Payments Payment gateway for a licensed PSP
Built the payment gateway a licensed PSP ran on, routing across more than 10 acquirers.
A licensed payment service provider processing for high-risk merchants needed to move off a legacy third-party Java gateway onto a platform it controlled. In high-risk processing, getting the transaction approved matters more than the fee.
What we built
- Merchant API and hosted payment page
- Multiple processing channels per merchant, with volume moved between acquirers to stay within their caps
- Card tokenisation, recurring payments, and migration of stored cards between acquirers
- A risk engine of around 200 rules, including velocity limits and duplicate-payment detection
Technical detail
- External 3-D Secure connection
- BIN and card-type lookup
- Back office for merchant onboarding
- Reconciliation reporting
- The PCI DSS server environment it ran on, built and maintained by us
- Period: 2014–2016