The Challenge

The merchant lost sales when a single payment provider went down, and reconciliation across currencies took the finance team days each month.

What We Built

A payment abstraction layer routing to multiple gateways with automatic fallback, smart retry logic, a unified reconciliation dashboard and fraud rules.

Payment Routing and Fallback

Every transaction hits a single abstraction layer that selects the best gateway by method, currency and current success rate. If one provider declines or goes down, the same transaction retries on the next available route without the buyer noticing.

Unified Reconciliation

Settlement files from all providers are normalized into one ledger, matched automatically to orders and payouts, and surfaced in a single dashboard showing gross volume, fees and settled amounts by currency.

Fraud Rules Engine

Configurable rules flag suspicious attempts — repeated cards, velocity spikes, mismatched billing addresses — and either block or step up verification, keeping the risk in front of the finance team instead of in chargebacks.

Technical Approach

The layer sits between checkout and the processors, using idempotent transaction keys so a retried charge never double-charges a card. Tokens and sensitive data stay with the PCI-compliant gateways; we never store card numbers. REST integrations let the onboarding team add a new provider in days.

Security and Compliance

All traffic runs over TLS, webhooks are verified by signature, and access to the reconciliation dashboard is role-based with audit logging. The configuration keeps cardholder data off the merchant's own systems.

The Result

Payment success rose 9 percentage points. One dashboard now shows every transaction across all providers, reconciled automatically.

Client Feedback

“We stopped losing sales at checkout and stopped staying up late at month end. The dashboard tells us exactly what we got paid and where, which used to take a spreadsheet marathon.” — Head of Finance

Get a Free Quote

If your checkout depends on a single provider or your month-end reconciliation is still manual, tell us about your payment stack. Share your project details for a free quote on a multi-gateway setup tailored to your markets.