A payment gateway sits at the point where a transaction can fail expensively and publicly, so the engineering discipline around it is different from most software: every state has to be recoverable, every failure mode has to be handled explicitly, and the system has to be built to PCI-DSS requirements from the start rather than audited into compliance afterwards.
We build payment gateways and switching infrastructure that connect card networks and local payment rails, for licensed institutions and EMIs that need infrastructure they control rather than a black-box processor.
What We Offer
Card processing and switching
Transaction routing and switching built on ISO 8583 and ISO 20022 messaging, handling authorisation, capture and reversal with the state machine correctness a payment flow requires.
Local rail connectivity
Integration with RAAST and 1LINK for institutions operating in Pakistan, or the equivalent local instant-payment infrastructure elsewhere.
Settlement and reconciliation
Reconciliation logic that catches a mismatch between what was authorised, what settled, and what the ledger records, since that gap is where payment systems quietly lose money.
PCI-DSS-aligned architecture
Tokenisation, scoped access and audit logging designed to the requirements a PCI-DSS assessment will test, engineered in rather than retrofitted before an audit.
How We Help
The failure mode we design against most carefully is the partial transaction: authorisation succeeds, capture fails, and the system is left in a state where money has moved but the ledger disagrees about how much or to whom. Most payment outages we are called in to fix trace back to a state this was never designed for.
We also build for reconciliation from day one rather than adding it once a discrepancy is discovered. A gateway that cannot prove its own numbers match the network’s is not something a bank can put its name behind.
Our Approach
Every transaction state, authorised, captured, reversed, failed, timed out, is modelled explicitly before implementation, because the states nobody designs for are the ones that cause incidents.
PCI-DSS scope is defined early: which components touch card data, and how to minimise that surface, since a smaller scope is both more secure and cheaper to audit.
Technologies We Use
Industries We Support
Related case studies
- Card Payment Switch Engineered for Scheme Certification: A card authorisation and settlement switch built for scheme certification, with idempotency and continuous reconciliation designed in rather than added.
- RAAST-Enabled Digital Wallet Built for Unreliable Networks: A consumer wallet with RAAST instant payments, where settlement finality and offline conflict resolution were design decisions rather than late discoveries.