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Global Payment Gateway Integration Platform Development
  1. case
  2. Global Payment Gateway Integration Platform Development

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Global Payment Gateway Integration Platform Development

exlrt.com
Financial services

Challenges in Payment Infrastructure Connectivity

Existing payment systems require multiple integrations for different payment methods and regions, leading to increased complexity, slower time-to-market, and higher operational costs. Payment providers struggle with fragmented transaction processes, limited scalability, and the inability to quickly adapt to new market requirements or fraud prevention tools.

About the Client

Global payment infrastructure operator providing white-label payment solutions for PSPs, ISOs, acquirers, and financial institutions

Strategic Project Goals

  • Create a unified API gateway for global payment method integration
  • Enable modular expansion of payment systems without infrastructure overhaul
  • Support real-time transaction processing across 160+ countries and 300+ payment methods
  • Implement continuous delivery practices for weekly live releases
  • Ensure compliance with global fraud prevention and chargeback management standards

Core Functional Requirements

  • Single API integration for multi-currency transaction processing
  • Support for XML, JSON, ISO8583, and GICC formats
  • Automated merchant onboarding system
  • Dynamic payment method configuration interface
  • Integrated 3D Secure authentication and chargeback prevention tools
  • Real-time transaction routing optimization

Technology Stack Requirements

Open API architecture
Cloud-native microservices
Automated CI/CD pipelines
Containerized deployment (Docker/Kubernetes)
Multi-format data processing engines

Critical System Integrations

  • Global bank networks
  • Card schemes (Visa, Mastercard, etc.)
  • Alternative payment method providers
  • Fraud detection systems
  • Currency conversion services

Non-Functional Requirements

  • 99.99% system availability SLA
  • Sub-200ms transaction processing latency
  • Horizontal scalability for 10M+ transactions/day
  • PCI DSS Level 1 compliance
  • Automated failover and disaster recovery

Expected Business Outcomes

Enables payment providers to reduce integration time by 70%, expand market reach to 160+ countries with four new acquirer connections monthly, and process transactions 40% faster through streamlined routing. The solution will support $1.5T+ annual ecommerce volume with automated compliance and fraud prevention capabilities.

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