High-volume payments and settlement platform

Challenge

The operator was outgrowing a patchwork of gateway integrations. Settlement was manual, exceptions piled up nightly, and there was no single ledger auditors could trace.

Solution

We built a unified transaction engine with idempotent APIs, double-entry ledger, automated reconciliation against processor files, and an operations console for exception handling.

Results

• Same-day reconciliation replaced a six-hour nightly batch
• Exception queue dropped by 74% in the first quarter
• PCI scope reduced by keeping card data entirely with the certified processor

Stack