PATH 03 • SENIOR ARCHITECTURE ENGAGEMENT
Fintech Compliance & Payment Gateway Architecture
Bank-grade payment orchestration, PCI compliance, and multi-acquirer routing
Architect robust payment pipelines, automated double-entry reconciliation, and multi-PSP failover logic compliant with regulatory standards.
Tangible Engineering Deliverables
Multi-Acquirer Payment Orchestration Blueprint
PCI-DSS Scoping & Tokenization Architecture
Automated Ledger Reconciliation Engine Design
Fraud Velocity Rules & Chargeback Mitigation Matrix
4-Phase Execution Methodology
Phase 01
Payment Flow Audit
Inspecting current acquirer fees, drop-off rates, and settlement delays.
Phase 02
Orchestration Design
Designing multi-gateway smart routing and cascading retry logic.
Phase 03
Reconciliation Specs
Specifying automated general ledger matching for all transactions.
Phase 04
Regulatory Compliance Checklist
Providing security policies ready for bank compliance review.
Who Should Engage This Service
- Online businesses processing over $50k/month seeking lower fees and higher authorization
- Marketplaces and platforms managing multi-vendor escrow payouts
- Fintech startups integrating acquiring banks and mobile money rails
Frequently Asked Questions
Can this help reduce card abandonment?
Yes. Multi-gateway cascading routing typically improves payment success rates by 8% to 15%.
Engagement Overview
Fintech Compliance & Payment Gateway Architecture
Typical Duration2 to 3 Weeks
Pricing ModelFixed Advisory Scope or Milestone Delivery
Execution FormatRemote & On-Site
NDA ProtectionStandard Mutual NDA