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FINTECH

Payment & Billing Infrastructure

We engineer the money movement layer — checkout flows, billing engines, and settlement systems that handle millions in transactions without breaking compliance or uptime guarantees.

The Challenge

Payment infrastructure sits at the intersection of user experience, financial regulation, and distributed systems complexity. A single failed charge loses revenue. A compliance gap invites audits. Most teams bolt payments on as an afterthought — we treat it as core infrastructure.

Our Approach

We architect payment systems with idempotency, retry logic, and reconciliation built in from day one. Every flow is designed for auditability. Every edge case — partial refunds, currency conversion, failed webhooks — is handled before it becomes a support ticket.

Capabilities

PCI-Compliant Checkout

End-to-end encrypted payment flows with tokenization, 3D Secure support, and PCI DSS Level 1 compliance baked into the architecture.

Subscription Billing Engines

Usage-based, tiered, and hybrid billing models with proration logic, dunning management, and revenue recognition automation.

Multi-Currency Settlement

Real-time FX conversion, local payment method support across 40+ countries, and automated reconciliation with banking partners.

Invoicing & Tax Compliance

Automated invoice generation, tax calculation engines supporting VAT/GST/sales tax, and integrations with accounting platforms.

Payment Orchestration

Smart routing across multiple PSPs, fallback logic for failed transactions, and real-time monitoring of payment success rates.

Payout & Marketplace Splits

Multi-party settlement flows for marketplaces, automated vendor payouts, and escrow management with full audit trails.

TYPICAL STACK
Stripe / AdyenNode.jsTypeScriptPostgreSQLRedisTemporalReactAWS KMS

Ready to build your payment infrastructure?

Tell us about your payment challenges. We'll respond within 24 hours with an initial architecture assessment.

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