Cross-border payment & settlement platform

Multi-currency payments, automated reconciliation and risk control.

Payments

Cross-border payment & settlement platform

Challenge

The client ran multiple upstream payment channels with tens of thousands of daily transactions reconciled by hand — error-prone, T+3 settlement, and no real-time view of risk exposure.

Solution

Built a unified gateway abstraction over all channels behind one API, an automated reconciliation engine with rule-based anomaly detection, and a merchant back office with live ledgers and settlement reports.

Deliverables

  • Payment gateway API
  • Auto-reconciliation engine
  • Merchant back office
  • Risk rules & alerting
  • Settlement report exports

Results

  • -90%manual reconciliation
  • T+0settlement (was T+3)
  • 50,000+transactions / day

Stack

Node.js / PostgreSQL / Redis / Docker

Timeline

7 weeks build + ongoing ops

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