Fintech: Payment Platforms & Orchestration
Multi rail payment platforms, engineered on banking grade infrastructure.
One API across ACH, SEPA, Wire, Faster Payments, Pix, SPEI, and crypto: with double entry ledger, permissioned settlement, and reconciliation out of the box.
The short answer
What is a payment orchestration layer?
A payment orchestration layer is the unified interface that routes transactions across multiple payment rails (ACH, SEPA, Wire, Faster Payments, Pix, SPEI, crypto) through a single API. Instead of building a separate integration per rail per acquirer, one orchestrator handles routing, fallback, currency conversion, ledger accounting, and settlement, so a fintech can add or switch rails without changing its application code. Built well, it's the difference between shipping a new market in a week and rebuilding the payment stack every time.
What we build
Payment Platforms & Orchestration, engineered on your infrastructure.
Multi rail acquiring & payouts
Route transactions across ACH, SEPA, Wire, Faster Payments, Pix, SPEI, and crypto rails through one interface, with automatic fallback and least cost routing.
Double entry ledger
Auditable, permissioned settlement ledger with tamper evident event history: the substrate every regulator and auditor asks for.
Reconciliation & treasury
Automated matching across acquirer feeds, bank statements, and internal ledger: with treasury dashboards showing position and float in real time.
Merchant & customer onboarding
KYB and KYC pipelines wired to the payment platform, so onboarding events flow straight into the ledger, risk profile, and audit trail.
Real time monitoring & webhooks
Event driven architecture with real time status, webhooks, and observability so downstream systems and customers see state as it changes.
White label, deploy on your infra
Composable platform deployed in your VPC or on infrastructure you own: your brand, your data, your control.
FAQ
Payment Platforms & Orchestration: frequently asked questions.
What is a payment orchestration layer, and do we need one?
A payment orchestration layer is the single interface that routes transactions across multiple payment rails. You need one as soon as you're paying (or receiving) across more than one rail, geography, or currency: otherwise each new market requires a new bespoke integration and the ledger drifts out of sync. Orchestration turns 'a new integration project per rail' into 'a config change'.
What payment rails do you integrate with?
ACH, Wire, SEPA (Credit Transfer & Instant), Faster Payments (UK), Pix (Brazil), SPEI (Mexico), FedNow, RTP, and crypto rails: plus card acquiring through the major processors. One orchestration layer, so you can add or switch rails without changing your application.
How long does a payment platform integration take?
A first rail live and moving test funds typically inside 4 to 6 weeks. A production multi rail platform with ledger, reconciliation, and treasury dashboards in 12 to 16 weeks. Beyond that, each additional rail lands faster because the orchestration and ledger already exist.
Is your payment platform PCI DSS compliant?
Our systems are engineered to support PCI DSS (network segmentation, tokenization, key management, and audit logging by default) and we deploy in your VPC or on prem so PCI scope stays inside your boundary. The compliance attestation is yours to certify with your QSA; we build to make that certification straightforward.
Explore the fintech stack
Related fintech capabilities.
Cross Border & Multi Currency
Local rail connectivity across 10+ countries and 30+ currencies (Pix, SPEI, SEPA Instant, Faster Payments, ACH) with FX, treasury, and real time settlement built in.
Learn moreLedger, Treasury & Reconciliation
Double entry ledgers, permissioned settlement, automated reconciliation, and real time treasury dashboards: the accounting backbone every payment platform and card program needs to pass audit.
Learn moreCard Issuing & Program Management
Virtual and physical card issuing, program management, real time authorization, and spend controls: deployed as a white label capability inside your own product.
Learn moreReady to ship payment platforms & orchestration on banking grade infrastructure?
30 minutes with the team behind RYVYL, VeloTech, NEMS, and MonerePay. Scope the build, the rails, and the timeline: with a fixed 6 week pilot pattern and outcomes agreed in writing.