Embedded Payments Orchestration
Embedded payments platform that routes transactions across providers, manages ledgering and reconciliation, and gives operators real-time control over payment failures and risk signals.
Shipped a payments platform that routes transactions across providers, manages ledgers and reconciliation, and gives operations teams real-time control over failures, retries, and risk.
Built with
“We stopped treating payments like a black box and started operating them like a real product.”
Natalie K.
Director of Payments
The Challenge
The client had grown beyond a single PSP. Authorization rates were leaving money on the table, reconciliation was manual, and the operations team had poor visibility into why payments failed or when retries should happen.
The Solution
I built a routing engine, ledger layer, webhook processors, reconciliation jobs, and an operator console so the business could move from fragile payment handling to a controlled platform. The stack supports provider failover, retry policy, and auditable money movement.
Key results
Through routing, retries, and cleaner issuer fallback paths
Across primary provider routing
Processed through the new orchestration layer
Stack
Timeline
Week 1-2
Payment flow mapping, ledger design, provider abstraction, and failure-mode review
Week 3-5
Routing engine, webhook ingestion, reconciliation workers, and retry policy implementation
Week 6-7
Ops console, reporting, risk rules, and staged rollout across merchants
Project Details
Technical implementation and architecture overview
Routing and provider failover
Built a provider abstraction that routes transactions by merchant, geography, payment method, and failure class. The system can retry intelligently without turning retries into duplicate-charge risk.
Ledgering and reconciliation
Designed a double-entry ledger and reconciliation pipeline so finance teams could trace money movement from authorization through settlement, refunds, and chargebacks.
Risk controls and operator tooling
Delivered a console for managing rules, inspecting failed payments, and understanding provider health in real time, which removed a major blind spot from operations.
FAQs
How much does it cost? +
Complete projects start at $2,000. I give you a fixed price after a free 30-minute call — no hourly billing, no surprise invoices.
How fast can you deliver? +
Most MVPs go live in 2–4 weeks. Larger projects run in 2-week sprints with a live demo every week so you always see progress.
Who will actually build my product? +
Me. Personally. I have 10+ years of experience and I handle everything — frontend, backend, infrastructure, deployment. No outsourcing.
What makes you different from agencies? +
No overhead. You talk directly to me — the person writing the code. That means faster decisions, better output, and lower cost.
What if I need changes after launch? +
You get 30 days of free post-launch support included. After that, I offer affordable monthly retainers or project-based work.
What technologies do you use? +
TypeScript, React, FastAPI, Node.js, Python, Rust, Solidity, React Native, Flutter — I pick what fits your project, not what's trendy.
Can one person really handle everything? +
Yes. Frontend, backend, infrastructure, mobile, and Web3. With 10+ years of experience and AI-accelerated workflows, I consistently deliver what agencies need 10 people to build.
Do you use AI to write code? +
Yes. I use AI as a force multiplier — for code generation, review, testing, and documentation. It's why I ship 3x faster than traditional developers. But every line is reviewed, tested, and refined by me before it touches your project.
Is your code production-ready? +
Yes. Every project I deliver is production-grade — tested, optimized, secure, and deployed to real infrastructure. I don't hand off prototypes. You get code that's ready for real users from day one.
What if my project doesn't work out? +
You own everything I build — every line of code, every design file. If you want to walk away or bring in another team, you can. No lock-in.