Global Payment Orchestration Layer
A unified payment gateway routing transactions across multiple providers to optimize success rates and fees.
The Challenge
A large travel company with global operations was losing revenue due to payment failures in specific regions and high cross-border fees. Relying on a single payment service provider (PSP) was a single point of failure and cost inefficiency.
The Solution
Designed and built a Payment Orchestration Layer (POL) using Node.js:
- Smart Routing: Dynamic routing of transactions to the best performing PSP based on card issuer country, currency, and historical uptime.
- Failover logic: Automatic cascading to backup providers if the primary PSP fails, recovering lost revenue.
- Tokenization Vault: Centralized secure storage (PCI-DSS) allowing "one-click" payments regardless of the underlying processor.
- Unified Reporting: Aggregated financial reconciliation across all connected providers.
Results & Impact
- Uptime: Maintained 99.999% payment availability through redundancy.
- Revenue: Recovered ~4% of previously failed transactions.
- Cost: Reduced processing fees by optimizing routing for local acquiring.