PAYMENT GATEWAY
& RISK MANAGEMENT

Financial services company processing high-value transactions needed robust payment gateway integration with fraud detection. Multiple payment methods and currencies required. Real-time risk assessment required without impacting transaction speed, sub-second response needed. High chargeback rates from fraud. No unified view of customer payment history. Downtime resulted in significant revenue loss. Manual fraud review created bottlenecks. Compliance requirements for PCI-DSS and regional regulations.

Built unified payment processing layer integrating multiple gateways and payment methods (cards, bank transfers, digital wallets). Implemented ML-based fraud detection with real-time scoring using historical patterns and behavioral analysis. Created fallback mechanisms for high availability, automatic gateway switching on failures. Designed comprehensive monitoring and alerting for anomaly detection. Established PCI-DSS compliant infrastructure with tokenization. Built customer payment profiling for personalized risk assessment. Implemented real-time dashboards for operations team. Created automated reconciliation workflows.

Processed over $1B in transactions with 99.99% uptime, less than 1 hour downtime annually. Fraud detection reduced chargebacks by 85% while maintaining sub-second transaction times, no customer friction. Seamless customer experience across all payment methods and currencies with intelligent routing. Automatic failover prevented revenue loss during gateway outages. Transaction success rates improved 12% through smart retry logic. Compliance audits passed with zero findings. Operations team productivity increased 3x with automated workflows. Customer satisfaction scores improved significantly.

Payment gateway APIs (Stripe, Adyen, bank networks), ML fraud detection, real-time risk scoring, high-availability architecture, PCI-DSS compliance, tokenization, anomaly detection, automated reconciliation