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Multi-Gateway Payment Orchestration

A unified payment layer that routes transactions across 8+ gateways-cards, crypto, Apple Pay, and regional processors-with automated fraud prevention.

The Problem

E-commerce businesses selling digital goods often get flagged as high-risk by card networks, leading to account freezes and held funds. Cryptocurrency appeals to certain customers but requires specialized integration. Regional payment methods increase conversion but add complexity. And fraud-chargebacks, temporary emails, high-risk countries-destroys margins if not caught early.

The Solution

A payment abstraction layer that presents a simple checkout to customers while routing transactions to the optimal gateway behind the scenes. Stripe handles most card payments, Cryptomus and NOWPayments process cryptocurrency, Cardinity covers EU-specific methods, Solidgate handles Eastern European cards, and CatalystPay enables Apple Pay. Before processing, fraud checks run automatically: temporary email domains are blocked, high-risk countries rejected, and repeat offenders tracked. A pre-paid balance system lets returning customers load funds once and checkout instantly on future orders.

How It Works

  1. 1 Gateway Selection: Based on payment method and customer metadata, the checkout routes to the appropriate processor. Card payments default to Stripe; crypto splits by token type.
  2. 2 Fraud Screening: Email addresses are checked against a blacklist of temporary providers. IP geolocation flags blocked countries. Customers with previous chargebacks are tracked across orders.
  3. 3 Webhook Normalization: Each gateway posts transaction updates to dedicated endpoints. The system normalizes status updates across different provider formats into a consistent internal state.
  4. 4 Balance System: Customers can pre-load account balance via any payment method, reducing friction and gateway fees on repeat purchases.

Tech Stack

  • Payment Gateways: Stripe, PayPal, Cryptomus, NOWPayments, Cardinity, Solidgate, CatalystPay, Payabl
  • Crypto Support: Bitcoin, Ethereum, USDT, and 20+ altcoins
  • Fraud Prevention: Email blacklist, country blocking, IP tracking
  • Webhooks: Flask endpoints with provider-specific parsing
  • Subscriptions: Chargebee integration

Results

  • 8+ payment gateways integrated through unified API
  • Cryptocurrency payments supporting 20+ tokens
  • Apple Pay for mobile checkout optimization
  • Pre-paid balance system reducing repeat transaction fees
  • Automated fraud screening blocking high-risk transactions before processing