PayGrid — Payment Infrastructure Platform
A unified payment processing platform that handles multi-currency transactions, automated reconciliation, and intelligent fraud detection for high-volume merchants.
Project Overview
PayGrid is a payment orchestration layer built for high-growth e-commerce and SaaS companies that need to accept payments across 30+ currencies without managing multiple gateway integrations. We designed the core transaction engine in Go for throughput, with a Node.js API layer for developer experience. Redis handles idempotency and rate limiting, while Stripe Connect powers the underlying settlement. The platform now processes over $120M in monthly transaction volume with a 99.99% success rate.
Timeline
14 Weeks
Team Size
6 Engineers
Platform
Go + Node.js
Industry
FinTech
Key Results
$120M+
Monthly Volume
99.99%
Success Rate
30+
Currencies
68%
Lower Fees
The client managed six separate payment gateways across different regions, each with its own dashboard, reconciliation process, and fee structure. Failed transactions cost the business an estimated $2.3M annually in lost revenue.
Six disconnected payment gateways with no unified reporting
Manual reconciliation took a 3-person team an entire week each month
Failed cross-border transactions averaged 8.4% due to poor routing
No fraud detection — chargebacks were handled reactively after the fact
We built an intelligent routing engine that selects the optimal payment path based on currency, card network, and historical success rates. The system uses a Go microservice for transaction processing and Redis for real-time fraud scoring.
Designed a smart routing engine that selects the best gateway per transaction using ML scoring
Built the transaction core in Go achieving sub-50ms processing latency at 3,000 TPS
Implemented real-time fraud scoring using device fingerprinting, velocity checks, and behavioral analysis
Created automated reconciliation that matches settlements across all gateways within 15 minutes
PayGrid consolidated all payment operations into a single platform and reduced the cross-border failure rate from 8.4% to under 0.3%. The automated reconciliation eliminated an entire week of manual work each month.
Transaction success rate improved from 91.6% to 99.99%
Reduced payment processing fees by 68% through intelligent routing
Automated reconciliation freed up 120+ person-hours monthly
Fraud-related chargebacks dropped by 91% within the first quarter
Technologies Used
“We went from managing six dashboards and constant payment failures to a single platform that just works. PayGrid saved us over $2M in the first year between reduced fees and recovered failed transactions.”
Anita Desai
VP of Finance, CartNova Commerce
