Fintech Architecture

Transform Your Payments from a Utility into a Growth Engine.

Move beyond basic transactions. We build intelligent, real-time payment architectures that drive a 35% lift in conversion rates and cut operational costs by 40%.

Secure
Scalable
PCI-DSS Compliant
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The Cost of Inaction.

The financial ecosystem has shifted from batch processing to an always-on, real-time liquidity environment. Legacy payment systems are no longer just slow—they are leaking revenue through cart abandonment and high maintenance costs.

At Prism Infoways, we don't just connect APIs; we engineer Payment Orchestration Layers. We bridge the gap between complex legacy backends and modern fintech standards, turning your checkout flow into a strategic asset that scales with your ambition.

From Code to Compliance.

Unified Payment Orchestration

Eliminate "Reconciliation Chaos." We stitch together fragmented data from multiple gateways (Stripe, Adyen, PayPal) into a single source of truth for your finance team.

Legacy Modernization (Wrap-Around)

Connect real-time REST APIs to your core systems without a full "rip and replace." We build secure middleware to modernize COBOL/Mainframe environments.

AI-Driven Fraud Defense

Implement intelligent risk engines using Python & TensorFlow. Reduce false positives by 80% while blocking advanced fraud vectors in milliseconds.

Cross-Border & Local Rails

Expand globally with confidence. We integrate local APMs (Pix, iDEAL) and handle complex Dynamic Currency Conversion (DCC) logic to localize the user experience.

PCI-DSS Descoping Strategy

Reduce your compliance burden. We utilize advanced tokenization and hosted fields to ensure sensitive card data never touches your servers.

Custom Checkout UX/UI

Friction kills conversion. We design and code optimized, one-click checkout flows that reduce cart abandonment and drive sales.

Proven ROI.

We engineer systems that pay for themselves through efficiency and recovered revenue.

01

Revenue Recovery

Smart routing and retry logic salvage failed transactions, while optimized UX drives a 35% increase in conversion rates.

02

Operational Efficiency

Automated reconciliation and modern cloud infrastructure reduce IT maintenance costs by 30-40%, freeing up capital for innovation.

03

Velocity at Scale

Slash development cycles by 75%. Launch new payment methods in weeks, not months, using our modular microservices architecture.

04

Fortified Security

Move to a "Zero-Trust" environment. We implement bank-grade encryption (TLS 1.3) and OAuth 2.0 to protect your brand and your customers.

The Integration Lifecycle.

STEP 01

Discovery & Technical Audit

We analyze your existing stack, map data flows, and determine the "Buy vs. Build" strategy for your specific region and compliance needs.

STEP 02

Architecture & Transition

We design the API contracts and deploy the Sandbox environment, integrating backend logic and frontend UI with minimal disruption.

STEP 03

Rigorous Testing & QA

From penetration testing to load testing (500+ TPS), we ensure the system is bulletproof before it ever touches real money.

STEP 04

Canary Deployment & Optimization

We go live using a zero-risk rollout strategy, monitoring real-time metrics to continuously refine fraud rules and approval rates.

Solutions for Your Scale.

Startups &
Digital Natives

Focus: Speed & Conversion

Rapid integration of Stripe/Braintree. Focus on mobile-first UX and quick time-to-market.

  • Rapid Integration
  • Mobile-First UX
  • Quick Time-to-Market

Enterprise &
BFSI

Focus: Stability & Compliance

Complex orchestration for high volumes. Mainframe modernization, ISO 20022 standards, and multi-region governance.

  • Complex Orchestration
  • Mainframe Modernization
  • ISO 20022 Standards

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Infrastructure

AWS
Docker
Kubernetes

Backend

Java
Node.js
GoLang

Data & Risk

PostgreSQL
Redis
Python/TF

Security

Thales HSM
OAuth 2.0

Common Queries.

Simple integrations can take 3-4 weeks. Complex enterprise modernizations with legacy backends typically follow a 12-16 week lifecycle.

We prioritize "descoping." By using tokenization and hosted fields, we ensure raw card data rarely touches your infrastructure, simplifying your compliance requirements significantly.

Yes. This is a core specialty. We build secure middleware (APIs) that allow modern gateways to communicate with older systems like SAP, Oracle, or custom Mainframes.

Absolutely. We implement "Smart Routing" logic to direct transactions to local acquirers, minimizing fees and maximizing approval rates globally.

We build redundancy into the architecture. If the primary rail fails, our logic can automatically reroute the transaction to a secondary provider to save the sale.

Ready to Secure Your Financial Infrastructure?

Join the fintech revolution. Schedule a technical assessment today and optimize your payment flows for the future.