A payment gateway engineered for reliability, low rates and high transaction success.
Overview
Merchants needed a payment gateway that did the unglamorous things well — competitive rates across every method, reliable settlement, and a low error rate under real load — without a painful integration. We built and now operate the gateway behind their checkout.
The challenge
Businesses needed a payment gateway that offered genuinely competitive rates across all payment methods, reliable bank settlement, split payment support and a consistently low error rate under high transaction volume — while remaining straightforward to integrate into existing platforms.
How we solved it
We built and operate a payment gateway handling all major payment methods, bank transfer and split payments. The system is engineered for reliability under load, with real-time settlement reconciliation, automated error handling and a simple integration API. Rates are among the most competitive available for the region.
Designed for the multi-rail reality from the start — cards, FPX, DuitNow and e-wallets, each with its own settlement timing and fees, landing in one reconciled record.
Separated capture from settlement cleanly, so 'the payment went through' and 'the money arrived, net of fees' are two states the system tracks, not one assumption.
Engineered for reliability under peak load with automated error handling and retry logic, because a gateway is judged on its worst hour, not its average.
Kept integration to a simple API so merchants go live in days, and stayed on to operate, monitor and reconcile settlement continuously.
Results
“Integration took days, not the weeks we'd budgeted, and settlement just reconciles itself now. It quietly does the one thing a gateway has to: work when we're busiest.”
— Founder, online merchant platform
Technology
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