Payment architecture for businesses that have outgrown simple
At $1M+ in processing volume, your infrastructure should be built for it, not retrofitted. Intelligent routing across multiple acquirers, built-in redundancy, cross-border capability. No vendor lock-in, no single point of failure.
Payment infrastructure built to run at scale, and run itself.
At enterprise volume, payments are about more than processing transactions: staying online when an acquirer goes down, approval rates that improve automatically, cross-border complexity that never reaches your finance team. We build the payment architecture Fortune 500 companies construct internally, without the enterprise price tag.
For high-volume and complex payment requirements standard solutions can't handle.
Cross-Border Dual-Region Processing
Process like a local on both sides of the border.
- Merchant accounts in Canada and the US
- Cards route to their home region
- No cross-border surcharges
Multi-Acquirer Intelligent Routing
Real-time routing across multiple acquirers (the processors that settle your card payments).
- Routes by approval rate and cost
- Automatic failover
- Per-transaction optimization
Multi-Currency Settlement & FX
Keep the currency, keep the margin.
- Settle in CAD, USD, EUR, and more
- No forced conversions, you choose FX timing
- Stop losing 2-3% on currency markups
L2/L3 Interchange Optimization
Richer transaction data, lower interchangeThe wholesale fee card networks charge on every transaction — the same for everyone, set by Visa/Mastercard..
- Level 2 and Level 3 data submission
- Targets corporate and purchasing cards
- Up to 1.5% less interchangeThe wholesale fee card networks charge on every transaction — the same for everyone, set by Visa/Mastercard. per transaction
Straight-Through Processing (STP)
Payment operations that run themselves.
- Automated reconciliation and settlement
- Exception handling built in
- No manual payment operations
Specialty Vertical Acquirer Matching
The right acquirer for hard-to-place businesses.
- High-risk and regulated verticals
- Acquirers that know your business model
- Matched to your industry
Cross-Border Dual-Region Processing
Process like a local on both sides of the border.
- Merchant accounts in Canada and the US
- Cards route to their home region
- No cross-border surcharges
Multi-Acquirer Intelligent Routing
Real-time routing across multiple acquirers (the processors that settle your card payments).
- Routes by approval rate and cost
- Automatic failover
- Per-transaction optimization
Multi-Currency Settlement & FX
Keep the currency, keep the margin.
- Settle in CAD, USD, EUR, and more
- No forced conversions, you choose FX timing
- Stop losing 2-3% on currency markups
L2/L3 Interchange Optimization
Richer transaction data, lower interchangeThe wholesale fee card networks charge on every transaction — the same for everyone, set by Visa/Mastercard..
- Level 2 and Level 3 data submission
- Targets corporate and purchasing cards
- Up to 1.5% less interchangeThe wholesale fee card networks charge on every transaction — the same for everyone, set by Visa/Mastercard. per transaction
Straight-Through Processing (STP)
Payment operations that run themselves.
- Automated reconciliation and settlement
- Exception handling built in
- No manual payment operations
Specialty Vertical Acquirer Matching
The right acquirer for hard-to-place businesses.
- High-risk and regulated verticals
- Acquirers that know your business model
- Matched to your industry
Stop paying cross-border fees on domestic transactions
Most businesses processing in both Canada and the US route everything through a single-country acquirer, paying cross-border surcharges on transactions that should be domestic. We build dual-region infrastructure that eliminates those fees.
Intelligent Cross-Border Routing
Businesses with complex payment needs that have outgrown simple, single-acquirer solutions.
High-Volume Businesses ($1M+)
Processing over $1M annually? Your architecture should capture volume discounts, cut operational complexity, and build in redundancy.
Cross-Border Operations
Significant volume in both Canada and the US? Dual-region processing eliminates cross-border fees and currency conversion markups.
Complex Payment Requirements
Multi-entity businesses, high-risk verticals, or complex payment flows need architecture with multiple acquirer relationships.
High-Volume Businesses ($1M+)
Processing over $1M annually? Your architecture should capture volume discounts, cut operational complexity, and build in redundancy.
Cross-Border Operations
Significant volume in both Canada and the US? Dual-region processing eliminates cross-border fees and currency conversion markups.
Complex Payment Requirements
Multi-entity businesses, high-risk verticals, or complex payment flows need architecture with multiple acquirer relationships.