Deep dive · L1
Payments Operating System
Full-lifecycle money movement, smart orchestration and ledger integrity.
The problem
Fragmented provider relationships, margin leakage and no in-house acquiring capability across a high-volume marketplace.
The architecture
Checkout→Dynamic Route→Acquirer / Local Rail→Double-Entry Ledger→3-Way Reconciliation
The scope
Integrations (20+)
- Adyen
- Stripe
- Checkout.com
- Razorpay
- Airwallex
- PayPal
Direct acquiring
- AU · Tyro
- NZ · Windcave
- MY / ID · Maybank
- TH · BCS
- UAE · Aani
Schemes & APMs
- Visa, Mastercard, Amex, JCB, UnionPay
- GrabPay, Alipay, WeChat Pay
- NETS QR, Klarna, Atome
3-way reconciliation: PSP ↔ bank statement ↔ internal ledger.
The results (company outcomes)
$50M
GMV in 6 months
+2pp
Authorisation lift
-8%
Processing cost per tx
85%
Drop in unreconciled items
70%
Faster settlement close
Team & reporting
Led a 25+ cross-functional org. Reported to VP of Product.
Lesson
“In regulated platforms, trust compounds faster than features. Reliability and reconciliation accuracy are the product.”