B2B SaaS
PayVizio Payment Gateway Platform
API-first payment orchestration for merchants and platforms. One integration routes payments across PayU, JioPay, 1Pay, and Easebuzz — with hosted checkout, a double-entry ledger, settlement, and reconciliation built for scale and reliability.
Payment Orchestration
Smart routing across every acquirer
A single API distributes transactions across PayU, JioPay, 1Pay, and Easebuzz. Merchant rules and live health scoring pick the best acquirer for each payment, and cascading failover retries the rest.
Multi-acquirer routing
One integration routes CARD, UPI, NET_BANKING, and WALLET traffic across PayU, JioPay, 1Pay, and Easebuzz.
Rule-based routing
Merchant rules match on payment method, BIN prefix, card/IP country, amount range, currency, and bank code — applied in priority order.
Health-based scoring
When no rule matches, the engine scores acquirers on success rate, error rate, latency, circuit-breaker status, and per-minute volume.
Cascading failover
Failed transactions cascade through a ranked fallback chain, skipping unhealthy acquirers to lift authorization rates.
Smart retries
Idempotent retries with exponential backoff and per-acquirer circuit breakers, built on Resilience4j.
Per-merchant credentials
Encrypted, isolated acquirer credentials (AES-256-GCM or AWS KMS) with per-acquirer enable/disable controls.
Hosted Checkout
A checkout you don't have to build
Create a payment session and hand the customer a PayVizio-branded checkout supporting cards, UPI, and net banking — with coupons, surcharges, 3-D Secure, and payment links included.
PayVizio-branded checkout
Create a payment session via POST /api/payments and redirect customers to a hosted checkout you don't have to build.
Cards, UPI & netbanking
Customers pay by card, UPI, or net banking — with handoff to the acquirer's hosted page when required.
Coupons & surcharges
Preview and redeem coupon discounts, and calculate per-method surcharges, scoped to the checkout session.
3DS & saved instruments
3-D Secure authentication, address verification (AVS), and saved-instrument flows are built in.
PCI-compliant sessions
Sessions expire after 30 minutes and are tenant-isolated — a session only ever belongs to its owning merchant.
Payment links
Generate shareable payment links for invoicing and remote collection without a custom checkout integration.
Reconciliation & Settlement
Books that balance, automatically
Settlement files from every acquirer are matched against a double-entry ledger. Mismatches are detected and auto-adjusted where safe, on a daily schedule, with chargebacks posted back to the ledger.
Settlement file ingestion
Parse multi-PSP settlement files and process one batch per acquirer and settlement date, with duplicate-batch protection.
Automated matching
Match settlement records to ledger captures by gateway reference, flagging anything missing or mismatched.
Mismatch detection
Detect missing-in-settlement, amount, and status mismatches; auto-adjust the cases that are safe to adjust.
Double-entry ledger
Every payment, refund, settlement, and adjustment is recorded in a balanced double-entry ledger with full audit trail.
Scheduled reconciliation
Reconciliation runs on a daily schedule, marking each batch COMPLETED or PARTIAL based on discrepancies found.
Chargeback handling
Per-acquirer chargeback sync runs after the settlement window with a configurable lookback, posted back to the ledger.
Technical architecture
Request and settlement flow
Merchant requests hit the API gateway, are orchestrated across acquirers, and flow through the PSP layer to banks. The ledger and settlement engine feed reconciliation and reporting.
Merchant → API Gateway → Orchestration → PSP Layer → Bank
↓ ↑
Ledger ← Failover/Retry
↓
Settlement → Reconciliation → Reporting- Hexagonal microservices on Spring Boot & Java 21
- Event-driven via Kafka, backed by PostgreSQL & Redis
- Horizontal scalability with per-acquirer circuit breakers
- Idempotent transaction handling and audit logging
PayVizio dashboards
Merchant and admin dashboards, transaction monitoring, and operations — built for enterprise visibility and control.
