Fraud Drop — 99.8% reduction in fraudulent chargebacks via real
time risk scoring
FinTech & Payments
Enterprise B2B FinTech Payment Gateway & AI Fraud Engine
Multi-Currency B2B Payment Orchestration, Automated Ledger Settlement, and Biometric AI Fraud Prevention
We engineered a PCI-DSS Level 1 compliant financial payment gateway delivering automated multi-currency cross-border clearing, instant ACH/SEPA payouts, and real-time AI risk evaluation.
Finance9 monthsTeam: 15 Engineers$280,000Completed & Deployed
Technology
Node.js & Go MicroservicesPCI-DSS Hardware Security Modules (HSM)PyTorch Fraud Risk ScoringPostgreSQL (Multi-Region Vault)React FinTech DashboardPlaid & Banking APIs
Platform
Merchant Admin ConsoleDeveloper API GatewayMobile POS Bridge
99.8%
fraudDrop
<1.5s
processingSpeed
$420M+
annualVolume
Level 1
pciCompliant
Instant / Same-Day
settlementTime
Overview
Project Overview
For a global commercial trading network processing over $400M in annual B2B transactions, legacy payment processors charged exorbitant forex fees and lacked automated invoice split-settlement capabilities. Ctas Info Services built a custom FinTech payment orchestration platform with biometric AI anomaly detection, multi-tenant merchant ledgers, and direct banking integration—reducing chargebacks by 99.8% while providing instant settlement.
Client Context
A major commercial payment network providing trade finance to international merchants.
Processed over $420M in annual transaction volume with 99.999% gateway availability
99.8% reduction in fraudulent chargebacks via real-time biometric and behavioral risk scoring
Instant merchant ledger reconciliation reducing payout cycle times from 5 days to real time
Challenges
Key Challenges
Obstacles we identified and addressed during the project.
- 1Ensuring strict PCI-DSS Level 1 compliance with end-to-end HSM tokenization
- 2Executing real-time machine learning fraud evaluation without delaying transaction authorization
- 3Automating multi-party invoice split-settlements and forex conversion across 35+ fiat currencies
Solutions
Our Solutions
Technical and strategic approaches that resolved each challenge.
- Built an isolated PCI tokenization vault separating cardholder data from application logic
- Deployed PyTorch real-time risk evaluation models scoring transactions against 80+ fraud vectors in <150ms
- Integrated automated ACH, SEPA, and SWIFT banking APIs for same-day merchant ledger settlement
Highlights
Project Highlights
Key features and achievements delivered.
1
Processed over $420M in annual transaction volume with 99.999% gateway availability
2
99.8% reduction in fraudulent chargebacks via real-time biometric and behavioral risk scoring
3
Instant merchant ledger reconciliation reducing payout cycle times from 5 days to real time
Goals
Strategic Objectives
Strategic objectives that guided the project.
Replace legacy payment gateways with a low-cost, self-owned B2B payment orchestration platform
Achieve strict PCI-DSS Level 1 compliance and zero security breach vulnerabilities
Automate multi-currency invoice settlement and multi-tenant payout workflows
Strategy
Implementation Approach
Implementation approach and technical decisions.
Outcomes
Achieved Results
Measurable results and business impact.
Gateway SLA — 99.999% gateway availability handling $420M+ annual transaction volume
Processing Speed — Sub
1.5 second authorization response time across 35 fiat currencies
Settlement Velocity — Instant merchant ledger clearing reducing payout times from 5 days to same
day
Client
Our Client
Who we built this for.
SecuraPay Global Financial
Financial Services & Commercial Payments · Enterprise ($400M+ Annual Processing Volume) · London, UK
A major commercial payment network providing trade finance to international merchants.
Client Requirements
- 1
PCI-DSS Level 1 compliant gateway supporting 35+ fiat currencies
- 2
Sub-1.5 second transaction processing time with automated fraud checks
- 3
Seamless API integration for enterprise ERP systems
Solution
Proposed Solution
Our approach and rationale.
Our Approach
A PCI-DSS Level 1 compliant B2B payment gateway featuring isolated tokenization vaults, PyTorch AI fraud detection, and direct banking clearing integration.
Why We Choose This Solution?
- Proven experience building PCI-compliant payment gateways and financial software
- Cutting-edge AI fraud detection capabilities with zero impact on transaction latency
Benefit of This Solution
A self-owned, enterprise FinTech gateway that eliminates credit card fraud, slashes processing fees, and automates global multi-currency B2B settlements.
Features
Key Features
Core platform capabilities delivered.
PCI-DSS Level 1 Vault
Tokenized data isolation protecting sensitive payment credentials.
AI Real-Time Fraud Engine
Biometric risk scoring evaluating transactions in under 150ms.
Multi-Currency Forex Clearing
Automated FX conversion across 35+ global currencies with transparent rates.
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