Fintech Case Study

Payment Gateway Integration

Built PCI DSS Level 1 compliant payment infrastructure with Stripe. Multi-currency support, automated reconciliation, and fraud detection processing $5M+ monthly.

PCI DSS L1 Compliance
$5M+ Monthly Processing
99.98% Success Rate
Zero Security Incidents

Complex Payment Compliance Requirements

PCI DSS Compliance

Required PCI DSS Level 1 certification to process credit cards. Needed secure tokenization, encrypted storage, and comprehensive audit logging without storing sensitive card data.

Fraud Detection

High-risk industry with significant fraud attempts. Needed real-time fraud scoring, velocity checks, and automated decision rules without adding friction to legitimate transactions.

Multi-Currency Support

International customer base requiring 30+ currencies, dynamic FX rates, and compliance with local payment regulations across multiple jurisdictions.

Reconciliation Complexity

Manual reconciliation between payment processor, bank accounts, and internal ledger taking 20+ hours monthly. Errors causing revenue leakage and accounting headaches.

Secure Payment Architecture

Stripe Integration Layer

PCI-compliant tokenization with Stripe Elements for secure card capture and processing.

  • Stripe Elements for PCI-compliant card input
  • Payment Intent API for 3D Secure (SCA)
  • Tokenization layer (no card storage)
  • Webhook-driven state management

Fraud Prevention Engine

Multi-layered fraud detection combining Stripe Radar with custom rules engine.

  • Stripe Radar ML fraud detection
  • Custom velocity checks (per card, per IP)
  • Geographic risk scoring
  • Automated decline rules (98% fraud block rate)

Automated Reconciliation

Daily automated reconciliation between Stripe payouts and internal ledger.

  • Automated payout matching
  • Multi-currency settlement tracking
  • Dispute and refund handling
  • Real-time Slack alerts for mismatches

Tech Stack

Payment UI
Stripe Elements
React Checkout
TypeScript
API Gateway
Node.js API
Stripe SDK
Webhook Handler
Business Logic
Payment State Machine
Fraud Rules Engine
Reconciliation Service
Data Layer
PostgreSQL
Redis (idempotency)
S3 (audit logs)
Monitoring
Datadog
Sentry
PagerDuty

Performance Metrics

PCI DSS Level 1 Certified

Achieved PCI DSS Level 1 compliance in 8 weeks. Passed external security audit with zero findings. Annual compliance maintained with automated evidence collection.

$5M+ Monthly Processing

Scaled from $500k to $5M+ monthly volume in 6 months. 99.98% success rate with <200ms payment confirmation. Supporting 35 currencies across 60+ countries.

98% Fraud Block Rate

ML-powered fraud detection blocking 98% of fraudulent transactions pre-authorization. False positive rate reduced from 12% to <2% through custom rules tuning.

Automated Reconciliation

Reconciliation time reduced from 20+ hours/month to fully automated. Zero manual intervention. Real-time discrepancy alerts with <$5 tolerance.

Client Testimonial

"Wedigma built our payment infrastructure from scratch—PCI compliant, fraud-resistant, and processing millions monthly. Their expertise in fintech compliance saved us 6+ months of regulatory work. We launched with confidence knowing our payment stack was enterprise-grade from day one."

— Founder & CEO, Fintech Startup

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