Reengineering Payment Systems for Performance and Compliance

Modernizing a high-volume APAC payment gateway to improve speed, security, and merchant trust through scalable architecture and UX consistency.

35%

Reduction in average transaction processing time

50%

Improvement in system response during peak loads

60%

Reduction in processor-related failures

Client overview

Our client is a leading APAC payment gateway with an impressive footprint in the US, Southeast Asia and India supported by a 150+ engineering team and serving over 20 global clients within finance, healthcare and digital services. As both the transaction volume and the number of processor integrations grew, the platform experienced greater difficulty in performance, scalability, security, and compliance— impacting merchant experience and operational efficiency.

Challenges

Non-standard workflows and slow processor onboarding

Lack of standardized onboarding templates and tightly coupled code caused the new processor integrations to be difficult and slow, which eventually led to errors.

Poor user experience and performance bottlenecks

Inconsistent UIs across Admin, Merchant, and Website modules led to broken flows, unclear errors, slow pages, and delayed transaction updates. Unoptimized queries and missing indexes further degraded performance during peak loads.

Security gaps and compliance limitations

Weak security controls, incomplete logging, and limited audit trails exposed the platform to potential threats and delayed PCI compliance readiness. Manual MDR handling and limited Card-on-File support reduced competitiveness in subscription billing.

Solution

10decoders partnered with the client to execute a phased, end-to-end modernization initiative:

Standardized onboarding with modular architecture

Reusable onboarding templates and modular code accelerated processor integrations and simplified future expansions.

Unified UI and real-time transaction feedback

A common design system delivered consistent, responsive interfaces across all modules, with stronger validation, clearer errors, and real-time transaction status updates.

Performance optimization and reliability improvements

Refactored procedures, optimized indexes, batching, auto-retry logic, and improved QR generation and timeout handling ensured stable performance under high transaction volumes.

Security, compliance, and payment feature enhancements

Implemented CSP, SRI, secure OTP login with lockout, structured logging with audit trails, automated MDR with dynamic rules, enhanced Card-on-File support, and redesigned invoices for compliance and usability.

Business impact

Faster transactions and improved user experience

Average transaction processing time was reduced by 35%, significantly lowering checkout drop-offs.

Higher merchant satisfaction and system performance

UI improvements reduced user complaints by 40%, while database optimizations improved response times by 50% during peak loads.

Stronger reliability and compliance readiness

Processor-related failures dropped by 60%, and enhanced logging and audit trails enabled timely PCI submissions and full operational traceability.

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