10decodersRe-engineering Payment Systems for Performance and Compliance
Modernizing a high-volume APAC payment gateway to improve speed, security, and merchant trust through scalable architecture, UX consistency, and PCI compliance readiness.
A high-volume payment gateway rebuilt for modern demands
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 across finance, healthcare, and digital services. As transaction volume grew and processor integrations multiplied, the platform struggled with performance, scalability, security, and compliance — directly impacting merchant experience and operational efficiency.
10decoders partnered with the client to execute a phased, end-to-end modernization initiative. The result: 35% faster transaction processing, 50% better peak-load response, and a 60% reduction in processor-related failures — alongside a unified UX, PCI compliance readiness, and a modular architecture built for scale.
What we rebuilt — and how
Modular Processor Framework
Reusable onboarding templates and decoupled modular code replaced tightly coupled integrations — accelerating new processor onboarding and reducing errors.
Unified Design System
A common design system delivered consistent, responsive interfaces across Admin, Merchant, and Website modules — with real-time transaction status and clearer error messaging.
Query & Reliability Optimization
Refactored DB procedures, optimized indexes, batching, auto-retry logic, and improved QR generation and timeout handling for stable performance at high volume.
CSP, SRI & Secure OTP Login
Implemented Content Security Policy, Subresource Integrity, secure OTP login with lockout, and structured logging with full audit trails.
PCI Compliance & Audit Logging
Structured logging, audit trails, and automated MDR with dynamic rules enabled timely PCI submissions and full operational traceability.
Card-on-File & Invoice Redesign
Enhanced Card-on-File support for subscription billing competitiveness and redesigned invoices aligned with compliance and usability requirements.
The Problem, and How We Solved It
A payment gateway under pressure — from non-standard integrations, broken UX, and unresolved compliance gaps.
The Challenge
- Non-standard onboarding workflows and tightly coupled code made new processor integrations slow, error-prone, and expensive
- Inconsistent UIs, broken flows, and unoptimized queries degraded performance and user experience across all platform modules
- Weak security controls, incomplete logging, and limited audit trails blocked PCI compliance readiness and reduced payment feature competitiveness
Our Approach
- Rebuilt processor onboarding with reusable modular templates — accelerating integrations and eliminating coupling errors
- Delivered a unified design system and refactored database layer — 35% faster transactions, 50% better peak performance
- Implemented full security stack (CSP, SRI, OTP, audit trails) and automated MDR — enabling PCI compliance and subscription billing
The Solution
10decoders partnered with the client to execute a phased, end-to-end modernization initiative — touching architecture, UX, database performance, security, and compliance in four coordinated workstreams. Each phase was designed to deliver measurable outcomes without disrupting live transaction flows.
Standardized Onboarding with Modular Architecture
Reusable onboarding templates and modular code accelerated processor integrations and simplified future expansions — eliminating tightly coupled bottlenecks.
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 & 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 & Payment Feature Enhancements
CSP, SRI, secure OTP login with lockout, structured audit logging, automated MDR with dynamic rules, enhanced Card-on-File support, and redesigned invoices for compliance and usability.
From legacy bottlenecks to a high-performance gateway.
A phased modernization connected every layer of the platform — architecture, UX, performance, and compliance — into a cohesive, future-ready payment system.
Legacy Payment Platform
Tightly coupled integrations, inconsistent UX, degraded performance at peak, weak security controls, and incomplete compliance readiness.
10decoders Phased Modernization
Modular architecture, unified design system, DB optimization, security hardening, and PCI-compliant audit infrastructure — all delivered end-to-end.
High-Performance Payment Gateway
35% faster transactions, 50% better peak response, 60% fewer failures — scalable, secure, and PCI-compliant.
Speed, security, and scale — by design
Every design decision was made to maximize performance and compliance without disrupting live transaction flows.
35% Faster Transactions
Refactored procedures and optimized architecture cut processing time by 35%, significantly reducing checkout drop-offs.
50% Better Peak Response
Optimized indexes, auto-retry logic, and improved timeout handling delivered 50% better system response under peak transaction loads.
60% Fewer Failures
Modular architecture and improved error handling cut processor-related failures by 60% — higher uptime and merchant confidence.
Unified Merchant Experience
A common design system across Admin, Merchant, and Website modules eliminated broken flows and reduced user complaints by 40%.
PCI Compliance Ready
Structured logging, full audit trails, CSP, SRI, and secure OTP login enabled timely PCI DSS submissions and full operational traceability.
Modular Processor Onboarding
Reusable onboarding templates and decoupled code simplified future processor integrations — reducing expansion time and errors.
What We Built
Modular Processor Onboarding Framework
Reusable templates and decoupled architecture accelerating processor integrations and reducing onboarding errors.
Unified Design System & UX
Common UI across Admin, Merchant, and Website modules with real-time transaction feedback and clear error handling.
Performance & Reliability Engine
Refactored DB procedures, optimized indexes, batching, auto-retry, and improved QR/timeout handling for stable high-volume performance.
Security & Compliance Package
CSP, SRI, OTP login with lockout, structured audit logging, automated MDR, enhanced Card-on-File, and redesigned invoices for compliance and usability.
What Changed
Processor Onboarding
Tightly coupled, non-standard integrations → Reusable modular templates — faster, error-free processor onboarding.
User Experience
Inconsistent UIs with broken flows and unclear errors → Unified design system — consistent, responsive, real-time feedback across all modules.
Transaction Speed
Slow processing with checkout drop-offs → Optimized architecture and refactored procedures — 35% faster transaction processing.
System Performance
Degraded performance at peak load → Optimized queries, indexes, batching, and auto-retry — 50% better peak-load response.
Security & Compliance
Weak controls, incomplete logging → CSP, SRI, OTP lockout, structured audit trails — PCI compliant with full operational traceability.
Payment Operations
Manual MDR, limited Card-on-File → Automated MDR with dynamic rules, enhanced Card-on-File support for subscription billing competitiveness.
Impact Across the Organization
35% Faster Transactions, 40% Fewer Complaints
Average processing time reduced by 35% — lowering checkout drop-offs. UI improvements drove a 40% reduction in user complaints.
50% Better Peak Performance
Database optimizations and refactored procedures improved system response times by 50% during peak loads — zero degradation at scale.
60% Fewer Failures, PCI Ready
Processor-related failures dropped 60%, and enhanced logging and audit trails enabled timely PCI DSS submissions and full traceability.
