A leading payment infrastructure provider supporting merchants, subscription businesses, and digital platforms with online payments, recurring billing, card processing, and multi-currency transactions. The system handles millions of secure transactions daily across global markets.
Hours saved annually through automated payment operations and reconciliation
Accuracy in fraud detection rules, settlement validation, and compliance checks
Success rate for AI-powered routing and transaction optimisation
Functional releases delivered for automation, gateway upgrades, and infrastructure scaling
The Chalange
The payment provider needed to modernise and optimise its infrastructure to support rapid transaction growth, global expansion, and strict compliance requirements.
Legacy components created slow processing times, inconsistent settlement cycles, and limited visibility into cross-border transactions.
Manual reconciliation and rule-based routing made it harder to adapt to fluctuating transaction volumes and evolving fraud patterns.
The organisation sought a future-proof, intelligent, and scalable payment infrastructure, without compromising uptime, transaction speed, or customer trust.
What did
Tecnologia do
The payment platform and TechPhobias shared a unified vision of combining secure financial operations with intelligent automation, making the partnership a natural fit. TechPhobias has been supporting the organisation since mid-2021 across two major workstreams: AI-Enhanced Payment Intelligence and Infrastructure Automation & Gateway Optimisation, assisting engineering, compliance and operations teams focused on reliability and scale.
AI-Enhanced Payment Intelligence – TechPhobias partnered with the platform’s data and risk teams to identify, design, build, test and deploy AI-driven models for transaction scoring, routing optimisation, dispute prediction and fraud detection. To date, TechPhobias has delivered multiple intelligence solutions across real-time routing, settlement insights, chargeback detection and risk classification.
Infrastructure Automation & Gateway Optimisation – TechPhobias led the upgrade of legacy gateway components to a fully automated and scalable architecture. In addition, TechPhobias developed an orchestration layer enabling seamless coordination between payment gateways, fraud engines, merchant systems and reporting dashboards, ensuring faster processing, improved uptime and readiness for global expansion.
The Results
- 22+ intelligent and automated payment workflows deployed
- 25,000+ operational hours saved annually
- 100% accuracy in automated reconciliation, settlement and compliance workflows
- >95% success rate for AI-supported routing and transaction optimisation
- Multi-gateway SDK delivered, enabling consistent performance across global markets, currencies and merchant systems
