Unifying fragmented U.S. payment processors through a secure, multi-tenant gateway
A leading payments provider needed a unified platform to simplify integrations, ensure compliance, and deliver faster, more reliable transactions.
About
A leading payments technology provider sought to consolidate fragmented payment systems across U.S. processors into one secure, scalable gateway. Their existing infrastructure created inefficiencies that slowed onboarding, complicated compliance, and limited real-time visibility into revenue performance.
They partnered with Lumenalta to design a regulatory-compliant, cloud-native architecture that could handle high transaction volumes while maintaining security and reliability. The project aimed to standardize integrations and accelerate access to modern payment options.
Through this collaboration, the client achieved 99.99% uptime across a multi-tenant gateway serving over 1,600 customers and processing more than 23 billion dollars annually.
Real-time
payment options expanded customer convenience
Unified
fragmented U.S. processors into a single, scalable payment gateway
Automated
certification significantly reduces onboarding time
Challenge
Integrating payment systems across multiple U.S. processors introduced operational friction and compliance risks. The organization needed a more unified and scalable foundation to meet growing transaction volumes while maintaining security and performance standards.
Key challenges included:
- Fragmented processor integrations across legacy systems
- Manual certification processes that delayed onboarding
- Limited real-time visibility into payment and reconciliation data
- Complex regulatory requirements across multiple processors
- High maintenance costs for disparate infrastructure
- Inconsistent customer experiences during payment interactions
- Limited support for emerging digital wallets and contactless payments
These obstacles constrained growth, delayed partnerships, and created unnecessary strain on internal teams.
Solution
Lumenalta built a unified, regulatory-compliant multi-tenant payment gateway that automated certification and streamlined processor integrations.
The new platform introduced an API-first framework using REST and SOAP services, supported by PostgreSQL for stability and JavaScript for flexible front-end development. This modern foundation simplified processor connectivity and reduced time-to-market for new integrations.
Automated certification workflows accelerated partner onboarding and improved oversight, while native compatibility with Apple Pay™, Google Pay™, and Samsung Pay® enhanced customer accessibility and satisfaction.
The gateway’s cloud-based architecture achieved 99.99% uptime, providing the scalability and reliability required to handle 31 million annual transactions across more than 1,600 clients.
Results
The collaboration delivered measurable operational, financial, and customer experience benefits.
- Unified fragmented U.S. processors into a single, scalable payment gateway
- Automated certification significantly reduced onboarding time
- Real-time payment options expanded customer convenience
- Improved revenue visibility through automated reconciliation
- Strengthened regulatory compliance across processor networks
- Enhanced user experience through faster, more reliable transactions
- Increased internal efficiency through centralized oversight
The result was a streamlined payments ecosystem that balanced compliance, performance, and scalability—positioning the client for long-term growth in a fast-moving industry.
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