ARCHITECTURE / Platform Capabilities & Telemetry

Intelligent Payment Orchestration Architecture

Unify card acquirers, local real-time banking, and alternative payment rails under a single API endpoint. Built for enterprise high availability, automated FX settlement, and granular application tenant isolation.

21 Gateways
Direct Acquirers & Local Rails
< 180ms
Route Decision & Cascade Latency
10 Currencies
Automated Daily FX Settlement
99.99%
High-Availability Uptime SLA
Pillar 01 · Reliability

Multi-Gateway Failover & Intelligent Cascading

Eliminate single-point-of-failure acquirer dependencies. If an acquirer experiences downtime, latency degradation, or card network rejections, QEG Pay automatically cascades transaction attempts down your prioritized failover sequence in sub-second time.

  • Unified JSON API payload routing transparently across 21 certified card networks and wallets
  • Real-time health telemetry monitors acquirer latency, error rates, and bank response codes
  • Acquirer master credentials stored with military-grade AES-256 GCM envelope encryption
ROUTING_ENGINE :: POP.EXECUTE
LIVE STATUS: OK
// Inbound Checkout Transaction
const route = await QEG.resolveRoute({
  amount: 150.00, currency: 'USD',
  priority: ['stripe', 'mastercard', 'adyen'],
  rules: { allow_smart_failover: true, max_latency_ms: 350 }
});
Primary Acquirer: Stripe Direct 118ms · HEALTHY
Failover Node 1: Mastercard MPGS STANDBY (0ms lag)
FX_SETTLEMENT_LEDGER
DAILY AUTO-SYNC
AED AED
1 USD = 3.6725
AUD AU$
1 USD = 1.5200
BDT ৳
1 USD = 121.5000
CAD CA$
1 USD = 1.3800
// Zero-Slippage Settlement Formula
Invoice (€250.00 EUR) ÷ 1.0845 = $230.52 USD Payout
✓ Verified 0.00% slippage across merchant ledger accounts
Pillar 02 · Economics

Real-Time FX & Multi-Currency Engine

Sell globally without currency friction. Allow international customers to pay in their local domestic currencies (EUR, GBP, BDT, INR, BRL) while receiving single-currency consolidated payouts in your primary USD merchant treasury.

  • Automated daily rate updates via ECB and federal banking feeds (php artisan currency:sync)
  • Granular currency validation ensuring transactions only route to gateway accounts that support them
  • Custom decimal precision handling to eliminate floating-point calculation anomalies
Pillar 03 · Architecture

Multi-Website & Connected Store Isolation

One merchant account effortlessly powers dozens of websites, online stores, or mobile applications. Each connected site operates in complete architectural isolation with its own domain token verification, dedicated webhook listener, fee configuration, and distinct API keys.

  • Meta-tag and DNS TXT verification ensures website ownership and blocks domain spoofing
  • Per-application fee management: select Inclusive (merchant absorbs) or Exclusive (customer surcharged) per store
  • Isolated transaction history, refund logs, and webhook delivery signatures per application
MULTI_APP_ISOLATION_TOPOLOGY
VERIFIED DOMAINS
WooCommerce Flagship LIVE
store.merchant.com · Exclusive Fee (1.5%)
VERIFIED
SaaS Billing Portal LIVE
app.merchant.io · Inclusive Fee (1.5%)
VERIFIED
Mobile React Native SDK SANDBOX
mobile.merchant.internal · Isolated Test Keys
ACTIVE
ECOSYSTEM DIRECTORY

Supported Acquirers & Local Payment Rails

Fully unified under one API. Enable or disable any payment rail per connected application with zero code modifications.

Adyen Direct API
ACTIVE
Omnichannel Acquirer & 3DS 2.0
key: adyen
Authorize.Net Direct (AIM)
ACTIVE
Visa Enterprise Gateway
key: authorizenet
Cashfree Payments
ACTIVE
India Collections & Payouts
key: cashfree
Checkout.com Direct Acquirer
ACTIVE
Cross-Border Acquirer
key: checkout_com
Flutterwave (Pan-Africa)
ACTIVE
Pan-African Payment Rails
key: flutterwave
Mastercard Gateway Services (MPGS)
ACTIVE
Direct Bank Acquiring (MPGS)
key: mastercard
Nagad Direct MFS Engine
ACTIVE
Bangladesh Digital Post MFS
key: nagad
Net Banking Direct Interbank
ACTIVE
Direct Bank Transfer Rails
key: netbanking
PayCEC Global Direct
ACTIVE
Global Merchant Processor
key: paycec
PayPal Complete Payments
ACTIVE
Global Digital Wallet & Pay in 4
key: paypal
Paytm Wallet & QR
ACTIVE
India Mobile Wallet & UPI
key: paytm
Pix Instant Payment (Brazil)
ACTIVE
Brazil Central Bank Instant
key: pix
Razorpay Direct API
ACTIVE
India Cards & Smart Router
key: razorpay
Rocket (DBBL Mobile Banking)
ACTIVE
DBBL Bank & Mobile Wallet
key: rocket
SSLCommerz National Gateway
ACTIVE
Bangladesh National Aggregator
key: sslcommerz
Square Direct Payments
ACTIVE
Direct Card & Terminal Rails
key: square
Stripe Card Network
ACTIVE
Global Cards & Direct Acquirer
key: stripe
UPI Instant Pay (India)
ACTIVE
India Real-Time NPCI Rail
key: upi
Upay (UCB Mobile Financial)
ACTIVE
UCB Digital Banking Wallet
key: upay
bKash Direct Wallet API
ACTIVE
Bangladesh Mobile Money (MFS)
key: bkash
iDEAL Bank Transfer (EU)
ACTIVE
Netherlands Direct Bank Transfer
key: ideal

Ready to Orchestrate Your Global Payments?

Eliminate vendor lock-in and increase checkout conversion. Create a merchant account today to test your stores in sandbox or live production.

Create Merchant Account Launch Store Simulator API Documentation