FiftyFive engineered a unified split-payments platform that processes multi-card, group, link, and installment transactions through a single orchestration API. The build embedded real-time analytics into transaction pipelines, added plug-and-play acquirer connectors, and consolidated frontend and backend into one monorepo. Secure, auto-scaling AWS infrastructure keeps the platform aligned with PCI-DSS, ISO 27001, and GDPR.
Build Your Platform With UsThe client operates a split-payments platform that enables merchants to process transactions across cards, groups, payment links, and installments. The platform is integrated directly with acquirers and is built to meet PCI-DSS, ISO 27001, and GDPR standards. As transaction volumes and workflow complexity grew, the client engaged FiftyFive to modernise the platform, migrate core systems, and build compliance-driven infrastructure on AWS. FiftyFive engineered and delivered the system; the client continues to operate the business.
Scaling a split-payments platform meant solving orchestration complexity and infrastructure debt at the same time, without breaking regulatory posture. FiftyFive had to modernise live payment flows while PCI-DSS, ISO 27001, and GDPR obligations remained continuously in force.
FiftyFive rebuilt the platform around a modular payment orchestration layer exposing a single unified API for every split-payment workflow. Real-time analytics and diagnostics were embedded directly into transaction pipelines, and plug-and-play connectors replaced bespoke acquirer integrations. Frontend and backend codebases were migrated into one monorepo with CI/CD pipelines, deployed onto secure, auto-scaling AWS infrastructure using containerisation and IAM-based access. Compliance was enforced in the architecture itself through tokenisation, encryption, and audit logging, with A/B testing and cross-platform work tuning the merchant and end-user experience.
FiftyFive modularised the payment orchestration layer so that every split-payment workflow runs through one API surface.
Observability was built into the transaction pipeline rather than bolted on afterwards.
FiftyFive replaced manual, static provider integration with a reusable connector model.
Frontend and backend were consolidated into a single repository with automated delivery pipelines.
FiftyFive deployed infrastructure sized to absorb rising transaction volume without manual intervention.
Regulatory requirements were implemented as platform controls rather than process overlays.
FiftyFive tuned the front-end experience against measured outcomes and delivered consistency across devices.
FiftyFive delivered a unified split-payments platform that processes multi-card, group, link, and installment transactions through a single API. The result is a secure, future-ready payments platform with higher operational efficiency, faster merchant onboarding, and stronger customer trust.
FiftyFive's unified payment orchestration API handles multi-card, group, link, and installment workflows through one integration path.
Real-time payment analytics embedded in transaction pipelines improve issue detection and shorten diagnostic time across live flows.
Plug-and-play acquirer connectors accelerate new payment provider integrations, expanding merchant options and opening additional revenue channels.
Monorepo migration with CI/CD pipelines streamlines development and speeds delivery across frontend and backend codebases.
A split-payments platform divides a single transaction across multiple payers, cards, or payout recipients. Common models include multi-card payments, group payments, payment links, and installments. Merchants use split payments to support shared checkouts, marketplace payouts, and flexible instalment plans without building separate systems for each flow.
Payment orchestration routes every payment workflow through a single API rather than separate integrations per flow or provider. Merchants and platforms integrate once instead of repeatedly. In this fintech engagement, FiftyFive's unified orchestration API reduced integration effort by 40% across multi-card, group, link, and installment payments.
A payment orchestration API is a single interface that coordinates payment workflows, acquirers, and gateways behind one integration point. Fintech platforms need one because provider-by-provider integration scales poorly. Orchestration decouples the platform from individual providers, making it faster to add acquirers and support new payment types.
Plug-and-play connectors replace bespoke, manual integration work. Each acquirer or gateway is implemented against a shared connector interface, so onboarding a new provider becomes configuration rather than a project. In this engagement, FiftyFive's connector model shortened new acquirer integrations from weeks to days.
PCI-DSS compliant payments platforms enforce compliance in the architecture, not around it. Core controls include tokenisation of sensitive card data, encryption in transit and at rest, strict access control, and audit logging for traceability. FiftyFive maintained PCI-DSS, ISO 27001, and GDPR adherence throughout platform modernisation.
Tokenisation replaces sensitive payment data with a non-sensitive token, so the underlying card details are never handled directly by downstream systems. It narrows PCI-DSS scope, reduces breach impact, and supports recurring and installment payments without storing raw card data across the platform.
AWS supports payments platforms that need to absorb variable transaction volume without manual scaling. Containerised, auto-scaling deployments handle demand spikes, while IAM-based access control provides the granular permissions required for PCI-DSS, ISO 27001, and GDPR compliance. FiftyFive deployed this fintech platform on AWS using exactly that model.
Monorepo migration consolidates frontend and backend into one repository, removing cross-repo coordination overhead and simplifying dependency management. Paired with CI/CD pipelines, it automates build and release. In this fintech engagement, monorepo migration and CI/CD cut release cycles by 25%.
Observability improves when analytics, monitoring, and diagnostics are embedded directly into transaction pipelines rather than added at the edges. Instrumented pipelines surface failures in real time across payment flows. FiftyFive's embedded analytics reduced incident resolution time by 35% on this platform.
A/B testing compares alternative checkout and payment flows against real user behaviour, identifying which version converts better. For payments platforms, it isolates friction in card entry, instalment selection, and confirmation steps. FiftyFive implemented A/B testing to optimise user flows and conversion on this platform.
Cost depends on the number of payment workflows, acquirer integrations, compliance scope, and whether existing systems require migration. FiftyFive bills monthly on actual man-hours rather than fixed blocks, and offers flexible engagement models so scope can adjust as the payment platform evolves.
Timelines vary with orchestration complexity, the number of providers to connect, and compliance requirements such as PCI-DSS and ISO 27001. FiftyFive runs a two-week free proof of concept before full engagement, giving fintech teams a working assessment of scope and technical approach before committing.
Yes. FiftyFive provides dedicated engineering teams for fintech payments work, covering payment orchestration, cloud infrastructure, DevOps, and security and compliance. With 300+ professionals across offices in India, the UK, Sweden, and the UAE, FiftyFive delivers with time-zone-aligned coverage for US-based product and engineering leaders.
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