Chat with us!See how mTouch Labs built a PCI-DSS compliant payment platform that cut transaction failures from 8% to 0.4% and settlement time from 3 days to 4 hours.
mTouch Labs delivered a platform that feels like it was built by a 50-person fintech team. The fraud engine alone saved us six figures in the first quarter.
Head of Payments, Fintech Client
mTouch Labs built a secure, scalable payment processing platform for a fast-growing fintech startup. The solution handles thousands of transactions per second with real-time fraud detection, multi-currency support, and a compliance-ready audit trail — all delivered in under 12 weeks.
| Project Detail | Information |
|---|---|
| Project Type | Web & Mobile |
| Industry | Fintech & Financial Services |
| Technologies | Node.js, React, PostgreSQL, Redis, AWS, Stripe Connect |
| Delivery Partner | mTouch Labs |
| Primary Outcome | The platform went live in 11 weeks and immediately reduced transaction failure rates, automated reconciliation, and gave the finance team a single source of truth. |
The client's legacy payment infrastructure was fragmented across three vendors, causing settlement delays of up to 3 days, high transaction failure rates, and zero real-time visibility into cash flow.
finance teams used 4 separate tools
We began with a 2-week discovery sprint mapping every payment touchpoint, failure mode, and compliance requirement. Our architecture decision: a microservices-based payment gateway with an event-driven ledger, enabling real-time reconciliation without locking any existing banking integrations.
A unified payment platform built on Node.js microservices with a React dashboard, PostgreSQL ledger, and Redis-powered fraud scoring engine. The platform connects to existing banking partners via standardised APIs while exposing a clean merchant-facing SDK.
Microservices API layer and payment orchestration
Merchant dashboard and internal ops console
Immutable transaction ledger with audit trail
Real-time fraud scoring cache and rate limiting
ECS container orchestration, RDS, and CloudHSM for key management
Underlying payment rails and card processing
Mapped existing payment flows, identified PCI-DSS gaps, and defined the unified data model
Built the immutable PostgreSQL event ledger with idempotency keys for safe retries
Developed payment initiation, settlement, and refund services with circuit breakers
Integrated ML fraud scoring pipeline with real-time Redis cache
Built the React merchant dashboard with live WebSocket feeds and CSV export
Conducted full PCI-DSS audit and third-party penetration testing before go-live
The platform went live in 11 weeks and immediately reduced transaction failure rates, automated reconciliation, and gave the finance team a single source of truth.
By rebuilding from a fragmented vendor stack to a unified event-driven platform, the client gained real-time financial visibility that their enterprise peers pay millions for.
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View case studyWhat businesses ask us most often about this project and how we built it.
The full platform including compliance hardening and penetration testing was delivered in 11 weeks from kickoff to go-live.
Yes. The platform achieved PCI-DSS Level 1 compliance before launch, including a third-party penetration test and full audit trail.
Absolutely. The gateway layer uses standardised REST APIs and supports any banking partner that exposes an API, with no lock-in to a single provider.
mTouch Labs combines AI-powered development with deep industry expertise to deliver solutions faster.
