Payment Orchestration Integration.
Multi-Gateway Infrastructure.
PayServ operates as a certified Independent Software Vendor (ISV) and neutral aggregation middleware layer — routing, vaulting and normalising payment data across any downstream gateway without ever touching raw cardholder data.
A Neutral ISV Orchestration Layer — Not a Gateway
PayServ is registered and operates as an Independent Software Vendor (ISV) and payment software aggregator. We do not act as a money transmitter, acquire merchant accounts, or hold or process settlement funds. Instead, PayServ provides the intelligent middleware that sits between a merchant's application and their chosen downstream Payment Service Providers.
Merchants retain their direct PSP relationships and credentials. PayServ's role is limited to optimising routing decisions, executing failover logic, normalising data schemas, and managing token lifecycles — all without intercepting raw cardholder data at any stage.
Three Foundational Infrastructure Capabilities
Every transaction routed through PayServ passes through three core engine layers — each designed to eliminate single points of failure, reduce compliance scope, and normalise data at the infrastructure level.
Universal Token Vaulting
Cardholder data is captured once via PSP-hosted iFrame SDKs at the point of entry. The resulting network-agnostic payment token is stored in the PayServ secure vault and can be presented to any downstream gateway — eliminating redundant re-tokenization when merchants switch or add PSPs.
- PAN never transits PayServ servers
- Cross-PSP token portability
- Token lifecycle management & rotation
- Vault-to-vault migration on PSP change
Raw cardholder data is captured exclusively within PSP-controlled Hosted Fields. PayServ receives and stores only the resulting opaque payment token.
Dynamic Failover Engine
When a primary PSP network returns a hard decline, timeout, or infrastructure fault, PayServ's routing engine automatically reroutes the transaction payload to the next eligible processor — in under 800ms — with no merchant-side code changes and a complete audit trail.
- Real-time PSP health monitoring
- Configurable retry & cascade rules
- Soft-decline vs. hard-decline differentiation
- Sub-800ms rerouting with full audit trail
Failover decisions are made at the routing layer. Merchant credentials are passed through unmodified to each downstream gateway — PayServ never modifies payment intent.
Unified Data Schema
Each PSP publishes webhook events, dispute notifications, and settlement reports in proprietary formats. PayServ's normalisation layer translates every downstream event into a single, consistent schema — one API endpoint, zero per-PSP parsing logic required in the merchant application.
- Single webhook endpoint for all PSPs
- Normalised dispute & chargeback events
- Unified settlement reconciliation
- Idempotent event deduplication
PayServ acts as a read-through normalisation proxy. Underlying PSP transaction records remain the authoritative source of truth at all times.
From Credential Configuration to Live Transactions in One Sprint
PayServ's onboarding model is engineered for speed without sacrificing compliance rigour. The three-phase flow takes any merchant from initial credential setup to certified, live transaction routing in a single engineering sprint cycle.
Configure Merchant Credentials & Routing Rules
Connect your existing PSP API credentials via the PayServ dashboard or REST API. Define routing priority, failover cascade order, and granular transaction-level routing rules — for example, routing AMEX transactions to Stripe and domestic debit to Fiserv — with no credential migration required.
- No credential migration
- Sandbox & production support
- Per-merchant, per-MID configuration
Run Certification & Regression Test Suites
Execute the full PayServ test harness across all configured PSPs simultaneously. AI-generated test scenarios cover happy paths, edge cases, decline codes, 3DS flows, and refund/void/capture sequences. Export certification reports directly for PSP compliance team review.
- Parallel multi-PSP execution
- Auto regression on every config change
- Exportable certification reports
Route Live Transactions with Real-Time Monitoring
Switch to production with a single API endpoint change. PayServ's routing engine handles all gateway selection, token presentation, failover execution, and webhook normalisation at runtime — transparently and with full observability.
- Real-time routing decision dashboard
- Per-transaction PSP performance metrics
- Instant alerting on routing anomalies
PayServ Compliance Architecture — KYB Reference
The following statements are provided for KYB (Know Your Business) screening, risk assessment, and compliance due diligence by Payment Service Provider onboarding teams, acquiring banks, and card network compliance reviewers.
Business Classification
PayServ is classified as an Independent Software Vendor (ISV) and payment integration software aggregator. We do not process, hold, or transmit settlement funds on behalf of merchants. We are not a Payment Facilitator (PayFac) and do not underwrite merchant risk.
Credential Handling
PayServ acts as a neutral configuration overlay for merchant PSP credentials. Credentials are encrypted at rest (AES-256-GCM), transmitted only to the authorised downstream PSP over TLS 1.3, and are never written to application logs in any form.
Cardholder Data Environment (CDE)
PayServ's servers are entirely outside the cardholder data environment. Card input fields are rendered as PSP-hosted Hosted Fields (iFrames) served directly from PSP CDNs (e.g. Square's Web Payments SDK, Stripe Elements). PayServ never intercepts, stores, or processes Primary Account Numbers (PANs), CVV codes, or full cardholder names at any point in the transaction lifecycle.
PCI-DSS Scope & Attestation
By architectural design, PayServ qualifies under PCI-DSS SAQ A — the lowest possible compliance scope. Network diagrams, data flow diagrams, system architecture documentation, and scoping analysis are available to PSP and acquiring bank compliance teams upon written request under mutual NDA.
Supported Payment Service Providers
Pre-built, certified connectors for the major global PSPs. Each connector undergoes full regression and certification testing before each platform release. New integrations are added on a quarterly release cycle.
Stripe
Square
Adyen
PayPal
FiservStart Building on the PayServ Orchestration API
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