A_GUZMAN c-copper v0.03
← 02_WORK / FINTECH-AI
[0x02] AI_FINTECH // PAYMENT_RAILS

Sixty payment providers, one checkout.

Integrated, maintained, and scaled 60+ third-party payment provider APIs behind a single e-commerce checkout — transaction processing and fraud handling across multiple regions and regulatory regimes. Employer and client names withheld; specifics under NDA.

ROLE
Owned checkout end to end
STACK
Angular, Ionic, .NET
SCALE
60+ providers, multi-region
PERIOD
2+ years in production
STATUS
Shipped — professional work
01 // THE_PROBLEM

Every payment provider believes it is the standard.

Sixty of them means sixty auth schemes, sixty webhook formats, sixty failure vocabularies, and sixty ideas about idempotency — feeding one checkout that must never double-charge, silently fail, or leak a card number.

The work: make provider count an operational detail. Adding gateway #61 should be routine engineering, not a project.

02 // ARCHITECTURE

Adapters at the edge, a state machine in the middle.

Checkout talks to an orders API. Orders run a fraud pipeline, then a payment orchestrator drives a transaction state machine. Every provider sits behind one adapter contract; webhooks are verified and reconciled back into the same machine. Sanitized diagram.

checkout (Angular / Ionic)

orders API (.NET)

fraud pipeline

payment orchestrator

transaction state machine — idempotency keys, audit

adapter 01

adapter 02

adapter 03

adapter 60+

payment provider APIs (multi-region)

webhooks

verify

reconcile

EDGE
Adapter contract
authorize · capture · refund · webhook-verify. Quirks stay inside.
CORE
State machine
Explicit states, audited transitions, idempotency keys.
GUARD
Fraud pipeline
A stage ahead of capture, tuned per region.
LOOP
Reconcile
Webhooks verified, replayed safely, folded back into state.
03 // DECISIONS
D1

One adapter contract per provider

Each gateway implements one normalized interface; quirks live inside the adapter, never in checkout logic. That is what kept #60 as boring as #6.

D2

State machine over status strings

Transactions move through explicit states with audited transitions. Reconciliation reads the machine, not provider payloads.

D3

Idempotency keys everywhere

Retries and duplicate webhooks are absorbed, not double-processed. Fraud checks run as a pipeline stage ahead of capture, tuned per region.

D4

Own the checkout UX end to end

Angular + Ionic mobile. Optimization work on the flow contributed to a measured 15% conversion-rate increase.

04 // NUMBERS
60+
Provider integrations behind one checkout.
+15%
Conversion-rate lift from checkout work.
multi
Regions and regulatory regimes.
2yr+
Owned in production.

Volume figures belong to the client. The transferable claim: payment integrations at this count are an architecture problem, not a coding problem — and the adapter/state-machine shape above is what kept #60 as boring as #6.