Global payment performance is about flexibility and resilience. We’ve rebuilt payment stacks for premium retailers using Laravel, Next.js, and AWS, and the highest ROI changes never come from UI tweaks—they come from smarter routing.
Build a routing brain independent of the PSP
Laravel or Node.js middleware owns routing decisions so front ends stay simple. We maintain a matrix of gateways, regional rules, and feature flags in a central store (DynamoDB or MySQL). When authorisation dips in APAC we can re-route to a local acquirer without redeploying checkout.
Design for retries and fallbacks
Every payment attempt carries an idempotency key shared across PSPs. On failure we retry through an alternate gateway with adjusted fraud signals (AVS, 3DS, SCA exemptions) tuned to that region. Queue-backed workflows ensure customer confirmation waits until the routing layer resolves success or final failure, so support always sees accurate status.
Blend fraud intelligence with UX
We integrate third-party fraud tools via webhooks and pass their signals into the routing engine. High-risk scores might force step-up authentication, while trusted customers glide through. Because the rules live outside the React clients, experimentation never slows the UI.
Operate with real-time telemetry
Authorisation rate, decline codes, retry volume, and settlement time are streamed into CloudWatch and surfaced on finance-friendly dashboards. During a whisky collection launch we spotted a drop in European approvals within minutes and flipped traffic to a backup PSP with better BIN coverage. Postmortems fed new rules back into the routing matrix.
How we help
We combine architecture, PSP relationships, and observability so your payment stack becomes a competitive advantage. If you need engineers who have handled multi-gateway routing in production, we’re ready.