Payment Data & Dispute Evidence Platform
Near-real-time ingestion and analysis of card-not-present transactions at high volume, plus enriched evidence for chargeback disputes.
The challenge
Merchants using several payment processors receive data in different formats, at different times, with different decline codes, so approval rates and declines are hard to understand. When disputes arrive, the evidence that could win them is spread across systems.
What we built
A payment-data platform for a US payments-infrastructure company. It ingests transactions from global payment processors in near real time, normalises them, and feeds analytics and merchant dashboards. We also integrated Visa Verifi Order Insight, so merchants can share enriched transaction detail with issuers and stop friendly-fraud disputes before they become chargebacks.
How it works
- Event-driven ingestion from processor APIs, files and webhooks into one transaction model
- Decline-code mapping across processors and networks
- A warehouse layer for analysis by network, issuer, BIN, region and decline reason
- Monitoring of pipeline lag, completeness and data quality
Key capabilities
- Multi-processor ingestion
- Normalised transaction model
- Approval and decline analytics
- Merchant dashboards
- Dispute evidence via Verifi Order Insight
How the pieces fit together.
A simplified view of the main components and how data moves between them.
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