Secure Payment Gateway Architecture
Secure Payment Gateway Architecture (Tokenization -> Fraud/Risk -> Core Processing -> Card Networks/Acquirers -> Settlem has 5 layers: Client & Merchant Integration Layer, Edge & Security Gateway Layer, Risk & Decisioning Layer, Core Payment Processing Layer, External Payment Rails (Networks & Banks).
Key modules include Client Checkout UI, Tokenization SDK (Client-Side Encryption), Merchant Backend (Optional), API Gateway, Secrets & Key Management.
Key modules
- Client Checkout UI
- Tokenization SDK (Client-Side Encryption)
- Merchant Backend (Optional)
- API Gateway
- Secrets & Key Management
- Compliance & Audit Controls
- Fraud Detection Engine
- Risk Service (Policy & Controls)