Payments & Money Movement
The systems that move money: acceptance, orchestration, payouts, and reconciliation, for teams that treat payments as core infrastructure. We engineer the whole path (authorization, capture, payout, reconciliation) to stay up, stay compliant, and keep approval rates high on infrastructure you run.
How we help
The systems behind acceptance, orchestration, and settlement, engineered for uptime and for control of the money path.
Acceptance across regions and currencies
Card, wallet, and local-method acceptance in the markets you sell to, each tuned to how that market pays. One integration covers hosted checkout, network tokens, and 3-D Secure 2, so opening a new country is a configuration change rather than another processor project.
Higher approvals, lower cost per transaction
Adaptive routing, issuer-aware retry timing, and automatic fallback raise authorization rates and hold down the cost of every transaction. Declined charges retry on the rail most likely to approve them, and traffic shifts on its own when a processor degrades, without an engineer in the loop.
The money path you run
A gateway, ledger, and reconciliation layer that run on your infrastructure, so routing logic, transaction data, and PCI scope stay under your control. No per-transaction lock-in, and nothing opaque sitting between you and the money movement your business depends on.
What we deliver
The building blocks of a payment stack, engineered to production standards and yours to run.
Card acquiring & checkout
Hosted-field and drop-in checkout with acquiring that keeps card data off your servers. Network tokenization, account updater, and 3-D Secure 2 raise authorization rates while holding PCI scope at SAQ A, so conversion and compliance move in the same direction.
Multi-PSP orchestration
One integration in front of many processors, with geo-aware routing, health checks, and automatic failover. Add or swap a PSP behind a common interface, run cost-based or approval-based routing, and keep one reconciled view of every transaction across all of them.
Payouts & disbursements
Outbound money to cards, bank accounts, and wallets across domestic and cross-border rails from one API. Batch or real-time, with status webhooks, retry handling, and a reconciled record for every payout, so operations stop chasing failed transfers by hand.
Real-time & account-to-account
Instant and A2A rails wired in where they cut cost and settlement time, from open-banking payments to real-time schemes. Each arrives with the mandate, refund, and exception handling those rails require, not just a connection to the network.
FX & cross-border
Multi-currency pricing, conversion, and settlement built for flows that cross borders. Present prices in the buyer’s currency, settle in yours, and keep the rate, fee, and margin visible on every transaction so finance can reconcile cross-border revenue without guesswork.
Reconciliation & ledgering
A double-entry ledger that records every authorization, capture, refund, and payout, with automated matching against processor and bank statements. Anything that does not match lands in an exception queue with enough context to resolve it, so the books close on schedule.
Our technology radar
Where we stand today. The Hold ring is the one that matters: these are positions we argue against, including when a client asks for them.
The default unless there is a reason not to.
- Tokenize-first architecture, keeping PCI scope at SAQ A by design
- Double-entry, event-sourced ledger for anything that holds value
- Idempotency keys and optimistic concurrency on every money-moving endpoint
- Multi-PSP orchestration behind a port, with failover as a normal path
- 3-D Secure 2 with a PSD2 exemption engine
- Signed, ordered, replay-safe webhooks
We use these on new work and watch them closely.
- Instant and account-to-account rails as a primary method, not a fallback
- Network tokens for card-on-file where scheme support is real in your markets
- Rust on the authorization hot path, where latency and correctness are the same problem
We argue against these.
- Storing PANs in your own database when tokenization removes the reason to
- A single PSP with no fallback, however good the commercial terms look today
- Reconciliation as a month-end spreadsheet process
- A bespoke 3DS flow written in-house instead of an exemption engine
- Holding float in a system that is not double-entry
- Routing rules embedded in checkout code, where changing them means a release
How we work
One delivery approach on every engagement: senior engineers, tight increments, compliance and security inside the build.
Discover
Systems, constraints, and the regulation you operate under get mapped before implementation starts, so the design accounts for what already runs and for what examiners will ask about.
Architect
A design that fits your stack. Integration-first, self-hostable, and built to change as rails, regulation, and volume do.
Build
Senior engineers ship in tight increments, each tested and reviewed as it goes, so the system is reviewable at every step instead of only at the end.
Harden
Security, compliance, and load-testing run inside the build, so PCI scope, audit trails, and peak-volume behavior are proven before launch.
Run
The handover includes clean, documented systems, with the option to keep the same engineers operating them once they are live.
Why Oxagile
Two decades in payments
Payments systems in production since 2005, from card acquiring to multi-PSP orchestration. The failure modes, from declined-retry loops to reconciliation drift, are ones we have already seen and designed around.
Engineered for uptime
Event-driven, fault-tolerant designs that hold at peak volume and degrade gracefully when a processor or rail does. Failover is automatic and observable, so a bad PSP day does not become a checkout outage.
Compliant by design
PCI scope kept minimal through tokenization and hosted fields, with audit trails and data residency decided at the architecture stage. Compliance is part of the design, not a control added before an assessment.
Yours to run
A self-hostable architecture that keeps routing logic, transaction data, and cost under your control. You own the money path and the decisions inside it, on your own infrastructure.
Acquiring to orchestration, in production since 2005.
Senior teams across payments, risk, and data.
Banks, PSPs, and single-product fintechs.
What our architects hand you
Delivered from Presales and Discovery, yours to keep whatever you decide next.
Book an architecture sessionSystem Design
Target architecture against your systems, with failure domains and the order things get built.
API contracts
Every integration point written before an implementation exists.
Compliance scope assessment
Which systems fall in scope under each option, and what the design removes.
Cloud cost model
What it costs to run at your volume, by component.
Security review
Threat model for the paths that move money or hold personal data.
Migration and cutover plan
Parallel run, reconciliation, gradual shift, and a rollback point at each step.
Questions
The questions teams ask before they build payments on someone else’s stack.
Can we self-host the gateway?
Yes. The payments stack is built to run in your own cloud, so routing logic, transaction data, and PCI scope stay with you. You keep control of cost and data residency, and there is no dependency on us to keep money moving.
How do you keep PCI scope small?
Card data is captured in hosted fields and tokenized into the vault we deploy, so a primary account number crosses one boundary and everything downstream moves on tokens. Most integrations stay at SAQ A, and the tokenization, network tokens, and audit trails are part of the build rather than a later retrofit.
Can you add a processor later?
Yes. Processors sit behind a common interface, so a new PSP is an adapter and a routing rule, not a rebuild. Cost-based and approval-based routing can weigh it against the others from the day it is connected.
How do you handle failed and retried payments?
Declines retry on the rail most likely to authorize them, with issuer-aware timing rather than blind repeats. On recurring payments, the system recovers a charge before the customer sees it fail, which cuts involuntary churn.
Who owns reconciliation?
The ledger matches automatically against processor and bank statements, and anything that does not match lands in an exception queue with the context to resolve it. Finance closes the books on schedule instead of hand-matching at quarter-end.
Payments, broken down
Each of these goes deeper than this page does: the systems we build, how they are put together, and what we hand over.
What we’ve shipped
PSP-independent payment layer for a subscription platform
UK meal-kit subscription platform
A UK meal-kit subscription platform now owns a payment orchestration layer that treats every PSP as a plug-in behind one internal contract. We built that layer while moving millions of live subscriptions to a new provider with zero downtime.
Regional payment orchestration for a D2C media platform
D2C OTT & media subscription platform
A D2C media platform expanding into MENA, LATAM, and Southeast Asia now owns a payment orchestration layer that routes every charge to the processor most likely to approve it. Payments moved out of the engineering backlog and into the hands of the business.
Multi-PSP payment ecosystem for a subscription retention provider
Subscriber-retention platform (Merchant of Record)
The client now owns a payment orchestration layer that routes every transaction across multiple PSPs and recovers failed recurring charges on its own. The retention core that major subscription brands depend on stayed untouched, and the Merchant-of-Record role never left the platform.
Unified bank-integration middleware for an investment manager
Caribbean investment management firm
A Caribbean investment management firm now owns a payment middleware layer that speaks to nine banks through one API. Payables, client payments, FX, and payroll travel one monitored pipeline instead of nine separate bank portals.
Ready to make payments
a product you control?
Tell us where money gets stuck: routing, approvals, reconciliation, a PSP you've outgrown. We'll come back with the build, not a brochure.