Consolidate payment platforms without breaking live transactions.
After an acquisition or a product expansion, you are running duplicate payment stacks. We merge them, migrate the flows, and stage the cutover so nothing stops processing.
Merge duplicate payment stacks after an acquisition, with no transaction downtime. Staged, reversible migration.
- Fixed scope, fixed price, a named end date
- Your core team never leaves the roadmap
- Full handover - code, docs and runbooks
The deal closed and now you have two of everything: two onboarding flows, two settlement engines, two reconciliation systems, two sets of merchant data. Every month you run both, you pay twice and you carry double the operational risk. But these are live payment flows. You cannot just switch them off and rebuild.
The regulatory and continuity stakes make a quiet migration the only option. Even a short interruption to live transactions is a problem your merchants will notice and your regulator will ask about. Audit exposure compounds: two stacks mean two control surfaces, two sets of evidence, two recovery procedures. A botched migration in a regulated payment environment costs more than the duplicate stack you were trying to retire, so most teams put it off, and the duplicate cost keeps running.
We map both stacks, decide the target architecture, and migrate merchant onboarding, transaction routing, settlement, reconciliation and reporting in stages. Each stage is tested and reversible. No big-bang cutover.
In practice that means parallel running during each stage. Traffic shifts from old to new in defined slices, with the option to roll back to the old path while the new one is still warm. Live transactions never see a single switchover. Settlement and reconciliation run on both stacks for an agreed window so the books match before the old stack is retired. The duplicate cost goes away in steps you control, not in one risky leap.
We map your platform, the client or partner system, the data flows, the APIs, the authentication, the compliance constraints, and the go-live risks. You get a one-page integration map and a clear scope.
We decide what should be an adapter, an SDK, an API extension, a workflow, a data pipeline, or a manual fallback. A named architect runs this step and writes the reasoning down, so your team can challenge it.
We ship the integration logic, the data mapping, the automated checks, error handling, logging and acceptance tests. We work in your repos, your CI, your tooling. Not in some separate vendor environment.
You get the source code, a runbook, test cases, monitoring, documentation and a hypercare window. Your engineers can run it without us.
Where it helps, we turn the first integration into a pattern for the next clients. The second one costs less than the first.
A consolidation is done when the duplicate stack is gone and not a single transaction was lost. For us, done means:
The integration is live, or ready for a controlled production rollout.
The data mapping is approved by your team and the counterparty.
Provider, partner or client acceptance tests pass.
Monitoring, alerting and failure handling are configured.
The runbook is delivered and walked through with your operations team.
Source code, tests and documentation are handed over.
Your internal team is trained on the integration.
The hypercare window is complete.
The duplicate stack is retired, all flows run on the consolidated platform, and the cutover audit trail proves no transaction was lost.
Regulated delivery is documented: where DORA applies, the outsourcing register entry, audit and exit clauses, and exit drills are run before the old stack is retired.
We have not published a specific named consolidation case yet, so this section describes the programme rather than a single client. A typical engagement runs 3 to 9 months with a Squad-10 (one part-time solution architect, one tech lead, three senior and three mid engineers, a business analyst, a QA). The first two to four weeks are mapping both stacks and aligning the target architecture with your team. From there the work runs in two to four sequenced stages: onboarding and merchant data first, then transaction routing, then settlement and reconciliation, then reporting and decommissioning. Each stage has a defined rollback. The last stage is retiring the old stack, with the audit trail to prove nothing was lost in the cutover.
How do you avoid downtime?
Staged, reversible migration with parallel running. Each stage shifts a defined slice of traffic from old to new, with both paths warm, and we keep the option to roll back until the new path has proved itself. There is no single cutover moment that can bring live transactions down.
How long does consolidation take?
Typically 3 to 9 months. The number is driven by stack complexity: how many providers each side talks to, how different the data models are, how strict the reconciliation and reporting requirements are, and how much old data has to move with the merchants.
Who owns the risk during cutover?
Shared governance. We own the architecture, the migration plan and the rollback plan. Your operations and compliance teams own the go / no-go calls at each stage. Where DORA applies, we provide the outsourcing register entry, audit and exit clauses, and exit drill support to keep your oversight intact.
Can you work alongside our existing teams?
Yes. The Squad-10 embeds in your tools, your repos and your CI. Your engineers stay close to the consolidated stack from day one so they own it after handover.
What about compliance during the migration?
We treat the consolidation as a regulated change. DORA mapping for the outsourced scope, an audit trail per stage, exit clauses written into the contract, and exit drills run before the old stack is retired. Your auditor sees the same evidence we do.