Custom Payment Processing Services

Background

Client: all-in-one omnicommerce payment solution provider with contactless, fast, secure, and safe payment processing.

Goal: to develop back-end services with an API interface responsible for a full cycle of payment processing, settlement, and integration with 3rd party payment partners.

Industry: Fintech, Payment, Ecommerce

Geography: California, the U.S.

Team Size: 10

Duration: September 2020 — Ongoing

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Industry:

Fintech

Location:

US

Services Used :

Fintech & Payment Solutions

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Solutions

PayFac-Ready Payment Core: Tronix built domain services for onboarding, KYC/KYB, underwriting, tokenization, auth/capture/void/refund, and dispute/chargeback flows—designed for idempotency, multi-tenant routing, and high availability.
Settlements & Ledgering: Implemented a double-entry ledger, funding schedules, fees/assessments, and automated reconciliation against acquirer reports; delivered merchant payout statements and exception workflows.
Elavon & Partner Integrations: Delivered certified connectors to Elavon (latest specs), plus pluggable adapters for additional processors and alt-pay rails; standardized webhooks and async callbacks for reliable eventing.
Secure, Compliant API Platform: Exposed versioned REST/GraphQL APIs with OAuth2/JWT, PCI-DSS–aligned controls, vaulting, field-level encryption, 3-D Secure support, and granular RBAC for merchants and sub-accounts.

‍Result
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Becoming a Payment Facilitator

Helped the client with transition into a payment facilitator, enabling the consolidation of the payment process, providing merchants with a unified platform with improved transaction management, and a faster onboarding process.

Elavon compliance

Met new specifications and certifications by updating systems to comply with the latest Elavon requirements.