Card & Payments Infrastructure Integration

Understanding Card & Payments Infrastructure Integration

Card payments sit at the centre of many customer journeys — from e-commerce and in-app payments to point-of-sale and virtual cards. Behind each transaction is a complex ecosystem of issuers, acquirers, processors, gateways, schemes, tokenisation services, and risk and fraud platforms.

Integrating these components is challenging. Systems must support high volumes, low latency, and strict SLAs, while maintaining PCI DSS compliance, strong customer authentication, and real-time fraud controls. Every flow must be secure, traceable, and aligned with regulatory expectations such as PSD2, FCA/PRA guidelines, and scheme rules.

At 6B, we specialise in integrating and orchestrating card payment infrastructure so that each component works together reliably. Whether you’re working with established processors and gateways or building a new acquiring or issuing capability, we design integrations that are resilient, maintainable, and built for the demands of card payments at scale.

Our Card & Payments Infrastructure Integration Approach

Our approach starts with a detailed review of your existing card payment architecture, including issuers, acquirers, processors, gateways, POS or e-commerce channels, and fraud and risk systems. We work with your teams to map end-to-end transaction flows — authorisation, clearing, settlement, chargebacks, and dispute handling — and to understand the performance, resilience, and compliance requirements that shape your environment.

Using this foundation, we design integration patterns that align with your strategy, whether you’re consolidating multiple providers, onboarding a new processor, or introducing new card products and channels. We architect and implement support for scheme and processor APIs, 3D Secure (3DS) flows, tokenisation services, digital wallet integrations (e.g. Apple Pay, Google Pay), and PCI-aligned data handling. Our engineers focus on secure communication, clear separation of PCI scope, and robust error handling to protect both customers and operations.

Throughout delivery, we embed observability, logging, and monitoring so that each transaction can be traced and issues can be diagnosed quickly. We build integrations that support real-time risk and fraud assessment, AML triggers, and operational reporting. Extensive testing — including performance, failover, security, and end-to-end journey validation — ensures your card payment capabilities are stable, compliant, and production-ready before go-live.