Tinker Payments
One integration layer for payments
Payment routing, provider integrations, and reconciliation in a unified platform.
01
The business challenge
As payment volume grew, teams were switching providers manually during incidents, reconciling data across disconnected reports, and absorbing avoidable conversion loss. The stack needed to move from reactive firefighting to a controlled operating model.
02
How we approached the work
Routing Intelligence First
Built policy-based routing that uses provider health, performance, and cost signals to optimize authorization success.
Instant Failover & Monitoring
Implemented automated fallback paths and SLA-focused observability to reduce downtime impact during provider incidents.
Unified Reconciliation Ledger
Created a centralized ledger model to simplify matching, exception handling, and audit-ready financial reporting.
03
What the platform enables
The capabilities below describe the delivered product, rather than measured business performance.
Intelligent Payment Routing
Policy-based routing across providers using live health and performance signals to maximize transaction success.
Reliability & Failover Controls
Automatic fallback paths, provider-level safeguards, and SLA-focused monitoring to keep checkout resilient during outages.
Unified Reconciliation Ledger
Single source of truth for transaction states, reconciliations, and operational reporting across gateway providers.
04
What this means for your project
Payment resilience requires both technical recovery and operational visibility. Define what happens when a provider fails, how transaction states are reconciled, and who resolves exceptions. These decisions should guide the integration, rather than follow it.
How to evaluate a similar investment
Track authorisation rates by provider, unresolved reconciliation items, and recovery during incidents. Compare equivalent payment methods and markets.
Book a 30-minute callExplore the product
Tinker Payments · Visit the productRelevant work
Complex challenges. Working products.
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Explore the projectWhich of your systems don’t talk to each other?
Bring the systems, bottlenecks and goals you want to discuss. We will help identify a practical first step.