Betaalgateway

Betaalgateway is a hypothetical, API-first payment gateway platform that enables merchants to authorize, process, and settle electronic payments across card networks, bank transfers, and digital wallets. It is designed to act as an intermediary between e-commerce platforms, payment processors, and financial institutions, providing a unified interface for payment workflows.

Its architecture emphasizes modular microservices, stateless API services, and event-driven messaging. Common components include an API gateway, authorization service, settlement and reconciliation service, fraud and risk analytics, and a secure vault for tokenized data. Integration typically relies on RESTful or gRPC APIs, with webhooks for event notifications and support for developer SDKs.

Supported payment methods include credit and debit cards, ACH/bank transfers, and popular digital wallets or regional payment methods. The gateway can perform card authentication, 3D Secure checks, tokenization, and vaulting of customer payment details, reducing exposure of sensitive data.

Security and compliance: Betaalgateway adheres to industry standards such as PCI-DSS and tokenization best practices; uses TLS encryption; supports role-based access control and audit logging.

Deployment and use cases: It is suitable for online merchants, marketplaces, and subscription businesses that require scalable payment routing, real-time authorization, and automated settlement. Typical workflow: merchant initiates payment, gateway tokenizes data, requests authorization, receives approval or decline, and processes settlement.

Key capabilities:

- API-first design with REST and gRPC interfaces

- Multi-method payments, including cards, ACH, and wallets

- Tokenization and secure data vault

- Fraud detection and risk scoring

- Global settlement and reconciliation