PaymentsNova Resource
Payment Architecture Checklist
A practical structure for reviewing a payment stack before adding another provider.
Coverage
Which countries, currencies, local methods, cards and rails does the business actually need?
Redundancy
Is there an alternate route if a provider, acquirer, method or rail becomes unavailable?
Routing
Which rules determine where each transaction is sent and how is performance measured?
Settlement
Which currency or asset is used for settlement, how often, and what treasury dependencies exist?
Risk & compliance
Which KYC/KYB, underwriting, fraud, chargeback and jurisdiction requirements constrain the stack?
Reconciliation
How are authorizations, captures, fees, refunds, payouts and settlement matched to internal records?
Operations
Who monitors incidents, approval rates, balances, limits, failures and escalations?