Unified Payment Orchestration Platform: Eliminating PCI Compliance Burden for SMBs through Multi-Provider Aggregation

Abstract

The paper presents a single billing integration system that eases the task of meeting the PCI requirements among small and medium-sized businesses (SMBs). This system has been integrated with some third-party payment providers through a centralized integration layer, such as Chase Payments, PayPal, Stripe, Square, etc. The platform will be able to compensate for payment card information with the assistance of tokenization, therefore, removing the compliance cost associated with PCI DSS. The architecture is intelligent regarding payment-routing logic that will dynamically select the optimal provider on configurable thresholds, thereby optimizing the payment processing and business operation. In addition, the platform offers the provider failover, where services will continue to stay online in the event of failures by providers. The abstracted domain mapping is an important area feature that transforms business payment models to provider-specific applications without any sensitive cardholder information. This non-compliant architecture will allow SMBs to concentrate on their business operations and get the benefits of long-term, scalable payment processing. The experiment concentrates on the scalability and ability of the platform to meet the changing needs of businesses. It gives details of the way it can be utilized in various industries. This one-payment orchestration model is a great move towards simplifying payment processing to SMBs and ensuring secure and compliant transactions can be made with little overhead.