Solutions
Core Payment and Risk Operating SystemA modular gateway platform designed to manage transaction routing, risk logic, and integrations across multiple acquirers and regions.
PLATFORM OVERVIEW
One System That Orchestrates
Every Transaction
Gateway OS operates between your checkout, acquirers, and risk providers. Each transaction is evaluated, scored, and routed dynamically based on performance data, geography, and behavioral risk signals.
This approach allows payment operations to remain stable even in high-risk or regulated environments where traditional processors fail.
Gateway OS at a Glance
A real-time orchestration layer designed to stabilize approvals, reduce risk exposure, and eliminate single points of failure across global payment flows.
180+
Countries SupportedMulti
Acquirer Routing0
Fund HoldingWhat Gateway OS Is Not
- ✕ A payment processor
- ✕ A fund-holding entity
- ✕ A settlement provider
SYSTEM POSITIONING
An Operating Layer
Between Payment Systems
Gateway OS operates as an independent orchestration layer between your checkout, acquiring banks, and external risk providers. It evaluates each transaction in real time and determines how, where, and whether it should be processed.
IAAI does not replace acquirers or processors. Instead, Gateway OS coordinates them — enabling control, visibility, and resilience without becoming the financial intermediary.
DECISION LIFECYCLE
Decisions Made
Per Transaction
Gateway OS does not rely on static rules. Every transaction triggers a dynamic decision sequence that adapts to changing risk patterns and acquirer performance.
- ✓ Pre-authorization risk scoring
- ✓ Acquirer performance comparison
- ✓ Conditional rerouting logic
- ✓ Approval or rejection execution
Outcome
The result is higher approval stability, lower chargeback exposure, and reduced dependency on any single provider — without introducing fund custody risk.
CORE RESPONSIBILITIES
What Gateway OS
Manages in Real Time
Transaction Evaluation
Each transaction is analyzed using behavioral signals, historical performance data, and configurable risk rules before being routed or declined.
Routing Decisions
Gateway OS selects the most appropriate acquirer based on geography, currency, card type, and real-time approval performance.
Failure Handling
Automatic failover logic prevents single points of failure by rerouting transactions when acquirers underperform or become unavailable.
OPERATIONAL FIT
When Gateway OS
Makes Sense
- ✓ Multiple acquiring relationships
- ✓ Approval rate volatility
- ✓ Elevated chargeback exposure
- ✓ Cross-border transaction flows
- ✓ Need for routing transparency
What Gateway OS Enables
Operational control over payment flows without the legal, regulatory, or financial burden of acting as a processor or licensed institution.
Multi
Acquirer ControlReal-Time
Risk DecisionsZero
Fund HoldingExplore Gateway OS for Your Architecture
Discuss routing logic, risk thresholds, and acquirer strategy with our technical team — before committing to any setup.
