SeamlessPay

SeamlessPay is a payment optimization platform for high-growth businesses. It sits above payment processors to raise approval rates and reduce losses from false declines, fraud and chargebacks, combining smart routing, network tokens, account updater and intelligent retries with adaptive 3D Secure, real-time fraud scoring, Verifi and Ethoca alerts and AI-assisted dispute handling, through one integration and without locking a merchant into a single processor.

Behind that product sits the platform itself. The payment core is a set of microservices on AWS Lambda behind API Gateway, with the heavier and longer-running services in ECS Fargate containers behind a load balancer, scaling task count up and down with load. Card transactions run through a First Data integration, ACH through integrations with several different processors, and PayPal alongside them. The API is not an internal detail: physical payment terminals transact through it, so it is a public contract with hardware in the field on the other end.

On the client side there is a payment web SDK built the way Braintree builds one - card fields in an iframe, cross-frame messaging over framebus, promise wrapping - with card validation and card-type detection, and a separate package that masks and restricts what can be typed into a card field. Both are released by semantic-release, and the input package is tested in real browsers through WebdriverIO on BrowserStack rather than in a headless approximation of them.

The backend packages run on Feathers.js with socket.io and JWT authentication over MongoDB, deployed through the Serverless framework with Step Functions, run locally against localstack and fed credentials from encrypted credential storage. Infrastructure is AWS CDK v2 in TypeScript with Sentry wired in, and the whole thing is delivered by GitHub Actions: infrastructure deploys automatically, but only after the unit tests pass - a red test suite means no deploy. Exceptions and system events land in Slack channels rather than in a log nobody reads, and merchant portals are built in React and Mantine with Next.js and NestJS.

Because card data is held rather than passed through, the platform lives under audit. Card numbers are stored only encrypted; the database has no route in from the internet; CloudWatch logs are checked to make sure no card numbers and no personal data end up in them, with logging hygiene treated as its own requirement; and the cardholder data environment is a separate infrastructure stack of its own rather than a wing of the main one.

Its public site, seamlesspay.com, runs on WordPress with a site-specific theme and Genesis Blocks, hosted on WP Engine behind Cloudflare. It presents the product suite, use cases, practical guides and interactive tools such as a VAMP calculator and a chargeback cost calculator, captures audit requests through HubSpot forms, and links out to developer documentation, the merchant portal and a public status page.