1. Commercial objective
What must the stack solve: enter a market, improve acceptance, add redundancy, accelerate payouts, change settlement or reduce dependency on a provider?
PaymentsNova Architecture Tool
Payment Architecture Brief
Payment architecture should start with a decision brief, not an integration list. This template organizes the information a team needs before selecting or connecting providers.
2. Markets and customers
Priority countries, currencies, segments, payment behavior and operating constraints.
3. Methods and rails
Cards, transfers, APMs, local methods, Open Banking, instant payments, crypto or stablecoin rails to evaluate.
4. Provider landscape
Current providers, candidates, actual coverage, underwriting, limits, dependencies and ownership of each relationship.
5. Routing and redundancy
Primary routes, alternatives, failover triggers, market/method rules and single points of failure.
6. Funds flow and settlement
How money enters, moves, converts and settles; currencies/assets, frequency, fees and treasury dependencies.
7. Risk and compliance
KYB/KYC, fraud, chargebacks, screening, limits, jurisdictions and provider-approval criteria.
8. Reconciliation and reporting
Sources of truth, IDs, statuses, fees, refunds, payouts, settlement and closing process.
9. Operations
Monitoring, alerts, escalation, ownership, support and incident procedures.
10. Open decisions
What must be verified, quoted, tested or approved before executing the architecture.
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