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In the finance domain, payment reliability is not just a technical requirement—it’s a business promise. Customers expect payments to go through instantly, securely, and without disruption. Even a few minutes of downtime can lead to failed transactions, lost trust, and regulatory concerns.
WaysNX partnered with a US-based microfinance company that processes a high volume of customer payments through e-commerce and POS systems. The client relied heavily on a single Payment Gateway, which worked well—until occasional outages and maintenance windows began affecting transaction success rates.
The challenge was clear:
How do you ensure 100% payment availability without disrupting existing systems, customer experience, or compliance standards?
The answer lay in a dual payment gateway architecture with intelligent auto-failover, built on the client’s trusted IBM i platform. The result was a resilient, secure, and scalable solution that ensured uninterrupted payment processing—even during gateway outages.
The client’s existing setup depended entirely on USAePay as the primary payment gateway. While stable, any downtime—planned or unplanned—resulted in transaction failures and customer dissatisfaction.
In the microfinance space, even a failed transaction can delay repayments, impact reconciliation, and raise compliance issues. Manual retries were not acceptable at scale.
Introducing failover sounds simple—until you consider the risk of double billing. The system needed absolute transaction continuity with no duplicates.
Operating in the finance domain meant strict adherence to PCI DSS, encrypted communications, and complete audit trails.
The IT team needed real-time insight into gateway health, transaction success rates, and failover events—without manual monitoring.
Client Industry: Microfinance / Finance Domain
Region: United States
Core Platform: IBM i
Primary Gateway: USAePay
Secondary Gateway: Repay
Solution Type: Dual Payment Gateway Integration with Auto-Failover
Key Outcome: High availability, zero duplicate charges, improved customer experience
Stakeholders Involved:
WaysNX designed and implemented a dual payment gateway integration using IBM i, ensuring seamless routing between USAePay and Repay, with intelligent auto-failover and complete transaction traceability.
2. IBM i application routes request to Primary Gateway (USAePay)
3. Health check verifies gateway availability
4. Repay processes payment and returns response
5. IBM i logs transaction details, including gateway used
6. Customer receives successful payment confirmation
The switch happens in milliseconds—without the customer ever knowing a failover occurred.
What if both gateways are unavailable?
No confusion. No technical errors exposed. Just transparency and control.
Gateway Integration
Failover Mechanism
Security & Compliance
Administration & Monitoring
IBM i Execution Excellence
The solution leveraged the strengths of IBM i for reliability and scalability:
This ensured performance, resilience, and maintainability without introducing unnecessary complexity.
This project reinforced a crucial truth:
High availability in payment systems is a business strategy, not just a technical feature.
Key takeaways included:
Most importantly, the client’s teams could focus on growing their microfinance operations—without worrying about payment disruptions.
In the fast-paced finance domain, customers don’t care why a payment failed—they only know that it did. With WaysNX’s dual payment gateway integration on IBM i, this client ensured that payments always had a reliable path forward.
So, what happens when your primary payment gateway goes down?
With the right architecture, your customers never even notice.
This case study demonstrates how smart system design, IBM i expertise, and failover automation can turn a potential risk into a competitive advantage.
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US Based Micro Finance company
Ensure uninterrupted payment processing and higher transaction success rates for a finance application by eliminating single-gateway dependency.
Implemented dual payment gateway integration with intelligent auto-failover logic to seamlessly switch gateways during outages or failures.
Significantly reduced payment failures and downtime, resulting in improved customer trust, revenue continuity, and system resilience.
IBM i, Payment Gateways
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