How Checker handles your payment stack
A closer look at routing logic, reconciliation infrastructure, and compliance enforcement.
Routing that reflects real-world payment economics
Checker evaluates provider fee schedules, uptime history, and transaction-type compatibility to select the best route on each call. Rules are configurable; failover is automatic.
When a provider returns an error or falls below your uptime threshold, Checker reroutes the transaction to the next-best option in under 100ms. Your application never has to know it happened.
Try the routing engine| Provider | Fee | Uptime 30d | Coverage | Score |
|---|---|---|---|---|
| HitPay | 0.60% | 99.94% | PayNow, FAST | 97 |
| Stripe | 1.50% | 99.91% | Cards, PayNow | 74 |
| Adyen | 0.80% | 99.78% | Cards, SWIFT | 68 |
| Txn ID | Amount SGD | Provider | Status | Timestamp |
|---|---|---|---|---|
| pay_7xKm4r | 497.00 | HitPay | Matched | 14:22:08 |
| pay_9mQz1k | 120.50 | Stripe | Matched | 14:21:44 |
| pay_3pYw8s | 2,400.00 | HitPay | Pending | 14:20:59 |
| pay_6bLn2v | 88.00 | PayNow | Matched | 14:19:31 |
| pay_1cRf5j | 350.75 | Adyen | Matched | 14:18:07 |
Reconciliation as infrastructure, not a report
Every settlement event is matched to a ledger entry using structured identifiers. Discrepancies surface in your dashboard before your finance team runs their next close.
Checker links each routed payment to a reconciliation record automatically. You get real-time match status across all providers in a single ledger view.
See it in actionCompliance baked into the routing layer
MAS Payment Services Act requirements, cross-border screening, and counterparty verification happen before a transaction is routed -- not after it fails.
Define compliance rules once in Checker. Every transaction is checked against them automatically. Failed checks surface with structured error codes your application can handle gracefully.
- MAS Payment Services Act compliance checks
- FATF counterparty screening on every transaction
- Automatic regulatory audit trail generation
- Cross-border transaction reporting ready
Designed with data security in mind
TLS in transit, encryption at rest, scoped API keys with fine-grained permissions. Checker does not store raw payment credentials.
Every API key is scoped to a specific environment (test or live) and a set of permissions. Keys can be rotated or revoked at any time without interrupting live traffic.
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