Platform Overview

How Checker handles your payment stack

A closer look at routing logic, reconciliation infrastructure, and compliance enforcement.

Routing Engine

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
Routing decision: POST /payments/route
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
Reconciliation ledger, live
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

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 action
Compliance Layer

Compliance 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
Compliance check
transaction_id: pay_7xKm4r
mas_check: passed
fatf_screen: clear
audit_ref: aud_4k9Lm2
Compliance hold
code: 422
reason: cross_border_threshold
Security

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.

TLS in transit
All API traffic encrypted end-to-end
Encrypted at rest
Payment data encrypted in storage
Scoped API keys
Fine-grained read/write permissions
No credential storage
Raw payment credentials never stored

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