Fintech Platform Payment Infrastructure
Power neobanks, lending platforms, payment processors, and digital wallets with sophisticated payment orchestration. Handle multi-party flows, compliance, risk management, and complex fund movements without building it all yourself.
The Fintech Platform Challenge
Fintech platforms face unique payment complexity: multi-party flows between platforms, merchants, and end users; stringent KYC/AML requirements; sophisticated risk management; split payments and fund holds; and cross-border regulatory compliance. Building this infrastructure from scratch takes years.
Building In-House
- • 12-18 months to build payment infrastructure
- • Dedicated team to maintain compliance
- • Complex reconciliation and ledgering
- • Ongoing regulatory updates and changes
- • Risk and fraud detection from scratch
With Corridorly
- • Launch payment operations in weeks
- • Built-in compliance workflows
- • Automated reconciliation and reporting
- • Regulatory updates handled for you
- • Pre-built risk scoring and fraud detection
Purpose-Built for Fintech
Corridorly handles the complexities fintech platforms face: from multi-party payment flows to regulatory compliance, from split payments to cross-border operations. Focus on your product whilst we handle payment infrastructure.
Unique Fintech Platform Challenges
Fintech platforms deal with payment complexity that goes far beyond simple transactions:
Multi-Party Payment Flows
Payments involve multiple parties: the platform, merchants/sellers, end customers, and sometimes intermediaries. Money flows between these parties with different timing, fees, and rules for each leg of the transaction.
KYC/AML Compliance Requirements
Fintech platforms must verify customer identities (KYC), screen for sanctions, monitor transactions for money laundering (AML), and report suspicious activity. Requirements vary by jurisdiction and customer type.
Risk and Fraud Management
Fintech platforms are targets for fraud: stolen cards, account takeovers, synthetic identities, first-party fraud. Risk management must balance fraud prevention with customer experience, adapting to evolving attack patterns.
Split Payments and Fund Distribution
Many fintech models require splitting a single payment across multiple recipients: marketplace commissions, affiliate payments, revenue shares, or multi-party settlement. Each split has different rules, timing, and compliance requirements.
Payout Complexity
Paying out to sellers, lenders, or service providers at scale is complex: different payout methods per recipient, varying schedules, currency conversions, tax withholding, and reconciliation across thousands of payouts.
Reconciliation and Ledgering
With money moving between multiple parties and accounts, keeping an accurate ledger is critical. Every transaction must reconcile across payment providers, internal ledgers, and bank accounts. Discrepancies indicate fraud, bugs, or compliance issues.
How Corridorly Solves Fintech Challenges
Corridorly provides the payment infrastructure fintech platforms need, pre-built and battle-tested, so you can focus on your core product.
Multi-Party Orchestration
Handle complex payment flows between platforms, merchants, and customers. Split payments, hold funds, distribute to multiple recipients with configurable rules and timing.
Compliance Workflows
Built-in KYC/AML checks, sanctions screening, transaction monitoring, and regulatory reporting. Compliance workflows that adapt to regional requirements automatically.
Risk & Fraud Detection
Real-time risk scoring, fraud detection, velocity checks, and pattern analysis. Machine learning models that improve with every transaction.
Payout Automation
Orchestrate payouts to thousands of recipients across multiple countries, currencies, and payout methods. Automated scheduling, retries, and reconciliation.
Multi-Party Payment Flows
Fintech platforms involve complex money movement between multiple parties. Corridorly orchestrates these flows with precision and compliance.
The Complexity
Multiple payment legs
A single transaction might involve: customer payment → platform escrow → merchant payout → affiliate commission. Each leg has different timing, fees, and failure modes.
Conditional logic
Payment distribution depends on business rules: commission tiers, refund policies, chargeback handling, merchant status, regulatory holds.
Failure handling
If any leg fails, need to handle gracefully: retry, reverse, hold funds, or notify stakeholders. Can't leave money in limbo.
Corridorly's Approach
Define multi-party flows as symphonies that orchestrate every step:
Customer Payment
Collect £100 from customer for marketplace purchase. Run fraud checks, verify payment method, and authorise transaction.
Escrow Hold
Hold funds in escrow until seller fulfils order. Configure hold period based on product type, seller reputation, and marketplace policy.
Split Payment
After delivery confirmation, split £100: £85 to seller, £10 platform fee, £5 affiliate commission. Execute all splits atomically.
Payout Execution
Pay out £85 to seller's preferred method (bank transfer, digital wallet, or debit card). Handle currency conversion if needed. Update ledger and notify seller.
Configurable Flow Options
Split Rules
- • Fixed amounts or percentages
- • Tiered commission structures
- • Dynamic splits based on conditions
- • Minimum and maximum thresholds
Hold Policies
- • Time-based holds (3, 7, 14 days)
- • Event-triggered release (delivery confirmation)
- • Risk-based hold periods
- • Manual release workflow
Failure Handling
- • Automatic retry with backoff
- • Partial payment success handling
- • Reversal and refund logic
- • Notification and escalation
Ledger Integration
- • Double-entry bookkeeping
- • Real-time balance updates
- • Audit trail for every movement
- • Reconciliation reports
Compliance & Risk Management
Fintech platforms operate in a heavily regulated environment. Corridorly provides the compliance infrastructure you need without the overhead of building it yourself.
KYC/AML Workflows
Automate customer verification and ongoing monitoring:
Identity Verification
Collect customer information (name, address, DOB), verify identity documents, perform liveness checks, and validate against government databases. Different verification levels for different risk tiers.
Sanctions Screening
Screen customers and transactions against OFAC, EU, UN, and other sanctions lists. Ongoing monitoring for list updates and changes to customer status.
Transaction Monitoring
Monitor transaction patterns for suspicious activity: structuring, rapid movement of funds, unusual transaction patterns. Flag for review and generate suspicious activity reports (SARs) when required.
Regulatory Reporting
Generate and file required reports: large transaction reports, suspicious activity reports, and jurisdiction-specific compliance filings. Maintain audit trails for regulatory inspection.
Real-Time Risk Scoring
Risk-Based Actions
- • Approve automatically
- • Standard processing
- • Normal payout timing
- • Routine monitoring
- • Additional verification
- • Extended review period
- • Delayed payout (24-48h)
- • Enhanced monitoring
- • Manual review required
- • Hold transaction
- • Request documentation
- • Fraud team investigation
- • Reject transaction
- • Block account
- • Generate SAR if required
- • Notify compliance team
Payout Orchestration
Paying out to thousands of merchants, sellers, or service providers is complex. Corridorly handles the entire payout lifecycle automatically.
The Payout Challenge
Multiple Payout Methods
Recipients have different preferences: bank transfers (ACH, SEPA, FPS), digital wallets (PayPal, Wise), instant payouts to debit cards, or even cryptocurrency.
Varying Schedules
Some recipients want daily payouts, others weekly or monthly. High-value merchants might have instant settlement, whilst new sellers have holding periods.
Currency Complexity
Global payouts require currency conversion, competitive FX rates, handling multiple currencies, and optimising for cost and speed.
Failure Handling
Payouts fail for many reasons: invalid account details, insufficient balance, provider issues. Need retry logic, alternative methods, and recipient notification.
Automated Payout Management
Corridorly orchestrates payouts from calculation to completion:
Payout Configuration
Schedule Options
- • Instant (real-time as earned)
- • Daily (end of day batch)
- • Weekly (specific day of week)
- • Monthly (1st or last business day)
- • On-demand (recipient triggers)
Payout Methods
- • Bank transfer (ACH, SEPA, FPS, wire)
- • Digital wallet (PayPal, Wise, Revolut)
- • Debit card (instant push to card)
- • Check (for specific regions)
- • Crypto (USDC, USDT stablecoins)
Hold Policies
- • New seller holding period (7-14 days)
- • Risk-based holds (high-risk transactions)
- • Chargeback reserve (percentage held)
- • Minimum payout threshold
- • Manual release workflow
Failure Handling
- • Automatic retry with exponential backoff
- • Fallback to alternative payout method
- • Recipient notification of failure
- • Manual intervention queue
- • Returned funds handling
Fund Flow Management
Managing how money moves through your platform—holds, splits, reserves, and settlements—requires precision and audit trails.
Common Fund Flow Patterns
Escrow and Holds
Hold customer funds until conditions are met: delivery confirmation, service completion, dispute period expiry. Release funds automatically or via manual approval.
Split Payments
Divide a single payment across multiple recipients with configurable rules: percentages, fixed amounts, tiered structures, or complex formulas based on transaction attributes.
Reserve Accounts
Hold percentage of merchant transactions as reserve against chargebacks, refunds, or fraud. Configurable reserve percentages, rolling reserves, or minimum balances.
Settlement Management
Aggregate transactions, calculate net settlement amounts, handle payment provider settlement timing, and manage platform float between collection and disbursement.
Ledger Accuracy
Every fund movement must be recorded accurately with full audit trail:
Every transaction creates balanced entries:
Audit Trail Includes:
- • Transaction ID and type
- • Timestamp and user/system actor
- • Source and destination accounts
- • Amounts and currencies
- • Related transactions (parent/child)
- • Business context and metadata
Cross-Border Operations
Fintech platforms serving global markets need to handle multiple currencies, cross-border payments, and varying regulatory requirements seamlessly.
Multi-Currency Support
Collection
- • Accept payments in local currencies
- • Display prices in customer currency
- • Local payment methods per region
- • Dynamic currency conversion (DCC)
Payouts
- • Pay merchants in their currency
- • Optimised FX conversion rates
- • Multi-currency wallets and accounts
- • Minimise currency conversion costs
FX Management
- • Real-time exchange rates
- • Multiple FX providers for best rates
- • Hedging support for large volumes
- • Transparent rate markup
Accounting
- • Multi-currency ledger
- • FX gain/loss calculation
- • Base currency reporting
- • Per-currency reconciliation
Regional Compliance
Different regions have different payment regulations:
Europe
Strong Customer Authentication (SCA/PSD2), GDPR data protection, SEPA payment schemes, e-money licensing requirements.
United States
State-by-state money transmitter licenses, BSA/AML compliance, OFAC sanctions screening, state consumer protection laws.
Asia Pacific
Varying requirements per country: PSP licensing, data localisation, local payment methods, cross-border restrictions.
Reconciliation & Reporting
With high transaction volumes and multiple payment providers, accurate reconciliation is critical for financial integrity and compliance.
Automated Reconciliation
Corridorly automatically reconciles across all data sources:
Transaction Matching
Match internal transaction records with payment provider reports, bank statements, and merchant statements. Identify matches, partial matches, and discrepancies automatically.
Discrepancy Investigation
Flag unmatched transactions, timing differences, amount mismatches, or missing records. Provide investigation tools to resolve discrepancies.
Balance Verification
Verify that internal ledger balances match external account balances across all payment providers, bank accounts, and merchant wallets. Alert on material discrepancies.
Reporting and Audit
Generate reconciliation reports for finance team, auditors, and regulators. Maintain complete audit trail of all reconciliation activities and adjustments.
Financial Reporting
Operational Reports
- • Daily transaction summary
- • Payment provider breakdown
- • Failed payment analysis
- • Payout status reports
- • Real-time dashboards
Financial Reports
- • Revenue and fee breakdowns
- • Merchant settlement reports
- • Reserve and escrow balances
- • Multi-currency accounting
- • P&L by business line
Compliance Reports
- • Transaction monitoring alerts
- • Sanctions screening results
- • Large transaction reports
- • Suspicious activity flagging
- • KYC verification status
Audit Reports
- • Complete transaction audit trails
- • User activity logs
- • Configuration change history
- • Reconciliation records
- • Exception and error logs
Ready to Build Your Fintech Platform?
Start with pre-built symphonies for multi-party payments, compliance workflows, and payout orchestration. Launch your fintech product in weeks, not years.