White labelFinancial services

Payment aggregator

One integration for every way a customer wants to pay

Online payments in Southeast Asia are fragmented across cards, local wallets, instant bank rails, and QR. Symph built a payment gateway so a merchant integrates once, or not at all, and still accepts all of them.

This is a Symph product. We built it and we run it.

At a glance

A payment gateway with hosted checkout, payment links, merchant and branch management, transaction reporting, and settlement controls

Client: Symph product, serving merchants from single-location businesses to multi-branch operations
Industry: Payments infrastructure
Status: Live and operating, under continuous security maintenance
Engagement: Symph-owned product: build, operate, and secure

The challenge

A merchant wanting to accept every popular payment method is looking at a development project, not a signup.

The market is fragmented
Customers expect cards, local wallets, instant bank transfer, QR, and regional wallets, each with its own integration.
Merchants do not have engineering teams
The people who need this most are least equipped to build it.
Multi-branch merchants need structure
One account has to cover many locations without mixing up their transactions.
Finance teams need records, not dashboards
Exportable transaction data and settlement controls matter more than charts.
Payment software is never finished
Handling other people’s money means a permanent security obligation, and payment-critical paths can never regress while that work happens.

How we built it

Symph built the product in three layers, each removing more work from the merchant.

One integration, many methods
A single integration point gives the merchant cards plus the major local and regional digital wallets and instant payment rails, instead of one integration per method.
Or no integration at all
Payment links let a merchant send a customer to a hosted payment page without touching code, which is the difference between a product a small merchant can use and one it cannot.
Operate it like payment infrastructure
Dependencies and platform components are reviewed and updated continuously, with automated behaviour tests guarding payment-critical paths on every release.

Modules

01
Hosted checkout
A payment page covering cards, local and regional wallets, instant bank transfer, and QR.
02
Payment links
Shareable links to a hosted payment page, usable without any integration work.
03
Merchant and branch management
One merchant account across multiple branches, with transactions attributed per branch.
04
Transactions and exports
Searchable transaction records with exports for finance and reconciliation.
05
Settlement holdouts
Controls over amounts held back from settlement.
06
Reporting
Operational reporting across merchants, branches, and payment methods.

Delivery model

01
Symph-owned product
Symph builds, hosts, operates, and secures the gateway rather than handing it over.
02
Continuous security maintenance
Dependencies and platform components are reviewed and updated as an ongoing discipline, not a periodic project.
03
Automated behaviour tests on payment paths
Every change to a payment-critical path is tested before release.

How it’s built

Proven architecture

The gateway runs on Google Cloud with a managed datastore, cached sessions, and automated build and deployment, built for reliability under transaction load.

Secure by default

Encryption, strict access controls, managed secrets, continuous dependency maintenance, and automated regression testing on payment paths protect merchant and cardholder data. Symph follows OWASP-aligned practices and the Philippine Data Privacy Act.

AI-native delivery

Symph’s engineers build and review with AI coding tools like Claude Code and OpenAI Codex, which is a big reason security maintenance keeps pace without stalling product work.

Application: Node.jsExpressTypeScriptRedis
Google Cloud: Google Cloud
AI-native development: Claude CodeOpenAI Codex

The result

A merchant integrates once, or sends a link, and accepts cards and every major wallet its customers use.

11integration point for cards, wallets, bank rails and QR
00integration work needed with payment links

Live and operating
The gateway is a working Symph payment product, not a prototype.
Many methods, one integration
Cards, local wallets, instant bank rails, QR, and regional wallets are reachable through the same checkout.
Usable without engineers
Payment links let a merchant collect online payments with no integration work at all.
Built for multi-branch merchants
Branch-level attribution, transaction exports, and settlement holdouts support real finance operations.
Maintained like payment infrastructure
Symph runs full security remediation cycles and automated behaviour tests on payment-critical paths rather than deferring them.