01Case study

Card Settlement Pipeline

Daily settlement files generated in the processor's own format, PGP-encrypted on the way out and decrypted on the way back, with reversals and same-day ACH handled on the same path.

Processor-format batch files, generated and reconciled daily
PGP encryption both directions, separate test and production keys
Reversals and same-day ACH on the same pipeline

Sector: Fintech · Card payments & settlement
Scope: Settlement files, encryption, reversals
Stack: PHP, PGP, SFTP
Status: Delivered

PHP
PGP
SFTP
Payments
MySQL

2-way PGP

out and back, in the processor's own batch format