Internet Payment Gateway

All ProductsAcquiring

Internet Payment
Gateway

A secure, scalable internet payment gateway for eCommerce merchants and payment service providers. Supports 3DS2 authentication, tokenisation, multi-currency processing, recurring billing, and a broad range of alternative payment methods — all from a single, PCI-DSS v4.0 certified integration.

Architecture Overview

Internet Payment Gateway Architecture

Click to expand. The diagram shows the full payment flow from merchant checkout through the gateway, acquirer, card scheme, and issuer — with gateway capabilities mapped in detail.

Internet Payment GatewaySecure eCommerce payment acceptance & processingMerchantCheckoutPaymentGatewayAcquirerProcessorCardSchemeIssuerBankGateway Capabilities3DS2 / SCA3D Secure authTokenisationPAN vault & tokenFraud ScoringReal-time MLMulti-currency150+ currenciesRecurringSubscription billingAPMsWallets, BNPL, localSmart RoutingLeast-cost pathRetry LogicAuto-retry engineWebhooksReal-time eventsReportingAnalytics & reconPCI-DSS v4ISO 27001TLS 1.3GDPR ReadyMAS TRM
Expand diagram

Platform Capabilities

What the Platform Delivers

3DS2 / SCA authentication
EMV Payment Tokenisation
Real-time fraud scoring
Multi-currency processing (150+ currencies)
Recurring billing and subscription management
Alternative payment methods (wallets, BNPL, local)
Hosted payment page and API integration
Merchant portal and reporting
Chargeback management
Dynamic currency conversion
PCI-DSS v4.0 certified
ISO 27001 certified infrastructure

Key Features

Built for APAC Requirements

Frictionless 3DS2

Implement EMV 3DS2 with risk-based authentication — minimising challenge rates while meeting PSD2 SCA requirements and reducing cart abandonment.

Global APM Coverage

Accept digital wallets, BNPL, bank transfers, and local APAC payment methods — PayNow, PromptPay, GrabPay, GoPay — alongside traditional card payments.

Intelligent Fraud Prevention

Real-time ML-based fraud scoring at the gateway layer, with configurable rules, velocity checks, and device fingerprinting — before the transaction reaches the acquirer.

Flexible Integration

Integrate via hosted payment page, JavaScript SDK, or direct REST API — with pre-built plugins for major eCommerce platforms including Shopify, WooCommerce, and Magento.

Typical Use Cases

Who Uses This Platform

  • eCommerce merchants accepting card payments across APAC
  • Payment service providers building gateway infrastructure
  • Marketplaces requiring multi-seller payment splitting
  • Subscription businesses managing recurring card billing
  • Travel and ticketing platforms with high-value transactions

Get Started

Ready to Implement?

Proximo's specialists will scope the implementation, manage the vendor relationship, and deliver a production-ready system — configured for your APAC market.

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