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01
Rails and orchestration
One integration. Route across processors and rails without hard-wiring a single vendor.
We build and run the payment layer inside your platform.
You have a processor to replace, a rail to add, a ledger that has to balance, and a date you gave someone. We bring engineers who have shipped this before and a library of the parts nobody should rebuild. You keep the processor contract, the spread and the code. We are paid to build it, a monthly fee to run it, and a fee from the processor we wire in — which we tell you about first.
Own the router, rent the rails.
$1M/mo
Beniplus — through an integration and ledger we built. Moved from manual EFT file uploads to Zum Rails, reconciled per member to the provider record
Nuvei
multi-year delivery for payment companies that move money themselves
ISV
never a PSP, payfac, or holder of funds — nothing to unwind if you replace us
Who this is for
You already decided to rebuild something in payments.
You have a cutover date, a processor migration, a rail to add, a ledger that will not balance, or a payment feature that routes volume and earns nothing.
If you are shopping for a general technology partner, this page is the wrong door. If you have a funded payments project and a date, keep reading.
Architecture
Your platform. Your contracts. Our router.
Client-owned payment layer between your product and example processors/rails. Futurify owns routing, reconciliation, and onboarding — not funds.
Client platform Your product · your perimeter
Futurify payment layer CLIENT-OWNED · PROVIDER-AGNOSTIC
Routing Reconcile Onboard
Interacexample bank rail
Stripeexample processor
Adyenexample processor
Monerisexample processor
NOT IN FLOW OF FUNDS Owns routing logic only
Illustrative demo — not a live router
Interactive routing
Pick a scenario. Watch the path.
Illustrates how a client-owned layer can route across example processors and rails without hard-wiring a single vendor.
Client platform checkout request
Payment layer evaluating rules…
Routing Reconcile Onboard
Adyen example card processor
Interac example bank rail
Stripe example failover
Moneris example standby
Scenario: Card via Adyen — primary card path through the layer to Adyen (example).
What we build
Five things that sit between your product and the rails.
02
Ledger and reconciliation
Insert-only double entry where it matters; exceptions with an owner; export that finance can trust.
03
Migrations and cutovers
Replace the processor, add a second rail, move merchants onto a platform model — without a second discovery project.
04
Payment revenue for platforms
Surcharge / dual pricing that survives tax, financing attach, payout speed. You keep the spread.
05
Conformance and remediation
Gap analysis against a real standard, with evidence, then a fixed-price remediation scope.
Illustrative ops panel — example day and exception queue
Reconciliation mock
A balanced day — and the exceptions that still need an owner.
Illustrative ops view only. Insert-only double entry where it matters; exceptions with an owner; export that finance can trust.
Day close · example
Status Balanced
Settled (sample) 12,480
Matched 12,463
Exceptions 17
Owner SLA Same day
| ID | Type | Rail (example) | Owner | Detail |
|---|---|---|---|---|
| Amount mismatch | Adyen | Ops · Maya | ||
| Processor settlement differs from platform capture by $0.03 — FX rounding. Ops confirms ledger insert; finance reviews export. | ||||
| Late credit | Interac | Ops · Ren | ||
| Bank rail credit posted after cutover window. Queued for next-day match against Interac (example) remittance file. | ||||
| Duplicate event | Stripe | Eng · Kai | ||
| Duplicate Stripe (example) webhook retry. Layer deduped event log; confirm merchant ledger was not double-posted. | ||||
How engagement works
Assurance → Build → Run → Partner.
- Assurance (optional)
Named defect list against a standard or live system.
- Build
Fixed price, milestone invoiced. You own the instance, configuration, data and event log. Futurify owns the reusable core under a perpetual licence for you to run it.
- Run
Monthly fee per account: exceptions queue, connector updates, new rail onboarding. Priced per account, per month — ask for the current ladder.
- Partner
If a processor pays us a referral or integrator credit, you hear it before we recommend them.
Boundary
We are an ISV. We are not in the flow of funds.
Futurify is not a payment service provider, a payment facilitator, or a holder of funds. The layer runs in your perimeter under your provider agreements. A second processor is wired into every build.
How we are paid
Every fee, written where a CFO can find it.
Build
Fixed fee for the scope. Milestone invoiced.
Run
Monthly fee per account for operating what we built. Until a public Run ladder is published after the first signed Run, ask for the current ladder—we do not invent a number here.
Assurance
Fixed fee for conformance and remediation.
Partner referral
Some processors pay Futurify a referral fee, listing, or integrator credit. We disclose that before we recommend a processor. Integrator credits pass through to reduce your invoice.
What we do not take
Your payments margin. Custody of funds. Float or yield on your customers’ money until counsel clears that question. Exclusivity that locks you to one rail.
Track record
Teams that already run systems we built.
Selected clients. Logos link to the case studies.
References available on request.
In their words
What it is like to work with us.
01
We had the pleasure of working with Tri and his exceptional team. They delivered high quality solutions on time and were instrumental in modernizing our infrastructure.
02
Futurify's professionalism contributed significantly to our initiatives. Their dedication to execution, verification and validation was above and beyond what we expected.
03
Working with the Futurify team has been an exceptional experience. They are always available when we need them and consistently deliver high quality work on time.
04
Futurify demonstrated exceptional professionalism, technical expertise, and industry knowledge. A phenomenal partner who is proactive and responsive to our needs.
FAQ
Common questions about the payment layer.
Straight answers for platform and payments leads evaluating a client-owned orchestration build. Related: build vs buy · reconciliation · hosted alternatives.
Is Futurify a payment service provider?
No. Futurify is an independent software vendor. We build and run a payment layer that sits in your perimeter, under agreements you already hold with processors and banks. We are not a PSP, a payment facilitator, or a holder of funds. There is nothing to unwind on the money side if you replace us.
What does "not in the flow of funds" mean?
It means we do not take custody of customer money, settle merchants, or sit as the licensed party on the rail. Your processor and bank relationships stay yours. The layer routes, records, reconciles, and operates the software path. The funds path stays with the providers you contracted.
Who is this payment layer for?
Platforms and ISVs that already have a funded payments project and a date: replace a processor, add a rail, ship a ledger that balances, close a reconciliation gap, or monetise payment volume without hard-wiring a single vendor. If you are shopping for a general technology partner with no cutover date, this page is the wrong door.
How is this different from buying Stripe, Adyen, or another processor?
Processors move money. The payment layer sits above them. You keep the processor contract. A processor change becomes a configuration change rather than a second discovery project. We wire a second processor into every build so you are not locked to one rail.
How is this different from hosted orchestration products?
Many orchestration products are multi-tenant SaaS: you integrate to their cloud, they hold the routing product, and your leverage sits inside their contract. Our default is client-owned: the layer runs in your infrastructure, you own the instance, configuration, data and event log, and you keep the processor relationships.
Build vs buy: what are we actually buying?
Three things, in order: Build — fixed price, milestone invoiced, for a scoped cutover or layer. Run — monthly fee per account to operate what we built (ask for the current ladder; no invented public number). Partner disclosure — if a processor pays us a referral or integrator credit, you hear it before we recommend them.
What happens to fees and partner money?
You keep your payments margin. We do not take a share of it as the core model. Build and Run are engineering fees. Some processors pay Futurify a referral fee, listing, or integrator credit when we introduce a qualified platform and do the integration. We disclose that before we recommend a processor. Integrator credits pass through to reduce your invoice where that is how the credit works.
Can you migrate us off our current processor?
Yes. That is a common trigger: a dated cutover, merchants to move, settlement reporting that has to carry your business identifiers, and a day-one plan for what stays live. The layer is provider-agnostic so the next processor is not another greenfield project.
How does reconciliation work?
Insert-only double entry where it matters. Exceptions with a named owner. Exports finance can trust. The point for a platform is knowing which payment is unmatched, who owns it, and what the provider record says—without a weekend archaeology project when support tickets arrive.
Do you support Interac and multi-rail routing?
The layer is built to route across processors and rails without hard-wiring a single vendor. Canadian platforms often need cards plus bank rails (EFT/PAD, Interac e-Transfer) rather than card checkout alone. Which rails ship in your build depends on your scope and the providers you hold. We do not publish a bank partner list on this page.
What do we own at the end?
You own the instance, configuration, data and event log. Futurify owns the reusable core under a perpetual license for you to run it. You keep the processor contract and the spread. We never register as your payment provider.
What does a first conversation look like?
Tell us what you are integrating and the date it has to land. No pitch deck. No claim we cannot source.
Next
Tell us what you are integrating and the date it has to land.
No pitch deck. No claim we cannot source. Bring the processor, the rail, and the cutover date—we will tell you honestly if a client-owned payment layer is the right build.