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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
through an integration and ledger we built for one client platform, reconciled per member
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 logic — 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
Sample data only — 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.
Sample ops panel — fictional 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 · sample
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 | ||
| Amount on processor settlement file differs from platform capture by $0.03 — rounding on FX conversion. Ops confirms ledger insert; finance reviews export line. | ||||
| 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 webhook from Stripe (example) retry. Layer deduped event log; awaiting confirmation that 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.
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.
Same clients as the main site. 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 has 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.
Next
Tell us what you are integrating and the date it has to land.
No pitch deck. No claim we cannot source.
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