Custom Payment Hub Builds
for Operators Tired of PSP Lock-In
You've been pitched FIS, Modulr, Form3, Volante. Each one wants 6-figure annual minimums and a 9-month integration timeline. Katie builds the custom routing layer you actually need — Stripe + Adyen + ACH + FedNow + RTP — owned by you, deployed on your infra.
Who this is for
- VP Payments at a $10M-$500M operator who needs 2+ rails working together
- Treasury teams forecasting FedNow / RTP rollout but not yet ready for FIS pricing
- Marketplaces handling vendor payouts on one rail and customer collections on another
- Anyone whose finance team reconciles 3 dashboards manually every morning
What Katie ships
🔀 Multi-rail routing logic
Decision tree: amount · destination · speed-need · fee-floor. Card, ACH, FedNow, RTP, wire — picked at transaction time, not pre-committed.
🔁 Failover & retry
Stripe down? Automatic fallback to Adyen. ACH return? Retry rules without re-prompting the customer.
📊 Unified reconciliation
One dashboard, all rails. Match deposits to customers across PSPs without a treasury analyst hand-keying.
🏛️ Compliance-ready logging
SOC 2 audit trail · PCI scope minimization · BSA/AML hooks where required. Built for the auditor, not against.
Pricing tiers
| Tier | What you get | Cost |
|---|---|---|
| Architecture Audit | 5-day review of current payment flows · rail-fit recommendations · honest build-vs-buy call | $250 one-time |
| Routing MVP | 2-rail orchestration layer · failover logic · reconciliation dashboard · owned-by-you handoff | $10,000-$25,000 (4-8 weeks) |
| Full Hub Build | 3-5 rail integration · compliance hooks · treasury reporting · ongoing maintenance contract | Custom quote |
No annual minimums. No per-transaction kickbacks. You pay for the build, you own the code.
Timeline
One sentence on which rails you're stitching and what's breaking.
Current flows mapped · gaps identified · honest scope.
2-rail decision logic deployed to your staging. Real transactions tested.
Dashboard live. Failure modes covered. Treasury team trained.
You own the repo. Maintain in-house or stay on retainer for new rails.
Tell Katie which rails you're stitching
Text PJ with one sentence about your current payment stack and what's not working. Katie will reply with a plain-language architecture scope inside 24 hours.
Text PJ · 858-461-8054Last updated: 2026-05-19 · SideGuy Solutions · Clarity before cost.