Payments Architecture
End-to-end design across processors, wallets and payout rails, with the failure paths mapped as carefully as the happy path.
Aura Solutions Co.
Payments infrastructure that survives the audit.
Miami-based fintech and payments consulting for companies moving other people's money — built around reconciliation, compliance and uptime.
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Payments look simple from the outside. A customer pays, the money arrives, everyone moves on. Inside, it is a queue of retries, holds, chargebacks and partial settlements that has to balance to the cent every single day — and usually doesn't.
Aura Solutions Co. was built in Miami to work on that interior. Ethan Caldwell founded the practice after years on the implementation side of payments and treasury systems, where the distance between a processor's documentation and its actual behaviour is impossible to ignore. That experience made us stubborn about one thing: every integration we design has to reconcile before it ships.
We work with fintechs, marketplaces and payment facilitators across South Florida and Latin America. Engagements typically run six to twelve weeks and end with a reconciled ledger, a documented control set, and a clear view of what breaks first at ten times the volume.
Our Expertise
Six areas where we do our most useful work for Miami fintechs.
PCI & Compliance Readiness
Scope reduction, evidence gathering and control design ahead of assessment, so the audit confirms what you already know.
Ledger & Reconciliation
Double-entry ledger design and automated reconciliation that closes daily instead of accruing a quarterly mystery.
Processor Migration
Moving between providers without dropping in-flight transactions, stranding tokens or losing stored credentials.
Fraud & Risk Controls
Rules, velocity limits and review queues tuned against your actual loss data rather than a vendor's defaults.
Licensing & Partner Banking
Practical preparation for sponsor-bank and money-transmitter diligence, including the questions that stall applications.
Our Approach
- We reconcile before we shipAn integration that doesn't balance in staging will not balance in production. That is the gate everything passes through.
- We design for the failure pathTimeouts, duplicates and partial settlements are the normal case at scale, not the exception. They get specified first.
- We write the control downAuditors and sponsor banks ask for evidence, not intent. Every control we design ships with the documentation attached.
- We stay reachableNinety days of follow-up included, because the interesting problems arrive with real volume.
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