Composable payments refers to an architecture-approach where payment infrastructure is built from modular, interchangeable components rather than monolithic platforms. For Hellgate.io, composable payments means customers can select modules such as Guard­ian (security and compliance), Hub (payment hub), Specter (token vault), Commerce (checkout orchestration) and Pulse (analytics/decision-engine), and assemble exactly the stack they need. This flexibility helps enterprises adapt to new methods, markets or channels without being locked into legacy systems.