Global Intelligence. Composable Architecture.
One architecture.
The Freedom of Choice Meets the World’s Most Comprehensive Network Intelligence.
Hellgate’s Composable Payment Architecture (CPA) is an infrastructure-first suite of independent components designed to plug into your existing stack.
By integrating Visa (Acceptance) Solutions directly into our CPA, we empower global enterprises to build flexible, scalable, and secure payment solutions that adapt as the market evolves.
About
Whether digital, physical, or mobile-first, Visa sits at the core of modern commerce experiences worldwide. With global acceptance across 200+ countries and territories, Visa enables platforms to operate securely, optimise performance, and grow internationally.
200+
countries & territories
160+
currencies
300bn+
transactions per year
130m
merchants locations
The Challenge
Legacy infrastructure meets the era of "Agentic Commerce."
Modern enterprises are facing a paradigm shift in how global commerce is conducted. As AI-driven shopping tools and autonomous agents redefine buyer behavior, the underlying payment architecture remains stuck in a rigid, one-to-one integration model.
Merchants today are forced to balance three competing priorities:
Sovereignty
The need to own their customer data and payment tokens independently of any single acquirer or gateway.
Agility
The demand to build, test, and deploy sophisticated payment rules—like split-routing or multi-factor risk checks—at the speed of a software release, not a hardware overhaul.
Intelligence
The requirement for real-time, global fraud signals to protect margins without blocking legitimate high-value shoppers.
The Pain Without Us
Fragmented systems lead to friction, lock-in, and lost revenue.
Without the combined power of Visa Acceptance Solutions and Hellgate’s Composable Architecture, global merchants face significant operational hurdles:
Vendor Lock-in & Data Silos: When your tokens are tied to a specific provider, switching costs are astronomical. You lose the freedom to negotiate with acquirers and banks or migrate to more efficient processors.
The "False Positive" Tax: Rigid fraud tools lack the global behavioral insights of the Visa network. This results in "insult rate" declines where loyal customers are blocked, directly impacting your bottom line and brand reputation.
Engineering Gridlock: Implementing a new capability—such as Network Tokenization or a new Risk engine—requires months of manual development. By the time you deploy, the market has already moved.
Compliance Complexity: Managing PCI-sensitive data across multiple regions and partners creates an immense administrative burden and increases the surface area for security risks.
Static Checkout Experiences: You are limited by the lowest common denominator of your current providers' capabilities, making it impossible to orchestrate sophisticated, high-basket flows that premium customers expect.
The Solution: A New Architecture for Control
Hellgate® CPA acts as your infrastructure layer, integrating Guardian (Tokenization), Hub (Orchestration), and Specter (Intelligence) into a programmable fabric. By leveraging Visa Acceptance Solutions (TMS and VDM) through this architecture, you gain the security of a global leader with the flexibility of a fintech.
Why Hellgate x Visa?
nfrastructure of Control
Free your business from being dominated by a few payment vendors by owning your architecture.
Global Reach
Tap into a robust ecosystem live across Europe, the Americas, Africa, and APAC.
Enterprise Speed
Add new Visa capabilities in minutes without heavy integration lifts or touching production code.
Data-Driven Decisioning
Leverage insights from more than 269B annual transactions across the broader Visa ecosystem.
Guardian (Powered by Visa TMS)
Independent Token Management:
Delivers network token management and harmonized payment schemas that enable streamlined migration across any Acquirer.
Universal Access:
A single point of integration for network tokens across all major card brands, including Visa, Mastercard, Discover, and Amex.
Authorization Uplift:
Successful transactions have seen an uplift of approximately 5% while fraud has been reduced by 50% since 2023.
Enhanced Security:
Securely manage multiple points of customer data through the Visa Secure Credential Framework (SCP), keeping your business free from PCI complexity.
Supports Inbound Tokenization
Aautomatically transforming PAN data
Does not create pseudoPAN data
To avoid lock-in scenarios
Hub (The Orchestration Fabric)
Composable Flow Engine:
A programmable engine that links acquirers, PSPs, and intelligence tools into one coordinated system.
Designed for progressive enhancement:
The CPA design enables clients to plug orchestration features into an existing stack, enabling an observe -> enhance -> optimize path rather than forcing clients to follow a "rip and replace“ approach.
Dynamic A/B routing:
Allows merchants to distribute traffic between different Acquirers based on dynamic (and external) routing rules (i.e. risk exposure or auth-rates).
Advanced Use Cases:
Identify specific segments (based on cost, success rate or geography) and build data-driven routing.
Specter (Powered by Visa VDM)
AI-Powered Fraud Layer:
An integration wrapper that analyses every transaction in real-time, automatically blocking bad actors before they reach checkout.
Ground-breaking Accuracy:
Identity behaviour analysis and machine learning models.
Pure Agnostic Solution:
Covers all acquirers, card brands, alternative payment instruments, and both pay-in and pay-out flows.
Neural-Network Intelligence:
Utilizes constantly evolving neural networks that remove the need for manual intervention and deep-dive reviews.
Built for scale
Visa connects the world’s payments through one of the most trusted and widely accepted networks globally — enabling fast, secure transactions across 200+ countries and territories. From ecommerce to in-store and cross-border payments, Visa delivers the scale, security, and performance modern businesses rely on.
Designed for control
Hellgate brings orchestration to the next level. With a composable payment architecture (CPA), you get total control over routing, tokenization, identity, and provider strategy. Move fast, optimize costs, and future-proof your infrastructure - without vendor lock-in.
