Today
Month-end reconciliation takes days of manual work
With Bilions
Automatic three-way matching between ledger, processor and bank
Payments, Wallets & Transactional Systems
High-throughput payment rails, stored-value wallets, and settlement engines. Built for volume, auditable under scrutiny, resilient under stress.
How money moves through a system we build.
Each stage is a separate, tested service. Follow a transaction from left to right.
CustomerCard, wallet, ACH
OrchestrationRouting and retries
Fraud checkReal-time scoring
LedgerDouble entry
SettlementBank and processor
- 1
Merchant platforms
Onboarding, KYC, pricing and payouts for merchants.
- 2
Transaction orchestration
Routing across processors with retries and failover.
- 3
Fraud & risk
Rules and scoring that flag suspicious activity as it happens.
- 4
Ledger & settlement
Double-entry ledgers that stay correct under heavy load.
- 5
Reconciliation
Automatic matching between ledger, processor and bank records.
Also included: Wallets & stored value, balances, top-ups, redemptions and gift cards with a clear audit trail.
Why teams call us.
Payment systems fail in expensive ways. A slow ledger, a missed reconciliation or a gap in fraud checks can cost more in a week than the system cost to build.
Today
Settlement delays create support tickets and chargebacks
With Bilions
Real-time settlement status for support and finance teams
Today
Adding a payment method means touching the core ledger
With Bilions
An orchestration layer, so new methods don’t touch the ledger
Typical projects and real results.
- In-game recharge and redemption portal
- Travel payments and payout dashboard
- B2B marketplace invoicing and payouts
- Loyalty and rewards wallet
Rewards Platform for a National Restaurant Chain
Bilions created a customized loyalty platform for a national restaurant chain, integrating it with Salesforce. This enhanced customer engagement, rete…
Read the case study
Who we build this for.
- 01
Fintech and payments teams
Building or replacing core money movement.
- 02
Gaming and entertainment operators
Wallets, recharges and redemptions for players.
- 03
Travel and marketplace platforms
Invoicing, payouts and multi-party settlement.
Security and compliance, built in.
Part of the first sprint, not a checklist before launch.
- PCI DSS aligned architecture with tokenization
- Encryption in transit and at rest
- A permanent audit trail for every balance change
- Fraud monitoring with human review queues
Questions we hear often.
Not answered here? Ask an engineer
Do you build on Stripe or other processors?
Yes. We integrate with Stripe and other processors, and can route across more than one provider for redundancy.
Can you handle stored value and gift cards?
Yes. We built and run NitroPay, a payments platform that handles cards, bank transfers, wallets, gift cards, recharges and stored balances.
How do you test a payment system before launch?
With replayed transaction data, load tests at several times expected volume, and reconciliation checks that must pass before every release.
Other practice areas.
Your first call is with a senior engineer from our team.