Worldwide Gateway for Payment Processing
Cards · UPI · Wallets · Zero Downtime
One gateway. Every payment method.
Worldwide processing at scale.
bRUID wGate is a worldwide payment gateway that processes card, UPI, wallet, and bank-transfer transactions through a single API. A smart routing engine selects the optimal acquirer per transaction, fails over automatically, and hands authentication to biometric-ready 3-D Secure - delivering high authorization rates with zero-downtime architecture.
Authorize / Capture / Refund
Acquirer selection & success-rate routing
Cards · UPI · Wallets · Banking
24/7 Availability
Biometric-Ready Authentication
Accept payments however your customers want to pay. bRUID wGate normalises cards, UPI, wallets, and bank transfers behind a single integration - the routing engine picks the best path for every transaction.
Credit and debit across major schemes. EMV 3-D Secure authentication with biometric cardholder verification via bRUID ACS.
Real-time UPI collect and intent flows, ONDC-compatible, with biometric authorization through the ICBA framework.
Mobile wallet acceptance with tokenized credentials - one integration covers the major wallet providers per market.
Direct bank transfers and net-banking rails with automated status polling and reconciliation-ready settlement records.
The transaction-routing engine at the heart of bRUID wGate. Every payment is scored and routed to the acquirer with the best authorization odds - by success rate, cost, scheme, and issuer - with automatic retry on the next-best route when a path fails.
Live authorization-rate tracking per acquirer, scheme, and issuer BIN drives every routing decision.
Acquirer degraded or declining? The engine retries on the next priority route - no manual intervention, no lost sales.
Per-merchant rules for preferred acquirers, currency handling, and method priorities - applied before every routing decision.
Authentication is handled natively with bRUID ACS - EMVCo 3DS 2.3 with issuer-controlled biometric cardholder verification. No OTPs to intercept, no PINs to forget.
Cardholder verified by fingerprint via the ICBA framework - not by OTP
bRUID rEngine scores every transaction for frictionless-flow eligibility
EMVCo 3DS 2.3.1 across major card schemes, ready for regional mandates
Challenge unavailable? Configurable fallback flows keep authorization moving
JWT-authenticated, idempotent APIs for authorize, capture, refund, and status. Webhooks for every state change. GUID tracking on every transaction.
Card credentials replaced with network and gateway tokens at first touch. Sensitive data never reaches merchant systems - shrinking PCI scope.
Multi-acquirer connectivity with per-scheme and per-market configuration, health monitoring, and approval-based route switching.
bRUID rEngine screening on every transaction: velocity rules, device signals, and behavioural scoring with configurable decline and review thresholds.
Automated settlement files, fee breakdowns, and three-way reconciliation across gateway, acquirer, and bank records - with exception alerts.
Multi-tenant merchant onboarding with three-tier access control, transaction search, refund workflows, and MFA-protected portal login.
Microservices orchestrate the full transaction lifecycle - from API ingestion through authentication, routing, and settlement - on auto-scaling cloud infrastructure with queue-isolated pipelines.
API ingestion & validation
3DS & biometric challenge
Acquirer selection
Credential tokenization
rEngine transaction scoring
Batch capture & payout
Three-way matching
Acquirer status tracking
Merchant notifications
Health & alerting
Defense-in-depth built for regulated payment processing.
Certified processing
Encrypted in transit
bRUID Kms managed
OWASP Top 10 defense
One integration for cards, UPI, wallets, and bank transfers - with smart routing and biometric authentication built in.