Strategy and Solutions
The client was a leading online retail marketplace operating across the U.S. and Europe, known for its extensive catalog of apparel, lifestyle, and home products. With nearly 7 million monthly active users and a rapidly expanding seller ecosystem, the company was prepared for global growth—but its payment infrastructure wasn’t.
International customers faced repeated checkout failures due to unsupported payment methods, high FX fees, slow processing times, and inconsistent authorization rates. LATAM and APAC markets, in particular, showed strong traffic but poor conversions. The company recognized that without a purpose-built payment gateway optimized for cross-border commerce, international expansion would stall.
The client partnered with Zymr to design a custom, PCI DSS–compliant global payment gateway, engineered for speed, fraud reduction, local preferences, and seamless omnichannel experiences—all without disrupting the millions of transactions already happening on the platform.
The discovery phase revealed systemic limitations affecting conversion rates, fraud exposure, and operational performance.
High Cart Abandonment in LATAM & APAC
Customers in emerging markets rely heavily on region-specific methods like:
Slow Cross-Border Transaction Speeds
International payments were routed through the client’s U.S. processor, causing:
This slowed mobile checkout and directly harmed the user experience.
Rising Chargebacks and Fraud
The existing processor lacked:
This resulted in rising chargeback rates and payment disputes, with fees mounting each quarter.
Lack of Payment Data Visibility
The platform had no way to examine:
Optimization was guesswork rather than data-driven.
Incomplete PCI DSS Alignment
Rapid scale exposed gaps in:
The company risked non-compliance as transaction volumes increased.
Zymr’s custom-engineered payment gateway enabled the e-commerce platform to become a truly global marketplace. By addressing cross-border friction, compliance requirements, fraud risk, and payment localization, the client unlocked new revenue, improved operational efficiency, and positioned itself as a regional leader in international commerce.
The new low-latency architecture and optimized payment flows significantly accelerated the checkout experience, especially on mobile.
Stronger fraud controls + better risk scoring reduced fraudulent disputes.
Local acquiring and payment method support dramatically increased acceptance in LATAM and APAC.
Localized flows, transparent conversion, and higher transaction reliability improved user confidence.
Local processing slashed FX fees and made payouts faster for sellers.
Reduced chargebacks and local routing decreased operational and finance overhead.
Future expansions into the Middle East and EU required minimal additional engineering.
Sellers benefited from faster settlement cycles and fewer failed international transactions.
Zymr delivered a custom-engineered, PCI DSS–compliant global payment gateway designed to reduce friction, expand local acceptance, and strengthen fraud defenses.
1. Custom Global Payment Gateway Architecture
Zymr built a modular gateway using:
The gateway was built to support:
It functioned as a single orchestration layer, abstracting complexities from the e-commerce platform.
2. Local Payment Method Enablement for LATAM & APAC
Zymr integrated 20+ local methods, including:
This allowed shoppers to pay using regionally preferred flows, dramatically reducing checkout friction.
3. Cross-Border Routing & Local Acquiring
Zymr introduced intelligent routing rules based on:
We added local acquiring banks in LATAM and APAC to boost success rates and cut FX fees.
Benefits included:
4. 24/7 Real-Time Fraud Detection Engine
Fraud detection used:
The engine responded in under 100ms, ensuring no added friction for legitimate users.
5. Checkout Optimization and UX Redesign
Zymr rebuilt the checkout flow with:
This reduced checkout steps from 5 to 2 for mobile.
6. PCI DSS Level 1 Compliance
Zymr helped the platform achieve full compliance by implementing:
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