Hellgate® - The programmable infrastructure to create payments experiences ready for the 21st century.

Hellgate® is the comprehensive   technology platform, designed for   sophisticated payment environments

Even though 80% of the use cases can be provided out of the box by our core platform consisting of a Mirco-Kernel and Token Service, extensions allow for the integration of specific and 3rd party code to enable unique customer-specific edge cases.

With Hellgate, we solve the issue for Enterprises and Corporates that need to harmonize standardized processes and custom requirements from affected processes and systems over global business models.

Hellgate can be provided in 2 models - PaaS framework: Merchants use Hellgate as core infrastructure to manage payments including dedicated services; operations can be handled in a shared or dedicated PaaS model. Gateway as service: Starfish operates the gateway and handles the subsequent merchant accounts and requested services.

The gateway itself consists of several micro services that can be set up in different variations and can be divided into stand-alone services. In comparison to existing payment platforms, merchants using Hellgate can use only the dedicated service they need, i.e. a Network Token Master, a PCI Vault, a gateway including a flow matrix that can consume third party logics, our in-car payment wallet and a recon service to harmonize reporting files from several providers. While our competitors have to tie such functions to the use of their entire platform, we offer such services on a decoupled and dedicated basis. In addition, we differentiate ourselves as we offer Hellgate as a PSP but also in a managed service model incl. DevOps resources allowing both sides to profit from custom solutions and our company experience. This is how we transfer payment knowledge into Corporates while providing needed services in parallel. Some main features are:

•Automate even the most complex payment processes •Platform powering sophisticated orchestration scenarios like multi-party app-stores and global acquiring. •Normalized asynchronous processing model for payments from initiation to settlement and refund •Atomic transaction model to support any kind of payment flows including A/B processing & fallbacks •Rule-engine to selectively execute payment flows •Payment credential and customer data management.

TokenRequester, Forward API, In-Car Wallet, Flow matrix

Token Master: is designed to request and manage scheme-based network tokens to process card transactions more secure and faster; NTs also enhance customer experience especially for business models that rely on subscriptions, recurring purchases, regular bookings on a customer payment instrument or scenarios where a stored payment instrument shall be used without asking the card holder for permission (i.e. in-car commerce, upsells in e-commerce, marketplace bookings over several merchants); as our TM is a stand alone service, merchants can profit from Network Tokens without the need to pay for a full payment gateway service. Last but not least we enable Merchants to manage their operations by themselves.

Forward API: through our extensions, we empower merchants to transfer client payment data over several payment providers, securing themselves from Downtimes, dismissal of services or outages. In addition, migrating payment services to another provider is up to 10x cheaper and faster by using our Token Master, empowering the merchant to act independently of payment providers

in-car wallet (version 2.0): the product design follows the principles of FIDO and EMVCo and has been designed together with the worlds most prominent OEMs. It enables OEMs to offer in-car commerce including own and third party services (i.e. parking, digital services, order in-car and pick up) and future use cases (i.e. Plug & Charge EV charging)

Flow Matrix: The Flow Matrix checks each payment intent against a defined set of rules to maximize success rates and cost efficiency and to reduce fraud. Rules are offered out of the box but can also be extended through third party rules and can cover custom use cases.

A Global Commercial Vehicle OEM* Description: The solution includes the provision of our gateway solution Hellgate in a shared-managed model according to DevOps principles on a global basis, with the main focus on the EU (incl. UK), US and Mexico markets. The project includes the connection of the desired payment providers to the platform and an eCommerce marketplace (aftersales), creating a flexible and scalable payment system that meets the client's specific requirements.

Scope and duration: The project started in January 2022 and is still running today. As part of a DevOps setup, five FTEs are continuously involved to ensure smooth operation and further development.

Methodology: The project complies with the PCI DSS L1 Cardholder Data Environment (CDE) standard for the secure handling of cardholder data and is based on a microservice gateway architecture. Starfish provides its own CDE service (Hellgate Token Master) as a service. New payment providers are connected via the Hellgate Processor API. The agile project team works in two-week iterations and plans the tasks on the basis of a backlog, which enables flexible adaptation to changing requirements. The provider's marketplace is based on Spryker and was connected via Starfish.

• under NDA, can be provided upon request

https://hellgate.io/