Payments Desk

Payment orchestration software

Route every payment to the right provider. On your own servers.

Payments Desk is routing software for payment businesses. You install it, connect your own provider accounts, and decide with clear rules which provider takes each payment: by method, country, currency and amount.

See it running See how it works

Licensed software. Northlight never sees your transactions.

Payment

999.00 INR

UPI · buyer in India

Payments Desk

Rule: UPI (India)

Weighted split, fallback ready

Provider A

Selected

Provider B

Next in line

Provider C

Unavailable: skipped

Every decision is recorded with the rule that made it, so you can always explain why a payment went where it did.

What it does

One place to run payments across many providers and methods, with the controls a payment business needs.

Rule-based routing

Send each payment by method, country, currency, amount, brand and merchant. Priority lists or weighted splits, with test runs before you publish a change.

Automatic failover

If a provider is down, the next eligible one takes the payment. If a provider does not answer in time, the payment is held instead of risking a double charge.

Hosted checkout

Buyers pay on the provider's own page. Card details go to the provider, never through Payments Desk.

One outcome per payment

Signed provider notifications are checked and applied exactly once, even when they arrive twice, late or out of order.

Full payment timeline

See every payment's route decision, each attempt and every event in order. Routing changes are versioned and audited.

Merchant API

Your merchants create payments with their own API keys. Repeated requests never create duplicate payments.

How it works

1

Install it

Run Payments Desk on your own Linux servers from a signed release. A guided installer sets up the database, sign-in and your licence.

2

Connect your providers

Add your merchants and the provider accounts you already hold. Your contracts and credentials stay yours.

3

Route with rules

Write a routing policy, test it against sample payments, publish it, and roll back in one step if needed.

Global and local methods

A provider and method catalogue built to grow to hundreds of providers. Local methods are offered only where they work.

Each provider integration is tested and signed off on that provider's own sandbox before it is available.

Cards Google Pay Bank transfer UPI · India GCash · Philippines Opay · Nigeria Other local methods Crypto via licensed gateways

Your servers. Your data.

Payments Desk is software you license, not a service you hand your payments to.

  • You run it. Installed on your infrastructure, upgraded manually, never remote-controlled.
  • No payment data leaves. The only call home is a licence check. It carries no transactions, merchants or card data.
  • Keeps working offline. If the licence service is unreachable, payments keep flowing through a grace period.
  • Tamper-evident audit trail. Setting and routing changes are recorded in an append-only, hash-chained log.

On the roadmap

Planned, not yet available.

Merchant and agent portals Settlement reconciliation Agent commissions KYC, KYB and screening workflows Fraud rules White-label branding

See it running

A live demo on demo data: routing, provider pages and the payment timeline. No real money moves.

Open the demo (sign-in required)

Access is by invitation. Ask your Northlight contact for a demo login.