Sur Technology Holdings Payment Gateway Modernization
Siblings Software partnered with Sur Technology Holdings to replace a legacy payment engine with a cloud-ready, PCI-compliant platform that could scale to thousands of U.S. merchants without sacrificing user experience or compliance. The engagement blended product discovery, full-stack development, and ongoing optimization delivered by our dedicated engineering team.
Client Snapshot
Sur Technology Holdings provides omnichannel payment solutions for independent sales offices that operate in highly regulated industries. Their growth outpaced the capabilities of their on-premise platform, creating friction for merchants as well as the internal onboarding and risk teams. They asked us to deliver a future-proof gateway, reduce settlement delays, and offer a frictionless experience for web, mobile, and in-store channels.
Our U.S.-based product owner and nearshore engineers co-created a roadmap that blended discovery workshops, compliance reviews, and iterative releases. The program connected seamlessly with Sur Technology Holdings' in-house operations through transparent ceremonies and shared KPIs using Azure DevOps and custom telemetry dashboards.
Engagement Highlights
- Hybrid squad of 8 specialists covering product, UX, full-stack, QA automation, and cloud security.
- 12-week MVP with continuous releases that kept the legacy platform online during migration.
- Joint compliance task force to align with PCI DSS 4.0, FFIEC guidelines, and Nacha ACH network requirements.
Key Outcomes
- 3,000+ merchants activated across the U.S. with white-label onboarding flows.
- USD 160M processed in the trailing 12 months with 99.98% availability.
- 270K transactions handled annually with automated fraud scoring.
- Payment acceptance expanded via QR, ACH, PayPal, and major card brands.
What We Set Out to Solve
- Disparate payment flows slowed down onboarding and increased manual reconciliation.
- Rigid architecture prevented the business from launching new payment products quickly.
- Limited observability led to reactive incident handling and missed service-level targets.
Through discovery sessions we mapped merchant journeys and prioritized items that delivered immediate value, such as unified tokenization services and responsive merchant dashboards built with modern web development practices.
How We Delivered
The solution was architected as a modular, event-driven platform hosted on Microsoft Azure. It combines .NET 7 microservices, Angular-powered portals, and SQL Server elastic pools fortified with Azure Key Vault and Application Gateway WAF policies.
- API-first architecture with REST and webhooks for ISV partners.
- CI/CD pipelines with gated quality checks, automated OWASP scans, and blue/green deployments.
- Data warehouse integration that feeds Power BI risk dashboards in near real time.
- Dedicated sandbox environment for partner validation and QA automation (Cypress + Postman).
Impact Across The Business
Performance, compliance, and operational efficiency benchmarks were tracked jointly through a living scorecard. Within six months of launch the platform outperformed historic trends, shortening merchant activation by 60% and cutting customer support tickets in half thanks to proactive monitoring.
| Metric | Before | After |
|---|---|---|
| Average merchant onboarding time | +10 business days | <4 business days |
| Authorization success rate | 91% | 98.7% |
| Manual reconciliation workload | 4 FTEs | 1 FTE |
Additionally, embedded analytics highlighted cross-sell opportunities that generated a 14% uplift in value-added services. The modern gateway now powers new ventures such as buy-now-pay-later pilots and instant payout capabilities.
What Our Client Says
“The Siblings Software team behaved like an extension of our product organization. Their automation-first mindset and deep payment expertise allowed us to launch a flagship gateway while still supporting daily operations for our sales partners.” VP of Technology, Sur Technology Holdings
Looking ahead, we continue to co-design the roadmap with quarterly alignment sessions and embedded project-based innovation sprints that unlock new value streams.
Ready to Deliver Your Next Fintech Breakthrough?
Whether you are scaling a payment gateway, modernizing core banking, or exploring embedded finance, our specialists can help you accelerate the roadmap with secure, compliant, and user-centered solutions.
Talk with us about reference architectures, regulatory readiness, or co-innovation opportunities tailored to your market.
Service Components Delivered
- Product discovery & UX research for merchant personas.
- Payment gateway engineering with tokenization, recurring billing, and settlement orchestration.
- Cloud infrastructure-as-code, observability, and 24/7 support playbooks.
- Regulatory advisory covering PCI DSS, SOC 2, and state-specific money transmitter requirements.
Need a similar outcome? Explore how our staff augmentation services plug into existing fintech teams to deliver rapid, low-risk transformation.
For more similar cases from Argentina, visit the Argentina case study for this project.