HASL
Anonymous · regional fintech · platform

Acquiring migration — fintech cutover

Regional fintech migrated from a legacy acquiring stack to a modern dual-provider setup with no merchant-visible downtime and clean reconciliation from day one.

HASL og-consultations
— problem

The blocker

Legacy acquiring vendor was holding the business hostage on rates and downtime. Migration looked simple in slides — until you counted 14 different webhook flows, 3 ledger schemas that did not match, and a chargeback workflow tied to support tooling that nobody had documented.

— solution

What we built

  • Dual-provider integration with full webhook parity (idempotent on both sides).
  • New settlement + reconciliation pipeline writing to an auditable ledger.
  • Chargeback workflow rebuilt and connected to support tooling — disputable, not dispute-blind.
  • PCI-DSS scope assessment + remediation backlog handed to client compliance team.

Outcome

Cutover completed in week 11 with zero merchant-visible downtime. Daily reconciliation has been 100% since go-live. The chargeback win rate doubled in the first 60 days because disputes were no longer ignored by default.