Paying for fuel at the pump sounds simple. Tap a card, pump the gas, and drive away. Payment processing, however, is far from simple. There’s a routing decision for every card, every station brand, and every payment processor involved. Each decision is made in milliseconds, and when they’re made correctly, you barely notice it happening. For one client’s commerce platform serving national fuel and convenience retailers, that routing logic had outgrown its original system. Coherent Solutions helped rebuild it.
Client: A multinational e-commerce and payments platform.
Industry: Fintech, Energy, and Retail
Challenge: Reverse engineering a client’s original platform architecture and services to build a new platform and integration layer that supports the company’s tokenization system.
Outcome: A single, config-driven platform capable of integrating additional acquirers, banks, and tokenization providers; a dual tokenization approach to migrate acquirers to the client’s new system without disrupting transactions; and idempotency checks to prevent duplicate customer charges and vendor payments.
Coherent’s role: Embedded engineering partner, reverse engineering the existing platform, building a new integration layer, and creating supporting integrations.
The client began as a startup in the early 2010s, building payment technology for fuel retailers. As the business grew, so did the list of banks, acquirers, and tokenization providers it needed to support. Currently, the platform serves some of the largest fuel brands in the industry, with operations spanning the United States, Canada, and New Zealand. Coherent has worked with the client as an engineering partner for over six years. Recently, the client needed to rebuild its original platform to support a new proprietary tokenization system, designed to give the company more control over card security and processing across its network.