Secure Card Payment Orchestration

I need a single orchestration layer that can process Visa, Mastercard and American Express transactions for both my web checkout and native mobile apps. The flow must be protected with strong data encryption end-to-end and handle multiple currencies because our customers buy from several regions.

Here’s what I am after:

• A self-hosted or cloud-deployable gateway that exposes clean REST/JSON endpoints for authorise, capture, refund and void operations.
• Built-in tokenisation so no raw card data ever touches my front-end.
• Configurable routing logic (primary and fallback acquirers).
• Detailed, exportable logs plus webhooks for real-time transaction updates.
• Full technical documentation and a Postman collection so my team can plug it straight into our React/Swift/Kotlin codebases.
• Automated tests that cover success paths and common declines.

Acceptance criteria

• I can run test Visa, Mastercard and Amex numbers against a sandbox you provide and see authorisation, settlement and refund behave correctly.
• All sensitive fields are encrypted at rest and in transit with recognised industry algorithms.
• Currency code and FX rate parameters are respected in every request, with accurate amounts returned.
• Deployment instructions work start-to-finish on a fresh environment without manual tweaks.

Let me know which language or framework you prefer (Node, Java, Go, etc.) and any third-party services you plan to use so we can evaluate compliance and latency.