01 / The platform
Payment infrastructure, orchestrated.
One layer between your operational systems and the banking network. Built to move money the way modern businesses actually operate.
RIKER ROUTING
Transaction in
Process via MoR
Process
02 / Architecture
Riker sits between your systems and the banks.
03 / Three pillars
What the platform does.
Three layers, working in concert. Each handles a distinct responsibility, together they form Riker’s infrastructure.
01 / Orchestration
Orchestration layer.
Routes the logic of every transaction. Decides who pays what, when, and why. Manages multi-step flows, split logic, and conditional payment routing.
02 / Gateway
Gateway layer.
Captures, tokenizes, and securely transmits payment data. Handles authentication and the secure handoff to processors. PCI-compliant by default.
03 / Security
Security layer.
Tokenization, reduced PCI exposure, fraud signal routing, and risk orchestration. Built so sensitive data never sits where it doesn’t need to.
04 / Transaction lifecycle
From initiation to settlement.
Every transaction follows the same precise path. Each stage is orchestrated by Riker and synchronized in real time with your operational systems.
05 / Capabilities
What Riker can do.
Five core capabilities that power the way modern businesses move money. Each works standalone, or in concert.
01
Unified orchestration.
One layer across services, systems, and transaction flows.
02
Subscriptions.
Recurring billing with proration, retries, and dunning logic.
03
Deposits & pre-auth.
Holds, incremental authorizations, and refundable deposits.
04
Split payments.
Partial payments, split billing, and multi-party settlement.
05
Reconciliation.
Automated matching between transactions and operational data.
06 / Integration model
Built API-first. Connects natively.
API-FIRST
API-first architecture.
Every operation in Riker is available via REST API. SDKs and webhooks complete the integration surface.
CLOUD
Cloud-based infrastructure.
Multi-region cloud deployment with redundancy. No on-prem installation, no maintenance windows.
EVENT-DRIVEN
Event-driven synchronization.
Real-time updates pushed to your operational systems via webhooks and event streams. No polling required.
Once you’re connected, choose the operational model that fits your business.
See operational models ↓
07 / Operational models
Three ways to operate. One platform underneath.
Riker supports multiple operational structures depending on your business model, geography, and processor relationships. Choose the one that fits, or work across several.
01
Merchant of Record (MoR).
Riker is the merchant of record.
What it is
Riker holds the merchant relationship, processes on your behalf, and assumes liability for transactions.
When to choose
You want to launch fast, expand globally, and avoid the complexity of merchant accounts and compliance overhead.
03
Independent Sales Organization (ISO).
Direct merchant relationships, Riker as the rails.
What it is
You hold the direct merchant relationship and underwriting, while Riker provides the orchestration and gateway infrastructure.
When to choose
You have existing merchant relationships and want infrastructure without giving up control of the customer.
Want a deeper look at each model?
Compare operational models →
08 / Security & compliance
Enterprise-grade by default.
Built with security as a first-class citizen. Compliant where it matters, secure where it counts.
PCI COMPLIANCE
PCI DSS compliant.
Data never sits where it doesn’t need to. Tokenization reduces your PCI scope to near-zero.
TOKENIZATION
Tokenized everywhere.
Cards and payment methods stored as tokens. Real data lives only in our vault.
KYC & RISK
KYC and risk handled by acquiring partners.
Underwriting and risk are managed by the acquiring bank or merchant of record, depending on operational model.
GEOGRAPHIES
Live in US, EU, and LATAM.
Operating across three regions today, with active expansion into APAC and additional Latin American markets.
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