GatewayBridge: Intelligent Payment Routing for Constrained Checkouts
10/10
Demand Score
Processing fees and false declines erode margins and revenue; adding local methods is often blocked by platform limitations.
6/10
Blue Ocean
Competition Level
$299-2k
Price/Month
Predicted customer spend
12 days
Time to MVP
Difficulty: Hard
The Problem
B2B features require third-party apps or high-tier plans
Competitor Landscape
- Spreedly
- Primer
- Paydock
- Gr4vy
- Checkout.com Intelligent Routing
Must-Have Features for MVP
BIN/geography/amount/MCC-based routing rules with A/B testing
Cascading retries and soft-decline recovery
Hosted overlay/pay-by-link flow for constrained checkouts
Local payment methods aggregator (A2A, wallets, BNPL)
Unified settlement and reconciliation exports to ERP
Real-time fee simulation and savings estimator
Chargeback webhook unification and dispute assistant
Network tokenization and card lifecycle management
⚠️ Potential Challenges
- Platform policies around offsite/overlay payments
- SCA/3DS challenges and step-up UX
- PCI-DSS scope and reliance on token vault partners
- Complex reconciliation across multiple PSPs
- Maintaining failover without conversion loss
Risk Level: High
🎯 Keys to Success
- Demonstrable 20–80 bps fee reduction and 2–5% auth uplift
- Minimal conversion drag in constrained-mode (<0.5% delta)
- Fast finance ops via unified reconciliation
- Rapid addition of local methods without platform upgrades
Ready to Build This?
This hard-difficulty project could be your next micro-SaaS success.