Challenges
FX volatility exposure between initiation and settlement
PCI DSS scope creep across microservice boundaries
Fraud rate exceeding 2.1% on card-not-present transactions
Our Solution
✦Real-time FX hedging via liquidity partner API with rate lock
✦Tokenization service isolating cardholder data to single PCI scope
✦3DS2 with device fingerprinting and behavioural velocity checks
Results
✓FX loss exposure reduced to under 0.05%
✓PCI DSS Level 1 certified in 14 weeks
✓Fraud rate reduced to 0.18%