Skip to content

Platform

One integration, six modules

Mirage Gateway is designed as composable payment infrastructure rather than one monolithic service. Each module has a boundary, a contract and a reason to exist independently — which is also what makes it possible to keep the part that touches card data small.

In development — no module is in production

State of the work

Modules designed
Six. Five are engineering work; Wallet is a regulatory question.
Modules deployed
None. No component is running or callable.
Dependencies
No other product's database, no shared credential, no inherited access.
Removable
Independently, without disturbing any other Mirage service.

The shape of the system

Payment data enters one isolated environment and does not leave it. Everything downstream operates on tokens, states and accounting events.

Card data enters here

  • Merchant checkout
  • Marketplace / platform
  • Invoice or booking

Isolated payment environment

planned scope

Vault

Holds the account data

Key management

Hardware-backed, separated duties

Everything inside this line is designed to be as small as it can be. Every system added to it has to be assessed, monitored and defended.

What everything else receives

tokenbrandlast fourexpirystatusamountprocessor reference

Never a card number, never a security code.

  • SaaS platforms
  • Marketplaces
  • Finance systems

Diagram · Intended architecture. Every element shown is in design; none is deployed.

The modules

Five are engineering work with a planned sequence. Wallet is not, and is drawn apart from the others for that reason.

Vault

Planned

Secure payment-account vaulting and tokenisation. Isolates cardholder data so ordinary applications hold a token and masked metadata instead of a card number.

More on Vault

Intended capabilities

  • Token and reference model in place of stored card numbers
  • Masked metadata — brand, last four, permitted expiry
  • Tenant-scoped token boundaries
  • Cryptographic key lifecycle under a documented policy
  • Immutable access and audit logging
  • Retention and deletion rules per tenant

Gateway

Planned

A normalised API for payment operations, so that an integration is written once rather than once per processor.

More on Gateway

Intended capabilities

  • Authorize, capture, partial capture
  • Void, refund, partial refund
  • Payment status retrieval
  • Payment links and hosted payment flows
  • Credential-on-file workflows where network rules permit
  • Idempotency and retry protection on every mutation

Orchestrate

Planned

Processor, acquirer and payment-method abstraction, with routing and failover expressed as policy rather than as branching in each caller.

More on Orchestrate

Intended capabilities

  • Processor abstraction behind one contract
  • Configurable routing policy
  • Health-aware failover
  • Normalised reconciliation evidence
  • Per-merchant processor preferences

Billing

Planned

Subscriptions, usage-based billing, invoicing and recurring-payment logic built on the same payment primitives.

Intended capabilities

  • Subscriptions and recurring schedules
  • Usage and metered billing
  • Invoicing integrations
  • Credits, coupons and discount rules
  • Dunning and automatic retries
  • Sanitised revenue events for finance systems

Connect

Planned

The developer and merchant integration layer: APIs, webhooks, SDKs and processor connections.

More on Connect

Intended capabilities

  • REST APIs with service identities
  • Signed webhooks with delivery evidence
  • Sandbox environment
  • Merchant and platform integrations
  • Integration diagnostics

Wallet

Future — regulatory gate

Organisation-level balances, credits and prepaid funds. Held behind a regulatory gate — stored value changes what the business is, not just what it does.

What it would require first

  • Requires federal MSB and money-transmitter analysis
  • Requires state licensing analysis
  • Requires a partner-bank or acquirer structure
  • Requires an AML, KYB and sanctions programme
  • Not in development, and not scheduled

Independence is a design constraint, not an aspiration

Mirage Gateway is a peer product in the Mirage ecosystem, not a component of any other product. That has concrete consequences.

No private database reaches across a product line

Mirage Gateway does not read another product's tables, and no other product reads its own. Integration happens through explicit contracts, so that a schema change in one system is not an outage in another.

Identifiers are its own

A processor's identifier is never the internal identity of a merchant, customer, payment or token. External references are mapped explicitly, which is what makes it possible to change processor without rewriting history.

Independently deployable and removable

The service can be deployed, rolled back or removed without disturbing any other Mirage service — and the same is true in reverse.

Card data does not spread

No card number in the event bus, in analytics, in logs, in a support tool, or in any product database. This is a boundary the architecture enforces rather than a habit the team maintains.