Loyalty Points Payment Gateway

PCI-compliant payment bridge enabling direct loyalty points-to-cash conversions with subscription billing.

The Challenge

Loyalty ecosystem lacked a compliant payment gateway to convert points into real currency with subscription billing support, limiting monetization options for site owners.

The Architecture

Built a PCI-compliant bridge layer between loyalty points system and Stripe APIs, implementing webhook-driven payment processing, multi-currency conversion, and recurring subscription management with automatic retry logic.

The Impact

Enabled direct points-to-cash conversions; processed thousands of transactions with 99.9% uptime; reduced payment friction by 70%.

Technology Stack

PHP

JavaScript

React

WooCommerce API

Stripe API

Code Level Analysis

Stripe Elements integration with custom React components
Webhook signature verification and idempotency handling
Multi-currency conversion engine with exchange rate caching
Subscription retry logic with exponential backoff

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