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Overview

Valorapays is a complete, production-ready Payment Aggregator Platform built with modern microservices architecture. This enterprise-grade solution enables you to launch your own payment gateway business, process millions of transactions daily, and compete with industry leaders like Stripe, Razorpay, and PayU.

Built for scale with 15,000+ TPS capacity and sub-50ms response times, this is not a starter template – it’s a fully-featured payment processing platform ready for production deployment.

Why Choose Valorapays?

Complete Solution – 10 microservices, 3 frontend applications, 1 SDK
Enterprise Scale – Handle 10M+ transactions per day
Smart Routing – AI-powered gateway selection for maximum success rates
Multi-Gateway – Pre-integrated with Razorpay, Stripe, Paytara, and more
White-Label Ready – Full customization and branding support
Fraud Protection – Real-time risk scoring and fraud detection
Modern Stack – NestJS, React, TypeScript, PostgreSQL, Redis

Features

Payment Processing

Multi-gateway payment processing (UPI, Cards, Net Banking, Wallets)
Payment intent system (Stripe-like architecture)
Real-time transaction status updates
Automatic retry and failover mechanisms
Batch payment processing
Refund and chargeback management

Smart Routing Engine

AI-powered gateway selection algorithm
Success rate optimization (40% weight)
Cost optimization (30% weight)
Geographic routing (15% weight)
Time-based routing (10% weight)
Automatic failover (Primary to Secondary to Tertiary)
Bank-specific routing optimization
VIP customer priority routing

Security and Fraud Detection

PCI DSS Level 1 compliance patterns
Real-time fraud scoring
Customer risk profiling (VIP/Warning/Critical/Risky)
Velocity checks and amount anomaly detection
HMAC-SHA256 signature validation
API key management (Live/Test/Dev environments)
IP whitelisting with CIDR support
Rate limiting with Redis

Merchant Portal (24 Pages)

Real-time dashboard with analytics
Transaction management with filters and export
Customer profiles with risk scores
Payout management (instant/scheduled)
Refund processing (one-click/partial)
Chargeback dispute management
Settlement reports
Team management with role-based access
Developer tools (API keys, webhooks, sandbox)
KYC verification workflow
Business settings and preferences

Admin Dashboard (48+ Pages)

Complete merchant management (onboard/approve/suspend)
Dynamic TSP/Gateway configuration
User management with permissions
Platform-wide analytics and reports
Payment operations and interventions
Settlement and reconciliation
Security rules configuration
System settings and feature flags
Support ticket management
Compliance reporting

Wallet and Settlements

Merchant wallet management
Real-time balance tracking
Automated settlement processing
Daily/weekly/monthly settlement cycles
Multi-currency support
Payout scheduling

Analytics and Reporting

Real-time transaction analytics
Revenue tracking and projections
Gateway performance metrics
Success rate monitoring
Custom report generation
Export to CSV/Excel

Developer SDK

Node.js SDK for easy integration
RESTful API with comprehensive documentation
Webhook support for real-time notifications
Sandbox environment for testing
Code examples and integration guides

Technology Stack

Backend

Framework: NestJS 11.x (TypeScript)
Database: PostgreSQL (with sharding support)
Cache: Redis
Queue: Bull Queue
Communication: gRPC (inter-service)
ORM: TypeORM with migrations

Frontend

Framework: React 18+
Language: TypeScript
Build: Vite
Styling: TailwindCSS
API: GraphQL (Admin), REST (Merchant)

Infrastructure

Docker containerization ready
Kubernetes deployment compatible
Horizontal auto-scaling support
Multi-region deployment ready

What’s Included

Source Code

Payment Engine Service
Merchant Service
Admin Service
Wallet Service
Analytics Service
Communication Service
Merchant Portal Frontend
Admin Dashboard Frontend
Payment Pages Frontend
Node.js SDK Package

Database

PostgreSQL schemas
TypeORM migrations
Seed data scripts

Documentation

Installation guide
Configuration guide
API documentation
Deployment guide

Extras

Environment templates
Docker compose files
Sample integrations

Requirements

Server Requirements

Node.js 18+ (LTS recommended)
PostgreSQL 14+
Redis 6+
4GB RAM minimum (8GB recommended)
2 CPU cores minimum (4 recommended)

Development Requirements

npm or yarn
Git
Docker (optional, for containerization)

Business Requirements

Payment Aggregator License (as per your region)
Agreements with payment gateways (Razorpay, Stripe, etc.)
SSL certificate for production

Codebase Statistics

Total Microservices: 10
Backend Services: 6
Frontend Applications: 3
SDK Packages: 1
React Components: 215+
API Endpoints: 200+
Database Entities: 50+
Lines of Code: 100,000+

Changelog

Version 1.0.0 (Initial Release)

Complete Payment Engine with multi-gateway support
Smart Routing Engine with AI-powered optimization
Merchant Portal with 24 pages
Admin Dashboard with 48+ pages
Fraud Detection System
Wallet and Settlement Management
Analytics and Reporting
Node.js SDK
Full API Documentation

Support

Support Included:

6 months of support included with purchase
Bug fixes and technical assistance
Installation help via comments/email

Support Does NOT Include:

Customization or feature additions
Third-party plugin/gateway integrations
Server setup or deployment services

Extended Support: Available for purchase through CodeCanyon

FAQ

Q: Do I need a license to operate this?
A: Yes, you’ll need a Payment Aggregator license from your regional authority (e.g., RBI in India) to process live payments.

Q: Can I add more payment gateways?
A: Yes! The system is designed with a modular TSP (Transaction Service Provider) architecture. Adding new gateways is straightforward.

Q: Is this suitable for high-volume businesses?
A: Absolutely. The platform is built to handle 10M+ transactions per day with 15,000+ TPS capacity.

Q: Can I white-label this for my clients?
A: Yes, the platform is fully white-label ready. You can customize branding, colors, and domain.

Q: What payment methods are supported?
A: UPI, Credit/Debit Cards, Net Banking, Wallets, International Cards (Stripe), and Crypto (Transak).

Valorapays - Enterprise PaymentGateway Platform | Multi-Gateway | Smart Routing | Fraud Detectio