Future-Ready Modernization: Unifying Fragmented Merchant Applications for a Leading Payment Processor

Over decades of acquisitions and organic growth, a leading U.S.-based payment processor had accumulated multiple legacy merchant applications. While these systems functioned independently, they were never designed as part of a single merchant platform. Core workflows were distributed across separate applications, compounding operational complexity, maintenance effort, compliance scope, and risk.

Client Challenges and Requirements

• Increased risk of change — core merchant workflows distributed across multiple systems made changes harder to coordinate.
• Delayed revenue realization — onboarding new merchants took approximately three weeks.
• Operational and maintenance overhead — multiple codebases, databases, and infrastructure stacks required parallel maintenance.
• Compliance scope expansion — each merchant application carried its own PCI-DSS footprint.
• Zero tolerance for disruption — any changes had to preserve uninterrupted payment processing.

Bitwise Solution

• Consolidated key merchant-facing capabilities from OnTrack and Omaha into a single platform on Google Cloud Platform (GCP).
• Leveraged GCP services including Cloud Run, Cloud SQL, and Pub/Sub to support scalability while meeting PCI-DSS requirements.
• Delivered consolidation in phases — starting with transaction reporting, followed by settlements and dispute workflows.
• Enabled embedded analytics and real-time alerts within core merchant workflows.