Shopify Inc.
PAYMENT GATEWAY DISINTERMEDIATION

Abstract:

A computer-implemented is disclosed. The method includes: receiving a first payment request for a merchant transaction from a first e-commerce platform; identifying a destination gateway associated with the merchant at a second e-commerce platform; and processing the first payment request for the merchant transaction from the first e-commerce platform using the destination gateway associated with the merchant at the second e-commerce platform, the processing including: obtaining one or more data modification parameters for the destination gateway, the one or more data modification parameters stored in association with the merchant by the second e-commerce platform, generating a second payment request based on a data payload associated with the first payment request and the one or more modification parameters for the destination gateway, and sending the second payment request to the destination gateway.