Bluecoltan
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FINTECH & PAYMENTS

Payments engineering, across the full transaction lifecycle.

Bluecoltan designs, builds, integrates, and supports fintech and payment-processing systems for enterprise clients in the United States and Latin America, led by 15+ years of payments architecture and engineering leadership.

Talk to a payments architect See capabilities
  • VISA
  • MASTERCARD
  • AMEX
  • DISCOVER
  • ACH
  • PCI DSS

CAPABILITIES

Deep across the payments stack.

From the terminal in a merchant’s hand to the settlement file at the end of the day: architecture, integration, certification, and production support.

  • 01

    Payment processing & architecture

    Scalable payment platforms, payment switches, orchestration layers, APIs, microservices, and high-availability transaction processing.

  • 02

    Card-present & card-not-present

    POS, e-commerce, virtual terminals, and manual card entry across all major card networks.

    • Visa
    • Mastercard
    • Amex
    • Discover
  • 03

    Gateway & processor integrations

    Gateway platforms plus processor-facing APIs and transaction- and file-based integrations.

    • Cybersource
    • Worldpay
  • 04

    POS & payment terminals

    Terminal integration, network certification, provisioning, encryption, and terminal-to-processor transaction flows.

  • 05

    Security & PCI

    PCI DSS compliance, tokenization, encryption, KSN/key-management workflows, HSM-related security, and secure card-data handling.

    • PCI DSS 4.0
    • Tokenization
    • HSM
  • 06

    PayFac & merchant services

    Payment Facilitator architecture and operations, merchant onboarding and configuration, risk and compliance workflows.

  • 07

    Settlement & reconciliation

    Payment-file processing, SFTP and encrypted transaction files, chargeback files, and discrepancy investigations.

  • 08

    Open finance & banking

    APIs and financial infrastructure connecting enterprise platforms with banking and financial systems.

  • 09

    ACH & alternative payments

    Payment applications supporting ACH alongside traditional card processing.

  • 10

    Fraud, risk & compliance

    Transaction monitoring, merchant risk, fraud detection, and secure financial operations.

  • 11

    Loyalty & stored value

    Gift-card processing, loyalty integrations, and tokenized payment methods.

AI FOR FINTECH

AI where payments operations actually hurt.

We apply AI and automation to the manual, high-volume work behind every payments business, with the audit trail the domain demands.

  • Transaction reconciliation
  • Anomaly detection
  • Merchant onboarding & KYB
  • Payment operations & support
  • Settlement analysis
  • Payment-device monitoring
Kevin Reyes

Kevin Reyes

CEO & FOUNDER

LED BY PAYMENTS EXPERIENCE

15+ years building the systems that move money.

Kevin Reyes has served as Director of Payments and Software Engineering at a leading US payments company, leading the teams responsible for its payment infrastructure and enterprise payment products, from payment switches and merchant services to network certifications, PayFac programs, and complex production transaction investigations.

Through Bluecoltan, Kevin extends that expertise to clients through fintech consulting, payment architecture, custom software, systems integration, AI, cloud engineering, and specialized fintech staff augmentation.

TRACK RECORD

  • 01

    A full transactional switch, built from zero

    Architected and delivered an end-to-end payment switch (routing, authorization, and settlement) from a blank page to production.

  • 02

    Multiple POS certified on every network

    Took multiple point-of-sale solutions through certification with all major card networks.

  • 03

    From Worldpay-dependent to its own PayFac

    Transformed a payment processor that routed through Worldpay into an independent Payment Facilitator.

ALSO LED

  • PCI DSS 4.0 and processor certifications
  • Unified merchant onboarding
  • Merchant-service platforms
  • Payment-infrastructure migrations without interrupting processing

THE TRANSACTION LIFECYCLE

Every state a payment can be in. We’ve built for all of them.

  1. 01Authorize
  2. 02Capture
  3. 03Return
  4. 04Settle

Card-present and card-not-present flows (POS, e-commerce, virtual terminals, and manual entry) across every major card network.

  • AUTHAuthorizationREAL-TIME
  • PREPre-authorizationHOLD
  • INCIncremental authorizationEXTEND

Adjust, capture, or cancel with idempotent operations that never double-charge and never lose a transaction.

  • ADJAdjustmentTIP / AMOUNT
  • CAPCaptureFINALIZE
  • VOIDVoidPRE-SETTLE

Refunds and reversals handled cleanly across gateway, processor, and your own ledger.

  • REFRefundPOST-SETTLE
  • REVReversalNETWORK

Settlement validation, file-based reconciliation, and chargeback processing, including tracing discrepancies between POS, platform, and processor.

  • STLSettlementBATCH
  • RECReconciliationTO THE CENT
  • CBKChargebackDISPUTE

HOW TO ENGAGE

Building or fixing a payments platform? Bring us in at any layer.

  • Fintech consulting
  • Payment architecture
  • Custom software
  • Systems integration
  • AI & automation
  • Cloud engineering
  • Fintech staff augmentation
Talk to a payments architect