Sri Lanka LKR merchant settlement infrastructure

Security

Make the verified state the source of truth

Protect the customer journey and the merchant operation with explicit payment controls.

Start accepting payments

Security is a system of boundaries

The checkout, merchant backend, event receiver, support team, and settlement operation should each handle only what they need.

Customer boundary

Use hosted fields or an approved payment surface so sensitive payment data is not collected by ordinary merchant forms.

Credential boundary

Keep secret credentials on the server, restrict access, and rotate them through a controlled process.

Status boundary

Do not fulfil from a redirect alone. Verify the payment through an authenticated server route.

Event boundary

Validate event authenticity, store event references, and make repeated delivery safe.

Operations boundary

Limit refund and reconciliation access to the people who need it and keep an audit trail.

Merchant readiness

What we review before production

  1. Business

    Company, ownership, products, website, customer journey, fulfilment, and refund policy.

  2. Integration

    Payment creation, return flow, server verification, event handling, and error recovery.

  3. Operations

    Access, support, refunds, reconciliation, incident ownership, and record retention.