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Financial Settlement and Payments

For processing financial transactions and holding balances, AltherGo uses a dedicated and isolated microservice in NestJS, fully integrated with the Pagar.me V5 gateway.

This architecture ensures that sensitive payment data (such as credit cards and Apple/Google Wallet tokens) is handled with the highest level of security and regulatory compliance (PCI-DSS), without ever exposing the application's main core.

Authentication and Security​

Since this microservice handles real monetary flows, all routes require strict authentication.

The service uses a cross-validation mechanism: JWT tokens are validated in real-time in the Core System, ensuring that revoked permissions take immediate effect on payment attempts.

Required Header: Authorization: Bearer <JWT_TOKEN>

Payment Domains​

The financial infrastructure is divided into the following operational groups:

  • Pagar.me Integration: Management of card tokens, customer creation, and Void and Refund routines.
  • Digital Wallet (Wallet): Closed-Loop management of the user's digital balance and top-ups.
  • Charge Orchestration (Charge): Financial authorization flow with Auth and Capture coupled to the start of the OCPP hardware.
  • Users (Financial): Financial profile and customer provisioning.
  • Loyalty (Cashback): Reward rules engine and user retention.