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Fintech & Payments

Tiered API access, usage limits, and clear usage data for billing and analytics. Enforce quotas and give partners self-service discovery.

Practical use cases

Concrete ways teams use Zerq for this scenario.

  • Offer Starter, Pro, and Enterprise API tiers

    Merchants or issuers sign up and get access to a tier (e.g. 100 calls/min for Starter, 10k for Enterprise). The gateway enforces limits in real time; you export usage by partner and product to your billing system so you can invoice accurately and spot overuse.

  • Give new partners keys and docs without a ticket

    Partners use your developer portal to sign in, get API keys, and try endpoints in the browser. They only see the products they’re allowed to use. Support load drops and onboarding goes from days to minutes.

  • Avoid double charges and duplicate payment attempts

    Payment and idempotent endpoints are protected so duplicate requests (e.g. retries or double-clicks) don’t result in double execution. You get clear, auditable behavior and fewer disputes.

Outcomes

  • Clear tiers and predictable enforcement; usage data for billing and analytics.
  • Self-service portal reduces support load and speeds partner onboarding.
  • Single control plane for gateway, workflows, and observability.

How Zerq helps

  • API products and access levels: define tiers (e.g. Starter, Pro, Enterprise) with per-partner assignment and quotas enforced at the gateway.
  • Per-partner access in the developer portal: each partner only sees the products they are allowed to use; try-it and OpenAPI download scoped to their access.
  • Prometheus metrics and structured logs: request volume, latency, and errors by product and partner; export to your billing/analytics pipeline.
  • Duplicate request protection to avoid double-charging or duplicate payment attempts; optional response caching for idempotent read endpoints.
  • Token and certificate validation; credential encryption and key rotation; environment-referenced secrets for payment provider keys.
  • Visual workflows for payment-specific logic: conditional routing by amount, currency, or partner tier; custom response nodes for standard error payloads.
For architects & evaluators (technical context, requirements)

Technical context

Payment and fintech platforms expose APIs to merchants, issuers, and aggregators. Requirements include tiered access (free vs paid, volume bands), strict rate limiting and quotas, usage metering for billing, and clear API documentation. Partners need self-service key provisioning and try-it flows; operators need real-time visibility into usage and errors for capacity and revenue assurance.

Technical requirements

  • Tiered products with different rate limits and quotas per partner.
  • Usage metering and export for billing systems (counts, latency, errors by product/partner).
  • Partner self-service: sign-up, API keys, docs, and try-it-in-browser.
  • Idempotency and duplicate-request protection for payment endpoints.
  • Strong auth: API keys or tokens; optional mTLS for high-value partners.

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