u/FerrariMan2016

I'm ops lead at 9-person invoice-financing startup in US. We’re mapping payment switching for routing card/ACH payouts between processors, fallback rails, settlement files, reconciliation, audit logs etc. Client now ask if we can handle multi-acquirer routing and failover properly. At what point we should stop duct-taping integrations and bring in real switching architects? Cloud-first okay, or do banks expect heavier in-house stack? Any common gotchas?

TYSM!