Last month was a focus on strengthening the foundation and unlocking scale.

We focused on the things that matter most when payments infrastructure moves from startup adoption to enterprise deployment: security, reliability, and operational control. 

Along the way, we removed several adoption blockers for large merchants, expanded smart payment orchestration, and delivered meaningful improvements to onboarding, checkout resilience, and infrastructure stability.

Here’s what we shipped, why it matters, and the impact we’re already seeing.

ACH limits raised for high-volume merchants

What we shipped

We significantly expanded ACH processing limits to $5M daily processing capacity to support growing enterprise demand.

These changes remove artificial ceilings that previously required manual workarounds for high-volume merchants.

Why it matters

Bank-based payments are often used for high-value transfers and settlement flows, where traditional card rails simply don’t scale.

As merchants grow, rigid transaction caps can introduce operational friction—forcing teams to split transactions, delay payouts, or manually coordinate large transfers.

Raising ACH limits allows Coinflow merchants to operate at enterprise scale without changing workflows.

Impact

Merchants can now process large-value transactions and payouts through ACH with the flexibility needed for real-world financial operations.

New smart payment routing intelligence

What we shipped

We expanded Smart Payment Orchestration with new routing capabilities that give merchants more precise control over how transactions are processed.

New routing features include:

• MCC code filtering to ensure processor compliance
• Card-type compatibility checks
• Customer age heuristics for risk segmentation

These capabilities enable transactions to route to processors that best match regulatory requirements, fraud profiles, and authorization success rates.

Why it matters

Not every processor performs equally well across all types of transactions.

A payment processor that works well for established customers may not be optimal for new users with limited transaction history. Similarly, regulatory requirements may restrict certain processors for specific merchant categories.

Smart orchestration enables Coinflow to dynamically evaluate these factors and select the best processor in real time.

Impact

As our orchestration engine becomes more intelligent, merchants capture more successful transactions while maintaining regulatory alignment.

Payment orchestration now runs in parallel

What we shipped

Previously, payment processor evaluations during checkout ran sequentially.

We redesigned the orchestration pipeline so processor evaluations now run in parallel, dramatically reducing the time to make routing decisions.

Why it matters

Checkout speed directly impacts conversion rates.

Even small latency improvements can reduce drop-off during payment flows. By parallelizing processor evaluations, the system can determine the optimal routing path significantly faster.

Impact

Speed matters in payments, and this upgrade removes unnecessary delays in the transaction pipeline.

Improvements across checkout, onboarding, and withdrawals

What we shipped

February brought several improvements to the tools merchants and their teams interact with daily.

Key updates included:

• Introducing fallback logic with added redundancy 
• Improving withdrawal error transparency
• Enhancing invoice visibility for parent merchants

We also updated the checkout interface label from “Card” to “Credit/Debit Card”, a simple change that reduces confusion for debit card users during checkout.

Why it matters

Small UX improvements compound quickly in payments.

Checkout failures reduce conversion. Silent withdrawal errors generate support tickets. Poor invoice visibility creates operational overhead for merchant finance teams.

By addressing these friction points directly, we ensure that merchants (and their customers) experience a more reliable and transparent payment flow.

Impact

Sometimes the biggest product wins come from removing friction that users didn’t expect to encounter in the first place.

Enterprise Apple Pay key ownership

What we shipped

In February, we introduced enterprise Apple Pay key ownership, allowing merchants to decrypt Apple Pay payment tokens on their own infrastructure before passing card data to Coinflow.

Instead of relying on Coinflow to manage decryption keys, merchants can now maintain full custody of their Apple Pay private keys. This architecture ensures that sensitive key material never leaves the merchant’s security environment.

Why it matters

Large merchants—especially those operating in regulated industries—often have strict requirements around key custody and cryptographic control.

Many enterprise security policies prohibit third parties from holding encryption keys tied to payment data. Even if the implementation is secure, the compliance model can become a blocker during procurement and security reviews.

By allowing merchants to own and operate their Apple Pay decryption keys, we eliminate that friction while preserving the same checkout functionality.

Impact

For large organizations evaluating payments infrastructure, cryptographic control is non-negotiable. This release ensures Coinflow integrates seamlessly into those security models.

Direct NMI payment processing

What we shipped

Merchants now have the option of direct NMI processing.

This integration includes full webhook support and real-time lifecycle tracking of transactions.

Why it matters

Adding processor diversity improves both payment reliability and authorization performance.

Different processors perform differently depending on geography, card issuer, and merchant category. Expanding processor options gives merchants more flexibility when designing payment routing strategies.

Impact

Universal tokenization proxy

What we shipped

We launched a universal tokenization proxy that enables merchants like Félix to tokenize card data via a single endpoint.

Instead of maintaining three separate tokenization endpoints, partners now use one proxy endpoint with path-based routing.

Why it matters

Partner integrations should be simple.

Reducing endpoint complexity improves onboarding speed, reduces integration errors, and simplifies long-term maintenance.

Impact

Strengthening financial crime detection

What we shipped

We enhanced Coinflow’s financial crime detection stack, expanding the systems that monitor transaction activity and identify suspicious behavior across the platform.

These improvements strengthen how payment patterns are analyzed and how potential risk signals are surfaced to compliance systems. We also improved the way monitoring updates are tested and deployed, ensuring new safeguards can be validated safely before they are introduced into production environments.

Together, these updates provide deeper oversight across the payment lifecycle while maintaining a smooth experience for legitimate users.

Why it matters

Financial crime prevention requires constant iteration. As payment ecosystems grow and transaction behavior evolves, detection systems must evolve alongside them.

By strengthening our monitoring infrastructure and improving how risk signals are evaluated, Coinflow can respond more quickly to emerging threats while minimizing friction for merchants and customers operating legitimately.

The goal is simple: maintain strong safeguards without slowing down good transactions.

Impact

Looking ahead

February reinforced an important theme: payments infrastructure must scale without sacrificing reliability or security.

We removed enterprise adoption barriers, expanded orchestration intelligence, strengthened system resilience, and proactively closed critical vulnerabilities. Together, these improvements make Coinflow a stronger platform for merchants building at scale.

As we continue into the next quarter, our focus remains the same:

Because when payments infrastructure works the way it should, merchants can focus on what matters most—growing their business.