Capila payment facilitation system: a complete solution for managing electronic payment gateways

Capila: an integrated engine for issuing bank gateways with automatic settlement, an Iranian FinTech achievement

Part 1: What is payment facilitation?

A payment facilitator (PayFac) is a system that:

• Acts as an intermediary between merchants and payment networks (Shaparak)
• Simplifies the complex process of getting a payment gateway for businesses
• Is responsible for merchant verification, risk management and settlement

A key analogy: “A payment facilitator is like a licensed broker who gets you permission to open a shop in the shopping mall (the banking network)!”

Part 2: Introducing the Capila system

The system designed by Karzaan for Arman Tose’e Electronic Parseh is a full PayFac platform that:

• Cuts the months-long process of getting a payment gateway to under 72 hours
• Has automated everything from the application to issuing the terminal code
• Supports automatic daily settlement to merchants’ IBANs

Part 3: A smart gateway issuing process

• Merchant application
• Multi-layer verification
• Postal code / tax code verification
• Submission to Shaparak
• Terminal code issued

Part 4: Advanced technical architecture

Part 5: Dedicated merchant services

1. Key APIs:

• generatePaymentToken(): creates a secure token for the bank gateway
• trackTransaction(terminal_id): tracks a transaction’s status
• requestSettlement(): requests an immediate settlement

2. A smart user panel:

• Transactions with advanced filters
• Periodic financial reports (PDF/Excel)
• Alerts for transaction anomalies

Part 6: A professional admin panel

• Transaction heat map: identifies high-risk areas
• Risk analysis dashboard:
  • AI-based fraud pattern detection
  • Merchant rating system (A to D)
• Automatic settlement management:
  • Settlement scheduling (daily/weekly/immediate)
  • Automatic accounting entries

Part 7: Shaparak licensing from start to finish

Karzaan’s competitive advantage: the technical team handles the entire licensing process

Part 8: What sets the system apart

Dynamic verification:

• Connections to government systems (tax, company registration)
• A scoring algorithm based on 20 parameters

Automatic settlement:

• Settlement files generated to Shaparak’s standard
• Funds transferred to merchants’ IBANs by midnight the same day

Multi-layer security:

• Point-to-point encryption (E2EE)
• A machine learning-based intrusion detection system

Conclusion: why this system is a breakthrough for the payment industry

By combining three key innovations:
1. Fully automated processes from application to settlement
2. A hybrid technical architecture (React + Node + Yii2 + MongoDB)
3. End-to-end support for Shaparak licensing
the system offers a unique solution for:

• Merchants: a payment gateway within 3 working days
• Payment facilitators: 70% lower operating costs

“Capila combines three vital services, smart verification, instant gateway issuing and automatic settlement, in a single platform, the result of 1,000+ hours of specialized development by the Karzaan team.” Karzaan’s experience on critical projects such as the University of Tehran systems and the Fanap transaction routing system guarantees the group’s capabilities in sensitive fields.