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Starfish GmbH & Co. KG Unclaimed

payments

hellgate.io

Ulm, Germany

Remote-first digital product engineering company delivering a composable payments infrastructure for enterprises and ecosystems.

Starfish GmbH & Co. KG is a remote-first digital product engineering company delivering a composable payments infrastructure for modern digital commerce. The team combines deep banking and payments expertise with cross-industry experience to design, build, and operate high-performant solutions for complex, multi-partner ecosystems where payments enable business growth. It offers a full-stack portfolio from strategic consulting to software engineering, DevOps, product innovation, and long-term operational support, helping enterprises accelerate payment implementations, improve interoperability, and scale with confidence. The organization serves enterprise clients, SaaS platforms, fintechs, and marketplaces, focusing on flexibility, security, and reliable performance in evolving regulatory environments.

To empower businesses to innovate and scale payments securely and efficiently by delivering a flexible, interoperable payments infrastructure and engineering expertise.

What we offer

Hellgate CPA

Gain total control over your payment flows with Hellgate CPA’s composable, provider-agnostic architecture.

hellgate.io/cpa

Commerce

Accelerate payment processing with flexible orchestration and integrated compliance.

hellgate.io/cpa/commerce

Hub

Efficiently orchestrate payments with seamless integration and real-time monitoring.

hellgate.io/cpa/hub

Guardian

Securely manages sensitive payment data while minimizing PCI compliance scope.

hellgate.io/cpa/guardian

Specter

Protects businesses against fraud with real-time, AI-driven insights and actions.

hellgate.io/cpa/specter

Link

Streamline global payment integrations through a unified connectivity layer.

hellgate.io/cpa/link

Pulse

Gain real-time insights and control over payment flows with Pulse’s robust observability features.

hellgate.io/cpa/pulse

Market segments

Payment orchestration

Capabilities that coordinate routing, retries, and rule-based payment flows across multiple providers to maximize approvals and reduce custom infrastructure.

Payment tokenization and vaulting

Secure token lifecycle, vaulting, and network tokenization to reduce PCI scope and enable portable tokens across providers.

Fraud detection and risk management

Real-time fraud intelligence, adaptive risk profiling, graph-based relationship mapping, and automated blocking to reduce fraud and false positives.

PSP and acquirer connectivity and integration

Pre-built connectors, data normalization, secure credential management, health monitoring, and failover to simplify integrations with PSPs and acquirers.

Payments observability and analytics

Event streaming, unified metrics, anomaly detection, and end-to-end traceability for monitoring payment performance and operational optimization.

More information about our offering

Hellgate CPA

Hellgate CPA is an open, provider-agnostic composable payments architecture that plugs into existing stacks. It is not a single platform but a suite of independent components that you can use as needed to design, own, and control payment flows, with no vendor lock-in. The architecture supports modular orchestration, tokenization, fraud protection, data security, and observability across the entire payment stack.

  • Modular Payments Architecture
    Helps build a tailored payment solution without vendor dependency.
  • Automated Payment Routing
    Optimizes transaction flows and enhances approval rates.
  • Enhanced Data Security
    Minimizes compliance burdens while ensuring safe data storage.
  • Live Performance Monitoring
    Facilitates quick insights and proactive adjustments to payment strategies.
  • No Vendor Dependency
    Allows integration flexibility and competitive pricing.
  • Flexible Component Usage
    Tailors the payment solution to specific business needs.
  • Improved Transaction Success
    Reduces declines due to expired cards and enhances security.
  • Adaptive Fraud Prevention
    Stays ahead of evolving fraud patterns to protect revenue.

Commerce

Commerce is the fast lane into Hellgate CPA. It is the opinionated payment service designed for fast-moving teams, handling routing, retries, and provider abstraction with turnkey orchestration built on the CPA framework.

  • Avoid Vendor Lock-In
    Maintain independence by connecting with any acquirer or PSP, ensuring flexibility in your payment infrastructure.
  • Optimize Payment Success
    Ensure higher authorization rates by dynamically routing transactions based on real-time conditions and retrying where necessary.
  • Gain Full Transparency
    Monitor every payment event from initiation to completion, ensuring optimal routing and compliance adherence.
  • Speed to Market
    Go live quickly by leveraging established integrations and compliance patterns tailored for various industries.
  • Reduce Compliance Burden
    Transition to a secure payment environment effortlessly with compliance baked into the payment flows.
  • Seamlessly Integrate Payments
    Easily incorporate payment features into your application with minimal impact on your development timelines.
  • Simplify Setup
    Easily implement proven payment orchestration strategies without heavy infrastructure overhead.
  • Protect Revenue
    Utilize adaptive insights to minimize losses from fraud while maximizing successful transactions.

Hub

Hub is the brain of Hellgate CPA. It links acquirers, PSPs, and fraud prevention tools into one coordinated system, routing every transaction intelligently and handling retries automatically—eliminating custom infrastructure.

  • Optimize Payment Flows
    Control transaction paths dynamically without the need for custom code, enhancing both efficiency and security.
  • Enhance Flexibility
    Develop adaptable solutions capable of leveraging different payment providers as business needs evolve.
  • Integrate Effortlessly
    Seamlessly connect various components for a cohesive payment ecosystem, avoiding lock-in with any single provider.
  • Ensure Transaction Integrity
    Gain actionable insights into payment flows to identify issues early and optimize transaction performance.
  • Accelerate Deployment
    Quickly implement proven routing strategies to streamline operations, reducing time-to-market for new payment features.

Guardian

Guardian is the PCI Vault & Tokenization module that isolates sensitive data and reduces PCI scope, enabling universal token management across providers. It is designed to integrate with the CPA fabric and support tokenization across multiple networks.

  • Integrate Seamlessly
    Guardian integrates directly with the CPA architecture, enhancing security and compliance with seamless interactions across modules.
  • Enhance Authorization Rates
    Utilizes network-issued tokens to facilitate continuous transaction processing, reducing declines and increasing successful payments.
  • Minimize Compliance Burden
    Isolated storage of sensitive data ensures compliance is easier and less costly by limiting the scope of required security audits.
  • Achieve Token Portability
    Guardian manages network tokens that remain compatible across various providers, enabling flexible transaction routing and improving operational agility.
  • Secure Sensitive Transactions
    Provides a dedicated PCI-compliant vault, ensuring that cardholder data is stored securely and is never exposed to the business's internal systems.
  • Authenticate Transactions
    Guardian validates user identities and payment methods instantly, ensuring that all transactions originate from trusted sources.
  • Improve Fraud Detection
    Adding metadata to transactions aids analytics processes, which improves fraud detection accuracy and operational insights.

Specter

Specter is the Fraud Intelligence Layer. It provides AI-powered fraud detection and graph-based relationship analysis to identify coordinated fraud across the CPA ecosystem, with real-time decisioning and integration with other fraud tools.

  • Automates Fraud Prevention
    Leverages AI to continuously analyze transactions, identifying and stopping fraud before it can affect your revenue.
  • Instantly Prevents Fraudulent Transactions
    Stops fraudulent activities in real-time, ensuring smooth transaction processes for legitimate users.
  • Uncovers Hidden Fraud Patterns
    Utilizes graph technology to connect different points of data, revealing relationships that signify organized fraud.
  • Seamlessly Connects To Existing Solutions
    Plug Specter into your existing stack to enhance your fraud detection capabilities without extensive redevelopment.
  • Centralizes Risk Insights
    Provides a comprehensive view of risks associated with transactions, helping businesses make informed decisions.
  • Improves Accuracy Over Time
    As Specter processes more transactions, it gets smarter in identifying genuine users, reducing unnecessary manual reviews.

Link

Link provides PSP Abstraction—connects to acquirers, PSPs, and data providers through a single, unified layer. It offers pre-built connectors, data normalization, secure credential management, and health monitoring to keep integrations reliable.

  • Instant Provider Access
    Pre-built connectors allow users to access global acquirers and PSPs instantly, simplifying integrations and minimizing onboarding time.
  • Optimize Integrations
    The unified connectivity layer allows businesses to connect to multiple acquirers and services through a single interface, greatly simplifying integration efforts.
  • Ensure Reliability
    Health monitoring proactively ensures system uptime by monitoring connections and rerouting traffic seamlessly if a provider experiences downtime.
  • Manage Credentials Securely
    Link's secure credential management handles provider credentials within the compliance framework, ensuring secure storage and management.
  • Standardize Data Behavior
    Automatic data normalization ensures every connection behaves consistently across the CPA ecosystem, reducing integration complexities.

Pulse

Pulse is the Observability & Metrics layer. It streams events, surfaces anomalies, and delivers a unified metrics dashboard across Commerce, Hub, Guardian, and Specter, enabling real-time visibility and optimization.

  • Seamlessly Connects With CPA
    Integration with other CPA components allows for a fluid data exchange, enabling comprehensive visibility and operational enhancement across the entire payment ecosystem.
  • Automatically Informs Of Anomalies
    Pulse continuously monitors transaction flows, ensuring that any irregularities are flagged in real-time to maintain optimal performance.
  • Delivers Live Event Monitoring
    Pulse provides continuous event streaming, which allows teams to maintain immediate oversight of transaction statuses and operational health.
  • Centralizes Performance Insights
    Offers one cohesive interface to monitor all critical metrics, enhancing decision-making processes through data-backed insights.
  • Provides Full Transaction Traceability
    Users can follow every transaction step in real-time, ensuring transparency and allowing quick responses to any issues that arise during processing.

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