White Lark is a modular  payment orchestration platform designed to    provide a stable, uniform, and predictable tech      nical environment for processing payments, ma           naging routing logic, handling asynchrono                 us events, and coordinating provider                    communication across multiple regi                    ons and operational models. The sy                     stem functions as an abstraction l                     ayer that normalizes request format                     s, response structures, error catego                      ries, and webhook events, allowing o                      perators and developers to work with                       consistent interfaces independent of                       provider-specific differences. All co                      re components are built around statele                      ss REST endpoints, structured logging wi                     th trace identifiers, idempotent event ha                     ndling, and standardized adapter models f                    or external integrations. The checkout layer                    supports tokenized cards, hosted flows, recu                    rring operations, and wallet-based payment re                     requests, while maintaining minimal PCI expo                    sure through vaulting strategies and controlled                   data-flow boundaries. Each transaction, refund,          or payout is processed through a unified endpoint structure                    with predictable response schemas that simplify                   integration and monitoring. Routing configuration is                    managed through a rule-engine that evaluates attributes                    such as BIN, issuer metadata, geography, method type,                     performance metrics, cost parameters, and standardized                      error codes. Rules can be updated in real time without        deployment cycles, allowing teams to adjust routing logic based on                        operational signals or provider performance changes.                        Cascading and fallback behavior follow deterministic                         evaluation paths that reduce failure rates and improve                      acceptance stability across acquirers and PSPs. Risk and     compliance tooling    includes 3DS handling, audit-ready log structures,                         event-trace continuity, and processes aligned with PCI DSS                           Level 1 requirements. Dynamic error mapping translates                          heterogeneous provider responses into normalized categories                           to support more accurate monitoring, routing decisions,                            and operational analytics. Dispute workflows are modeled                             through structured lifecycle states, evidence objects, and                              notification events that follow consistent data structures                               across providers. Operational modules provide unified           reconciliation data                       transaction-level   exports, settlement timelines, balance views,                             and acquirer or merchant finance structures. Analytics aggregates                    operational attributes for performance evaluation, routing optimization,                              and acceptance-rate tracking in high-load environments.                                Connectivity includes card processors, bank-transfer schemes,                     open banking flows,         and alternative payment methods, all implemented                           through standardized integration patterns designed to reduce                             onboarding time and minimize deviations between providers.                           The platform follows continuous delivery practices with frequent deployments,          automated regression tests,   versioned API evolution, and reliability controls intended                                      to maintain deterministic behavior under increased                                             load or partial-failure scenarios.     High-availability                 targets               and      health-check mechanisms ensure consistent system                                          performance across regions and environments.                                            White Lark operates as an infrastructure layer intended                                          to unify provider interaction, reduce integration overhead,                                   standardize operational data, and maintain predictable behavior across                                           heterogeneous payment systems. White Lark functions as an                                                     infrastructure layer that consolidates payment logic,                                            operational data, routing intelligence, and compliance         workflows                   into                a coherent system designed to provide                                                 predictable behavior across varied environments. Its                                        objective         is to give teams a consistent technical foundation,                                                   reduce fragmentation between providers, and maintain                                                  a clear operational model that scales with business                                                        requirements. Through modular design,       standardized interfaces,                          and rigorous engineering practices,                                      the platform         supports long-term stability   and   adaptability                                    in a fast-changing payments ecosystem.The checkout component                                              of White Lark supports tokenized payment instruments,                                           hosted interfaces, digital wallets, and recurring operations.                                     Tokenization      processes minimize    PCI scope    by directing           sensitive data        toward secure vaulting          strategies and limiting exposure                                       through            carefully defined         data boundaries.                                             Each payment,     refund,    or    payout  is  processed  through                                                    versioned API endpoints with unified request and           response structures,          allowing developers      to interact    with    a stable                                  interface                        regardless    of provider    capabilities                                                or regional        differences.      The platform    enforces                      idempotent behavior                       for      all        callbacks,                                                                         ensuring  consistent  system                                             state under repeated          events, network delays, or partial                                                                               failures.Routing  and                                       optimization                  are   handled    through   a      rule-engine                                                                                  capable    of      evaluating                                                                   multiple  attributes   per   transaction.                                                               multiple  attributes    may   include   i ssuer   metadata,                                                                        BIN ranges,  card brands,  countries                                                           of operation,             method types,   cost   metrics                                                                          latency,        patterns,                                                                        historical       distributions,                                                                           internally            generated    risk                                                                              indicators.   Routing    are                                                                       editable   in      time    without                                                                            deployment  cycles,  allowing                                                                         teams to react   to operational shifts                                                                      Cascading    logic   is    follows                                                                            explicit     paths that                                                                        attempt                 providers   or                                                                                acquirers    based on                                                                                 predefined priorities.                                                                             system   built  to                                                              operate    with precision                                                                                    and                                                                                   consistency