PayOS — Payment Intelligence Suite

AI-powered payment operations platform built by us

What is PayOS?

PayOS is a full-stack merchant payment dashboard that solves 4 real problems every online merchant faces:

Module	Problem Solved
🔀 NeuralRoute	Razorpay went down at 2AM — ₹2L in orders failed
🛡️ SentinelPay	Unusual refund spike at midnight — nobody noticed
⚡ FlowForge	Bad checkout UI = customers abandoning cart
📊 ClearLedger	Bank says ₹98,500, gateway says ₹1,00,000 — where's ₹1,500?
🤖 PayAgent	Merchant types "what's wrong?" → AI autonomously fixes everything

Architecture

Frontend (React + Recharts)
        ↓
Backend (Node.js — pure functional, zero classes)
        ↓
┌──────────────────────────────────┐
│  NeuralRoute  │  Pure fn routing engine    │
│  SentinelPay  │  Z-Score + Isolation Forest│
│  ClearLedger  │  Reconciliation pipeline   │
│  PayAgent     │  Claude API tool_use loop  │
└──────────────────────────────────┘
        ↓
Hyperswitch Sandbox API (sandbox.hyperswitch.io)

Quick Start

1. Get your API keys (free)

Hyperswitch Sandbox Key:

1. Go to app.hyperswitch.io
2. Sign up free → Developers → API Keys → Create
3. Copy the sandbox key

Claude AI Key (optional — for PayAgent):

1. Go to console.anthropic.com
2. Create account → API Keys → Create Key

2. Setup Backend

cd backend
npm install
cp .env.example .env
# Edit .env — add your HYPERSWITCH_API_KEY and CLAUDE_API_KEY
npm run dev
# Backend running on http://localhost:4000

3. Setup Frontend

cd frontend
npm install
npm start
# Frontend running on http://localhost:3000

4. Open PayOS

Go to http://localhost:3000 → Enter merchant name + API keys → Launch Dashboard

API Endpoints

POST /api/payments/create          → Create payment (uses NeuralRoute to pick gateway)
POST /api/payments/:id/confirm     → Confirm with payment method
GET  /api/payments                 → List payments from Hyperswitch
GET  /api/routing/health           → Gateway health scores
POST /api/routing/predict          → ML gateway prediction
GET  /api/anomaly/scan             → Run SentinelPay anomaly detection
GET  /api/reconcile/run            → Run ClearLedger reconciliation
POST /api/reconcile/dispute-letter → Generate dispute letter
POST /api/agent/chat               → Chat with PayAgent (Claude AI)

Key Technical Decisions (FP Philosophy — Juspay style)

• Zero classes — entire backend is pure functions
• Composable routing rules — each rule is (txn, gateway) => score_adjustment
• Pure transform pipeline — reconciliation is gatewayTxns → bankEntries → mismatches
• Agentic loop — PayAgent uses Claude tool_use for real autonomy, not just chat

Project Structure

payos/
├── backend/
│   └── src/
│       ├── services/
│       │   ├── hyperswitch.js   ← Real Hyperswitch API calls
│       │   ├── neuralRoute.js   ← Pure fn ML routing engine
│       │   ├── sentinelPay.js   ← Z-Score anomaly detection
│       │   ├── clearLedger.js   ← Reconciliation engine
│       │   └── payAgent.js      ← Claude AI agent loop
│       └── routes/
│           ├── payments.js
│           ├── routing.js
│           ├── anomaly.js
│           ├── reconcile.js
│           └── agent.js
└── frontend/
    └── src/
        ├── App.js               ← Main layout + routing
        ├── pages/               ← 6 module pages
        └── services/api.js      ← Backend API calls

Deploy to Render (free)

# Backend: render.com → New Web Service → Node → npm start
# Frontend: render.com → New Static Site → npm run build
# Set env vars in Render dashboard

Built With

• Juspay Hyperswitch — payment orchestration API
• Claude AI — PayAgent autonomous operations
• Node.js — pure functional backend (mirrors Haskell FP philosophy)
• React + Recharts — dashboard UI
• PostgreSQL — transaction storage (optional, works without)