About
API Schema Hub is a Bangkok practice dedicated to financial audit of payment gateway applications for merchants and processors across Thailand.
Why we exist
Payment gateway applications sit between customers, banks, and the general ledger. When settlement files, fee waterfalls, and finance sign-off drift apart, the gap shows up as unexplained variance — not as a tidy error message. API Schema Hub was formed in Bangkok to give finance teams a dedicated financial audit of those gateway applications, without turning the engagement into a generic IT health check.
Origin
The practice grew out of repeated month-end work with Thai and regional merchants who had changed processors or launched marketplace split payments. The same questions kept appearing: which file is authoritative, who owns the break, and how do fee reports land in the books? We narrowed our scope to that intersection of gateway operations and financial control.
How we work
We read contracts and fee schedules, sample real transactions, and sit with the people who close settlement. Findings are written in language finance committees recognize — exposure, timing difference, control owner — not product marketing. Thailand’s payment landscape, with its mix of local methods and cross-border processors, shapes how we sample and how we talk about FX and reserve holds.
Values
- Specific evidence over slogans — every material finding cites a file, period, or interview.
- Proportionate scope — we do not expand into areas that will not change a financial decision.
- Clear ownership — remediation suggestions name a function, not an abstract “team.”
- Respect for operating pressure — settlement desks have daily deadlines; we plan fieldwork around them.
People
Engagements are staffed by auditors with backgrounds in merchant finance, processor operations support, and external audit of consumer businesses. We keep teams small so the same people who test samples also present findings.
Community and place
Our office is on Sathorn Road in Bang Rak. We work across Bangkok and remotely with finance teams elsewhere in ASEAN when document access is sufficient. When on-site observation of settlement closing matters, we travel to the operations floor.