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TSP Payment Gateway - Complete Project Repository

A comprehensive Technical Service Provider (TSP) payment gateway platform for the European Union market.

🎯 Project Overview

This repository contains everything needed to build, launch, and scale a payment gateway that operates as a Technical Service Provider (TSP) under PSD2 regulations. It includes regulatory guidance, financial models, technical architecture, code examples, and a complete execution roadmap.

Status: Foundation Complete | Ready for Development
Target Launch: 12 months
Estimated Budget: €140,000 - €230,000
Revenue Target (Year 1): €50,000 - €100,000/month

📁 Repository Structure

tsp-payment-gateway-repo/
├── README.md (This file)
├── .github/
│   ├── workflows/
│   │   ├── ci.yml
│   │   └── deployment.yml
│   └── ISSUE_TEMPLATE/
├── docs/
│   ├── REGULATORY.md
│   ├── FINANCIAL.md
│   ├── TECHNICAL.md
│   ├── OPERATIONAL.md
│   ├── COMPLIANCE.md
│   └── ROADMAP.md
├── knowledge-base/
│   ├── PSD2_FRAMEWORK.md
│   ├── TSP_DEFINITION.md
│   ├── LICENSING_OPTIONS.md
│   ├── COST_MODELS.md
│   ├── ARCHITECTURE_PATTERNS.md
│   └── INTEGRATION_GUIDES.md
├── examples/
│   ├── stripe-connect/
│   │   ├── oauth-flow.py
│   │   ├── payment-processing.py
│   │   └── webhook-handler.py
│   ├── paypal-commerce/
│   │   ├── merchant-onboarding.py
│   │   ├── payment-flow.py
│   │   └── webhook-handler.py
│   └── database/
│       └── schema.sql
├── templates/
│   ├── LEGAL_TEMPLATES.md
│   ├── PITCH_DECK_OUTLINE.md
│   ├── CUSTOMER_INTERVIEW_GUIDE.md
│   └── COMPLIANCE_CHECKLIST.md
├── src/
│   ├── api/
│   ├── core/
│   ├── models/
│   └── utils/
├── ARCHITECTURE.md
├── GETTING_STARTED.md
├── CONTRIBUTING.md
└── LICENSE

🚀 Quick Start

For Founders

  1. Read: docs/ROADMAP.md - 12-month execution plan
  2. Read: knowledge-base/TSP_DEFINITION.md - Understand TSP model
  3. Read: docs/FINANCIAL.md - Financial models
  4. Action: Start customer interviews (see templates/CUSTOMER_INTERVIEW_GUIDE.md)

For Technical Leads

  1. Read: docs/TECHNICAL.md - Technical architecture
  2. Review: knowledge-base/ARCHITECTURE_PATTERNS.md
  3. Study: examples/stripe-connect/ - Code examples
  4. Start: Set up development environment (see GETTING_STARTED.md)

For Compliance Officers

  1. Read: docs/REGULATORY.md - Regulatory framework
  2. Read: docs/COMPLIANCE.md - Compliance procedures
  3. Review: knowledge-base/PSD2_FRAMEWORK.md
  4. Use: templates/COMPLIANCE_CHECKLIST.md

For Business Analysts

  1. Read: docs/FINANCIAL.md - Financial models
  2. Review: knowledge-base/COST_MODELS.md
  3. Study: docs/OPERATIONAL.md
  4. Use: templates/PITCH_DECK_OUTLINE.md

📚 Documentation Structure

Core Documentation (/docs)

Document Purpose Audience
REGULATORY.md EU regulations, PSD2/PSD3, licensing options Founders, Compliance
FINANCIAL.md Cost breakdown, revenue models, projections Business, Finance
TECHNICAL.md Architecture, API design, integration guides Developers, CTO
OPERATIONAL.md Onboarding, settlement, support procedures Operations, Product
COMPLIANCE.md AML/KYC, GDPR, PCI DSS, SCA procedures Compliance, Legal
ROADMAP.md 12-month execution plan, milestones Everyone

Knowledge Base (/knowledge-base)

Detailed reference materials for specific topics:

  • PSD2_FRAMEWORK.md - Payment Services Directive 2 deep dive
  • TSP_DEFINITION.md - TSP criteria and requirements
  • LICENSING_OPTIONS.md - Comparison of regulatory models
  • COST_MODELS.md - Detailed cost analysis
  • ARCHITECTURE_PATTERNS.md - Technical design patterns
  • INTEGRATION_GUIDES.md - Provider integration procedures

Code Examples (/examples)

Working code for common integrations:

  • stripe-connect/ - Stripe Connect implementation
  • paypal-commerce/ - PayPal Commerce Platform implementation
  • database/ - Database schema and migrations

Templates (/templates)

Ready-to-use templates and guides:

  • LEGAL_TEMPLATES.md - ToS, Privacy Policy, DPA templates
  • PITCH_DECK_OUTLINE.md - Investor pitch structure
  • CUSTOMER_INTERVIEW_GUIDE.md - Interview framework
  • COMPLIANCE_CHECKLIST.md - Pre-launch checklist

🤖 Using with GitHub Copilot

This repository is optimized for GitHub Copilot to generate end-to-end solutions. Here's how to use it:

1. Copilot Chat for Documentation Questions

"Based on the knowledge-base/TSP_DEFINITION.md, what are the three criteria for TSP classification?"

2. Copilot for Code Generation

"Using the examples/stripe-connect/oauth-flow.py as reference, generate the PayPal equivalent"

3. Copilot for Architecture Decisions

"Based on knowledge-base/ARCHITECTURE_PATTERNS.md, what's the best pattern for handling payment reconciliation?"

4. Copilot for Implementation Tasks

"Implement the merchant onboarding flow based on docs/OPERATIONAL.md and examples/stripe-connect/"

5. Copilot for Compliance Tasks

"Create an AML monitoring system based on docs/COMPLIANCE.md and knowledge-base/PSD2_FRAMEWORK.md"

📖 Key Concepts

What is a TSP?

A Technical Service Provider (TSP) is a business that provides purely technical services (data processing, infrastructure, transmission) without handling money or requiring a banking license. Under PSD2, TSPs are exempt from licensing requirements.

Key Requirements:

  1. Never possess or control funds
  2. Provide only technical services
  3. No access to payment accounts

Advantages:

  • €0 capital required
  • 2-4 months to market
  • Simple compliance
  • Easy to scale

See knowledge-base/TSP_DEFINITION.md for details.

Regulatory Framework

The platform operates under the Payment Services Directive 2 (PSD2) and upcoming Payment Services Regulation (PSR).

Key Articles:

  • Article 5(1)(d) - TSP exemption
  • Article 12 - Capital requirements
  • Article 97 - Strong Customer Authentication (SCA)

See docs/REGULATORY.md for complete framework.

Technical Architecture

The platform uses a payment orchestration model:

  • Merchant connects their Stripe/PayPal account via OAuth
  • Platform routes payments through provider's infrastructure
  • Platform automatically receives application fees
  • No funds ever touch platform's account

See docs/TECHNICAL.md and knowledge-base/ARCHITECTURE_PATTERNS.md.

🎯 Project Phases

Phase 1: Foundation (Weeks 1-4)

  • Customer validation
  • Legal setup
  • Pitch deck creation
  • Team assembly

Phase 2: Documentation (Weeks 5-10)

  • Complete technical specification
  • Financial model validation
  • Compliance roadmap
  • Development planning

Phase 3: Development (Weeks 11-24)

  • MVP implementation
  • Stripe & PayPal integration
  • API development
  • Security testing

Phase 4: Beta Testing (Weeks 25-28)

  • Beta merchant onboarding
  • Feedback collection
  • Issue resolution
  • Launch preparation

Phase 5: Compliance (Weeks 29-32)

  • PCI DSS certification
  • GDPR compliance
  • Security audit
  • Regulatory approval

Phase 6: Launch & Growth (Weeks 33-52)

  • Production launch
  • Customer acquisition
  • Optimization
  • Series A preparation

See docs/ROADMAP.md for detailed timeline.

💰 Financial Overview

MVP Setup Costs

  • Legal & Compliance: €4,000 - €9,500
  • Technology: €4,500 - €10,500
  • Compliance & Security: €1,800 - €6,500
  • Marketing: €3,500 - €9,500
  • Total: €15,300 - €39,500

Monthly Operational Costs (MVP Phase)

  • Personnel: €0 - €4,000
  • Infrastructure: €1,000 - €2,300
  • Compliance: €1,050 - €2,300
  • Tools & Services: €250 - €500
  • Marketing: €1,200 - €3,500
  • Total: €3,500 - €12,600/month

Revenue Model Options

  1. Percentage Markup: 0.2% - 0.5% on top of provider fees
  2. Fixed Per-Transaction: €0.10 - €0.50 per transaction
  3. Hybrid SaaS: Monthly subscription + per-transaction fee
  4. Smart Routing Premium: €499-€2,999/month for advanced features

See docs/FINANCIAL.md for complete financial models.

🔧 Technology Stack

Recommended Stack

  • Backend: Node.js or Python (Flask/FastAPI)
  • Database: PostgreSQL with Redis cache
  • Infrastructure: AWS or GCP
  • Payment Providers: Stripe Connect, PayPal Commerce Platform
  • Monitoring: DataDog or New Relic
  • Security: TLS 1.3, AES-256 encryption

See docs/TECHNICAL.md for detailed architecture.

📋 Key Files to Read First

  1. GETTING_STARTED.md - Setup instructions
  2. docs/ROADMAP.md - 12-month plan
  3. knowledge-base/TSP_DEFINITION.md - Understand the model
  4. docs/REGULATORY.md - Regulatory requirements
  5. docs/TECHNICAL.md - Technical architecture
  6. docs/FINANCIAL.md - Financial models
  7. examples/stripe-connect/ - Code examples

🤝 Contributing

This is a collaborative project. To contribute:

  1. Create a new branch: git checkout -b feature/your-feature
  2. Make your changes
  3. Commit: git commit -m "Add your changes"
  4. Push: git push origin feature/your-feature
  5. Create a Pull Request

See CONTRIBUTING.md for detailed guidelines.

📞 Support & Questions

Documentation

Knowledge Base

Code Examples

📊 Project Statistics

Metric Value
Total Documentation 40+ pages
Code Examples 6+ implementations
Regulatory References 20+ sources
Financial Models 5+ scenarios
Timeline 12 months
Budget €140k - €230k

🎓 Learning Path

For Beginners (40 hours)

  1. Read all of /docs (20 hours)
  2. Study /knowledge-base (15 hours)
  3. Review /examples (5 hours)

For Intermediate (60 hours)

  1. Deep dive /docs (20 hours)
  2. Study /knowledge-base (20 hours)
  3. Work through /examples (15 hours)
  4. Create implementation plan (5 hours)

For Advanced (40 hours)

  1. Reference /docs (10 hours)
  2. Reference /knowledge-base (10 hours)
  3. Implement /examples (15 hours)
  4. Create custom solutions (5 hours)

📄 License

This project is provided as-is for educational and business planning purposes. Consult with legal and compliance professionals before making business decisions.

🚀 Next Steps

  1. Read GETTING_STARTED.md
  2. Review docs/ROADMAP.md
  3. Study knowledge-base/TSP_DEFINITION.md
  4. Start customer interviews
  5. Use Copilot to generate solutions based on the documentation

Ready to build a payment gateway? Let's go! 🎯

Repository Version: 1.0
Last Updated: June 2026
Prepared For: Founders, Developers, and Teams
Status: Foundation Complete | Ready for Development

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