Payment Systems & Gateway Addon

The Preads Platform features a dual-layered financial architecture that combines a robust core ledger with an advanced Enterprise Payment Gateway Addon. This system provides a secure, multi-currency environment for managing publisher earnings, automated deposits, and diversified withdrawal workflows.

🏗️ Core Ledger & Wallet System

Every publisher account is built on a high-precision decimal ledger that tracks every cent earned from clicks, conversions, and referrals.

  • Real-time Ledger: Automated balance updates upon conversion approval.
  • Multi-Currency Logic: While the system core operates on a base currency (USD), it supports custom exchange rates for individual publisher apps and withdrawal gateways.
  • Balance Safety: Brute-force protected financial operations and 2FA-secured withdrawal requests.

💳 Enterprise Payment Gateway Addon

The Payments Addon extends the platform with full-stack deposit and withdrawal capabilities, providing seamless integration with global payment providers.

Supported Gateways

  • Stripe: Enterprise-grade credit/debit card processing and automated subscriptions.
  • PayPal: Global wallet integration for instant deposits and payouts.
  • Manual Bank Transfer: Customizable workflows for wire transfers, supporting local bank details, SWIFT/BIC, and manual admin verification.

Deposit Workflow

Advertisers or Publishers (depending on configuration) can fund their accounts through a streamlined multi-step process:

  1. Gateway Selection: Choose from enabled automated or manual providers.
  2. Currency Conversion: Real-time calculation based on the gateway's specific exchange rate.
  3. Secure Checkout: Integration with provider-specific SDKs (Stripe Elements, PayPal Smart Buttons).
  4. Instant Crediting: Automated balance updates via secure Webhook notifications.

💸 Withdrawal & Payout Management

Bridge the gap between digital earnings and real-world currency with a flexible payout engine.

Administrator Controls

  • Gateway Configuration: Enable/Disable specific payout methods globally or per-publisher.
  • Min/Max Thresholds: Set global and per-gateway withdrawal limits (e.g., Min $10 for PayPal, Min $100 for Wire).
  • Approval Workflow: A dedicated administrative audit interface for reviewing pending requests, verifying publisher activity, and flagging suspicious payout patterns.

Publisher Workflow

  • Gateway Binding: Publishers can securely save multiple payout methods (e.g., multiple PayPal emails or crypto wallets).
  • Request Lifecycle: Transparent status tracking for every request (Pending → Processing → Completed or Rejected).
  • Fee Management: Support for fixed or percentage-based withdrawal fees.

🛡️ Transaction Security & Auditing

  • Universal Transaction ID (UTID): Unique identifiers for every financial movement, mapping internal ledger entries to external gateway references.
  • Webhook Intelligence: Secure, signed webhook processing for Stripe and PayPal to prevent "Double Spend" attacks.
  • Administrative Ledgers: Searchable and filterable financial logs covering all Deposits, Withdrawals, and Manual Adjustments.

Mastering Anti-Cheat & Fraud Detection →