Payments expert across the full transaction flow — gateways, acquirers and issuers. I turn regulatory and integration complexity into reliable, compliant software.
Foundation
I navigate the full payments ecosystem with deep technical fluency — APIs, transaction flows, fraud prevention — while staying strict on PCI DSS and Latin-American regulatory frameworks. My work turns operational complexity into streamlined processes through continuous improvement, automation and technical leadership that scales.
Capabilities
Interconnected disciplines refined through years of real implementations and proven results, built on deep technical expertise and strategic clarity.
Complex requirements translated into clean, scalable solutions that move money reliably end-to-end — with compliance and fraud prevention woven in from day one.
API · Webhooks · SDKsDeep fluency with gateways, processors and the rails that move transactions — from ISO 8583 logs to modern SDKs, card-present, e-commerce and alternative payment methods.
ISO 8583 · 3DS · Tap-to-PhoneTeams guided through complexity with clarity and speed — turning domain knowledge into decisions that align strategy with execution across product, eng, compliance and CX.
Discovery · Playbooks · Go-livesStack & toolbox
Standards, networks and tooling I touch on a weekly basis.
From Visa and Mastercard volume to LATAM-specific rails like Diners and cash networks, I've integrated, certified and operated across every major scheme that moves money in the region. Each network has its own rules, fees and quirks — I know them in production, not just on paper.
ISO 8583, PCI DSS, 3-D Secure, EMV — the alphabet that decides whether a payment goes through, settles cleanly and keeps customer data safe. I debug authorization messages live, lead PCI scopes, and ship 3DS flows that protect conversion as much as they fight fraud.
E-commerce checkouts, in-store terminals, Tap-to-Phone, issuing and acquiring — I've built and supported them all. Each channel has its own latency budget, risk profile and integration shape, and I bring playbooks for every one so launches stop being heroic and become repeatable.
Integration playbooks that compress months into weeks, pre-sales engineering that closes deals on technical credibility, fraud rules that don't kill conversion, and AI-driven automation that takes ops work off humans. The day-to-day craft behind the standards above.
Contact
The official channels where I keep my professional presence and public work. This site is a portfolio snapshot, not a consulting intake — for formal messages, email is the right place.
Career timeline, roles and credentials in one place, with a concise overview of responsibilities and scope.
/jhonattan-rivera ↗For formal or administrative messages and document requests, with responses provided when applicable.
hello@jhonattanrivera.com ↗Public repositories, code samples and technical experiments — a view into implementation quality and style.
/jhonattanrivera ↗