Payment Infrastructure That Never Drops a Transaction
Every failed transaction is lost revenue and lost trust. We build payment gateways with 99.999% uptime, sub-200ms processing, and PCI DSS Level 1 compliance. Your money moves fast, and the audit trail proves it.
What is Payment Gateway Development?
Payment gateway development is the engineering of systems that authorize, process, and settle financial transactions between buyers, merchants, and banks. This sits at the intersection of high-performance computing and strict regulatory compliance. You need sub-second response times under load, idempotent transaction handling that survives network failures, and security controls that satisfy PCI DSS assessors. Get any of these wrong and you lose money — sometimes your merchants' money, which is worse.
- PCI DSS Level 1 compliant card data handling with tokenization and P2PE
- Multi-acquirer routing for optimal authorization rates and cost reduction
- Real-time fraud scoring using ML models trained on transaction patterns
- Support for ACH, SEPA, SWIFT, and local payment methods across 40+ countries
What We Build for Payments
Full-stack payment infrastructure — from the checkout widget to the settlement engine.
PCI DSS Level 1 Architecture
Card data environment isolation, hardware security modules for key management, tokenization that removes card numbers from your systems, and point-to-point encryption across the transaction lifecycle.
Payment API Platform
RESTful APIs with idempotency keys, webhook notifications, and SDK libraries for JavaScript, Python, Ruby, and PHP. Stripe-quality developer experience with your own infrastructure underneath.
Fraud Detection & Prevention
ML-based fraud scoring, velocity checks, device fingerprinting, and 3D Secure 2.0 integration. Rules engine that lets your risk team adjust thresholds without deploying code. False positive rates under 0.5%.
Settlement & Reconciliation Engine
Automated settlement file generation for acquirers, real-time reconciliation against bank statements, and discrepancy alerting. Reduces month-end close from days to hours.
Merchant Dashboard & Analytics
Real-time transaction monitoring, chargeback management, payout tracking, and revenue analytics. Custom reporting with export capabilities for merchant accounting teams.
Multi-Currency & Cross-Border Payments
Dynamic currency conversion, FX rate management, and local payment method support across 40+ countries. SEPA instant transfers in Europe, PIX in Brazil, UPI in India — we handle the local rails.
Who Needs Custom Payment Gateway Development?
When Stripe's 2.9% doesn't scale or their feature set doesn't fit, custom is the answer.
Marketplaces & Platforms
Split payments, escrow accounts, and multi-party settlements for marketplace businesses. One client reduced payment operations headcount by 4 people after automating their seller payout workflow across 15 countries.
SaaS Companies with Billing Complexity
Usage-based billing, metered subscriptions, and mid-cycle plan changes that standard billing tools handle poorly. We built a billing engine for a cloud provider processing 50M metered events daily.
High-Volume E-Commerce
When you process enough volume, owning your payment stack saves millions in processing fees. Smart routing across multiple acquirers improved authorization rates by 3.2% for one retail client — worth $4.7M annually.
Financial Services & Lending
Loan disbursement, repayment collection via ACH/direct debit, and escrow management. Automated retry logic for failed payments that recovered 23% of initially declined recurring charges for a lending client.
How We Build Payment Gateways
Payment systems have zero margin for error. Our process reflects that reality.
Payment Flow & Compliance Analysis
We map every money movement — authorization, capture, void, refund, chargeback, settlement. Then we identify PCI DSS scope, determine SAQ level, and plan the card data environment architecture.
Transaction Engine Architecture
Design for idempotency, exactly-once processing, and graceful degradation. We model failure scenarios first — what happens when the acquirer times out mid-authorization? Every edge case gets a defined behavior.
Core Payment Development
Build the transaction processing core, acquirer integrations, and tokenization service. Load testing starts early — we simulate 10x expected peak volume to find bottlenecks before they find your customers.
Security Hardening & PCI Assessment
Penetration testing, vulnerability scanning, and PCI DSS evidence collection. We work directly with your QSA to ensure every control is documented and verifiable. Network segmentation validated with traffic analysis.
Controlled Rollout & Monitoring
Phased traffic migration starting at 1% of transactions. Real-time dashboards tracking authorization rates, latency percentiles, and error codes. We don't go to 100% until metrics match or exceed the baseline.
Ready to get started? Let's discuss your project.
Payment Gateway Development Pricing
Building payment infrastructure is a serious investment. Here's how we structure engagements.
Payment Integration Project
Connect your platform to existing payment processors with custom checkout flows, webhook handling, and reconciliation. Best for companies that need payment functionality without building a full gateway.
Custom pricing based on your requirements
- Processor integration (Stripe, Adyen, etc.)
- Custom checkout UI components
- Webhook handling and retry logic
- Basic reconciliation reporting
- PCI DSS SAQ-A compliance scope
Custom Payment Gateway
Full payment infrastructure with multi-acquirer routing, tokenization, fraud detection, and merchant management. For companies that need to own their payment stack.
Custom pricing based on your requirements
- Multi-acquirer transaction routing
- Tokenization and PCI DSS Level 1 architecture
- ML-based fraud detection engine
- Settlement and reconciliation automation
- Merchant onboarding and dashboard
- Dedicated payment engineering team
Payment System Optimization
Audit and improve your existing payment infrastructure — boost authorization rates, reduce fraud, and lower processing costs without a full rebuild.
Custom pricing based on your requirements
- Authorization rate analysis and improvement
- Fraud rule optimization
- Acquirer routing strategy review
- Decline recovery automation
- Cost optimization recommendations
Payment Gateway Development Questions Answered
Quick answers to the questions we hear most often.
A basic payment gateway with single-acquirer processing takes 5-7 months. A full multi-acquirer gateway with fraud detection and merchant management takes 10-14 months. PCI DSS Level 1 certification adds 2-3 months for the audit process itself, though we prepare for it throughout development.
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Ready to Get Started with Payment Gateway Development?
Let's discuss your project and discover how we can help you achieve your business goals with our expert team.