Payments software development services
We build payment gateways, orchestration layers, PSP back-offices and reconciliation engines — engineered to survive Black-Friday-grade load.
Gateways, switches and orchestration that actually settle
- Auth uptime
- 99.99%
- Auth-rate uplift via routing
- +8%
- Reconciliation breaks at month-end
- 0
The payments problems software finally fixes
Every industry has its own gravity well of pain. Here is where payments teams typically lose the most time, money and trust — and where we focus first.
Patchwork integrations
Stripe + Razorpay + ACH + UPI + crypto, each with their own webhook quirks.
Auth-rate erosion
Single-PSP routing leaks 5-10% of revenue you never see.
Fraud / chargebacks
Every false positive is a lost customer; every false negative is real money.
Reconciliation pain
Settlement files, FX timing and refunds make month-end a nightmare.
Capabilities purpose-built for your domain
Six things teams typically ask us to build first — each shipped to production, not demo, quality.
Payment gateways
Hosted, drop-in and API-first gateways with 3DS2, tokenisation and SCA flows.
Payment orchestration
Smart routing, retries, fail-over and least-cost selection across PSPs.
PSP & issuing back-office
Merchant onboarding, card issuing, BIN sponsorship and program management.
Reconciliation & settlement
Multi-source matching, breaks workflow, chargebacks and merchant payouts.
Fraud & risk
Rules + ML scoring, device fingerprinting, velocity, 3DS challenge orchestration.
UPI / ACH / SEPA
UPI flows, ACH/RTP, SEPA Instant and SWIFT/wire integrations.
Technologies for payments systems
Built audit-ready
We design with the relevant frameworks in mind from architecture through production hand-off.
How we deliver in payments
Payments tech is unforgiving — every failed authorisation has a customer-support call attached, and every reconciliation break compounds.
Our designs centre PCI DSS, idempotency, observability and the fraud / reconciliation tooling needed to operate in the real world.
01
Threat model
PCI DSS scope, key handling and data-flow mapping first.
02
Architecture
Idempotency keys, exactly-once accounting, observable everything.
03
Build
Auth → capture → settle → refund → reconcile vertical slice.
04
Certification
PCI DSS scan / pen test / RoC support and PSP certification.
05
Operate
24×7 SOC, runbook on-call, monthly auth-rate and recon reviews.
Payments software — questions teams ask us
Can you architect to PCI DSS Level 1 from scratch?
Yes — segmented CDE, tokenised PAN, HSM key custody, audit-trailed access and SAQ-D / RoC-ready posture is our baseline for payments work.
Do you integrate UPI, ACH, SEPA, RTP and card networks?
We integrate UPI (NPCI), ACH (Nacha), RTP, SEPA SCT/Instant, RTGS/NEFT/IMPS, and Visa/Mastercard direct connect or via processors.
How do you lift auth rates?
Smart routing across PSPs, network token migration, 3DS2 frictionless flow, retry policy tuning and decline-recovery workflows typically add 3-8% absolute auth.
Other verticals we build for
Ready to build for payments?
Tell us where it hurts most. We will reply within 24 hours with a tailored discovery plan.
- Free NDA
- Response in 24h
- No commitment