Custom Payment Gateway Development

When off-the-shelf gateways aren't enough

Banks, fintech startups, large e-commerce groups, and telecoms sometimes need a proprietary payment layer — for white-labelling, custom routing logic, regulatory reasons, or to aggregate multiple acquirers behind a single merchant-facing API. Off-the-shelf gateways impose their own transaction fees, routing logic, and settlement timelines. A custom gateway puts your business fully in control.

We have built aggregator platforms that sit between merchants and acquirers, adding smart retry on failure, dynamic currency conversion, velocity-based fraud scoring, and a merchant dashboard that gives your clients real-time transaction visibility. The value delivered goes far beyond passing a card number to a bank — it's the business logic layer that makes your payment product competitive.

Our engineering approach

We start with an architecture review and threat model — mapping every component that touches payment data and defining the PCI DSS scope boundary. The settlement flow is designed with your finance team before a line of code is written, so the financial logic is correct from the outset rather than retrofitted during UAT. We build iteratively: an MVP with a single acquirer ships first, giving you something real to test while we expand routing logic and build the merchant portal in parallel.

Scalability is designed in from the start. The transaction processing layer is stateless and horizontally scalable behind a load balancer, with Redis handling session state and a write-optimised MySQL schema handling thousands of TPS. The reconciliation engine runs as a background job with full audit trails — every mismatch is flagged for human review before settlement files are generated.

What's included

Frequently asked questions