Payment Gateway Integration
Reliable, compliant payment flows across cards, wallets, and bank rails — scoped to keep your PCI DSS audit surface small as you add each new rail.
Talk to our fintech team ↗
What makes payment integration genuinely production-ready?
Every payment decision in a fintech stack has to survive scrutiny twice — once from a regulator asking for the audit trail, and once from a customer asking why a payment failed. A gateway integration that works in a sandbox but hasn't been scoped around cardholder data exposure, reconciliation, and failure handling isn't production-ready, it's a demo.
Payment gateway integration done properly keeps cardholder data out of your systems wherever possible — tokenising through a compliant processor rather than expanding what your team has to certify — while reconciliation and settlement are treated as core features, not a monthly manual matching exercise finance inherits.
What the integration covers
Multi-rail payment flows
Cards, digital wallets, and bank transfers integrated through compliant processors, scoped to your actual markets and currencies.
PCI scope reduction
Cardholder data kept out of your systems wherever possible via tokenisation, so your audit surface doesn't expand with every new rail.
Reconciliation & settlement
Automated matching between transactions, settlements, and payouts, replacing a manual spreadsheet exercise finance otherwise inherits.
Failure & retry handling
Declines, timeouts, and partial failures are handled explicitly, so a flaky network doesn't silently double-charge or lose a payment.
Fraud & risk hooks
Integration points for fraud screening at the payment layer, whether built by us or plugged into a rail's native tooling.
Audit & dispute trail
Every transaction is logged and traceable, so a disputed charge is answered from the record, not reconstructed after the fact.
How the build runs
Scope the rails and markets
We confirm which cards, wallets, and bank rails you actually need, and the currencies and regulatory regimes involved, before touching an API.
Design for PCI scope reduction
The integration is architected to keep cardholder data out of your systems from the start, not retrofitted after a compliance review flags exposure.
Build & test failure paths
Declines, timeouts, and retries are tested deliberately, not just the happy path, because that's where real money gets lost or duplicated.
Reconcile against real settlements
Automated reconciliation is validated against real settlement files before go-live, not assumed to work from the processor's documentation.
Payment Gateway Integration FAQ
The tools we build with
Latency and explainability are treated as requirements, not tuning — a decision you can't justify is a decision you can't ship.
Core services
Go
Node.js
PostgreSQLPayments & security
Stripe
Auth0
TerraformReconciliation
Kafka
Redis
TimescaleDBOps
AWS
Datadog
GitHub ActionsRelated work
Related reading
Reconciling settlements in a spreadsheet every month?
Tell us which rails and markets you're working across. We'll scope an integration built to keep your audit surface small.