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Payment & FinTech
PCI-DSS CompliantStripe & Processor APIsEncrypted Checkout

Tu checkout es donde muere el 70% de tus ingresos. Nosotros lo arreglamos.

Si eres un fundador viendo cómo Stripe rechaza tarjetas legítimas, o un product lead perdiendo clientes por errores de pago, has llegado al momento en que tu gateway se convierte en tu cuello de botella.

PCI-DSS
Compliance Level
SAQ-A minimum
<1.2s
Checkout Load Time
Measured at P95
99.99%
Uptime Target
Transaction availability
$0
Data Breaches
Across all client builds
What Payment Gateway Development Actually Fixes — And What Breaks Without It

Your buyer clicks 'Pay Now'. The form stalls. They refresh. Error message. Cart abandoned. That's $4 out of every $10 in your pipeline gone — not because they didn't want to buy, but because your checkout broke their momentum. Payment gateway development rebuilds that moment: PCI-compliant architecture that keeps card data off your servers, Stripe Payment Intents that handle Strong Customer Authentication without friction, hosted fields that look native but route tokenized data directly to your processor. Your team gets a checkout stack that supports Apple Pay, ACH, SEPA, and Buy Now Pay Later in 135 currencies — with address autocomplete, real-time validation, and minimal form fields. When a subscription renewal fails, dunning logic fires. When a chargeback arrives, your dispute evidence uploads automatically. The difference between a checkout that converts and one that kills your funnel is architecture — and your business can't afford the second kind.

Dónde fallan los proyectos

Cart abandonment rates above 70% due to slow, clunky checkout flows Every second of checkout latency costs you 7% in conversions — that's real revenue left on the table.
PCI compliance feels overwhelming and the requirements keep changing A single data breach costs an average of $4.45M and can permanently destroy customer trust.
Payment processor APIs are poorly documented and break during updates Failed transactions and silent errors mean lost sales you never even know about.
Your current site doesn't support multiple payment methods or currencies You're excluding international customers and anyone who prefers Apple Pay, Google Pay, or BNPL.
Recurring billing and subscription logic is bolted on as an afterthought Involuntary churn from failed renewals and dunning gaps erodes your MRR month over month.
Fraud detection is either nonexistent or triggers too many false positives You either eat chargebacks or reject legitimate customers — both cost you money.

Cumplimiento

PCI-DSS Architecture

We design systems where sensitive card data never touches your servers. Tokenization and hosted payment fields keep you at SAQ-A compliance with minimal audit burden.

End-to-End Encryption

TLS 1.3 everywhere, AES-256 encryption at rest, and secure key management. Every data path from browser to processor is locked down.

Fraud Prevention

Stripe Radar, 3D Secure 2.0, velocity checks, and custom risk rules. We build layered fraud detection that catches bad actors without blocking real customers.

Multi-Processor Failover

Route transactions through backup processors when your primary goes down. Automatic failover means you never lose a sale to an outage.

Transaction Reporting

Real-time dashboards for revenue, refunds, chargebacks, and settlement status. Export to your accounting system or pull custom reports via API.

Webhook & Event Logging

Every payment event is logged, timestamped, and auditable. Webhook handlers process asynchronous events reliably with automatic retry logic.

Qué construimos

Integrate Stripe Payment Intents, Setup Intents, and Customer objects with full API coverage

Your checkout handles authentication, tokenization, and currency detection without custom code

Embed PCI-compliant card inputs that style to your brand but keep raw data off your stack

Your customers see a native-looking form while card data never touches your server logs

Build single-page checkout with autocomplete, validation, and minimal fields to stop abandonment

Your conversion rate climbs as friction drops — fewer fields, faster load, clearer errors

Support Apple Pay, Google Pay, ACH, SEPA, and BNPL across 135 currencies automatically

Your international buyers pay in their currency with their preferred method at checkout

Automate subscription proration, plan changes, dunning sequences, and failed payment recovery

Your MRR stabilizes as dunning recovers failed renewals and proration handles plan shifts cleanly

Process refunds, manage chargebacks, and submit dispute evidence from a unified admin panel

Your finance team resolves disputes in minutes instead of ticket-and-spreadsheet chaos

Nuestro proceso

01

Payment Architecture Audit

We map your transaction flows, processor requirements, compliance obligations, and integration points. You get a technical spec and risk assessment before any code is written.
Week 1
02

Checkout UX & Interface Design

High-fidelity checkout designs tested against conversion best practices. Every field, error state, and loading indicator is accounted for.
Week 2
03

Processor Integration & Backend

API integration with your payment processor, webhook handlers, database schema for transactions, and server-side validation logic.
Weeks 3–4
04

Security Hardening & Testing

Penetration testing, PCI compliance verification, load testing under concurrent transactions, and end-to-end QA across devices and payment methods.
Week 5
05

Launch & Transaction Monitoring

Go live with real-time monitoring dashboards, alerting on failed transactions, and 30 days of post-launch support to catch edge cases in production.
Week 6
Next.jsStripeSupabaseVercelNode.jsPostgreSQL

Preguntas frecuentes

¿Cuánto tarda el desarrollo de un sitio web con pasarela de pago?

La mayoría de los proyectos de pasarela de pago se entregan en 4 a 6 semanas. Las integraciones con un solo procesador y un checkout estándar pueden avanzar más rápido. Los desarrollos complejos — soporte multidivisa, lógica de suscripciones, pagos a marketplaces — suelen llegar a las 6 semanas. Definimos el alcance desde el principio para que no haya sorpresas en los plazos.

¿Necesito cumplir con PCI para aceptar pagos en mi sitio web?

Sí. Todo negocio que acepte, procese o almacene datos de tarjetas de crédito debe cumplir con PCI-DSS. Arquitectamos tu sitio para que los datos sensibles de tarjetas nunca toquen tus servidores — usando tokenización y campos de pago hospedados. Esto te mantiene en el nivel SAQ-A, el más sencillo de cumplimiento, sin renunciar a una experiencia de checkout completamente personalizada.

¿Con qué procesadores de pago trabajan?

Trabajamos con Stripe, Square, Braintree, Adyen, PayPal y Authorize.net. Stripe es nuestra recomendación por defecto para la mayoría de los proyectos, dada su experiencia de desarrollo, documentación y conjunto de funcionalidades. Si tienes un procesador específico o una cuenta de comerciante existente, construimos en torno a eso.

¿Pueden agregar procesamiento de pagos a mi sitio web existente?

Absolutamente. Integramos pasarelas de pago de forma habitual en sitios existentes construidos con Next.js, React, WordPress y otras plataformas. Auditamos tu arquitectura actual, identificamos la ruta de integración más limpia y la implementamos sin interrumpir tu funcionalidad existente ni requerir una reconstrucción completa.

¿Cómo gestionan los pagos fallidos y las contracargos?

Construimos secuencias automatizadas de dunning para pagos de suscripción fallidos, incluyendo lógica de reintentos y correos de notificación al cliente. Para los contracargos, creamos herramientas de administración que te permiten enviar evidencia de disputa directamente desde tu dashboard. También integramos herramientas de prevención de fraude como Stripe Radar y 3D Secure para reducir las disputas antes de que ocurran.

¿Cuánto cuesta el desarrollo de una pasarela de pago?

Los proyectos comienzan en $8,000 para la integración de checkout con un solo procesador y funcionalidades estándar. La facturación por suscripciones, el soporte multidivisa, los pagos divididos para marketplaces y los dashboards de administración personalizados llevan los proyectos a un rango de $14K a $25K. Todos los proyectos tienen precio fijo — conocerás el costo exacto antes de comenzar, sin sorpresas por facturación por horas.

Payment Gateway Development from $8,000
Fixed-fee. PCI-compliant. 30-day post-launch support included.
See all packages →

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