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Payment & FinTech

PCI-DSS CompliantStripe & Processor APIsEncrypted Checkout

Payment Gateway Website Development

Your Checkout Is Bleeding 70% of Buyers Before They Ever Pay

PCI-DSS

Compliance Level

SAQ-A minimum

<1.2s

Checkout Load Time

Measured at P95

99.99%

Uptime Target

Transaction availability

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.

프로젝트가 실패하는 이유

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.

컴플라이언스

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.

우리가 만드는 것

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

우리의 프로세스

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

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

Processor Integration & Backend

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

Weeks 3–4

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

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

자주 묻는 질문

How long does payment gateway website development take?

Most payment gateway projects ship in 4–6 weeks. Single-processor integrations with standard checkout can move faster. Complex builds — multi-currency support, subscription logic, marketplace payouts — typically land at the 6-week mark. We scope everything upfront so there are no timeline surprises.

Do I need to be PCI compliant to accept payments on my website?

Yes. Any business that accepts, processes, or stores credit card data must comply with PCI-DSS. We architect your site so sensitive card data never touches your servers — using tokenization and hosted payment fields. This keeps you at SAQ-A, the simplest compliance level, while still giving you a fully custom checkout experience.

What payment processors do you integrate with?

We work with Stripe, Square, Braintree, Adyen, PayPal, and Authorize.net. Stripe is our default recommendation for most projects given its developer experience, documentation, and feature set. If you have a specific processor requirement or an existing merchant account, we'll build around it.

Can you add payment processing to my existing website?

Absolutely. We regularly retrofit payment gateway integrations into existing sites built on Next.js, React, WordPress, and other platforms. We'll audit your current architecture, identify the cleanest integration path, and implement it without disrupting your existing functionality or requiring a full rebuild.

How do you handle failed payments and chargebacks?

We build automated dunning sequences for failed subscription payments, including retry logic and customer notification emails. For chargebacks, we create admin tools that let you submit dispute evidence directly through your dashboard. We also wire in fraud prevention tools like Stripe Radar and 3D Secure to reduce disputes before they happen.

What does payment gateway development cost?

Projects start at $8,000 for single-processor checkout integration with standard features. Subscription billing, multi-currency, marketplace split payments, and custom admin dashboards push projects into the $14K–$25K range. Every project is fixed-fee — you'll know the exact cost before we start, with no hourly billing surprises.

Payment Gateway Development from $8,000

Fixed-fee. PCI-compliant. 30-day post-launch support included.

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Get Your Payment Gateway Assessment

Tell us about your transaction volume and we'll deliver a quote within 24 hours.

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