Payment Processing & Gateway Solutions

At Software Planet Group, we specialise in developing bespoke payment gateways and transaction platforms that are PCI DSS and PSD2 compliant, integrating seamlessly with popular providers like Stripe, PayPal, Adyen, and Open Banking APIs. Whether you need a fully custom-built gateway, advanced payment orchestration, or fraud prevention tools, we deliver solutions tailored to your business needs, industry regulations, and growth ambitions.

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Financial Software Development Services

Services We Provide

We deliver end-to-end payment processing and gateway development services, from building secure transaction platforms and integrating with acquiring banks to implementing fraud detection and multi-currency support. Our solutions are designed for seamless integration with your existing systems, compliance with financial regulations, and the scalability required to handle high transaction volumes.

Difference

Custom Payment Gateway Development

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Payment Processor Integrations (Stripe, PayPal, Adyen, Open Banking APIs)

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Recurring Billing & Subscription Management

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Fraud Detection & Risk Management Tools

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Mobile & In-App Payments

Core Features & Differentiators

Our bespoke payment processing and gateway solutions are engineered to meet the most demanding security, compliance, and performance standards. With a focus on scalability and innovation, we help enterprises build payment infrastructures that are both future-proof and globally competitive.

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PCI-DSS & PSD2 Compliance

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Multi-Currency & Cross-Border Support

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Real-Time Authorization & Settlement

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Tokenisation & Secure Data Handling

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Biometric & 3D Secure Payment Flows

Transform Your Payment Infrastructure

Custom-built gateways designed for resilience, flexibility, and regulatory compliance.

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Why It Matters

In today’s digital economy, payment processing is no longer just a technical necessity — it’s a strategic enabler. A reliable, secure, and scalable gateway ensures customer trust, regulatory compliance, and operational efficiency. For businesses aiming to expand across markets, modern payment solutions unlock revenue growth, reduce transaction costs, and protect against evolving security threats.

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Operational Control

No dependency on vendor-locked gateways; full ownership of architecture.

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Cost Optimisation

Reduce interchange fees through smart routing and Open Banking integration.

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Regulatory Agility

Easily adapt to changing compliance requirements via configuration, not code rewrites.

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Scalability & Uptime

Active-active deployments with automated failover and disaster recovery.

Who We Work With

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FinTech Companies & Payment Startups

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eCommerce & Marketplace Platforms

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Travel, Booking & On-Demand Services

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SaaS Providers

Benefits of Bespoke Payment Processing & Gateway Software

Custom-built payment processing and gateway solutions give businesses full control over their transaction workflows, security policies, and integration capabilities. Designed to handle high volumes with low latency, they ensure seamless customer experiences while meeting PCI DSS, PSD2, and Open Banking standards. By eliminating dependency on generic third-party platforms, bespoke gateways enhance fraud detection, multi-currency support, and scalability, helping organisations reduce costs, optimise performance, and future-proof their payment infrastructure.

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Full Control Over Transaction Flows

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Scalability & High Performance

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Advanced Security & Fraud Prevention

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Multi-Currency & Global Expansion Support

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Seamless System Integration

Technologies We Use

Java & Scala

Enterprise at scale
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Ruby on Rails

Robust MVP development
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Vue JS

User interfaces and SPA

React JS

Modern web frameworks

C++ & Go

Cross-platform technology

Node JS

Server-side scripting

.NET & C#

Web & desktop applications

Python

Machine learning and web
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Angular

SPA development

Tools & Integrations

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APIs & Payment Providers (Stripe, PayPal, Adyen, Klarna, etc.)

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Cloud Infrastructure & Scalable Architecture

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Fraud Prevention Frameworks (AI-based checks, analytics)

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Regulatory Tools & Audit-Ready Logging

Our Process

We follow a structured, end-to-end approach to delivering secure and scalable payment solutions. Each stage — discovery, compliance assessment, design, development, and continuous support — focuses on building robust architecture, ensuring seamless integrations, and maintaining full regulatory compliance.

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Discovery & Compliance Analysis

PCI DSS gap assessment, PSD2 impact mapping.

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Architecture & Design

Domain-driven design, microservices decomposition.

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Development & Integration

CI/CD pipelines with automated compliance checks.

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QA & Security Testing

Penetration testing, vulnerability scans, performance benchmarking.

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Deployment & Monitoring

Blue-green or canary releases, real-time fraud alerts.

Case Studies 

SPG are proud of the work we do. From SMEs to large corporations looking for web developers in the UK, we are the trusted partners of hundreds of businesses — both in the UK and internationally — who put their confidence in our experienced programming specialists.

To learn more about how we meet the unique needs of our clients, take a look at some of our featured case studies!

Web Applications Case Studies

Clients from SMEs to Fortune 500 Companies

We cater to a wide range of clients, from small enterprises to large multinational corporations.

What Our Clients Say

What are the Next Steps?

If you require bespoke software development services or are looking to augment your current team’s capabilities, the process is straightforward:

1. Book a Call

2. Get an Offer

3. Make Your Decision

Payment Processing & Gateway Software Development FAQs

How can a custom payment gateway be architected to handle high transaction volumes without bottlenecks?

A scalable payment gateway should employ a microservices architecture, asynchronous message queues (e.g., Kafka, RabbitMQ), and auto-scaling cloud infrastructure (AWS ECS/EKS, Azure AKS, or GCP GKE). Implementing load balancing at both the application and database tiers, combined with database sharding and connection pooling, ensures high throughput. Leveraging event-driven processing for settlement and reconciliation also prevents main API latency.

What strategies ensure PCI DSS compliance during software development?

From the ground up, design with PCI DSS Level 1 compliance in mind: encrypt cardholder data using AES-256, ensure TLS 1.3 for data in transit, enforce strict tokenisation (no PAN storage where avoidable), and implement HSM (Hardware Security Modules) for key management. Additionally, perform quarterly vulnerability scans, penetration tests, and continuous security monitoring via SIEM integration.

How can a payment platform minimise latency for global transactions?

Adopt a multi-region deployment strategy with geo-routing via services like AWS Global Accelerator or Cloudflare Load Balancing. Integrate with local acquirers in different geographies to avoid unnecessary cross-border routing. Use gRPC for inter-service communication and cache common API responses to reduce round trips.

What’s the best approach for integrating multiple payment processors without creating vendor lock-in?

Implement an abstraction layer for payment processors using an adapter pattern. This allows the payment gateway to interface with providers (Stripe, Adyen, Worldpay, PayPal, etc.) through a unified API. Maintain processor-agnostic business logic while enabling quick onboarding or replacement of providers without refactoring core transaction flows.

How can AI and ML improve fraud detection in payment processing?

Incorporate real-time fraud detection pipelines that use ML models trained on historical transaction data to flag anomalies. Combine supervised models for known fraud patterns with unsupervised anomaly detection for emerging threats. Use stream processing frameworks like Apache Flink or Spark Streaming for sub-second decisioning.

How can a payment gateway be designed for high availability and zero downtime?

Adopt active-active deployment across multiple availability zones and regions, with database replication and automatic failover. Use blue-green or canary deployments for updates, ensuring no downtime during version releases. A combination of distributed consensus (e.g., etcd, Consul) and circuit breakers prevents cascading failures.

Build a Payment System That Scales

Secure, compliant, and high-performance gateways tailored to your business growth. Talk to our expert today.

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