Payment Aggregator Software Development
Launch a secure, scalable payment aggregation platform with merchant onboarding, acquirer routing, transaction orchestration, and real-time settlement — built for fintechs, PSPs, and embedded platforms.
What We Build?
Merchant Onboarding Engine
API-based onboarding with document upload, business validation, KYB, and tiering logic
Transaction Switch
Real-time routing to acquirers with fallback, retries, velocity checks, and override rules
Acquirer Integrations
ISO 8583, REST, XML-ready modules with multi-acquirer support and dynamic routing rules
Refund Handling
Dispute workflows with evidence uploads, status tracking, and merchant visibility
Reconciliation Engine
Match acquirer reports with transaction logs and merchant ledger entries
Merchant Portal
Payout reports, webhook logs, balance snapshots, dispute status, and analytics
Platform Capabilities
API-First Architecture
REST APIs, event webhooks, and token-secured endpoints for merchant, acquirer, and admin interfaces
Dynamic Routing Engine
REST APIs, event webhooks, and token-secured endpoints for merchant, acquirer, and admin interfaces
Tokenization Vault
Store cards securely with PCI-DSS certified encryption and token mapping
Refunds & Chargebacks
Manage dispute flows and full/partial refund triggers through UI or API
Risk Filters
Transaction velocity, MCC checks, blacklist, and dynamic rule engine integration
Smart Fees Engine
Define tiered pricing, split commissions, and custom fee logic per merchant or transaction type
Admin Console & Ops Tools
- Merchant onboarding approvals and KYB tier mapping
- Transaction flow overview: acquirer status, retry, latency
- Real-time refund & dispute tracking
- Balance and settlement status per merchant or group
- API logs, webhook retry queues, and delivery status
- Role-based access for compliance, support, ops, and tech
Built for Scale & Control
From high-volume transaction orchestration to acquirer-level logic and merchant-level ledgers — our platform architecture is engineered for scale, resilience, and fine-tuned operational control across geographies.
- Acquirer switching by country, merchant type, or fee bracket
- Embedded settlement trigger engine
- General ledger with double-entry accounting per merchant
- Pre-integrated support for cards, netbanking, UPI, wallets, and more
- Horizontal scaling with stateless microservices
- Ledger rebuild + failover recovery tools
Use Cases
Designed to serve fintechs, platforms, and aggregators across industries — our modular stack adapts to your vertical, payment flow, and compliance needs without rebuilding from scratch.
Why PrimeFin Labs?
Fintech Domain Expertise
Over a decade building secure, high-scale PSP and aggregator stacks
Global-First Stack
Region-neutral platform design, regulation-agnostic logic built-in
Modular Architecture
Plug-and-play switch, ledger, onboarding, and tokenization modules
Fast MVPs
First build in 4–6 weeks; scalable rollout in 8–12 weeks
Tech Partner Support
Swagger, Postman, sandbox keys, and prebuilt test payloads
Infrastructure Grade
Microservices, observability, and fault tolerance from day one