Payment Gateway Software Development
Custom-built payment infrastructure with real-time routing, 3D Secure, tokenization, and global card acceptance — ready for compliance and scaled for growth.
What We Build?
From multi-acquirer routing to real-time analytics and regional integrations, our payment gateway systems are custom-designed for modern financial operations. Whether you’re building a PSP, launching a merchant platform, or integrating with banks — we’ve got you covered.
Real-Time Processing
Sub-100ms response times, auto-retries, and zero-lag webhooks for time-sensitive flows.
Smart Routing & Risk
BIN-based routing, fallback logic, and velocity filters to optimize approvals and cost.
Multi-Currency Support
Accept, settle, and reconcile across 50+ currencies with localized UI and formats.
Tokenization & 3DS v2
Vaulted cards, 3DS v2 flows, and reduced PCI scope through secure card handling.
Unified Operations View
Role-based dashboards for ops, merchants, and finance—with real-time KPIs.
T+1 Settlement Engine
Auto-close, split payments, and export-ready BI feeds for seamless reconciliation.
Compliance-First Approach
Every payment gateway is designed to meet the world’s strictest compliance requirements — so you can scale globally with confidence.
- PCI-DSS Level 1 Certified Infrastructure
- GDPR & PSD2 Aligned Architecture
- ISO 27001 Security Protocols
- End-to-End Encryption + TLS 1.3
- Transaction Monitoring & Velocity Checks
- Audit Trail Logging & Role-Based Access
Integrations Ecosystem
Visa, Mastercard, AmEx, UnionPay — with full-stack connectivity to card scheme APIs. We support BIN tokenization, network token provisioning, interchange profiling, smart routing, and issuer-level data extraction.
Our platform enables seamless 3DS2 orchestration, dynamic currency conversion (DCC), and fallback handling for high-risk merchant categories.
Plug into advanced fraud scoring tools like Sift, Signifyd, and Arkose with prebuilt connectors. Leverage real-time velocity filters, behavioral biometrics, device fingerprinting, IP intelligence, bot detection, and risk-based challenge flows.
Our architecture allows dynamic rule tuning, fraud ring detection, and custom scoring model integration via API.
Region-specific onboarding integrations with Trulioo, Sumsub, IDNow, and others. Features include document OCR (MRZ, selfie, proof of address), liveness detection, video KYC, sanctions screening, adverse media checks, and politically exposed person (PEP) classification.
We support AML transaction monitoring rules, case management workflows, and audit logging for compliance teams.
Connect seamlessly with QuickBooks, Xero, NetSuite, SAP, and other ERP suites. Map transactions to general ledger accounts, automate settlement reconciliation, and generate real-time P&L summaries.
Custom chart-of-accounts mapping, tax code syncing, invoice batching, and financial period locking supported via API or SFTP-based data exchange.
Native integrations with domestic acquirers, international processors, and card scheme networks via ISO 8583, ISO 20022, SWIFT MT, and modern REST APIs.
Enable push/pull payment initiation, settlement file generation, inward remittance reporting, and multi-currency disbursement flows — with built-in message parsing, failover routing, and FX markup logic.
Native integrations with domestic acquirers, international processors, and card scheme networks via ISO 8583, ISO 20022, SWIFT MT, and modern REST APIs.
Enable push/pull payment initiation, settlement file generation, inward remittance reporting, and multi-currency disbursement flows — with built-in message parsing, failover routing, and FX markup logic.
Customization & White Labeling
Whether launching your own PSP, offering embedded payments, or adding card processing to your fintech stack — we deliver branded, modular platforms that reflect your workflows, branding, and regulatory footprint.
Multi-Tenant Management
Onboard, isolate, and manage merchants under a unified admin layer.
Flexible Deployment Models
Deploy as SaaS, on-prem, or hybrid — based on your operational needs.
White-Label Ready
Launch your own PSP or aggregator stack — without starting from scratch.
Brand-Ready UI
Fully customizable for web, mobile apps, merchant and admin portals.
Jurisdiction Compliance
Built-in support for regional mandates, licensing rules, and reporting formats.
Custom Logic Layers
Tailored transaction flows, routing behavior, and role-based access.
Business Intelligence & Dashboard
Live Transaction Feed
Monitor real-time payment activity with instant visibility into approvals, declines, and retries.
Success & Error Heatmaps
Quickly identify high-failure corridors, peak load issues, or routing anomalies.
Merchant-Level Insights
Break down volume, approval rates, chargebacks, and profitability by merchant, region, or product.
Settlement & Reconciliation Logs
Trace ledger movements, payout schedules, and unresolved exceptions with precision.
Custom Alerts & Thresholds
Set alerts for velocity, fraud indicators, or system errors — delivered via email or webhook.
Revenue & Fee Analytics
Track fee earnings, interchange costs, FX margins, and payout deductions at a glance.
User Behavior Trends
Analyze drop-offs, payment method preferences, and conversion flow across devices.
BI API Access
Integrate all dashboard metrics into your own data warehouse or reporting system via secure API.
Use Cases
From regulated licensure to marketplace orchestration, we’ve delivered payment gateway expertise where it matters.
Why PrimeFin Labs?
Fintech Focus
10+ years building wallets, gateways, and payout systems — we specialize in fintech, and nothing else.
Modular Systems
Composable APIs for ledgers, onboarding, routing, and settlement — easy to integrate, scale, and customize.
SLA-Backed Support
Uptime, incident management, and proactive response you can count on.
Fast Deployment
MVPs in under 20 days using sprint-tested payment modules.
Compliance-Ready
Built with regulatory foresight, audit trails, and global certifiability.
Infrastructure Grade
Microservices, observability, and fault tolerance from day one