Payment Gateway and SDK
We build payment orchestration platforms that route transactions across multiple gateways in real time, selecting the path with the best combination of cost, success rate, and availability at the moment of each transaction.
Our implementations achieve 99.9% uptime, reduce payment failures by 40%, and detect fraud with 95% accuracy, all under 100ms response time, serving BFSI clients across the globe.
100+Reviews
1000+Projects Delivered
550+ Engagements Since 2006 — Trusted By
Single-gateway payment systems often fail quietly. A 15% failure rate may look like a technical issue, but in reality, it translates directly into daily revenue loss. When that one gateway slows down or goes down, every transaction fails with it. There’s no flexibility, no cost optimization, and fraud checks added later are usually too slow to stop real-time risks.
We solve this by introducing a payment orchestration layer. It automatically routes each transaction through the best-performing and most cost-effective gateway in real time. If a gateway starts failing, traffic is instantly redirected before losses pile up. Fraud is checked within 100ms during the transaction itself, not after. Reconciliation is automated, and a Kafka-based event system ensures no transaction data is ever lost.
Business Impacts We Have Made
99.9%
Uptime
With circuit breakers and multi-gateway redundancy, the payment system stays operational even if one gateway degrades. There’s no single point of failure, which makes high uptime actually achievable.
40%
Fewer Payment Failures
Smart routing shifts transactions away from underperforming gateways in real time. This brings failure rates down compared to over 15% typically seen in single-gateway setups.
95%
Fraud Detection Accuracy
Our ML-based fraud engine evaluates every transaction in under 100ms using behavioural models. It catches more fraud than rule-based systems while keeping false declines low.
OUR SERVICES
Our Payment Gateway and SDK Services
Multiple Payment Gateway Integration
We integrate and manage connections to multiple payment gateways within a single orchestration layer, so adding, replacing, or temporarily removing a gateway does not require changes to the application layer or downstream settlement processes.
Smart Routing for Cost Optimization
The routing engine evaluates each gateway's current success rate, transaction cost, and latency at the moment of each transaction — selecting the optimal route dynamically rather than applying a static priority list that becomes stale as gateway performance changes.
Real-Time AI-Powered Fraud Detection
ML models score each transaction for fraud risk within the payment processing window, using behavioural signals and transaction context. Decisions are produced in under 100ms so fraud detection operates as a gate in the transaction flow, not a review process that runs after settlement.
PCI-DSS Compliance Built-In
Compliance is architected into the platform from the start rather than applied as a checklist after the build is complete. This eliminates the retrofit cost that organisations typically face when compliance requirements are treated as a post-launch concern.
Automated Settlement and Reconciliation
Settlement data from each gateway is automatically matched against bank statements through a reconciliation pipeline, identifying discrepancies without manual comparison and producing clean settlement records for finance teams without overnight batch delays.
Webhook Handling and Event Streamig
Payment events are streamed through a Kafka-based event architecture. Downstream systems receive events reliably without polling, and no event is lost during gateway outages or processing spikes.
Comprehensive Payment Analytics
Real-time analytics across all gateways give operations teams visibility into success rates, failure reasons, fraud patterns, and cost per transaction, segmented by gateway, payment method, geography, and time period, without building a separate reporting layer.
OUR OFFERINGS
Complete Payments and Digital Wallet Services for Global Enterprises and Startups
TECHNICAL HIGHLIGHTS
Payments and Digital Wallet Services by People Who Have Delivered 1000+ Projects
Every payment event, authorization, routing decision, gateway response, refund, chargeback, and settlement is published instantly to a Kafka stream.
This ensures:
- No transaction event is lost
- Systems stay decoupled and scalable
- Real-time analytics without database overload
- Full audit trail of every transaction
Even during traffic spikes or gateway instability, the system remains stable.
Each gateway is continuously monitored for the success rate, latency, and error spikes. If performance drops below defined thresholds:
- Traffic is immediately rerouted
- The degraded gateway is isolated
- Load shifts to healthy gateways
- Traffic is gradually restored once stable
This prevents visible failure spikes and protects approval rates.
Fraud checks happen inside the transaction flow, not after settlement.
The model evaluates:
- Transaction amount and category
- Device fingerprint
- User behaviour history
- Velocity and anomaly signals
Features are served from a real-time Redis-backed store.
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What You Need to Know
FAQs About Our Payment Gateway and SDK Service
A standard gateway integration connects your application to a single payment provider. If that provider degrades or fails, your transactions fail with it. Payment gateway orchestration sits above multiple gateway integrations and makes routing decisions at the transaction level — selecting which gateway to use based on real-time success rate, cost, and latency data. The application layer does not change when gateways are added, replaced, or taken offline. Orchestration is the architectural layer that makes multi-gateway redundancy operationally manageable rather than just theoretically possible.
The routing engine evaluates each active gateway against three parameters at the moment of each transaction: current success rate for the transaction type and currency, per-transaction cost, and current latency. These are weighted against a configurable priority model and a decision is produced in milliseconds. The routing decision is logged as part of the transaction record, so analytics can show which routing choices produced which outcomes over time — enabling continuous model refinement without manual analysis.
The model scores each transaction against a feature set that includes transaction amount, merchant category, device fingerprint, historical behaviour patterns, and velocity signals. Features are retrieved from a Redis-backed store that is updated in near real time rather than on a batch cycle — which is what keeps the model responsive to behavioural shifts. The score is produced in under 100ms, which keeps it within the transaction processing window so it can gate the transaction rather than flag it for post-settlement review.
It means compliance requirements are addressed at the architecture design stage rather than retrofitted after the build. Cardholder data is tokenized at entry and never stored in application databases. Audit logs are generated automatically at the infrastructure level. Access controls are applied at the data layer, not just the application layer. Network segmentation isolates the payment processing environment from other system components. When an external QSA reviews the implementation, the compliance evidence exists in the architecture rather than in compensating controls applied after the fact.
Settlement files arrive from each gateway on their own schedule and in their own format. The reconciliation pipeline ingests each file, normalizes it, and matches each settlement record against the corresponding internal transaction record. Matches are confirmed automatically. Unmatched records — due to timing differences, partial settlements, or gateway errors — surface as exceptions with the data needed to investigate them. This replaces a manual process where finance teams download settlement reports and compare them against internal records in spreadsheets, which scales poorly as transaction volume increases.
Circuit breakers monitor each gateway's error rate and response time on a rolling window. When either metric breaches the configured threshold, the circuit breaker opens, and the routing engine stops sending traffic to that gateway immediately — before the failure rate becomes visible in aggregate statistics. Traffic is redistributed to the remaining gateways based on the current routing model. When the degraded gateway recovers, the circuit breaker closes gradually, routing a small percentage of traffic back before fully reinstating it.
A full payment orchestration platform — covering multi-gateway integration, smart routing, ML fraud scoring, automated reconciliation, and event streaming — typically runs fourteen to twenty weeks from architecture sign-off to production. The range depends on the number of gateways in scope, the complexity of existing settlement workflows, and whether the ML fraud model is built from scratch or adapted from an existing model. We assess scope during the discovery phase before committing to a timeline.
The system is handed over production-ready, load-tested, and documented. Your team can maintain and extend it independently. We do not build on proprietary frameworks that require ongoing vendor involvement to operate. If your team wants a formal support arrangement post-launch, that is a separate conversation.
In most BFSI organizations, the decision sits across both. Engineering owns the integration architecture and gateway SLA requirements. Finance owns settlement, reconciliation, and cost per transaction. Our engagements typically involve both stakeholders from the discovery phase, because routing optimization decisions affect cost structures that finance needs visibility into, and reconciliation automation affects workflows that finance currently owns manually.