GeekyAnts
Fintech
UPI & Real-Time PaymentsPayment Gateway & SDKCross Border PaymentsDigital WalletsBill Payments

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.

Clutch 4.9 rating with 5 stars
100+Reviews
1000+Projects Delivered

Automate your payment fallbacks now.

550+ Engagements Since 2006 — Trusted By

khataBook
Bambu
Jupiter.Money
goosehead insurance
coinup
PayPenny
ICICI
Sprive
PayPoint
Elever
Elinvar
Bajaj
LAZYPAY
RazorPay
kane
kingsley Gate
Amana
khataBook
Bambu
Jupiter.Money
goosehead insurance
coinup
PayPenny
ICICI
Sprive
PayPoint
Elever
Elinvar
Bajaj
LAZYPAY
RazorPay
kane
kingsley Gate
Amana
khataBook
Bambu
Jupiter.Money
goosehead insurance
coinup
PayPenny
ICICI
Sprive
PayPoint
Elever
Elinvar
Bajaj
LAZYPAY
RazorPay
kane
kingsley Gate
Amana

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.

CUSTOMER STORIES

Client Results and Success

Multi-Country Payments App

Scalable global payments infrastructure

We also delivered a 4,000+ increase in transactions with regional scalability and compliance baked into the platform.

350,000+

downloads

4,000+

increase in transactions

Cloud Cost Optimization for Digital Banking Platform

Cloud cost reduction without performance loss

This cost saving improved operational margins and allowed reinvestment into new product features without sacrificing system reliability or user experience.

60%

Reduction in cloud costs

$57,000+

Annual savings

AI-Powered Mobile Banking App Modernization

Real-time banking with 0 downtime deployments

Customers benefit from faster, more reliable banking interactions, reduced latency, and built-in features like voice banking and dynamic content management.

0

downtime updates

100%

real-time processing

AI-Driven Onboarding Accelerator

40% faster onboarding

This resulted in faster onboarding completion time, reducing drop-offs, and friction during initial account setup.

40%

faster onboarding

RESULTS DELIVERED

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.

TECHNICAL HIGHLIGHTS

Payments and Digital Wallet Services by People Who Have Delivered 1000+ Projects

Event-Driven Architecture (Kafka-Based)

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.
Event-Driven Architecture (Kafka-Based)

Automatic Gateway Failover (Circuit Breakers)

Real-Time ML Fraud Scoring (<100ms)

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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.