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.

NDA Protected
Response within 24hrs
No Obligation

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

CUSTOMER STORIES

Client Results and Success

Multi-Country Payments App

Scalable global payments infrastructure

We built a robust multi-country payments application that enables secure transfers, cross-border payments, and real-time transaction flows across regions with an intuitive UX for customers and admins.

350,000+

downloads

4,000+

increase in transactions

Cloud Cost Optimization for Digital Banking Platform

Cloud cost reduction without performance loss

We optimized infrastructure for a high-growth fintech platform, cutting AWS cloud costs by 60% while maintaining performance and uptime.

60%

Reduction in cloud costs

$57,000+

Annual savings

AI-Powered Mobile Banking App Modernization

Real-time banking with 0 downtime deployments

We upgraded a public sector bank’s mobile app to improve performance, security, and customer experience using event-driven architecture and real-time processing.

0

downtime updates

100%

real-time processing

AI-Driven Onboarding Accelerator

40% faster onboarding

We deployed AI transcription and RAG-powered workflows to enhance onboarding experiences in the healthcare domain, which overlaps with regulated, identity-intensive journeys similar to fintech.

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.

OUR OFFERINGS

Complete Payments and Digital Wallet Services for Global Enterprises and Startups

UPI & Real-Time Payments

We build production-grade UPI systems with custom native QR scanners, NPCI SDK integration, and transaction lifecycle management.

Payment Gateway & SDK

We build payment gateway integrations and SDK implementations that maintain 99.9% uptime through smart routing 

Cross-Border Payments

Our cross-border payment systems support multi-currency transfers across regulatory environments.

Digital Wallets

We build enterprise-grade digital wallet systems with a synchronisation architecture that keeps wallet state consistent across devices and sessions.

Bill Payments

We implement BBPS-integrated bill payment flows built into a single self-service experience.

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)

Featured content

Our Latest Thinking in Payments and Digital Wallets

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A short read on how integrating payment systems can have massive benefits for your business

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Build with us.Accelerate your Growth.

Customized solutions and strategiesFaster-than-market project deliveryEnd-to-end digital transformation services

Trusted By

Build with us.
Accelerate your Growth.

  • Customized solutions and strategies
  • Faster-than-market project delivery
  • End-to-end digital transformation services

Trusted By

WeworkSKFDardenOlive GardenGoosehead InsuranceThyrocare
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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.