Payment aggregator software that routes, reconciles, and clears at scale. We build the aggregator, switch, gateway, and processing layers for PSPs, banks, and fintechs, the PA / PG / Switch stack that keeps money moving and PCI auditors calm.
Book a payments consult
85%
Long-term Partnerships
75%
Mid-to-Senior Engineers
5+
Avg. Years of Engineer Experience
98%
Would Recommend Us
You are probably here because one of these is true.
What we build across the payments stack.
We cover the full PA / PG / Switch stack - the gateway, the switch, the processing layer, or the full aggregator - each one built with PCI and reconciliation designed in.
Onboard merchants and aggregate their flows.
Merchant onboardingSub-merchant managementSettlement and payoutsRisk and fraud screening
Merchant onboarding, sub-merchant management, and settlement under one platform, the PA layer that lets a PSP aggregate flows across many merchants.
Accept cards and wallets across channels.
Card and wallet acceptanceTokenisation and 3DSHosted and API checkoutMulti-currency support
Card, wallet, and bank transfer acceptance across web and mobile - the front door to your processing layer, with tokenisation and 3DS built in.
Route and authorise across every rail.
Multi-rail routingISO 8583 and API protocolsAuthorisation and clearingFailover and retries
Multi-rail routing and authorisation across card networks, banks, and wallets - the core that keeps the stack fast and resilient under load.
Reconcile, settle, and report at scale.
Reconciliation engineSettlement and clearingChargeback and dispute flowReporting and audit
Reconciliation, settlement, and reporting for every transaction - the back office that keeps the books accurate and the regulators satisfied.
our financial software development services practice, covering core banking software, payments, lending, insurance, and forex.
Built for every vertical.
Why PSPs pick us for this.
Our team has shipped switches and gateways in production before, so the build is resilient, not just tidy on a slide.
Tokenisation, encryption, and PCI DSS scope are designed into the processing layer from the first sprint, not patched in before launch.
You work with senior payments engineers, not a junior team learning payments software on your budget.
Our processing layer settles and reconciles to the cent, so the whole stack keeps the books and the auditors clean.
Our achievements display our capabilities
Selected work real outcomes.
A few of the products and platforms we have shipped across fintech, healthcare, logistics, hospitality, and SaaS.
View All Case StudiesSenior payments engineers from day one, pairing you with people who have shipped switches and gateways in production before - not an account manager relaying notes.
Start a payments build{ 01 }· Week 1
We learn your flows, the rails you touch, and the PCI scope that binds them, so the core architecture and compliance boundary are written down before any build.
{ 02 }· Week 2 to 3
We design routing, tokenisation, and reconciliation for your gateway and processing layers, with PCI controls and audit trails built in.
{ 03 }· Build
Each layer is built through custom application development in tested increments, load-tested and hardened for the throughput the stack demands.
{ 04 }· Launch and run
We ship the aggregator to production and stay on for monitoring, settlement accuracy, and the next release on your roadmap.
Trusted voices. Real outcomes.
“We truly appreciated their dedication, technical expertise, and problem-solving approach.”
Young Onion
Department Head
“I was blown away by the knowledge the team had about creatives, e-commerce, website design, and optimization.”
Decathlon Sports India
Image Leader
“They have a good team of designers and project managers who help us with the designs using HTML, Angular, and React.”
Instarama
COO
“Their creativity stands out. A collaborative team that delivered high-quality solutions working closely with us.”
CodeGama LLP
Business Developer
“The product has become more intuitive and user-friendly. Load times dropped significantly after their work.”
Qoruz
Co-Founder
“Their commitment to timely delivery was impressive.”
CurleyStreet Media
Business Development Rep
“We truly appreciated their dedication, technical expertise, and problem-solving approach.”
Young Onion
Department Head
“I was blown away by the knowledge the team had about creatives, e-commerce, website design, and optimization.”
Decathlon Sports India
Image Leader
“They have a good team of designers and project managers who help us with the designs using HTML, Angular, and React.”
Instarama
COO
“Their creativity stands out. A collaborative team that delivered high-quality solutions working closely with us.”
CodeGama LLP
Business Developer
“The product has become more intuitive and user-friendly. Load times dropped significantly after their work.”
Qoruz
Co-Founder
“Their commitment to timely delivery was impressive.”
CurleyStreet Media
Business Development Rep
“Simply put, the quality of their code is excellent. They integrated third-party software and ensured GDPR compliance.”
VIA IOM
Director
“What impressed us most was how well they understood our brand and translated it into clean, thoughtful designs.”
GD Farm Fresh
Director
“Their team was patient, courteous, responsive, and technically proficient throughout the entire project.”
Studio by Nandita Manwani
Partner
“Zethic Technologies generally delivers on time and in line with our requirements – deployed in 30+ countries.”
SABA Hospitality
Executive Director
“Zethic built the features specifically to match our internal workflow and business needs. Professional and on time.”
Coral Publishers
Executive
“Zethic Technologies is a true partner.”
Geordana
CEO
“Simply put, the quality of their code is excellent. They integrated third-party software and ensured GDPR compliance.”
VIA IOM
Director
“What impressed us most was how well they understood our brand and translated it into clean, thoughtful designs.”
GD Farm Fresh
Director
“Their team was patient, courteous, responsive, and technically proficient throughout the entire project.”
Studio by Nandita Manwani
Partner
“Zethic Technologies generally delivers on time and in line with our requirements – deployed in 30+ countries.”
SABA Hospitality
Executive Director
“Zethic built the features specifically to match our internal workflow and business needs. Professional and on time.”
Coral Publishers
Executive
“Zethic Technologies is a true partner.”
Geordana
CEO
Ways to work with us.
The same senior team and the same way of working, shaped to how much you already have in-house. Most clients start with one and move between them as they grow.
A scoped piece of work with a clear deliverable, timeline, and price. Best when the definition of done is clear.
A senior pod embedded in your tools and rituals, shipping every sprint. Best when you want capacity without a long hiring cycle.
Questions, answered.
An aggregator lets a PSP onboard merchants and aggregate their transaction flows under one platform. For the full breakdown of payment gateway vs payment aggregator, the gateway accepts payments, the switch routes and authorises them across rails, and the processing layer reconciles and settles. We build all three as one platform.
The switch routes and authorises transactions across card networks, banks, and wallets, handling protocols like ISO 8583 and modern APIs with failover and retries. It is the core of a PA / PG / Switch stack, keeping payments fast and resilient even under heavy load.
Yes. PCI compliance is the spine of everything we build. We follow the same payment gateway security principles we apply across every engagement, designing tokenisation, encryption, 3DS, and PCI DSS scope into the gateway and processing layers from the first sprint, and we run security testing before anything ships.
Cost is scoped after a short discovery that maps your rails and PCI boundary. A focused gateway build costs less than a full PA / PG / Switch stack with processing included. We agree the cost and timeline before any code is written.
Yes. Our processing and switch layers are built to integrate with card networks, acquiring banks, wallets, and local rails. We map every integration during discovery so the stack talks to the rails you need from day one.
Tell us what you are building and where you are stuck. A senior payments engineer replies within one working day, no sales script. This build sits within Zethic's broader AI and digital solutions practice.
Tell us the build
Share your payment flows, rails, and PCI scope. We sign an NDA so it stays between us.
Talk it through
A senior engineer digs into the payment switch software, the rails, and what success looks like for you.
Get a clear plan
A scoped payment gateway roadmap with an honest cost band and a PCI-aware delivery plan.
Tell us what you are building and where you are stuck. A senior payments engineer replies within one working day, no sales script. This build sits within Zethic's broader AI and digital solutions practice.
