Card and PCI Standards
- PCI DSS Level 1 ready
- CoF tokenization (RBI)
- Visa and Mastercard rules
- RuPay specs
- EMV and 3D Secure 2
- QSA-led audit support
Payment Gateway Software Development
We design and build the payment infrastructure behind banks, fintechs, and enterprise platforms. From custom gateway architecture to AI fraud detection, you get a system that clears audits, scales with volume, and stays fully yours.
Schedule a call50+
Payment Integrations
99.99%
Designed Uptime
25+
Solutions Delivered
These brands, Trust Us
Built for teams at specific moments.
Where are you right now?
01Building from scratch
You need a gateway, not a workaround.
Off-the-shelf processors take 2 to 3 percent per transaction and box you into their roadmap. A custom gateway with direct acquirer integrations pays for itself once volume picks up.
Your own gateway, your business logic, your margins back.
02Outgrowing your stack
Legacy payment rails are slowing you down.
Aging infrastructure means high failure rates, slow settlement, and no clean way to add UPI, wallets, or cards. Every new method turns into a six-month project.
Modern rails added in parallel, no platform freeze, no rewrite.
03Bank or PSP
You need a partner who has shipped switches.
You sit between regulator, bank, and merchant, and you need engineers who have built real switches, ledgers, and acquirer integrations. Not account managers learning on your timeline.
A production switch and merchant console under your brand.
How it works, end to end.
How a payment gateway actually works
The journey of a single payment, from the moment your customer taps Pay to when the money lands in your bank account. Five steps, mostly happening in under a second.
How a payment gateway actually works
- 01. Customer pays: Your customer taps Pay with their card, UPI ID, wallet, or net banking at checkout.
- 02. Your checkout sends it: Your website or app hands the payment off to the gateway over a secure, encrypted channel.
- 03. Gateway protects it: Encryption, tokenization, fraud scoring, and smart routing happen in under a second.
- 04. Bank approves the charge: The card network and the customer's bank approve or decline the payment in real time.
- 05. Money in your account: Funds settle to your business bank account in T+1 or T+2 working days.
What happens inside the gateway
- Encryption: Card data is encrypted end to end. Raw numbers never get stored on your servers.
- Tokenization: Card numbers swapped for safe tokens, which keeps your PCI scope tiny.
- Fraud detection: Every transaction is scored in real time before it goes through.
- Smart routing: Each charge takes the route most likely to be approved by the bank.
- 3D Secure 2: Risk-based extra check that blocks fraud without killing conversion.
Architecture Review
Book the reviewSee what a gateway you actually own looks like, mapped to your roadmap.
What we build for payment teams
End-to-end payment gateway development, from custom architecture to ongoing optimization. Built modular, so you can pick what fits your roadmap and add the rest as you grow.
Custom Gateway and API Development
A gateway built from the ground up around your business logic, compliance needs, and scale targets. Comes with REST APIs, SDKs, webhooks, and sandbox environments so partners can integrate without friction.
PCI DSS Level 1REST APISDKs and Webhooks
A gateway built from the ground up around your business logic, compliance needs, and scale targets. Comes with REST APIs, SDKs, webhooks, and sandbox environments so partners can integrate without friction.
White-Label Payment Gateway
A turnkey, fully brandable gateway for fintechs, banks, and SaaS platforms. Launch under your own name in weeks, with merchant onboarding, settlement management, and an admin console included.
BrandableMerchant PortalTurnkey
A turnkey, fully brandable gateway for fintechs, banks, and SaaS platforms. Launch under your own name in weeks, with merchant onboarding, settlement management, and an admin console included.
Payment Orchestration and Smart Routing
A multi-processor routing engine that picks the cheapest, most likely to succeed path in milliseconds. Smart retry on soft declines and automatic failover keep approval rates high when a processor has a bad day.
Multi-PSPSmart RetryFailover
A multi-processor routing engine that picks the cheapest, most likely to succeed path in milliseconds. Smart retry on soft declines and automatic failover keep approval rates high when a processor has a bad day.
Mobile and Cross-Border Payments
Native iOS and Android SDKs, wallet integration, QR and NFC payments, plus multi-currency processing with real-time forex. Local methods supported across India, the Middle East, Europe, and North America.
Mobile SDKsMulti-CurrencyUPI, SEPA, ACH
Native iOS and Android SDKs, wallet integration, QR and NFC payments, plus multi-currency processing with real-time forex. Local methods supported across India, the Middle East, Europe, and North America.
AI Fraud Detection and Risk Management
Machine learning risk scoring, real-time monitoring, behavioral analytics, and chargeback prevention. Our models cut fraud sharply while keeping false positives low, so good customers are not turned away.
ML ScoringReal-TimeChargeback Prevention
Machine learning risk scoring, real-time monitoring, behavioral analytics, and chargeback prevention. Our models cut fraud sharply while keeping false positives low, so good customers are not turned away.
Recurring Billing, Analytics, and Migration
A subscription engine with dunning, proration, and revenue recognition, paired with live dashboards for monitoring and reconciliation. Plus zero-downtime migration off legacy systems with a phased cutover.
SubscriptionsAnalyticsMigration
A subscription engine with dunning, proration, and revenue recognition, paired with live dashboards for monitoring and reconciliation. Plus zero-downtime migration off legacy systems with a phased cutover.
Build with us
Book a scoping callNot all of this needs to ship on day one.Tell us where you are, we will tell you where to start.
Our technology
Find the best technology for your payment gateway
A modern, production-tested stack chosen for security, throughput, and long-term ownership. Pick what fits your roadmap, swap what does not.
Why teams choose Zethic for payments
Fully Owned by You
Your repository, your cloud, your IP. We build for ownership from the first commit. No white-label lock-in, no proprietary runtime, and no license fees after handover.
Compliance from Day One
We architect to PCI DSS Level 1 from the start, not as a last-minute review. Cardholder data is tokenized, scope is kept small, and every action on the money path leaves a tamper-evident trail.
Senior Payments Engineers
You work with engineers who have shipped real switches, ledgers, and acquirer integrations. Not account managers, not juniors learning the domain on your project.
Enterprise Scale, Day One
We design for the volume you are heading toward, not the volume you have today. No re-platforming when you grow from ten thousand to ten million transactions a day.
Security and compliance, built in.
Everything an auditor will ask for, already covered
Every gateway we build ships with bank-grade security and the compliance posture a regulated payments business needs.
Encryption and Data Protection
- AES-256 at rest and in transit
- Field-level PII encryption
- HSM and cloud KMS
- TLS 1.2 plus everywhere
- DPDP Act 2023
- GDPR for UK and EU exposure
Fraud, Risk, and Onboarding
- Real-time ML risk scoring
- Device fingerprinting
- Velocity and geo rules
- Merchant KYC and KYB
- Sanctions and PEP screening
- Chargeback prevention
Performance and Resilience
- Sub-second processing
- 99.99 percent uptime SLA
- Auto-scaling architecture
- Smart retry and routing
- Append-only event log
- BCP and DR runbooks
RBI and Regulators
- PA and PG guidelines
- RBI IT framework
- NPCI and UPI specs
- FEMA and cross-border
- CERT-In reporting
- Regulator-ready reports
InfoSec and Audit
- ISO 27001 controls
- SOC 2 Type II ready
- OWASP top-10 hygiene
- VAPT before go-live
- Tamper-evident audit trail
- Incident reporting
Payment solutions across industries.
Built for how your industry actually moves money
Selected work Real outcomes.
Featured Work
Selected projects across fintech, banking, logistics and SaaS.
View All Case StudiesZ-Policy Management
Policy ManagementRBI ComplianceAudit TrailWorkflow
Replaced fragmented spreadsheets and email approvals with one policy system aligned to RBI, GDPR, and ISO.
Read Case Study
Z-IT Governance
IT GovernanceChange ManagementSOC ReadyApprovals
Moved IT change management off email. Every project now moves through approvals, security gates, and testing with an audit trail at the end.
Read Case Study
Z-Vendor Management
Vendor ManagementSLA TrackingTicketingInvoicing
Vendor tickets, SLAs, communication, and invoicing in one system. Branches stopped losing track of who was waiting on whom.
Read Case Study
Z-Branch Banking
Branch OpsCustomer 360Legacy IntegrationRole-Based
Replaced the legacy FLEXCUBE front end with a role-based operations portal. Staff move through transactions faster without us touching the core.
Read Case Study
Awards and Recognition
Our achievements display our capabilities
Trusted voices. Real outcomes.
What Our Clients Say
“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
How we build your payment gateway
A proven four-phase approach that ships enterprise-grade payment infrastructure on time.
Book a call{ 01 }· 1-2 weeks
Discovery and architecture
We map your requirements, compliance needs, integration scope, and payment flows. You leave with a reference architecture, a technology choice, and a clear build plan.
Reference architectureBuild planTech selection
{ 02 }· 2-week sprints
Design and development
Checkout, merchant dashboards, and the admin console designed for conversion. The gateway engine, API layer, and integrations built in agile sprints with weekly demos.
Checkout UXGateway engineWeekly demos
{ 03 }· Before go-live
Security audit and testing
PCI DSS audit support, penetration testing, load testing at high throughput, sandbox validation, and end-to-end transaction testing before anything goes live.
PCI auditPen testingLoad testing
{ 04 }· Go-live and ongoing
Launch and optimization
A blue-green deployment, real-time monitoring, and go-live support. After launch we tune approval rates, add features, and back it with an SLA.
Blue-green deployApproval tuningSLA support
Engagement models, built to fit.
Pick the model that fits your roadmap
Senior payments engineers embedded in your team, shipping every sprint. Choose the contract shape that matches how you build.
Defined deliverables
Fixed-Scope Project
Defined deliverables, timeline, and budget for gateway projects with clear milestones. Ideal for MVP builds and platform launches.
- Fixed price and timeline
- Milestone-based delivery
- Detailed SOW and specifications
- Risk mitigation built in
- Post-launch warranty included
Get a fixed quoteFrom 8 weeks to launch
RecommendedLong-term partnership
Dedicated Team
A senior payments team embedded in your workflow, shipping every sprint. Daily standups, weekly demos, two-week cycles.
- Full-time senior payments engineers
- Agile, sprint-based delivery
- Direct team comms on Slack and your tools
- Scale the team up or down as you grow
- Monthly billing, no lock-in
Discuss team setupFrom 4 weeks onboarding
Frequently Asked Questions
It is the process of building a secure platform that handles electronic payments between customers and merchants. That covers the checkout interface, the transaction processing engine, fraud detection, payment method integrations like cards, UPI, and wallets, and merchant dashboards, all with PCI DSS compliance at the core.
It depends on scope. An MVP is far lighter than a full enterprise platform. The main cost drivers are the number of payment methods you integrate, your compliance requirements, how sophisticated fraud detection needs to be, and multi-currency support. We share an honest band after a 30-minute scoping call.
A focused MVP with the switch, ledger, reconciliation, a couple of acquirer integrations, a merchant console, and basic risk rules can go live in roughly 14 to 18 weeks. A full enterprise gateway with many instruments and advanced risk usually takes 6 to 12 months. You see working modules every sprint.
The gateway is the customer-facing technology that captures, encrypts, and transmits payment data to the processor. The processor is the backend that talks to card networks and banks to authorize and settle the transaction. The gateway is the front door, the processor is the engine room. Many modern builds combine both.
Yes. PCI DSS compliance is required for any system that stores, processes, or transmits cardholder data. Level 1 is the highest tier and applies at large transaction volumes. Even below that, PCI DSS protects against breaches, reduces your fraud liability, and is required by Visa and Mastercard for merchant onboarding.
Yes, that is one of our core offerings. You get a fully functional, brandable gateway with your logo, colors, and domain, ready to offer to merchants. It includes a merchant onboarding portal, settlement management, customizable checkout, API documentation, and an admin dashboard.
You do, fully. Code lives in your repository, infrastructure runs in your cloud, and the IP belongs to you. We do not white-label, we do not hold runtime dependencies hostage, and we do not charge license fees after handover. That is the whole point of working with an engineering partner instead of a platform vendor.
Yes. We offer 24/7 monitoring and incident response, SLA-backed uptime, performance and approval rate optimization, security patching, and feature work. Support plans are tailored to your transaction volume and how critical the system is.
Let's build your payment gateway
Tell us your stage, your roadmap, and where you are stuck. A senior payments engineer will reply within one working day. No SDR, no slideware.
Tell us where you are
Building from scratch, modernizing, or running a PSP, share your context. We sign an NDA before any specifics.
Speak to an engineer
A senior payments engineer joins the call within two working days to map your roadmap and constraints.
Get a real plan
A reference architecture, a scope band, and an engagement model tailored to your stage. No slideware.
Let's build your payment gateway
Tell us your stage, your roadmap, and where you are stuck. A senior payments engineer will reply within one working day. No SDR, no slideware.