Our payment gateway software development team designs and builds 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 call
50+
Payment Integrations
99.99%
Designed Uptime
25+
Solutions Delivered
Built for teams at specific moments.
How it works, end to end.
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.
End-to-end payment gateway software development, from custom architecture to ongoing optimization. Built modular, so you can pick what fits your roadmap and add the rest as you grow.
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. For the full architecture, see our guide to building a custom 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. If you are looking to create payment gateway infrastructure in India, our step-by-step guide covers the RBI and NPCI specifics.
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.
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.
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. As a FinTech Software Development Company, we tune these models against real payment fraud patterns.
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. Planning a budget? See our detailed breakdown of payment gateway development cost.
Not all of this needs to ship on day one.Tell us where you are, we will tell you where to start.
Our technology
A modern, production-tested stack chosen for security, throughput, and long-term ownership. Pick what fits your roadmap, swap what does not.
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.
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.
You work with engineers who have shipped real switches, ledgers, and acquirer integrations. Not account managers, not juniors learning the domain on your project.
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.
Every gateway we build ships with bank-grade security and the compliance posture a regulated payments business needs.
Payment solutions across industries.
Selected work Real outcomes.
Selected projects across fintech, banking, logistics and SaaS.
View All Case StudiesOur achievements display our capabilities
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
A proven four-phase approach that ships enterprise-grade payment infrastructure on time.
Book a call{ 01 }· 1-2 weeks
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.
{ 02 }· 2-week sprints
Checkout, merchant dashboards, and the admin console designed for conversion. The gateway engine, API layer, and integrations built in agile sprints with weekly demos.
{ 03 }· Before go-live
PCI DSS audit support, penetration testing, load testing at high throughput, sandbox validation, and end-to-end transaction testing before anything goes live.
{ 04 }· Go-live and ongoing
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.
Engagement models, built to fit.
Senior payments engineers embedded in your team, shipping every sprint. Choose the contract shape that matches how you build.
Defined deliverables, timeline, and budget for gateway projects with clear milestones. Ideal for MVP builds and platform launches.
A senior payments team embedded in your workflow, shipping every sprint. Daily standups, weekly demos, two-week cycles.
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. If you would rather license than build, our white-label payment gateway platform is ready to brand and configure.
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.
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.
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.
