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Back to Fin-Tech & Banking

Fin-Tech & Banking

Payment Processing System

Secure payment gateway and processing system with multi-currency support, fraud detection, and PCI compliance.

Complexity:Enterprise
Timeline:~24 weeks
paymentsgatewayfraud detectionPCI compliance
Payment Processing System

About

Secure payment gateway and processing system with multi-currency support, fraud detection, and PCI compliance.

Features

1. Multi-Method Payments

Accept cards, ACH, wallets, and alternative payment methods.

2. Subscription Billing

Recurring payments with plan management and proration.

3. Fraud Prevention

Real-time fraud scoring, 3D Secure, and chargeback management.

4. Settlement & Payouts

Automated settlement with flexible payout schedules.

5. Reporting Dashboard

Transaction analytics, reconciliation, and financial reporting.

Technical Development

Payment Gateway

  • Tokenization
    PCI-compliant card tokenization for secure storage and recurring use
  • Authorization
    Real-time auth with retry logic and fallback routing
  • Settlement
    Batch settlement with automated reconciliation and exception handling

Risk Management

  • Fraud Scoring
    ML models analyze transaction patterns, device fingerprints, and behavior
  • 3D Secure
    Liability shift with frictionless and challenge flows for authentication
  • Chargeback Defense
    Automated evidence compilation and representment submission
1. Gateway Design Payment flows Multi-currency 2. PCI Compliance Data tokenization Secure storage 3. Integration Layer Processor APIs Webhook handlers 4. Testing & Launch Transaction testing Fraud rules

Key Features

Everything you need for a powerful payment processing system solution

Multi-gateway Support

Integration with major payment gateways

Recurring Payments

Subscription billing and recurring charges

Fraud Detection

AI-powered fraud prevention and risk scoring

PCI Compliance

Level 1 PCI DSS certified infrastructure

Multi-currency

Accept payments in 135+ currencies

Refund Management

Automated and manual refund processing

Settlement Reports

Detailed reconciliation and settlement data

Developer API

RESTful APIs for seamless integration

How much does it cost to build a Payment Processing System app?

Carefully assess all aspects of your project, including the resources required, estimated timeframes, potential costs, and expected outcomes, to ensure a comprehensive understanding of its scope and feasibility

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Technologies
TypescriptTypescriptNode.jsNode.jsPostgreSQLPostgreSQLStripeStripeRedisRedis

Ready to build your payment processing system?

Let's discuss your project requirements and create something great together.

Get in touchExplore Fin-Tech & Banking