Payment Gateway & PSP Integration Services
Every failed transaction is lost revenue and a trust hit. Hurain Technologies designs and builds payment integration layers — from single PSP connections to full payment orchestration hubs — for fintechs, digital platforms, and marketplaces that need reliable, reconcilable, multi-currency and multi-rail payment flows, including crypto on/off-ramps.
Quick answer
Which PSPs and payment methods can you integrate?
We integrate global and regional PSPs, card networks, bank transfer rails, wallets, and QR-based payment methods, selected to match your target markets. Founder Shahnavaz Syed leads a DBA team, development team and hosting team with 15+ years of experience each, so your payment gateway integration project is designed, built and hosted by the same accountable group. Pricing starts at US$20–40 per hour; final charges and timeline are set after we confirm your requirements, and depend on your budget and the team members assigned to the project.
Reviewed by Shahnavaz Syed, Founder · Last updated
Overview
What payment gateway & psp integration services actually involves
Payment infrastructure is judged almost entirely on what happens in the failure cases — the declined card that should have been retried on a different acquirer, the settlement file that doesn't quite match the ledger at month-end, the customer in a market where the PSP you integrated doesn't support their preferred local payment method. A checkout that works when everything goes right is table stakes; the actual engineering problem is building a payment layer that degrades gracefully and recovers automatically when something inevitably doesn't go right.
That's the lens we build through: routing logic that knows which PSP is currently performing best for a given card type and geography, retry logic that distinguishes a genuinely declined transaction from a transient failure worth retrying, and reconciliation that treats a mismatch as an exception to investigate rather than something a human re-checks by hand every single day.
The Challenge
Problems we see teams struggling with
High transaction failure and decline rates
Poor PSP routing and retry logic silently loses revenue on every failed or declined transaction.
Manual reconciliation overhead
Finance teams spend days manually matching PSP settlement reports against internal ledgers.
Limited payment method coverage
Missing local payment methods and currencies caps conversion in new markets.
No unified view across multiple PSPs
Operating multiple PSPs without a central orchestration layer makes routing, reporting, and risk management inconsistent.
FX cost leakage on cross-border transactions
Without FX-aware routing, businesses absorb worse conversion rates and hidden markup on every cross-border transaction than necessary.
Checkout abandonment from unsupported local methods
Requiring a card when local users expect a wallet, bank transfer, or QR payment method caps conversion before checkout even begins.
Our Approach
How Hurain Technologies solves it
Payment orchestration & routing
Smart routing across multiple PSPs based on cost, success rate, and geography, with automated failover.
PSP & payment method integration
Cards, bank transfers, wallets, QR payments, and local payment methods integrated behind a single API.
Cross-border & multi-currency rails
FX-aware payment flows, local acquiring, and cross-border settlement built for global operators.
Crypto on/off-ramp integration
Fiat-to-crypto and crypto-to-fiat payment rails integrated into existing checkout and wallet flows.
Automated reconciliation
Ledger-matching engines that reconcile PSP settlement files against internal transactions automatically, flagging exceptions only.
Payment hub development
A central payment hub giving finance and product teams one dashboard across every PSP and rail.
Local payment method expansion
Adding region-specific rails — bank transfers, QR payments, mobile wallets — so checkout matches what customers in each market actually expect to use.
Technology
Tech stack we work with
Integration
Backend
Reconciliation
Security
Smart routing works by continuously scoring each PSP's real-time performance — approval rate by card BIN range and geography, latency, and cost — and selecting the best-performing route for each transaction rather than sending everything through a single default provider. When a transaction fails, the retry logic distinguishes between a hard decline (insufficient funds, expired card) that shouldn't be retried and a soft decline or timeout that's worth an automatic retry through an alternate PSP, which alone typically recovers a meaningful share of transactions that would otherwise be lost.
Reconciliation automation works by ingesting each PSP's settlement file, normalizing it against a common transaction schema, and matching it line-by-line against your internal ledger. The goal isn't to automate away finance's judgment — it's to make sure a human only looks at the genuine exceptions (a settlement that doesn't match any known transaction, a fee that doesn't match the expected rate card) instead of re-verifying thousands of transactions that already reconcile cleanly.
Use Cases
Where payment gateway & psp integration services gets used
Multi-PSP checkout orchestration
A single checkout API that routes across multiple PSPs behind the scenes, improving approval rates without the product team managing multiple integrations.
Cross-border marketplace payouts
FX-aware payment flows that settle sellers or partners across multiple countries and currencies from a single payment hub.
Subscription and recurring billing
Retry logic and dunning management tuned specifically for failed recurring charges, which have different failure patterns than one-time checkout.
Crypto-to-fiat checkout options
Adding stablecoin or crypto payment options alongside cards and bank transfers behind one unified checkout experience.
Finance team reconciliation automation
Replacing spreadsheet-based settlement matching with an automated ledger-matching engine that surfaces only genuine exceptions.
Local payment method rollout
Adding region-specific rails when expanding into a new market where card-only checkout would cap conversion.
Proof
Results we've delivered
Client Result
A cross-border marketplace needed to cut checkout failure rates across 12 markets. Hurain Technologies built a payment orchestration layer with smart PSP routing and automatic retries, reducing transaction failure rate from 9.2% to 2.1% and increasing reconciled settlement accuracy to 99.98%.
Process
How an engagement runs
- 1
Payment stack audit
We review current PSPs, failure rates, and reconciliation pain points.
- 2
Orchestration architecture design
Routing rules, failover logic, and rail selection mapped to your markets and volume.
- 3
Integration & tokenization build
PSP connections, wallet integrations, and secure tokenization implemented and tested.
- 4
Reconciliation automation
Ledger-matching rules configured against your accounting and reporting systems.
- 5
Go-live & monitoring
Phased rollout with real-time transaction monitoring and alerting.
Engagement Models
How we structure the work
Single PSP integration
A focused integration with one payment provider, fixed-price and scoped, for teams that need one rail done well before expanding further.
Full orchestration hub build
A dedicated pod engagement building the complete routing, reconciliation, and multi-PSP orchestration layer for platforms handling meaningful volume.
Reconciliation automation sprint
A focused 3-4 week engagement to replace manual settlement matching with an automated ledger-matching pipeline.
Post-launch optimization retainer
Ongoing tuning of routing rules and PSP performance analytics as your transaction mix and markets evolve.
Pitfalls
Mistakes we see teams make
Retrying every failed transaction the same way
Blindly retrying a hard decline wastes a customer's time and can trigger fraud flags; only soft failures should be retried automatically.
Treating reconciliation as a monthly finance task
Waiting until month-end to reconcile settlement data means discrepancies are weeks old before anyone notices them, by which point root-causing them is far harder.
Hardcoding a single PSP as the only rail
Platforms that integrate one PSP directly into checkout logic face a costly rewrite when they eventually need a second provider for redundancy or new markets.
Ignoring FX cost transparency
Cross-border businesses that don't actively route for FX cost often absorb thousands of dollars a month in avoidable conversion markup without realizing it.
Glossary
Key terms explained
- PSP (Payment Service Provider)
- A company that processes payments on behalf of a merchant, handling the connection to card networks and banking rails.
- Acquiring bank
- The bank that holds a merchant's account and receives funds from card transactions on the merchant's behalf.
- Chargeback
- A forced transaction reversal initiated by a cardholder's bank, typically due to a dispute, fraud claim, or non-delivery of goods.
- Tokenization
- Replacing sensitive card data with a non-sensitive token for storage and processing, so raw card numbers never need to touch your core systems.
- 3-D Secure
- An authentication protocol (like Verified by Visa) that adds a cardholder verification step to reduce fraud and shift chargeback liability.
- Settlement file
- A report a PSP provides listing the transactions it has processed and the funds it will transfer, used as the basis for reconciliation.
FAQ
Payment Gateway Integration — frequently asked questions
Which PSPs and payment methods can you integrate?
Can you build crypto payment options into our existing checkout?
How does automated reconciliation work?
Do you help reduce transaction decline rates?
Is your integration PCI DSS aligned?
Can you help us add local payment methods in a new market?
How is failed-payment retry logic different from just resubmitting the same transaction?
Can you reduce our FX costs on cross-border payments?
Do you build the complete payment gateway integration solution, or only integrate with what we already use?
We are not sure about our budget yet. Can you still help?
Guides
Choosing a payment gateway integration partner
Markets We Cover
Payment Gateway Integration by country
Local regulatory context and delivery details for payment gateway integration in each market we serve.
Live Demos
A selection of platforms we've designed and built
Real, working builds across fintech, compliance, healthcare, and commerce — the same engineering team would build your payment gateway integration project.
UMARSOB Data
Android VTU/data-reseller platform with wallet, agent/referral system, and admin panel.
Open live demoNexa
SaaS-style product dashboard and workflow UI for a fintech platform.
Open live demoAML Compliance Suite
Anti-money-laundering compliance and case-monitoring suite.
Open live demoDebt Management
Debt management and collections tracking platform.
Open live demoHospital Management
Hospital/clinic management system covering patient records, appointments, staff, and billing.
Open live demoDMI CHW App
Offline-first Community Health Worker counseling app with a central management platform, built for an NGO client.
Open live demoHomemakers Pro
Enterprise operations system for a domestic staffing agency covering bookings, staff, and client management.
Open live demoE-Commerce (Multi-Locale)
E-commerce storefront demo with multi-language, locale-based support.
Open live demoMars
Legal web application prototype.
Open live demoBusiness value
What Payment Gateway & PSP Integration Services does for your business
Benefits for your company
- Higher payment success. Smart routing, retries and local methods reduce failed checkouts and recover revenue that is otherwise lost.
- Automatic reconciliation. Webhook-driven matching of PSP, wallet and bank records cuts finance workload and month-end errors.
- Faster market entry. One integration layer lets you switch or add PSPs and payment methods without rebuilding checkout.
How it can earn or save money
- More completed orders. Local payment methods and better authorisation rates turn more visitors into paying customers.
- Lower processing cost. Routing between providers by cost and success rate reduces the fees you pay per transaction.
- Payments as a product. Marketplaces and platforms can earn a take-rate or payout fee on payments they facilitate.
Illustrative revenue and saving lines, not guaranteed results: outcomes depend on your market, licences and execution.
How we work
How we deliver Payment Gateway Integration
Every payment gateway integration engagement follows the same staged, quality-gated process — shaped around your requirements. You see progress every day, review it every week, and give written sign-off at every milestone before any payment is due.
- 01
Discover
PCI scope set- Payment-flow workshops
- PSP & rail selection
- Compliance scoping (PCI DSS)
- Signed scope
- 02
Design
Flows approved- Orchestration architecture
- Ledger & reconciliation model
- Tokenisation design
- Fraud-rule design
- 03
Build
Sandbox passed- PSP adapter sprints
- Idempotent payment APIs
- Settlement & refunds
- Demo every sprint
- 04
Secure & Test
Reconciled & UAT- PCI DSS scope review
- Reconciliation tests
- Failover & retry tests
- UAT with real flows
- 05
Deploy
Live traffic OK- Staged traffic routing
- Live PSP credentials
- Monitoring & alerts
- Go-live checklist
- 06
Handover
Ops handed over- Role-based sessions
- Recorded walkthroughs
- Admin & ops runbooks
- Documentation handover
- 07
Support
SLA active- Dedicated engineer
- SLA helpdesk
- Patches & upgrades
- Quarterly reviews
Client sign-off at every milestone — you approve the working result before you pay.
You always know what was done today — and what happens next
A written daily update, a weekly work overview and a live demo every sprint — so there are no surprises at milestone time.
Every working day
- What was completed today
- What is planned for tomorrow
- Blockers and decisions needed from you
- Links to builds you can try
Every Friday, with a live call in your business hours
- Features completed and demo recordings
- Progress against the current milestone
- Risks, open questions and change requests
- Plan and priorities for next week
End of every sprint and milestone
- Working software demonstrated live
- Your feedback captured in the backlog
- Quality-gate checklist shared
- Written sign-off before any payment
Payment plan
Pay only for work you have accepted
Milestones are customised to your requirements — six or more is typical, and delivery time is agreed around your scope. Every payment after the advance is released only after you have seen the working result and given written sign-off. Here is an example plan:
| Payment | Milestone & acceptance | Share |
|---|---|---|
| Advance | Contract signing Signed contract; payment-flow workshops and PCI DSS scoping. | 10% |
| Milestone 1 | Architecture approved Orchestration, ledger and reconciliation design signed off. | 15% |
| Milestone 2 | First rail live in sandbox Payment APIs, ledger and first PSP connector working. | 15% |
| Milestone 3 | All rails connected Remaining PSPs, refunds and settlement working in staging. | 15% |
| Milestone 4 | Certification & tests PCI DSS scope review, failover and reconciliation tests passed. | 15% |
| Milestone 5 | UAT sign-off Real payment flows accepted by your team. | 15% |
| Milestone 6 | Live traffic & handover Staged production routing, monitoring and ops handover. | 15% |
| Total | 100% | |
- Number of milestones and splits set around your scope
- Every milestone is a working, demonstrated result
- No payment is due until you sign off
Warranty & annual support
Protected after launch — warranty and annual support for your Payment Gateway Integration project
Go-live is where your payment gateway integration product starts earning — so we stay accountable for it. Every project includes a free 90-day defect warranty. After that, the same team that built it keeps it secure, updated and running on a fixed annual fee agreed up front — no open-ended hourly billing, no surprise invoices.
Included free
90-day warranty
Any defect found in the first 90 days after go-live is fixed free of charge.
- Every delivered feature covered
- Fixes tested and deployed to production
- Same engineers who built it
Fixed-cost annual package
30% of project cost
per year for Annual Support & Maintenance, with a dedicated developer assigned to your payment gateway integration platform. A fixed price, known in advance.
| Service | Included in the annual package |
|---|---|
| Dedicated developer | One named developer assigned to your product for fixes, enhancements and optimisation. |
| Bug fixes & security patches | Critical issues resolved within 24 hours; standard issues within 5 business days. |
| Upgrades & new releases | Framework, library and platform updates plus new versions of what we built, at no additional cost. |
| Helpdesk | Email and phone support for your team and administrators; 4-hour response for critical issues. |
| Backup monitoring | Daily backup checks and a quarterly restore test. |
| Security review | Periodic audit-trail review and security configuration check. |
| PSP & scheme changes | Provider API versions, card-scheme and 3-D Secure changes applied before their deadlines. |
| Reconciliation checks | Settlement and reconciliation exceptions reviewed and resolved every day. |
Source code & IP ownership
100% of the source code and IP is owned by you
For every custom payment gateway integration project, upon full and final payment the complete source code and intellectual property are transferred to you — so you can host, maintain and enhance the system with any developer.
- Payment orchestration, ledger and admin source code
- PSP merchant accounts and credentials in your name
- Reconciliation rules and ops runbooks
- Complete Git repository with full commit history
- Database schemas, migrations and seed data
- Configuration, CI/CD and deployment scripts
- API documentation and a deployment guide
No lock-in
No forced upgrades
No subscription trap
Your code lives in your own repository from the first commit.
Continuous enhancement
Launch is just the beginning — keep shipping with your own dedicated team
Your payment gateway integration platform should get better every month, not stand still after go-live. Start with one dedicated developer working on your priorities across apps, dashboards and backend — and grow to a full team of developers and support members whenever your roadmap demands it.
Dedicated team, your way
From one developer to a full team
Pricing is based on the team members you need — tell us your requirements and we will quote your team.
- Start any time after launch
- Hire developers as you need them
- Scale up, scale down or pause
What your team can take on after launch
- New wallets, BNPL and local payment methods
- Checkout conversion improvements
- Merchant dashboards and settlement reports
- New PSPs, payment methods and currencies
- Smarter routing and fraud rules
- New reports, payouts and reconciliation automation
Need more hands? Add developers and support members as your requirements grow
Start with one person and add only the roles your payment gateway integration roadmap needs — each is quoted to your requirements.
Development team
Payments backend developer
Adds payment methods, routing rules and ledger features.
Integration engineer
Connects new PSPs, banks, acquirers and third-party APIs.
Frontend developer
Builds and refines the web screens and dashboards your users see.
QA engineer
Writes and runs manual and automated tests before every release.
DevOps engineer
Keeps pipelines, environments and deployments fast and reliable.
Support team
L1 helpdesk support executive
First contact for your users and staff — logs, triages and resolves common issues.
L2 technical support engineer
Investigates bugs, data issues and integrations, and escalates to developers with full context.
Merchant support executive
Helps merchants with onboarding, payments and settlements.
Payment operations support
Resolves failed payments, refunds and payout issues.
Reconciliation & disputes support
Handles settlement breaks, chargebacks and disputes.
Our Approach
Our approach to development methodologies
Our approach to custom software engineering draws on a range of methodologies, each selected to match the needs of your payment gateway integration project.
Agile Scrum
Best for: Evolving products
Two-week sprints with a working demo at the end of each, so payment gateway integration priorities can change as you learn from users.
Kanban
Best for: Continuous delivery & support
A visual flow of small tasks with work-in-progress limits — ideal for maintenance, integrations and post-launch improvements.
Fixed-scope (Waterfall-style)
Best for: Well-specified builds
Requirements signed off up front with a fixed timeline and price — best when scope is clear and change is unlikely.
Lean MVP
Best for: New ventures
Build the smallest payment gateway integration release that proves demand, measure it with real users, then invest where the data points.
DevOps & CI/CD
Best for: Every project
Automated tests, infrastructure-as-code and push-button deployments so releases are frequent, reversible and boring.
Security-by-design (DevSecOps)
Best for: Regulated & high-value systems
Threat modelling, dependency scanning and code review built into each sprint rather than a pen test at the end.
Why we're different
What sets Hurain Technologies apart
Plenty of agencies can build payment gateway integration. Here is what sets us apart for clients worldwide.
Engineering depth, not a reseller
Your payment gateway integration project is designed and built by our own in-house engineers — no hidden subcontracting chain between you and the people writing code.
Built for your market, not a template
Payments, tax, language and data-protection requirements for your target market are part of the design from day one instead of retrofitted after launch.
Transparent, senior-led delivery
A named project lead, a shared backlog, fortnightly demos and direct Slack access to the engineers — you always know what is being built and why.
Cost advantage without cutting corners
Delivering from India gives clients worldwide senior engineering at a fraction of typical onshore agency rates, with the same code-review, testing and security standards.
You own everything
Source code lives in your repository from the first commit; IP, infrastructure accounts and documentation transfer to you in full.
We stay after launch
Monitoring, updates and a support SLA mean the team that built your product is the team that keeps it running.
Flexible engagement models
How we work with payment gateway integration clients worldwide
Ways to work together, depending on how your team and roadmap are set up.
Dedicated Development Team
An extended team of payment gateway integration engineers, QA and architects working exclusively on your product, managed day-to-day by you with our engineering leadership behind them.
Best for: Long-term products and evolving roadmaps
Fixed-Cost Delivery
A clearly scoped payment gateway integration build with a defined timeline and price — ideal for a well-specified MVP, integration or launch product.
Best for: MVPs and clearly defined projects
Hybrid Engagement
Keep product and regulatory decisions close to your team while our specialists handle deep engineering remotely, with workshops or on-site visits at key milestones.
Best for: Enterprises and regulated businesses
Why businesses choose us
Why businesses choose Hurain Technologies
16+ years of engineering depth
Custom software engineering with in-house teams across web, mobile, cloud, AI, payments and blockchain.
Security-first by default
Encryption, least-privilege access, audit logs — and MPC/HSM custody and audited smart contracts where money is on-chain — designed in, not retrofitted.
Regulatory-aware architecture
Designed with your target market's regulatory direction in mind and built alongside your licensed local legal counsel.
Direct access, no layers
Direct Slack or Teams access to your development team during the build, and the same people for post-launch support.
Business benefits
What you gain
Faster time to market
An experienced payment gateway integration team with proven components means your first release ships in weeks, not quarters.
Security-first architecture
Secure from day one, rather than patched after an audit or incident.
Aligned compliance groundwork
Controls, logs and data handling built around your target market's requirements so reviews go faster.
Lower total cost of ownership
Clean, documented, tested code that your own team can maintain — plus post-launch monitoring and support.
What happens next
From your payment gateway integration enquiry to a working demo — in about a day
- 01Within 10 minutes
We respond to your enquiry
Send your payment gateway integration enquiry by form, email or WhatsApp — a few lines is enough. Our team replies within 10 minutes, any day, any time, to set up a meeting at a time that suits you.
- 02Requirements meeting
We understand your requirements
In a focused meeting we go deep on your users, features, integrations, timeline and budget — so we build exactly what your business needs. NDAs signed on request.
- 03Within 24 hours
You see a demo of your payment gateway integration
Within 24 hours of our meeting we prepare and share a demo — so you see your payment gateway integration taking shape before you commit to anything.
- 04As per your budget
We share a tailored proposal
A clear proposal for your payment gateway integration project with scope, milestones, team and timeline — shaped around your budget, with no hidden costs and no obligation.
Available 24×7 — three 8-hour shifts, every day
Ready to start your payment gateway & psp integration services project?
Get a response within 10 minutes, a demo within 24 hours of our meeting, and a proposal as per your budget.