Your payment infrastructure partner

Technology that powers your payment processor

Pay Engineers designs and builds fully independent payment infrastructures — processors, gateways, wallets and marketplaces — with enterprise security, full control and AI-assisted architecture.

Custom acquiring, routing, settlement & merchant lifecycle
PCI-ready security, tokenization & regulatory alignment
Cloud-native stack — scalable from MVP to millions of txns/day

Order a payment processor Contact us Configurator

12+

Years

85+

Projects

99.9%

Uptime

Payment orchestration

AI-assisted routing engine

Live

847ms

Latency

99.98%

Approval

0.12

Risk score

Why Pay Engineers

Engineering payment platforms with precision

From architecture to deployment, we combine deep payment expertise with modern engineering practices — so your infrastructure is secure, scalable and fully under your control.

Senior payment architects on every project
End-to-end delivery from MVP to enterprise scale

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Fully customized

Every architecture is tailored to your business model, markets and regulatory context.

Full infrastructure control

Own your payment stack, business rules, fees and partner integrations.

Enterprise security

Encryption, tokenization, strong authentication and continuous monitoring.

Optimized performance

Low-latency processing, scalable APIs and high-throughput transaction flows.

Scalable architecture

Cloud-native designs that grow with your volume, products and geographies.

Technical partnership

Senior engineers embedded from discovery through deployment and beyond.

By the numbers

Proven expertise at scale

A track record of delivering mission-critical payment infrastructures for ambitious fintechs and enterprises.

Our solutions

Payment products we engineer

From acquiring processors to white-label platforms — each solution is architected for your markets, compliance scope and growth trajectory.

Learn more about Pay Engineers

Payment Processor

End-to-end acquiring infrastructure with routing, settlement and merchant lifecycle management.

Multi-rail processing
Fee engine
Reconciliation
Risk controls

Payment Gateway

Secure payment acceptance layer connecting merchants, acquirers and payment methods.

3DS & SCA
Tokenization
Webhooks
Sandbox API

Merchant Portal

Self-service dashboards for onboarding, reporting, disputes and payout visibility.

KYC workflows
Statements
Dispute center
Role-based access

E-Wallet

Digital wallet platforms with balance management, P2P transfers and card issuance.

Multi-currency
P2P / P2M
Limits engine
Mobile SDK

Marketplace Platform

Split payments, escrow flows and sub-merchant management for platform businesses.

Split payouts
Escrow
Sub-merchants
Commission rules

Escrow

Conditional fund holding and release mechanisms for high-trust transactions.

Milestone release
Dispute handling
Audit trail
Compliance hooks

Payment API

Developer-first REST APIs, SDKs and sandbox environments for rapid integration.

REST / webhooks
SDKs
Idempotency
API analytics

White Label Solutions

Fully branded payment products you can offer under your own identity.

Custom UI
Branded portals
Partner model
Go-to-market speed

Featured services

Expert services for your project

Hand-picked offerings from our catalog — architecture audits, integrations, compliance and full-stack payment development.

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Featured Popular New

Payment Infrastructure

Custom Payment Processor

Own your acquiring stack end to end

We design and build independent payment processors that give fintechs, banks and platforms full ownership of authorisation, routing, settlement and risk logic. The engagement spans scheme connectivity, merchant lifecycle management, fee configuration and compliance hooks, engineered around your corridors and volumes. You end up with a processor you can extend, audit and scale on your own roadmap, not a black box you rent from someone else.

Laravel Java Go +4

15 000,00 EUR

Starting price

1–2 weeks

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Featured Popular

Payment Infrastructure

Payment Gateway

Secure acceptance for every channel

A production-grade payment gateway connecting your checkout to acquirers, card schemes and local payment methods, engineered around strong customer authentication and tokenised credentials. We handle 3-D Secure and SCA orchestration, smart transaction routing and webhook-driven integration so your checkout converts more customers while staying compliant with PSD2 and scheme mandates.

Laravel Node.js PostgreSQL +2

42 000,00 EUR

Starting price

3–6 months

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Featured

Payment Infrastructure

E-Wallet Platform

Balances, P2P and stored value

A multi-currency digital wallet platform with double-entry ledgers, tiered KYC, configurable spending limits and peer-to-peer or person-to-merchant transfers. Built with mobile-ready APIs and optional card top-up rails, the platform gives you a regulated foundation for stored value products across consumer, business or embedded finance use cases. Every balance movement is auditable and reconciled against a single source of truth.

Laravel Go PostgreSQL +2

65 000,00 EUR

Starting price

4–7 months

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Card Issuing Platform

Virtual and physical card programmes

An issuing orchestration platform connecting your product to BIN sponsors and scheme processors, with virtual card issuance, granular spend controls, tokenisation and full lifecycle management. We build the technical layer that sits between your application and issuing partners, covering PIN and 3-D Secure flows plus programme-level reporting. The platform supports virtual-first launches with a clear path to physical card issuance.

Java Laravel PostgreSQL +1

72 000,00 EUR

Starting price

4–8 months

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Featured

Payment Infrastructure

White-Label Payment Suite

Your brand, our payment stack

A fully branded white-label payment suite covering merchant portals, checkout and administrative tooling, so you can bring payment products to market under your own identity. We build multi-tenant architecture from the ground up, letting you onboard multiple brands or partner labels from a single, well-governed platform. The suite includes the go-to-market support needed to launch confidently.

Laravel Vue.js Design system +1

95 000,00 EUR

Starting price

5–8 months

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Featured

Compliance & Risk

EMI / PI Licence Support

From dossier to go-live

Technical and operational packaging that supports Electronic Money Institution or Payment Institution licence applications, built to satisfy what regulators and partner aggregators actually scrutinise. We prepare architecture evidence, policy-aligned system designs and integration plans that turn a compliance narrative into a defensible technical dossier. This is engineering support for a legal and regulatory process, not legal advice itself.

Compliance mapping Architecture docs Partner APIs

Quote on request

2–6 months (parallel to filing)

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Client platforms

Operate your payment stack in one place

Beyond delivery, Pay Engineers gives you dedicated workspaces to configure processors, manage Stripe accounts, run compliance requests and follow every project.

Open client portal

Client dashboard

Orders, invoices, messages and project tracking in a single authenticated portal.

Go to portal

Stripe-Arbeitsbereich

Connect accounts, sync payouts, verify IBANs and request supervised withdrawals.

Explore workspace

Compliance hub

Licences, certificates, technical parameters and connection validation for your processors.

Open compliance

Processor configurator

Define markets, rails and architecture before you order a custom payment processor.

Start configurator

Stripe-Arbeitsbereich

Connect Stripe accounts and run supervised withdrawals

A dedicated workspace inside your Pay Engineers dashboard: multi-account monitoring, live Stripe sync, verified IBANs, withdrawal packs and human-reviewed payout requests — without leaving the platform.

Three connection modes

Managed onboarding, Stripe OAuth or API keys — encrypted and ready to sync.
Live operational data

Balances, payments, transactions, refunds, transfers and payouts per account.
Verified banks & packs

Personal IBANs reviewed by our team, with quotas unlocked by withdrawal packs.
Supervised withdrawals

Every request is status-tracked, notified and audited until funds land.

Explore Stripe workspace Log in to open workspace

Stripe-Arbeitsbereich

Inside your dashboard

Accounts Connect · sync · monitor

Banks IBAN verification

Packs Withdrawal entitlements

Payouts WebScript-reviewed requests

Open “Stripe accounts” from your dashboard sidebar, confirm the enter screen, then manage everything in a dedicated Stripe-coloured workspace.

Insights

From the blog

Product updates, payment architecture notes and practical guides from the Pay Engineers team.

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Featured

Engineering

Event-driven settlement pipelines that finance can trust

From authorisation events to books-ready settlement figures, finance teams need deterministic, replayable pipelines rather than eventual-consistency folklore. We explain how explicit batches, checksum reconciliation and human exception workbenches turn month-end from a fire drill into a routine.

18/07/2026 5 min 3,751 0

Featured

Payment infrastructure

What a modern payment processor actually contains

Beyond "accepting cards": the modules, data flows and operational surfaces that define a production-grade processor. We break down the acquiring core, risk engine, ledger, settlement pipeline and partner connectivity layers most roadmaps forget about until launch is already running late.

17/07/2026 5 min 4,202 0

Featured

Regulation & compliance

EMI vs PI: which authorisation fits your product?

A clear, practical comparison of Electronic Money Institutions and Payment Institutions for European launches. We map product features to licence types, explain the safeguarding implications of each, and show when embedding beats a full own-licence journey.

16/07/2026 5 min 2,731 0

Our methodology

From vision to production

A structured eight-phase framework that de-risks complex payment projects, keeps stakeholders aligned and accelerates time-to-market.

Phases: 8
Delivery: Agile

Clear milestones and sign-off gates
Transparent progress at every phase
Compliance built in from day one

Select a phase to review scope and deliverables.

Business goals, markets, volumes and regulatory constraints.

Stakeholder workshops, payment flow mapping, market research and compliance scoping. Deliverable: requirements baseline and project roadmap.

User journeys, product scope and acceptance criteria.

Merchant and admin journeys, feature prioritization, API contracts and acceptance criteria aligned with business KPIs.

System design, data flows, security and cloud topology.

Infrastructure blueprint, database schema, integration patterns, security model and scalability targets documented for sign-off.

Agile delivery with continuous integration and code quality gates.

Sprint-based delivery, peer reviews, automated tests and staging environments with transparent progress reporting.

Acquirers, banks, KYC providers and internal systems.

Connector development, sandbox certification, webhook flows and end-to-end integration testing with partner systems.

Functional, performance, security and compliance validation.

QA cycles, load testing, penetration testing and PCI/compliance checklists before production readiness.

Production rollout, monitoring and operational handover.

Blue-green or phased rollout, observability setup, runbooks and team training for day-one operations.

SLA-backed support, evolution and regulatory updates.

Monitoring, incident response, feature evolution and regulatory change management under agreed SLAs.

Security & compliance

Trust built into every layer

Payment infrastructures demand the highest security standards. We embed protection and compliance from architecture to operations.

PCI DSS GDPR ISO 27001 AML / KYC SOC 2 PSD2

End-to-end encryption

TLS in transit and encryption at rest for sensitive payment data.

Strong authentication

MFA, API keys, OAuth and role-based access for all portals.

Tokenization

Replace sensitive card data with secure tokens across your stack.

Continuous monitoring

Real-time alerts, anomaly detection and incident response playbooks.

Audit logging

Immutable logs for transactions, admin actions and API access.

Regulatory alignment

PCI DSS, GDPR, AML/KYC and market-specific frameworks per project.

How we partner

Flexible engagement, zero guesswork

Every project starts with clarity — scope, milestones and deliverables defined upfront. We adapt to your stage, from first MVP to enterprise-scale evolution.

Discuss your project

Discovery & scoping

We align on your markets, compliance scope, volumes and product vision before a single line of code is written.

Executive & stakeholder workshops
Business goals and KPI definition
Target markets and corridor analysis
Payment flow mapping (merchant → settlement)
Regulatory & compliance scoping (PCI, GDPR, AML/KYC)
Volume, latency and availability requirements
Competitive landscape review
Technical feasibility assessment
Infrastructure & cloud topology options
Integration landscape (acquirers, banks, KYC)
Risk register and dependency analysis
MVP vs full-scope prioritization
Feature backlog & user story drafting
Architecture options comparison
Project timeline & milestone plan
Resource plan and team composition
Budget range & engagement model fit
Tailored proposal with clear deliverables

Most common

Fixed-scope delivery

A structured project with clear milestones, sign-off gates and transparent progress from architecture to production.

Signed-off requirements baseline
Functional & technical specification
System architecture documentation
Database schema & data model design
API contracts (REST, webhooks, SDKs)
Security model & threat assessment
Sprint-based agile delivery
Bi-weekly demos & progress reports
Peer code reviews & quality gates
Automated unit & integration tests
CI/CD pipeline setup
Staging environment per sprint
Acquirer & partner sandbox integration
QA cycles (functional, regression, UAT)
Load & performance testing
Penetration testing coordination
PCI / compliance checklist validation
Production deployment & runbooks
Team training & operational handover
Hypercare period post-launch

Long-term partnership

Ongoing evolution, regulatory updates and SLA-backed support as your payment platform grows across markets.

Dedicated account & engineering team
Named technical lead & escalation path
24/7 monitoring & alerting setup
Incident response playbooks
SLA-backed uptime & response times
Monthly performance & health reports
Feature evolution roadmap (quarterly)
New market & corridor expansion
Additional acquirer / rail connectors
Regulatory change management
PCI DSS annual maintenance
Security patch & dependency updates
Capacity planning & scaling reviews
Database optimization & archiving
API versioning & backward compatibility
Merchant onboarding workflow improvements
Dispute & chargeback tooling evolution
Analytics, reporting & BI enhancements
Disaster recovery drills & audits
Knowledge transfer & documentation updates

Ready to build your payment infrastructure ?

Whether you need a processor, gateway or full fintech platform — start your project with our payment architects today.

Start your project Contact us