MVP core
3–5 months
Single corridor, cards + one bank rail, admin console, sandbox and go-live checklist.
Premium service
Your payment processor, fully customized
Design and deploy your own payment infrastructure: gateway, merchant portal, wallet, marketplace, regulatory compliance and bespoke APIs.
2012
Founding year
Independent payment engineering practice
3–12 mo
Typical delivery
From scoped MVP to full production stack
40+
Payment methods
Cards, wallets, bank rails and local schemes
48 h
First response
On qualified configurator and order briefs
Why build your own
Why a proprietary payment processor?
Own your financial flows, cut intermediation costs and tailor every feature to your business model — authorisation, routing, settlement, risk and reporting under rules you control.
Full independence
Control your business rules, fees and partners without relying on a third-party PSP.
Security & compliance
PCI DSS, KYC/KYB, AML, tokenization and encryption built in from day one.
Multi-currency & global
Accept payments worldwide with the methods tailored to each market.
Advanced reporting
Real-time dashboards, exports, statements and custom financial analytics.
APIs & integrations
REST API, webhooks, developer sandbox and complete technical documentation.
White Label
Merchant and customer portals fully branded to your identity.
Markets
Industries we serve
From neobanks to marketplaces, each sector brings different rails, risk profiles and settlement patterns — we scope the processor around those constraints, not a generic template.
Fintech
Neobanks, lenders and embedded finance cores.
E-commerce
High-volume checkout, retries and settlement.
Marketplace
Split payouts, escrow and seller KYB.
SaaS
Subscriptions, usage billing and tax hooks.
Gaming
Wallets, in-game value and payout rails.
Travel
Multi-currency capture and delayed settlement.
Healthcare
Sensitive data flows with strict access control.
Crypto & Web3
On/off ramps and stablecoin corridors.
Logistics
COD, freight billing and partner payouts.
B2B
Invoices, ACH/SEPA and approval workflows.
Comparison
Own processor vs rented PSP
When volume, corridors or commercial rules outgrow a generic provider, owning the core becomes a strategic advantage — not just a technical preference.
Dimension
Your processor
Typical PSP
Fee & pricing control
Full control of interchange-plus, blended and custom plans
Provider pricing; limited override
Product roadmap
You decide modules, rails and release cadence
Wait for vendor features or workarounds
Data & audit
Full ledger access and exportable audit trails
Dashboards and exports you do not own
Regulatory posture
Demonstrate technical control to auditors
Depend on provider attestations
Exit & IP
Stack you can operate and extend
Migration cost and lock-in risk
Rails & methods
Methods tailored to each market
We wire the adapters your corridors actually need — not a generic catalogue of unused methods. New rails can be added without rewriting the core.
Cards
Visa, Mastercard, Amex, local schemes, 3-D Secure, network tokens
Bank rails
SEPA, ACH, Faster Payments, wire transfers, open banking where available
Wallets
Apple Pay, Google Pay, regional wallets and closed-loop balances
AFR & LATAM
Mobile money, local APMs, cash-in partners and corridor-specific settlement
Crypto & stablecoins
On/off ramps, stablecoin corridors and treasury-friendly reporting
BNPL & alternative
Installments, invoices, virtual accounts and B2B approval flows
Planning
Indicative timeline & scope bands
Exact quotes follow discovery. These bands help product, finance and engineering align before you open a formal order.
Growth stack
5–8 months
Multi-method acquiring, merchant portal, reconciliation, webhooks and risk hooks.
Enterprise platform
8–12+ months
Marketplace splits, wallets, multi-region ops, advanced reporting and compliance packages.
Budgets depend on corridors, certifications and integrations. Use the configurator for a structured estimate, then convert to a formal order when ready.
Platform modules
What your processor can include
Every build is scoped from the configurator. These are the capability blocks teams most often combine into a production-ready stack.
Acquiring & routing
Authorisation, capture, void, refunds, multi-acquirer routing and failover rules tailored to your markets.
Merchant lifecycle
Onboarding, KYB, risk scoring, fee plans, settlement calendars and merchant self-service portals.
Tokenization vault
Card vaulting, network tokens, PAN replacement and PCI-scoped storage with audit-ready controls.
Wallets & stored value
Customer wallets, ledgers, top-ups, P2P transfers and balance holds for marketplaces or closed-loop schemes.
Marketplace split
Seller payouts, commission engines, escrow holds, dispute windows and multi-party settlement.
Ops & finance console
Reconciliation, statements, chargeback workflows, role-based admin and exportable audit trails.
Architecture
Built in layers, owned by you
We design a stack you can operate, audit and evolve — not a black-box PSP integration you cannot leave.
01
Edge & APIs
Public REST APIs, signed webhooks, rate limits, idempotency keys and sandbox environments for your engineering team.
02
Payment core
Orchestration engine, method adapters, risk hooks, ledger postings and settlement jobs with clear domain boundaries.
03
Data & security
Encrypted secrets, PCI-scoped components, role-based access, immutable event logs and backup / DR practices.
04
Operations UX
Admin console, merchant portal, customer-facing flows and reporting packages branded to your organisation.
Engagement scope
What you receive with a build
Beyond working software: documentation, environments and a handover your team can run.
Source & deployment
- Production-ready codebase
- CI/CD pipelines
- Staging + production envs
Integrations
- Payment method adapters
- Bank / scheme connectors
- Webhook consumers
Documentation
- API reference
- Runbooks & ops guides
- Architecture diagrams
Enablement
- Admin training sessions
- Go-live checklist
- Post-launch support window
How we deliver
Our delivery process
A milestone-driven programme from first scoping to production — with sandbox certification, documentation and a structured handover to your ops team.
01
Qualification
8-step configurator: markets, rails, modules, compliance needs and volume assumptions.
02
Study & quote
Architecture review, risk & corridor analysis, budget band and commercial proposal.
03
Development
Iterative builds: core engine, adapters, portals, sandbox tests and scheme certification.
04
Go live
Production deploy, runbooks, team training, hypercare window and continuous improvements.
FAQ
Frequently asked questions
Depending on complexity, between 3 and 12 months. Our order assistant lets us estimate a timeline right from qualification.
Yes. Your progress is saved at every step. You will get a link to resume whenever you like.
Cards, SEPA, ACH, transfers, wallets, crypto, stablecoins and any method specific to your market.
Yes: KYC, KYB, AML, PCI DSS, GDPR and standards applicable to your region. Dedicated packages are also available via Authorizations & Compliance.
Commercial terms define IP. Most builds include licensed use of the delivered stack with source access for your ops team — confirmed in the proposal.
Typically sandbox/staging and production, with CI/CD, secrets management and runbooks so your engineers can deploy safely.
Yes. Merchant and customer experiences can carry your brand, domains and communication templates.
Run the intelligent configurator, then either submit a processor order or contact sales. We respond within 48 hours on qualified briefs.
Client voices
Trusted by teams like yours
"Pay Engineers delivered our gateway in 6 months. The team truly masters the regulatory challenges."
"Premium support from scoping to go-live. Our marketplace now processes thousands of transactions."
"The code quality and API documentation are outstanding. Seamless integration with our existing stack."
Premium service
Ready to launch your payment infrastructure?
Complete our assistant in a few minutes. Our team gets back to you within 48 hours.
Reconciliation
- stl_2026_07_21 Matched
- stl_2026_07_20 Matched
- stl_2026_07_19 Pending
- chb_88421 Review
Go-live schedule
This week
09:00
Sandbox certification
Cards · 3-D Secure
14:00
Ops training
Admin · runbooks
Illustrative ops UI — your console is branded and scoped to your corridors.