Payment Gateway Development Services help businesses build secure, scalable, and compliant payment systems that support multiple payment methods, reduce fraud, and deliver seamless checkout experiences. Unlike third-party gateways that create hidden costs, integration issues, and limited data visibility, custom gateways give you full control over experience, compliance, and margins.
Designed for individuals and SMBs seeking faster access to credit, our solutions prioritize security, regulatory readiness, and full data transparency. With built-in KYC/AML, configurable business rules, and API-based extensibility, Zymr enables you to scale confidently and adapt quickly to evolving market and compliance requirements.
Zymr develops enterprise-grade payment platforms designed for PCI DSS compliance, high performance, and global scale. Our solutions enable flexible checkout designs, multi-acquirer routing for higher approval rates, support for local/global payment methods, and direct connections to banks, card networks, e-wallets, and fraud/AML tools. You own your transaction data, manage risk proactively, and can evolve the platform to unlock new revenue streams and partner ecosystems.
Custom Payment Gateway Development Services
We design and build custom payment gateways tailored to your business model, transaction flows, and compliance needs. From high-volume processing to niche payment experiences, we create secure, scalable, and flexible gateways that you fully control.
End-to-End Gateway Engineering
We build your payment gateway from the ground up—architecture, protocols, data models, secure hosting, and full-stack development. Core capabilities include authorization, capture, refunds, multi-party settlements, recurring billing, and batch processing.
PCI DSS Compliance Management
Our compliance experts handle requirement mapping, documentation, audits, and implementation of PCI DSS Level 1 controls—network security, access governance, file integrity monitoring, continuous pen-testing, and recertification support.
Multi-Processor & Cross-Border Routing
Boost approval rates and reduce transaction costs by connecting to multiple global acquirers (Stripe, Adyen, Cybersource, Worldpay, PayU, banks). Smart routing adjusts based on region, BIN, time, or transaction value. Direct interchange access opens new markets.
Fraud Detection, KYC & AML Integration
We integrate machine learning fraud engines, 3DS2/OTP, device fingerprinting, and behavioral analytics. Seamless onboarding and compliance through APIs to providers like Onfido and ComplyAdvantage for real-time KYC/AML and sanctions screening.
Marketplace & Platform-Specific Capabilities
For SaaS and marketplace platforms, we enable split payments, sub-merchant onboarding, rolling reserves, scheduled payouts, dynamic fees, and dispute handling. Admin panels simplify reconciliation, settlements, and compliance visibility.
API-First & Developer-Friendly Tools
Our gateways ship with clean REST/GraphQL APIs, SDKs in major languages, and event/webhook frameworks. Merchants onboard fast with white-label docs, sandbox environments, and complete developer tooling.
API-First & Developer-Friendly Tools
Our gateways ship with clean REST/GraphQL APIs, SDKs in major languages, and event/webhook frameworks. Merchants onboard fast with white-label docs, sandbox environments, and complete developer tooling.
Reporting & Analytics
Get real-time dashboards for performance, risk, and revenue insights. Automated exports for accounting, auditing, and tax. Webhooks and APIs support fully automated reporting workflows.
Lifecycle Support & Upgrades
We offer 24/7 monitoring, PCI recertification, security patching, and continuous enhancements. Your gateway evolves with new payment standards, regulations, and market requirements.
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Start nowCore Features We Develop
Our custom payment gateways support multi-currency processing, recurring billing, refunds, chargeback handling, fraud detection, and real-time transaction monitoring. We ensure PCI-DSS compliance, tokenization, and end-to-end data encryption for secure payment experiences.
Secure Payment Processing
- Authorization, capture, settlement & batch processing
- End-to-end encryption, tokenization & continuous PCI compliance
Global Payments & Multi-Entity Support
- Multi-currency, multi-country & multi-merchant workflows
- Cross-border routing & support for global/local payment methods
Platform, Billing & Marketplace Capabilities
- Split payments, scheduled payouts, recurring billing & invoicing
- Virtual terminal & merchant-specific workflows
Customizable Experience
- Fully branded checkout & dynamic user journeys
- White-label merchant dashboards & portals
Developer & Integration Tools
- REST/GraphQL APIs, test sandboxes & error simulation
- Support for custom merchant logic & extensions
Analytics & Reporting
- Real-time dashboards for business, revenue & fraud monitoring
- Automated reports for compliance, audit & anomaly detection
Fraud, Risk & Compliance
- AI/ML fraud scoring, rule-based checks, velocity limits
- 3DS2/SCA authentication flows
- KYC/AML onboarding with ID verification, biometrics & sanctions screening
- Automated dispute management & real-time chargeback alerts
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Start nowSuccess Stories in Payment Gateway Engineering
Case Studies
E-Commerce Platform Unlocks International Growth
A leading retail marketplace needed to reduce cart abandonment and expand into LATAM and Asia. Zymr built a custom PCI DSS-compliant gateway, prioritizing cross-border routing, local method support, and 24/7 real-time fraud detection. Checkout time was reduced by 45%, chargebacks dropped by 38%, and the merchant saw a 120% increase in successful international transactions within one year.
Project Details →
Case Studies
Subscription SaaS Launches Recurring, Multi-Currency Gateway
A fast-scaling SaaS company outgrew its third-party processor. Zymr delivered a custom recurring billing engine, integrating direct bank debit, card, PayPal, and crypto options, all with dual PCI DSS and GDPR compliance. Automated dunning, smart retries, and customer self-service reduced churn by 20%. The new gateway saved $850K in transaction fees annually and enabled split payouts for collaborative revenue shares.
Project Details →
Case Studies
Crypto Marketplace Delivers Regulatory-Grade Payments
A regulated crypto exchange faced unique challenges: onboarding users in 100+ countries, supporting both fiat and digital currencies, and passing rigorous audits. Zymr engineered a gateway with embedded KYC/AML, IP/geofencing, instant crypto-fiat conversion, and API-driven reporting. The system handled 80,000+ concurrent payments on launch day, which drove a 400% spike in trading, and garnered glowing regulator reviews for transparency.
Project Details →
Why Choose Us
With deep expertise in fintech engineering, compliance, and scalable architecture, Zymr builds payment gateways that balance performance, security, and cost efficiency. We help fintechs, banks, and SaaS providers accelerate digital payments innovation.
Decades of combined experience in payments, banking IT, and fintech security
PCI DSS, PSD2, GDPR, SCA, and regional regulatory knowledge baked into our process
API-first engineering, rapid MVP delivery, and scalable microservices architecture
Proven accelerators for fast merchant onboarding and operator dashboards
Excellent support for long-term partnerships, maintenance, compliance, and feature upgrades
Strong vendor and ecosystem relationships (banking, KYC, fraud, acquirer partners)
Technology Stack
Backend
Go, Node.js, Python, Java (Spring), and .NET Core.
Frontend
React.js, Angular, and Vue.js.
Database
PostgreSQL, MongoDB, Oracle, Redis for high-speed transaction logging, audit, and analytics.
Payments & Security
HashiCorp Vault, AWS KMS, OpenSSL, CloudHSM, and PCI-compliant FPE/tokenization.
APIs & Protocols
REST, GraphQL, SOAP, webhook frameworks, ISO 8583, and NACHA integration.
Cloud
AWS, Azure, GCP, Docker, and Kubernetes.
Fraud/KYC/AML
Sift, Feedzai, Alloy, Onfido, Synapse, and Comply Advantage APIs.
Dev Tools
GitLab, Jenkins, CI/CD, and Grafana/ELK.
Our Payment Gateway Development Process
From requirement analysis and architecture design to integration, certification, and go-live, we follow an agile, security-first approach. Continuous testing, monitoring, and support ensure your payment infrastructure stays reliable and compliant at scale.
Discovery & Regulatory Mapping
Identify your payment goals, target markets, and compliance standards (PCI DSS, GDPR, etc.). Joint workshops clarify integrations, edge cases, and reporting.
Technical Architecture & Feature Blueprinting
Draft secure workflows, data storage models, fraud scenarios, and settlement logic. Ensure modularity for future expansions and partner integrations.
Agile Development—Secure Coding at Every Sprint
Iterative feature builds with robust API documentation, partner sandboxing, and automated test cases for each milestone.
Compliance, Pen-Testing, & User Acceptance Testing
Simulated attacks, credential management checks, and end-to-end scenarios—proven through PCI DSS audits and 3DS2 transaction flows.
Deployment, Certification, and Merchant Onboarding
Cloud, on-prem, or hybrid. Rapid onboarding portals, SDK integration packs, and live launch with multi-region redundancy.
Ongoing Support, Scaling, and Upgrades
Proactive monitoring, rapid incident mitigation, vulnerability patching, new payment method activation, and regulatory recertifications.
FAQs Payment Gateway Development
Why should I build a custom payment gateway instead of using a third-party provider?
Building your own gateway eliminates heavy per-transaction fees and allows you to control transaction flows, data, and the customer journey. You optimize for conversion, customize for any business or regulatory need, and instantly integrate new payment types or settlement logic without waiting for a vendor. Owning your gateway also opens “gateway-as-a-service” monetization, strengthens brand loyalty, and drives new vertical integration opportunities—turning payments from a cost center into a profit engine.
How do you ensure transaction security and fraud prevention?
We layer security: TLS 1.3 encryption, tokenization, HSM-managed keys, OWASP best practices, and micro-segmentation. Our fraud strategy combines ML risk models (velocity, amount, device, behavior) with real-time decisioning and rules-based escalation (3DS2, OTP, SCA, manual review). KYC/AML is automated, and audit logs are immutable for post-event forensics.
Can you integrate fraud detection and KYC/AML verification?
Yes, from day one. We implement API-driven onboarding (Onfido, ComplyAdvantage, Alloy, etc.), automate document upload and biometric verification, and connect to sanctions lists. Real-time fraud mitigation is embedded in transaction logic; suspicious patterns are isolated instantly for review or blocked proactively to protect your ecosystem.
Can you develop PCI DSS-compliant payment gateways?
Absolutely. PCI DSS compliance is foundational in our architecture. We set up best-in-class encryption (at rest/in transit), run penetration testing, implement continuous vulnerability management, and offer support through all phases of PCI DSS auditing, attestation, and recertification. Our documentation covers all audit trail requirements, and we train your teams on annual PCI updates for uninterrupted operations.
How long does it take to develop a custom payment gateway?
A standard project requires 5 to 10 months, with rapid MVPs possible in under 4 months for core credit/debit and ACH. Complexities like cross-border support, custom fraud scoring, 50+ payment types, or deep marketplace payout scenarios increase the timeline. We outline all dependencies and deliver transparent milestone charts after discovery.
Can a custom gateway support split payments or marketplace payouts?
Absolutely. Our platforms natively support split/multi-destination payments, instant merchant payout logic, fee/commission calculation, escrow handling for marketplaces, and scheduled disbursements (weekly, rolling, or milestone-triggered). This enables support for gig/work platforms, e-commerce, SaaS revenue partnerships, and vertical-specific payout requirements futureproofing your operations and user experience.
Let's Connect
Ready for payment innovation?
Zymr’s team is equipped to guide you from vision to launch designing gateways that support your business growth, regional expansion, and new ways to monetize payments. Let’s build your next-gen payment engine, together.
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