Which payment gateways do you integrate with?

We integrate with Stripe, Adyen, Braintree, Square, and Checkout.com for card processing. For ACH, we connect through Dwolla, Modern Treasury, or directly to a processor's ACH origination API. For card issuing, we work with Marqeta, Galileo, and Stripe Issuing. For international wires, we connect via SWIFT Service Bureau or correspondent bank API.

How do you handle PCI DSS compliance?

PCI DSS compliance is a scope management problem as much as a security problem. We use hosted payment fields or tokenisation APIs so your servers never see the PAN or CVV, which typically qualifies you for SAQ A or SAQ A-EP. We document the architecture and data flows in a format your QSA can assess, though we don't conduct the assessment itself.

Can you build multi-currency payment infrastructure?

Yes. Multi-currency infrastructure requires FX rate sourcing, rate locking at instruction time, conversion accounting, and settlement in the correct currency per provider. FX margin is calculated and recorded per transaction so your accounting system can allocate correctly.

What does the payment gateway integration process look like?

Discovery covers your current providers, transaction types and volumes, reconciliation process, and compliance context. Development runs in phases, core payment flows first, then reconciliation, then refunds, disputes, and FX. Go-live includes a parallel run period against both old and new systems. Timeline for a focused integration is typically 8-12 weeks.

Payment Gateway Integration for Banking and Fintech

One clean payment layer instead of three bolted together

Most fintech and banking products start with one payment integration, then a second gets added for a new market, then a third for card processing. Each was built independently, handles failures differently, and feeds settlement data into a separate reconciliation process, or none at all. We build a payment infrastructure that presents a single internal API to your product, routes to the right provider per transaction, and feeds a unified reconciliation layer.

Payment gateway integration: Stripe, Adyen, Braintree, Square
ACH payment processing: direct debit, credit transfers, batch payments
SWIFT and international wire transfer integration
PCI DSS compliance architecture: tokenisation, encryption, audit logging

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See our work

The problem

Sound familiar?

Payment processing bolted on from three different providers with no unified reconciliation?
Payment failures and settlement delays because the integration wasn't built for the transaction volume?

Short answer

RaftLabs builds payment infrastructure for banking and fintech products. Stripe, Adyen, Braintree, ACH, SWIFT, and card programme integrations with a unified reconciliation layer, PCI DSS compliance architecture, and multi-currency support. Three disconnected payment providers bolted together is not an infrastructure: payment failures are hard to diagnose, settlement data does not match, and adding a new payment method means touching three codebases. Most payment gateway integration projects deliver in 8 to 14 weeks at a fixed cost.

Key takeaways

Tokenisation and hosted payment fields keep raw PAN and CVV off your servers entirely, typically qualifying you for SAQ A or SAQ A-EP instead of a full PCI DSS ROC.
A unified reconciliation layer matches every payment instruction against provider settlement files automatically, replacing two days a month of manual spreadsheet matching.
Multi-provider routing and failover mean a gateway outage doesn't take down payment capability if a fallback provider is configured.
Timeline for a focused gateway integration is typically 8-12 weeks, with core payment flows built first, then reconciliation, then refunds/disputes/FX.

Trusted by

Payment infrastructure delivery, by the numbers

products shipped: 100+

industries served: 24+

cost delivery: Fixed

week delivery cycles: 12-14

Three payment providers bolted together is not a payment infrastructure

Payment failures are hard to diagnose because the error could come from one of three systems. Settlement data from three providers doesn't match the transaction database. Adding a new payment method means touching three codebases. A clean infrastructure sits between your product and your providers, handling routing, retries, and a unified settlement layer, so adding a provider updates one integration, not every part of your product.

Capabilities

What we build

01
Payment gateway integration
Card payment flows with proper idempotency keys, 3D Secure 2.0 for PSD2 SCA compliance, webhook handling with HMAC signature verification, fraud scoring integration, and provider failover so a gateway outage doesn't take down payment capability.
Built with
Stripe · Adyen · Braintree
02
ACH payment processing
Nacha-compliant direct debit and credit transfer origination with authorisation record storage, batch file generation on the correct cut-off schedule, and return/NOC handling processed without manual intervention.
03
Card programme management
Card issuing integration with real-time authorisation decisions, velocity controls, settlement and interchange reconciliation, and a dispute and chargeback workflow from processor notification through response submission.
Built with
Marqeta · Galileo
04
SWIFT and international wire transfer
MT103 message formatting and correspondent bank routing, sanctions screening against OFAC/EU/UN lists before release, SWIFT gpi payment status tracking, and FX rate integration with clear margin accounting.
05
Payment reconciliation and settlement reporting
Automated matching of every payment instruction against provider settlement files, with exceptions surfaced in an operations dashboard and fee reconciliation catching provider billing errors.
06
PCI DSS compliance architecture
Card data tokenised at entry via hosted fields, network tokenisation via Visa Token Service or MDES, TLS 1.2 minimum encryption, and full audit logging on every payment operation, designed to minimise your PCI DSS scope from day one.

How we work

From scope to live payment infrastructure

Week 1
01
Provider and volume scoping
We map your current providers, transaction types, volumes, and compliance context. You leave week 1 with a written scope document and a fixed-price quote.
Weeks 2-3
02
Architecture and PCI scope design
Routing logic, reconciliation model, and PCI DSS scope boundaries designed against your actual transaction flows.
Weeks 4-11
03
Build and integrate
Core payment flows, then reconciliation, then refunds, disputes, and FX, tested in each provider's sandbox.
Final 2-3 weeks
04
Parallel run and go-live
Reconciliation runs against both old and new systems before the old system is decommissioned.

Why us

Why banking and fintech teams choose RaftLabs

01
Senior engineers build what they scope
The engineers who assess your payment stack also build the solution. No bait-and-switch, no offshore handoff after the contract is signed.
02
Fixed price before development starts
We scope the work, calculate the cost, and lock it in writing before any development starts.
03
9 years and 100+ products shipped
Clients include Vodafone, T-Mobile, Aldi, Nike, Cisco, and Lockheed Martin. Track record building regulated payment infrastructure.
04
One API, not three bolted-together providers
Your product talks to a single internal payment layer regardless of how many providers sit behind it.
05
PCI scope minimised by design
Tokenisation keeps raw card data off your servers from the first line of code.

Have a payment integration project?

Tell us which payment providers you use today, what transaction types and volumes you handle, and where reconciliation or reliability is breaking down. We will scope the right infrastructure and give you a fixed cost.

Talk about your payment integration project

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: We integrate with Stripe, Adyen, Braintree, Square, and Checkout.com for card processing. For ACH, we connect through Dwolla, Modern Treasury, or directly to a processor's ACH origination API. For card issuing, we work with Marqeta, Galileo, and Stripe Issuing. For international wires, we connect via SWIFT Service Bureau or correspondent bank API.
: PCI DSS compliance is a scope management problem as much as a security problem. We use hosted payment fields or tokenisation APIs so your servers never see the PAN or CVV, which typically qualifies you for SAQ A or SAQ A-EP. We document the architecture and data flows in a format your QSA can assess, though we don't conduct the assessment itself.
: Yes. Multi-currency infrastructure requires FX rate sourcing, rate locking at instruction time, conversion accounting, and settlement in the correct currency per provider. FX margin is calculated and recorded per transaction so your accounting system can allocate correctly.
: Discovery covers your current providers, transaction types and volumes, reconciliation process, and compliance context. Development runs in phases, core payment flows first, then reconciliation, then refunds, disputes, and FX. Go-live includes a parallel run period against both old and new systems. Timeline for a focused integration is typically 8-12 weeks.

Work with us

Tell us what you need. We'll tell you what it would take.

We scope Payment Gateway Integration for Banking and Fintech in 30 minutes. You walk away with a clear cost, timeline, and approach. No commitment required.

Scope and cost agreed before work starts. No surprises. No obligation.
Working prototype within 3 weeks of kickoff.
Pay by milestone. You see progress before each invoice.
60-day post-launch warranty. Bug fixes, UI tweaks, and deployment support. No retainer.
All conversations are NDA-protected.

Go deeper

Browse our case studies

Banking software by area

01
Banking industry hub
RaftLabs track record building software for banks, credit unions, and fintechs.