Payment Gateway Integration for Fintech
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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The brief
Good software decisions begin with the constraint, not a list of features or a preferred technology.
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?
Plain answer
Payment gateway integration connects Stripe, Adyen, Checkout.com, ACH, and card programmes to your product behind one internal API, with a unified reconciliation layer and PCI DSS scope kept tight. RaftLabs builds it for banking and fintech teams. Core payment flows go live in 8 to 12 weeks, then reconciliation, refunds, disputes, and FX follow.
What to remember
A fintech product ships with Stripe. A new market needs a second provider, so a second integration goes in. Card processing arrives, so a third gets bolted on beside it. Each handles failures its own way, each drops settlement data into its own export, and none of them agree with the transaction database.
Then a payment fails. The error could have come from any of the three, so someone spends the afternoon reading logs across all of them. Month end, the settlement files don't reconcile, so someone else spends two days matching spreadsheets by hand.
Three providers stitched together is not a payment infrastructure. It is three integrations pretending to be one.
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.
One widely cited industry study put the annual global cost of failed payments at more than $118 billion in fees, wasted operational effort, and lost customers (LexisNexis Risk Solutions). The pattern behind most of it is the one above: payment logic spread across providers that were each integrated in isolation, so a failure in one is invisible to the others and the settlement files never fully agree.
Proof
RaftLabs has shipped production software since 2015 for clients across the US, UK, Europe, Canada, and the UAE. The team that scopes your payment stack is the team that ships it: no bait-and-switch, no offshore handoff once the contract is signed. We scope the work, lock the cost in writing before development starts, and core payment flows go live in 8 to 12 weeks. That first slice validates the routing and reconciliation model against real transactions; the layer then grows into refunds, disputes, and FX. Payment infrastructure rarely stands alone: it sits behind custom software development, leans on business process automation for reconciliation and settlement workflows, and increasingly uses AI agent development for fraud review and dispute handling. The full track record building payment and fintech platforms sits on the banking industry hub.
Everything on the left should already be true for your product. Even one thing on the right, and a single hosted checkout is the smarter spend right now.
You already route payments through more than one provider, or are about to add a second, with no unified reconciliation between them.
Real transaction volume, where payment failures and settlement mismatches are already costing hours to diagnose every month.
You need PCI DSS scope kept tight and a compliance architecture your QSA can actually assess.
A single provider covers every payment type and reconciliation already matches cleanly.
Pre-launch, with no live transaction volume to build the infrastructure around yet.
You want a hosted checkout button, not payment infrastructure behind your product.
What we build
Tell us which payment providers you use today, what transaction types and volumes you handle, and where reconciliation or reliability is breaking down. We'll scope the right infrastructure and give you a fixed cost.
How it works
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.
Routing logic, reconciliation model, and PCI DSS scope boundaries designed against your actual transaction flows.
Core payment flows, then reconciliation, then refunds, disputes, and FX, tested in each provider's sandbox.
Reconciliation runs against both old and new systems before the old system is decommissioned.
Proof
Walk us through your providers, your transaction volumes, and where reconciliation or reliability is breaking down. We'll scope the right infrastructure and give you a fixed cost, with core payment flows live in 8 to 12 weeks.
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Read moreWe 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
Bring the rough workflow, half-built product, or messy brief. We will map the smallest useful first move, then send scope, timeline, and price in plain English.
