Mobile POS app for a UAE fintech
Stripe and PayBy running behind one transaction ledger for a UAE fintech operator.
Payment Gateway Integration for Fintech
Payment gateway integration that hands your product one clean layer, not 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
Bring the problem, the current workflow, or the existing code. We reply with a practical next step within one business day.
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The brief
Start with what is not working.
Good software decisions begin with the constraint, not a list of features or a preferred technology.
01
Payment processing bolted on from three different providers with no unified reconciliation?
02
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.
What to remember
- Tokenisation and hosted payment fields keep raw PAN and CVV off your servers entirely, so card data never touches your infrastructure. Your QSA assesses the resulting scope; we document the architecture and data flows in a format they can assess.
- A unified reconciliation layer matches every payment instruction against provider settlement files automatically, so month-end matching stops being a spreadsheet exercise.
- Multi-provider routing and failover mean a gateway outage doesn't take down payment capability if a fallback provider is configured.
One payment failed. Nobody could say which system swallowed it.
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
- shipping payment and fintech platforms in production
- Since 2015
- RaftLabs delivery record
- PCI DSS scope boundaries designed in
- Week one
- Not retrofitted before launch
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 and lock the cost in writing before development starts. The 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.
This pays off when payments already run on more than one provider.
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.
A fit
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.
Not a fit
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
What our payment infrastructure covers
Payment gateway integration and orchestration
Card payment flows across Stripe, Adyen, and Checkout.com with proper idempotency keys, 3D Secure 2.0 for PSD2 SCA compliance, webhook handling with HMAC signature verification, and fraud scoring integration. A payment orchestration layer routes each transaction to the right provider and fails over automatically, so a gateway outage doesn't take down payment capability.
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.
Card programme management
Card issuing integration across Marqeta and Galileo with real-time authorisation decisions, velocity controls, settlement and interchange reconciliation, and a dispute and chargeback workflow from processor notification through response submission.
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.
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.
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.
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'll scope the right infrastructure and give you a fixed cost.
How it works
From scope to live payment infrastructure
- Step 0101
Provider and volume scoping
We map your current providers, transaction types, volumes, and compliance context, and you leave with a written scope document and a fixed-price quote.
- Step 0202
Architecture and PCI scope design
Routing logic, reconciliation model, and PCI DSS scope boundaries are designed against your actual transaction flows, so scope decisions match how money really moves.
- Step 0303
Build and integrate
Core payment flows come first, then reconciliation, then refunds, disputes, and FX. Everything is tested in each provider's sandbox before it touches production.
- Step 0404
Parallel run and go-live
Reconciliation runs against both old and new systems before the old system is decommissioned, so the cutover is proven against real data rather than assumed.
Proof
Case studies
How Snelweg Deals built a digital car auction marketplace for the Dutch automotive market
We helped Snelweg Deals move from offline vehicle resale to a digital marketplace with a guided seller form, real-time dealer bidding, Dutch number plate lookup via the Overheid API, and automated invoicing through Moneybird.
How RaftLabs turned the TiAiMe concept into a working AI voice agent MVP
A researched concept for an AI family time assistant, turned into a voice agent MVP across iOS, Android, and an admin panel. Rated 5.0 on Clutch; V1 is underway.
One payment layer, scoped before you commit.
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.
Work with us
Tell us where the work is stuck.
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.
- 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.
Common questions
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 keeps raw card data out of your environment. 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.
A Stripe refund and an Adyen reversal are not the same object, and abstracting over the difference is how payment integrations get burned. Processor-owned libraries carry lock-in by design: leaving Stripe means rebuilding checkout. Orchestration layers route by payment method, card brand, currency, and transaction value, and let finance move traffic in a sprint instead of a quarter when rates rise. The processor-independence test: can you move volume in a sprint instead of a quarter?
Deduplicate on event ID, and verify the signature before acting on any webhook. Failed deliveries need retries on an escalating schedule and a manual replay option from the dashboard. The measurement that matters: webhook deliveries marked permanently failed, and whether payment events reach billing and the CRM. Payment reconciliation and settlement reporting close the gap where one failed payment can vanish between systems.
Your call to the processor might time out, and the charge may or may not have succeeded. Database locking does not help, so make the call idempotent and retry it. Map out refund and chargeback steps in advance: who logs into the processor portal, where evidence gets submitted, what paperwork is needed. Figuring this out during an active dispute leads to lost chargebacks. Refunds should return to the original payment method.
Run the ten-line buyer checklist: which payment methods and which processor; local methods with dates; the AOC, expected SAQ type, and script-protection confirmation in writing before the first production charge; theming control; traffic routing; test cards for decline and failed-secure paths; official SDKs; webhook deduplication and verification. Test the declined-card flow: do you get a useful error message or a generic failure page? Evaluate with all three teams in the room: engineering owns card-data scope, design owns checkout control, finance owns payment-method coverage and processor independence.
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.