Payment Software Development
Services
Payment software development services we deliver
Payment gateway development
As a payment gateway software development company, we start every gateway project with a build-or-integrate decision. We use Stripe and Adyen when they fit your model, and build a custom gateway when fees or routing control call for one. Our payment gateway software development services cover the full transaction path, including the moments when something goes wrong.
Real-time payments and network integrations
We connect banks, networks and partners through secure, versioned APIs, and build hosted services so members don’t have to run their own infrastructure. Real-time rails and messaging standards are planned in from the start.
Payment processing platforms
We build the core that authorizes, captures, settles and refunds — on event-driven pipelines with a double-entry ledger, so every transaction can be traced and reconciled.
Payment platform modernization
We move payment and verification platforms off legacy cores, monoliths and blockchain ledgers onto cloud-native services — while live traffic keeps flowing. Partners migrate one at a time on a dual-rail setup, with a rollback path at every step.
Payment orchestration and smart routing
An orchestration layer routes each transaction to the provider most likely to approve it at the lowest cost, and fails over when a provider goes down. You keep one integration for your product and one ledger for finance.
Cross-border and multi-currency payments
We build cross-border payment systems that hold, convert, and send money in multiple currencies across several rails. Sanctions and AML screening run on every transfer, so new markets don’t open new compliance gaps.
Card issuing and embedded payments
We help platforms launch their own cards and financial products through issuing processors and banking APIs, so payments become a revenue line instead of a cost.
Digital wallets
As a payment app development company, we build white-label wallets for fintechs and consumer brands that want stored value inside their own app.
P2P and B2B payment platforms
We build platforms that move money between people and between businesses, from instant P2P transfers to B2B invoicing and bulk payouts. Approval workflows and open banking connections keep finance teams in control.
Fraud detection and transaction monitoring
We add real-time fraud detection that scores every transaction before approval, combining rules engines with AI models. AML monitoring and dispute workflows keep losses and chargebacks under control.
Billing, subscriptions and reconciliation
We automate recurring billing and match every payment to bank and PSP reports, so finance closes the books faster and failed payments are retried before customers churn.
Marketplace payments, payouts and PayFac
We build the money movement marketplaces need: split payments, seller onboarding, escrow-style holds, refunds and scheduled or instant payouts, with fees calculated per transaction.
Payment consulting and discovery
Before you commit a budget, we map your payment flows, providers, regulations and volumes. You get a build, buy or orchestrate recommendation, an architecture, and a cost and timeline estimate.
Payment rail integration
Each rail has its own message formats and cut-off times. We integrate ACH, SWIFT, SEPA and Faster Payments (FPS) into one payment layer your product can call. Volumes make this work worth it: Nacha’s ACH volume statistics show ACH Network volume rose nearly 4.9% to 35.2 billion payments in 2025. In Europe, the European Union’s Instant Payments Regulation text required euro-area payment service providers to offer receiving instant euro transfers by January 9, 2025. Sending had to follow by October 9, 2025.
Embedded payments and BaaS
Non-financial products can add payments or cards through banking-as-a-service (BaaS) partners. We build the product layer on top of those partners, so your team owns the user experience while the licensed partner handles the regulated activity.
Payment software challenges we solve
Payment and fintech projects we delivered
Get your estimate from the top tech vendor

Payment software development pricing
Payment Proof of Concept
Payment MVP
Full platform
Hire fintech developers

Payment rails and providers we integrate
Payment rails
Payment service providers
Card issuing and BaaS
Open banking and account data
Identity and KYC
Core banking and ledgers
We deliver payment software with
the 4D solutions framework
A payment software development partner you can trust with every transaction
Types of payment systems we build
E-commerce checkout
Checkout conversion depends on speed and on few steps between cart and confirmation.
Marketplace and multi-party payouts
Marketplaces collect from buyers and pay many sellers, so funds must be split correctly and released on schedule.
SaaS subscription billing
SaaS teams need billing that tracks plans and usage, built on Stripe or a custom engine.
Cross-border remittance
Remittance products compete on fees and delivery time in each corridor.
In-app and mobile wallets
Wallets keep users inside your app for payments and stored values.
Embedded finance in non-financial products
Software platforms can add payments or cards through BaaS partners, with us building the product layer your users see.
Our tech stack
FAQ
What payment software development services does Euristiq offer?
We build payment gateways, digital wallets, P2P and B2B payment platforms, cross-border and multi-currency systems, recurring billing, and payment orchestration layers. We also modernize legacy payment cores and integrate PSPs such as Stripe and Adyen. You can start with a PoC, an MVP, or a full platform build.
Do you build payment software for the Canadian market?
Yes. We’re headquartered in Toronto, work with Canadian AWS regions, and design for PIPEDA and FINTRAC requirements. Our team has replatformed part of Canada’s national payment infrastructure, and most of our payment engineers work in Java, the stack Canadian banks and fintechs run on.
How much does payment software development cost?
A payment PoC starts at US$15,000 (about CA$21,000), an MVP starts at US$25,000 (about CA$35,000), and a full platform starts at US$50,000 (about CA$70,000). The main cost drivers are the number of providers and rails, the markets you serve, and your PCI DSS scope. A discovery sprint gives you a fixed estimate.
Can you modernize our payment system without disrupting live transactions?
Yes. We run the old and new platforms side by side on a dual-rail setup and move partners or traffic in stages, with a rollback path at each step. For a national verification network in Canada, banks migrated one at a time in a single weekend window each, with no code changes on their side.
How do you handle PCI DSS and payment security?
We keep card data out of as much of your system as possible with tokenization and hosted fields, then design the rest around PCI DSS, strong customer authentication and encryption. Every change goes through code review, static and dynamic tests, and vulnerability scans in CI — the same gates our enterprise clients require.
Can you help us prepare for SOC 2 or ISO 27001?
Yes. We work in two layers: cloud configuration, scanning and fixes first, then controls in the code itself, such as access, logging and data handling. Euristiq is ISO/IEC 27001:2022 certified, so we know what auditors ask for.
Do you use AI in development, and how do you keep payment code secure?
Yes. AI-native delivery shortens PoC and MVP timelines. For production payment systems, AI-assisted code follows our AI-SDLC standards and passes the same human review, testing and security gates as any other change.
Who does Euristiq build payment software for?
Payment software looks different for a bank, a PSP and a SaaS product. We’ve built for all of them, so the architecture starts from how your money actually moves:
What core features does Euristiq build into payment software?
Whether you’re launching a payment product or adding payments to an existing platform, these are the capabilities Euristiq designs for, so each step hands clean, traceable data to the next:
What engagement models does Euristiq offer for payment software development?
Pick the model that fits where your payment product is today: AI-accelerated MVPs on a fixed scope, or enterprise delivery with full security and compliance gates on time and materials.

Let’s talk!













