Payment Software & Gateway Development Services

Professional payment software development services delivered by seasoned experts with a passion for creating unique, custom payment and other software solutions will give you that sturdy competitive, business, and tech edge.

We are taking things far beyond e-commerce needs only. You can easily enable recurring payments on any website, platform, or mobile application.

We create desktop, cloud-based, mobile, and hybrid solutions. Designed for your target audience and efficiently implemented mobile payments will bring you closer to your customers or users during the startup phase and further.

With an unlimited reach of the integration services we provide, you get a reliable technology partner ready to empower, optimize, and boost your business or startup across all angles. In particular, we can handle seamless payment gateway integration on a budget, according to the latest tech trends, consulting you all the way on all complex and confusing terms and methodologies.

Payment software development services we provide

As a long-time expert in delivering high-end payment software solutions, DICEUS has sufficient skills and a cutting-edge tech stack to cope with any project in the realm of online payment software. The scope of services we provide can cover every need an organization may have regarding software for payment processing, management, and fulfillment.

Payment processing solutions

Alongside the old-school cash, contemporary organizations and individuals employ a wide array of payment options, such as credit/debit cards, bank transfers, e-wallets, etc. We can design and develop bespoke payment processing software solutions to help you accept and handle payments conducted via any of these channels in person, by phone, etc.

Payment gateway development

It is a must-have aspect of creating an e-commerce site, enabling customers to pay for the products they acquire there. Our payment gateway software development experts will integrate a robust and secure gateway into your e-store, mobile app, or professional site, offering your clientele multiple options for transferring money to your company’s account.

Custom payment applications

Today, there are plenty of off-the-shelf payment apps on the market, but being garden-variety products, they can’t give your company a competitive edge. Vetted specialists of DICEUS will develop a unique app for your enterprise that will contain only the features you require and thus will become a cost-efficient instrument for boosting your financial pipeline.

EMV integration

Europay, Mastercard, and Visa (EMV) chips embedded into debit and credit cards are responsible for creating a one-of-a-kind code for each payment, which enhances its security. We will provide USB and BlueTooth connectivity and design software to enable this technology in all transactions your organization completes, no matter whether they involve card dipping or NFC payment.

PCI DSS compliance

The Payment Card Industry Data Security Standard is a set of regulations aimed at providing a secure environment for companies that receive, store, process, and transmit bank card information. We will assist you in onboarding and maintaining the complex of measures to obtain a PCS DSS certificate and stay compliant with it in all your operations.

Fraud protection solutions

The safety of the enterprise and customer financial, business, and personal data, as well as the inviolability of money on their accounts, are the top concerns for organizations and individuals today. Advanced security know-how and machine-learning algorithms built into our payment software will identify suspicious activities and prevent fraudulent practices.

POS and contactless payments

The Point-of-Sale software that we develop will turn smartphones and tablets your employees utilize in their workflow operations into full-fledged registers. Such solutions are equipped with APIs to enable their seamless integration with existing POS systems and are tailored to cater to the tastes and preferences of your customers regarding their design, UI, functionalities, etc.

Real-time payments

Enabling real-time payments is a surefire recipe for the outstanding customer experience clients get while collaborating with your organization. DICEUS will integrate RTP solutions into your current payment mechanisms to provide immediate funds transfer and availability, instant transaction confirmation, and settlement finality, which people greatly value today.

Buy Now, Pay Later solutions

BNPL solutions give your customers more freedom and confidence when turning to your payment services or online payments on your website, platform, or in your digital product (e.g., a mobile application). Enabling the customers to pay in segments, not necessarily at the moment of purchasing goods, is a great, future-oriented way to offer services and products. We can help build, set up, and adjust your BNPL mechanism to grow user loyalty in a major way.

Multi-currency processing

You need up-to-date payment solutions if you want your business to scale and prosper, which means delivering all possible convenient payment options for your target audience of users/customers. We can help properly integrate any required payment gateways, from standard Google Pay and Apple Pay to popular PayPal and Stripe to more specialized crypto-enabled that we can create as a custom payment gateway if needed.

iot in mobile banking

Pinch and spread for zoom

Learn more about how we can help you in payment software development.

Send requirements

Our expertise

Over 250 competent and certified professionals have accumulated extensive experience during 14 years of delivering IT products and services.
We completed multiple payment software projects working for fintech, banking, retail, logistics, healthcare, e-commerce, and other organizations.
Utilization of cutting-edge tech stack containing the most efficient back- and front-end tools, programming languages, and the latest know-how (AI, ML, blockchain, Big Data, IoT, etc.).
Our focus is on security and AML compliance, which are mission-critical for payment processing software that must be fully protected from any malevolent activities and fraud attempts.
Exceptional client-centricity of our approach, allowing us to deliver solutions tailored to satisfy all customer requirements, which play well with other professional software they use and have a considerable upscaling potential.
Adaptability and flexibility of our cooperation style when we meet our partners halfway in setting up communication sessions, establishing interaction channels, and offering engagement models.

Can’t find the service you are looking for?

Explore all services

Want to discuss your project?

Our development process

One hallmark of a solid and reliable IT vendor is the well-established SDLC they have for different solution types. We at DICEUS have a time-tested strategy in place that enables us to swiftly develop high-quality payment software.

Validation The initial phase aims to clarify project ideas and define requirements that comply with industry regulations. It is done during interviews with stakeholders, where we learn all relevant details and then assess risks and come up with a rough estimate of the project’s cost.

Planning The information obtained at the previous stage serves as the foundation for the project roadmap. It contains the solution’s specifications and architecture, indicates the tech stack to be leveraged in the development process, determines project team composition, and outlines the development timeline.

Design This is the first practical phase of the project when we create the product’s visual concept, check it by building a Proof of Concept and prototype, take thought for UI and UX, and finally arrive at the look and feel of the solution that lives up to users’ expectations.

Execution The implementation stage is the core of the SDLC. Here, our developers and engineers work on creating the back-end and the front-end of the solution, carrying out all steps stipulated by the plan. It is done with an eye to project requirements and other parameters the roadmap contains.

Testing Since security is vital for a payment solution, our QA team never lets the product go live unless it is thoroughly tested. They not only detect and eliminate bugs but also conduct penetration testing, examine data protection mechanisms, probe multi-factor authentication, and ensure security compliance.

Deployment and maintenance The finished product is deployed on-premises or in the cloud and launched into operation. The specialists of DICEUS stay with the customer as long as necessary to monitor the solution’s initial performance, correct minor flaws and inadequacies, and consult the customer on using the product.

How long does it take to develop a payment solution?

As a serious IT vendor, DICEUS never hurries to make short work of any software project, especially if it is a payment solution. We will deliver the product according to the timeframe, which can be established when we know:

Project requirements
Expected deadlines
The size and composition of the project team
Technologies the project implementation requires
Change requests

How much does it cost to develop a payment solution?

It is no chump change issue, yet it doesn’t have an exorbitant price tag on it either. A precise sum can be announced after we take into account the following details.

Project scope and complexity
The urgency of project delivery
The tech stack involved in the project
Engagement model you prefer (Dedicated Team or Time & Material)
Integration needs

Our tech stack

Programming languages

JavaScript

SQL

Python

Java

PHP

TypeScript

C++

Kotlin

Ruby

Swift

Scala

Haskell

Web frameworks

jQuery

React.js

Angular

ASP.NET

ASP.NET Core

Vue.js

Spring

Angular.js

Django

Laravel

Ruby on Rails

Other frameworks

Node.js

.NET Core

.NET

React Native

Flutter

Teraform

Xamarin

Apache Spark

Hadoop

Chef

Databases

MySQL

PostgreSQL

Microsoft SQL Server

SQLite

MongoDB

Redis

MariaDB

Oracle

Elasticsearch

DynamoDB

Cassandra

IBM DB2

Couchbase

Platforms

Linux

Windows

Docker

AWS

Android

MacOS

Microsoft Azure

Google Cloud Platform

iOS

Kubernetes

IBM Cloud

IBM Watson

Our cases

E-Murabaha – Islamic finance project on blockchain

United Arab Emirates
Banking

IT staff augmentation for Raiffeisen Bank’s IT projects

Ukraine
Banking

POC for Raiffeisen Bank self-service terminal development

Ukraine
Banking

SmartValor blockchain app development

Switzerland
Financial Services

HCM data management system

Germany
Financial Services

Testimonials

Elena Markova

Board Member, UNIQA Ukraine

We were impressed by the depth of the UX analysis they did in terms of our customer’s research, buyer persona creation, user journey mapping, etc. All the information like research findings, for instance, was presented in a clear form (presentations, Miro boards, clear infographics) so it was quite easy to understand what we need to build and why.

View case

Antoaneta Karagyozova

CPSO, Fadata

We are happy with DICEUS’ software implementation services. The team’s workflow is highly effective and professional in all aspects of the engagement. All clearly understand what goals we’d like to reach and do their best to do that as efficiently as possible. Overall, the partnership has been successful.

View case

Phil Reynolds

CEO, BriteCore

The DICEUS team has consistently supported the BriteCore team for many years. Their engineers are well-educated and highly invested in the ongoing quality of the BriteCore platform with sustained relationships that extend over four years. We appreciate everything the DICEUS team brings to the table as a development partner.

View case

Which organizations gain from developing custom payment software?

Tailored payment software development services give a felt boost in performance, outreach, and RoI to companies and agencies, SMBs and enterprises, startups and individual projects that tap into any relevant niche or industry. The professionals at DICEUS have been delivering products of all scopes and tailoring services to clients coming from fields like:

E-commerce platforms

Accept and process payments in any required currency to cater to a global customer base with multi-currency support and processing.
Integrate your existing or newly developed eCommerce platform with popular payment gateways like PayPal, Stripe, and Square.
Automate recurring payments for subscription-based products or services with smart subscription billing.
Implement machine learning algorithms to pinpoint and prevent fraudulent transactions through intelligent fraud detection, KYC, and AML tools.
Allow multiple parties (e.g., vendors and suppliers) to receive payments from a single transaction through split payments.

Retail businesses

With Point-of-Sale or POS software development, store owners and managers can combine inventory management, sales, and payments into a single POS system.
Enable contactless payments via NFC, QR codes, or mobile wallets, both digitally and in a brick-and-mortar store, via a unified POS terminal.
Connect payment systems with loyalty and rewards programs to encourage repeat business and grow that RoI.
Manage and process digital and physical gift cards automatically and in a personalized manner, boosting customer loyalty dramatically.
Offer customers in-store financing solutions at the point of sale.

Financial institutions

Online banking portals developed just for your brand grant a secure, user-friendly digital portal experience for hassle-free, personalized online banking.
Real-time payment processing software implemented from scratch or for your existing systems will process payments instantly, improving cash flow all around.
Risk management tools powered by AI and big data analytics will allow you to assess and mitigate payment-related risks.
Cross-border payment processing solutions that we can develop provide seamless international payment solutions with lower fees and faster processing times.

Healthcare providers

Custom patient payment portals offer secure digital environments where patients can easily pay their bills online.
Payment plan management provides patients with flexible payment plans for costly treatments.
We also develop telemedicine payment solutions, integrating convenient payment options within telehealth platforms for fast and simple transactions.

Travel and hospitality

Integrated booking and payment systems developed for your business can handle both reservations and payments seamlessly.
Start offering guests the instantly sought-after ability to pay for services via mobile wallets and apps.
Software-powered customer refund management automates the process of issuing refunds for canceled bookings.

Subscription-based services

Customer self-service payment portals allow customers to manage their subscriptions and payments online.
We also create personalized tools to manage subscription tiers, billing cycles, and renewals.
Automate the generation and distribution of invoices and receipts through AI and custom software automation.

Non-profit organizations

We create crowdfunding platforms for fundraising campaigns, integrating payment processing for convenient and fast donations.
Membership payment systems help manage member dues and renewals with automated payment systems.
Grant disbursement systems automate the distribution of grants and track fund allocation and online payments.

Real estate

Integrate payment systems with property management software for easily tracked operations assisted with automated reminders and custom alerts.
Deposit management systems we build help manage security deposits with automated tracking and disbursement.
Lease and contract management can also be automated and streamlined via platforms for handling lease agreements and payment schedules.

Transportation and logistics

Fleet management payment systems automate payments related to fleet management, including fuel, tolls, and maintenance.
Cross-border payment solutions facilitate international online transactions with multi-currency and multi-language support.
We can also develop driver payment systems and custom platforms for automated payments to drivers and contractors.

Insurance companies

Premium collection systems help automate the collection of insurance premiums with flexible payment options.
Claims payment systems facilitate the disbursement of insurance claims with automated payment processes.
Policy renewal payments can be equipped with automated payment reminders and personalized systems for policy renewals.
Agent commission payment systems that we develop enable the automation of commission payments to insurance agents.

FAQ

What are payment software development services?

These are called to cover all needs of an enterprise related to the creation of various payment solutions. A competent vendor typically provides the development of custom payment processing solutions, applications, and gateways, EMV integration, and POS products that accept contactless payments. Special offers in the niche include fraud protection solutions and guaranteeing PIC DSS compliance.

Why do businesses need payment software development services?

Money transfers are the blood of the global economy, whose fast and unimpeded circulation is the bedrock of its robust functioning. In the 21^st century, payments are mostly made via digital channels enabled by specialized software. The design and development of payment solutions is a no-nonsense endeavor that can be entrusted only to high-profile mavens with profound expertise in delivering such services.

Is payment processing a SaaS?

It is one of the options which promises weighty perks to companies that go for it. By subscribing to it, organizations regularly receive invoices according to their package and choose the method they are comfortable with to pay for the services. Such an approach allows for easier accounting, more efficient billing, and broad flexibility in pausing, renewing, upgrading, or downscaling the subscription plan.

How long does it take to develop payment software?

The timeline for a payment software development project is dictated and shaped by the complexity of the project, the number of features required, and the level of customization needed. On average, a basic payment solution may take 3 to 6 months to develop, while more complex systems with advanced features like multi-currency processing, fraud detection, and integration with third-party platforms could take 6 to 12 months or longer. The development process includes phases such as discovery, design, development, testing, and deployment.

What industries benefit the most from custom payment software?

Custom payment processing software is highly beneficial across all sorts of industries, including e-commerce, retail, banking, healthcare, hospitality, logistics, and more. Each of these sectors relies on efficient, secure, and scalable payment functionality to manage transactions, maintain customer satisfaction, and comply with industry-specific regulations. For instance, healthcare providers can automate billing processes, while e-commerce platforms can offer seamless multi-currency payments to global customers.