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?
Payment Gateway Integration for Banking and Fintech
Payment processing infrastructure for banking and fintech products -- Stripe, Adyen, ACH, SWIFT, and card processing integrated cleanly with reconciliation and PCI DSS compliance built in from the start.
Built to handle real transaction volume without settlement delays, reconciliation failures, or payment provider lock-in. One clean payment layer instead of three disconnected integrations that nobody fully understands.
Payment gateway integration connects a banking or fintech product to payment processors such as Stripe, Adyen, or Braintree, and payment rails including ACH, SWIFT, and card networks. RaftLabs builds payment infrastructure for banking and fintech products, covering gateway integration, reconciliation, PCI DSS compliance architecture, and multi-currency support, with delivery in 12-14 weeks at a fixed cost.
100+Products shipped
·24+Industries served
·FixedCost delivery
·12-14Week delivery cycles
Three payment providers bolted together is not a payment infrastructure
Most fintech and banking products start with one payment integration that solves an immediate problem. Then a second provider gets added for a new market or payment type. Then a third for card processing. Each integration was built independently, handles failures differently, and feeds settlement data into a separate reconciliation process -- or no reconciliation process at all.
The result is a payment layer that works at low volume and fails at high volume. Payment failures are hard to diagnose because the error comes from one of three systems. Settlement data from the three providers does not match the transaction database. Adding a new payment method requires touching three codebases.
A clean payment infrastructure sits between your product and your payment providers. It presents a single internal API to the rest of your application, handles routing to the right provider per transaction type, manages retries and failure handling consistently, and feeds a unified settlement and reconciliation layer. When you add a new provider, you update one integration -- not every part of your product that touches payments.
What we build
Payment gateway integration
Integration with Stripe, Adyen, Braintree, and Square via their SDKs and REST APIs. Payment initiation, capture, refund, and void flows implemented with proper idempotency keys so duplicate requests do not create duplicate charges. Webhook handling for asynchronous payment status updates -- charge succeeded, charge failed, dispute opened -- with retry logic and dead-letter queue for failed webhook processing. Multi-provider routing so different transaction types or customer segments can use different providers without changing your application code. Provider failover configuration so a gateway outage does not take down your payment capability if a fallback provider is available.
ACH payment processing
ACH direct debit and credit transfer integration via Nacha-compliant origination -- through your bank, a third-party originator, or a processor like Dwolla or Modern Treasury. Direct debit authorisation collection and management -- authorisation records stored with timestamp and IP address as required. Batch file generation for same-day or standard ACH, submitted on the correct cut-off schedule. Return and NOC (Notification of Change) handling so dishonoured debits and address changes are processed without manual intervention. ACH payment status tracking from origination through settlement so your product shows accurate payment state. Retry logic for R01 and R02 returns per your payment policy.
Card programme management
Card issuing integration with Marqeta, Galileo, or Stripe Issuing for products that need to issue physical or virtual cards. Authorisation event handling -- real-time authorisation decisions returned within the network timeout window. Velocity controls and spending rules applied at the card or cardholder level. Settlement and interchange reconciliation against the card processor's settlement files. Dispute and chargeback workflow -- dispute records created from processor notifications, evidence collection, and response submission. Card status management -- active, frozen, blocked, cancelled -- with real-time updates to the processor and the customer-facing application.
SWIFT and international wire transfer
SWIFT message integration for international wire transfers -- MT103 for customer credit transfers, with message formatting, bank identifier code validation, and correspondent bank routing. Integration with SWIFT Service Bureau or a correspondent bank's API, depending on your connectivity model. Sanctions screening integration -- OFAC, EU, and UN consolidated lists checked before payment is released. Payment status tracking via SWIFT gpi tracker where available. Foreign exchange rate integration for multi-currency payments -- rate locking at instruction, conversion at settlement, and clear FX margin accounting. Failure and recall workflow for SWIFT payments that cannot be completed by the correspondent.
Payment reconciliation and settlement reporting
Reconciliation layer that matches every payment instruction in your system against settlement files from each payment provider. Automated matching on transaction reference, amount, and settlement date. Exceptions surfaced in an operations dashboard with the payment record and the settlement data side by side for review. Settlement report by provider, currency, and date with total inflows, outflows, fees, and net settlement position. Daily and monthly reconciliation reports exportable for accounting and audit. Fee reconciliation matching provider invoices against processed transaction volume so you catch provider billing errors. The reconciliation layer that means your finance team is not spending two days a month manually matching spreadsheets.
PCI DSS compliance architecture
Payment infrastructure architecture designed from the start to minimise PCI DSS scope. Card data tokenised at the point of entry using the payment provider's hosted fields or tokenisation API -- raw PAN and CVV never touch your servers. Data in transit encrypted with TLS 1.2 minimum. Tokenised card references stored in your database rather than card data. Audit logging on all payment operations -- who initiated, when, which account, which provider, outcome. Network segmentation between payment processing components and the rest of your infrastructure. Security controls documented to support your PCI DSS assessment -- SAQ A, SAQ A-EP, or ROC depending on your integration model and transaction volume.
Frequently asked questions
We integrate with Stripe, Adyen, Braintree, Square, and Checkout.com for card payment processing. For ACH, we connect through Dwolla, Modern Treasury, Nacha-compliant originating banks, 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. The right provider depends on your product, geography, transaction volume, and regulatory context. We scope the provider selection during discovery and give you a clear view of the trade-offs -- cost per transaction, settlement speed, dispute handling, and integration complexity -- before you decide.
PCI DSS compliance is a scope management problem as much as a security problem. The goal is to keep raw card data out of your systems entirely so your compliance scope stays as narrow as possible. We achieve this by using hosted payment fields or tokenisation APIs from the payment provider -- the cardholder enters their card data directly into the provider's hosted element, and your application receives a token. Your servers never see the PAN or CVV. This typically qualifies you for SAQ A or SAQ A-EP rather than a full Report on Compliance. We document the architecture, data flows, and controls in a format your QSA can assess. We do not conduct the PCI DSS assessment, but we design the infrastructure so it is assessable.
Yes. Multi-currency infrastructure requires handling FX rate sourcing, rate locking at instruction time, conversion accounting, and settlement in the correct currency per provider. We integrate with FX rate providers -- Open Exchange Rates, ECB, or your bank's rate feed -- for live rates used in customer-facing quotes and transaction records. Settlement currency is configured per payment provider and payment type. FX margin is calculated and recorded per transaction so your accounting system can allocate correctly. We also handle the display layer -- the customer sees the amount in their currency with the rate and converted amount clearly shown before they confirm payment.
Discovery covers your current payment providers, transaction types and volumes, reconciliation process, and compliance context. We document the integration architecture before development starts -- which providers, which payment flows, how reconciliation works, and what PCI DSS scope applies. Development runs in phases: core payment flows first, then reconciliation, then secondary flows like refunds, disputes, and FX. We test in each provider's sandbox with realistic transaction volumes and failure scenarios before connecting to production. Go-live includes a parallel run period where reconciliation runs against both old and new systems so discrepancies are caught before the old system is decommissioned. Timeline for a focused gateway integration is typically 8-12 weeks.
Talk to us about your 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.
