Payment Software Development Services

Orangesoft brings together 14+ years of software development experience with a nuanced understanding of the fintech industry to develop innovative solutions with a seamless and secure payment flow.

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Payment Software Development Services

The fintech software development expertise you need — all in a single partner

Developing payment processing solutions from the ground up is no small feat. Our company is fully aware of your dynamic needs — from strict compliance requirements to scalable architecture — and we help your fintech startup grow with the flow. Our developers build compliant and high-performing payment systems that protect sensitive data and secure your competitive edge in the fast-paced world of finance.

Payment software development services we offer

In fintech, you can leap ahead of your competition by innovating fast. Our development team lends you the technical expertise so you can bring your innovative ideas to life, faster and more easily.

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Payment software development

Payment software development

Our cross-functional team iteratively develops your payment solution, helping you take it to the market as fast as possible. We thoroughly test your product, make it compliant with the applicable regulations, and integrate it with the target systems, fine-tuning the solution to your unique payment processing needs.

Payment software testing

Payment software testing

Our QA engineers validate your product's functionality and prepare it for rollout. We ensure that you have all the necessary payment processing security solutions in place to meet the quality standards and compliance requirements of merchants, banks, regulators, and payment service providers.

Payment software evolution

Payment software evolution

Looking to upgrade your product? We’ve got you covered. Our developers can optimize the code and architecture of your payment system and add more bells and whistles to make it more competitive. Our product teams can fill the gaps in your product vision and set it on a path toward product-market fit.

Consulting on payment product development

Consulting on payment product development

As your tech partner, we help you with everything from strategy and architecture design to feature stack selection and security. We can also assist you in mapping out project tasks, milestones, and deliverables to design a full project roadmap for easier implementation.

Custom payment software Orangesoft delivers

We develop a wide range of web and mobile payment solutions with a personalized and seamless financial experience.

Payment processing software
Payment processing software

For retailers and software services alike, seamless processing software is no longer an option but a strategic necessity. Once set up on your platform, multi-currency processing solutions facilitate quick online and point-of-sale transactions, making it easy for customers to make purchases wherever they are.

Payment applications
Payment applications

Build efficient payment solutions that work on the web and mobile to make near-instant payments directly from the device of your choice. Payment apps support diverse ways of paying for products and services, including digital wallets, mobile payments, and cryptocurrency, and relieve businesses and individuals of costly POS systems and bulky card terminals.

Money transfer apps
Money transfer apps

Cut out for quick, convenient, and cheap P2P transfers and fund requests, these apps allow for multiple funding options, such as credit cards, bank accounts, and cryptocurrency. At Orangesoft, we develop secure, feature-rich money transfer apps that make electronic transactions and payments as easy as a few taps.

Mobile POS systems
Mobile POS systems

Mobile point-of-sales systems, tap-to-pay solutions, and pay-by-link apps grant the freedom and flexibility of completing transactions on the go. Along with flexible payment options, mobile POS systems team up with business-critical software to streamline operations with features like inventory management, employee tracking, and robust reporting.

Buy Now, Pay Later (BNPL) software
Buy Now, Pay Later (BNPL) software

This software gives customers the flexibility to buy what they want, when they want by spreading out the cost of purchases over time, interest-free. Our company integrates popular BNPL providers such as Affirm, Klarna, MasterCard, and Visa installments into checkout flows to bring this experience to your mobile and web apps.

Payment gateways
Payment gateways

Payment gateways make it convenient for businesses to accept payments online and help companies avoid more complex setups when directly integrating with payment processing software. They connect a company’s website or app to its payment processing provider, automating the secure transfer of payment data and reducing errors with automated fraud detection and streamlined reconciliation.

Payment automation software
Payment automation software

Custom payment automation software provides businesses with a hands-off way to manage their account payables and supplier payments. Complete with templates for recurring payments, analytics, and payment planning, this software automates clerical tasks like invoice generation, payment reminders, and reconciliation.

Payment fraud detection systems
Payment fraud detection systems

Built upon ML and analytics, payment fraud detection systems monitor transactions and account behavior to prevent unauthorized access to funds or financial information. Plugged into an app and backend, this software records every action, including user account creation, password update event, and others, to check payment validity and prevent fraudulent transactions.

Our success stories
Discover what fintech startups choose Orangesoft to deliver secure, reliable, and cost-efficient fintech solutions.
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Your software development challenges, solved

Payment solution development can be a pretty tall order, especially when you lack the necessary knowledge or capacity to pull it off on your own. We work as your trusted tech partner, helping you overcome development challenges on your way to the top.

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Security and compliance

Security and compliance

The payment processing landscape is a data-intensive niche where transactions must be both seamless and highly secure. Our experts help fine-tune your application to the latest data payment data security standards and make it compliant with PCI DSS, PSD2, SOC1 and SOC2, GDPR/CCPA, and other regulations.

Scalability

Scalability

We plan for headroom right from the start — that’s why our developers design a scalable architecture fit for your needs now and in the future. We also perform performance testing to make sure your app can handle growing volumes of transactions, users, and data without compromising performance and security.

Fault tolerance and reliability

Fault tolerance and reliability

We put fault-resilience mechanisms in place, leverage SOA or microservices architecture, deploy to multiple AZ zones and configure services for auto-scaling, utilize queues and batching for processing, and perform all kinds of testing and simulating to validate the reliability of your payment solution.

Data integrity and redundancy

Data integrity and redundancy

We ensure the accuracy, consistency, completeness, and reliability of payment data throughout its lifecycle by implementing data validation techniques, introducing access controls and authentication mechanisms, and setting up data backup and recovery procedures.

Integration

Integration

No matter what type of integration challenges you’re facing, our team makes sure your payment software seamlessly integrates with the required processing systems. It starts with simple drop-in payment gateway integrations and goes down to sophisticated integrations with payment processors, POS terminals, card networks, utility providers, and bank APIs.

Fraud detection and prevention

Fraud detection and prevention

Managing payment security is a challenging yet mandatory task for payment software. Our developers embed a combination of conventional and advanced payment processing fraud protection solutions, such as rule-based systems, behavioral analysis, biometrics, and others, to protect your application from hackers.

This is how we get it done

Mature, calibrated digital product development process honed by 300+ projects.

Product discovery

In collaboration with your team, we review your product vision and determine how it compares to the real market and user requirements. Our team distills your project requirements, defines the must-have functionality and integration needs of your solution, and prepares a project roadmap.

2-3 weeks

Development planning

Based on the scope of the project, we determine the appropriate development approach. Our team proceeds with creating a system's architecture, selecting a tech stack and providers to integrate with, and, if necessary, helping you choose essential product metrics. Our project managers also provide you with estimations, timelines, and team composition.

3-5 days

MVP design and development

We rely on our proven Agile practices and documented requirements to promptly build a minimum viable product. Our developers focus on essential functionality to accelerate the development process and optimize costs. Our development team also implements analytics into your MVP to facilitate KPI tracking.

2-5 months

Post-launch support

After the launch, our team performs constant check-ups of your solution to make sure it performs well and provides a smooth user experience. We also provide ongoing support and maintenance for your product and implement the necessary changes as outlined in its roadmap.

unlimited

Growing your digital product

When your product is ready to drive forward, our fintech developers adjust its server architecture, databases, and code so it can handle a growing user base with no disruptions or performance hiccups.

unlimited
Need help with payment software development?Contact our team

Here’s what makes us a great fit for your fintech project

As your technology partner, we go above and beyond to maximize the success of your digital product.

Focus on securityProven track recordAccurate scoping and estimatesHands-on experience in regulatory compliance
Focus on security

Focus on security

Data security is a top priority for any payment software, and we treat it as such. To ensure the security and integrity of your data, we use the latest security and compliance practices such as SSL pinning, application integrity checks, anti-root/jailbreak checks, multiple layers of obfuscation, strong cryptography algorithms and data encryption, sensitive data tokenization and other techniques.

Proven track record

Proven track record

We have over 300 projects in our portfolio, which allows us to gain a unique perspective on your tech challenges and offer an optimal solution that fits your budget and timeline.

Accurate scoping and estimates

Accurate scoping and estimates

No surprises down the road — our team uses a combination of project estimation techniques to accurately determine the project's scope, schedule, and budget, allowing you to forecast development costs and release dates.

Hands-on experience in regulatory compliance

Hands-on experience in regulatory compliance

We specialize in developing software for heavily regulated industries such as financial services and healthcare. That’s why we’re keenly aware of the necessary security features to ensure adherence to fintech regulations, including PCI DSS, PSD2, SOC1 and SOC2, GDPR/CCPA, and others.

Our clients say it better

Delivering development, design and UI/UX specialists, Orangesoft provided end-to-end services. I am highly pleased with the technical delivery, stating that they haven’t encountered any issues. They are a flexible team that excels at working with customers new to mobile apps.
Olegs Orlovs
They’re a great team that clearly has strong expertise in mobile development and can deliver high-quality solutions for complex projects. The personalized apps they’ve built have increased conversion and sales for many of our customers.
Vadim Konovalov
The Orangesoft team is professional and has particularly strong mobile developers. They have an extensive history of on-time deliveries and are able to scale their team up or down depending on the situation at hand.

Questions you might have

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What are some common features of payment software?

The exact set of features varies depending on the type of payment software. Most payment solutions, such as a custom payment gateway, payment processing software, and money transfer app, include multi-currency support, robust security features, and detailed reporting and analytics. Some payment applications also have voice-activated commands, smart digital assistants, and AI-powered payment planning.

Can payment software integrate with other business software?

Payment software can integrate with accounting software, ERPs, e-commerce platforms, expense management software, and other business systems.

How much does it cost to build a payment gateway?

The cost of developing a custom payment gateway varies based on the tech stack, security needs, compliance requirements, and other factors. Overall, the price ranges from $160,000 to $300,000.

What is the architecture of the payment gateway?

An online payment gateway serves as an intermediary between the merchant's server (the one processing customer requests) and the payment processor that handles the actual payment processing. Payment gateway system architecture also includes the Acquiring Bank, which provides a payment processing system or independent payment processing providers such as PayPal, Stripe, and others. The Issuing Bank also takes part in the transaction as the financial institution that issued the credit or debit card used in the transaction.

After the customer triggers a purchase, the payment gateway takes over with the Secure Sockets Layers (SSL), establishing an encrypted channel for secure data exchange. Once the transaction is authorized via 3D Secure, approved in a payment processing network, and settled between the customer's bank and a company's bank, a payment gateway automatically communicates payment success or decline to the customer.

How does it work?
  • 1. Intro call
    During a 30-minute meeting, our domain expert dives into your business and describes the steps for future collaboration.
  • 2. Free discovery workshop
    Together with you, our technical team defines the user flow, feature list, and project risks.
  • 3. Project planning
    We provide the implementation plan, timelines and estimations for your project.
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