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Build a payment processing software and become a Payment Service Provider

Provide a complete stack of online and offline payment processing services for merchants, enabling them to accept payments, from online to POS and QR payments.  Use our powerful PayTech Platform to launch your payment services without having to build your processing and payment gateway software from scratch.

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payment processing software

The software you need to build a world-class
payment processing business

Catering to FinTech products for all business types

Empower various businesses, including online e-commerce marketplaces and brick-and-mortar stores, to accept payments through different channels.

Streamlined payment acceptance

Get maximum flexibility to customize the payment transaction flow and offer frictionless transaction processing both in-store and a secure payment gateway for online transactions.

Any currency, multiple channels

Support an unlimited number of currencies and let merchants accept card payments, process digital wallet transactions as well as bank debit card payments, etc.

Deep dive into the out-of-the-box feature set

Show your audience you understand their routine and ensure they don’t waste time on trivial tasks. Attract merchants with the top-notch UI that streamlines and optimizes business processes for them. Help them achieve higher efficiency and reap the rewards of a quickly growing customer base and profits.

Online POS
  • online POS registration
  • web-payments acceptance via:
    • hosted payment page
    • host-to-host integration
  • Configurable checkout page
Payment initiation
  • send invoices and payment requests via:
    • push notifications
    • dynamic QR-codes with POS data and transaction sum
    • a payment link via email, messengers or SMS
Payment acceptance
  • In-store payments:
    • Via credit or debit cards
    • from digital wallet
    • from bank account
  • Online payments (checkout page):
    • by credit or debit cards
    • from digital wallet
    • from bank account
  • Tips acceptance
Instant/Regular payouts
  • Receiving settlement amounts to the merchant’s:
    • bank account
    • card
    • mobile phone
    • digital wallet
Receipts generation
  • manually, from transaction history
  • via sending email receipts after the transaction
Refunds initiation
  • initiating refund transactions on the customer’s demand
Merchant's digital wallet
  • opening a digital wallet for the merchant’s personal use
Roles & permissions management
  • individual
  • merchant
  • administrator
  • accountant
  • compliance manager

Intuitive back-office for your team

Serving the customers
Client onboarding
Accounts
Transactions
AML/Anti-fraud
Customer support
User action history
Client onboarding

Self-registration via email or phone

Flexible survey and document uploading (such as identity, utility bills, etc)

KYC

Automated (via pre-integrated vendors)

Manual (via back-office interface)

Two-factor authentication (2FA)

Accounts

Accounts in any currency

Any digital assets: crypto, points, bonuses, etc.

Ledger for accounting and reflection in the system of any currencies or digital assets

Card issuing (via pre-integrated vendor)

IBANs (via pre-integrated vendor)

ACH (via pre-integrated vendor, coming soon)

Transactions

Top-ups and withdrawals

Payment gateway operations (via pre-integrated vendors)

In-system transfers or payments

In-system currency exchange

External currency exchange (via pre-integrated vendors)

Payment link

QR-payments (coming soon)

Refund and chargeback (coming soon)

AML/Anti-fraud (coming soon)

Identify suspicious transactions promptly

Obtain the client’s confirmation to exclude fraud

Get a proof of income from a client to be AML-compliant

Freeze/unfreeze customer accounts if necessary

Close the case

Customer support (coming soon)

All customer details and activities in one place

Communication with clients and creating notes

Chats with customers via in-system messaging service

Notes about a customer for future

User action history

Log of system activities by clients and team members

Full details: logins, sessions, actions performed

Valuable for investigation purposes

Monetization and finances
Contracts and vendors
Fees and limits
Reconciliation and settlement
Operations with cash
Contracts and vendors

Vendor terms and conditions input

Creating customer contracts with different sets of commissions and limits

Let customers choose the preferred contract type (e.g. with or without monthly fees)

Fees and limits

Customizable fees for any transaction: %, flat fee, or combination of them

Configuring the fee bearer (sender or receiver)

Transaction limits (per period, amount or number of transactions)

Reconciliation and settlement (coming soon)

Company liabilities reconciliation

Liabilities in front of your clients

Liabilities in front of your vendors

Identifying unmatched transactions and discrepancies

Resolving the detected issues

Clear picture of your company’s gains on top of transactions

Operations with cash

Ability to account any type of cash and manage “cash-desk” operations

ewaller and cashout for ecommerce

Grow your profit

Get the most out of flexible transaction fees and limits configuration possibilities to maximize your revenue, plus attract and retain customers via personalized tariffs.

Independent pricing for transactions and products

Manage deposit and payment fees apart from payment cards fees and wire transfers (SWIFT/SEPA) for maximum flexibility.

Personalized tariffs

Easily tweak pricing for the previously set up customer segments. Leverage individual tariffs to meet specific business contract terms

Impose money flow limits

Manage potential risk by activating turnover and transaction limits for specific merchant segments, based on the risk level.

Dynamic scalability

With a workload capacity of 2,700 TPS* (transactions per second), the SDK.finance system can handle over 230 million transactions per day.

This ensures that the Platform can easily support your business growth by handling transaction volumes from 1 thousand to 1 billion or more transactions per month without performance issues.

Ready-to-use integrations

The SDK.finance payment processing software comes with pre-integrated providers for key functionalities such as payment acceptance, card issuance and KYC compliance. This streamlined integration process ensures a hassle-free setup of your financial transactions. You can find more information about integrations here.

Become a payment service provider through the pre-developed processing software

Accelerated time-to-market

SDK.finance merchant payment processing solution offers a shortcut to the product development cycle, putting you right on the doorstep of offline or online processing product launch, rather than starting from the ground up, which saves you months of active development.

Flexible delivery

Choose a hybrid-cloud software for an affordable and quick launch, an on-premise source code version for full control and independence from the vendor, or switch between the two.

Simplified compliance

Hybrid-cloud delivery model lets you have your transactional core app hosted on a public cloud provider and maintained by our team, while you host your entire database with sensitive details on-premise or in the private cloud for top security and facilitated data localization compliance.

Payment processing software development

With the SDK.finance dedicated development team, you can accelerate your FinTech project launch.

  • Accelerated payment processing system release.
  • Ready financial backend Platform.
  • Expert team without hiring headaches
  • Saved in-house team’s resources
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SDK.finance payment processing software – customer success stories

Geidea - a leading MENA PSP: Enhanced transactions accounting, improved scalability, fast payouts

Our customers have been able to optimize their accounting procedures, improve user experiences, expand their market presence, and explore new growth opportunities in the fintech industry thanks to the SDK.finance ledger.

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MPAY: A user-friendly payment app

MPAY transformed their cash-in payment kiosks into a payment app by integrating with SDK.finance payment processor software, resulting in a successful conversion process.

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    Connect with our experts and learn how our Platform aligns with your product needs.

    from 2,700

    Transactions per second

    11+

    Years on the market

    470+

    APIs

    60+

    modules

    Our pre-integrated partners

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    SDK.finance Payment Processing Software FAQs

    Can I request a Demo of the SDK.finance payment processing software?

    Yes, we provide an interactive sandbox demo environment on our Product Demo page. It’s available there and then, no need to send a demo request and wait.

    Are there any location-related restrictions for using your payment processing software?

    There aren’t location-related restrictions for using our payment acceptance software, because the SDK.finance Platform can be easily customized, which allows you to comply with the regulatory requirements. With the hybrid-cloud PaaS version, you manage and host the main database, which helps to adhere to the data localization regulations.

    What tech stack is the SDK.finance payment acceptance platform built with?

    SDK.finance uses the most advanced technology stack for building its payment acceptance platform. We develop code on the Java 17 LTS. SDK.finance provides security testing with JUnit, Arquillian and OWASP security scanner. We review the code quality with SonarQube, UpSource and FindBugs.

    The implemented REST and gRPC API architecture helps to facilitate integration with third-party providers and services and assists in driving your banking or payment product innovation.

    Is SDK.finance an open-source payment processing software?

    The SDK.finance payment processing is available as PaaS version or with the source code license. It is possible to download and modify our front-office and back-office UI packs/UI kits on GitHub, but all functionality lies in using the APIs of the SDK.finance backend app.

    Is SDK.finance payment processing platform cloud-based or on-premise?

    Our digital payment processor software is available in two variants:

    1. The subscription-based payment model is hosted on the marketplaces of major cloud providers such as AWS, and Azure will soon follow suit. You get the app deployed on the cloud, the database is hosted on your own server for the sake of data localization compliance and security.
    2. An on-premise version comes with the source code license, available for a one-time flat fee.

    Learn more about the details of the source code purchase.

    Can I buy the payment acceptance platform source code?

    To buy the payment acceptance platform source code you can contact us, and share your product vision.

    The purchasing process takes 3 steps:

    1. Technical audit of the product by your team
    2. Knowledge transfer period from our team to yours
    3. Signing the contract and code handoff.