Payment Software Development Company
Build and scale your payment product with a team backed by 15+ years of FinTech experience. SDK.finance develops custom payment processing systems, digital wallets, and mobile payment apps around your business model. From discovery and design to integrations, testing, and launch, we turn complex payment requirements into reliable software your customers can count on.
Discuss Your ProjectCustom Payment Solutions for Your Business
From digital wallets to payment processing, we develop solutions around your customers and business needs.
Payment Processing
Build software to accept online, POS, and QR payments, track transactions, and manage refunds and settlement through your payment providers.
Learn more
Payment Gateways
Develop gateway software that connects your business to payment providers and manages payment requests, transaction statuses, and refunds.
Learn more
Digital Wallets
Create wallets where customers can hold balances, add funds, make payments, and view their transaction history.
Learn more
Mobile Payment Apps
Build branded mobile apps that let customers pay, send money, and track transactions from their phones.
Learn more
Money Transfers
Develop applications for domestic and international transfers, with recipient details, fees, exchange rates, and payout tracking.
Learn more
Embedded Payments
Add payments directly to your marketplace, platform, or business app, with customer balances, commissions, and payouts.
Learn morePayment Software Development Services
We design, develop, and integrate custom payment software, from product discovery to testing and launch.
Payment Product Discovery & Design
- Payment requirements and flow mapping
- Software architecture and API planning
- UX/UI design for web and mobile
- MVP scope and release roadmap
Custom Payment Software Development
- Payment backends and mobile apps
- Transaction logic, fees, and limits
- Back-office tools and reporting
- Legacy modernization and migration
Payment Integrations, Testing & Launch
- Gateway, banking, and card integrations
- KYC, KYB, and AML connections
- Payment, performance, and security testing
- Deployment and launch support
From payment requirements to a tested release
Define the scope
Map users, currencies, payment flows, and provider needs. Identify what the Platform covers and where your product needs additional development.
Plan the implementation
Review the architecture and select your delivery team. Agree on responsibilities, deployment, and the work needed for your first release.
Configure and customize
Set up accounts, fees, limits, and permissions. Adapt interfaces and develop the business logic specific to your payment product.
Connect your providers
Integrate the required payment, banking, and verification services. Test transaction statuses, error handling, and reconciliation across connected systems.
Test and prepare for launch
Validate end-to-end payment flows, balances, security, and performance. Prepare operational handover, monitoring, and support responsibilities before going live.
Progressive technology, built by experts
Flexible infrastructure options
High code quality
SonarQube
OWASP
TestRail
Security and compliance
PCI DSS v4.0.1 Level 1 Service Provider
ISO 27001:2022 certified
Spring Security 6.5.10
Proven expertise, backing your venture
15+ years in FinTech
40+ team members
Modern tech stack
APIs
650+ APIs
OpenAPI v3
Backend
Java 25 LTS
Spring Boot 3.5.12
Spring 6.2.17
Hibernate 6.6.44.Final
Data management
PostgreSQL 17.6
MongoDB 8.0.4
Apache Kafka 3.x–4.x
Backoffice
Vue.js 3.5
TypeScript 6
Mobile app
React Native
TypeScript 5
Version control and CI/CD
GitLab
SDK.finance at a glance
650+
APIs
50
clients
2,700
transactions per second
15+
years in FinTech
The World of Digital Payments
by Pavlo Sidelov, Ph.D.,SDK.finance Co-founder, CTO & Payment Expert
Payment Software Features We Develop
Our payment software development services cover the features your product needs, from transaction processing and multi-currency accounts to customer verification, cards, and financial reporting.
Transactions, Fees & Reporting
Develop payment transaction processing for transfers, top-ups, withdrawals, and refunds. Set fixed or percentage-based fees and transaction limits around your business model. Give your team clear payment reporting, transaction histories, and reconciliation tools to track balances and revenue.
Multi-Currency & Crypto-Friendly Payments
Build multi-currency payment software with separate currency balances, exchange workflows, and cross-border payment integrations. Add crypto-friendly functionality by connecting digital asset custody and exchange providers, enabling customers to manage fiat and crypto-linked balances within one product.
KYC & Customer Verification
Integrate KYC and KYB providers into your payment software to verify individuals and businesses during onboarding. Develop document checks, verification status tracking, and manual review workflows. Connect AML screening services and apply account permissions and payment limits based on verification results.
Payment Cards & IBANs
Connect card issuing and banking providers to offer virtual and physical payment cards and accounts with IBANs. Develop card activation, spending controls, and transaction history, alongside incoming and outgoing bank transfer workflows linked to customer balances.
Why choose SDK.finance?
Work with a payment software development company that combines FinTech experience, client trust, and internationally recognized security standards.
15+ years of FinTech experience
Bring practical payment expertise to your project. Our team understands transaction processing, digital wallets, money transfers, and provider integrations, helping you turn complex requirements into reliable payment software.
Trusted by 50 clients
Join 50 clients who have chosen SDK.finance for their financial products. We bring experience across different business models and payment use cases to shape software around your customers, workflows, and growth plans.
Security and data protection
SDK.finance is a PCI DSS Level 1 compliant service provider and ISO/IEC 27001:2022 certified. Our GDPR-ready practices support personal data protection, bringing payment security and information security management into your development project.
Success stories from our Clients
Discuss your payment software development project
Tell us what you want to build, which providers and systems you need to connect, and what development resources you have. We’ll help you assess the Platform’s fit and identify the next steps for implementation.
Payment software development FAQs
What does payment software development include?
It can include requirements analysis, system design, payment workflows, customer and merchant interfaces, provider integrations, testing, and deployment. With SDK.finance, the project starts with an existing software foundation. The implementation scope identifies which requirements can be configured, which need an integration, and which require custom development.
What types of payment software can I build with SDK.finance?
You can use the Platform as a foundation for merchant payment services, digital wallets, money transfer products, and payment functionality embedded in an existing business. Your product’s capabilities depend on the selected modules, customizations, and external providers. SDK.finance supplies the software layer for these products.
Who will develop and implement my payment product?
You can use your own development team, engage a specialized SDK.finance implementation partner, or combine the two. SDK.finance helps you evaluate the Platform and identify an appropriate implementation approach. Development, integrations, production support, and maintenance responsibilities are agreed for your project.
How does a ready-made platform change custom payment software development?
Your team can reuse the Platform’s transaction engine, account management, back office, and APIs. Development then focuses on your product’s specific workflows and integrations. A technical review and gap analysis establish how much of your planned product the existing software covers before you commit to the implementation scope.
Which payment gateways and providers can I integrate?
Available integrations include Mastercard Gateway, Cybersource, and Corefy, along with providers for verification, card issuing, and other services. Additional connections can be assessed during discovery. Each integration depends on the provider’s capabilities, availability in your market, and your commercial agreement. See the current integration options.
Can SDK.finance support payment gateway development?
SDK.finance can provide the transaction, merchant-management, and operational foundation for a gateway-related product. Your implementation connects the required gateway or acquiring providers and adapts the surrounding workflows. The software does not replace those providers or grant access to payment networks automatically.
Can I license and customize the source code?
Yes. The source code license enables your team to customize the Platform and operate it on your chosen infrastructure, subject to the license terms. This gives you control over implementation and future development. It is commercial licensed software, rather than an open-source project.
Does the SaaS subscription include development services?
No. The subscription provides access to the ready-made SDK.finance Platform. Custom development, feature extensions, and additional integrations are outside the SaaS subscription. Your technical team is responsible for this work; discuss the implementation approach and any external delivery resources separately.
How much does payment software development cost?
The budget depends on custom workflows, interfaces, integrations, migration, and testing requirements. Plan separately for the software license or subscription, implementation work, infrastructure, third-party provider fees, and ongoing support. Share your requirements to assess the Platform’s fit and establish the scope needed for a project estimate.
How long does payment software development take?
The timeline depends on the gap between your requirements and the existing Platform, the integrations needed, and your team’s capacity. Provider onboarding, data migration, and testing can also affect launch readiness. Using a ready-made core reduces the functionality to build; the delivery schedule is established after scoping.
Can I connect SDK.finance to an existing payment system?
Yes. You can assess API integration or introduce SDK.finance as a transaction and ledger layer within your existing architecture. Discovery should establish system responsibilities, data mappings, migration requirements, and reconciliation between systems. The Geidea case illustrates adapting SDK.finance to an existing payment environment.
How are security and compliance addressed?
SDK.finance provides role-based access, transaction visibility, and integrations with verification providers. Your implementation must also address infrastructure security, data handling, testing, and operational controls. Applicable compliance requirements depend on your business and payment flows; using the Platform does not automatically certify your complete product or business.
What technology will my development team work with?
The Platform uses a Java and Spring backend, PostgreSQL and MongoDB data stores, and Kafka for messaging. Its back office uses Vue.js and TypeScript; the mobile application uses React Native. Your team can use 650+ APIs to connect services and extend the product. Review the technology overview during technical evaluation.