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Payment Gateway Development from A to Z

Having 18 years of experience in payment software development and 20 years in cybersecurity, ScienceSoft delivers reliable and secure payment gateways that help businesses seamlessly accept digital customer payments.

Payment Gateway Development - ScienceSoft
Payment Gateway Development - ScienceSoft

Payment Gateway Development: Summary

Payment gateway development helps companies introduce custom payment functionality in their web and/or mobile applications and provides an opportunity to unlock new revenue streams.

Custom payment gateways support all required payment methods and currencies, offer advanced security of customer’s personal and payment data, seamlessly integrate with customer-facing apps and payment processing systems, and can be easily evolved with new features.

How to build a payment gateway in 7 steps

  1. Conduct a feasibility study.
  2. Design payment gateway software and select the optimal technology stack.
  3. Establish development and delivery automation environments.
  4. Develop the back end of a solution, a customer-facing checkout page, and an admin interface.
  5. Implement a secure database to store the sensitive data provided by customers.
  6. Run QA procedures in parallel with development to validate the payment gateway’s quality and fix the defects before the gateway is deployed.
  7. Deploy the solution in production and integrate it with other systems.

Timelines: 6–11 months on average.

Cost: $100,000–$300,000+ for a custom solution. You're welcome to use our free calculator to get estimates for your unique case.

Team: a project manager, a business analyst, a solution architect, a UX/UI designer, a DevOps engineer, a back-end developer, a front-end developer, a QA engineer.

With 750+ talents on board, ScienceSoft provides all the necessary skills to cover the end-to-end development of a custom payment gateway and ensure its compliance with relevant security standards.

A Sample Architecture of a Payment Gateway by ScienceSoft

Below, ScienceSoft shares a sample architecture of payment gateways we create, describes essential solution integrations and payment handling flow.

Architecture of a Payment Gateway - ScienceSoft

An online payment gateway serves as a bridge that enables instant and secure transfer of a customer’s personal and payment information between an application that hosts a checkout page (e.g., a merchant’s website, a customer portal) and one or several payment processing systems. The latter can be provided by a financial institution (an acquiring bank), independent payment processing providers (e.g., PayPal, Authorize.Net, Stripe, BitPay), or the company (in case of relying on in-house payment processing). The payment gateway verifies sensitive data provided by a customer (purchasing details, billing address, a credit card number, etc.), encrypts and stores it in a secure and compliant storage. Once a payment transaction is authorized in a payment processing system, approved in a payment processing network (e.g., ACH network, a card network, a crypto coin’s 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.

A payment gateway integrates with accounting software to instantly transfer data on the successful payments and receive triggers to timely charge due payments (e.g., recurring payments). Additionally, the solution may be connected to a data analytics system to share relevant data required to analyze cash inflow and customer payment behavior.

If you plan to monetize your custom payment gateway by offering it to other companies for a fee, the solution can be equipped with ready-to-use APIs to enable prompt and easy integration with customer-facing apps of the authorized merchants.

ScienceSoft’s Head of Information Security Department

If you choose to develop a custom payment gateway, you take full responsibility for achieving compliance with PCI DSS, PA-DSS, PSD2, and other relevant payment data security standards. Here at ScienceSoft, we provide a full scope of financial IT compliance services to ensure your payment gateway processes, stores, and shares sensitive information in accordance with the latest regulatory requirements.

When to Opt for a Custom Payment Gateway

From ScienceSoft’s experience, companies looking to implement payment functionality in their web or mobile application often have doubts about whether they should rely on a market-available payment gateway or build a custom solution. So far, integrating a prebuilt payment gateway remains a more popular option, as it offers a fast and easy way to enable digital payments. However, an OOTB gateway is not always the most economically feasible option. Prebuilt gateways can bring high fees for third-party payment gateway providers’ services. They may also require substantial efforts on customization and establishing smooth integration with the required apps.

ScienceSoft suggests opting for a custom payment gateway in the following cases:

You need a payment gateway providing specific capabilities, e.g., support for all required payment methods, including crypto payments, sophisticated recurring payments, AI-powered fraud detection, or on-demand scalability to handle the growing amount of payment transactions during peak times.

You need a solution that can be easily evolved with new functionality as your business grows or transforms.

You want to smoothly and cost-effectively integrate a payment gateway system with your existing software (e.g., an ecommerce website, a customer portal, a mobile banking app, an accounting system).

You want to monetize your payment gateway by allowing other companies to use it for a fee. For example, if you own an ecommerce marketplace, you can offer the merchants to accept payments via your custom-made payment gateway and charge them for this service.

It's high time to build your own payment gateway

Driven by the increasing volume of ecommerce transactions, the global payment gateway market is projected to grow from $26.1 billion in 2022 to $161 billion by 2032. With the ever-growing demand for convenient and safe digital payments, every company still has a chance to come up with an innovative payment gateway solution and become one of the biggest players on the market.

Companies that Benefit from Developing a Payment Gateway

Ecommerce merchants

Digital marketplace owners

Acquiring banks

Non-bank payment service providers

Managed billing service providers

Fintech startups

DeFi companies

Software product companies

How To Develop A Payment Gateway: Key Steps

Below, ScienceSoft’s experts describe the core steps we perform to create a payment gateway from scratch and share best practices to maximize the ROI from the project.

Step 1

Conduct a feasibility study

Step 2

Design payment gateway software and plan the project

Step 3

Select the optimal technology stack

Step 4

Build a payment gateway

Step 5

Deploy the solution in production

Step 6

Integrate the gateway with other systems

Step 7

Support and evolve the payment gateway (optional)

Payment Gateway Development: Featured Success Stories by ScienceSoft

Opt for Professional Payment Gateway Development Services

Having 34 years of experience in software development and 18-year expertise in paytech, ScienceSoft can provide:

Consulting on payment gateway implementation

  • Designing a secure and scalable payment gateway architecture.
  • Composing an optimal feature set and tech stack for a payment gateway.
  • Preparing a plan of integrations with the required systems.
  • Consulting on security and compliance.
  • Delivering a roadmap for payment gateway implementation, including cost and time estimates and a risk mitigation plan.
Go for consulting

End-to-end payment gateway development

  • Conceptualizing a payment gateway.
  • Payment gateway development.
  • Integrating the payment gateway with the required systems.
  • Implementing security policies, procedures, and controls for cardholder data to achieve PCI DSS compliance.
  • Quality assurance.
  • Support and evolution (if required).
Go for development

Why Choose Payment Gateway Development with ScienceSoft

  • Since 1989 in software development.
  • Since 2003 in cybersecurity to ensure world-class protection of your payment gateway solution.
  • In-house compliance experts to ensure that your payment gateway meets PCI DSS requirements and other essential region- and industry-specific standards and regulations.
  • Practical knowledge of 30+ industries, including ecommerce, BFSI, healthcare, telecoms, professional services.
  • Well-established Lean, Agile, and DevOps practices.
  • A quick project start (1–2 weeks) and frequent releases (every 2–3 weeks).
  • A mature quality management system and customer data security backed up by ISO 9001 and ISO 27001 certifications.
  • For the second straight year, ScienceSoft USA Corporation is listed among The Americas’ Fastest-Growing Companies by the Financial Times.

Our Customers Say

We aimed to enhance our web platform and create a mobile app to facilitate POS financing. ScienceSoft offered the needed skills in back-end and front-end development, quality assurance, and Scrum management. Thanks to ScienceSoft, we achieved our project goals on time and within budget. They provided high-quality service and valuable tech insights that aligned well with our vision and specific needs.

We chose ScienceSoft as a technology partner for the mobile banking development project. We were pleased with the outcomes of the project and with the collaboration mode. ScienceSoft brought to the table substantial expertise in mobile application development and a customer-centered approach to application design. We especially appreciate their professional approach to security issues, which were among our main concerns due to strict regulations.

For our project – building a Bitcoin mobile wallet on Cordova – we needed the assistance of a skilled mobile developer. ScienceSoft promptly provided us with an expert who joined our project team and quickly got up to speed with our Scrum processes. The developer quickly understood the existing code base and proceeded to modify and evolve it according to our requirements. Together, we released our app on time and on budget.

Typical Roles on ScienceSoft’s Payment Gateway Development Teams

Project Manager

Plans the payment gateway project (goals, timeline, budget), prioritizes the scope of work and monitors its execution, coordinates the project team, reports the progress to the stakeholders.

Business Analyst

Elicits and documents functional and non-functional requirements for the payment gateway, analyzes technical capabilities and limitations of the existing IT infrastructure.

Solution Architect

Designs the architecture of the payment gateway solution, including integration points with the required systems.

UX/UI Designer

Designs the UX and UI of a customer-facing checkout page and the back-office UI to monitor the payment gateway’s performance.

DevOps Engineer

Containerizes the components of the payment gateway solution and configures CI/CD pipelines for streamlined testing and facilitated deployment.

Back-end Developer

Delivers the back end of the payment gateway (including integration API code) and fixes defects reported by QA engineers.

Front-end Developer

Delivers the UI of a customer-facing checkout page and an admin panel and fixes defects reported by QA engineers.

QA Engineer

Designs and implements a test strategy, a test plan, and test cases to perform functional (incl. integration) and non-functional testing (e.g., security, performance, and usability testing).

Sourcing Models for Payment Gateway Development

ScienceSoft’s Tech Stack for Payment Gateway Development

ScienceSoft’s developers usually rely on the following reliable tools and technologies to build and implement a payment gateway:

Cost of Payment Gateway Development

Based on ScienceSoft's experience in payment software development projects, we defined the general cost factors that apply to the majority of payment gateway development use cases:

  • Requirements for the functional capabilities, performance, scalability, availability, and security of a payment gateway.
  • The number and complexity of integrations with relevant software (customer-facing web and mobile apps, payment processing systems, accounting software, data analytics solutions, etc.).
  • The required modifications of the integrated web and mobile apps, both on the technical level and on the app logic level.
  • Whether the payment gateway is going to be monetized or not: the former calls for the ready-to-use integration API development.
  • Requirements for the appearance, structure, and contents of a checkout page.
  • The need to obtain and maintain PCI DSS certification.
Pricing Information

From ScienceSoft’s experience, end-to-end payment gateway development cost varies from $100,000 to $300,000+, depending on the project complexity and the software specifics.

Want to understand the cost of your payment gateway solution?

Get a cost estimate

Learn the Cost of Your Payment Software

Please answer a few simple questions about your business needs to help our experts estimate the cost of your custom payment solution faster.


*What type of company do you represent?

*Which software version do you need?

*Which platforms should your payment software support?

*What is the expected number of software users?

Are you going to sell your software to:

*How many individuals will use your software, approximately?

*How many organizations are you planning to target, approximately?

*How many end users (individuals from all organizations) will use your software, approximately?

How many organizations are you planning to target, approximately?

*How many end users (both corporate and individual users) will use your software, approximately?

*What capabilities should your payment software provide?

*What payment method(s) should your solution support?

*Should your software provide complex analytics?

*Are there any compliance requirements for your planned solution? Choose all that apply.

*Would you require any integrations?


With corporate software, bank systems, external data sources (e.g., currency exchange data marketplaces), third-party services (user authentication, messaging), etc.

*Do you have any preferences for the deployment model?

*Do you need to migrate data from legacy software?

*Do you have tech stack preferences?


Particular programming languages, software platforms, cloud services, etc.

Your contact data

Preferred way of communication:

We will not share your information with third parties or use it in marketing campaigns. Check our Privacy Policy for more details.

Our team is on it!

ScienceSoft's experts will study your case and get back to you with the details within 24 hours.

Our team is on it!

FAQs about Payment Gateways, Answered

How long does it take to develop a payment gateway?

Payment gateway development with ScienceSoft may take 6–11+ months, depending on the project’s complexity. We can deliver an MVP of your custom payment gateway within 3–5 months and set the lean solution live to enable faster payback.

How to reduce the cost of payment gateway development?

Some of ScienceSoft’s practices to optimize payment gateway development costs are:

  • Designing an optimal feature set for the gateway to avoid investments in irrelevant and redundant functionality.
  • Relying on flexible modular architectures (SOA, microservices) to build different payment gateway components in parallel and reduce development timelines.
  • Using ready-made building blocks for the gateway logic, secure third-party APIs, reusable deployment scripts, etc. to reduce the share of expensive custom coding.
  • Composing the optimal development team and on-demand team up- and downscaling to prevent payments for excessive resources.

How to start the project with minimal risks?

Here at ScienceSoft, we thoroughly analyze the economic feasibility of custom payment gateway development for each client. Also, we can deliver a proof of concept to quickly assess the viability of an innovative solution (e.g., a crypto payment gateway) and test its compatibility with the required payment processing systems.

About ScienceSoft

ScienceSoft is a global software development company headquartered in McKinney, Texas. We help companies create reliable and secure payment gateway solutions tailored to their specific payment handling needs. In our payment gateway development projects, we employ robust quality management and data security management systems backed by ISO 9001 and ISO 27001 certification.