Payment Processing Development & Gateway Integration Services
Softjourn

Payment Processing Development

Payment Processing is our original area of expertise.

Payment Processing Development and Integration Services

Payment Processing Development

With the ever-evolving innovation in payments, we understand keeping up with all that clients demand diverts your attention and your time. We can help. Developing creative custom solutions for every aspect of payment gateways is what we do – and better than most.

Businesses in every industry must get paid. From accepting customer payments, to enabling users to pay each other, we assure every aspect of a transaction is accurately handled. Whatever your role and to whatever extent you need help, we’ve got you covered. From custom solutions to integrating existing technology, we can build any application you can imagine – and then some. Throughout, security will be ironclad and users will love interacting with every system we create for you.
 

What We Provide

Payment Processing Solutions
Payment Processing Solutions
Whether you work for a bank, their customers, or their networks, we provide the seamless support you need for payments-on-the-go.
Payment Gateway Development Solutions
Payment Gateway Development Solutions
We develop affordable, custom payment gateways that help reduce payment processing costs, as well as control and exploit any relevant competitive advantage.
Payment Integration Services
Payment Integration Services
If you don’t wish to build and maintain a payment gateway, we offer turnkey solutions that take much of that work off your hands. We can also help you implement them.
Custom Payment Applications
Custom Payment Applications
If you need a unique payment application for your business, we can help build any payments application your organization can imagine.
EMV Development Services
EMV Development Services
We create development services that are “integration compliant” with EMV, as well as other consumer protection and payment standards.
Payment Processing Fraud Protection
Payment Processing Fraud Protection
Protect your customers by making payment information more secure, as well as alert them to possible fraudulent accounts and transactions.
Payment Processing Security Solutions
Payment Processing Security Solutions
Every solution we offer is safeguarded by robust security, while making sure users love interacting with every system we build.
Multi-Currency Processing Solutions
Multi-Currency Processing Solutions
If you process payments from different countries or have international customers, we can make your life easier with more efficient payment solutions.
Contactless Payments
Contactless Payments
Cashless payment solutions simplify and speed up transferring money between different parties, while reducing the need for any physical contact.
Digital Wallets
Digital Wallets
Another cashless solution, this software enables you and your clients to make fast, convenient, secure electronic transactions.

Development and Integration

We Integrate with Existing Payment Gateways
1.We Integrate with Existing Payment Gateways

Currently we support 15 payment gateways, with more on the way. Our gateway integrations enable you to expand the options you offer merchant clients and prospects quickly, economically, with minimal tech support.

When you expand your payment gateways with us, in effect, you’re sharing maintenance and developmental costs with others. Software development is our core competency, so we always have the right talent available to handle whatever your needs. Which means you never have to worry whether your staff has the right tech skills or interrupt your in-house IT needs in order to add a hot, new payment gateway.

We Develop Custom Payment Gateways
2.We Develop Custom Payment Gateways

Sometimes a standard integration isn’t enough. Perhaps you or your merchant clients may need a custom payment gateway. We can develop a custom payment gateway or add custom features to our third-party integrations. Either gives you the advantages of more flexibility to enhance functionality, security and the user experience.

You or your clients get the exact payment gateway needed, while our experience ensures a fast, efficient, seamless development process. As your business and ecosystem evolves, we’ll be there to keep business moving forward.

Our Systems Are Secure

Today, payment security is a matter of trust between you and your users. If you decide to continue working with existing security providers, we can help make tighter connections to their systems. If you recognize the inherent risk in exporting this function or you want more flexibility, we make sure the data protection you offer is second-to-none.

Softjourn has proven experience with the following security features/standards:

EMV “smartcards” are now becoming a global standard. Instead of a magnetic strip, these cards have a chip that generates a new transaction code with each use. This makes the card less susceptible to data being scanned or misused. EMV compliance is necessary to minimize fraud liability.

 

Picture 01

Payment Card Industry Data Security Standards (PCI DSS) is the benchmark for effectively protecting consumer payment data.

3-D Secure (3DS) payments generally require a password to use a payment card. While sometimes accused of being an impediment to closing sales, two-factor authentication (2FA) provides a backstop for forgotten passwords. This authentication may combat the growing incidence of card-not-present (CNP) fraud, often carried out with card numbers hacked from organizations not using any of these technologies.

Picture 02

End-to-End (E2E) encryption, aka Point-to-Point (P2P), ensures payment data remains encrypted throughout the process – and as long as it’s held by any party involved.

A hardware security module (HSM) is technology used at the end of an E2E chain so financial institutions can store and apply encryption keys via a tamper-proof device.

Tokenization is an alternative to E2E encryption for specialized needs. Sensitive data is replaced by a meaningless token generated, and later validated, by a trusted authority that securely performs the actual transaction with the original data.

Picture 03

Today, security of payments is a matter of trust between you and your users. You may be content to depend upon the security measures of existing providers. If so, we can help you make tight connections to their systems. If, on the other hand, you recognize the inherent risk in exporting this function or you want more flexibility than their secure solutions provide, we can make sure that the data protection you offer your users is second-to-none. Softjourn has experience with the following security features/standards: 

EMV “smartcards”

Payment Card Industry Data Security Standards (PCI DSS)

Just as you enter a password to access a secure website, 3-D Secure (3DS)

End-to-End (E2E) aka Point-to-Point (P2P)

A hardware security module (HSM)

Tokenization

Picture 01

Banks Recognize Our Expertise

Banks turn to us for our extensive knowledge of payment ecosystems, which we adhere to the exacting standards of major financial institutions. UPC is a network services provider for the payment processing divisions of Ukrainian banks.

We built a testing infrastructure that enabled UPC to fix bugs and scale to handle transaction volume expected to hit their card-processing application. To achieve quality and quantity, we performed event logging so problems could be isolated and resolved. This involved generating transactions for Raiffeisen Bank Aval (one of Ukraine’s five largest banks) - a UPC customer - and user of the system.

We also improved payment processing to support contactless cards.

Picture 04

Our experience working with banks goes well beyond payment processing. By implementing blockchain solutions, we can support any financial institution that sees the market potential of allowing customers to buy and sell cryptocurrencies directly from their bank accounts. 

At conferences such as FinDEVr, banks and others are monitoring our progress using these advanced technologies. They realize the results could very well guide future payment processing solutions. Talk to us about how we can seamlessly facilitate your corporate and B2B payments, cash management, or international bank transfers. We can also help you remain relevant with a customer base whose expectations for seamless user experience continue to rise. 

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Some of the Gateways We Support

Technologies
2checkout Logo
Adyen Logo
Amazon Payments
ANET Logo
Bambora Logo
Blue Pay Logo
Chase Logo
Google Wallet Logo
Helcim Logo
Moneris Solutions Logo
Payeezy Developers Logo
Paypal Logo
Saferpaymobile Logo
Stripe Logo
Vantiv Logo
VISA Logo
First Data Logo
TSYS Logo
Braintree Logo
And More

Example Projects

Spend Only What You Need on Hardware
When UPC began to plan an upgrade of its servers, it needed to run a load test to make sure that the new server…
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An Ongoing Relationship Built on Ongoing Success
The UPC/Softjourn relationship started small. In 2008, UPC asked Softjourn for assistance as part of its systemwide server upgrade.
Read More
Cryptocurrency Banking Service
Softjourn recently developed prototype functionality, which we call our Cryptocurrency Banking Service…
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Partnership & Recognition

IAOP Logo
Infinity Logo
Microsoft Gold Logo
Monax Logo
Xamarin Authorized Partner Logo
Inc500 Logo

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