Payment Processing Development & Gateway Integration Services
Softjourn

Payment Processing Development

Payment processing is Softjourn’s original area of focus.

Payment Processing Development and Integration Services

Payment Processing Development

Payment processing is Softjourn’s original area of focus. We understand that with the ongoing innovation in payments, keeping up with everything your clients and potential clients want and ask for is a growing challenge. So, let us support you to offload the tech challenges that divert your attention and eat up your time. Developing creative custom solutions for payment gateways and lots of additional aspects of payments is what we do at Softjourn, and we’re very good at it.

Businesses in every industry have one thing in common—they have to get paid! Whether you need to accept payment from your customers or build a platform to allow users to accept payments from each other, we’ve been there. Recognizing that a successful solution relating to payments requires that all aspects of transactions be handled appropriately, Softjourn has developed expertise across this broad territory.

Whichever role in a financial transaction you perform and to whatever extent you need either a customized solution or integration with existing solutions, we can stand behind you, making sure that the work is done right. We can help your organization build any payments application you can imagine. Throughout, we give security the attention it deserves while making sure that users love interacting with every system we build.

What We Provide

Payment Processing Solutions
Payment Processing Solutions
Whether your work is for banks, their customers, or their networks, we provide the support you need for payments-on-the-go.
Payment Gateway Development Solutions
Payment Gateway Development Solutions
We develop custom payment gateways which is reasonable if you want to reduce payment processing cost or just to control and exploit any relevant competitive advantage.
Payment Integration Services
Payment Integration Services
If building and maintaining a payment gateway is not for you, there are turn-key solutions that will take much of this work off of your hands. We can help you implement those.
Custom Payment Applications
Custom Payment Applications
If you're looking to create a unique payment application for your business, just let us know. We can help your organization build any payments application you can imagine.
EMV Development Services
EMV Development Services
We provide development services including integration compliant with EMV, as well as other consumer protection and payment standards.
Payment Processing Fraud Protection
Payment Processing Fraud Protection
We protect consumers by making payment information more secure and alerting consumers to possible fraudulent accounts and transactions.
Payment Processing Security Solutions
Payment Processing Security Solutions
Throughout, we give security the attention it deserves while making sure that users love interacting with every system we build.
Multi-Currency Processing Solutions
Multi-Currency Processing Solutions
Are you dealing with payments from different countries? Do you have international customers? We know how to make your life easier with efficient payment solutions.
Contactless Payments
Contactless Payments
To simplify and speed up the process of transferring money between different parties and reduce the need of any physical contact just use our cashless payment solutions.
Digital Wallets
Digital Wallets
Another cashless solution for you is digital wallet. With this software product you and your clients will be able to make convenient, fast and secure electronic transactions.

Development and Integration

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

We already support 15 payment gateways and we’re continually expanding our list. And, you can use our gateway integrations to expand the options you offer to your merchant clients and prospects—quickly, economically and with minimal requirements from your technical staff.

By choosing to expand your payment gateways with us, you’re—in effect—sharing the developmental and maintenance costs with others. And, you never have to worry about having the right tech skills on staff or interrupting your in-house IT’s priorities to add a hot new payment gateway. At Softjourn, software development is our core competency and what we do full time, so we always have the right talent on staff to handle whatever your needs call for.

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

But what if a standard integration isn’t enough? What if you or your merchant clients need a payment gateway customized to your needs? We can handle that challenge, too. We can develop a totally custom payment gateway or add custom features to our third-party party integrations to give you the benefits of the most popular gateways with added flexibility to enhance functionality, security and the user experience.

Either way, you or your client get the exact payment gateway needed, and our experience ensures a fast, efficient, seamless development process because this isn’t our first rodeo.
And, as your business and ecosystem needs evolve, we’ll be there to keep you ahead.

Our Systems Are Secure

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” are now becoming a global standard. These cards (with a “chip” instead of a magnetic stripe), generate a new transaction code with each use, so that the card is less susceptible to having its data read surreptitiously and misused. EMV compliance is necessary to minimize fraud liability.

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

Just as you enter a password to access a secure website, 3-D Secure (3DS) payments generally require a password to use a payment card. Although this step is sometimes accused of being an impediment to closing sales, two-factor authentication (2FA) has provided a backstop for forgotten passwords, here and more generally. The further 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!

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

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

Tokenization is an alternative to E2E encryption for certain specialized use cases. Sensitive data is replaced by a meaningless token that is generated and later validated by a trusted authority, which safely 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

In developing for banks, we demonstrate our thorough knowledge of the payments ecosystem and that we can work to the exacting standards of the major players in the financial industry. For UPC, a network services provider to the payment processing divisions of Ukrainian banks, we built a testing infrastructure that was successful in enabling them to both fix bugs and gear up to handle the transaction volume expected to hit their card-processing application. To achieve both quality and quantity, we performed event logging so that problems could be isolated and resolved. This project involved generating transactions for Raiffeisen Bank Aval (one of Ukraine’s five largest banks) as a customer of UPC and user of the system. We also improved their payment processing system to support contactless cards.

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Our experience working with banks goes well beyond payment processing. Implementing blockchain solutions, we can support financial institutions that recognize the market potential of enabling customers to buy and sell cryptocurrencies from within traditional bank accounts.

Banks and others are following our progress in these advanced technologies at conferences such as FinDEVr, as it may well inform future payment processing solutions. Talk with us about what we can do now to facilitate corporate and B2B payments, cash management, or international bank transfers, or to keep you 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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