Payment Processing Development
We provide businesses with cutting-edge, secure, tailored solutions for their unique payment processing needs. Our experienced developers work closely with clients to understand their specific requirements and deliver high-quality, efficient payment systems. We specialize in integrating various payment gateways, ensuring seamless transactions, and enhancing user experience.
Trusted by startups and industry leaders worldwide
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Payment Processing and Payment Gateway Development Services
With ever-evolving innovations in payments, we understand that keeping up with all that clients demand diverts your attention and time. We can help. Developing creative, custom solutions for every aspect of payment gateways is what we do – and we do it better than most.
Businesses in every industry must get paid. From accepting customer payments to enabling users to pay each other, we ensure every aspect of a transaction is handled accurately. 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 Services We Provide
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
We develop affordable, custom payment gateways that help reduce payment processing costs, as well as control and exploit any relevant competitive advantage.
PCI DSS Compliance
Ensure your successful PCI DSS certification with our security assessment expertise. We’ll help you introduce and maintain appropriate payment security standards that assure compliance.
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
We create development services that are “integration compliant” with EMV, as well as other consumer protection and payment standards.
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
Every solution we offer is safeguarded by robust security, while making sure users love interacting with every system we build.
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
Cashless payment solutions simplify and speed up transferring money between different parties, while reducing the need for any physical contact.
Digital/Mobile Wallets
Another cashless solution, this software enables you and your clients to make fast, convenient, secure electronic transactions.
Buy Now, Pay Later (BNPL)
Buy Now, Pay Later (BNPL) is reshaping the landscape of e-commerce. If your company wants to enhance the retail checkout experience for your customers by developing BNPL features, Softjourn’s financial experts are the team you want.
Our Financial Clients
Finance
UPC: The True Value of Maintaining and Enhancing UPC's Operations
Softjourn's staff dedicated to UPC is largely focused on maintaining and continually enhancing UPC's critical Unix-based TPII system, which transmits authorization validation data among issuers, acquirers, and ATMs and POS terminals driven by UPC.
Finance
Noca: Enhancing Payment Processing with Secure Check - A Comprehensive Solution
Noca's collaboration with expert developers and the utilization of advanced technologies yielded a wide array of benefits for both the company and its clients. We worked on improving payment transaction processes, strengthening their security, and adding API integrations.
Finnace
Tribal Credit: A Proactive Partnership Eliminated Blockers & Saved Time for a Fintech Company
Due to the complexity of transitioning to a new system, Tribal Credit asked us for assistance in developing the needed documentation, providing high-quality technical guidance, and our assistance in extending their team with the technical talent needed.
Payment IntegrationSimplifying In-Person Payments with a Seamless Payrix Integration
Softjourn partnered with SquadUP to deliver a seamless integration of the Payrix Ingenico Moby 5500 payment terminal into their mobile ticketing platform. Through expert consulting and agile development, we navigated third-party certification, SDK integration, and production rollout—helping SquadUP
Payment Security
Project Admission: Elevating Payment Security with Stripe Intents and 3D Secure
Project Admission wanted to strengthen its payment security to protect customers and reduce the growing risk of chargebacks and fraudulent transactions. We helped them upgrade to Stripe Payment Intents with 3D Secure to stay compliant and ahead of industry standards. Throughout the implementation, w
Looking for reliable payment software developers? Start building your secure and scalable solution today!
Get a QuoteOur Custom 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.
Custom Processing and Gateway Development
We Develop Custom Payment Processing Solutions
Our custom processor solutions enable you to expand payment options you offer to your merchant clients and prospects quickly, economically, and with minimal tech support.
Software development is our core competency, so we always have experienced professionals available to handle the needs of your project. This means you don't have to worry about your staff having the right tech skills or interrupting your in-house IT priorities in order to add a new payment gateway.
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.
Are you looking for a reliable and experienced payment gateway developer?
Get in TouchPayment Card Industry Data Security Standards & 3-D Secure
- 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.
E2E, HSM & Tokenization
- 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.
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.
More Than Payments
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.
Financial institutions and fintechs are following our research into 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.
Some of the Gateways We Support
Payment Gateways Integrations
2Checkout
Helcim
PayPal
Adyen
Moneris
Amazon Pay
Payeezy
First Data
Saferpay
Braintree
BluePay
Authorize.Net
Stripe
TSYS Payment Solutions
Vantiv
Chase
Visa DPS
Google Wallet
Bambora
Contact us!Engagement Models
Need technical skills or expertise? A Dedicated Team can help extend resources, and can work seamlessly with your company under your guidance or ours. This model is ideal when planning long-term or larger scope projects, have several projects or a pool of tasks, or don't have a clear vision of future project objectives. Learn more about how Softjourn's dedicated team can support your projects and scale your business goals.
Client Testimonials
Tacit Corporation partnered with Softjourn for their payment processing and gateway development services because of their technical expertise and direct approach. Brenda Crainic, CTO of Tacit, remarked, "Our Softjourn team developed and helped us certify most of our integrations with over 60 third-party systems, such as Point of Sale, payment gateways, loyalty and gift cards, players cards, student cards, lockers and most recently, autonomous stores.
Our team's dedication to understanding Tacit's needs has been instrumental in enhancing their platform's capabilities, ensuring robust payment processing and gateway development solutions. This ongoing collaboration underscores our commitment to delivering high-quality, innovative services that support our clients' visions." - Brenda Crainic, CTO and Co-Founder of Tacit
What We Offer
Whether upgrading an existing code or creating a new one, the most important expertise we offer is a proven approach to mitigating risk and containing costs. Discover more about Softjourn's expert Consulting Services.
Often clients don't know what product they need, but do know the results they want. Our job is to help define the product and develop optimal solutions to get those results. Learn more about Softjourn's Discovery Phase Services.
To compete, our clients continually need to provide new and better services. We have our own R&D Centers – started in 2008 – which uniquely positions us to do just that. Read more about Softjourn's Research and Development Services.
Our developers and illustrators are experts at UI and UX design. They will work with you to understand your needs in going from idea to prototype to deployment faster and at less cost. Explore further into Softjourn's Digital Product Design Services.
Software development has grown exponentially in recent decades. Softjourn is the solution to help you define and develop forward-thinking technology that gets real-world results. Get to know more about Softjourn's Software Engineering Services.
Our core belief is that analyzing and testing is critical because the essential role of software is so important. In the process, our Quality Assurance team helps you create superior products. Explore further into Softjourn's QA services.
Since day one, we've been providing application support and maintenance services to each customer on every project. It's why we're a proven, trusted partner and reliable asset. Get to know more about Softjourn's Application Support and Maintenance Services.
Our technology stack at Softjourn is designed to empower us to deliver world-class services to our clients. With a strong focus on innovation and efficiency, we continually adapt our expertise to stay ahead of the curve. Discover the Technologies and Frameworks we utilize, and learn how we can bring your ideas to life.
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We were encouraged because Softjourn asked the right questions, involved people with the right experience in to the conversations. Showed good leadership in managing the process of walking them through the sales process, keeping them on track, and has a lot of strong knowledge in the financial area, as they are a small software developer company and there are always so many other things that are pulling us in multiple directions. As well Softjourn shows a lot of experience in multiple programming languages and in combining them in to one product.
The work Softjourn has done to this point has helped us streamline our operations and has eliminated the need for us to hire customer service reps. Through the efforts of Softjourn we are able to extend more control to our clients which allows them to better manage their payment process.
All of our stakeholders were totally impressed with the quality of work produced by Softjourn during the product definition phase and found their innovative ideas on the revised workflow and user interface to be just perfect for our onsite event environment. They were excited to move forward with Softjourn as they felt we had found exactly the right partner for our project.
The CTO left the company after about eight years, and I needed to replace him. I didn't want to replace him with a single CTO because that created a single point of failure, so I went back to Softjourn. You just can't run an SaaS company without development work. Nearly every time I meet someone, and they're having problems with developers, I tell them "you need to call Softjourn". Softjourn just gives me tremendous peace of mind, and I can't emphasize that enough.
Peter ConnorCo-Founder at Bullet
We have been working with Softjourn for 5+ years now and our developers continue to impress me with their expertise, knowledge and dedication to our project. They are my team and I count on them as if we were all working in the same office!
Brenda CrainicCTO at Tacit Innovations