Cross-industry engineering experience across regulated and high-growth sectors.
All Industries
“The global payment gateway market is projected to reach $44.49 billion by 2030, growing at 27.7% CAGR.” — Grand View Research
Custom payment gateway development: card acquiring, tokenization, and fraud screening for fintech and enterprise
Payment processing software development: transaction routing, settlement, and dispute management
Payment orchestration software development: intelligent PSP routing, failover, and cost optimization
Digital wallet development: e-wallet, stored value accounts, and mobile payment integration
Cross-border payment software development: FX engine, multi-currency settlement, and corridor compliance
Billing and payment software development: recurring billing, dunning, and revenue recognition automation
“Global card fraud losses are projected to reach $41.1 billion by 2030 despite continued advances in AI-driven fraud prevention.” — Yahoo Finance
USA
PL
UA
MX
TR
Payment software development is the engineering of digital systems that handle financial transactions — including payment gateways that authorize transactions, payment processors that route transactions through networks, digital wallets, payment orchestration platforms that route across multiple payment service providers, and billing systems. PCI DSS compliance, fraud detection, and payment network integration covering SWIFT, ACH, SEPA, and FedNow are core engineering requirements for any payment software.
A payment gateway is the technology layer that captures, encrypts, and authorizes a transaction from the customer device — it is the interface between the merchant and the payment network. A payment processor routes that authorized transaction through the payment network to move money between accounts. In custom payment software development, these are built as distinct but integrated components, each with different PCI DSS compliance requirements and payment gateway integration scope.
PCI DSS compliance is scoped at the architecture phase before development begins. Zoolatech designs tokenization to remove raw cardholder data from client systems, implements point-to-point encryption, defines SAQ boundaries, and builds access controls and audit logging into the payment platform. The team produces QSA-ready documentation covering data flow diagrams and encryption key management to support the annual payment card industry data security compliance and re-certification process.
Zoolatech builds payment software integrating ACH for US domestic payments, SWIFT and SWIFT GPI for cross-border payments, SEPA and SEPA Instant for EU payments, FedNow and RTP for US real-time payments, and Visa and Mastercard card networks. For message standards, ISO 20022 is implemented for SWIFT and FedNow connectivity. The fraud layer supports 3DS2 EMV authentication for card-not-present payment flows, and PSD2 SCA is implemented for EU open banking payment initiation services.
A focused payment gateway integration added to an existing platform typically takes 6 to 12 weeks. A custom payment gateway with fraud detection, tokenization, and multi-currency support takes 4 to 8 months. A full payment platform with orchestration across multiple PSPs, cross-border payment capabilities, and PCI DSS Level 1 compliance typically runs 8 to 14 months. Zoolatech defines scope and compliance requirements in a structured discovery phase before committing to a timeline.
Zoolatech integrates with Stripe, Adyen, PayPal, Braintree, Checkout.com, Worldpay, and Square — covering payment gateway integration, webhook handling, dispute management, and reconciliation across all connected payment gateways. For bank connectivity, Plaid and MX Technologies provide account verification and funding, with PSD2 open banking APIs for EU payment initiation. Mobile payment integration covers Apple Pay, Google Pay, and Samsung Pay for both mobile payment apps and POS software environments.
The primary differentiators are PCI DSS compliance scoped at the architecture stage rather than retrofitted before audit, payment protocol depth across SWIFT, ISO 20022, FedNow, RTP, SEPA, and ACH, and fraud detection built as a standard platform output rather than a third-party plugin. Combined with ISO 42001-governed fraud ML models and full-stack payment delivery covering gateway, processing, orchestration, and compliance in a single payment software development engagement, Zoolatech operates as a long-term payment software development partner accountable for platform outcomes.
Yes. Zoolatech builds payment orchestration platforms that route transactions intelligently across Stripe, Adyen, PayPal, Checkout.com, and Worldpay — with routing rules based on transaction type, currency, geography, and cost optimization. Failover to secondary payment gateways, unified reporting across all PSPs, and A/B testing for routing rules are standard payment orchestration deliverables. Payment orchestration software can be built as a standalone platform or integrated into an existing payment system without requiring a full rebuild.
