PSP Platform Development
Becoming a payment service provider means owning the parts everyone else outsources: onboarding merchants, routing transactions, holding balances, settling on schedule and detecting fraud before it becomes your loss.
Discuss your PSP
What A PSP Platform Needs
The full stack between your merchants and the acquirers behind you.
Merchant Onboarding
KYB, document collection, risk scoring and underwriting workflows with an approval trail.
Smart Routing
Transactions routed by cost, method, geography and acquirer health, with automatic failover.
Ledger & Balances
Double-entry ledger holding merchant balances, reserves, fees and payouts accurately.
Settlement & Payouts
Scheduled settlements with rolling reserves, fee deduction and payout file generation.
Risk & Fraud
Velocity rules, screening, chargeback monitoring and merchant risk scoring.
Merchant Dashboard
Transactions, settlements, disputes and reporting in a portal merchants can self-serve from.
Platform Capabilities
Pricing engine
Per-merchant pricing, interchange-plus or blended, applied automatically and auditable.
Chargeback workflow
Dispute lifecycle management with evidence collection and deadline tracking.
Merchant APIs & SDKs
Documented APIs, hosted checkout and plugins so merchants can integrate quickly.
Sub-merchant support
Marketplace and platform models with split payments and sub-merchant onboarding.
Compliance reporting
The reporting your scheme and regulator require, generated rather than assembled manually.
Operations monitoring
Approval rates, acquirer health and settlement status watched with alerting.
Industries Running On Our Systems
Business systems have to fit how a sector actually operates — its approvals, its compliance, its reporting. We start from that, not from a template.
Talk to our teamAdvanced Platform Capabilities
Business systems are judged years after launch. These are the parts that decide how that goes.
Identity & permissions
SSO, SCIM and role-based access mapped to your real reporting structure.
Audit trails
Who changed what and when, on every record that a dispute or an auditor could reach.
Integrations
ERP, accounting, banking and support systems connected so data is entered once.
Background processing
Queues with retries, dead-letter handling and visibility into what failed.
Safe migrations
Schema and data changes that deploy without downtime and can be rolled back.
Handover documentation
Architecture, operations and runbooks written as part of delivery, for your team to own.
How We Build It
A significant programme — usually six to twelve months to a live platform.
Model the money
Ledger design, fee model, settlement and reserve logic specified in detail.
Core platform
Ledger, routing and acquirer integrations built and reconciled in a sandbox.
Merchant surface
Onboarding, dashboard, APIs and checkout built on the proven core.
Certify and launch
Acquirer certification, then a controlled launch with a small merchant cohort.
Build A Payment Platform Properly
Tell us your model, markets and acquirers. We will map the platform and be honest about the scale of it.
Talk to our payments teamPSP Questions
Everything you need to know about our business solutions work.