Challenge
A timeout mid-authorization risks a double charge.
Agnotic approach
Idempotency keys and a durable transaction state machine so retries never charge a customer twice.
Payment Integration
Payment Gateway Integration Services
We integrate secure payment processing into your web and mobile products — cards, digital wallets, and UPI — with tokenization, 3-D Secure, and PCI-conscious design so transactions are reliable and compliant, not a liability.
PCI DSS3-D Secure (EMV 3DS)PSD2 / SCATokenization
Trusted by global innovators
What payment gateway integration actually involves
Accepting payments looks simple until you build it. A production payment integration has to authorize and capture across cards, wallets, and local methods, handle 3-D Secure step-ups, tokenize sensitive data to stay out of PCI scope, and correctly process refunds, disputes, and asynchronous webhooks — all while never losing or double-charging a customer.
The hard part is reliability and compliance under real-world failure. Networks time out mid-authorization, webhooks arrive late or twice, and regulations like PSD2/SCA change the flow. We build payment integrations that are idempotent, reconcilable, and PCI-conscious — using hosted fields and tokenization to minimize scope — so money movement is correct and auditable across every path.
Architecture
See how we design payment integration — tokenization, 3-D Secure, idempotent capture, and webhook-driven reconciliation.
Common failure modes
Payment integration pitfalls — and how we handle them
Challenge
Handling raw card data drags you into PCI scope.
Agnotic approach
Hosted fields and tokenization keep card data off your servers, minimizing PCI scope while preserving UX.
Challenge
Webhooks arrive late, out of order, or twice.
Agnotic approach
Signed, idempotent webhook handling with reconciliation against the processor as the source of truth.
Challenge
SCA / 3-D Secure breaks naive checkout flows.
Agnotic approach
PSD2-aware flows that handle 3-D Secure step-ups and exemptions without dropping conversions.
Payment Integration Capabilities
The exact surface behind secure, reliable payment processing in web and mobile products.
Gateway & processor integration
Stripe, PayPal, Adyen, Braintree, and regional gateways integrated for auth, capture, refund, and payout flows.
Methods & wallets
Cards, Apple Pay and Google Pay, ACH/bank transfer, and UPI with a unified checkout across web and mobile.
Security & compliance
Tokenization, hosted fields, 3-D Secure, and PCI-conscious design that keeps sensitive data out of scope.
Reconciliation & webhooks
Idempotent webhook handling, settlement reconciliation, and dispute/refund workflows tied to your finance system.
Where it runs
Payment integration workflows we build
Checkout & one-tap pay
Secure web and mobile checkout with saved cards and wallet support.
Subscriptions & billing
Recurring billing, trials, proration, and dunning for failed payments.
Marketplace payouts
Split payments and payouts to multiple sellers or providers.
Refunds & disputes
Automated refund and chargeback-dispute workflows with audit trails.
Multi-currency
Local methods and currencies for international customers.
Reconciliation
Settlement reconciliation between processor, ledger, and accounting.
Payment integration built for reliability and compliance
Payment projects break on retries, webhooks, and SCA, not on a single charge call. We engineer for every path.
PCI-conscious
Tokenized, minimized scope
3–8 wk
Typical gateway integration
Idempotent
No double charges on retry
Standards we build against
Payment integration standards
PCI DSSEMV 3DSPSD2 / SCATokenizationOAuth 2.0Webhooks
Our Process
How we deliver payment integration
Compliance scope, reliability, and reconciliation treated as first-class work.
1.
Discovery & method scope
We define target gateways, payment methods, currencies, and the PCI scope your architecture should stay within.
Scope-defined
2.
Secure flow design
We design tokenized, hosted-field flows with 3-D Secure and idempotent capture as the default, not an add-on.
PCI-conscious
3.
Build & test
We test authorization, capture, refund, dispute, and webhook paths — including timeouts, retries, and SCA step-ups.
Path-tested
4.
Go-live & reconciliation
Production rollout with settlement reconciliation, webhook monitoring, and a dispute/refund runbook.
Reconciled
Integration surface
Payment integration surface — capability & how we handle it
The core payment flows and how we build each reliably.
| Capability | Method | Concern | How we handle it |
|---|---|---|---|
| Authorization / capture | Gateway API / SDK | Timeouts | Idempotency keys and a durable state machine. |
| Card data handling | Hosted fields / tokens | PCI scope | Card data never touches your servers. |
| Authentication | 3-D Secure (EMV 3DS) | SCA / PSD2 | Step-up and exemption flows that preserve conversion. |
| Settlement events | Webhooks | Late / duplicate | Signed, idempotent handling with reconciliation. |
| Refunds / disputes | Gateway API | Auditability | Workflows with full audit trails into finance. |
Requirements vary by geography and method. We scope against your markets and processors before building.
Why Partner With Us
15-Minute Scoping CallWhy teams trust us with payments
Money movement that is correct and auditable on every path — including the failure paths.
Compliance-conscious
Tokenization and hosted fields that minimize PCI scope, with PSD2/SCA-aware flows built in.
Payments depth
Fluent across gateways, 3-D Secure, webhooks, and settlement — we know where payment integrations actually fail.
Reliability-focused
Idempotent, reconcilable flows so retries and timeouts never turn into double charges or lost payments.
Full-stack fluency
We wire payments into checkout, billing, ledger, and finance as one system, not a bolt-on charge call.
Frequently Asked Questions
A single-gateway checkout integration typically lands in 3–8 weeks, while a program spanning multiple gateways, methods, subscriptions, and reconciliation runs longer. The timeline is driven by the number of payment methods and flows (refunds, disputes, payouts) and by compliance scope more than by the initial charge call.
Ready to integrate payments the right way?
Tell us your gateways, methods, and markets. We will return a realistic, compliance-conscious payment integration plan.
contact@agnotic.com
Partnerships
contact@agnotic.com