Payment Gateway Integrations and Custom Processing Workflows.
We integrate payment gateways into your WooCommerce store, SaaS platform, custom application, or bespoke system — and build the custom processing logic your business actually needs. Auth flows, split payments, multi-merchant routing, and currency or location-based account selection, all built production-ready.
Payment integration that matches how your business actually processes money.
Most payment integrations stop at the standard checkout flow. We go further - building the routing logic, conditional rules, and custom workflows that your business model requires but that off-the-shelf plugins cannot cover.
Whether you need to route transactions to different merchant accounts based on buyer location, currency, or product category, split a single order across multiple sellers, or manage complex auth and capture flows for a SaaS billing system, we build and maintain it in production.
Six payment integration capabilities we deliver.
From a single gateway integration to complex conditional routing across multiple merchant accounts — scoped and built to your exact business logic.
Gateway Integration
Clean, documented gateway integrations for Authorize.Net, Stripe, PayPal, Braintree, and custom providers. Auth, capture, void, and refund flows. Sandbox and live environments. SSL enforced. Compatible with your existing checkout and order management system.
Conditional Routing Logic
Rules-based payment routing that evaluates buyer location, currency, product category, order value, or customer type to select the appropriate merchant account and gateway automatically. No manual intervention. Fully logged for reconciliation.
Split Payments
Single transaction split across multiple vendor accounts, seller wallets, or merchant IDs. Percentage or fixed-amount splits with automatic disbursement. Used for marketplaces, franchise networks, and multi-vendor platforms where one order involves multiple payees.
Subscription and Recurring Billing
Stripe and Authorize.Net subscription management with plan tiers, trial periods, proration, and usage-based billing. Failed payment handling with automated dunning sequences, grace periods, and account suspension logic. Customer billing portal UI included.
Saved Cards and Customer Profiles
Authorize.Net CIM and Stripe Customer API integration for secure card vaulting. Returning customer checkout with saved payment methods. No raw card data touches your servers. PCI-compliant by design with tokenisation throughout.
Transaction Logging and Reconciliation
Full transaction audit trails, gateway response logging, webhook event processing, and reconciliation reports. Failed transaction retry logic, dispute tracking, and automated refund workflows with notification triggers for your team.
Custom payment workflows we have built.
Each of these required custom logic that no standard plugin covered. We scoped, built, and shipped each one to production.
Location and Currency Based Merchant Account Selection
A multi-region eCommerce operator had separate Authorize.Net merchant accounts for the US, UK, and Canada to comply with local acquiring requirements and reduce cross-border fees. Their WooCommerce checkout had no way to route transactions to the correct account based on buyer location or order currency — everything was going through the US account and incurring unnecessary conversion fees and occasional declines.
What we builtEliminated cross-border processing fees on regional transactions and reduced international card declines by routing buyers to local acquirers
Product Category Based Payment Processing
A WooCommerce store selling across multiple product verticals — standard retail, age-verified goods, and subscription digital products — needed different merchant accounts for each category due to differing risk classifications and acquiring agreements. A standard WooCommerce checkout cannot route by product type; every order used the same gateway regardless of what was in the cart.
What we builtEach product vertical processed through its correct merchant account with zero manual order handling and full compliance with acquiring terms
Split Payments Across Multiple Vendors
A marketplace platform allowed multiple independent vendors to list products under one storefront. When a customer placed a single order containing products from three different vendors, the platform collected the full payment but had no automated way to disburse each vendor's share. Payouts were being calculated manually in spreadsheets and transferred by bank transfer weekly — error-prone, slow, and unscalable.
What we builtManual weekly reconciliation eliminated — vendor payouts now happen automatically within 24 hours of order fulfilment at any scale
Auth-Only Flow with Delayed Capture for B2B Orders
A B2B SaaS platform needed to authorise payment at order creation but only capture funds once delivery or service completion was confirmed by an internal team. Their existing integration captured immediately at checkout, which meant issuing refunds for cancelled orders rather than simply voiding the auth — creating unnecessary chargeback risk and accounting complexity.
What we builtChargeback rate reduced significantly — cancelled orders are voided cleanly with no refund cycle, and customers are never charged until delivery is confirmed
Payment integrations built for every platform we work with.
We build payment integrations as first-class features of your platform — not bolted-on plugins that break on the next update.
WooCommerce
Custom gateway plugins, checkout flow extensions, order status hooks, and conditional routing logic. We publish and maintain our own Authorize.Net WooCommerce plugin with Auth, Capture, Void, and Refund support.
SaaS Platforms
Subscription billing, metered usage, trial flows, dunning, and multi-tenant billing isolation. We integrate Stripe and Authorize.Net at the application layer with full API coverage and a billing portal UI.
Shopify
Custom payment apps using Shopify Payments Platform APIs, checkout extensibility for additional payment methods, and private app integrations for payment workflows that the Shopify App Store does not cover.
Custom Applications
REST API payment integrations for custom-built platforms. Full SDK or direct API implementation, webhook handlers, idempotency keys, retry logic, and transaction audit tables designed for your specific data model.
Marketplaces and Multi-vendor
Stripe Connect and PayPal Marketplaces integrations for vendor onboarding, split payments, commission deduction, and automated disbursement. Dispute and refund handling distributed back to the originating vendor accounts.
ERP and Back-office Integration
Payment transaction sync to ERP, accounting, or order management systems. Webhook-driven pipelines pushing transaction data, reconciliation summaries, and dispute notifications to your finance stack automatically.
From payment requirements to production in five stages.
Payment integrations touch checkout, order management, finance, and compliance simultaneously. We map every dependency before writing a line of code.
Requirements and flow mapping
Map every payment scenario — transaction types, routing rules, currency handling, refund flows, webhook events, and reconciliation requirements — before any build begins.
Sandbox build and testing
Full integration built in sandbox environment. All transaction types tested — successful payments, declines, voids, refunds, partial captures, and gateway error states — before any live credentials are used.
Staging environment review
Integration deployed to your staging environment for end-to-end verification with your order management, inventory, and fulfilment systems in place. Client sign-off at this stage before live credentials.
Live deployment and monitoring
Go-live with live gateway credentials, webhook endpoints verified, transaction logging active. We monitor the first 48 hours of live transactions and address any edge cases that appear under real traffic.
Documentation and handover
Full documentation of the integration — gateway configuration, routing rule setup, webhook endpoints, refund procedures, and runbook for common failure scenarios your team may encounter.
Payment gateways and tools we work with.
Brands Consulted
Projects Delivered
Transactions Processed
Years of Expertise
Common questions about our payment integration work.
Have a specific payment requirement that is not covered here? Send it through the contact form. We respond with a direct technical answer about what is possible and how we would approach it.
Talk to usYes. We have built Authorize.Net WooCommerce plugins covering Auth Only, Auth and Capture, Void, and Refund flows. We also have production experience building custom routing layers on top of the Authorize.Net API — selecting merchant accounts based on buyer location, order currency, product category, or any other condition available at checkout time. If your requirement goes beyond what our standard plugin covers, we scope and build a custom integration to your exact specification.
At checkout, we evaluate the buyer's billing country — derived from the address they enter or their IP geolocation as a fallback — against a routing rule table you configure in an admin panel. Each rule maps a country or country group to a specific merchant account ID and its corresponding API credentials. When the payment is submitted, our integration selects the matching merchant account and processes the transaction against it. Refunds are routed back to the originating account automatically. All routing decisions are logged with the rule that matched, the account selected, and the transaction outcome, for reconciliation and audit purposes.
A split payment takes a single customer transaction and distributes the proceeds across multiple recipient accounts. We most commonly build this with Stripe Connect, where each vendor or partner is onboarded as a Connected Account. When a payment is captured, we calculate each party's share based on your rules — percentage splits, fixed platform commission, per-item allocation — and initiate a Transfer to each connected account. Refunds reverse proportionally across the accounts involved. The complexity varies significantly based on whether you need instant payouts or delayed disbursement, how you handle disputes, and whether vendors need access to their own Stripe dashboards.
Yes, and this is how we build all integrations by default. We use the gateway's hosted tokenisation approach — Authorize.Net Accept.js or Stripe.js — so card data is submitted directly to the gateway and never passes through your server. Your system receives a token representing the payment method, which is used for all subsequent operations (capture, void, refund, subscription charge). This keeps you in PCI SAQ A scope, which is the simplest compliance tier. We document the PCI scope implications as part of every payment integration handover.
We can build failover routing where a secondary gateway handles transactions if the primary gateway returns a connection error or timeout. This is more complex than standard routing because it requires distinguishing genuine gateway outages from card declines (which should not route to a secondary gateway) and ensuring idempotency so a transaction is never charged twice. Not every business needs this level of resilience, but for high-volume or mission-critical checkout flows we discuss it during scoping and build it when the risk warrants the additional complexity.
Yes. We regularly take over existing payment integrations to fix issues, add functionality, or update deprecated API versions. We always start with a code review of the existing integration before committing to a scope — payment code that is partially broken is often more complex to safely update than a fresh integration, and we want to give you an honest assessment of the state before starting. We are also experienced with Authorize.Net API version migrations, which require updates whenever Authorize.Net deprecates older endpoints.
