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1. Payment Discovery
We map your countries, currencies, payment methods, business model and existing systems, and recommend one or two gateways.
Payment Gateway Integration Services
Payment gateway integration connects your checkout to a payment provider such as Stripe, Razorpay, PayU, Adyen or PayPal, so you can accept cards, UPI, wallets and bank payments and receive the money in your bank account. A standard integration with hosted checkout costs $3,000–$8,000 and takes 1–3 weeks; custom checkouts with subscriptions, saved cards, refunds and webhooks cost $8,000–$25,000; and multi-gateway, marketplace or cross-border set-ups with split payments and smart routing cost $25,000–$80,000+. PerfectionGeeks recommends the gateways that fit your countries, currencies and business model, builds the integration with secure tokenisation so card data never touches your servers, and tests every success, failure and refund path before launch.
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- Choose gateways by where your customers are: the best gateway in India is rarely the best in the UAE, Europe or the US.
- Hosted or embedded checkouts keep you out of most PCI DSS scope; never store raw card numbers.
- Webhooks, idempotency and reconciliation matter as much as the payment button: they stop double charges and missing orders.
- Offer the local favourites: UPI in India, iDEAL in the Netherlands, cards and Apple Pay almost everywhere, and buy now pay later where it lifts conversion.
- Two gateways with smart routing raise approval rates and protect you from outages once volumes grow.
Payment Gateway Integration Services
Selling mainly in the US? See our payment gateway integration company page for the USA. Building a full payments product? See our fintech app development company page.
Website and Ecommerce Checkout
Payments for custom sites, Shopify, WooCommerce, Magento and headless stores, with hosted, embedded or fully custom checkout.
Mobile App Payments
Native SDKs for Android and iOS, Apple Pay and Google Pay, UPI intent flows and in-app purchase rules for digital goods.
Subscriptions and Recurring Billing
Plans, trials, upgrades, proration, dunning for failed payments, UPI AutoPay and card mandates.
Marketplace and Split Payments
Collect from buyers, split to sellers, hold funds until delivery and automate payouts with Stripe Connect, Razorpay Route or Adyen for Platforms.
Multi-Gateway and Smart Routing
Route each payment to the gateway most likely to approve it, with automatic failover during outages.
Payment Links, Invoices and QR
Pay-by-link, invoice payments, dynamic QR codes and point-of-sale integration.
Refunds, Disputes and Reconciliation
Full and partial refunds, chargeback handling, settlement reports matched to orders and your accounting system.
Migration Between Gateways
Move to a new provider with card token migration, parallel running and no lost subscriptions.
Which Payment Gateway Is Right for Your Market?
For businesses selling only in the US, see our payment gateway integration company page for the USA.
| Market | Popular gateways | Must-have methods |
|---|---|---|
| India | Razorpay, PayU, Cashfree, PhonePe PG, CCAvenue, Juspay | UPI, cards, net banking, wallets, EMI, UPI AutoPay |
| United States | Stripe, PayPal and Braintree, Square, Authorize.net, Adyen | Cards, Apple Pay, Google Pay, ACH, buy now pay later |
| UAE and Saudi Arabia | Network International (N-Genius), Checkout.com, PayTabs, Telr, Tap, Amazon Payment Services | Cards, Apple Pay, mada (Saudi), Tabby and Tamara |
| UK and Europe | Stripe, Adyen, Mollie, Checkout.com, Worldpay | Cards with 3-D Secure, iDEAL (Netherlands), SEPA, Klarna, open banking |
| Southeast Asia | Xendit, 2C2P, Stripe, Adyen, HitPay | Cards, PayNow, GrabPay, DuitNow, local e-wallets |
| Australia | Stripe, Adyen, Tyro, Windcave | Cards, PayID, Afterpay, Apple Pay |
How to Choose a Payment Gateway
| Factor | What to check |
|---|---|
| Countries and currencies | Can it accept and settle in the currencies you sell in? |
| Payment methods | Does it support the methods your customers actually use? |
| Fees | Per-transaction fees, international card fees, currency conversion, chargeback fees and payout charges |
| Settlement time | How quickly money reaches your bank (same day to T+3 or longer) |
| Business model support | Subscriptions, marketplaces, split payments, payouts |
| Developer experience | Clear APIs, SDKs, sandbox, webhooks and reliable documentation |
| Approval and risk | Onboarding requirements, reserve policies and support for your industry |
| Reliability | Uptime record, success rates and support quality |
Integration Options Compared
| Option | How it works | PCI DSS scope | Best for |
|---|---|---|---|
| Hosted checkout or payment link | Customers pay on the gateway's page | Lowest (SAQ A) | Fast launch, small teams |
| Embedded fields or drop-in UI | The gateway's secure fields sit inside your page | Low (SAQ A or A-EP) | Branded checkout with low compliance effort |
| Direct API with tokenisation | Your app calls the gateway with tokens from its SDK | Moderate | Custom flows, subscriptions, marketplaces |
| Payment orchestration | One layer connects several gateways and routes payments | Depends on design | High volume, many countries |
How We Integrate a Payment Gateway
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2. Account and Approvals
We help you prepare business documents for gateway onboarding (KYC/KYB) and configure test and live accounts.
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3. Checkout Design
We design a checkout that suits your customers: fewer fields, saved cards, local methods first and clear error messages.
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4. Build and Connect
We integrate SDKs and APIs, tokenisation, 3-D Secure, webhooks, idempotent requests and order status updates.
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5. Test Every Path
Success, decline, timeout, duplicate clicks, partial refunds, chargebacks, currency rounding and webhook retries, in sandbox and then live with small amounts.
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6. Launch and Monitor
We go live gradually, monitor approval rates and errors, and set up alerts and reconciliation reports.
What a Reliable Payment Integration Includes
Webhooks You Can Trust
Signature verification, retries and an event log, so orders update even if the customer closes the browser.
No Double Charges
Idempotency keys and order locks prevent duplicate payments when users click twice or networks drop.
Clear Payment States
Pending, authorised, captured, failed, refunded and disputed states that match the gateway and your order system.
Daily Reconciliation
Automatic matching of settlements to orders and alerts for anything missing.
Higher Approval Rates
Network tokens, smart retries for failed subscriptions and routing to a second gateway when the first declines.
Fraud Controls
Gateway risk tools such as Stripe Radar or Razorpay's risk engine, plus velocity limits and 3-D Secure where risk is high.
Security and Compliance
| Requirement | What it means | How we handle it |
|---|---|---|
| PCI DSS v4.0 | Card data security standard for anyone accepting cards | Hosted fields and tokenisation so card numbers never touch your servers; help with your self-assessment questionnaire |
| 3-D Secure and SCA | Extra authentication for card payments in Europe, the UK and India | 3-D Secure 2 with frictionless flows where allowed |
| RBI rules (India) | Card-on-file tokenisation, payment aggregator rules and recurring payment mandates | Gateway tokenisation, e-mandates and UPI AutoPay set up correctly |
| Data protection | GDPR, India's DPDP Act, UAE PDPL and other local laws | Minimal data stored, encryption, consent and data retention rules |
| Data localisation | Payment data must stay in India for Indian payment systems | Gateways and hosting that meet RBI requirements |
| Secure development | OWASP practices, secrets management and audit logs | Code reviews, penetration testing and least-privilege access |
How Much Does Payment Gateway Integration Cost?
Gateway fees are separate and paid to the provider. Typical ranges are about 2% per domestic card or wallet payment in India (with UPI usually free or very low), about 2.9% plus a fixed fee for US cards on standard pricing, and higher rates for international cards and currency conversion. Negotiate rates once your volume grows.
| Scope | What's included | Cost (US$) | Cost (₹) | Timeline |
|---|---|---|---|---|
| Standard integration | One gateway, hosted or embedded checkout, webhooks, refunds, order updates | $3,000–$8,000 | ₹2.5–7 lakh | 1–3 weeks |
| Custom checkout | Custom UI in web and mobile apps, saved cards, subscriptions, invoices, payment links, admin reports | $8,000–$25,000 | ₹7–21 lakh | 3–6 weeks |
| Marketplace or multi-gateway | Split payments, seller onboarding, payouts, smart routing, multi-currency, reconciliation | $25,000–$80,000+ | ₹21–67 lakh+ | 6–14 weeks |
What Affects the Cost
Number of Gateways and Methods
Each extra gateway or payment method adds integration and testing.
Business Model
Subscriptions, marketplaces and payouts need more logic than one-time payments.
Platforms
Web, Android and iOS each need their own SDK work.
Existing Systems
Connecting to your ERP, accounting software or order management adds work.
Compliance Needs
Regulated industries such as lending, gaming or healthcare need extra controls and reviews.
Technology Stack
| Layer | Technologies |
|---|---|
| Gateways | Stripe, Razorpay, PayU, Cashfree, Adyen, PayPal and Braintree, Checkout.com, Network International, PayTabs, Xendit, Square, Authorize.net |
| Web front end | React, Next.js, Angular, Vue, Shopify, WooCommerce, Magento |
| Mobile | Kotlin, Swift, Flutter, React Native with gateway SDKs, Apple Pay and Google Pay |
| Backend | Node.js, Python, Java, .NET, PHP (Laravel) |
| Data | PostgreSQL, MySQL, Redis, Kafka for payment events |
| Security | Tokenisation, HSM-backed keys, Vault or cloud secrets managers, WAF |
| Accounting | QuickBooks, Xero, Zoho Books, Tally, SAP and Oracle integrations |
Who We Work With
| Client | What we typically integrate |
|---|---|
| Ecommerce brands | Checkout, wallets, buy now pay later, cash on delivery and refunds |
| SaaS companies | Subscriptions, usage billing, invoices and dunning |
| Marketplaces and platforms | Split payments, seller payouts and escrow-style holds |
| Fintech and lending | Repayments, mandates, UPI AutoPay and collections |
| Education and healthcare | Fee payments, instalments and payment links |
| Travel and hospitality | Multi-currency payments, deposits and pay-at-property guarantees |
Get a Free Payment Integration Estimate
Tell us where your customers are, which payment methods you need and what platform you use. Within 2 business days, we'll recommend the right gateways and send a fixed-price quote and timeline, under an NDA.
Client Testimonials
Frequently Asked Questions
Everything you need to know about payment gateway integration services
What is payment gateway integration?
Connecting your website, app or software to a payment provider so customers can pay by card, UPI, wallet or bank transfer, and the money is settled to your bank account with order status updated automatically.
How much does payment gateway integration cost?
A standard integration costs $3,000–$8,000, a custom checkout with subscriptions and saved cards $8,000–$25,000, and marketplace or multi-gateway set-ups $25,000–$80,000 or more. Gateway transaction fees are paid separately.
How long does it take to integrate a payment gateway?
1–3 weeks for a standard integration, 3–6 weeks for a custom checkout and 6–14 weeks for marketplaces or multiple gateways, plus the gateway's own account approval time.
Which payment gateway is best?
It depends on your market: Razorpay, PayU or Cashfree in India; Stripe, PayPal or Adyen in the US and Europe; Network International, Checkout.com or PayTabs in the UAE and Saudi Arabia; Xendit or 2C2P in Southeast Asia.
Do I need PCI DSS compliance?
Yes, anyone accepting cards must comply. Using hosted checkout or tokenised fields keeps card data off your servers and reduces your requirements to the simplest self-assessment questionnaire.
Can you integrate UPI and UPI AutoPay?
Yes. We integrate UPI collect, intent and QR flows through gateways such as Razorpay, PayU, Cashfree and PhonePe PG, and UPI AutoPay for subscriptions.
Can you integrate more than one payment gateway?
Yes. Multiple gateways improve approval rates and protect you from outages. We add routing rules and automatic failover.
Do you integrate payments into mobile apps?
Yes, using native SDKs for Android and iOS, Flutter and React Native, plus Apple Pay and Google Pay. For digital goods sold in apps, we also handle Apple and Google in-app purchase rules.
Can you add payments to Shopify, WooCommerce or Magento?
Yes. We configure official gateway plugins, and build custom extensions where the plugin doesn't support your flow.
How do you prevent double charges and missing orders?
With idempotency keys, verified webhooks with retries, clear payment states and daily reconciliation against gateway settlement reports.
Can you set up split payments for a marketplace?
Yes, with Stripe Connect, Razorpay Route, Cashfree Easy Split, Adyen for Platforms or PayPal for Marketplaces, including seller onboarding and payouts.
Do you provide support after launch?
Yes. We monitor payment success rates, handle gateway API updates, add new methods and fix issues under a support plan.