Payments & PSPs software: the big picture
NNT Software engineers payment platforms for PSPs, acquirers, payment facilitators and merchants — payment gateways, orchestration and smart routing, merchant onboarding, payouts, settlement and reconciliation — with PCI-DSS-aware architecture and local payment rails worldwide.
Payment companies win on approval rates, uptime and merchant experience, and must manage PCI-DSS, scheme rules and local regulation across markets.
Challenges payments & psps companies face
- Low approval rates in new markets
- Merchant onboarding bottlenecks
- Reconciliation across many providers
- PCI-DSS scope and audit pressure
What we build for payments & psps
Payment gateway
Hosted checkout, APIs and tokenisation.
Orchestration
Smart routing and failover across PSPs.
Merchant portal
KYB onboarding, dashboards and payouts.
Settlement engine
Fees, splits, reserves and reconciliation.
Ready-to-customise payments & psps solutions
Crypto Payment Gateway
A crypto payment gateway lets merchants accept Bitcoin, Ethereum and stablecoins such as USDT and USDC, with instant conversion to fiat if required. NNT Software builds white-label and custom crypto payment gateways with merchant dashboards, plugins, payouts, KYT screening and settlement reporting.
Services we combine
API & Systems Integration
API integration connects separate software so data moves automatically. NNT Software builds reliable integrations between business systems and platforms such as Stripe, PayPal, Salesforce, HubSpot, QuickBooks, Xero, Shopify, Amazon, WhatsApp Business, Twilio and shipping carriers, plus custom REST and GraphQL APIs for partners.
Payment Gateway & PSP Integration
Payment gateway integration connects your checkout, app or platform to payment service providers so customers can pay by card, wallet or bank transfer. NNT Software integrates Stripe, Adyen, Checkout.com, PayPal and regional rails such as Pix, UPI, SEPA Instant and FedNow, with multi-PSP routing, payouts, 3DS2 and automated reconciliation.
Cybersecurity & KYC/AML Compliance
NNT Software provides cybersecurity and compliance engineering for fintech, crypto and SaaS companies: KYC and KYB onboarding, AML transaction monitoring, sanctions and PEP screening, travel-rule integration, and technical controls for SOC 2, ISO 27001, PCI-DSS and GDPR readiness.
Typical integrations
- Acquirers — connected through secure, monitored APIs
- Card schemes — connected through secure, monitored APIs
- Fraud engines — connected through secure, monitored APIs
- Accounting systems — connected through secure, monitored APIs
Custom payments & psps software vs off-the-shelf tools
Off-the-shelf payments & psps tools are quick to start but force teams into generic workflows, charge per user and limit integrations. Custom software costs more upfront but fits your exact processes, connects to every system you use, scales without licence fees and becomes an asset you own. Many organisations combine both: packaged tools for commodity functions and custom software for the workflows that differentiate them.
Typical payments & psps projects
E-commerce checkout
Cards, wallets and local methods for online stores.
SaaS billing
Subscriptions, invoicing and dunning.
Marketplace payouts
Split payments and seller settlements.
Payment facilitators
Merchant onboarding and sub-merchant management.
Payments & PSPs technology trends
- Account-to-account payments
- Network tokenisation
- Embedded payments in SaaS
Benefits of custom payments & psps software
Higher approval rates
Smart routing sends each payment to the provider most likely to approve it.
Local payment methods
Customers pay the way they prefer in each country.
Resilience
Automatic failover keeps checkout running during provider outages.
Lower fees
Routing by cost and negotiated rates reduces processing spend.
Clean reconciliation
Settlements matched automatically to orders and accounts.
Payments & PSPs software development cost
The final cost of payments & psps software depends on five main factors: the number of user roles and screens, the integrations required (payments, identity, ERP, CRM, messaging), compliance and security requirements, the seniority mix of the team, and the engagement model.
We always start with a short discovery phase so the estimate you receive is fixed and written, not a vague range. Ongoing maintenance and hosting typically add 15–20% of the build cost per year.
| Scope | Typical timeline |
|---|---|
| Single PSP integration | 2–4 weeks |
| Multi-PSP orchestration | 2–4 months |
| Marketplace payments | 6–12 weeks |
| White-label gateway | 4–8 months |
Mistakes to avoid when building payments & psps software
- Handling raw card data and inflating PCI-DSS scope.
- Relying on one PSP for every market.
- Ignoring local payment preferences.
- Manual reconciliation of settlements.
- Weak handling of chargebacks and refunds.
How to choose a payments & psps software development partner
Compare vendors against this checklist before you sign:
- Has integrated your target PSPs
- Minimises PCI scope
- Supports local methods
- Builds reconciliation
- Handles 3DS2 and SCA
- Monitors payment success rates
How we deliver payments & psps software projects
Every payments & psps software engagement follows the same disciplined, transparent process. You always know what is being built, what it costs and what comes next.
1. Discovery and scoping (1–2 weeks)
Workshops with your stakeholders to understand goals, users, workflows and constraints. We document requirements as user stories, map integrations and agree success metrics, then share a written scope, milestone plan and fixed estimate for payments & psps software.
2. UX and architecture (1–3 weeks)
Designers produce user flows and a clickable prototype while architects choose the stack, hosting, data model and security controls. Nothing is built until you sign off the prototype and architecture.
3. Agile development (two-week sprints)
Developers build in short sprints with a demo at the end of each one. You see working software early, give feedback continuously and can reprioritise the backlog at any time.
4. Quality assurance
Dedicated QA engineers write test cases, run manual and automated regression tests, check performance and review security basics before every release. Defects are tracked openly.
5. Launch
We deploy with zero-downtime pipelines, migrate data if needed, monitor closely during the first days and train your team or users.
6. Support and growth
After launch, SLA-backed support covers bug fixes, monitoring, security patches and continuous improvement, so the product keeps improving as your business grows.
Engagement models and pricing options
You can engage NNT Software for payments & psps software in whichever way fits your budget, risk appetite and internal team.
| Model | Best for | How billing works |
|---|---|---|
| Fixed price | Clearly defined scope and deadline | Agreed price split into milestone payments |
| Dedicated team | Long-term products and evolving roadmaps | Monthly fee per engineer, scale up or down |
| Time & materials | Exploratory or fast-changing work | Hourly or daily rates against actual effort |
| Hybrid | Fixed MVP followed by ongoing growth | Fixed first phase, then monthly team |
Whichever model you choose, you own the source code and intellectual property, work directly with the engineers, and receive weekly progress reports and demos.
Security, quality and compliance standards
Security and quality are built into every payments & psps software project from the first sprint, not added before launch.
- Secure coding aligned with the OWASP Top 10 and peer code reviews on every change
- Encryption in transit (TLS) and at rest, secrets stored in managed vaults
- Role-based access control, multi-factor authentication and audit logs
- Automated tests in CI pipelines, plus manual exploratory and regression testing
- Data-protection by design for GDPR, CCPA, PDPL, DPDP and similar laws
- Infrastructure as code, monitoring, alerting and tested backups
- NDA before discovery and full IP assignment in the contract
Why companies outsource to NNT Software in India
India is the world's largest software-services hub, and NNT Software combines that talent depth with a product mindset. For payments & psps software, clients typically save 40–60% compared with agencies in the United States, United Kingdom, the Gulf or Australia, without compromising on quality or communication.
Our engineers work in English, overlap daily with your business hours and follow documented processes. You get a named project manager, direct access to developers, and the stability of a company that has delivered more than 2,000 projects since 2010 and runs eight of its own SaaS products.
Payments & PSPs software for clients worldwide
We deliver Payments & PSPs software for businesses in 95 countries across North America, South America, Europe, Gulf & Middle East, Asia Pacific and Africa. Overlapping working hours, local payment and compliance knowledge, and remote-first collaboration make distance irrelevant.
- North America: United States, Canada, Mexico, Panama, Costa Rica, Dominican Republic, Guatemala, Puerto Rico, Jamaica, Trinidad and Tobago, The Bahamas
- South America: Brazil, Argentina, Colombia, Chile, Peru, Uruguay, Ecuador, Paraguay
- Europe: United Kingdom, Ireland, Germany, France, Netherlands, Belgium, Luxembourg, Spain, Portugal, Italy, Switzerland, Austria, Sweden, Norway, Denmark, Finland, Poland, Czech Republic, Romania, Greece, Malta, Cyprus, Estonia, Lithuania, Hungary, Croatia, Bulgaria, Serbia, Slovakia, Slovenia, Latvia, Iceland, Georgia, Armenia
- Gulf & Middle East: United Arab Emirates, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman, Türkiye, Jordan
- Asia Pacific: Australia, New Zealand, India, Singapore, Malaysia, Indonesia, Thailand, Vietnam, Philippines, South Korea, Sri Lanka, Bangladesh, Kazakhstan, Uzbekistan, Azerbaijan, Nepal, Cambodia, Fiji
- Africa: South Africa, Nigeria, Kenya, Egypt, Morocco, Ghana, Rwanda, Mauritius, Tanzania, Uganda, Ethiopia, Côte d'Ivoire, Senegal, Tunisia, Botswana, Zambia
Next steps
Ready to discuss payments & psps software? Here is how to get started with NNT Software:
- Share your goals, users, must-have features and timeline through the contact form, email or WhatsApp.
- Join a free 30-minute discovery call with a solution architect — we sign an NDA first if you prefer.
- Receive a written proposal within 48 hours: scope, milestones, team, timeline and fixed estimate.
- Kick off with a discovery workshop and see working software in your first sprint demo.