Building a Payment Gateway for Seamless and Secure Transactions

Building a Payment Gateway for Seamless and Secure Transactions

We developed a payment gateway solution that allows for seamless processing of transactions and increases the card acceptance ratio. The gateway services are fully PCI DSS compliant to protect customers’ data and prevent fraudulent transactions.

  • Duration: 1 year
  • Country: USA
  • Industry: Fintech

Background story

According to the Cost of a Data Breach Report, the cost of a data breach was $4.24 million in 2021, which is 10% more than it was in 2020. As this value grows, customers try to protect themselves from data theft and choose reliable businesses to transact with.

Merchants that grow their businesses globally require secure and hassle-free solutions to process payments. A payment gateway allows optimizing card acceptance rates and eliminating exchange rate fees for international customers. With such a system, businesses can receive payments from all over the world and be sure these transactions are safe for both the merchant and the customer.

About the client

Our client is a product development company that builds SaaS solutions. To reduce costs on third-party payment integrations, the company decided to create its own payment gateway specifically for its products. As the company didn’t have expertise in building payment solutions, it turned to JatApp.


Our client was looking for a development team that can build a fully PCI DSS compliant solution to secure debit and credit card transactions.


PCI DSS compliance

The JatApp team is certified to develop payment solutions that follow PCI DSS requirements for protecting account data. Once a year, an independent audit company monitors our activity (checks our servers and connections, simulates DDoS attacks, and more) to issue an Attestation of Compliance.

Fraud detection and prevention

Thanks to fraud detection technologies, information about the behavior of users, transactions, and accounts is collected and analyzed. It helps define fraudulent activities and take timely measures to prevent them.

Cascading payments

We developed a cascading payments feature that allows to significantly increase the card acceptance rate. In simple words, it looks like this: when a payment is failed and not accepted by the bank, the system automatically routes it to another bank, and, therefore, increases the chances for the payment to be successfully processed.

Technologies Used

  • PHP 7.1
  • RabbitMQ
  • AWS
  • Memcached
  • RDS Database
  • ReactPHP


  • Gateway services

    JatApp developed a payment gateway for fast and seamless payment processing. The solution helps our client optimize acceptance rates and lower processing costs, while its customers can make purchases and enjoy quick, real-time transactions.
  • Flexible anti-fraud system

    To increase the overall security, the payment gateway allows integration with various anti-fraud tools. Such a system monitors users’ transactions, analyzes them, and identifies fraudulent ones.
  • Chargeback protection

    The payment gateway helps to prevent disputes and reduce the number of chargebacks. In brief, the procedure looks as follows: a user (cardholder) contacts the bank to dispute a transaction. The bank notifies a merchant about the transaction and sends transaction details. The merchant, in turn, proves the validity of the transaction with the required information, and the bank sends this data to the cardholder who recognizes a transaction. This way, a merchant avoids a large percentage of chargebacks.
  • Microservices architecture

    The payment gateway is developed using a microservices architecture. This means that the main modules of the system may function as an independent micro product. The microservices approach enables to independently update and scale each module, and, as a result, maintain them faster and easier.

Contact us to develop a secure payment gateway

If you need a reliable fintech solution, JatApp can help you build it. We are a PCI DSS compliant company to implement a secure and scalable payment system.

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