Is the system PCI compliant?

Yes. We use Stripe Elements and PayPal SDK which handle card data directly, so your servers never touch raw card numbers. This puts you in PCI SAQ-A scope — the simplest compliance level.

Can you handle complex pricing models?

Yes. We build per-seat, usage-based, tiered, freemium, and hybrid pricing models. Complex proration, credits, and discounting logic is handled precisely.

How do you handle failed payments?

We implement smart dunning with retry schedules, payment method update requests, and grace periods. Involuntary churn is minimized through automated recovery flows.

Payment Processing Built for Your Business

Stripe, subscriptions, marketplace payouts, and custom billing logic. Our AI-managed teams build PCI-compliant payment systems with milestone-based delivery.

Solution: Payment Processing

Payment processing integration goes beyond adding a Stripe checkout button. Production payment systems handle subscriptions, metered billing, marketplace payouts, tax calculation, fraud detection, and regulatory compliance. A well-architected payment system is critical for revenue reliability, customer trust, and business scalability.

Stack Components

Stripe / PayPal (Payment Gateway): Primary payment processors handling credit cards, ACH, Apple Pay, Google Pay, and international payment methods with built-in fraud prevention.
Stripe Billing / Chargebee (Subscription Management): Recurring billing engine managing subscriptions, plan changes, proration, usage-based metering, and dunning for failed payments.
TaxJar / Avalara (Tax Calculation): Automated tax calculation and filing for sales tax, VAT, and GST across jurisdictions, ensuring compliance as you grow.
Node.js / Python (Payment Backend): Secure backend handling webhook processing, idempotent payment operations, and integration with accounting and ERP systems.
PostgreSQL (Transaction Ledger): ACID-compliant database for maintaining an immutable transaction ledger with double-entry accounting and reconciliation support.

Best For

SaaS subscription billing
Marketplace payment splits and payouts
E-commerce checkout optimization
Metered and usage-based billing
Multi-currency international payments
Invoicing and accounts receivable automation

Case Studies

SaaS Subscription Platform: Full subscription billing system with free trials, plan upgrades, proration, and dunning for a B2B SaaS product with 5,000+ paying customers.
- Stripe Billing integration with 15 plan tiers and annual/monthly options
- Automated dunning recovered 12% of failed payments
- Self-service plan management reducing support tickets by 35%
- Revenue recognition reports for accounting compliance
Marketplace Payment System: Two-sided marketplace with Stripe Connect handling buyer payments, seller payouts, platform fees, and multi-currency support.
- Stripe Connect for automated seller payouts in 25+ currencies
- Platform commission calculation with configurable fee structures
- Tax calculation across 40+ countries via TaxJar

Frequently Asked Questions

Is the system PCI compliant?: Yes. We use Stripe Elements and PayPal SDK which handle card data directly, so your servers never touch raw card numbers. This puts you in PCI SAQ-A scope — the simplest compliance level.
Can you handle complex pricing models?: Yes. We build per-seat, usage-based, tiered, freemium, and hybrid pricing models. Complex proration, credits, and discounting logic is handled precisely.
How do you handle failed payments?: We implement smart dunning with retry schedules, payment method update requests, and grace periods. Involuntary churn is minimized through automated recovery flows.