Custom Payment System Development
We build payment systems you can trust with real money: gateways, processing, wallets, mobile banking. The architecture is led by a team from Kazakhstan’s big tech, where payments were the core of the product. We start with a free audit — regulatory requirements and risks mapped before a single line of code.
The payment and fintech systems we build
We work across the full money-movement loop — from accepting a payment to ledgers, reconciliation and payouts. Every transaction is traceable and reconciles down to the last cent.
Payment gateway and acquiring
Cards and local methods, tokenization, 3-D Secure, routing across acquirers. One API.
Processing, billing, ledgers
A transaction-processing core, tariffication, recurring charges, automatic reconciliation with banks.
Wallets, P2P and QR
Balances and limits, transfers, QR payments, real-time history and notifications.
Mobile banking and neobanks
React Native apps: accounts, cards, payments, statements, push, biometrics.
Lending, installments and BNPL
Scoring, disbursement, repayment schedules, point-of-sale installments, credit-bureau integration.
Anti-fraud, KYC/AML, back office
Fraud rules and limits, identity verification, sanctions screening, a console for disputed transactions.
Who needs a custom payment system
- Banks — digital channels, a neobank, in-house processing instead of a boxed platform with vendor lock-in.
- Lenders — disbursement, installments, BNPL and repayment tracking built around your product logic.
- Fintech startups — an MVP ready by the time talks with the Central Bank and partners get concrete.
- Marketplaces — split payments, seller payouts, escrow, internal wallets.
- Payment operators — a gateway spanning multiple methods and providers behind a single API.
- Retail — your own payment stack instead of the fees and limits of someone else’s solution.
Integration with Uzbekistan’s payment infrastructure
We know Uzbekistan’s payment environment from production, not from the docs. We connect:
- Uzcard and Humo — issuing, acquiring, transaction processing.
- Payme, Click, Apelsin — payment acceptance and P2P scenarios.
- Visa and Mastercard — cross-border and multi-currency operations.
- Partner banks and acquirers — payments, statements, ledgers.
- Regulator APIs and government services — as the project requires.
Security: PCI DSS and Central Bank requirements
Security and compliance are the foundation of the architecture, not a feature for later. The audit and the conversation with the regulator become a continuation of decisions already made.
PCI DSS, tokenization and encryption
We isolate the cardholder-data environment, store tokens instead of PANs, encrypt fields and traffic — shrinking the audit scope.
Central Bank requirements and licensing
We design around the Central Bank’s rules on operations and reporting and prepare the technical side for licensing.
Resilience and idempotency
A repeated request never charges twice. Redundancy and retries — no double charges or stuck payments.
Payment load and peaks
Horizontal scaling, queues, graceful degradation without losing transactions at peak hours and promos.
Architecture and technology
The core is a double-entry ledger: the balance always reconciles, and every operation has an immutable posting.
Service architecture: Kafka, Go and Java (Spring), PostgreSQL, Kubernetes. Headroom for load and module-by-module growth.
- Ledger and double-entry — a single source of truth for balances.
- Kafka — the event backbone for transactions, ledgers and integrations.
- Go and Java (Spring) — a performant processing core.
- PostgreSQL — strict transactionality for monetary data.
- Kubernetes — scaling, resilience, predictable releases.
How we run the project
Architecture audit
We break down the product, regulatory requirements and data model. PCI DSS scope fixed before any code.
Design
Ledger, integration map and API, estimate and roadmap. Compliance agreed on paper.
Build
We assemble the core in sprints and show working blocks. Uzcard, Humo, Payme, Click — as they become ready.
Grow
Launch, transaction monitoring, new modules. We help you pass the audit and licensing.
Timeline and cost
The estimate depends on the product type, payment methods and depth of compliance. After the audit we fix the MVP price; further work runs on Time & Material.
A working core with the first payments ships in a few weeks. The full system is assembled in stages.
Frequently asked questions
How much does a custom payment system cost?
How long does development take?
Do I need a Central Bank license, and do you help with the regulator?
Do you integrate Uzcard, Humo, Payme and Click?
How do you ensure security and PCI DSS compliance?
Who owns the code and rights to the system?
Free architecture audit
We’ll review your payment product and regulatory requirements, and show the architecture and PCI DSS scope. The first assessment is free.