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Your Technical Solutions for Complex Payment Flows
Design and implement high-performance, fault-tolerant payment systems capable of handling multi-PSP orchestration, cross-border transactions, and high-volume payments.
Multi-PSP integration and routing optimization
Real-time transaction settlement and cross-border payments
API-first architecture for extensible, modular systems
Event-driven and microservices-based payment infrastructure
High concurrency and low-latency processing with Elixir and functional programming
Fraud detection, risk mitigation, and compliance automation
Built for Businesses Ready to Take Control of Their Payment Infrastructure
Fintech & Banking – Payment orchestration, subscriptions, multi-PSP setups.
E-Commerce & Retail – High-volume checkout, fraud prevention, cross-border payments.
Enterprises & Marketplaces – Scalable payment architecture, mobile wallets, analytics-driven optimization.
Technical Expertise for Your Payment Infrastructure
Custom Payment Orchestration Platforms
Build modular, fault-tolerant payment engines designed for high concurrency, uptime, and global scalability. Our architectures leverage Elixir, Phoenix, and functional programming principles to handle complex routing logic, retries, and settlements with near-zero latency.
Payment Gateway & API Integration
Integrate multiple PSPs, acquirers, and alternative payment methods through robust, API-first architectures. We ensure seamless tokenization, reconciliation, and unified reporting, while preserving flexibility for quick onboarding of new gateways and regions.
Mobile & Omnichannel Payment Solutions
Deliver frictionless user experiences across devices and channels. From digital wallets and P2P transfers to in-store contactless and NFC integrations, we create scalable, secure mobile ecosystems that support consistent branding and instant payments.
Fraud Detection & Risk Management
Protect transactions with AI-driven anomaly detection, velocity checks, and behavioral analytics. Our systems integrate with existing payment flows to automate chargeback prevention, AML compliance, and adaptive authentication, without adding friction to the user experience.
Legacy System Modernization
Transform monolithic or outdated payment infrastructures into event-driven, microservices-based ecosystems. We refactor core systems to improve observability, reliability, and throughput while ensuring zero downtime and backward compatibility with legacy integrations.
Cross-Border & Multi-Currency Processing
Enable real-time currency conversion, regional tax handling, and multi-jurisdictional compliance with PSD2, PCI DSS, and GDPR. Our solutions support smart routing, localized payment experiences, and scalable multi-currency settlement pipelines for global operations.
"For over a decade, we’ve been designing and building high-performance payment systems that handle millions of transactions daily. From multi-PSP orchestration and real-time settlement to event-driven, low-latency architectures, our focus has always been on creating scalable, secure, and reliable platforms that empower businesses to grow globally without compromise."
Why Partner With Us
Expertise in Elixir & Functional Programming
High concurrency, fault tolerance, low latency.
Output-Oriented Approach
Optimize transaction flows, reduce operational overhead, scale globally.
API-First & Microservices Architecture
Flexible, extensible, and resilient payment infrastructure.
AI-Enhanced Operations
Fraud detection, smart routing, and predictive analytics.
Regulatory Compliance & Security-First Engineering
Built to meet PCI DSS, PSD2, GDPR, and AML standards through secure-by-design architectures, encrypted data pipelines, and automated compliance workflows.
High-Volume Transaction Optimization
Designed for platforms processing millions of transactions daily.
Words from our partners
Dan White
Co-Founder, Localvore
“
I appreciate Crafting Software because we wouldn’t be here if we’d gone through another round of not having the right team.
There would be no business and we wouldn’t get any investment opportunities if Crafting Software didn’t work out for Localvore — straight up, there would be no Localvore.
Ted Gay
Co-Founder, Athena
“
It’s easy to work with Crafting Software — they’re all very good people.
The team excels at project management. We’ve changed courses a few times, and the Crafting Software team has been willing to adjust to the number of resources we need. Overall, they’ve been a great partner who understands our vision.
Joshua Hall
VP of Product, Reva Technology
“
I’ve worked with plenty of teams over the last 20 years, and Crafting Software is top-notch.
They think about second- and third-order problems of how they can do their jobs better and how they can impact their customers effectively. That’s uncommon in my experience.
On top of that, they clearly take pride in their work.
Payment Software Development FAQ
How do you ensure scalability for high-volume payment processing?
We design distributed, event-driven systems using Elixir, Phoenix, and message queues (Kafka, RabbitMQ) to handle millions of concurrent transactions with near-zero downtime. Our architecture supports horizontal scaling, load balancing, and asynchronous transaction pipelines to ensure consistent performance during traffic spikes or global rollouts.
How do you prevent fraud and ensure transaction security?
Our platforms include AI-powered fraud detection with real-time anomaly tracking, device fingerprinting, and adaptive risk scoring. We implement tokenization, end-to-end encryption, and secure vault storage for sensitive data. Additionally, we automate compliance with PCI DSS, PSD2, and AML requirements to protect both users and merchants.
Can your payment solutions integrate with existing legacy systems?
Yes. We specialize in legacy modernization and system interoperability, enabling seamless integration through REST, GraphQL, or gRPC APIs. Our team gradually decouples monolithic platforms into modular microservices while ensuring data integrity, minimizing downtime, and maintaining full PCI DSS compliance.
What technologies do you use for building custom payment software?
We leverage Elixir, Phoenix, Node.js, and Go for backend performance; React and TypeScript for secure and scalable frontends; and PostgreSQL, Redis, and cloud-native infrastructure (AWS, GCP, Azure) for reliability and speed. Our API-first approach ensures fast PSP integrations and high interoperability across systems.
How long does it take to develop a payment platform?
A minimum viable product (MVP) with core payment features typically takes 3–4 months, while a custom enterprise-grade platform with multi-PSP routing, fraud prevention, and analytics may require 6–9 months. We use an agile, modular approach that allows for incremental rollout and rapid scaling as your payment volume grows.
