Smerdoff
Smerdoff / Solutions

Payment Integration Development

Dropping a checkout button into your product is the easy 10%. The other 90% is payouts, refunds, disputes, reconciliation, and the edge cases that show up the first month you process real money. We build that part.

TransactionsPayoutsDisputesReconciliation
Payment integration dashboard showing transactions, payouts, and dispute status
10–30%
of a full build is what a lean first version typically costs — validate before you commit
MVP cost research
9.4 hrs
saved per employee each week just by connecting the tools a business already uses
Zapier

Why payment integration is a project, not a plugin

The SDK gets you a working demo. Production traffic finds every gap in it.

Handles money correctly from day one

Idempotency, partial refunds, currency rounding, and failed-payment retries built in — not discovered in a postmortem.

Payouts that match your business model

Split payments, marketplace payouts, delayed settlement, or subscription proration — modeled the way your business actually splits revenue.

Disputes handled, not just logged

A chargeback workflow that pulls evidence automatically instead of someone digging through email threads under a deadline.

Reconciliation that closes the books

Transactions match your ledger and your processor's reports, every time, without a manual spreadsheet at month-end.

One integration, not per-market patchwork

Multiple processors, currencies, and payment methods behind a single internal API your product team can rely on.

Audit trail built for compliance

Every transaction, refund, and payout logged in a form your finance and compliance teams can actually use.

What goes into a payment integration

We build the modules your payment flow actually needs.

Checkout and transaction processing

Card, ACH, and wallet payments with idempotent transaction handling and retry logic.

Payouts and split payments

Marketplace-style payouts, vendor splits, or scheduled settlements matched to your revenue model.

Subscription and billing logic

Proration, upgrades, downgrades, dunning, and failed-payment recovery.

Dispute and chargeback handling

Automated evidence collection and status tracking so disputes don't rely on manual follow-up.

Reconciliation engine

Automated matching between processor reports, your ledger, and bank deposits.

Compliance and audit logging

PCI-conscious architecture with a full audit trail for every money movement.

FAQ

Connecting the SDK to accept a card is a day of work. What we build is everything around it: payouts that match your business model, reconciliation against your ledger, dispute handling, retry logic for failed payments, and the audit trail your finance team needs. Most teams that 'just integrate Stripe' end up rebuilding this six months later once real transaction volume exposes the gaps.

Stripe, Adyen, Braintree, and PayPal most commonly, along with ACH rails and processor-specific options where needed. We pick based on your markets, payment methods, and payout requirements.

Yes. We've handled processor migrations that keep subscriptions, saved payment methods, and transaction history intact without disrupting active billing cycles.

We architect the integration so card data touches your servers as little as possible, using tokenization and hosted fields to keep your PCI scope minimal.

A focused payment integration — checkout, payouts, and basic dispute handling — usually takes 4-6 weeks depending on the number of processors and payment methods involved.

Related

Get a free estimate for your payment integration

Tell us about your product, your payout model, and which processors you're considering — we'll scope an integration that handles real transaction volume correctly.