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Fast, Reliable Payments From Checkout to Settlement.
We build payment gateways, processing platforms, POS systems, and subscription billing for fintechs, merchants, and platforms, engineered for speed, reliability, and secure handling of every transaction.
Trusted by teams building what's next
Payments sit at the heart of every commercial product, and when they fail the cost is immediate: abandoned checkouts, frustrated customers and finance teams chasing unmatched settlements. Merchants and platforms now sell across countries, channels and payment methods, so a single gateway integration rarely covers cards, wallets, bank transfers and local schemes such as UPI, iDEAL or mada.
As a payment software development company, we design payment systems around the full lifecycle of a transaction: authorisation, capture, settlement, refund, chargeback and reconciliation. We integrate Stripe, Adyen, Checkout.com, Razorpay, Network International and regional acquirers, and build orchestration layers that route each payment to the provider most likely to approve it at the lowest cost.
Card data is handled with PCI DSS v4.0 in mind from the first architecture diagram. Hosted fields, network tokens and vaulting keep raw card numbers away from your servers where possible, while 3-D Secure 2, PSD2 strong customer authentication, AML screening and fraud scoring protect each payment without blocking good customers at checkout.
Whether you are adding payments to a marketplace, launching a payment product of your own, replacing a POS estate or moving to recurring billing, we build payment software that approves more transactions, reconciles to the penny and gives finance a single view of money in and out across every provider and currency.
Rules and data-driven routing across Stripe, Adyen, Checkout.com and local acquirers, with automatic failover and retries so a provider outage does not stop sales.
Hosted fields, network tokenisation and vaulting keep card data away from your systems, and the controls PCI DSS v4.0 requires are applied to anything that stays in scope.
Cards, Apple Pay and Google Pay alongside UPI, SEPA, iDEAL, mada, Pix and buy now pay later options, presented by country so customers see what they trust.
Automated matching of transactions, settlements, fees, refunds and chargebacks across providers into one ledger, with exceptions surfaced for finance before month-end.
Subscriptions, usage-based pricing, proration, account updater and smart retries that recover failed renewals without manual chasing.
Risk scoring, velocity rules, 3-D Secure 2 decisioning and chargeback evidence workflows that cut fraud losses while keeping approval rates high.
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Industries served
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Countries with live products
Each one designed with your teams, integrated with the systems you already run, and engineered to scale.
Multi-provider routing with cards, wallets, bank transfers, and local methods.
In-store and mobile POS connected to inventory and accounts.
Recurring payments, trials, upgrades, and dunning management.
QR codes, real-time payment rails, and pay-by-bank.
Automated matching of transactions, payouts, and fees.
Risk scoring, 3-D Secure, and velocity checks.
Other banking & financial services areas with a dedicated page.
The product categories payments organisations most often ask us to build, from focused mobile apps to multi-tenant platforms.
Merchant-facing gateways that accept cards, wallets and bank payments and hand them to acquirers.
A single API over many providers with routing, failover, tokenisation and unified reporting.
Split payments, seller onboarding, escrow and payouts for marketplaces and SaaS platforms.
In-store, mobile and tap-to-phone acceptance connected to inventory, loyalty and accounts.
Plans, usage metering, invoicing, dunning and revenue reporting for recurring businesses.
Merchant applications, underwriting, KYB checks and dashboards for acquirers and payment facilitators.
Multi-currency collections, FX and bulk payouts to suppliers, sellers and gig workers.
QR acceptance on UPI, Pix and other instant rails, and pay-by-bank journeys through open banking.
Finance tooling that matches provider reports, bank statements and the ledger automatically.
Grouped by who uses them. Every feature below is one we have shipped to production, not a wishlist.
What customers see when they pay.
For merchants, risk and support teams.
Control over routing, money and reporting.
The problems we most often help payments organisations solve, and design every engagement around.
Every false decline, timeout or provider outage is lost revenue and a frustrated customer, and many teams cannot see why payments fail.
Matching payments, refunds, fees and payouts across several providers, currencies and settlement cycles takes finance teams days each month.
Handling card data directly expands PCI DSS scope, audit effort and breach risk, especially as v4.0 adds stricter script and authentication controls.
Card testing, stolen credentials and friendly fraud raise losses and dispute fees, while blunt rules decline legitimate customers.
Each country brings its own preferred payment methods, currencies, SCA rules and data-residency requirements that a single gateway may not cover.
Real products designed and engineered by Creuto end to end, with the operational depth banking & financial services and payments projects demand.
A complete, end-to-end HR and payroll platform covering employee onboarding to exit, attendance, leave, payroll processing, compliance, and reporting — built and delivered by Creuto from scratch.
5×
Faster Payroll Processing
20 wk
Time to Market
5
User Roles
A complete Before-Sales and After-Sales CRM platform — AI-powered market insights, Kanban pipeline management, complaint tracking, and role-based dashboards built and delivered by Creuto end to end.
2
CRM Modules (Before & After)
AI
Market Intelligence Engine
360°
Customer Lifecycle Coverage
A fully custom, browser-based ERP system built to unify every department, eliminate silos, and scale with the business — designed and delivered by Creuto end to end.
4
Departments Unified
1
Source of Truth
100%
Browser-Based Access
The payments standards we build against and the controls behind them. Your compliance team keeps ownership; we make the software easy to certify.
The platforms, standards and third-party services a product in this sector usually has to talk to. If yours is not listed, it is almost certainly something we have connected before.
The reasons clients in this sector give when they recommend us, not the ones we would pick ourselves.
Either we build it exceptional, or we don't.
The standard every payments product leaves our studio with.
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Products delivered
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Years of engineering
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Client satisfaction
Authorisation, capture, settlement, disputes and reconciliation are designed together, not as separate projects.
We recommend the gateways and acquirers that fit your markets and margins, and design so you can add or switch providers later.
Data-flow diagrams, scope analysis and control evidence are delivered for your QSA or self-assessment.
Reconciliation, fee reporting and ledger exports are built for the people who close the books.
We track authorisation rates, fraud losses and processing cost, and keep tuning after launch.
What organisations in this sector gain when the software is built around their workflows rather than the other way around.
Smart routing, network tokens and retries recover payments a single-provider setup would decline.
Routing by cost and method lets you send each payment to the most economical provider that will approve it.
Automated reconciliation replaces manual spreadsheet matching across provider reports and bank statements.
Tokenisation and hosted fields shrink the systems in scope and the effort of each assessment.
Automatic failover keeps checkout running when a gateway or acquirer has problems.
Adding a country becomes configuration of methods, currencies and providers rather than a new integration project.
Transparent, sprint-based and built around decisions you can see. You know what ships, when, and why at every step.
Start Your ProjectWe map who pays whom, in which currencies and methods, your role in the payment chain, current approval and failure rates, and how finance reconciles today.
Provider strategy, routing model, tokenisation approach, ledger design and PCI DSS scope are agreed before design, so compliance is a property of the architecture.
Checkout and merchant flows are prototyped and tested with real users, including declines, 3-D Secure challenges, partial refunds and failed payouts.
Two-week sprints built against provider sandboxes, with idempotency, retries and webhook handling tested from the first integration.
Scheme and provider certification support, reconciliation testing against real settlement files, load tests for peak sales and a penetration test.
Traffic is moved provider by provider or market by market, then routing and retry rules are tuned using authorisation and cost data.
Chosen per project for longevity, hiring depth and fit with your existing systems, never by fashion.
AI IN PAYMENTS
We use AI in payment systems where it lifts approval rates, cuts fraud losses or removes manual work in disputes and reconciliation, with explainable decisions and human review where money is at stake.
Explore our AI engineeringThe shifts we design for so a product launched this year is still the right product in three.
Merchants and platforms are moving to multi-provider setups behind one API to improve approvals, resilience and negotiating power.
Visa and Mastercard network tokens are replacing stored card numbers, lifting approval rates and keeping card-on-file credentials current.
UPI, Pix, SEPA Instant and open banking pay-by-bank are taking share from cards for many payment types.
Future-dated v4.0 requirements on payment page scripts, authentication and targeted risk analysis are now mandatory and change how checkouts are built.
SaaS platforms are adding payments for their customers, becoming payment facilitators and earning revenue on transactions.
Machine learning scores transactions in real time and assembles chargeback evidence, reducing losses and manual work.
There is no honest single number. Scope, integrations and compliance drive the budget, so we price against a written scope after discovery. The factors below are what move it.
Integrating a gateway is far smaller than becoming a payment facilitator or building a gateway of your own.
Each acquirer, wallet and local method adds integration, certification and testing effort.
Handling card data directly requires more controls, documentation and assessment than tokenised designs.
Multiple currencies, settlement cycles and fee structures add ledger and matching logic.
Seller onboarding, KYB, split payments and payouts are a substantial product in their own right.
POS devices, SoftPOS and offline modes add certification and device testing.
| Engagement | Typical scope | Timeline |
|---|---|---|
| Validation MVP | One checkout flow, one payment provider, refunds, basic reporting and PCI-minimising design. | 10 to 14 weeks |
| Production payment platform | Multiple providers and methods, routing, merchant dashboard, reconciliation, fraud rules and monitoring. | 4 to 7 months |
| Enterprise or multi-market platform | Orchestration across markets, marketplace payouts, POS, multi-entity ledger, AI fraud scoring. | 8 to 14 months, phased |
Revenue models we have built billing, reporting and growth loops for. Most products combine two or three.
A percentage of payment value or a fixed fee per transaction processed.
Monthly plans for merchants using the gateway, dashboard or billing platform.
Revenue on currency conversion for cross-border collections and payouts.
Charges for faster settlement, instant payouts or premium payout methods.
Paid fraud tools, chargeback management, analytics and financing offered to merchants.
The engineering disciplines every project in this sector draws on. Each has its own page with process, stack and FAQs.
Founders and product leaders on what it is like to build with Creuto.
“We always felt supported and in sync with their team.”
Creuto's work streamlined the client's processes, improved batch traceability, and made production planning more efficient, dropping manual paperwork by 80%. Moreover, the team managed the project smoothly, was timely, and communicated clearly. Overall, Creuto's openness was impressive.
Karan Verma
Project Manager, Galgoties
More client voices
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Straight answers about payments software projects. If yours is not here, ask us directly.
Ask our payments teamIt depends on your role in the payment chain, the number of providers, methods and currencies, PCI DSS scope, reconciliation requirements and whether you need marketplace payouts or POS. A single-provider checkout is a materially smaller investment than a multi-market orchestration platform. After discovery we provide a fixed-scope proposal with a clear breakdown.
A validation MVP with one checkout flow and provider typically takes 10 to 14 weeks. A production platform with multiple providers, routing, a merchant dashboard and reconciliation usually takes four to seven months. Enterprise or multi-market platforms with marketplace payouts and POS are delivered in phases over eight to fourteen months.
We use hosted fields, provider-hosted pages and network tokenisation so raw card numbers never reach your servers where possible. That can move you to a simpler self-assessment questionnaire. Anything that remains in scope gets the PCI DSS v4.0 controls it requires, including script integrity monitoring on payment pages, and we provide evidence for your QSA.
We integrate with Stripe, Adyen, Checkout.com, Razorpay, Network International, PayPal and Braintree, Worldpay and regional acquirers, plus wallets and local methods such as Apple Pay, Google Pay, UPI, mada, Klarna and Tabby. We recommend providers by market, margin and approval performance.
Payment app development usually means a customer-facing checkout, wallet or POS app. Payment software development covers the whole system: provider integrations, routing, tokenisation, ledger, reconciliation, fraud and dispute handling, merchant and finance tooling. We deliver both as one connected product.
Yes. We build payment gateways, orchestration layers, payment facilitator platforms, merchant dashboards and processing services for fintechs, and support the scheme and acquirer certification those products need.
Yes. We build multi-currency pricing, checkout, settlement and payouts, with FX handled by your provider or a dedicated FX partner and every movement recorded in a multi-currency ledger.
We combine network tokens, account updater, 3-D Secure 2 data sharing, local acquiring, intelligent retries and routing across providers, then measure authorisation rates by provider, method, issuer and country so rules can be tuned with real data.
Tell us what you are building. We will help you scope it, design it, and ship it, with a senior team accountable end to end.
