Misconfigured gateways and failed payments
A poorly integrated gateway leaves money on the table: valid cards declined, SCA errors and abandoned carts.
Regulatory compliance
PSD2, SCA and PCI-DSS from the very first line of code
Taking payments online in Europe means staying compliant. It isn’t a layer you add at the end: we design it into the payment flow, without hurting conversion and without creating legal risks with your bank.
PSD2 with 3DS2 and strong customer authentication (SCA)
SCA exemptions applied correctly so you don’t lose conversions
PCI-DSS with tokenization: we never touch the actual card data
Open Banking AISP/PISP via certified aggregators (Tink, TrueLayer)
Let’s talk about your integration →
The problem
When payments fail, the business suffers
A poorly integrated payment gateway shows up in your bottom line before it shows up in IT. This is what we see every week when we audit payment setups.
Manual bank reconciliation every month
Your accounting team matching payments one by one against the bank statement. Hours that cost money, and errors that cost even more.
Recurring payments that slip away
Subscriptions with expired cards, manual dunning, forgotten reminders. Avoidable churn that a well-built integration really does prevent.
No B2B payments or payment on credit
Your B2B customers want to pay at 30/60 days. Without integration with your ERP, you can’t tie orders to a credit limit or show customers their balance.
Payment gateways we integrate
A payment gateway for every customer, channel and country
We integrate the leading payment gateways and combine several in the same checkout when it makes sense. Routing by country, amount or customer type.
Stripe
Cards, Apple Pay, Google Pay, Bizum, SEPA, Klarna. Stripe Billing for subscriptions. The standard for SaaS and modern ecommerce.
Redsys
The virtual POS used by Spain’s main banks. SCA, 3DS2, deferred payment and refunds built in.
PayPal
Payments with a PayPal account, card or in 3 installments. Built-in buyer protection.
Bizum
Spain’s instant mobile payment system: pay from your phone, no form to fill in. Ideal for B2C ecommerce and small payments.
Klarna and Sequra
Deferred payments and installments. Increase average order value and conversion with no risk to you (the platform takes on the credit).
PSD2 / Open Banking
Direct connection with BBVA, Santander, CaixaBank and Sabadell. Bank payments without a gateway and real-time balance checks.
Use cases
Payments designed around your business model
Selling a T-shirt is not the same as invoicing a B2B customer at 60 days. Each use case has its own optimal architecture.
B2C ecommerce
Multiple payment gateways, A/B testing, SCA compliance and ERP reconciliation.
B2B with payment on credit
Credit limits per customer, payment terms, recurring invoices.
SaaS and subscriptions
Recurring billing, dunning, proration, upgrades and plans with a free trial.
Marketplaces and split payments
Payments split between sellers, with automatic commission.
Banks and aggregators
PSD2 banking APIs and Open Banking aggregators
Beyond the payment gateway: we connect directly to your bank or to an AISP/PISP aggregator to initiate payments, read balances and reconcile payments in real time.
B
BBVA API Market
PISP payment initiation, account information and automatic reconciliation for BBVA business accounts.
- Official PSD2
- PISP
S
Santander Open Bank
Santander’s official PSD2 API: SEPA payments initiated from your platform and statement reconciliation.
- Official PSD2
- SEPA
C
CaixaBank · Sabadell · ING
Direct connection to the PSD2 APIs of CaixaBank, Sabadell and ING for customers with a business account at these banks.
- Official PSD2
- 3 banks
T
Tink (by Visa)
A single AISP/PISP contract covering 3,400+ European banks. Ideal if you operate in several markets.
- EU aggregator
- 3,400+ banks
TL
TrueLayer
Instant PISP payments, pay-by-bank and identity verification via bank account.
- UK/EU aggregator
- Pay-by-bank
Reconciliation with your ERP
Every gateway payment or bank transfer is linked to its invoice in your ERP: Odoo, Dolibarr, proprietary or custom-built.
- ERP-agnostic
- Automatic
How we integrate
From analysis to production, with no surprises
Every payment integration follows the same proven process: audit, sandbox, certification and continuous monitoring.
01
Audit
Analysis of your payment flows, business models and current banks.
02
Design
Payment architecture, routing and the link to your ERP or online store.
03
Sandbox
Testing in a sandbox environment with simulated cards and banks.
04
Certification
PCI-DSS, PSD2 and official validation with each provider.
05
Production
Gradual rollout with feature flags and instant rollback.
06
Monitoring
Logs, alerts and automatic retries for any incident.
FAQ
Common questions about payments and banking
How much does it cost to integrate a payment gateway?
The price depends on the gateways, the banks and how much reconciliation you need with your ERP. We review your payment flows and give you a fixed-price proposal.
Do you cover PSD2 and SCA compliance?
Yes. We implement 3DS2 / SCA with exemption flows to protect your conversion rate. We test in the bank’s sandbox before going live.
Can I combine several payment gateways?
Yes. It’s the norm: Redsys for cards + PayPal + Bizum + Klarna. We route payments by country, amount or customer type.
Do you integrate with my bank’s PSD2 API?
Yes, with BBVA, Santander, CaixaBank, Sabadell, ING, Bankinter and other European banks. Useful for payment confirmations and reconciliation.
What about B2B payments on credit?
Yes. We bring each customer’s credit limit in from your ERP. The portal checks available credit before accepting the order and records the payment when it falls due.
How long does a typical integration take?
A standard payment gateway integration takes 2 to 4 weeks. If it includes Open Banking and ERP reconciliation, 6 to 10 weeks. We always give you a fixed timeline after the assessment.
Are your payments leaking money along the way?
Request a payments and banking assessment call. We review your current stack and tell you where you’re losing conversions, where work is being duplicated and where to start.