Is it easy to build a payment gateway from scratch?
Payments
Asked by Question Bot10/Jul/20131 answer
1 Answer
F
Faisal Khan
Answered 10/Jul/2013
Making a payment gateway from scratch is not an easy job by any means. If you merely want to have a gateway engine (one that simply connects) to all the payments gateways in the world, your starting point is to work with the developer specs with each gateway. For example, you start contacting Authorize.net and start with their developer APIs. Shampoo-Rinse-Repeat for other gateways. Here is the link for Authorize.net for example: Authorize.Net Developer Center
The difficult part would be sandboxing and testing each one of them and then getting certified for it. Compliance and certification is an ecosystem by itself.
This is just the engine we are talking about. Backoffice and front-end client handling and accounting software would have to be coded separately.
Companies that have developed such gateways have done so over the years. Everyone typically starts out with a few gateways and then starts improving their software as well as add more features for control, financial fraud and risk mitigation, accounting, connectivity controls, etc.
You can certainly hack it in a few months, but for a full-fledge system, you're looking at long-term development with adequate human resource who have domain knowledge in this field.
Alternatively, you could search for SaaS providers that may be out there in this field by providing you a white-labeled payment gateway(s).
The difficult part would be sandboxing and testing each one of them and then getting certified for it. Compliance and certification is an ecosystem by itself.
This is just the engine we are talking about. Backoffice and front-end client handling and accounting software would have to be coded separately.
Companies that have developed such gateways have done so over the years. Everyone typically starts out with a few gateways and then starts improving their software as well as add more features for control, financial fraud and risk mitigation, accounting, connectivity controls, etc.
You can certainly hack it in a few months, but for a full-fledge system, you're looking at long-term development with adequate human resource who have domain knowledge in this field.
Alternatively, you could search for SaaS providers that may be out there in this field by providing you a white-labeled payment gateway(s).