Integration & Automation · Chennai

Payment Gateway Integration சேவைகள் that turn checkout into revenue

Every failed payment is a lost customer. Arctovion Tech delivers secure Payment API Integration for web and mobile — Razorpay, Stripe, PayU, UPI, cards and net banking — with webhooks, refunds and reconciliation built in from day one.

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  • Razorpay & Stripe
  • UPI, cards & net banking
  • PCI-aligned & secure
  • Webhooks & reconciliation

Trusted by founders and finance teams who need payments that clear reliably — not a checkout that drops customers at the last step.

Payment Gateway Integration Services — smartphone processing a secure payment with card, UPI rupee note and lock shield
Why Arctovion

Why businesses choose Arctovion for payments

You are not just adding a pay button. You are protecting revenue at the exact moment a customer decides to trust you. We treat Payment Gateway Integration as a security and conversion problem — not a copy-paste snippet.

Feature image — seamless payment gateway integration for ecommerce with fast secure transactions, multiple payment options and API integration

Payments experience

We have wired checkout for ecommerce, subscriptions and marketplaces across Indian gateways.

Fast delivery

Standard checkout goes live in one to two weeks with a tested webhook flow.

Transparent pricing

Fixed proposals per flow — checkout, subscriptions, payouts — with no hidden gateway surprises.

Dedicated support

A named engineer for go-live, disputes and gateway SDK changes.

Modern stack

Hosted fields, SDKs and signed webhooks so card data never touches your server.

Scalable architecture

One payment service reused across web, Android, iOS and Flutter clients.

Security-first

PCI-DSS-aligned patterns, tokenisation and least-privilege API keys.

Custom flows

Split settlements, EMI, wallets, eNACH auto-debit — built to your business rules.

Technology image — payment gateway architecture connecting ecommerce web, POS terminal and mobile to a secure payment hub
Education

What is Payment Gateway Integration?

Payment Gateway Integration connects a payment provider to your website or app so customers can pay securely — and so money reliably reaches your bank account with a clear record of every transaction.

Businesses need it the moment they sell online. Manual bank transfers and payment links do not scale, leak revenue and frustrate buyers. Proper Payment API Integration removes that friction at checkout.

Who should use it: ecommerce stores, SaaS products with subscriptions, clinics and schools collecting fees, logistics and service businesses taking prepayments, and any marketplace that pays out to vendors.

Where it is headed: UPI-first checkout, tokenised cards, one-click and biometric payments, and tighter RBI rules on recurring mandates. Good integrations are built to absorb those changes.

For provider specifics, the Razorpay and Stripe developer docs are the references our engineers build against.

Secure payment gateway checkout with PayPal, Google Pay, credit card fields, Razorpay and PayU options plus eNACH auto-debit
How we deliver

Our Payment API Integration process

Eight clear stages — each with a business benefit you can track.

  1. 01

    Requirement gathering

    Payment methods, currencies, refunds, payouts and compliance needs documented.

    Benefit: right gateway chosen the first time
  2. 02

    Planning

    Gateway selection, fees, settlement timing and architecture agreed in writing.

    Benefit: predictable cost and payout timing
  3. 03

    Checkout UI

    Fast, trustworthy checkout with clear methods and error states.

    Benefit: fewer abandoned carts
  4. 04

    Development

    Secure API integration, hosted fields, webhooks and refund flows.

    Benefit: payments that clear reliably
  5. 05

    Testing

    Sandbox cards, UPI test flows, failure and retry scenarios.

    Benefit: fewer live payment surprises
  6. 06

    Deployment

    Production keys, webhook verification and staged go-live.

    Benefit: safe, monitored launch
  7. 07

    Training

    Refunds, disputes and reconciliation walkthrough for your team.

    Benefit: finance stays independent
  8. 08

    Maintenance

    SDK updates, new methods and compliance changes on a retainer.

    Benefit: checkout keeps working long-term
Capabilities

What our Payment Gateway Integration covers

Fifteen capabilities teams ask for most — each tied to a business outcome.

UPI & QR payments

Collect via UPI intent, QR and autopay mandates.

Matches how India pays

Cards & net banking

Debit, credit, RuPay and all major banks.

No customer left at checkout

Wallets

Paytm, PhonePe, Amazon Pay and more.

Faster repeat purchases

Razorpay Integration

Orders, hosted checkout and signed webhooks.

Trusted, quick go-live

Stripe Integration

Global cards and multi-currency support.

Sell beyond India

Subscriptions

Plans, trials, upgrades and proration.

Predictable recurring revenue

eNACH auto-debit

Recurring mandates for EMIs and memberships.

Automates collections

Refunds & partial refunds

One-click refunds tied to orders.

Faster dispute resolution

Webhooks

Server-verified payment status events.

No fake “paid” orders

Split settlements

Marketplace payouts to multiple vendors.

Runs true marketplaces

Reconciliation

Settlement reports matched to orders.

Clean books for finance

Saved cards & tokens

Compliant tokenisation for repeat buyers.

One-tap checkout

Fraud & 3D Secure

OTP, 3DS and risk rules enabled.

Fewer chargebacks

Invoices & receipts

Automated GST-ready receipts on success.

Less manual admin

App payments

Android, iOS and Flutter checkout SDKs.

One backend, every device
Business outcomes

Benefits of professional Payment Gateway Integration

ROI shows up as higher checkout success, fewer manual hours and cleaner books.

1

Higher conversion — a fast, trusted checkout recovers carts you were losing.

2

Automation — receipts, status updates and refunds stop being manual work.

3

Recurring revenue — subscriptions and eNACH collect on time, every time.

4

Customer trust — familiar methods and secure UI reduce payment anxiety.

5

Fewer disputes — 3D Secure and clear records cut chargebacks.

6

Clean reconciliation — finance matches payouts to orders in minutes.

7

Scalability — one payment service serves web and every app.

8

Future growth — add methods and currencies without a rebuild.

9

Lower fraud risk — tokenisation and risk rules protect revenue.

10

Faster payouts — the right gateway improves settlement timing.

11

Compliance readiness — PCI-aligned patterns and RBI mandate rules.

12

Defendable investment — you own the integration and its documentation.

Who we serve

Industries we serve

Same secure engineering — payment flows tuned to how each sector collects money.

Healthcare
Finance
Retail
Education
Manufacturing
Construction
Travel
Restaurants
Real Estate
Automotive
Logistics
Startups
Stack

Technology we use — and why

Tools chosen for security, reliability and clean reconciliation — not trend chasing.

Frontend

React or your existing stack with hosted fields so card data never touches your DOM.

Backend

Node.js, Laravel or Spring Boot to create orders, verify signatures and store status.

Mobile

Android, iOS and Flutter checkout SDKs sharing one payment backend.

Cloud

AWS or Firebase for reliable webhook endpoints and elastic traffic spikes.

Database

PostgreSQL / MySQL with an auditable transactions and settlements ledger.

DevOps

Separate sandbox and live keys, secrets management and monitored deploys.

Security

PCI-aligned tokenisation, signed webhooks and least-privilege API keys.

Analytics

Payment funnel and success-rate tracking to spot drop-offs early.

Integrations

Razorpay, Stripe, PayU, Cashfree, CCAvenue, UPI and eNACH.

Compare

Why businesses choose us over freelancers and typical agencies

A straight look at support, security and what happens after launch.

Criteria Arctovion Tech Typical agency Freelancer
SupportNamed owner for go-live & disputesTicket queues after handoverDepends on availability
SecurityPCI-aligned, signed webhooksVaries by project leadOften overlooked
SEO / UXConversion-first checkout UISometimes extra costRarely considered
PerformanceSuccess-rate & funnel trackedChecked lateNot measured
CommunicationWritten scope & test planStatus decksChat-only
DocumentationKeys map & reconciliation guidePartialMinimal
WarrantyDefect window on go-liveShort or unclearUsually none
MaintenanceSDK & compliance updates plannedNew SOW each timeAd-hoc
FAQ

Payment Gateway Integration — frequently asked questions

Straight answers for founders and finance teams planning Payment API Integration.

What are Payment Gateway Integration சேவைகள்?

They connect a provider like Razorpay, Stripe or PayU to your site or app so customers pay by UPI, cards, net banking and wallets. The work includes checkout UI, secure Payment API Integration, webhooks, refunds and reconciliation.

Which payment gateways do you integrate?

Razorpay Integration, Stripe Integration, PayU, Cashfree, CCAvenue, Instamojo, PhonePe and Paytm, plus UPI and eNACH for recurring auto-debit. We recommend based on fees, payout timing and coverage.

How long does Payment API Integration take?

A standard one-time checkout takes one to two weeks. Subscriptions, split settlements, marketplace payouts or multi-currency add time. We confirm scope and timeline in writing first.

Is Razorpay Integration secure?

Yes. We keep card data off your servers using hosted fields or SDKs, verify payments with signed webhooks, and follow PCI-DSS-aligned practices so sensitive data never touches your backend.

Can you add subscriptions and recurring billing?

Yes. We build plans, trials, upgrades and recurring auto-debit through eNACH or gateway subscriptions, with retries and dunning so failed payments are recovered automatically.

Do you support UPI and Indian methods?

Yes. UPI, RuPay, net banking, wallets and eNACH are first-class because most Indian customers expect them at checkout.

Can you integrate payments into a mobile app?

Yes. We wire native Android, iOS and Flutter apps to the same secure backend, including Apple Pay and Google Pay where they fit, with server-side verification.

How do you handle failed or disputed payments?

Retry logic, clear failure messaging, webhook-driven status updates and a reconciliation view so finance can match settlements, refunds and chargebacks against orders.

Will customers leave my site to pay?

Not unless you want them to. We can use embedded checkout that keeps users on your page, or hosted checkout for lower compliance scope — we advise based on your goals.

Do you migrate between gateways?

Yes. We run both in parallel, move new transactions first, keep historical records intact and switch fully once webhooks and settlements are verified — with no checkout downtime.

How much do Payment Gateway Integration சேவைகள் cost?

Cost depends on flows — one-time checkout, subscriptions, payouts or multi-currency. After a short call we send a fixed proposal with milestones and out-of-scope items.

Do you provide reconciliation and reporting?

Yes. Settlement reports, refund logs and export-ready summaries so finance can reconcile payouts against orders without manual spreadsheets.

Who owns the integration code?

You do, for paid and delivered milestones — repositories, API key documentation and configuration guides included.

Do you offer ongoing support?

Yes. Retainers cover gateway SDK updates, new payment methods, compliance changes and monitoring so checkout keeps working as providers evolve.

How do we get started?

Share your platform, preferred gateway and payment flows via the contact form or a call. We return with a discovery agenda and a written integration plan.

Customer success

Case study: fixing checkout drop-off for a D2C store

A realistic composite based on patterns we see across ecommerce clients — not a fabricated brand claim.

Problem

A growing D2C brand lost sales at the final step. Payments failed silently, UPI was missing, and finance reconciled settlements by hand every week.

Solution

A Razorpay Integration with embedded checkout, UPI and wallets, signed webhooks for reliable status, and an automated reconciliation report.

Implementation

  • One-week discovery of order flow, refund and payout needs
  • Embedded checkout with UPI, cards, net banking and wallets
  • Webhook verification, retry handling and settlement export

Result & growth

Silent failures disappeared once webhooks became the source of truth. Customers paid the way they preferred, and finance stopped reconciling by hand. The team then added subscriptions for a loyalty plan on the same secure base.

Ready to fix your checkout?

Tell us your platform, preferred gateway and payment flows. Arctovion Tech will reply with a clear integration plan — scope, security and milestones — so you can start collecting payments with confidence.

Request a free consultation
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