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How to create a payment gateway
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How to create a payment gateway

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Any business that sells products or services online or allows customers to replenish accounts within the service needs a reliable payment processing partner. Sure, this is not a problem, and the solution exists – companies can entrust their online payment processing to a payment gateway.

We've explained what a payment gateway is and why businesses need it in our previous articles. Now let's dig into the matter of utilising a ready-made solution or building your own one.

Why create your payment gateway?

If a business does not have a large turnover and uses a limited set of payment methods – for instance, only bank cards, then setting up payment acceptance is quite simple. Difficulties may arise along with scaling – when the number of transactions and payment methods grows, and there is a need to accept international payments. The larger the scale, the more nuances and tasks need to be addressed. And they may not be evident at first glance. That situation may give business owners an impulse to think of the question – how to create a payment gateway?

Who may need a custom gateway?

  • Large companies with high turnover;
  • Those who want to be independent of third-party providers;
  • Scaling payment providers;
  • IT companies that want to act as a PSP;
  • Acquiring banks aiming to improve their front-end solution.

To create or not to create: pros & cons of opting for a custom payment gateway


  • Lower fees. While utilising a ready-made solution, each transaction is liable for specific commissions. Having your own payment gateway will relieve this burden from you and reduce payment processing costs.
  • Custom features. Developing a custom solution for your payment processing allows you to add any features according to your specific business needs.
  • Additional source of income. You can become a payment service provider for other merchants by owning a payment gateway. Charging them with registration and transaction fees will provide you with additional revenue.


  • Development time. Although a custom gateway provides lots of benefits in the long run, it requires many resources. Before you start using your solution, you'll have to spend many months on preparations, development, testing, and a lifetime on maintenance of the product.
  • Compliance costs. Processing payments via your payment gateway requires complying with the PCI DSS. The procedure of receiving a certificate is quite long and cost-expensive, but this compliance is strictly required.

Creating your own a payment gateway in 5 steps

When it comes to architecting a payment gateway, the process comprises the four main parts:

Here are the steps to becoming a payment provider:

Step 1. Infrastructure

It's possible to host your solution on a third-party server or prepare your own one. If you opt for the latter, you'll be totally your own boss but with the need to reaffirm your PCI DSS compliance annually. In case you want to utilise a third-party server, you may opt for AWS.

Step 2. Integration & development

After unfolding the infrastructure, you'll need to establish connections with acquiring banks, processors, and other gateways. To do this, you'll need their API documentation with instructions. Then comes the time to develop an external API for your solution to interact with others. Having many partners in the payments industry is required to be a competitive payment gateway.

Step 3. CRM system

This powerful tool will help you monitor all the necessary metrics and make more informed decisions about your business performance and development.

Step 4. Tokenisation

This is an essential step for secure payment processing and dealing with sensitive payment data. With tokenisation, merchants get rid of storing credit card data – it is stored on a gateway's side. It also allows for convenient and secure recurring charges, for the payment details are stored as a token.

Step 5. PCI DSS compliance

Dealing with online payments requires strict compliance with modern industry standards, and PCI DSS is one of them. To get the certificate of PCI DSS compliance, you should undergo the PCI audit. This is a costly procedure, and audits are required annually.

How to create a payment gateway and make it competitive?

Given the high level of competition in the payment market, your solution must be scalable and comprise a range of features to fulfil clients' needs. These tips will give you a hint on how to maintain the competence:

  • Provide a range of connections with different payment processors to attract more merchants.
  • Allow for flexible customisation to be attractive for various online businesses.
  • Ensure reliable customer support to help clients solve even minor issues in a snap.

When creating your payment gateway, you need to be prepared for high costs. It isn't easy to name the exact price, for it depends on a range of factors, but it can reach hundreds of thousands of euros. This price includes the cost of the development and support team salaries, obtaining a certificate of PSI DSS, documentation, office equipment, etc.

At Corefy, we offer the white label payment provider solution that allows you to get started within a shorter time and with fewer costs – about a salary of 1 developer only. We have developed this holistic solution to enable you to accept payments, make payouts hassle-free, and concentrate on your business performance and development. We also provide full support and maintenance for you not to dive into the technical details. Do you want to see how it works with your very eyes? It's easy – book a live demo.

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