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Payment processing & ledger software development

The money movement under your product (authorization, capture, settlement, and the ledger that tracks every cent) is unforgiving work where small errors compound into reconciliation nightmares. We build processing and ledger systems with double-entry accounting at the core, so funds, fees, and balances always tie out. This is the plumbing that lets your finance and ops teams trust the numbers.

What we build

Authorization, capture, void, and refund flows across your processors
Settlement and merchant funding logic with accurate fee and reserve handling
Double-entry ledger that records every movement immutably
Reconciliation to the cent against processor and bank statements
Reporting and statements your finance and ops teams can rely on
Dispute and chargeback handling, including representment workflows
Why payments-native matters

A ledger that does not reconcile to the cent is a liability, not a feature. Our engineers understand settlement timing, fee structures, and scheme rules already, so the system balances correctly from the first transaction instead of after months of patching.

Related services

Most engagements combine a few of these. Here is what pairs well.

Let's scope your payments build.

Book a discovery call with engineers who already speak gateways, processing, settlement, and compliance. We'll talk through your goals and the right way to build it.