PaymentTech That Prevents Revenue Loss
Build payment processing infrastructure with fraud detection and failover to ensure transactions stay up during peak sales.
👋 Talk to a PaymentTech expert.
Trusted and top rated tech team
Payment infrastructure for revenue protection
Payment technology needs reliable infrastructure to process transactions, prevent fraud, and ensure PCI compliance. We create PaymentTech platforms for high-volume processing, integration with multiple gateways, and real-time transaction monitoring to enhance security and performance.
Our capabilities include:
- Multi-processor failover architecture
- Instant fraud detection
- PCI DSS compliance framework
- High-volume transaction processing
- Global payment method support
- Revenue analytics & reporting
Who we support
We partner with companies where payment failures hurt revenue and customer experience. Whether you’re handling thousands of transactions daily, expanding globally, or needing enterprise-level security, your growth relies on payment infrastructure that won’t hold you back.
E-commerce & Retail Companies
High-volume online stores processing thousands of transactions daily across multiple payment methods and international markets. Payment downtime during peak sales periods or fraud attacks can cost thousands in lost revenue per minute.
SaaS & Subscription Platforms
Recurring billing companies managing subscription payments, trial conversions, and usage-based pricing models. Failed payment retries and involuntary churn directly reduce monthly recurring revenue and customer lifetime value.
Marketplace & Platform Businesses
Multi-sided platforms facilitating payments between buyers and sellers with complex fee structures and payout requirements. Payment processing delays and compliance issues disrupt marketplace operations and vendor relationships.
Ways to engage
We offer a wide range of engagement models to meet our clients’ needs. From hourly consultation to fully managed solutions, our engagement models are designed to be flexible and customizable.
Staff Augmentation
Get access to on-demand product and engineering team talent that gives your company the flexibility to scale up and down as business needs ebb and flow.
Retainer Services
Retainers are perfect for companies that have a fully built product in maintenance mode. We'll give you peace of mind by keeping your software running, secure, and up to date.
Project Engagement
Project-based contracts that can range from small-scale audit and strategy sessions to more intricate replatforming or build from scratch initiatives.
We'll spec out a custom engagement model for you
Invested in creating success and defining new standards
At Curotec, we do more than deliver cutting-edge solutions — we build lasting partnerships. It’s the trust and collaboration we foster with our clients that make CEOs, CTOs, and CMOs consistently choose Curotec as their go-to partner.
Why choose Curotec for PaymentTech
Our approach addresses payment tech challenges—processing delays cost revenue, and security breaches destroy trust. We build PaymentTech platforms with redundant connections and automated fraud monitoring to perform during peak traffic.
1
Extraordinary people, exceptional outcomes
Our outstanding team represents our greatest asset. With business acumen, we translate objectives into solutions. Intellectual agility drives efficient software development problem-solving. Superior communication ensures seamless teamwork integration.
2
Deep technical expertise
We don’t claim to be experts in every framework and language. Instead, we focus on the tech ecosystems in which we excel, selecting engagements that align with our competencies for optimal results. Moreover, we offer pre-developed components and scaffolding to save you time and money.
3
Balancing innovation with practicality
We stay ahead of industry trends and innovations, avoiding the hype of every new technology fad. Focusing on innovations with real commercial potential, we guide you through the ever-changing tech landscape, helping you embrace proven technologies and cutting-edge advancements.
4
Flexibility in our approach
We offer a range of flexible working arrangements to meet your specific needs. Whether you prefer our end-to-end project delivery, embedding our experts within your teams, or consulting and retainer options, we have a solution designed to suit you.
Advanced payment capabilities
Recurring Billing Management
Cross-Border Payment Processing
Split Payment & Settlements
Payment Method Optimization
Chargeback & Dispute Management
Real-Time Payment Monitoring
PaymentTech development and gateway integration
Payment Gateway & Processor Integration
Curotec links PaymentTech platforms to processors, gateways, and financial institutions for reliable transactions.
- Stripe & Square API Integration — Direct connectivity with major payment processors for credit card processing, digital wallet support, and international payment method acceptance
- PayPal & Braintree Connectors — Comprehensive payment gateway integration supporting PayPal, Venmo, Apple Pay, and Google Pay with unified transaction reporting
- Bank & ACH Processing APIs — Direct bank transfer integration with same-day ACH, wire transfers, and account verification for high-value B2B transactions
- Multi-Processor Failover Logic — Intelligent payment routing that automatically switches between processors during downtime or declined transactions to maintain revenue flow
- International Gateway Support — Integration with regional processors like Adyen, Worldpay, and local payment methods for global market expansion
- Cryptocurrency Payment Processing — Bitcoin, Ethereum, and stablecoin acceptance with automatic conversion to fiat currency and regulatory compliance management
Security & PCI Compliance Infrastructure
Our payment security uses tokenization, encryption, and audit controls to meet PCI DSS standards while ensuring fast transactions.
- Payment Card Tokenization — Secure card data replacement with randomly generated tokens that eliminate PCI scope while maintaining transaction functionality and customer experience
- End-to-End Encryption — TLS/SSL implementation with AES-256 encryption for all payment data transmission between customer devices and payment processors
- PCI DSS Compliance Automation — Automated security controls, vulnerability scanning, and audit trail generation that maintain Level 1 PCI compliance certification
- Secure Vault Management — Encrypted customer payment method storage with role-based access controls and automated key rotation for sensitive financial information
- Network Security & Firewall Configuration — Segmented network architecture with intrusion detection, DDoS protection, and real-time security monitoring for payment processing environments
- Audit Logging & Compliance Reporting — Comprehensive transaction logging with automated compliance reports for PCI audits, regulatory requirements, and security assessments
Fraud Detection & Risk Management
We develop live fraud tools that analyze transactions, device information, and behavior to block suspicious payments automatically.
- Machine Learning Fraud Models — AI algorithms analyzing transaction velocity, amount patterns, and geographic anomalies to identify suspicious payment behavior instantly
- Device Fingerprinting & Behavioral Analysis — Advanced device identification and user behavior tracking that detects account takeovers and synthetic identity fraud attempts
- Velocity & Pattern Monitoring — Continuous transaction frequency analysis with customizable rules for spending limits, geographic restrictions, and suspicious activity detection
- Address Verification & CVV Validation — Automated verification tools that cross-reference billing addresses, postal codes, and security codes to prevent card-not-present fraud
- Risk Scoring & Decision Engines — Dynamic risk assessment tools that automatically approve, decline, or flag transactions for manual review based on configurable risk thresholds
- Third-Party Fraud Service Integration — Connection with Kount, Signifyd, and other fraud prevention services for enhanced protection and chargeback guarantee programs
High-Volume Transaction Processing
Curotec architects payment infrastructure with auto-scaling for peak transactions and fast payment processing.
- Auto-Scaling Infrastructure — Cloud-native architecture with automatic resource provisioning that handles traffic spikes during peak sales periods without transaction delays
- Database Enhancement & Sharding — High-performance PostgreSQL and Redis configurations with horizontal scaling for millisecond payment authorization and settlement processing
- Load Balancing & Traffic Distribution — Intelligent request routing across multiple server instances with health monitoring and automatic failover during processor outages
- Message Queue & Async Processing — Reliable transaction queuing using Apache Kafka and RabbitMQ for handling payment backlogs and ensuring zero transaction loss
- Caching & Session Management — In-memory caching for customer profiles, payment methods, and fraud rules to reduce authorization latency and improve user experience
- Performance Monitoring & Tuning — Live metrics tracking with automated performance adjustments and capacity planning for sustained high-volume processing
Recurring Billing & Subscription Management
We build automated billing platforms that handle subscriptions, payment recovery, and revenue recognition for recurring revenue businesses.
- Subscription Lifecycle Automation — Automated billing cycles, plan changes, upgrades, downgrades, and cancellations with prorated charges and credit management
- Failed Payment Recovery & Dunning — Intelligent retry logic with customizable schedules, email notifications, and grace periods to recover failed subscription payments
- Usage-Based Billing Engines — Metered billing calculation for API calls, storage usage, and consumption-based pricing models with real-time usage tracking
- Revenue Recognition & Analytics — Automated revenue reporting with monthly recurring revenue (MRR), annual recurring revenue (ARR), and churn analysis for financial planning
- Trial & Promotional Management — Free trial automation, coupon code processing, and promotional pricing with automatic conversion to paid subscriptions
- Customer Portal & Self-Service — Subscriber management interfaces for plan changes, payment method updates, and billing history access with secure authentication
Analytics & Revenue Intelligence
Curotec’s payment analytics tools offer live monitoring, success rate enhancement, and revenue reporting across multiple payment channels.
- Live Transaction Dashboards — Interactive monitoring interfaces displaying payment volume, success rates, decline reasons, and processor performance with customizable alerts
- Revenue Attribution & Cohort Analysis — Customer lifetime value tracking, revenue segmentation, and cohort performance analysis for strategic business planning
- Payment Method Performance Analytics — Success rate comparison across credit cards, digital wallets, and alternative payment methods with improvement recommendations
- Decline Code Analysis & Enhancement — Automated decline reason categorization with actionable insights for improving authorization rates and reducing false declines
- Chargeback & Dispute Tracking — Comprehensive chargeback analytics with trend analysis, reason code tracking, and prevention strategy recommendations
- Custom Reporting & Data Export — Automated financial reports, regulatory compliance documentation, and data warehouse integration for business intelligence tools
FAQs about our PaymentTech solutions
How do you prevent payment processing downtime?
Multi-processor failover automatically switches between payment gateways during outages. Redundant infrastructure and load balancing ensure transactions continue processing even when individual processors experience issues.
Can you integrate with our existing payment processors?
Yes, we connect with major processors like Stripe, Square, PayPal, and Adyen through direct APIs. Transaction data syncs automatically across platforms for unified reporting and reconciliation.
How do you handle PCI compliance requirements?
We implement tokenization, encryption, and audit controls that meet PCI DSS Level 1 standards. Automated security monitoring and compliance reporting reduce audit burden and certification costs.
What's your approach to fraud prevention?
Machine learning algorithms analyze transaction patterns, device fingerprinting, and behavioral signals in real-time. Suspicious payments are automatically blocked while legitimate transactions flow through without friction.
How do you optimize payment success rates?
Intelligent routing selects the best processor for each transaction. Decline analysis finds optimization opportunities, while failed payment recovery boosts revenue.
Can you handle international payment processing?
Yes, we support global payments, automatic currency conversion, and local processor integration. Compliance frameworks align with regional regulations while ensuring unified transaction reporting.
Ready to have a conversation?
We’re here to discuss how we can partner, sharing our knowledge and experience for your product development needs. Get started driving your business forward.
