Engineering & delivery
Payments that hold up on your busiest day
Compliant payment infrastructure built into your platform, from one-off transactions through to subscription billing that handles the edge cases quietly.
The awkward cases
Anyone can take a payment that works first time
The happy path is an afternoon of work. Everything below is what separates an integration that holds up from one that quietly loses money for six months before anyone notices.
| What happens | A naive integration | How we handle it |
|---|---|---|
| Card issuer requires 3-D Secure | Payment fails silently and the customer leaves | Challenge presented inline, then the original basket is restored on return |
| Soft decline from the issuer | Treated as a hard failure, sale lost | Automatic retry on a schedule that does not trip fraud rules |
| Customer pays twice on a slow connection | Two charges, one angry email | Idempotency keys, so the second attempt returns the first result |
| Webhook arrives before the order is written | Order marked unpaid despite money taken | Events queued and replayed until the order exists |
| Subscription card expires mid-term | Silent cancellation and churn you never see | Dunning sequence with retries and a notice before access ends |
| Partial refund on a multi-item order | Manual adjustment in the gateway dashboard | Refund mapped back to line items, so reconciliation still balances |
| Chargeback raised weeks later | Found during month-end, evidence already lost | Evidence assembled automatically and the order flagged at the time |
None of this is exotic. It is the list you build up after shipping payment systems and being called about them afterwards. If a supplier cannot talk through this table with you, they have not run one in production for long.
What we do
Payment capabilities
Gateway integration
Stripe, Adyen, Braintree and others, integrated so the money and your records agree.
Subscription billing
Renewals, upgrades, pauses, proration and dunning. The parts that get built last and break first.
Multi-currency
International pricing, settlement and the tax treatment that follows it.
Compliance
SCA, PCI scope kept as small as possible, and audit trails that hold up.
Reconciliation
Payouts matched against orders automatically, so finance is not exporting CSVs every month.
Flow optimisation
Retries, fallbacks and wallet support, so a soft decline does not end as a lost sale.
How we work
Unhappy paths first
Most payment problems are not bugs in taking money. They are gaps in what happens when taking money does not go to plan.
See how we optimise the checkout around it- 01
Map the money
Every state a payment can be in, and who is responsible at each one. Before any code.
- 02
Keep PCI scope small
Card data should never touch your servers. The cheapest compliance is the kind you avoid needing.
- 03
Build the unhappy paths first
Declines, retries, partial refunds and webhook races. The happy path is the easy part.
- 04
Reconcile automatically
If finance has to check it by hand, it will eventually not get checked.
- 05
Test with real failure
Forced declines, delayed webhooks and duplicate submissions, in staging, before launch.