How is PCI DSS scope reduced?

Card data is never stored on your servers. Card details are collected directly in the payment provider's hosted fields or SDK (client-side) and tokenized. Your backend receives only a token ID. This removes your system from the PCI cardholder data environment.

How are chargebacks managed?

When a chargeback is filed, the system creates a dispute case with the reason code and due date. It automatically gathers evidence from order data (delivery confirmation, terms acceptance). The merchant reviews, adds additional evidence, and submits via the provider's dispute API before the deadline.

How do marketplace payouts work?

Seller balances accumulate from completed transactions minus the platform commission. Based on the configured payout schedule (daily, weekly, or manual), the platform initiates payouts to each seller's connected bank account via the payment provider's payout API.

Finance & Banking

Build a Payment Gateway Integration Platform with AI - in Hours

ProjectCode generates a complete, production-ready Payment Gateway Integration Platform from a single natural language prompt. In hours instead of months, you get a React frontend, NestJS REST API, PostgreSQL database, and authentication - fully integrated, live-previewed, and deployed to a URL you own.

Estimated build time: 2–4 hours

Build my Payment Gateway now View pricing

Free to start · No credit card required

The Challenge

Why building a Payment Gateway from scratch is hard

Building a Payment Gateway Integration Platform from scratch requires months of development time and significant engineering resources. Teams struggle to coordinate frontend, backend, database, and authentication while managing payment gateway-specific business logic, integrations, and role-based access rules.

What's Included

Everything your Payment Gateway needs

ProjectCode generates a production-ready Payment Gateway with all the modules your team needs from day one.

Multi-provider payment routing (Stripe, Razorpay, PayPal, Braintree)

Smart routing: cheapest or fastest provider per transaction

Card tokenization and PCI DSS scope reduction

Refund and chargeback management workflow

Fraud detection with rule-based scoring and ML signals

Webhook management with retry and replay

Payout scheduling for marketplace seller settlements

Payment analytics: success rate, decline reasons, processor fees

Architecture

How it's built

The generated Payment Gateway follows production-grade architecture patterns.

React 18 + TypeScript frontend with role-based dashboards tailored for payment gateway workflows

NestJS REST API with dedicated payment gateway modules, DTOs, validators, and service layer

PostgreSQL relational schema with normalized tables for all payment gateway entities

JWT + Google OAuth authentication with granular permission gates per role

Real-time Socket.IO events for live payment gateway status updates and notifications

Managed hosting with one-click deploy, custom domain, and auto-SSL

Database

PostgreSQL schema designed for Payment Gateway

ProjectCode generates a normalized, indexed PostgreSQL schema with the right tables and relationships for your use case. You own the schema and can evolve it freely.

transactions (id, merchant_id, order_id, amount, currency, provider, provider_txn_id, status, payment_method jsonb, created_at, settled_at, fee, net)
refunds (id, transaction_id, amount, reason, status, provider_refund_id, created_at, completed_at)
chargebacks (id, transaction_id, amount, reason_code, due_date, evidence_submitted, status, created_at)
webhooks (id, merchant_id, url, events jsonb, secret, is_active, last_triggered_at, failure_count)

schema.sql (preview)

-- Generated by ProjectCode
-- Payment Gateway Integration Platform schema

CREATE TABLE transactions__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

CREATE TABLE refunds__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

CREATE TABLE chargebacks__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

CREATE TABLE webhooks__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

Tech Stack

Production-ready from day one

Every generated app uses a battle-tested stack you can deploy anywhere and own completely.

Frontend

React 18 + TypeScript + Tailwind CSS

Backend

NestJS 10 + Node.js + TypeScript

Database

PostgreSQL (managed or Supabase)

Auth

Email OTP · Google OAuth · GitHub OAuth

Deployment

Managed hosting · Custom domain · Auto-SSL

AI Models

Claude Sonnet · Claude Opus · Kimi

Try It Now

Example prompt to get started

Copy this prompt into ProjectCode and get a working app in minutes.

ProjectCode prompt

Build a payment gateway abstraction layer for a marketplace with $100M GMV. Include multi-provider routing that sends high-value transactions to Stripe and domestic transactions to Razorpay (based on rules), card tokenization for saved payment methods, a refund workflow with single-click refund and status tracking, chargeback evidence management with auto-response from order data, a fraud scoring engine that scores each transaction and blocks high-risk ones, webhook delivery to merchant backends with retry and replay, marketplace seller payouts with configurable settlement schedules, and a transactions dashboard with success rate, decline analysis, and provider fee comparison.

Build this now - it's free

Deployment

Deploy your Payment Gateway anywhere

Managed hosting

One-click deploy to a live URL managed by ProjectCode.

Custom domain

Connect your own domain with auto-provisioned SSL via Cloudflare.

GitHub export

Push to your GitHub repo and self-host or deploy via Vercel, Railway, or AWS.

Docker ready

Export a Dockerfile and docker-compose for any containerized environment.

Pricing

Start free, scale as you grow

No per-seat fees. No vendor lock-in. Token-based pricing that scales with your usage.

Free

Start building your first app. Live preview, managed hosting, and full code export included.

Token Packs

From $5

Purchase token packs that roll over every month. Build more, pay only for what you use.

Enterprise

Custom

Custom models, SLA, SSO, and private cloud deployment for large teams.

See full pricing details

FAQ

Common questions about building a Payment Gateway

Smart routing evaluates each transaction against configured rules (currency, amount, payment method, customer location) and selects the optimal payment provider based on success rate, cost, or speed. Failover rules automatically retry on an alternate provider if the first provider declines or is unavailable.

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Build your Payment Gateway in hours, not months

Start free. No credit card. Your first app is live in minutes.

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