Electronic payment platform · engineering partner
Electronic payment processing software,
engineered as a system you own.
TrustChange builds electronic payment processing software for EU-facing PSPs, EMIs, neobanks, marketplaces and merchants. We engineer the gateway, the double-entry ledger, the PSD2-aware auth layer, the reconciliation engine and the compliance controls as bespoke code under your brand — not a SaaS licence with a per-transaction fee. You get a payment platform your engineers can extend, your operators can run and your auditor can read.
- EU-based engineers
- PSD2-aware delivery
- PCI DSS scope kept small
- AML & Travel Rule aware
- GDPR-aware storage
What "electronic payment processing software" means here
A payment platform that fits your rails, not a generic SaaS
Most searches for electronic payment processing software surface multi-tenant SaaS gateways with a fixed rail mix and a per-transaction fee. We work the other way. TrustChange is an electronic payment processing software engineering partner: your rails, your rules, your ledger, your merchants, your code. What you buy is engineering — a platform shaped against the reality of your close cycle.
Deciding whether to build, wrap or replace an incumbent? Start with CTO advisory. The wider view lives on payment gateway engineering.
Subsystems
Three subsystems inside every electronic payment platform we build
An electronic payment platform is not one service. It is a gateway, a ledger and a controls layer that must agree on every cent. We build the three together, on one plan, with one team accountable end to end.
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01
Gateway & router
The ingress your merchants and internal products call: hosted fields, server APIs, webhooks, SDKs — all behind one router that picks the cheapest working path and fails over on issue.
- Hosted fields + tokens
- Rule-based routing
- Provider failover
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02
Ledger & settlement
The double-entry ledger that every rail writes into. Idempotent postings, netted settlement to merchants, and daily reconciliation against provider files.
- Double-entry postings
- Merchant payout engine
- Daily reconciliation
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03
Controls & audit
PSD2-aware auth, sanctions and risk screening, chargeback and refund handling, and a tamper-evident audit log finance and reviewers read from.
- SCA + exemption logic
- Sanctions & risk screening
- Tamper-evident audit log
Rails
Rails our electronic payment processing software wires in
Every market wants a different way to pay. The router hides that from your product team — one integration, many methods, one ledger behind them all.
Fiat-to-crypto legs live on on- and off-ramp integration. Cash-out flows in depth: crypto off-ramp integration.
| Rail | What we build |
|---|---|
| Card acquiring | Tokenised card capture with 3-D Secure step-up and exemption logic PCI DSS scope kept small by design; PANs never touch your servers. |
| SEPA & SEPA Instant | Bank file and API rails with mandate management and payout batching R-messages, returns and refunds handled in code, not by email. |
| Open banking (PIS/AIS) | PSD2 consent flows with AISP/PISP partner integrations Consent state is stored, versioned and reviewable — never guessed. |
| E-wallets & local methods | Wallet, bank-redirect and account-to-account methods per market New methods plug into the same router without touching the ledger. |
| On-chain pay-in / pay-out | Deposit sweeps and withdrawals with confirmation policy and Travel Rule Signed transfers post to the same ledger as fiat legs. |
| Cash-out payouts | Fiat and on-chain payout with quorum approval and allow-lists Every payout carries a signed approval trail. |
Stack
Eight layers behind electronic payment processing software
Every layer names an owner, a control and a piece of audit evidence — nothing is left implied under the "payment processing" label.
| Layer | What we build |
|---|---|
| Ingress | Hosted fields, server API, SDKs, webhooks and merchant onboarding One shape across rails; new merchants ship in a signed self-serve flow. |
| Routing | Rule-based router with cost, geo and health-based path selection A slow or broken provider fails over on its own — merchants see one URL. |
| Risk & fraud | Pre-authorisation checks: velocity, device fingerprint, sanctions, wallet risk Bad transactions are stopped before capture, not after settlement. |
| Auth & tokenisation | PSD2-aware SCA with exemption logic and PCI-scope-minimising tokens Card data lives in the vault; your product touches tokens only. |
| Ledger | Double-entry, event-sourced, idempotent postings across all rails Retries never mint money twice; every entry carries a source id. |
| Reconciliation & payout | Daily file and API match, break workflow, netted payouts to merchants Finance closes the day from one source of truth, not five vendor reports. |
| Compliance controls | AML rules, Travel Rule for crypto legs, GDPR-aware storage, retention rules per class Rules run inside the flow; every decision is auditable. |
| Runtime & delivery | EU-hosted, CI/CD pipelines, observability, 24/7 on-call cover Your identity provider, your data regions, your access rules. |
Wider platform view: fintech infrastructure. Delivery patterns: how we deliver. Rule mapping: compliance engineering.
Transaction path
From tap to a settled ledger entry
Every payment in the electronic payment platform goes through the same gates before a posting is written. Speed comes from tuning the pipeline, not from skipping a step or trusting the caller.
- 01
Ingress
Real time
A customer or merchant sends a payment; hosted fields tokenise sensitive data before it reaches your services.
- 02
Risk
Sub-second
Velocity, device, sanctions and wallet-risk checks decide whether to authorise; verdicts are stored with the request.
- 03
Auth
Sub-second
PSD2-aware SCA runs where required; exemptions apply per policy; the acquirer or bank returns an auth result.
- 04
Capture
Immediate to T+0
Funds are captured and a double-entry posting hits the ledger with the source id and rule version.
- 05
Settle
T+0 to T+1
Provider files reconcile against the ledger; breaks open cases; merchant payouts net and go out on schedule.
- 06
Report
Daily
Close pack, exceptions report and export bundles publish to finance, ops and the auditor bundle.
Delivery
How we deliver electronic payment processing software projects
Five steps, in this order. Regulated payment work runs inside the product backlog — no separate compliance phase bolted on before launch, no big-bang release of an untested electronic payment platform.
Reconciliation depth: payment ledger & reconciliation development. AML tooling: AML case management software development.
- 01
Scoping
Weeks 1–2
We map rails, current providers, merchant segments, licence context and control expectations. Output: a scope, a control map and a costed plan.
- 02
Architecture
Weeks 3–4
Router topology, ledger schema, adapter contracts and reconciliation rules written down first. Regulatory constraints shape the design.
- 03
Build
Two-week sprints
Gateway, router, ledger, reconciliation and payout ship in slices. Each merge runs tests, static checks and a dependency scan.
- 04
Hardening
Before cut-over
Replay against historical volume, load work, failure drills and a third-party pen-test window. Cut-over is rehearsed with your finance team.
- 05
Launch and run
Cut-over + ongoing
Named engineers on 24/7 cover. Runbooks, dashboards and the audit bundle are handed to your team on day one.
Engagement
Four ways to buy your electronic payment platform build
Same engineers, same standard. Only the commercial shape changes.
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Fixed-scope build
A defined gateway and ledger at a fixed price and date. Best when rails and merchants are settled.
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Dedicated team
A standing squad with a lead. Best for long roadmaps and new rails each quarter.
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Staff augmentation
Senior engineers inside your team. Best when you already own the plan and need payment depth.
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CTO advisory
Architecture and buy-vs-build review before you commit. Best at the design stage.
Questions
FAQ: electronic payment processing software
Six answers up front on scope, off-the-shelf trade-offs, supported rails, PSD2/PCI DSS/AML/GDPR, incumbent-wrap patterns and ongoing support. Bring the rest to the call.
What does electronic payment processing software from TrustChange actually cover?
We engineer a bespoke, client-owned platform end to end: the gateway and router, the double-entry ledger and settlement engine, the PSD2-aware auth and tokenisation layer, the risk and compliance controls, and the reconciliation and payout workflow. It ships as source code in your repositories, with the IP assigned to you. There is no per-transaction fee, no shared multi-tenant backend and no vendor gate between you and your merchants.
How is your build different from an off-the-shelf electronic payment processing product?
Off-the-shelf products bundle a generic mix of rails and hand you a licence with a per-transaction fee. TrustChange engineers the router, the ledger, the risk stack and the reconciliation against your actual rails, licence context and merchant profile. A bespoke build takes longer up front, but you keep every line of code, every rule and every posting decision, and you avoid the roadmap lock-in that comes with a packaged tool.
Which payment rails does the platform support?
Card acquiring, SEPA and SEPA Instant, PSD2 open banking (PIS/AIS), local e-wallets and bank-redirect methods, plus on-chain pay-in and pay-out for operators that need crypto legs. All rails write into one double-entry ledger, so finance reads one report instead of five, and adding a new method later is a router adapter rather than a rebuild.
How are PSD2, PCI DSS scope, AML/Travel Rule and GDPR handled?
TrustChange is an engineering partner, not a law firm — your compliance team and MLRO set the policy, we ship the controls and the evidence. That means PSD2-aware SCA with exemption logic, PCI DSS scope kept small by tokenisation and hosted fields, sanctions and wallet-risk screening in flow, Travel Rule data on any crypto legs, and GDPR-aware storage with data mapping and retention rules. Nothing about licences, opinions or supervisor approvals is claimed on your behalf.
How does the platform fit with our existing gateway or provider mix?
Most engagements start by wrapping the current gateways and providers in the router so nothing in production changes on day one, then swap or add rails as the roadmap allows. That keeps working revenue live while the new electronic payment processing software takes shape underneath, and it lets you migrate merchants segment by segment rather than in a single risky cut-over.
Do you also run the electronic payment platform after launch, or hand it over?
Both are on the table. Most clients start with named TrustChange engineers on 24/7 cover during the first close cycles while their own team ramps up, then take the platform in-house with runbooks, dashboards and an on-call handover we author together. Some keep us on as a dedicated development team or on staff augmentation for new-rail, reconciliation and control roadmap work.
Book a discovery call for electronic payment processing software
Bring your rails, your current providers, your merchant profile and where the pain sits — silent duplicates, aged breaks, missed SCA, stuck payouts. We come back with a control map, an architecture view and a costed plan. No demo theatre.