Minimal PCI scope
Card fields are hosted by the provider and tokenised in the browser, so sensitive data never reaches your servers and audits stay light.
Payments
Payment solutions and integration
Bring your payment providers together into one reliable flow. We build checkout, billing, payout and reconciliation systems that take money safely, settle it cleanly and keep your compliance scope small.
2 to 4%of revenue often recovered through smarter retries and routing
SAQ APCI scope for a typical Spykra integration
Under 1 dayto reconcile settlements that used to take a week
Multi PSProuting with automatic failover between providers
Payments are infrastructure
The gap between taking a payment and trusting your numbers is where money leaks
A single provider is simple until it has an outage, raises fees or declines cards it should approve. Reconciliation by spreadsheet is fine until volume grows and a mismatch takes days to find. Subscription logic looks easy until you handle proration, dunning and tax.
We build the layer between your business and the payment world: one internal model of a payment, provider connections behind it, and clear records that tie every charge, refund, fee and payout back to an order.
The result is fewer failed payments, faster closing of the books, and the freedom to add or switch providers without touching the rest of your systems.
Orchestration
Route each payment to the provider most likely to approve it
A payment orchestration layer sits in front of your providers. It picks a route based on card type, country, amount and current provider health, and it retries a decline through a second provider when that makes sense.
You get one integration to maintain, one webhook format to handle and the ability to move volume between providers for cost, approval rate or redundancy.
- Rules based routing by BIN, currency, method and value
- Automatic failover when a provider degrades
- Smart retry of soft declines with network tokens
- One normalised event stream for all providers
01Routing inputs
- Card data
- BIN, brand, issuer country, token status
- Context
- Amount, currency, customer history
- Provider health
- Live approval rate, latency, incidents
- Cost
- Interchange, scheme and provider fees
Billing
Subscriptions and invoicing that handle the awkward cases
Plans, add ons, usage based charges, mid cycle changes, trials, discounts and tax. We build billing that calculates the right amount every time and explains itself on the invoice.
Failed renewals go through a dunning process with retries on sensible dates, card update prompts and clear messaging, so involuntary churn drops.
- Proration and credit for upgrades and downgrades
- Metered and tiered usage billing
- Dunning with configurable retry schedule
- Tax with Avalara, Stripe Tax or your own rules
02Billing engine
- Plans
- Fixed, tiered, metered, hybrid
- Changes
- Proration, scheduled, immediate
- Recovery
- Retry calendar, card updater, reminders
- Output
- Branded invoices, credit notes, receipts
Payouts and reconciliation
Know exactly what settled and to whom
For marketplaces and platforms we build split payments and scheduled payouts to sellers, with balances, holds and statements each party can see.
Every settlement file from every provider is imported and matched against your orders automatically. Exceptions are flagged for review instead of hiding in a total that almost balances.
- Split payments and delayed capture for marketplaces
- Scheduled seller payouts with statements
- Automatic matching of settlements to orders and fees
- Exports for Xero, NetSuite and your finance team
03Reconciliation flow
- Ingest
- Settlement files and payout reports, daily
- Match
- Charge, refund, fee, chargeback to order
- Exceptions
- Queued with reason and suggested fix
- Close
- Signed off summary posted to finance
Controls built into every payment system
Money movement needs guard rails. These are standard in what we deliver.
Strong customer authentication
Full 3D Secure 2 support with exemptions applied where allowed, so genuine customers face a challenge only when they must.
Fraud screening
Provider risk scoring combined with velocity checks, address verification and manual review queues for edge cases.
Idempotent and auditable
Every operation is safe to retry, every state change is logged, and each payment can be traced end to end.
Monitoring and alerts
Dashboards for approval rate, latency and settlement lag, with alerts when a provider or a route starts to slip.
Chargeback handling
Dispute evidence gathered automatically and submitted on time, with reporting on reasons and win rate.
Where this fits
Payment work rarely stands alone. These are the situations that bring clients to us.
Retail and subscription brands
Higher approval rates, wallet support and recovery of failed renewals across one or many storefronts.
Marketplaces and platforms
Onboarding sellers, holding funds, splitting payments and paying out on schedule with clear statements.
SaaS and digital products
Usage billing, self serve plan changes, tax handling and revenue reporting your finance team trusts.
Regulated and high value
Additional verification, audit trails and reconciliation rigour for sectors where every penny must be accounted for.
Membership and giving
Recurring contributions, Gift Aid style declarations, card updater and donor receipts.
Field and in person
Pay by link, saved cards and terminal integration for teams that take payment away from a desk.
How we deliver payment work
Careful, staged and reversible. Money systems are not the place for a big bang.
Model and assess
We document how money moves through your business today, the providers involved and the compliance obligations, then design the target model.
Build the core
One internal payment model, the first provider connection, tokenised card capture and a normalised event stream, all covered by tests.
Add routes and rules
Second provider, routing and retry logic, billing or payout features, and reconciliation against real settlement data.
Cut over safely
Run old and new in parallel, move traffic in stages, watch approval and settlement metrics, and keep a clear path back at each step.
Providers and tools we work with
Gateways and PSPs
StripeAdyenBraintreeCheckout.comWorldpayGoCardless
Billing and tax
Stripe BillingRecurlyChargebeeStripe TaxAvalara
Risk and ops
RadarSiftRavelin3DS2Network tokensKount
Questions about payments
Will adding orchestration slow down checkout?
No. The routing decision takes a few milliseconds and happens server side. Customers see the same fast checkout, and approval rates usually improve because declines can be retried through a second provider.
Do we have to leave our current provider?
Not at all. Many clients keep their main provider and add a second one for redundancy and cost comparison. The orchestration layer means switching or adding providers later is a configuration change, not a rebuild.
How do you keep our PCI scope small?
Card details are entered into fields hosted by the payment provider and converted to a token in the browser. Your servers only ever handle the token, which keeps you in the simplest self assessment category.
Can you fix our reconciliation problem specifically?
Yes, and it is one of the most common reasons clients call. We import every settlement and payout file, match each line to an order, fee or refund, and surface only the exceptions. Month end goes from days to hours.
Do you support Open Banking and account to account payments?
Yes. We integrate pay by bank flows alongside cards, which can cut fees significantly for higher value transactions while keeping cards available for customers who prefer them.
Bring us your payment stack
Tell us which providers you use and where the friction is. We will map a cleaner flow and the compliance picture that comes with it.
Start a project Spykra Technologies UK Ltd, London and Mumbai.