San Francisco is the birthplace of modern fintech, home to Stripe, Square, and countless payment innovators. We help businesses build robust payment infrastructure that scales with their growth.
The Payment Processing Challenge
Payments are critical infrastructure—downtime means lost revenue, poor approval rates hurt conversion, and fraud can be devastating. Building reliable payment systems requires deep expertise.
Our Payment Solutions
Payment Gateway
Unified payment acceptance:
- Card processing: Credit, debit, and prepaid cards
- Bank payments: ACH, wire transfers, instant bank pay
- Digital wallets: Apple Pay, Google Pay, PayPal
- Alternative methods: BNPL, crypto, regional methods
Transaction Management
Reliable processing at scale:
- Intelligent routing: Optimize for approval rates and cost
- Retry logic: Recover failed transactions automatically
- Idempotency: Prevent duplicate charges
- Reconciliation: Automated matching and settlement
Fraud Prevention
Protect your business:
- Risk scoring: Real-time transaction risk assessment
- Rules engine: Configurable fraud rules and thresholds
- 3D Secure: Strong customer authentication
- Chargeback management: Dispute handling and prevention
Marketplace Payments
Complex payment flows:
- Split payments: Divide payments among multiple parties
- Escrow: Hold funds until conditions are met
- Instant payouts: Real-time seller payments
- Platform fees: Automatic fee collection
Technical Capabilities
Scalability
- Handle millions of transactions
- Sub-second processing times
- 99.99% uptime SLA
- Global infrastructure
Security
- PCI DSS Level 1 architecture
- Tokenization and encryption
- Secure key management
- Regular penetration testing
Ready to build your payment infrastructure? Contact ZIRA Software to discuss your payment processing needs.