Conversion-tuned checkout
Fewer steps, more methods, costs shown early — recover abandoned carts.
PAYMENTS
Take payments cleanly — fewer drop-offs, less fraud.
Custom payment flows and gateway integrations — checkout, subscriptions, marketplace payouts, and the retry, routing, and fraud logic that protects revenue — wired into your product on proven processors like Stripe.
Conversion-tuned checkoutSmart retry & dunningFraud & 3DSMarketplace payoutsPCI-conscious
checkout
multi-method
authorize
fraud screen
recover
retryroute
settle
payouts
reconcile
low chargebacks
§ 01
What a payment flow really has to do
We build custom payment flows and gateway integrations — checkout, subscriptions, marketplace payouts, and the retry, routing, and fraud logic that protects revenue — wired into your product rather than bolted on.
Taking a card is easy; keeping the revenue is the hard part. A real payment flow has to convert at checkout, handle failed payments intelligently (retry soft declines, route around issues), support the methods customers expect, and keep fraud and chargebacks under control. We don’t build a card network — we integrate the right processors (Stripe and others) and build the flow and logic around them so money comes in and stays in.
Aspect
Custom flow
Generic gateway
Checkout
Conversion-tuned, multi-method, embedded
Generic redirect page
Failed payments
Smart retry, routing, dunning
Hard fail, lost revenue
Fraud
Screening tuned to your risk
One-size rules
Marketplace
Split payments & payouts
Not supported
Fit
Wired into your product
Bolt-on
§ 02
Where revenue leaks at checkout
The average cart abandonment rate is ~70%, and 48% of shoppers abandon over unexpected costs surfaced late — leaving an estimated $260B recoverable in the US alone (Baymard, 2026). On the back end, 76% of organizations faced payment fraud last year and global chargebacks are climbing past 337M (AFP, 2026). Every percentage point of failed or fraudulent payment is margin.
We build the checkout and recovery logic that closes those leaks.
~70%
average cart abandonment rate across industries
48%
abandon over unexpected costs shown late at checkout
76%
of organizations faced payment fraud last year
$260B
in recoverable checkout revenue in the US alone
§ 03
From checkout to settled
The loop: present a frictionless, multi-method checkout, authorize, handle declines intelligently (retry, route, recover), settle, and reconcile — with fraud screening throughout. We model it around your products (one-off, subscription, marketplace) and your risk tolerance.
Where it's repetitive — retries, dunning, payouts — we wire in automation; where judgment helps, we add AI for fraud and exception handling. For recurring revenue this pairs with billing automation.
CheckoutFrictionless, multi-method
AuthorizeWith fraud screening
RecoverRetry soft declines, route
SettleFunds in, payouts out
ReconcileClean books, low chargebacks
§ 04
How we build payment flows
We start from your business model and the moments money moves, then build the checkout, processor integration, decline/retry logic, and reconciliation. A typical build pairs a fast, conversion-optimized checkout with a backend handling authorization, webhooks, retries, payouts, and fraud screening — PCI-conscious by design. AI-assisted, it ships in weeks.
1
Map money moments
week 1Where money moves — checkout, subscriptions, marketplace payouts — and your risk tolerance.
2
Checkout & processor
weeks 1–3Conversion-optimized checkout integrated with Stripe and other processors.
3
Decline & retry logic
weeks 2–4Soft/hard decline handling, retries, routing, and dunning that recovers revenue.
4
Fraud & payouts
weeks 3–5Fraud screening, 3DS, and marketplace split payments/payouts.
5
Reconcile & hand off
weeks 4–6Reconciliation, PCI-conscious hardening — then it’s yours.
Total4–6 weeksmap → hand off
Subscription billing
Recurring charges with dunning that recovers failed payments.
Marketplace payments
Split a payment and pay out providers on schedule.
Fraud & chargeback control
Screening and 3DS that keep chargebacks under the 1% penalty line.
§ 05
Methods, marketplaces, and payouts
Modern checkouts need 4+ payment methods to minimize abandonment, and BNPL can cut it further on high-value orders. We build the methods your customers want, and for two-sided businesses we handle split payments and provider payouts — the kind of marketplace money movement behind platforms we’ve built. Money in, money out, reconciled.
§ Frequently asked
Common questions.
No — and you shouldn’t. We integrate proven processors (Stripe and others) and build the checkout flow, decline/retry logic, fraud handling, and reconciliation around them, so you get a payment experience tuned to your product without rebuilding a card network.
Frictionless, mobile-first checkout, transparent costs shown early, multiple payment methods (cards, wallets, BNPL), and as few steps as possible. With ~70% average abandonment, checkout UX is one of the highest-ROI things to get right.
We distinguish soft declines (retry intelligently) from hard declines, route and recover where possible, and automate dunning for subscriptions — recovering revenue that would otherwise silently churn.
Fraud screening, 3DS where appropriate, and risk rules tuned to your tolerance, keeping chargebacks below the 1% threshold that triggers network penalties. We add AI for anomaly detection on higher-risk flows.
Yes — recurring charges, plan changes, proration, and dunning. For full invoicing and accounting reconciliation we pair it with our billing-automation work.
Yes — splitting a payment between the platform and providers and paying out on schedule is a common build for two-sided businesses.
We architect to keep card data out of your systems (using the processor’s tokenization/hosted fields), which dramatically reduces PCI scope, and build the flow PCI-consciously throughout.
Because the build is AI-assisted, payment flows ship in weeks. Scope — methods, subscriptions, marketplace payouts, fraud needs — drives cost. Get an AI estimate or book a call and we’ll scope it.
Ready to ship?
Let's build what you can't buy. Custom software, shipped fast.
Talk to an AI for a 60-second scope, or book a 30-min call with the founder.