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How to Create a Building Payment Gateway for Your Company


Why do you need to develop a payment gateway? First, you need a payment gateway so that you will be able to accept credit card payments on your company website. Furthermore, accepting online payments enables customers to buy online goods and services using any payment method conveniently.

Perhaps you are convinced that building a payment system is essential for your company’s growth and helps you better serve your customers; then this article is for you. This article will describe how to create a payment gateway for your company. Feel free to read about everything you need to know on building payment gateway according to EPAM Anywhere Business.

How to create a payment gateway for your company

Many company owners have little or no knowledge about how to build a payment system. Similarly, many do not understand what payment gateway technology is. If you are in this category, here is a guide on everything you need to know about payment gateways and the steps to create a secure payment gateway for your company.

Set up an infrastructure

The first step of building a payment system is setting up a payment gateway infrastructure, which involves hosting your gateway. Hosting your gateway can either be with a third-party server, or you can prepare your server if your goal is to start your own payment gateway.

If you decide to prepare the server independently, you have total control over transaction data. However, you must maintain the data center and do a Payment Card Industry (PCI) audit annually. The PCI audit is essential because it examines the security of your company’s credit card processing system from beginning to end.

Integration with processors

After setting up an infrastructure, the next thing is integration with single or multiple processors. Perhaps you are asking why you need a payment processor to develop a payment gateway. A payment processor would be best to process all your online transactions.

There are two options available to choose from: move users to a payment provider’s designated external checkout page or obtain API documentation to create an internal checkout page. Furthermore, knowing that the more payment processors you integrate, the more opportunities you give your customers.

Develop a CRM system

A Customer Relationship Management (CRM) system Is required to keep customer data, manage transactions, and control managers. CRM is the major tool you need to manage new and existing customers if you want to build your own payment gateway. CRM will also help you to avoid many mistakes through smart forecasting.

Implement tokenization

Tokenization involves interchanging payment card numbers with a token, which is the most effective way to secure users’ financial information during transactions. Tokenization is that extra layer of security that allows customers to complete payments without exposure.

When building a payment system, you must implement tokenization, especially if you intend to run the gateway on your server. However, a third-party provider will be responsible if you decide not to prepare your server.

Acquire EMV 3DS certificate

Do you want to create a secure payment gateway? Then, you must acquire an EMV 3DS certificate. EMV 3DS involves using three domains to secure all the financial activities on your payment system. EMV 3DS is usually defined by TLS (Transport Layer Security) or SSL (Secure Sockets Layer). TLS or SSL helps you encrypt sensitive information that goes through your company website and ensures that this information is only accessible to the intended recipient.

Apply for PCI

With the exponential growth of tech-savvy fraudsters nowadays, you cannot overprotect your customers. To create a secure payment gateway, you must apply for PCI DDS, even though it is time-consuming. In addition, you must order a PCI audit at least once a year. You don’t want to mind the cost!


This article has discussed how to make a payment gateway for your company. Therefore, we can deduce that building a payment system for your company is a great idea with many benefits for your company. So, what are you waiting for?

Apart from using a third-party payment provider, you can also build your own payment gateway. However, you are solely responsible for keeping your online operations safe and sound. Therefore, understanding and adopting simple online security habits is key to becoming more resilient against cyber threats. We recommend reading ways to protect your company and customers when taking online payments.