Transactions · Gateways & checkout
E-Commerce & Payment Gateways
Checkout UX, Razorpay, Stripe, PayU, webhooks, refunds, and reconciliation built for reliability.
Core delivery model
How Bits Bridge delivers
Checkout is where margin leaks — failed webhooks, duplicate charges, and reconciliation gaps surface months later. Bits Bridge builds payment integrations finance and support can trust.
What we have delivered, gateway and platform depth, and sprint options for hardening or new market expansion.
PCI scope, 3DS friction, and wallet adoption vary by market — we design routing rules and UX flows per geo rather than copy-paste gateway docs.
Engagements can start with paid discovery or a fixed-scope MVP — whichever fits your procurement process. We align with existing vendors and internal squads when RACI boundaries are clear.
What we have delivered
We build checkout, payment gateway integrations, and finance reconciliation for Magento, Shopify, and custom Rails carts — Razorpay, Stripe, PayU, UPI, cards, wallets, and international schemes with 3DS.
Cross-border checkout adds FX display, tax, and settlement complexity — we implement gateway routing rules finance approves before new market launch.
- Multi-gateway routing by geo, currency, and risk rules with failover paths
- Webhook idempotency, signature verification, and dead-letter replay for finance
- Partial refunds, split settlements, and ERP reconciliation exports
- Subscription and installment flows with mandate webhooks (e-NACH where applicable)
- Mobile-first checkout with express pay, address APIs, and accessible form design
- Fraud hooks: velocity checks, 3DS step-up, and gateway risk scoring integration
Technical capabilities
Payment integrations fail silently until chargebacks spike. We implement state machines, correlation IDs, and dashboards finance teams operate without filing developer tickets.
Dispute and chargeback workflows integrate gateway webhooks with order state — support sees payment context without switching tools.
- Razorpay, Stripe, PayU, Cashfree, and Adyen adapter patterns with sandbox parity
- PCI-aware architectures — tokenization, no raw card storage, scoped credentials
- Async capture, auth-only holds, and delayed settlement for travel/hospitality
- Multi-currency FX display with settlement reporting per gateway
- Admin tools: manual refund, payment lookup, and webhook event inspector
- Load tests on checkout and webhook throughput before peak campaigns
What we can build for you
A 6–8 week checkout hardening sprint addresses your highest payment failure mode — webhooks, refunds, or multi-gateway routing.
Finance sign-off criteria for reconciliation dashboards are defined at discovery — not debated after go-live.
- Discovery: gateway contracts, reconciliation pain points, peak traffic, compliance
- Staging mirror of production webhook behavior for QA
- Reconciliation dashboard MVP with finance sign-off criteria
- Runbooks for gateway outages and manual fallback procedures
- Optional expansion to subscriptions, wallets, and marketplace splits
- Learn more about Shopify/Magento development and AWS hosting
Stack
Technology stack
Payment stacks combine gateway SDKs, Rails state machines, Redis idempotency stores, Sidekiq retry workers, and admin tools for finance exception handling.
Secrets live in AWS Secrets Manager — never in repos. Testing includes contract tests on partner APIs and load tests before predictable peak events.
Outcomes
Delivery highlights
Reconciliation match rate and checkout completion under load — measured before and after sprint delivery.
KPIs are agreed at discovery and reviewed at 30/60/90 days post-launch — conversion, deflection, deploy frequency, or decision clarity for research engagements.
Webhook reliability
Zero duplicate charges — Idempotency keys and event deduplication prevent double capture on retries.
Finance trust
Reconciliation exports — Gateway settlements mapped to orders with exception queues for manual review.
Conversion
Express pay & 3DS tuning — Payment method ordering and step-up flows balanced for approval rates and fraud.
Peak readiness
Load-tested checkout — Synthetic monitors and autoscaling validated before festival and sale events.
Depth
Technical capabilities
Multi-gateway routing, refunds, subscriptions, mobile checkout, and ERP exports — on Magento, Shopify, and custom Rails carts.
Handover includes documentation your team can operate: runbooks, API references, and recorded training — not a final-week knowledge dump.
Gateways & methods
- Razorpay / Stripe / PayU
- UPI & wallets
- Cards & 3DS
- International schemes
- BNPL / installments
Platform fit
- Magento checkout modules
- Shopify Payments extensions
- Custom Rails carts
- Mobile app SDKs
- Headless checkout APIs
Finance & ops
- Reconciliation dashboards
- Refund workflows
- Tax & invoice hooks
- Webhook inspector
- Audit logs for disputes
Next steps
What we can do for you
Engagement models
Share current gateways, monthly transaction volume, and reconciliation gaps. We propose a focused sprint or full checkout rebuild with honest PCI scope.
- Checkout hardening sprint (6–8 weeks)
- New gateway / market expansion
- Retained payments engineering
How we deliver
Weekly demos, written decision logs, and KPI reviews at 30/60/90 days — delivery craft since 2013.
- Discovery workshop — stack inventory, KPIs, compliance constraints
- Architecture & integration contracts — OpenAPI, webhook catalog, RACI
- Iterative build with weekly demos on staging
- Load tests, security review, and rollback runbooks
- Hypercare launch + optional retainer for upgrades
Share your stack, timeline, and the KPI you need to move.
Contact form →Questions
Frequently asked questions
Which payment gateways do you integrate most often?
Razorpay and Stripe for India and international; PayU and Cashfree where clients already have contracts. We implement adapter patterns so adding a gateway does not rewrite checkout.
How do you prevent duplicate charges on webhook retries?
Idempotency keys stored per gateway event ID, signature verification, and transactional state machines — with admin tools to inspect stuck payments.
Can you help with PCI compliance?
We design tokenization-first architectures and scope SAQ appropriately — no raw card data in your Rails logs. Full PCI DSS certification is a joint effort with your acquirer and infra choices.
Do you support partial refunds and split payments?
Yes. State machines track partial captures/refunds; marketplace splits and travel deposits are common patterns in our portfolio.
Can checkout work on mobile apps and web?
Yes. Shared payment APIs with platform-specific UX — React Native, Flutter, or Hotwire — with the same webhook backend.
How do you test payments before launch?
Sandbox parity, staging webhooks, synthetic checkout scripts, and finance dry-run reconciliation before production promote.
What if our gateway changes API versions?
Versioned adapters, contract tests against sandbox, and runbooks for coordinated upgrades with minimal checkout downtime.
How do we start?
Email hello@bitsbridge.in with gateways, platforms, and reconciliation pain points. We respond with a sprint outline and staging plan.