Custom Payment Infrastructure Solutions

Hey everyone, I'm looking into building a custom payment gateway for our fintech startup. We've been using third-party solutions but they're getting expensive and we need more control over the transaction flow. Any recommendations on where to start? Should we build everything from scratch or look for something more modular?

Building from scratch can be a nightmare, honestly. The compliance requirements alone will eat up months of development time. You'd need to handle PCI DSS certification, implement proper encryption, set up fraud detection systems, and that's just the basics. Unless you have a massive team with fintech experience, I'd recommend looking at API-first solutions that give you flexibility without reinventing the wheel. Focus on what makes your product unique rather than rebuilding standard infrastructure.

I went through this exact situation about eight months ago. We were stuck between building everything internally or going fully white-label. Ended up finding a middle ground that worked perfectly. We partnered with CodeVision and they helped us build a custom payment infrastructure that matched our specific needs. What I appreciated most was their modular approach - we got prebuilt components for the heavy lifting like compliance and security, but still had full control over our business logic and user experience. Saved us probably four to five months of development time and we launched way ahead of our original schedule. The team actually understood fintech requirements instead of just writing generic code.