Where money moves, and in what
Countries, currencies and settlement timelines. This determines which providers are viable long before any code is written.
Scoped upfront
Vertical Solution · Payments & Acquiring
Payment Gateway DevelopmentMerchant Acquiring · Wallets · Split Payouts
Launch payment gateway and merchant acquiring software on a Miracuves ready-made fintech base - merchant app, customer wallet, ledger admin and payment provider webhooks - in 6 working days of build time, from $3,699 with 100% source code. Miracuves scopes the base, your payment provider and your branding in writing before payment.
- 6 Working Days Build
- Merchant · Wallet · Admin
- From $3,699
- 100% Source Code
$3,699Banking Solution base
$2,799P2P payments base
6 daysBuild time on a ready-made base
60 daysGuidance after launch
Banking and P2P bases ready to brand
- $3,699Banking Solution base
- 6 DaysBuild time, FACT-005
- 3 AppsMerchant · Consumer · Admin
- 90+Ready-made solutions
- 100%Source code yours
More than 6,000+ Companies Trust us Worldwide
In short
Miracuves launches payment gateway and merchant acquiring products - merchant onboarding, payment links and QR, split payouts and reconciliation - on ready-made fintech bases with a customer wallet, a merchant app and an admin ledger console. The Banking Solution base is $3,699, built in 6 working days, and you own 100% of the source code. Licensing and PCI DSS validation stay with your business.
Our Approach
How Miracuves ships fintech apps - compliance-aware clone bases
Miracuves has delivered 9,000+ projects, and a payment platform starts from a base that already runs merchant onboarding, KYC, wallets, the ledger and the admin console. Your time goes into your provider, your fee model and your brand, not into rebuilding the plumbing of money movement. Your engineers find the deeper technical detail on the Flutter and Node.js pages.
Who this is for: payment startups, marketplaces, SaaS platforms and banks that need a merchant product in market with a published price, full IP ownership and a company accountable through app review. Provider keys, webhook secrets, push credentials and admin access are documented in your delivery pack, so your own team runs the platform after launch without depending on us.
Every payment engagement starts with an NDA and a written scope: which base, which payment provider and currencies, your branding, and whose developer accounts the apps publish to. Charge, refund and payout flows are tested on release builds on real phones, and webhook signatures, fee rules and access roles are checked before handover. Miracuves stays reachable through app review and the 60-day guidance window, not only on launch day.
When a ready-made base may not fit: a base gives you the software, not the permission to move money. If your model needs your own e-money or payment institution license, card issuing through a BIN sponsor, or a core ledger your partner bank specifies, Miracuves scopes that as custom work with your compliance officer before any build starts.
- Profiled on release builds, never in development mode
- Card numbers kept off your servers through hosted fields and tokens
- Physical device QA on iOS and Android before store submission
- Admin console included: merchants, fees, ledger and reports pre-wired
- 100% source code + IP transfer at handoff: not licensed hosting
9,000+Projects delivered
3,900+Apps published by Miracuves
90+Ready-made solutions to start from
6 daysReady-made clone delivery
2-8wMiracuves custom build timelines
100%Source code ownership
Decisions First
What you have to decide before a payment build starts
A payment gateway is mostly failure handling. The happy path takes a fraction of the work; the value is in what happens when a charge times out, a card is declined, or two systems disagree about whether money moved.
Who processes and who bears risk
Direct acquiring, an aggregator, or multiple providers with routing. Each carries different fees, chargeback exposure and onboarding time.
Scoped upfrontHow card data is handled
Whether card details ever touch your servers. Keeping them out through hosted fields and tokens is the difference between routine and onerous.
Scoped upfrontCharging exactly once
Retries that cannot double-charge. Every real payment integration eventually retries, and the ones that lack idempotency keys eventually double-bill someone.
In the baseTrusting what the provider tells you
Signature verification, replay protection and out-of-order delivery, because webhooks arrive late, twice, or not at all.
In the baseMaking your records match theirs
Automated matching of your ledger against provider settlement, so a discrepancy surfaces the same day rather than at month end.
In the basePayment Gateway Solutions
Payment platforms Miracuves deploys
Six of our 90+ ready-made platforms, each shipping with its apps and admin panel in 6 days.
View All 90+ Solutions01Banking6 days
Revolut Clone
Digital banking app with wallet, cards, transfers, user accounts, and admin control.
$15,9993 Apps
02Neobank6 days
NeoBank Clone
Online banking platform with accounts, KYC, wallet, payments, and transaction history.
$7,2993 Apps
03Wallets & Payments6 days
Banking Solution
Ready-made banking software with wallets, KYC, payments, reports and admin workflows.
$3,6993 Apps
04Remittance6 days
Wise Clone
Money transfer app with exchange rates, wallet, sender flow, and payment tracking.
$12,9993 Apps
05Crypto exchange6 days
Binance Clone
Crypto trading platform with wallet, trading, deposits, withdrawals, and admin panel.
$5,1993 Apps
06P2P crypto6 days
Paxful Clone
P2P crypto marketplace with escrow, wallet, offers, trades, and secure payments.
$2,7993 Apps
Platform Anatomy
Merchant app · Consumer wallet · Admin ledger
Every payment gateway deployment includes three applications - 45 production features, not a stripped MVP. Customer wallet app, merchant app and admin console - 15 features each; the two apps ship as store-ready builds.
User App
iOS & Android · store-ready- KYC onboarding & identity verification
- Multi-currency wallets & balances
- P2P transfers & request money
- Virtual & physical card management
- Bill pay & scheduled payments
- Transaction history & export
- Biometric login & device binding
- Push alerts for every transaction
- Savings pots & round-up rules
- FX conversion at live rates
- In-app support & dispute filing
- Referral rewards & promo codes
- Spending insights & categorization
- QR pay & merchant scan
- Apple Pay / Google Pay provisioning
Merchant App
iOS & Android · store-ready- Merchant onboarding & KYB
- Payment link & QR generation
- Settlement & payout dashboard
- Refund & partial capture tools
- Inventory-linked POS (optional)
- Staff role & permission management
- Transaction search & reconciliation
- Webhook & API key management
- Chargeback evidence upload
- Multi-outlet reporting
- Tip & service fee configuration
- Subscription billing for customers
- Promotional discount rules
- Export for accounting systems
- In-app support escalation
Admin Console
Web console · browser-based- User & merchant lifecycle management
- AML monitoring & rule engine
- Ledger & reconciliation console
- Fee & interchange configuration
- Card program & BIN management
- Regulatory reporting exports
- Fraud scoring & block lists
- KYC/KYB document review queue
- Multi-region compliance settings
- Partner bank & PSP integrations
- Dispute & chargeback workflows
- Audit trail & immutable logs
- Rate limiting & API governance
- Incident & status page controls
- Platform revenue dashboards
Choose Your Route
Ready-made vs custom vs white-label - which fits your payment business
Three ways to put a payment product in front of merchants. They differ in who owns the ledger, how soon the first charge runs and where the license and certification work sits.
MetricFive things that decide cost, speed and reach
Miracuves
Ready-made base
Banking or P2P base, rebranded
Custom build
Designed from the ledger up
White-label SaaS
A hosted platform, rented
01First charge
6 working daysBuild time on the base, FACT-005
2-8 weeksScoped and written before payment
Days to weeksOn the vendor's onboarding queue
02What you pay
From $3,699One-time, Banking Solution base
Scoped quoteMilestone billing, agreed up front
Recurring feesOften plus a share of each transaction
03Ledger and code
100% yoursApps, ledger and admin in your repository
100% yoursTransferred at handover
The vendor'sYou rent access to it
04Controls and licensing
Built to the controlsTokenization, encryption, RBAC, audit logs; licensing and PCI DSS validation stay with you
Built to your auditor's specCard issuing, extra providers, custom rules
The vendor's controlsOn the vendor's terms
05Best for
Wallets, payment links, QR and payoutsFlows the base already runs
Multi-provider routing or card issuingAnything the base does not cover
Testing merchant demandBefore owning a product
Start from a ready-made base if…
your merchants need onboarding, payment links, QR, split payouts and settlement reports, and you want to own the ledger and the code from day one. Browse the Banking Solution or the Paxful Clone for P2P.
Choose custom or white-label if…
you need card issuing through a BIN sponsor, routing across several acquirers or a core ledger your bank partner specifies (custom, scoped with your compliance officer), or you only want to test merchant demand before owning anything (white-label).
Before You Launch
What payments founders settle before the first charge
The questions that decide which base you start from, what it costs and which obligations sit with you rather than with Miracuves.
Gateway, wallet or P2P: which base fits a payment product?
Start from the first thing your merchants or customers do with money. If merchants need onboarding, payment links, QR, refunds and settlement reports, and customers hold a wallet, the Banking Solution base fits: it runs KYC, wallets, transfers, payments and the admin ledger, at $3,699 today.
If people trade with each other through escrow, the Paxful P2P base fits at $2,799. A crypto on-ramp or exchange starts from the Binance base at $5,199. Multi-currency accounts and cards point to the Revolut or NeoBank bases. Mixing two is scoped in writing before payment.
What does a payment platform cost to launch?
A ready-made base is a one-time price published on its product page; the Banking Solution base is $3,699. It covers the customer wallet app, the merchant app and the admin console, branded, connected to one payment provider and deployed to your hosting, with the source code transferred to you.
Card issuing through a BIN sponsor, routing across several acquirers and custom compliance workflows are quoted after scoping, typically 2-8 weeks of build. Running costs sit outside the build price and are listed before billing: your provider's processing fees, KYC checks, SMS, hosting and any certification audits. Every quote is written before payment, and Miracuves takes no share of your transaction volume after delivery.
What do I need ready before the 6 working days start?
The 6 working days are Miracuves build time, and they do not run past six. Miracuves is based in Mumbai and delivers remotely, so everything below can be arranged from anywhere. What adds calendar time sits on your side, so start it early:
- A merchant or platform account with your payment provider, KYB complete, with test and live API keys
- Your license, or a written arrangement with the licensed partner you operate under
- Keys for your KYC and SMS vendors
- Apple and Google developer accounts in your company's name, verified
- Branding, hosting and a domain for the webhook endpoints
Who is responsible for licensing, PCI DSS and AML?
The base is built to the controls a payment business is assessed on: card numbers are tokenized by your provider through hosted fields and never stored on your servers, sensitive data is encrypted, access is role-based, and every ledger entry and admin action lands in an audit log. That keeps your PCI DSS scope small, but it is not a certificate.
The regulatory status belongs to the business that runs the platform. Your payment institution, e-money or money transmitter license (or your partner bank's), your PCI self-assessment, your AML program and your penetration tests are yours. Miracuves holds no license on your behalf; it documents the architecture for your auditors and compliance officer.
Which fintech businesses have launched on these bases?
Four money-movement and neobank client projects are published in the Miracuves portfolio, each built in 6 working days of Miracuves time with the source code transferred to the client:
The case study above covers Izzipay in more detail. No client revenue or volume figures are claimed here, and each client runs under its own payment provider and its own license.
- Izzipay - the money-movement arm of Izi Technologies, on the Revolut base
- OrcaReserve - a multi-currency neobank, on the Revolut base
- Peter Lu - a cross-border neobank, on the Neobank base
- Ryke - a Web3 neobank and exchange suite, on the Neobank base
How It Works
Payment flow - authorize to reconcile
The base arranges the three apps around one payment, from the merchant's checkout to a reconciled ledger.
Merchant is onboarded
KYB documents reviewed in the admin queue; fees, payout schedule and roles set before the first charge.
Customer pays
Card, wallet, payment link or QR - card numbers go to the provider's hosted fields and come back as a token.
Authorized and captured
The charge posts once with an idempotency key; the ledger records it and the merchant is notified.
Settled and paid out
Split rules divide the amount between platform and merchant, then payouts run on the schedule you set.
Reconciled and reported
Provider settlement is matched against the ledger, and AML rules, limits and audit logs update with it.
Card capture
PAN stays with certified PSP - not your DB.
Event sync
Authorize, capture, refund events in admin.
Merchant payout
Split and settlement schedules you configure.
Revenue Model
6 ways payment platforms earn
Transaction fees, merchant subscriptions, FX spread and, where your license allows it, income on balances. Fee rules are configured in the admin console, so each line can be switched on at launch; Miracuves aligns the provider choice and KYC flow with your jurisdiction before the build.
Interchange & Transaction Fees
A percentage on each card payment, transfer or conversion that runs through your platform.
Example: 1.5-2.5% interchangeSubscription Accounts
Paid plans for customers who want higher limits, more currencies or faster payouts.
Example: $9.99/mo premium tierMerchant Processing
A merchant discount rate on every sale you acquire, set per merchant in admin.
Example: 2.9% + $0.30FX Spread
A margin above the provider's rate when a payment crosses currencies.
Example: 0.5-1.5% spreadLending & Interest Income
Income on customer balances, only where your license and your partner bank allow it.
Example: net interest marginB2B API & Banking-as-a-Service
Businesses pay to embed your payment APIs in their own products.
Example: custom SaaS feesIllustrative only: the examples are what payment platforms commonly charge, shown to size the model. They are not results from a Miracuves client, and your own figures depend on your provider costs, your license and your market.
Who This Is For
Who should build payment gateway software?
Four kinds of business launch payment products on these bases most often.
PSP Startups
A merchant portal with onboarding, payment links and settlement reports, live without building a core ledger first.
Regional acquiringMarketplaces
Buyer payments split between the platform and each seller, with hold periods and payout schedules set in admin.
Multi-vendorSaaS Platforms
Payments inside your own product, so your customers invoice and get paid without leaving your software.
B2B platformsBanks
A modern merchant app and console on top of the acquiring license and rails you already hold.
Digital transformationWhy Miracuves
How Miracuves compares to typical payment gateway vendors
Payment software is judged on the day a webhook arrives twice or a settlement file does not match. Before signing with anyone, check who owns the ledger code, what the admin console costs and who answers after launch.
- Source code ownership100% Yours
- Admin panel includedAlways
- Post-launch support60 Days
- NDA before details sharedDay One
- Published pricingYes, public
- App Store submissionFully managed
- Real device QAAlways tested
- 01
We publish prices - most vendors don't
Each ready-made base has its price on its product page, bound to the same figure you are invoiced. A payment base has known effort because the ledger, KYC and merchant flows already exist; only your provider, fees and branding are new.
- 02
Source code is yours, not licensed
The ledger, the apps and the admin console are transferred to your repository with full IP. If you change payment provider or engineering team later, the code goes with you.
- 03
Admin panel isn't an upsell
The merchant app, the customer wallet and the admin console with its ledger, KYC queue and dispute tools are all in the base price. Nothing a regulator or auditor will ask to see is sold as an add-on.
- 04
Real devices, not just emulators
Emulator-only testing misses card-verification redirects that never return to the app, payment alerts that never arrive, and biometric login edge cases. Every Miracuves build is QA'd on physical iOS and Android hardware.
- 05
Honest timelines, not marketing numbers
Miracuves states 6 working days of build time on a ready-made base and 2-8 weeks for custom work, and documents any extension in writing before payment - not surprise SOWs mid-project.
Architecture
Fintech architecture - wallets, KYC, and ledger boundaries
Card data stays with your payment provider: hosted fields and tokens keep it off your servers, ledger entries are written once and never edited, and every provider connects through one API layer.
- 01
User & merchant apps
KYC flows, wallets, cards, and QR pay with biometric login and device binding.
- 02
Compliance admin
AML queues, limit rules, ledger views, and regulatory export packs.
- 03
Core banking API
Double-entry ledger, idempotent webhooks, and PSP routing per corridor.
- 04
Security boundary
Secrets in env config, PCI-aware card flows, and immutable audit trails.
The card goes into hosted fieldsThe number travels to your provider, never to your servers
The provider returns a tokenYour platform stores the token, not the card
The charge posts onceAn idempotency key stops a retry from billing twice
The webhook is verified and loggedSignature checked, then the event is written to the audit log
Built withFlutter App DevelopmentNode.js DevelopmentBlockchain Development90+ ready-made solutions
Technology Stack
Payments stack - tokenization + ledger + webhooks
The components the payment base runs on. Your engineers get the full architecture notes at handover.
FL
Flutter 3.24+Wallet and merchant apps
Dt
Dart 3.5App language
Lv
LaravelBackend REST API
No
Node.jsReal-time services
FB
FirebaseAuth · FCM · Firestore
GM
Google MapsMerchant locations
💳
Stripe/RazorpayPayments · payouts
Ws
WebSocketsLive payment status
Rd
RedisCache · job queues
My
MySQLPrimary data store
Sq
SQLite/HiveOffline-first cache
Cm
CodemagicCI/CD pipelines
Dk
Docker/AWSInfra & scaling
Sn
SentryCrash & error tracking
Tw
TwilioSMS · OTP verification
Mx
MapboxAlt. mapping provider
Quality Standards
Security & compliance for fintech deployments
Every payment gateway build passes the Miracuves production gates on release builds and real phones, with charge, refund and webhook paths checked before sign-off.
- Physical device QAGate
- Release build profilingGate
- Security reviewGate
- Store compliance passGate
- Handoff packageGate
- 60-day monitored supportGate
Delivery Gates
Six checkpoints before handoff
Physical device QA
Every build tested on real iOS and Android hardware - biometric login, push alerts, card-verification redirects and background modes behave differently on emulators; Miracuves does not sign off emulator-only.
Release build profiling
Profiled on release builds - not debug - before store submission. Performance accepted only when representative of user experience.
Security review
Provider keys and webhook secrets live in environment config, never in source. Admin routes are role-gated, webhook signatures are verified, and every charge carries an idempotency key.
Store compliance pass
Signing, privacy answers and the financial-services questions both stores ask of payment apps prepared with you; in-scope rejections fixed in the 60-day window.
Handoff package
Repository, environment guide, admin credentials, API and webhook docs, and a runbook for failed payouts and unmatched settlements.
60-day monitored support
Payment and crash regressions from in-scope configuration are fixed, and the webhook failure queue is watched with you through store review and the first settlements.
Delivery Process
Payment gateway deployment - 6 working days
PSP keys, webhook handlers, reconciliation screens, and refund QA on release builds. NDA, written scope, milestone visibility, and source handoff are standard - not optional add-ons.
- Day 0
Brief & NDA
Share your concept on WhatsApp. NDA signed same day. Miracuves confirms the base, the payment provider and the customization scope.
- Day 1-2
Configuration & Branding
Brand applied, your payment provider connected in test mode, KYC vendor keys set, fee rules and first merchants loaded in admin.
- Day 2-5
Customization Sprint
The scoped changes: your checkout and payout rules, currencies, extra screens and any language or RTL support.
- Day 5-6
QA on Real Devices
Tested on physical iOS and Android. Charge, refund, payout and webhook flows verified end-to-end on release builds against your provider's test environment.
- Day 6
Handover & Store Submission
Apps submitted from your own developer accounts; source code, docs and credentials delivered. Store review and provider go-live checks then run on their own clock, and the 60-day guidance window begins.
Day 0NDA signed
Day 1Configuration starts
Day 5QA begins
Day 6Build handed over
Six days is Miracuves build time, not calendar time
The six days are ours, and they do not run past six. What can add time sits on your side: developer account verification, merchant onboarding and compliance approvals are controlled by the app stores and your payment provider, not by us. We list exactly what you need ready on the first call so you can start those in parallel.
See what you provideFACT-005, audited quarterly
Cost & Pricing
What payment gateway development costs
Published prices. No request-a-quote wall. The Banking Solution base, with wallets, KYC, payments and merchant flows, is $3,699; the P2P base is $2,799 and the exchange base $5,199.
Ready-made Base
$3,699 /from
6 working days · scoped
- Wallet + merchant + admin apps
- Your branding on all three
- One payment provider connected
- KYC and webhooks configured
- Full source code delivered
- 60-day post-launch support
Custom Build
Custom Quote
Scoped before build · milestone billing
- Ready-made base + your custom flows
- Extra payment providers or acquirers
- Multi-currency payouts and FX rules
- Custom KYC, KYB and AML screens
- Full source code + IP transfer
- 60-day support + priority SLA
Enterprise Platform
Enterprise
Multi-market · SLA · compliance
- Several countries or acquirers
- Card issuing via a BIN sponsor
- Reporting for your auditors and regulator
- Dedicated account manager
- SLA-backed uptime guarantee, first reply within 2 hours
- Ongoing development retainer
Cost factors that change the priceBIN sponsorship and card issuing depend on bank partners - Miracuves documents that upfront.
What changes a payment build's price
The ready-made price holds when your flows match the base. Extra payment providers, card issuing through a BIN sponsor, multi-currency payouts and custom compliance workflows are quoted in writing before payment.
Typical budget ranges
- Ready-made basefrom $3,6996 working days
Custom build: 2-8 weeks · written quote, milestone billing.
Enterprise: several countries or acquirers, SLA - scoped with your compliance team.
Client project
What deploying a payment gateway platform looks like in practice
A real Miracuves client project. Every detail here is taken from its published case study.
Izzipay needed a multi-currency neobank. The Revolut Clone base already carried the mechanics, so the engagement went where their product was actually different. The stack on record for this build: JS.
- 01
What already existed
19 of its 24 building blocks were reused unchanged from the Revolut Clone base, already proven on other engagements.
- 02
What was built for Izzipay
5 pieces were built for this client: the parts that made the product theirs rather than anyone else's.
- 03
Handover
5 applications and consoles shipped through development, staging and production, and the source code was transferred to Izzipay's own account.
6 daysBuild time on record
5Applications shipped
100%Source code transferred
Project record
- ClientIzzipay
- SolutionRevolut Clone · MXRevolut
- Delivered2025
- StackJS
- Build time6 working days
- Source codeTransferred to the client
19 of 24Blocks reused
5Built for this client
6Integrations, each isolated
Client Reviews
What clients say about Miracuves payment gateway deployments
Verified on Clutch and Google - payment gateway launches on Miracuves clones. Each review reflects a scoped deployment with published pricing and full IP transfer through store launch.
"Izzipay is the money-movement side of what we do. The multi-currency ledger, card management and KYC already existed on their base, so the engagement went into our own corridors and the compliance screens our regulators expect. Live well inside a month."
Charles EveillardManaging Partner, Izzipay
"They added our custom payment gateway with the UPI and card rails we needed, plus a reconciliation module tied to our finance stack. We launched in 11 weeks."
Deevakar ChandCo-founder & CEO, Wellyansh Health Pvt. Ltd
"Accounts ledger, KYC and card issuing came off their shelf; we added the corridor FX engine and our partner bank's settlement layer."
Peter LuManaging Director, Apex Vertex Capital Holdings Ltd
Why Miracuves
Six places to check us before you ever call us
Each one is either run by someone else or open to anyone. Check them in any order; the whole list takes about a minute.
Why clients choose Miracuves
01
Company registration
Miracuves Solutions Pvt. Ltd., CIN U62099MH2023PTC406639. Search the CIN on the Ministry of Corporate Affairs portal.
mca.gov.in 02Every number, sourced
Projects, clients, prices and timelines, each one defined and sourced on our public facts ledger.
miracuves.com/facts 03Reviews on Clutch
Client reviews published by Clutch, an independent B2B review platform, not by us.
clutch.co 04Reviews on GoodFirms
A second, separate review platform. Read what clients wrote there too.
goodfirms.co 05The product itself
Web app, admin panel and APK with printed credentials. Try the real thing before a single call.
miracuves.com/solutions 06Clients, by name
Named clients describing their launches, in their own words.
miracuves.com/client-testimonialsThree promises we would stake the company on
Every promise on this site rests on these three. Each one is something you can check, not something you have to take on trust.
01People you can name
Our leadership is public, with real LinkedIn profiles, not a stock-photo team page. A named team works your build and sends you progress on WhatsApp every working day.
Meet the leadership02Proof over promises
Every number we publish, pricing, timelines, project counts, is defined and sourced on a public facts ledger. If we can't back a claim, we don't make it.
Read the facts ledger03A process with a deadline
Ready-made platforms go from kickoff to live deployment in 6 working days, guaranteed: miss it for reasons on our side and we work free until launch. Custom builds get a fixed quote after a free feasibility study.
Get a feasibility study
Explore Miracuves
Miracuves catalog - clones, technology, and hire models
Products90+ Clone solutionsUber, Netflix, Revolut-style products with honest stack attribution.TechnologyFlutter developmentDeep stack comparison, architecture, and delivery models for cross-platform apps.VerticalOn-demand verticalRide, food, grocery, and logistics platforms from shared clone bases.HireDedicated teamsWhen you need embedded engineers instead of a turnkey clone deployment.VerticalFintech verticalWallets, neo-banks, and payment gateways with compliance-aware scoping.TechnologySoftware developmentCustom builds when clone scope is not the right fit - same NDA and IP rules.
Related Solutions
Explore Miracuves products & services
Clone solutions, technology development, and vertical platforms - cross-linked across Miracuves' published service catalog.
Api developmentAPI Development
Cloud SolutionCloud engineering
Analytics PlatformsData Engineering
BackendNode.js Development Company
VerticalFintech App Development
VerticalMarketplace Development
TechnologySoftware Development Company
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Frequently Asked
Payment Gateway Development - FAQ
Something not covered here? Ask on WhatsApp and you will usually have an answer within two hours.
Ask us directlyWhat does Miracuves mean by payment gateway development?
Miracuves builds merchant acquiring platforms, payment aggregator software and wallet APIs on ready-made fintech bases. You get user and merchant apps, an admin ledger console and payment provider integrations configured for your market. The software is built to the controls a payment business needs - tokenization, encryption, role-based access and audit logs - but Miracuves holds no license or certificate on your behalf: licensing, PCI DSS validation and any e-money or money transmitter status belong to your business and your partners.
Can Miracuves integrate Stripe, Razorpay, and other PSPs?
Yes. Payment service provider keys, webhook handlers, and settlement reconciliation screens configure during deployment. Miracuves tests authorize-capture-refund cycles on physical devices. Multi-PSP failover is custom enterprise scope.
How long does payment gateway software deployment take?
A ready-made payment base is built in 6 working days of Miracuves time with one payment provider and admin reporting; custom builds take 2-8 weeks. BIN sponsorship and card issuing require partner banks - timeline depends on partner onboarding, not Miracuves coding alone. Miracuves documents that dependency upfront.
What security standards apply to payment platforms?
The platform is built to the controls PCI DSS and payment regulators look for: card data is tokenized by your payment provider and never stored on your servers, traffic and sensitive fields are encrypted, access is role-based, and the admin keeps immutable transaction and audit logs with fraud velocity rules. The software is not itself PCI DSS certified and Miracuves does not certify your business; penetration testing, your PCI self-assessment and any license are your compliance program, and Miracuves supplies the architecture documentation your auditors request.
What is the starting price for payment gateway development?
The Banking Solution base, with wallets, KYC, payments and merchant flows, is $3,699; the P2P base is $2,799. Full acquiring stacks with multiple payout currencies are quoted in writing after scoping. Published pricing avoids quote walls for standard clones.
Do I own the payment software source code?
100% IP ownership. You may switch PSPs by updating integration modules you control. Miracuves does not take basis points on your GMV after delivery unless under a separate processing agreement you negotiate.
Can platforms support marketplace split payouts?
Split payments between platform, seller, and delivery partner use the same commission engine as marketplace clones. Payout schedules and hold periods are admin-configurable with export for accounting.
What support exists after a payment platform launches?
60-day defect support included. PSP API version upgrades often need maintenance retainers. Miracuves recommends monitoring webhook failure queues because silent webhook loss causes reconciliation nightmares in production.
Does Miracuves handle App Store and Google Play submission?
Yes. The customer wallet and the merchant app are submitted from your own developer accounts, with signing, listing copy, screenshots and the privacy and financial-services questions each store asks of payment apps prepared for you. Reviewers often ask who holds the license and how card data is handled, so Miracuves prepares those answers with you. Rejections caused by configuration within the agreed scope are fixed during the 60-day window at no extra cost.
How is a Miracuves vertical deployment different from hiring a freelance developer?
A freelancer usually writes the ledger, webhook handling and admin from scratch, and the double charges and unmatched settlements show up after launch. Miracuves deploys from production-tested ready-made bases, the same approach behind 9,000+ delivered projects, with NDA, IP assignment, published pricing, and company-backed support. You take the first charge on a base whose retries and reconciliation have already been exercised, with the source code in your own account.
Is the payment platform PCI DSS certified or licensed when it is delivered?
No. The platform is built to the controls - tokenization through your provider's hosted fields, encryption, role-based access and audit logs - which keeps card data off your servers and your PCI DSS scope small. Certification, your PCI self-assessment and any payment, e-money or money transmitter license belong to your business or your licensed partner. Miracuves holds no license on your behalf and supplies the architecture documentation your auditors request.
Which Miracuves clients run payment and banking products on these bases?
Izzipay and OrcaReserve launched on the Revolut base, and Peter Lu and Ryke on the Neobank base; each case study is published in the Miracuves portfolio. Each build took 6 working days of Miracuves time, and the source code was transferred to the client's own account.
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Page reviewed by Miracuves Payments Engineering Team · Last updated June 2026 · Clutch & Google Reviews
Disclaimer
Miracuves is an independent software development company. We are not affiliated with, connected to, sponsored by, or endorsed by any of the brands or platforms named on this page.
Why these names
Names of the form “Brand Clone” are used descriptively. It is how the software industry refers to building a platform with functionality comparable to a known service, and how clients search for it.
Who built this
The entire design and codebase of our products is built by our own team. Our products contain no code, design, graphics, or content originating from any third-party website or application.
Trademarks
All third-party names and marks listed on this page are the property of their respective owners, referenced solely to describe the category of software offered.
