We integrate payment gateways into your web application, mobile app, or SaaS platform. From one-time payments and subscription billing to marketplace payouts and multi-currency support, we build secure, PCI-compliant payment flows that maximize conversion and minimize failed transactions.
ZTABS Payment Gateway Integration: We integrate payment gateways into your web application, mobile app, or SaaS platform. From one-time payments and subscr 300+ clients, 500+ projects. Houston, TX.
ZTABS provides payment gateway integration — We integrate payment gateways into your web application, mobile app, or SaaS platform. From one-time payments and subscription billing to marketplace payouts and multi-currency support, we build secure, PCI-compliant payment flows that maximize conversion and minimize failed transactions. Our capabilities include stripe integration, subscription management, multi-payment methods, and more.
Integrated 150+ Stripe, PayPal, Adyen, and Square deployments — every integration ships with subscription dunning logic, failed-payment retry schedules, and a documented PCI-scope diagram so compliance audits aren't a panic.
Payment integration is more than dropping in a Stripe widget. We build complete payment architectures — checkout flows optimized for conversion, subscription management with dunning and proration, marketplace payouts with connected accounts, invoicing, tax calculation, and revenue recognition. Whether you're launching a new SaaS, adding subscriptions to your platform, or building a marketplace with split payments, we deliver secure, reliable payment infrastructure.
Core capabilities we deliver as part of our payment gateway integration.
Full Stripe integration — Checkout, Elements, Payment Intents, Subscriptions, Connect, Invoicing, and Billing Portal. We handle the complexity so you get a seamless payment experience.
Recurring billing with free trials, proration, plan changes, cancellation flows, dunning for failed payments, and usage-based metering.
Accept credit cards, debit cards, ACH, Apple Pay, Google Pay, PayPal, bank transfers, and regional payment methods — all through a unified integration.
Split payments between your platform and sellers using Stripe Connect. Handle onboarding, identity verification, payout schedules, and tax reporting.
Our integrations use tokenization and Stripe Elements to minimize your PCI scope. No sensitive card data touches your servers.
Reliable webhook handlers for all payment events — succeeded, failed, refunded, disputed. Idempotent processing ensures no duplicate charges or missed events.
Our team picks the right tools for each project — not trends.
Stripe powers payments for millions of businesses. Accept cards, digital wallets, and local methods. Manage subscriptions, invoicing, and revenue recognition. Developer-first APIs and webhooks for full control.
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Every payment gateway integration project follows a proven delivery process with clear milestones.
Design the payment flow — one-time vs recurring, pricing model, tax requirements, supported payment methods, and payout structure.
Build the payment integration with proper error handling, webhook processing, and frontend checkout components.
Comprehensive testing with Stripe test mode — edge cases, failed payments, refunds, disputes, subscription changes, and webhook reliability.
Go live with monitoring for failed payments, webhook errors, and revenue metrics. Provide ongoing support for pricing changes and new payment methods.
What sets us apart for payment gateway integration.
We've integrated Stripe into dozens of SaaS platforms, marketplaces, and e-commerce stores. We know every API, edge case, and best practice.
Checkout flows designed for maximum conversion — minimal friction, smart defaults, saved payment methods, and one-click payments.
We handle the complexity of recurring billing — proration, plan changes, trials, dunning, metered billing, and revenue recognition.
PCI-compliant architectures that minimize your security scope. Tokenization, server-side validation, and idempotent webhook processing.
Projects typically start from $10,000 for MVPs and range to $250,000+ for enterprise platforms. Every engagement begins with a free consultation to scope your requirements and provide a detailed estimate.
Across our portfolio, we track delivery patterns to improve outcomes. Our internal data from 2023-2026 shows:
| Alternative | Best For | Cost Signal | Biggest Gotcha |
|---|---|---|---|
| Stripe (Checkout, Elements, or Connect) | Modern SaaS, marketplaces, subscriptions, any developer-led team shipping in TypeScript/Node. | 2.9% + $0.30 per US card; 0.8% for ACH Direct Debit (capped at $5); Connect adds ~$1.50 + 0.75% per debit card payout. | Stripe Tax and Radar (fraud) are billed separately and surprise teams on their first statement — plan for ~0.5% on top of processing fees. |
| PayPal + Braintree | Consumer e-commerce where PayPal wallet drives measurable uplift; teams with existing Braintree merchant accounts. | 3.49% + $0.49 for PayPal wallet; 2.99% + $0.49 for standard card payments; Braintree is near-Stripe parity. | Buyer-favored dispute resolution — sellers lose ~60%+ of PayPal chargebacks even with documentation. Build a reserves buffer into cashflow forecasts. |
| Adyen | Multi-region enterprise (GMV >$5M/year) that wants one contract across US, EU, APAC with higher auth rates on premium card BINs. | Interchange++ model: ~0.60% + $0.13 base fee + interchange + scheme fees; effective ~1.2%–1.8% for mature merchants. | Implementation is 6–12 weeks with a dedicated Adyen onboarding manager. Not worth it below ~$3M/year GMV — Stripe's simplicity wins at lower volume. |
| Square | Retail, restaurants, and hybrid online + in-person where the same provider handles POS hardware and online checkout. | 2.6% + 15¢ in-person (Free plan); 3.3% + 30¢ online (Free) or 2.9% + 30¢ (Plus); hardware from $59. | API is less developer-friendly than Stripe — SDK maturity, webhook ergonomics, and docs all lag. Pure-online SaaS teams regret picking Square for checkout. |
| Shopify Payments / platform-native | Stores already on Shopify (waives the 2% third-party transaction fee); WooCommerce + WooPayments similar. | 2.9% + $0.30 on Basic → 2.4% + $0.30 on Advanced. Using a third-party gateway adds an extra 0.6%–2% platform fee by plan tier. | Locked to the hosting platform — if you migrate off Shopify, you lose Shopify Payments and must re-underwrite with another processor, often causing a 1–2 week payout freeze. |
Stripe vs. Adyen crossover. Stripe effective rate is ~2.9% + $0.30/txn. Adyen at Interchange++ for a mature card-present merchant lands at ~1.5% all-in (savings of ~1.4% of GMV). Adyen's integration, compliance review, and ongoing account management cost ~$40K–$80K in year one. Crossover at $80K implementation / 1.4% savings = ~$5.7M annual GMV before Adyen beats Stripe on total cost. Below that, stay on Stripe. Subscription billing: Stripe Billing vs. custom. Stripe Billing + Tax costs ~0.5–0.7% of revenue on top of processing (effective ~3.4%+). A custom subscription engine takes 4–8 engineer-weeks ($20K–$60K) and has ongoing edge-case maintenance (proration, mid-cycle upgrades, dunning, failed-payment retry logic). Rule: below ~$2M ARR, use Stripe Billing — the recurring surcharge is cheaper than the engineering. Above $2M ARR, evaluate a hybrid (Stripe for payments, custom for billing logic). Marketplaces: Stripe Connect Express vs. Custom. Stripe Connect Express (hosted onboarding) costs ~$1.50 + 0.75% per debit card payout (or $1.50 per local bank transfer); Custom Connect is free on payouts but you own KYC/AML ($30K–$80K compliance build + ongoing Persona/Alloy fees ~$1–$2/verification). Crossover: at ~$400K monthly payout volume, Custom Connect saves more than it costs in compliance tooling.
A client saw 'unusual fraud' in week 2 of launch — Radar was blocking 18% of first-time checkouts. Root cause: the site had no billing address field, so most cards scored as high-risk. Adding billing address + 3D Secure 2 challenge (instead of block) dropped false-positives to 2% and recovered ~16% of revenue overnight. Always ship with 3DS as a fallback, not an outright block.
Stripe retries webhook events up to 3 days. A team that processed payment_intent.succeeded without checking for a prior success for the same event ID ended up fulfilling an order twice and running a second $499 subscription charge. Always key order fulfillment and side-effects on event.id (or payment_intent.id) in an idempotency table.
Stripe's default proration credits the unused portion of the old plan and debits the new plan. A customer upgrading mid-month from $29 to $99 plans sees a $70 charge they didn't expect, then disputes. Solutions: either disable proration (proration_behavior: 'none'), bill the full difference on the next cycle, or put a preview-invoice UI in front of the upgrade so customers see the exact charge before confirming.
Using Stripe Elements keeps you in SAQ A (the simplest PCI form). As soon as you customize the card form with raw iframe manipulation or proxy card data through your servers, you drop to SAQ D — hundreds of controls, annual audit, $5K–$40K/year in compliance cost. Teams that bypass Elements for design reasons discover this only when a merchant bank asks for their AOC.
Stripe Tax calculates based on the customer's billing address at checkout, but if a customer updates their address mid-subscription, Stripe doesn't retroactively recalculate. One client discovered ~$14K in unremitted sales tax across 7 states at year-end audit. Fix: listen for customer.updated webhook and re-rate upcoming invoices when tax jurisdiction changes.
Verified reviews from real client engagements — sourced from our public testimonial archive and Clutch profile.
My experience is throughout positive. Communication, service, the short response times and the flawless execution of a challenging topic was absolutely great. ZTABS is definitely my first choice again.
Christian Neff
Bank Software Advisory · Bank Software Advisory
Fintech
Fantastic Agency! I couldn't fault them even if I tried. They always go above and beyond to meet your expectations and always produces quality work. Thank you ZTABS.
Stephanie Kal
CEO · Beauty Finder Australia
Marketplace
It has been great working with ZTABS. They bounce off the ideas along the way. Amazing Experience.
Joel Rowe
CEO · Drill Quoter
Marketplace
We don't just contract — we ship and operate our own software. 17 products in production.
Find answers to common questions about our payment gateway integration.
Stripe is our default recommendation for most businesses — best developer experience, broadest feature set, and excellent documentation. We also integrate PayPal, Square, Braintree, and Adyen based on specific requirements like regional coverage or pricing.
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