Quick answer: For custom payment gateway and PSP builds in 2027, Softjourn and The Software House lead on payments-specific engineering, Praxent suits US financial services firms, Teamvoy and DeepInspire are focused payments teams from Ukraine, and Intellias, DataArt, ELEKS, Vention and Netguru bring scale for larger payment platforms. Before you build, be sure a custom gateway is worth it: white-label gateways and orchestration platforms cover many use cases faster.
Payment Gateway Development Companies At A Glance
Company
Base
Specialty
Best for
Softjourn
United States and Ukraine
Card and payment processing software
Card programs and processors
The Software House
Poland
Payment orchestration and multi-PSP routing
Fintechs running several payment rails
Praxent
United States
Financial services software
US banks, lenders and insurers
Teamvoy
Ukraine
Custom payment processing and integrations
Startups building their first gateway
DeepInspire
Ukraine
PSP and fintech platform development
Companies launching a PSP
Intellias
Ukraine
Payments platform engineering at scale
Scaling payment companies
DataArt
United States
Payments and banking engineering
Complex enterprise payment systems
ELEKS
Ukraine
Financial software and data
Payment analytics and risk
Vention
United States
Dedicated payments engineering teams
Teams adding senior capacity
Netguru
Poland
Checkout and payment product design
Consumer payment experiences
The Top Payment Gateway Development Companies
1. Softjourn: Card And Payment Processing Specialists
Softjourn has focused on payments since 2001, building processing, card issuing and prepaid systems. It fits processors and card programs that need people who already know the card networks.
The Software House builds payment orchestration layers and routing engines for fintechs that connect several providers. It suits teams that need smart routing, retries and failover rather than a single gateway.
Praxent is an Austin-based firm that focuses almost entirely on financial services, including payment portals and lending software. It fits US institutions that want a domestic, finance-only partner.
Teamvoy builds custom payment processing software and gateway integrations, with a fixed-scope option for defined projects. It suits startups that want a clear scope and budget for a first payment product.
DeepInspire builds fintech and payment platforms and publishes detailed guidance on starting a payment processing company. It fits founders launching a PSP who need product and engineering together.
Intellias brings large engineering teams to payment and banking platforms. It suits established payment companies adding new rails, markets or products.
DataArt’s long financial services track record covers payments, banking and trading. It fits enterprises integrating payments into complex existing systems.
Netguru pairs product design with engineering, useful when conversion at checkout matters as much as the processing behind it.
How To Choose A Payment Gateway Development Company
Do you really need a custom gateway?
Integrating an existing PSP costs far less than building one. A custom gateway makes sense when you plan to become a PSP, need routing control across providers, or have volumes where fees justify the build.
A gateway is only as useful as its connections. Ask which acquirers, card networks and local payment methods they have integrated.
Who runs it after launch?
Payment systems need monitoring, incident response and constant provider updates. Agree on support and ownership up front.
How We Evaluated
We assessed firms on payments-specific delivery, PSP and gateway experience, compliance knowledge and team scale, using company materials, public reviews and independent comparisons. No company paid to appear on this list.
FAQ
How much does it cost to build a payment gateway?
Integrating an existing provider can cost a few thousand to tens of thousands of dollars; a custom gateway with processing, security and reconciliation can run from tens of thousands into the hundreds of thousands or more.
What is the difference between a payment gateway and payment orchestration?
A gateway connects a merchant to one processor. Orchestration sits above several gateways and routes each payment to the best one. See the best payment orchestration platforms.
Is white-label a better option?
Often, for new PSPs. White-label gateways shorten time to market; a custom build gives more control and better long-term economics at scale.
How long does a custom gateway take?
Commonly many months to over a year, depending on integrations and certification.
Conclusion
Building a payment gateway is an infrastructure decision, not a feature. Choose a partner with payments case studies close to yours, and test the build-versus-buy question before you commit.
