Payments infrastructure for PSPs, acquirers and payment platforms.
Gateways, orchestration, processing, settlement, reconciliation, payouts and stablecoin rails for payment companies.
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Payment companies operate at the intersection of scale, reliability and razor-thin margins. Approval rates, provider costs, settlement speed and reconciliation accuracy directly determine profitability.
Shivacha engineers payment platforms with explicit state machines, idempotent APIs, multi-provider routing and automated reconciliation — and adds stablecoin and blockchain rails where they reduce cost or settlement time.
Industry problems
Challenges in Payments
Approval rates
Declines that cost revenue.
Provider concentration
Outages at a single provider.
Reconciliation effort
Manual matching of provider reports.
Settlement speed
Days-long cross-border settlement.
Solutions
How we address them
Orchestration
Multi-provider routing and failover.
Processing engines
Accurate, idempotent transaction lifecycles.
Automated reconciliation
Matching engines with exception workflows.
Stablecoin rails
Faster settlement and payouts where appropriate.
Web2 + Web3 FinTech
Shivacha's hybrid fintech solution: unified ledgers, integration layers and products that span bank rails, card networks, stablecoins and tokenized assets.
Learn moreFinTech Transformation
Digital banking, payments modernisation, embedded finance and operations automation for banks, lenders and payment companies.
Learn moreServices
Services for Payments
Payment Gateway Development
Custom payment gateways with hosted checkout, tokenisation, multi-acquirer connectivity, 3DS and merchant APIs.
Learn morePayment Orchestration Platform
Orchestrate multiple PSPs and acquirers with smart routing, failover, unified tokens and consolidated reporting.
Learn morePayment Processing Systems
Payment processing engines for authorisation, capture, refunds, disputes and fees — accurate, idempotent and observable.
Learn morePayment Reconciliation Automation
Automated reconciliation of payments, provider reports, settlements and bank statements — with exception workflows.
Learn morePayout Platform Development
Payout platforms for paying sellers, workers, creators and suppliers — bank transfers, cards, wallets and stablecoins.
Learn moreStablecoin Payment Infrastructure
Infrastructure for stablecoin payments — acceptance, transfers, payouts, settlement and reconciliation at scale.
Learn moreProducts
Ready-to-launch platforms
Shivacha Payment Gateway
A white-label payment gateway with hosted checkout, tokenisation and multi-acquirer connectivity.
Learn moreShivacha Payment Orchestration
Route every payment to the best provider — and fail over automatically.
Learn moreShivacha Merchant Payments
Merchant onboarding, omnichannel acceptance and settlement in one platform.
Learn moreShivacha Hybrid Payments
Accept cards, bank transfers and stablecoins. Settle in fiat or digital assets.
Learn moreShivacha Stablecoin Payments
Dollar-denominated payments, payouts and settlement on stablecoin rails.
Learn moreShivacha Crypto Card
Branded crypto-powered card experiences connecting digital assets, wallets and everyday payments.
Learn moreWork & insights
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreCrypto exchange development cost: what goes into building a trading platform
A crypto exchange is several demanding systems at once — matching, wallets, risk, compliance and operations. Understanding each is the key to a realistic budget and timeline.
Learn moreModular monolith first: when microservices are actually worth it
Microservices solve organisational scaling problems and introduce distributed-systems problems. Most products should earn them.
Learn moreFAQ
Frequently asked questions
Do you hold payment licences?
No. Payments are processed by your licensed partners; we build and integrate the technology.
Can stablecoins complement card payments?
Yes, as an additional acceptance method or settlement rail within a hybrid platform.
Build for Payments.
Tell us about your initiative and we will propose an approach, team and plan.