{"head":{"title":"How to Build a Payment Gateway | OceanLab","description":"How to build a payment gateway or merchant platform: checkout, tokens, routing, 3-D Secure, refunds, chargebacks, settlement, compliance and cost drivers.","canonical":"https://oceanlab.in/build/payment-gateway"},"slug":"payment-gateway","featured":[{"meta":{"slug":"cenote","industry":"payments","projectType":"Payment gateway dashboard","country":"mx","tags":["fintech","saas"],"compliances":["PCI DSS","EMV 3-D Secure 2","Banxico card network rules","CFDI 4.0 (SAT)","LFPDPPP (2025)"],"cover":{"src":"/case-studies/cenote/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Cenote - Merchant Dashboard for a Mexican Payment Gateway","description":"Designed and built a clickable merchant dashboard for a Mexican online payment gateway that takes cards with meses sin intereses, SPEI transfers and OXXO cash vouchers in MXN: every payment from authorisation to settlement, declines in plain language, refunds with approval limits, chargebacks sorted by deadline and payouts that break down to the last fee.","category":"Payments / Payment Gateway Dashboard","client":"Mezquite Pagos"}}},{"meta":{"slug":"hatid","industry":"payments","projectType":"Cross-border remittance app","country":"ph","tags":["fintech","enterprise"],"compliances":["BSP remittance rules","National Payment Systems Act (RA 11127)","AMLA (RA 9160)","FATF Recommendation 16","TFPSA (RA 10168)","Anti-Terrorism Act of 2020","Financial Consumer Protection Act (RA 11765)","Data Privacy Act of 2012"],"cover":{"src":"/case-studies/hatid/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Hatid - Remittance App and Ops Console for Sending Money Home to the Philippines","description":"Designed and built a clickable ops console for a Manila remittance company paying out PHP to the families of overseas Filipino workers: a live view of today's flows across 4 corridors, a transfers monitor with SLA timers, a full transfer record, compliance holds with a tipping-off check, and FX margins priced per corridor, payout method and amount band.","category":"Payments / Cross-Border Remittance","client":"Tanglaw Remit"}}},{"meta":{"slug":"parley","industry":"payments","projectType":"Chargeback manager","country":"us","tags":["fintech","enterprise"],"compliances":["PCI DSS","CCPA","Visa Claims Resolution","Visa CE3.0","Visa VAMP","Mastercard ECP"],"cover":{"src":"/case-studies/parley/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Parley - Chargeback Manager with One Dispute Desk Across Every PSP","description":"Designed and built a clickable chargeback manager for a US merchant group with four online brands on Stripe, Adyen and Braintree: one inbox for every dispute with deadline countdowns, evidence gathered per reason code, a fight or accept recommendation with its reasons, pre-dispute alerts and dispute ratios tracked against network thresholds.","category":"Payments / Chargeback Management","client":"Fernhollow Commerce Group"}}},{"meta":{"slug":"quartet","industry":"banking","projectType":"BNPL checkout","country":"au","tags":["fintech","enterprise","saas"],"compliances":["NCCP Act 2009","National Credit Code","ASIC RG 271","Design and distribution obligations","Privacy Act 1988 (Part IIIA)","Privacy (Credit Reporting) Code","AML/CTF Act 2006","PCI DSS SAQ A"],"cover":{"src":"/case-studies/quartet/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Quartet - Buy Now, Pay Later Platform with an Ops Console for Credit, Risk and Hardship","description":"Designed and built a clickable ops console for an Australian buy now, pay later lender that splits online purchases of AUD 50 to AUD 3,000 into 4 or 8 fortnightly instalments: the health of the book, customer records, the fraud and referral queue and hardship cases with their regulatory deadlines.","category":"Banking / Buy Now, Pay Later","client":"Kestrel Point Credit"}}},{"meta":{"slug":"rimtang","industry":"payments","projectType":"QR / POS payments app","country":"th","tags":["fintech","enterprise"],"compliances":["Payment Systems Act B.E. 2560","Thai QR Payment (EMVCo)","PCI MPoC","PDPA Thailand","AML Act B.E. 2542","Thai VAT and e-Tax Invoice"],"cover":{"src":"/case-studies/rimtang/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Rimtang - Phone-as-Till QR and Tap-to-Pay App with an Operations Console","description":"Designed a phone-as-till payments product for a Thai bank-owned payment service provider and its street merchants - dynamic Thai QR, tap to pay on the phone and cash - and built a clickable operations console where staff watch payments, match late QR confirmations by hand and approve the daily settlement run.","category":"Payments / QR & POS Payments","client":"Klong Thong Payments"}}}]}