Payment System Development
Fiat & crypto payment rails with settlement, risk controls and clean integration APIs for PSPs and merchants.
Overview
Virtual Vision Ltd designs and builds enterprise-grade payment systems that handle everything from card processing and digital wallets to real-time settlements and cross-border transfers. Our solutions are architected for fault tolerance and regulatory compliance from day one, giving your business the reliability and trust that modern fintech demands. Whether you are launching a new payment product or modernising a legacy infrastructure, we deliver scalable platforms that grow with your transaction volumes.
What's included
- Multi-rail payment processing
- Settlement & reconciliation
- Risk & fraud management
- Merchant & PSP APIs
- Chargeback & dispute handling
- PCI-aligned security
- 99.999%
- Uptime SLA across all payment rails
- sub-80ms
- End-to-end authorisation latency at P99
- 150+
- Currencies and payment methods supported
Built with the features that matter
Multi-Rail Payment Processing
Support card networks (Visa, Mastercard, Amex), ACH, SEPA, SWIFT, and instant payment rails such as FedNow and CHAPS within a single unified gateway. Our routing engine selects the optimal rail per transaction to minimise cost and latency.
Real-Time Settlement Engine
Funds are reconciled and settled in near real-time using event-driven ledger architecture, eliminating overnight batch delays. Configurable settlement windows let you align with counterparty SLAs and liquidity requirements.
PCI DSS Level 1 Compliance Framework
Tokenisation, end-to-end encryption, and HSM-backed key management are built into the core, not bolted on. Our compliance toolkit includes automated evidence collection to accelerate your annual QSA audit.
Adaptive Fraud Detection
Machine-learning models score every transaction in under 50 milliseconds, combining velocity checks, device fingerprinting, and behavioural biometrics. Rules are tunable in real time so risk teams can respond to emerging fraud patterns without a deployment cycle.
Developer-First API and SDK Suite
RESTful and webhook-based APIs with OpenAPI 3.0 documentation, sandbox environments, and pre-built SDKs for Node.js, Python, Java, and Swift accelerate merchant and partner integrations. Average time-to-first-transaction in sandbox is under 30 minutes.
Global Currency and FX Management
Accept and settle in 150+ currencies with built-in FX conversion powered by live mid-market rates and configurable mark-up policies. Multi-currency virtual accounts simplify cross-border reconciliation and reduce FX exposure.
Common questions
How long does it typically take to deploy a production-ready payment system?
For a greenfield platform with standard card and bank-transfer rails, our typical delivery timeline is 12 to 20 weeks from kick-off to go-live. Complex integrations involving multiple acquirers, bespoke fraud models, or existing core-banking connectivity may extend this, and we provide a detailed project plan with clear milestones after the discovery phase. We also offer a phased rollout option so you can begin processing real transactions on completed modules while development continues.
What compliance standards does your payment system address?
Our architecture is designed to satisfy PCI DSS Level 1, PSD2 Strong Customer Authentication, AML transaction monitoring requirements, and GDPR data-residency obligations. We provide compliance documentation packages, network diagrams, and data-flow maps that can be handed directly to your QSA or internal audit team. For clients operating in multiple jurisdictions, we offer a regulatory mapping workshop to identify and close any gap between our standard build and local requirements.
Can the platform scale to handle peak transaction volumes during high-traffic events?
Yes. The platform is built on a horizontally scalable microservices architecture deployed on Kubernetes, with auto-scaling policies that respond to transaction-per-second thresholds within seconds. We load-test every release against 10x your projected peak volume, and our largest clients process over 5,000 transactions per second on shared infrastructure. Dedicated cluster options are available for clients with strict isolation or data-sovereignty requirements.
Do you provide ongoing support and maintenance after launch?
All production deployments include a 90-day hypercare period with dedicated engineering support, followed by tiered managed-service options covering monitoring, incident response, scheme-rule updates, and feature releases. Our SRE team operates a 24/7 on-call rotation with a 15-minute response SLA for P1 incidents. We also offer a quarterly business review programme to align the roadmap with your evolving product and regulatory landscape.
Ready to build your financial platform?
Tell us what you're building. We'll bring the infrastructure, security and compliance expertise.