Service 03 · Payment & Billing Software
Payment and billing software that reconciles to the rupee
Pristine builds payment gateway integrations, subscription billing platforms and reconciliation tools for Indian and international businesses. We've worked with Razorpay, Stripe and fully custom flows — handling UPI, cards, refunds, webhooks and settlements so every transaction is accounted for and your finance team stops chasing spreadsheets.
Overview
Why payments need specialist engineering
Payment software is the code that moves money: checkout flows, recurring billing, invoices, refunds, payouts and the reconciliation that proves it all adds up. A bug here isn't a broken button — it's a double charge, a missed renewal or a settlement that never matches your bank statement.
We design payment systems to be idempotent and auditable. Every webhook is verified and safely retried, every state change is logged, and amounts are handled as integers in the smallest currency unit, so rounding never creeps in.
In India that also means designing for UPI and UPI AutoPay mandates, RBI's card tokenisation rules, GST-ready invoices for your customers and multiple gateways for redundancy. We keep card data out of your servers entirely by using gateway-hosted fields and tokens, which keeps your PCI DSS scope small.
Capabilities
Payment & Billing Software services we offer
Payment gateway integration
Razorpay, Stripe, Cashfree, PayU and others — checkout, UPI, cards, netbanking and wallets.
Subscription & recurring billing
Plans, trials, proration, dunning and UPI AutoPay or card mandates for recurring revenue.
Reconciliation tools
Automatic matching of orders, gateway settlements and bank statements, with exceptions flagged.
Invoicing & billing platforms
Custom billing engines with tax-ready invoices, credit notes and customer-facing billing portals.
Payouts & marketplaces
Split payments, vendor settlements and payouts for marketplace and platform businesses.
Multi-gateway routing
Failover between gateways and smart routing to improve success rates and reduce downtime risk.
Tools & technology
The stack behind our payments work
- Gateways
- RazorpayStripeCashfreePayU
- Methods
- UPI & AutoPayCardsNetbankingWallets
- Engineering
- Node.jsPostgreSQLWebhooks & queuesIdempotency keys
- Finance
- Settlement reportsBank statement importTax-ready invoicesAudit logs
Process
How we deliver payment & billing software
- 1
Map the money flow
We document every path money takes — payment, refund, failure, chargeback, payout — before writing code.
- 2
Design for failure
Webhook verification, retries, idempotency and timeouts are designed up front, not patched in after an incident.
- 3
Test in sandbox, then live
Every scenario is tested in gateway sandboxes, then rolled out gradually with monitoring on real transactions.
- 4
Reconcile & monitor
Daily reconciliation and alerts make sure mismatches are caught in hours, not at month-end close.
Who it's for
Built for teams like yours
We work with startups, SMEs and enterprises across India and Southeast Asia — in retail, fintech, healthcare and logistics.
SaaS & subscription businesses
Reliable recurring billing with mandates, trials, upgrades and failed-payment recovery.
Fintech & marketplaces
Split payments, payouts and ledgers that hold up to audits and scale with volume.
Finance & operations teams
Automated reconciliation that replaces manual spreadsheet matching every month.
FAQ
Payment & Billing Software: frequently asked questions
Which payment gateways do you integrate?
We regularly work with Razorpay and Stripe, and also integrate Cashfree, PayU and other gateways. For businesses that need it, we build multi-gateway setups with failover, or fully custom payment flows.
Can you set up UPI AutoPay or recurring payments?
Yes. We implement subscriptions using UPI AutoPay mandates, card mandates and gateway subscription APIs, including trials, plan changes, retries and failed-payment recovery.
Is it secure? Do you store card details?
We don't store card numbers. Card data is captured by the gateway's hosted fields or SDK and replaced with tokens, which keeps sensitive data off your servers and your PCI DSS scope minimal.
What is payment reconciliation and why do I need it?
Reconciliation is matching every order to its gateway transaction and the final settlement in your bank account. Automating it catches failed captures, missing settlements and fee discrepancies early instead of during month-end close.
Can you fix an existing payment integration?
Yes. We audit existing integrations for webhook gaps, double-charge risks and reconciliation issues, then fix them with minimal disruption to live transactions.
Related services
Often paired with
Let's talk about your payments project
Tell us what you need. In a free 30-minute call we'll tell you honestly how we'd approach it — and whether we're the right fit.