At enterprise volume, every basis point in fees and every false decline is real money. You shouldn’t need a vendor’s permission to fix either. Relevant Software builds payment platforms that enterprises and fintechs own end to end.
Off-the-shelf payments work well at launch. At enterprise scale, the same setup starts to limit you. If two or more of the signs below sound familiar, it’s time to run the numbers on a payment layer you own.
A gateway that accepts cards, wallets, and bank payments through one API, built for your traffic peaks and your checkout flows.
Each transaction is routed to the PSP with the best cost and approval rate, with automatic retries and fallback when a provider declines or goes down.
A processor-agnostic vault keeps card data out of most of your systems, reduces PCI DSS scope, and lets you switch PSPs without asking customers to re-enter cards.
Pre-authorization checks, 3DS2 orchestration, and real-time transaction monitoring tuned to your risk appetite.
Automated matching of transactions, payouts, fees, and bank statements across every provider, so finance closes the month without spreadsheets.
Recurring billing, usage-based pricing, invoicing, and dunning, built on our billing software experience.
Marketplace splits, mass payouts, and disbursements to sellers, partners, or borrowers in multiple currencies.
SEPA Instant, FedNow, open banking (A2A) payments, and local methods, connected through our API integration services.
Live dashboards for approval rates, decline reasons, routing performance, and cost per transaction, powered by AI-powered data analytics.
Most enterprises can’t stop taking payments while they rebuild. So every step below keeps your current setup running until the new one has proved itself.
We study your volumes, PSP contracts, fees, decline data, and reconciliation process to find where the money goes.
You get the target architecture, the routing logic, and a PCI scope plan, all agreed with your security and compliance teams.
One payment method, one PSP, and the routing layer go live on a share of traffic.
New and existing providers process side by side, and results are reconciled transaction by transaction.
Volume moves to the new platform market by market or method by method, with a rollback path at each step.
Routing, retry, and fraud rules are tuned on your own approval and cost data, and your team takes over with full documentation.
We’ve built banking, wealthtech, payroll, and billing software for regulated fintech markets.
A licensed lender saved $100,000 a year in licensing after moving from vendor software to a platform we built.
ISO 27001 certified and GDPR compliant. We build to PCI DSS and PSD2 requirements.
Payment logic is designed by people who know what a failed settlement costs.
The team that builds your platform is the team that supports it.
Code, tokens, and payment data stay with you, so you’re never locked into a vendor again.
When fees, declines, and vendor limits cost more than building and running your own layer. The signals are usually clear:
If none of this applies yet, a single PSP or an off-the-shelf orchestrator is often the right choice, and we’ll tell you so. When we replaced a lender’s vendor software with a custom platform, the client stopped paying $100,000 a year in licenses, and loan processing dropped from 30 seconds to 3. Every project starts with an analysis of your own fees and decline data, so the decision is based on your numbers, not ours.
By never switching everything at once:
Your customers keep paying as usual, and your finance team sees one consistent set of reports throughout.
The fewer systems that touch card data, the fewer systems need to be audited. We get there in three ways:
The result is a smaller audit and fewer controls to maintain each year. Your QSA confirms the final scope, and we prepare the architecture documentation they need.
You do. The code sits in your repository from the first sprint, the platform runs in your cloud accounts, and the token vault and all transaction data belong to your company.
That last point matters most: when tokens are locked inside a provider, switching away means asking customers for their cards again. With your own vault, adding or replacing a PSP becomes an integration task, not a migration risk.
Yes. Keeping your existing providers is usually the first step, because they become the first routes in the new platform. We connect to PSPs and acquirers through their APIs, to banks through open banking APIs, SEPA, and file-based exchanges, and to your ERP and accounting systems for reconciliation.
We’ve built real-time integrations with banking infrastructure before, including live account connections for Poncho and real-time disbursements for a licensed lender.
We analyze your volumes, PSP fees, and decline data, and show you what a payment layer you own would change.
Fintech
Fintech
Fintech
