Skip to content

Engineering, cloud and support

+44 20 4604 8374
Hexploits

Product engineering

Payment and compliance integrations: Stripe, Adyen, GoCardless, KYC and AML

Payment and compliance integration is the work of connecting a business’s systems to the providers that take payments, collect Direct Debits and verify customers, so that money and identity data flow once, are reconciled automatically, and leave an audit trail. Hexploits integrates card and wallet providers such as Stripe and Adyen, Direct Debit and open banking providers such as GoCardless, and KYC, KYB, AML screening and fraud providers, behind an abstraction that lets you change provider without rewriting the business.

Request a proposalTalk to an engineer

A named engineer replies within one working day. A written scope and an indicative price within two.

Who this is for

  • Platforms and marketplaces taking payments from customers and paying out to sellers or partners.
  • Subscription and membership businesses collecting by Direct Debit and card.
  • Regulated firms that must verify identity, screen against sanctions and monitor transactions before and after onboarding.
  • Finance teams reconciling provider payouts to invoices by hand.

What you get

Deliverables, not slogans. Each one appears in the statement of work.

  • Integration with Stripe, Adyen, GoCardless or your chosen providers, including webhooks, retries and the edge cases each provider documents and the ones they do not.
  • A provider abstraction layer so that adding or switching a provider is a configuration change with a migration plan, not a rewrite.
  • KYC, KYB, sanctions and PEP screening, and transaction monitoring integrated into onboarding and payment flows, with the decision and its evidence stored.
  • Automated reconciliation of provider payouts to orders, invoices and ledger postings, with fees, refunds, chargebacks and disputes accounted for.
  • Strong Customer Authentication and 3-D Secure handled correctly, with exemptions applied where the rules allow.
  • PCI DSS scope kept as small as possible by keeping card data with the provider and out of your systems.

Our engineers work across the major languages, frameworks and cloud platforms. We build on the stack you already run, with technology choices explained in writing before work begins.

How it is delivered

The same four stages as every Hexploits engagement, applied to this capability.

  1. Stage 1

    Discovery

    Two to four weeks. We map every payment and verification flow, the providers involved, the reconciliation gaps and the compliance obligations. Output: a written scope, a provider recommendation where one is needed, and a fixed figure or capped estimate.

  2. Stage 2

    Build

    Provider integrations behind the abstraction layer, tested against sandbox environments and replayed webhook histories, with a working demonstration every fortnight.

  3. Stage 3

    Launch

    Shadow processing alongside the existing flow, reconciliation of every transaction between the two, then cutover by segment with rollback available.

  4. Stage 4

    Operate

    Provider API changes, webhook failures and reconciliation exceptions handled under deployment and monitoring, with a monthly report of volumes, fees and breaks.

Where the team learnt this

Checkout, basket and payment integrations at Holland & Barrett, Apexx Global and Modulr Finance

Before Hexploits, our core team built the checkout and basket systems at Holland & Barrett, integrated payment providers at Apexx Global, and built the compliance and payment flows at Modulr Finance. That is where the edge cases in this page come from: failed webhooks at peak, chargebacks against reconciled payouts, and verification providers that go quiet at 2am.

Talk to an engineer

How success is measured

Every engagement agrees its measures and the measurement period in writing before work starts.

  • Payment success rate by provider, method and market, measured before and after.
  • Reconciliation exceptions per payout and time to clear them.
  • Onboarding completion rate and time to verify, with the reasons for drop-off.
  • Provider fees as a share of processed volume, reported monthly.

Proof

Case studies with numbers, and reviews linked to Google where they were left there.

98%Faster page loads

Gradvisor · Charity · 8 weeks to production, then ongoing

98% faster page loads and a 12% smaller cloud bill for a UK careers charity

12% lower cloud cost · 2 days to ship a change
75%Under the original budget

swarmd.ai · Software vendor · 6 months

Enterprise AI control plane delivered in six months at 75% under budget for a UK software vendor

75% ahead of the original timeline · 6 months from blank page to paying enterprise customers

  • Director, Lothbury

    “Top quality delivery, and reasonable price. Will be using again.”

    Peter DentonDirector, LothburyRead the review

  • Director, Gradvisor

    “Fantastic company and our development partner for Gradvisor, a social mobility careers platform with national ambitions. Extremely responsive and mission-oriented. Cameron owns any shortfalls humbly - rare for IT providers. Thinks like a client too.”

    Tushar PrabhuDirector, GradvisorRead the review

Questions we get asked

Stripe, Adyen or GoCardless: which should we use?
It depends on what you sell, where, and how customers pay. Stripe suits fast integration and a broad method set; Adyen suits higher volumes, multiple markets and unified commerce; GoCardless suits Direct Debit and recurring collection, with open banking for one-off payments. Many businesses run two. We recommend after discovery, and the abstraction layer means the choice is not permanent.
What KYC and AML providers do you integrate?
Whichever your compliance team has chosen or we recommend after discovery: identity verification, KYB for business customers, sanctions and PEP screening, and transaction monitoring. The integration stores the decision, the evidence and the provider response so the audit trail is complete.
Can you reduce our PCI DSS scope?
Yes. Keeping card data with the provider through hosted fields or tokenisation usually takes a merchant from a full assessment to a self-assessment questionnaire, and removes card data from your systems and backups entirely.
What about Strong Customer Authentication?
SCA under the UK and EU payment regulations applies to most online card payments. We implement 3-D Secure through the provider and apply the exemptions the rules allow, such as low-value and merchant-initiated transactions, so authentication happens when it must and not when it need not.
How do you reconcile provider payouts?
Each payout is broken down using the provider’s reporting API into the transactions, fees, refunds and disputes it contains, and each is matched to the order, invoice and ledger posting it belongs to. What does not match goes to an exception queue with the reason, rather than into a spreadsheet.

Related

Sectors where this is most often needed

More in product engineering

Product engineering overview

Next step

Request a proposal.

Tell us about the system and the sector. A named engineer replies within one working day. A written scope and an indicative price within two working days of a short scoping call.

Request a proposalTalk to an engineer