Payment Gateway Integration — Custom Built by JK Tech Hub
Integrate Razorpay, PhonePe, Paytm, and UPI into your app or website securely.
Quick Answer: JK Tech Hub provides expert payment gateway integration services for websites, mobile apps, and SaaS products. We integrate Razorpay, PhonePe, Paytm, Stripe, UPI, and other Indian payment methods with proper security, error handling, webhook processing, and reconciliation — so you can accept payments confidently from day one.
Last updated: April 2026 · Written by Jay Pipaliya, Founder & CEO at JK Tech Hub
The Problem
Challenges Businesses Face
These are the pain points our solution addresses.
Payment integration looks simple in documentation but breaks in production. Failed transactions, duplicate charges, webhook failures, and edge cases require specialized handling.
Indian customers expect multiple payment options — UPI, wallets, net banking, cards, EMI, and Cash on Delivery. Missing any option means lost sales.
PCI compliance, tokenization, and secure data handling are non-negotiable. A single security breach can destroy customer trust and invite regulatory action.
Subscription billing with Indian gateways requires handling recurring mandates (e-NACH), failed payment retries, proration, and GST invoicing — far more complex than one-time payments.
Our Solution
Payment Gateway Integration Features
Everything built into your custom solution.
Multi-Gateway Integration
Integrate Razorpay, PhonePe, Paytm, Stripe, PayU, CCAvenue, and Cashfree. Smart routing to the gateway with highest success rate for each payment type.
UPI & Wallet Support
Google Pay, PhonePe, Paytm wallet, Amazon Pay, and UPI intent flow for one-tap payments. QR code generation for offline-to-online payments.
Subscription & Recurring Billing
e-NACH mandate setup, recurring payment processing, failed payment retry logic, dunning management, and automatic plan upgrade/downgrade.
EMI & Pay Later
Integrate card EMI, Bajaj Finserv EMI, and Buy Now Pay Later (BNPL) options from Simpl, LazyPay, and ZestMoney for higher conversion on expensive products.
Webhook & Event Processing
Robust webhook handling for payment confirmation, refund processing, dispute management, and settlement reconciliation. Idempotent processing to prevent duplicates.
Payment Analytics Dashboard
Real-time transaction monitoring, success/failure rates, gateway-wise performance, refund tracking, and settlement reconciliation dashboard.
Refund & Dispute Management
Automated refund processing, partial refunds, chargeback handling, and dispute response workflow with full audit trail.
GST Invoice Generation
Automatic GST-compliant invoice generation for every transaction. Tax calculation, HSN codes, and GSTR-ready reports for compliance.
Split Payments & Marketplace
Route payments to multiple vendors/sellers in marketplace scenarios. Commission deduction, vendor payouts, and TDS handling.
Security & PCI Compliance
PCI DSS Level 1 compliance, tokenized card storage, 3D Secure authentication, fraud detection rules, and encrypted data transmission.
Comparison
Custom JK Tech Hub vs Off-the-Shelf
Why custom-built delivers more value for your business.
| Feature | Custom (JK Tech Hub) | Off-the-Shelf |
|---|---|---|
| Gateway Options | Any gateway, smart routing | Limited to one provider |
| Indian Methods | UPI, wallets, COD, EMI, BNPL | Basic card + UPI only |
| Subscription Billing | e-NACH, retry logic, dunning | Basic recurring only |
| Split Payments | Marketplace payouts with TDS | Not available |
| Error Handling | Robust retry, fallback, reconciliation | Basic success/failure |
| Customization | Custom checkout, branding, flow | Standard checkout page |
Who Is This For?
Built for These Businesses
Our solution is designed for these industries and use cases.
eCommerce Businesses
Online stores needing multi-gateway integration, COD management, refund automation, and high payment success rates.
SaaS & Subscription Products
SaaS companies needing recurring billing, plan management, failed payment recovery, and usage-based charging.
Marketplace Platforms
Multi-vendor marketplaces needing split payments, vendor payouts, commission management, and TDS compliance.
Mobile App Developers
App developers needing in-app payments, subscription management, and seamless UPI integration for Android and iOS.
Our Process
How It Works
A proven 5-step process to deliver your solution.
Payment Flow Design
3-5 daysMap your payment scenarios — one-time, recurring, marketplace split, COD, EMI. Choose optimal gateways and design the checkout experience.
Gateway Setup & Configuration
3-5 daysCreate merchant accounts, configure API keys, set up webhook endpoints, and implement sandbox testing environment.
Integration Development
2-4 weeksBuild payment processing logic, webhook handlers, error handling, retry mechanisms, and reconciliation systems.
Testing & Security Audit
1 weekTest all payment flows end-to-end — successful payments, failures, refunds, edge cases. Security audit for PCI compliance.
Go-Live & Monitoring
2-3 days + OngoingSwitch to production credentials, enable real transactions, set up monitoring and alerts, and provide ongoing support.
Real Result
Proven with Real Clients
BZCarts — Custom E-Commerce Platform
BZCarts — E-Commerce / Retail
Built a custom e-commerce platform with React, Node.js, and PostgreSQL. Features include multi-tier pricing, inventory management, Razorpay payment integration, order tracking, admin dashboard, and mobile-responsive design.
200+
Products Listed
99.9%
Uptime
60%
Order Processing
70%
Mobile Sales
“Setting up our e-commerce platform with JK Tech Hub was a smooth experience. They handled everything — from design to payment integration to product listing. Our online store is running flawlessly and...”
— Jatin Vekariya, Founder, BZCarts
Integrations
Connects with Your Existing Tools
Seamless integration with the systems you already use.
Investment
Payment Gateway Integration Pricing
Transparent pricing with 30-50% savings vs metro agencies.
Basic
₹25,000
Starting from
Core features, small scale
Standard
₹75,000
Starting from
Full features with integrations
Enterprise
₹2,00,000+
Starting from
Advanced features, full customization
JK Tech Hub (Rajkot) offers 30-50% savings compared to Mumbai, Bangalore, and Delhi agencies.
Get a detailed estimateCommon Questions
Frequently Asked Questions
Everything you need to know about payment gateway integration.
How much does payment gateway integration cost?
Payment gateway integration costs ₹25,000-₹2,00,000+ depending on complexity. Basic single-gateway integration starts at ₹25,000. Multi-gateway with subscriptions and marketplace payouts is ₹75,000+. Enterprise payment infrastructure is ₹2,00,000+.
How long does payment integration take?
Basic integration (single gateway, one-time payments) takes 1-2 weeks. Multi-gateway with subscriptions takes 3-5 weeks. Full payment infrastructure with marketplace and analytics takes 5-8 weeks.
Which payment gateway is best for Indian businesses?
Razorpay is the most popular for startups and SMBs — easy integration, good UPI support, and ₹2% fees. For enterprise, Cashfree or PayU offer better rates at volume. We help you choose based on your transaction volume, payment mix, and business model.
Can you integrate UPI payments?
Yes. We integrate UPI through Razorpay, PhonePe Business, and direct UPI APIs. This includes UPI collect, UPI intent (one-tap), QR code payments, and UPI AutoPay for recurring mandates.
Do you handle PCI compliance?
Yes. We follow PCI DSS guidelines — no card data stored on your servers, tokenization for saved cards, 3D Secure for authentication, and encrypted API communication. We use gateway-hosted checkout pages where possible for simplest compliance.
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Get Free Payment Gateway Integration Consultation
Tell us about your requirements and get a detailed proposal with timeline and pricing. 150+ projects delivered, 4.9/5 rating, 3-month free support.