SaaS Payment API Integration Specialist

ONE CUSTOM PAYMENT API INTEGRATION, ACROSS STRIPE, AUTHORIZE.NET & PAYPAL

I'm Ajeet Kumar. I build the payment API integration layer SaaS teams put in front of Stripe, Authorize.Net, PayPal and other providers — so your product talks to one internal API and you can add, switch, or route between SaaS payment gateways without rewriting your billing logic.

One provider-agnostic payment API layer
True multi-provider payment integration & routing
Payment orchestration built for production traffic

Your SaaS Payment Architecture

Your SaaS Product
Unified Payment APIone interface · provider-agnostic
StripeAuthorize.NetPayPal+ next
Verified webhooksIdempotentRetriedReconciled

Three Provider Integrations, Zero Coherence

Most SaaS payment stacks grow one provider at a time. Stripe first, then Authorize.Net for a US enterprise deal, then PayPal because a big customer insists. Each integration ships as its own island, with its own webhook handler, its own retry rules, its own quirks leaking into product code.

Payment API unification is the fix — a single internal layer the rest of your system can rely on.

Stripe, Authorize.Net and PayPal integrations each written as a separate island

Adding a new SaaS payment gateway means rewriting billing logic

Webhook handling and retries live in three different code paths

No single view of failed payments across providers

Provider-specific quirks leak into product code that shouldn't know about them

What I Build

Payment API Integration & Orchestration Done Right

Custom SaaS financial technology built the way payment systems need — provider-agnostic, observable, safe to change, and designed for the failure paths that hurt revenue.

Unified Payment API Integration Layer

A single internal payment API that your product talks to — with adapters translating to Stripe, Authorize.Net, PayPal, or whatever comes next. Your billing logic stops caring which SaaS payment gateway is behind the scenes.

One API. Many providers.

Multi-Provider Payment Integration

Route payments across providers by region, currency, card type, method, or cost. True multi-provider payment integration — not a hard-coded if/else — so you can add SEPA via one provider and cards via another without a rewrite.

Route by rule, not by rewrite

Payment Orchestration & Fallback

Payment orchestration for real production traffic: intelligent retries across providers on soft declines, provider failover when a gateway degrades, and card-updater coverage that recovers renewals silently.

Fewer declines, more revenue

Webhook, Idempotency & Reconciliation

Signature-verified webhooks per provider, idempotent event handling, and a scheduled reconciliation job that compares each SaaS payment gateway's truth against your database. Silent failures stop being silent.

The backstop most integrations skip

Payment API Unification for Metrics

Payment API unification means MRR, ARR, failed-payment rate, decline reasons and provider mix all resolve to a single schema — so your dashboards agree with your finance team and your finance team agrees with your bank.

Metrics you can actually trust

Migration & Provider A/B Testing

Move a subset of traffic from one provider to another, A/B test cost or authorisation rates, or migrate off a gateway you've outgrown — all without your application code noticing.

Switch providers safely

What You Get

A Payment Stack That Stops Fighting Your Roadmap

The point of payment API unification isn't elegance — it's that adding, switching, or routing between SaaS payment gateways stops being a project.

One payment API your product talks to — many providers behind it

Route or fail over between Stripe, Authorize.Net, and PayPal by rule

Verified, idempotent webhook handling normalised across providers

A reconciliation backstop so silent failures stop being silent

Add a new SaaS payment gateway without touching application code

How I Build It

I Design for the Failure Paths First

Payment failures are silent. A webhook that never arrives throws no error. A gateway degradation looks exactly like a spike in declines. By the time anyone notices, the revenue is already gone. So I design for the failure paths first.

01

Provider-Agnostic Core

Your product talks to one internal payment API. Providers live behind adapters. Adding, replacing, or A/B-testing a SaaS payment gateway becomes a configuration change, not an application-code change.

02

Signature-Verified Webhooks

Every inbound event from every provider is verified as genuine before it touches your data. No spoofed events, no silent tampering, one normalised event shape reaching your product.

03

Idempotency Everywhere

Events arrive twice, out of order, and occasionally not at all. Every payment API integration operation is safe to repeat, so a duplicate delivery can never double-charge or double-record.

04

Queued Processing With Retries

Events are acknowledged fast and processed asynchronously, with retry logic and a dead-letter queue for anything that keeps failing. Nothing is dropped silently.

05

Reconciliation as a Backstop

A scheduled comparison between provider records and your database, per provider, flagging any difference. If a webhook is missed, this catches it before your finance team does.

06

Observability Built In

An event log covering every payment API call, webhook, retry and settlement — sliced by provider — plus alerts when a gateway degrades. You can see what your payment stack is doing without asking me.

Who I Work With

SaaS Teams Who Have Outgrown a Single-Provider Setup

SaaS founders whose payment integration has outgrown a single-provider setup

CTOs handling multiple currencies, regions or local payment methods

Teams planning a Stripe → Authorize.Net (or the reverse) migration without downtime

SaaS financial technology teams building embedded payments into their product

Founders who could build this themselves but want engineering time going into the product

How I Work

Working Software, Not Proposals

Phased Delivery

A scoped first phase — small, independently useful, delivered quickly. You judge working software rather than a proposal, then decide on the next phase.

Honest Scoping

If an existing connector or no-code orchestrator covers part of what you need, I'll tell you. Custom payment API integration is for the parts where accuracy and edge cases genuinely have to be guaranteed.

You Own What I Build

Hosting sits in your account. Documentation is written so another developer can pick it up. I build systems clients can maintain, not dependencies on me.

Direct Senior Attention

You work directly with me — the engineer building your integration — not an account manager relaying messages to a junior team.

Experience

17+ Years Building Payment & Integration Systems

For clients across the US, UK, Europe and Australia. My payment API integration work spans Stripe, Authorize.Net and PayPal, with recurring and subscription billing, WooCommerce, and API integration with HubSpot and accounting platforms.

17+

Years building payment & backend systems

3+

Gateways: Stripe, Authorize.Net, PayPal

1,000+

Monthly recurring clients on one build

~90%

Admin effort reduced vs manual process

Recent Work

A complete recurring billing infrastructure on Authorize.Net for an agency managing over 1,000 monthly recurring clients — tokenised payments, subscription lifecycle, webhook automation with idempotency, failed-payment recovery, reconciliation, and API integration with HubSpot for consistent customer data.

Replaced a manual process · ~90% less administrative effort

Ready to Unify Your Payment Integrations?

Tell me which providers you're running today and where the seams are showing. I'll tell you honestly what payment API integration work is worth doing, what an off-the-shelf orchestrator can still handle, and where your current setup is most likely to fail quietly.

No pitch. If you don't need me, I will say so.