[ Payments that reconcile, not just succeed ]
Taking a payment is the easy part. Webhooks that never get missed, refunds and disputes handled, subscriptions that survive a failed card, and settlements that match your ledger — that is the actual work.
Taking a payment is the easy part. Webhooks that never get missed, refunds and disputes handled, subscriptions that survive a failed card, and settlements that match your ledger — that is the actual work.
Tell us where your customers pay fromPayment state comes from verified webhooks with idempotent handlers and a replay path — never from the browser redirect, which can simply not arrive.
Failed cards, partial refunds, disputes, expired subscriptions and duplicate submissions. These are most of the code and all of the support tickets.
Payouts matched to orders with fees and refunds accounted for, so your finance team is not exporting spreadsheets every month.
For domestic Indian collection, Razorpay or PayU with UPI is usually the better fit. Stripe is strongest for international and subscription revenue, and we will say which you need.
One-off payments done properly — Payment Intents, SCA, idempotency, verified webhooks and refunds that behave correctly in your system.
Recurring revenue with plan changes, proration, trials, dunning for failed cards and access rules that match the billing state.
Split payments, seller onboarding, payouts and platform fees through Stripe Connect, with the compliance and reporting that comes with it.
Stripe for international cards and subscriptions; Razorpay or PayU for domestic UPI and Indian methods. Often both, for different customers.
Every state a payment can be in and what your system does at each: pending, succeeded, failed, refunded, disputed, expired. Written down before code.
Payment Intents with SCA handled, idempotency keys on every create, and the client never trusted to report the outcome.
Signature verification, idempotent processing, a durable queue and a replay tool. This is where payment integrations quietly fail.
Proration, dunning for failed cards, upgrades and downgrades, cancellations and what access looks like on each. Billing logic is where most of the bugs live.
Payout reports matched to orders including fees and refunds, plus a test suite covering the failure cases against Stripe test mode.
Every payment integration works in the demo. What separates one that holds up is the unglamorous half: the webhook that arrives twice and must not charge twice, the customer who closes the tab before the redirect, the card that fails on renewal at three in the morning, and the month-end when finance asks why the settlement does not match the orders.
So we build from the webhook inward. Payment state is whatever the verified webhook says, handlers are idempotent, and there is a way to replay a missed event. Then reconciliation is designed rather than discovered, because that is the part your finance team lives with every month.
The redirect can fail, the tab can close, the network can drop. The webhook is the only reliable statement of what happened.
Keys on creation, idempotent webhook handlers. Payment systems retry by design, and a double charge is the worst kind of bug.
If finance cannot match payouts to orders including fees and refunds, the integration is not finished however well it takes money.
For domestic revenue, UPI through Razorpay or PayU has largely displaced cards. Stripe's strength here is international and subscription revenue rather than local collection.
SCA and 3D Secure are handled by the API rather than by your code, which removed a large source of regional failure cases.
Mandate registration and pre-debit notification are required for Indian recurring cards. Subscription logic built for other markets does not simply work here.
Razorpay or PayU for domestic collection — UPI, netbanking, Indian cards and the local settlement and compliance that comes with them. Stripe for international customers and for subscription products where its billing tooling is genuinely better. Plenty of businesses run both, routed by where the customer is, and we set that up as one flow.
Let’s talk about your stripe project. No obligation, just a conversation.
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