Payment Processing
High-throughput payment gateway supporting credit/debit cards, ACH, wire transfers, and digital wallets with real-time authorization and settlement.
Stripe Clone App Development
Stripe Clone App Development.
Stripe clone app development builds payment infrastructure with card processing, subscription billing, developer APIs and fraud detection — the fintech rails startups need to accept payments globally. Codazz delivers a PCI-compliant payment gateway and merchant dashboard on Node.js, typically in 24–40 weeks for production-grade scope.
- MVP scope
- Starting From
- 48hrs
- Proposal Turnaround
Independently audited, certified and built to standards you can check
Core Features
Everything Your Payment Platform Needs.
Subscription Billing
Flexible recurring billing engine with plan management, proration, trial periods, usage-based pricing, dunning, and automated invoice generation.
Invoicing System
Professional invoice creation and management with customizable templates, automatic reminders, partial payments, and tax calculation.
Fraud Detection
AI-powered fraud prevention with real-time risk scoring, velocity checks, device fingerprinting, 3D Secure, and customizable fraud rules.
Multi-Currency Support
Process payments in 135+ currencies with automatic conversion, local payment methods, and region-specific compliance for global operations.
Developer APIs
RESTful and GraphQL APIs with comprehensive SDKs, webhooks, idempotency keys, sandbox environment, and interactive API documentation.
Payout Management
Automated merchant payouts with configurable schedules, split payments, marketplace disbursements, and multi-bank account support.
Reporting Dashboard
Real-time analytics with transaction monitoring, revenue metrics, churn analysis, reconciliation reports, and customizable data exports.
PCI Compliance
PCI DSS Level 1 compliant infrastructure with tokenization, encrypted vault storage, secure hosted payment fields, and audit trail logging.
Webhooks & Events
Reliable event notification system with retry logic, event filtering, delivery monitoring, and comprehensive webhook management console.
Development Process
How We Build Your Payment Platform.
- 01
Discovery & Compliance
3-4 weeksRequirements analysis, regulatory research, PCI compliance planning, and system architecture design.
Requirements DocCompliance PlanSystem ArchitecturePCI Roadmap - 02
Core Payment Engine
16-20 weeksPayment processing, tokenization, merchant onboarding, basic APIs, and transaction management.
Payment GatewayTokenizationMerchant OnboardingREST APIs - 03
Advanced Features
12-18 weeksSubscription billing, fraud detection, multi-currency, developer portal, and reporting dashboard.
Subscription BillingFraud DetectionMulti-CurrencyDeveloper Portal - 04
Security & Compliance
4-6 weeksPCI audit preparation, penetration testing, security hardening, and compliance documentation.
PCI Audit PrepPen TestingSecurity HardeningCompliance Docs - 05
Launch & Certification
3-4 weeksPCI certification, staged rollout, monitoring setup, and post-launch support infrastructure.
PCI CertificationStaged RolloutMonitoring SetupSupport Infrastructure
Technology
The Stack Behind Your Platform.
Backend
Node.jsGogRPCMicroservicesDatabase
PostgreSQLRedisTimescaleDBVaultFrontend
ReactNext.jsTypeScriptStorybookInfrastructure
AWSDockerKubernetesTerraform
Investment
Transparent Pricing. No Surprises.
Every project receives a detailed, fixed-price proposal after our free discovery call. No hidden fees, no scope creep.
MVP
MVP scope
Core payment processing with card payments, basic APIs, merchant dashboard, and essential security. Perfect for validating your fintech concept.
- Payment Processing
- Merchant Dashboard
- REST APIs & SDKs
- Basic Reporting
- PCI Compliance
Full Product · Recommended
Full platform scope
Complete payment infrastructure with subscription billing, fraud detection, multi-currency, developer portal, and enterprise analytics.
- Everything in MVP
- Subscription Billing
- AI Fraud Detection
- Multi-Currency
- Developer Portal
- Payout Management
Frequently asked questions
Common questions about Stripe clone app development — cost, timeline and features.
Ask Us AnythingA payment MVP covers card processing and basic APIs. Full Stripe-like platform adds subscriptions, fraud detection, multi-currency and PCI Level 1 compliance — the largest cost driver is regulatory and banking integration scope.
Payment MVP: 24–28 weeks. Full payment platform with subscriptions, fraud, invoicing and PCI certification: 32–40 weeks.
Payment processing, merchant dashboard, developer APIs, webhooks and sandbox. Advanced scope adds subscription billing, fraud detection, invoicing, multi-currency and PCI DSS Level 1 architecture.
Tokenization at the boundary, encrypted vault, network segmentation, audit logging and QSA-ready documentation. We architect for PCI Level 1 from day one.
Yes — plan management, proration, trial periods, usage-based pricing, dunning for failed payments and automated invoice generation.
Yes — compliance updates, security monitoring, API versioning, fraud rule tuning and scaling under SLA.
Explore More Solutions
Other ready-to-customise platforms we build on the same delivery model.
Ready to Build Your Payment Platform?
From checkout to settlement — let us build the payment infrastructure that powers your financial ecosystem.