Build a payment platform — complex payment flows with Stripe at the core.
Stripe handles payments. But the payment flow — how users initiate, authorize, track, and reconcile payments — is what you build. Complex payment scenarios require custom platform logic around Stripe's API.
Founder or operator who needs a custom payment platform for complex payment flows — marketplace, escrow, multi-party, subscription, or usage-based — not a standard checkout page
Standard payment integration is a Stripe checkout page. A payment platform is the custom logic around complex payment flows.
Complex payment scenarios:
Marketplace: Buyer pays platform. Platform holds in escrow. Platform splits payment between seller (minus take rate) and itself. Requires Stripe Connect with separate accounts per seller.
Usage-based billing: Customer is billed monthly based on consumption. Requires Stripe Metered Billing with usage reporting and proration for mid-period changes.
Net terms: B2B customers pay on 30/60/90 day terms. Invoice issued, payment collected later. Requires invoice management, payment reminders, and late payment handling.
Multi-currency: International customers pay in their local currency. Currency conversion, local payment methods, and tax handling by jurisdiction.
Subscription with metered overages: Base subscription + per-usage charges above the base limit. Requires combining Stripe Billing products.
Payment platform deployed — custom payment flows on top of Stripe, with reconciliation, reporting, and multi-party distribution
Stripe Connect
marketplace and multi-party payment flows
Subscription billing
plans, trials, upgrades, downgrades
Metered billing
usage tracking and monthly reconciliation
Invoice management
net terms, manual invoicing, payment links
Reconciliation
payment matching to orders and invoices
Payment reporting
revenue, fees, refunds, disputes
One honest number to start.
Fixed-scope, fixed-price. The number below is the starting point — final scope is built from your brief.
Payment platform deployed — custom payment flows on top of Stripe, with reconciliation, reporting, and multi-party distribution
Three steps, every time.
The same repeatable engagement on every project. No surprises, no mystery, no billable ambiguity.
Brief & discovery.
We send you questions, then get on a call. Output: a written scope with every step, feature, and integration listed.
Build & ship.
Fixed schedule, weekly reviews. No scope creep unless you change the scope — and if you do, we reprice it transparently.
Warranty & retainer.
30-day warranty on every launch. Most clients stay on a monthly retainer for ongoing features and maintenance.
Why Fixed-Price Matters Here
Payment platforms have defined payment flow logic. Fixed-price from the spec.
Related engagements.
Questions, answered.
Yes for US and most international markets. Adyen for enterprise-scale and specific local payment methods. Paddle for software businesses who want to outsource tax compliance (Paddle is the Merchant of Record). The choice is made in the spec.
Stripe supports ACH Direct Debit (bank pull) and ACH Credit Transfer. ACH is lower cost (0.8%, capped at $5) than card (2.9%). Bank verification flow adds friction — used for subscription or large B2B transactions where cost savings justify it.
Tell Ryel about your project.
Describe what you’re building and what outcome you need. You’ll have a written, fixed-price scope within the week.