Digital Payment Development Services

Digital wallets, SoftPOS, open-loop transit payments, embedded finance, and AI-driven commerce are creating new opportunities across the payment ecosystem. Edvantis helps organisations design, build, integrate, and certify secure, scalable payment solutions — from applications and terminal software to wallets, gateways, and ecosystem integrations.

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Our recognition
TÜV SÜD ISO 27001 Edvantis IBA-silver-stevie-award-winner
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11+ years
of payment software expertise
700+ banks
use the solution we co-developed for our client
1M+ users
of payment solutions we helped deliver

Our Payment Software Development Services

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Payment Application Development

Build secure, scalable payment applications for online, in-store, and mobile experiences. We help banks, payment providers, processors, and technology vendors launch products faster, covering card-present and card-not-present transactions, digital wallets, mobile payments, and terminal-based environments.
http://transfer

Third-Party Payment Processing Integrations

We help connect gateways, processors, banks, acquirers, card schemes, and enterprise platforms through robust integration frameworks and API-driven architectures. Our teams build the connectivity layer that enables seamless transaction processing, partner onboarding, and ecosystem expansion.

Digital Wallet and SoftPOS Development

Transform smartphones and tablets into secure payment acceptance devices and deliver modern wallet experiences. We help develop mobile-first payment products, from consumer wallets and merchant payment applications to Tap-to-Phone solutions. Our engineers support wallet integrations, contactless payments, and certification preparation.

POS Software Development and Terminal Integrations

Create modern POS experiences across terminals, devices, and connected commerce ecosystems. We develop and integrate POS software that connects payment acceptance, business operations, and customer engagement, with expertise in terminals, contactless technologies, middleware, and ecosystem integrations.
http://software-green

IoT & Device Firmware Integration

Enable secure payment experiences across connected devices and embedded systems. We help integrate payment capabilities into kiosks, self-service terminals, IoT devices, and embedded platforms. Our teams combine device firmware engineering with payment domain expertise to build secure, reliable, and scalable solutions for unattended payment scenarios.
http://dedicated%20team

End-to-End (E2E) Payment Consulting

Navigating the complex landscape of payment options can be challenging. That’s where we come in. Our consulting services are designed to provide business owners with expert guidance, helping you make informed decisions and maximize the potential of your payment systems.

Payment Software Testing and Certification Support

Reduce implementation risk with specialised payment testing and certification expertise. Testing payment software requires deep domain knowledge and familiarity with certification processes. Our specialists support functionality, security, compliance, and certification readiness throughout the product lifecycle.
id52979
http://fintech%20icon

Payment Application Development

Build secure, scalable payment applications for online, in-store, and mobile experiences. We help banks, payment providers, processors, and technology vendors launch products faster, covering card-present and card-not-present transactions, digital wallets, mobile payments, and terminal-based environments.
http://transfer

Third-Party Payment Processing Integrations

We help connect gateways, processors, banks, acquirers, card schemes, and enterprise platforms through robust integration frameworks and API-driven architectures. Our teams build the connectivity layer that enables seamless transaction processing, partner onboarding, and ecosystem expansion.

Digital Wallet and SoftPOS Development

Transform smartphones and tablets into secure payment acceptance devices and deliver modern wallet experiences. We help develop mobile-first payment products, from consumer wallets and merchant payment applications to Tap-to-Phone solutions. Our engineers support wallet integrations, contactless payments, and certification preparation.

POS Software Development and Terminal Integrations

Create modern POS experiences across terminals, devices, and connected commerce ecosystems. We develop and integrate POS software that connects payment acceptance, business operations, and customer engagement, with expertise in terminals, contactless technologies, middleware, and ecosystem integrations.
http://software-green

IoT & Device Firmware Integration

Enable secure payment experiences across connected devices and embedded systems. We help integrate payment capabilities into kiosks, self-service terminals, IoT devices, and embedded platforms. Our teams combine device firmware engineering with payment domain expertise to build secure, reliable, and scalable solutions for unattended payment scenarios.
http://dedicated%20team

End-to-End (E2E) Payment Consulting

Navigating the complex landscape of payment options can be challenging. That’s where we come in. Our consulting services are designed to provide business owners with expert guidance, helping you make informed decisions and maximize the potential of your payment systems.

Payment Software Testing and Certification Support

Reduce implementation risk with specialised payment testing and certification expertise. Testing payment software requires deep domain knowledge and familiarity with certification processes. Our specialists support functionality, security, compliance, and certification readiness throughout the product lifecycle.
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Benefit From Our Expertise to Create a Perfect Payment Solution

For us, it’s not only about software development; it’s about fostering lasting partnerships and co-creating innovative solutions that reshape payment processes. Our expertise spans various critical domains, guaranteeing the security, efficiency, and adaptability of your payment ecosystem.

We help organisations build payment solutions that are secure, compliant, and certification-ready. Our expertise covers PCI DSS, EMVCo, PSD2/SCA, and SoftPOS certification requirements, as well as encryption, tokenisation, cryptographic key management, secure firmware development, and end-to-end testing. We also support certification pre-testing and accredited-lab coordination, helping reduce risk and accelerate product readiness. 

Deliver certification-ready payment applications with support across the entire EMV transaction lifecycle. Our teams provide EMV Level 3 application engineering, including transaction flow design for approvals, declines, reversals, fallback, and offline scenarios, as well as ICS preparation and acquirer host integration.

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As we navigate toward a cashless society, NFC technologies gain greater prominence in our day-to-day lives. Edvantis combines expert NFC consulting with flexible IT services through our stackable service models to assist you in crafting competitive software products. Embrace the potential of contactless technologies to achieve security, convenience, and efficiency in your payment processes.

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We help organisations explore the next generation of payment experiences powered by AI. Our expertise includes agent-assisted checkout flows, AI-driven customer retention and card activation, and payment infrastructure designed for autonomous agents. This enables businesses to prepare for emerging commerce models while maintaining secure and reliable payment operations.

Accelerate integrations, simplify ecosystem management, and deliver connected payment experiences at scale. We help build secure integration frameworks that connect payment systems with acquirers, processors, card schemes, enterprise platforms, ERP systems, and IoT devices. Our expertise spans REST and GraphQL APIs, payment middleware engineering, custom SDK development, device integrations, and orchestration of third-party services such as fraud prevention, identity verification, loyalty, FX, and notifications.  

We help organisations build payment solutions that are secure, compliant, and certification-ready. Our expertise covers PCI DSS, EMVCo, PSD2/SCA, and SoftPOS certification requirements, as well as encryption, tokenisation, cryptographic key management, secure firmware development, and end-to-end testing. We also support certification pre-testing and accredited-lab coordination, helping reduce risk and accelerate product readiness. 

Deliver certification-ready payment applications with support across the entire EMV transaction lifecycle. Our teams provide EMV Level 3 application engineering, including transaction flow design for approvals, declines, reversals, fallback, and offline scenarios, as well as ICS preparation and acquirer host integration.

Learn more

As we navigate toward a cashless society, NFC technologies gain greater prominence in our day-to-day lives. Edvantis combines expert NFC consulting with flexible IT services through our stackable service models to assist you in crafting competitive software products. Embrace the potential of contactless technologies to achieve security, convenience, and efficiency in your payment processes.

Learn more

We help organisations explore the next generation of payment experiences powered by AI. Our expertise includes agent-assisted checkout flows, AI-driven customer retention and card activation, and payment infrastructure designed for autonomous agents. This enables businesses to prepare for emerging commerce models while maintaining secure and reliable payment operations.

Accelerate integrations, simplify ecosystem management, and deliver connected payment experiences at scale. We help build secure integration frameworks that connect payment systems with acquirers, processors, card schemes, enterprise platforms, ERP systems, and IoT devices. Our expertise spans REST and GraphQL APIs, payment middleware engineering, custom SDK development, device integrations, and orchestration of third-party services such as fraud prevention, identity verification, loyalty, FX, and notifications.  

Industries That Benefit the Most
from a New Payment Experience

Secure and scalable payment infrastructure is a staple for every company across industries. Edvantis’ technical expertise and tested software delivery frameworks can complement your domain knowledge to result in new payment software solutions. We have co-created payment software solutions for the following industries:

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Leisure & Hospitality
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Retail & Wholesale
Transportation
Food & Restaurants
Smart Cities
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Warehousing
Health & Wellness
http://media
Media & Telecom
http://software
Software & Hi-Tech
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Our Cooperation Models

We offer flexible engagement models designed to support payment software initiatives at every stage, from strategy and certification planning to product development, integration, and long-term evolution. 

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The payment industry has changed a lot in the past years, creating a more seamless experience. To continue this path of innovation, software development is a key to deliver secure transactions, improving customer experiences and staying ahead of evolving regulatory requirements. Edvantis specializes in helping you develop a perfect solution, ensuring it remains agile, reliable, and prepared for the next era of payments.

How Edvantis Helped Transform Swedish Public Transportation with Innovative Payment Solutions

Stockholm’s Lokaltrafik AB (SL), a publicly owned transit company serving all public transportation needs in Stockholm County, wanted to create a sustainable transportation system to make Stockholm Europe’s most attractive metropolitan region. To bring this vision to life, SL was looking for a technology partner to develop a platform validator as well as a new portable ticketing device for their conductors.

SL has collaborated with Modulsystem, a leading ticketing and payment system provider in Scandinavia, for the delivery of specific components of the ticketing solution. Following a thorough evaluation process, Edvantis was selected as their project partner. Together, we developed a connected ticketing device that enhances the daily travel experience for up to 1 million passengers.

Together we:

  • Designed a payment device that acts as a cash register, an e-ticketing machine, and a validator for SL transport cards.
  • Integrated third-party applications, broadening the device's capabilities for both passengers and conductors.
  • Established point-of-sale (POS) capabilities, enabled validation and payments through EMV, White label, and Aztec codes.
  • Implemented a flexible app architecture, allowing sysadmins to tailor the device to the needs of different transport operators.
This collaboration not only helped Stockholm's Lokaltrafik meet the stringent requirements set by the Swedish Work Environment Authority but also allowed them to pioneer an innovative connected ticketing solution.
modulsystem

Let’s create your payment software solution!

Payment Integration Success Stories

Why Partner with Us

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Payment Software Expertise

We bring deep expertise across the payment ecosystem, helping clients build payment applications, digital wallets, SoftPOS solutions, payment gateways, and terminal software. Our teams understand both the business and technical complexities of modern payment systems, enabling faster delivery and lower implementation risk.

Certification-Ready Engineering

Payments require more than software development. We support PCI DSS, EMVCo, PSD2/SCA, PCI MPoC, and other certification-driven initiatives, helping clients navigate compliance requirements while building secure and reliable payment solutions.

End-to-End Payment Ecosystem Experience

From acquirer and processor integrations to card schemes, ERP platforms, IoT devices, and third-party services, we help organisations connect complex payment ecosystems through scalable APIs, middleware, and integration frameworks.
http://dedicated%20team

Senior Payment Engineering Talent

Gain access to experienced engineers, architects, and domain specialists with hands-on expertise in payment applications, Android POS, terminal integrations, digital wallets, secure firmware, and payment infrastructure development.

Payments Innovation and Future Readiness

Stay ahead of industry change, from contactless payments and SoftPOS adoption to emerging AI-powered commerce models. Our teams combine proven payment expertise with modern technologies to help clients launch new services and adapt to evolving customer expectations.
id59647
http://fintech%20icon

Payment Software Expertise

We bring deep expertise across the payment ecosystem, helping clients build payment applications, digital wallets, SoftPOS solutions, payment gateways, and terminal software. Our teams understand both the business and technical complexities of modern payment systems, enabling faster delivery and lower implementation risk.

Certification-Ready Engineering

Payments require more than software development. We support PCI DSS, EMVCo, PSD2/SCA, PCI MPoC, and other certification-driven initiatives, helping clients navigate compliance requirements while building secure and reliable payment solutions.

End-to-End Payment Ecosystem Experience

From acquirer and processor integrations to card schemes, ERP platforms, IoT devices, and third-party services, we help organisations connect complex payment ecosystems through scalable APIs, middleware, and integration frameworks.
http://dedicated%20team

Senior Payment Engineering Talent

Gain access to experienced engineers, architects, and domain specialists with hands-on expertise in payment applications, Android POS, terminal integrations, digital wallets, secure firmware, and payment infrastructure development.

Payments Innovation and Future Readiness

Stay ahead of industry change, from contactless payments and SoftPOS adoption to emerging AI-powered commerce models. Our teams combine proven payment expertise with modern technologies to help clients launch new services and adapt to evolving customer expectations.
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Our Cooperation Process and Stages

Our payment software development services empower you with the knowledge to make the best decisions. We follow a transparent process in our approach to new partnerships:

  • 01
    Pre-engagement (Analysis and Research)

    Before the journey begins, we delve into the intricacies of your project, conducting a thorough analysis to understand your unique business challenges.

  • 02
    Proposal (Including a Cooperation Model)

    We propose a comprehensive plan for optimal results, tailored to your specific needs. This includes a detailed cooperation model, outlining how we align our payment expertise with your vision.

  • 03
    Engagement Kick-off (Agreements and Alignment)

    We formalize our joint commitment to the proposed payment software solution, putting agreements in place, and aligning our strategies for a successful partnership.

  • 04
    Co-creation

    As trusted partners, we co-create your custom payment product. Our software experts collaborate closely with your team and develop an innovative solution.

  • 05
    Delivery

    Our efforts culminate in the delivery of a cutting-edge payment software solution. We focus on enhancing your financial operations, utilizing rigorous testing to deliver seamless integration.

What Our Clients Say

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Seth Krauss
CTO and Partner, KPC Labs
Edvantis has been instrumental in most of our key deliverables for the past decade and are the only vendor that has established themselves as a strategic partner.
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Juergen Goldmann
CEO, ATRON Systems Sweden AB
Edvantis has been able to cope with our demands in a short time. They’ve raised the right questions, which means they know what they’re talking about.
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Thomas Reimann
Head of Billing & Backend, Freenet Group
Edvantis has intelligent people on board, competent and ready to get the job done. Their professionalism and approach has made for a good experience thus far.
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Martin Day
CEO, Safety Media Inc.
Their ability to listen carefully to our requirements and to bring top-level development talent, testers, and project managers was very impressive and unique.
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Torbjörn Henryson
Business Developer, Modulsystem
Edvantis is always friendly and listens well. We also have good communication with management. We’re happy to partner with them.
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Christoph Tahedl
Former CTO, Collenda
Edvantis helped in the digitalization part of our products. They are willing to do overtime if necessary, so we were able to meet every timeline.
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Elliott Lander
Managing Director, ATR
The level of communication sets them apart. We’ve had great cooperation through the entire history of our working with them. Our relationship has been highly successful.
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Jeff Hotz
President, TESTCo
Edvantis is a PARTNER — not a vendor. I started very early with Edvantis and was impressed with the depth of talent and the individual commitment by the CEO.
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Rob Beauchamp
Co-founder of Tapigo
Edvantis quickly put together a comprehensive, multi-disciplined team and we were defining the initial deliverables within a week of the request.
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Tim Nichol
Former VP of Development, Factory Logic
We found them to be credible and highly technically competent. They helped us with all of our features, working alongside our existing engineering team.
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Kent Pickard
CTO, Bluetail
There doesn't seem to be anything they can't do. This is extremely valuable to us in our relationship. It feels like a partnership.
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Dr. Dominik Holling
Senior Expert DevOps & Continuous X, ITK Engineering GmbH
Edvantis has excellent engineers, which our engineer could learn from (particularly with test framework selection).
Scott Brittain
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Scott Brittain
Former CTO, TrustRadius
It’s hard to find a staffing company that’s willing to deliver a smooth partnership on top of assuring that you always work with high-quality resources.
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Henrik Schmidt
CTO, SEMDATEX GmbH
Edvantis succeeds where others fail. We were getting nowhere with our previous vendor, and Edvantis turned things around in no time flat.
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Michael Saringer
CEO, Alturos Destinations GmbH
We've been surprised by Edvantis. Their team has performed much better than other [development] resources. My teams have given great feedback on them.
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Uri Golan
Head of Operations & Finance, Data Security Company
Demonstrated a strong work pace and exceptional dedication, reflected in highly successful outcomes and an outstanding volume of deliverables.
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Wolfgang Beeck
CTO, Unicepta GmbH
Everything was delivered on time and with high quality. We successfully migrated to a new database version and architecture.
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Steve Frey
CEO, Oasis Housing Corporation
We’ve created a good partnership and I try to refer others to them. We haven’t faced any of the pitfalls associated with an overseas team.
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Robert Alvarez
Formerly CFO & COO, BigCommerce
They have a strong work ethic, they were committed to the deliverables, and they took it very seriously.
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Kenneth Nelson
COO, Study Aloud
Their warmth, encouragement, and expertise wrapped in all of one service in an industry that's traditionally cold. They are very understanding and precise in managing projects.

Our Clients on Working With Us

Drop Us a Line
About Your Project

Submit the form or get in touch with us by email. You’ll get a response within one business day from an Edvantis expert skilled in your tech stack, industry, or specific business challenge. It would be a pleasure to work with you!

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    Torbjörn Henryson
    Business Developer, Modulsystem
    Edvantis is always friendly and listens well. We also have good communication with management. We’re happy to partner with them.
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