EXPERT
✦ ENTERPRISE SOFTWARE ENGINEERING ✦ HIGH CONCURRENCY

Secure Payment Gateway & Checkout Engineering for Pakistani Digital Platforms

Engineer frictionless, PCI-compliant payment flows that maximize transaction authorization rates and eliminate billing drop-offs. Mr Umer Malik builds custom payment gateways, Stripe Elements integrations, and ACH billing pipelines for Pakistani e-commerce and SaaS platforms under bilateral mutual NDA under Pakistani Law.

INCLUDED
✦ TECHNICAL CAPABILITIES ✦ P@SHA STANDARDS

Core Capabilities & Production Deliverables

Direct architectural execution by senior engineer Mr Umer Malik with zero agency dilution.

Stripe Elements & Custom Checkout UI

High-converting embedded payment forms utilizing Stripe Elements and Apple Pay / Google Pay with zero checkout redirection.

ACH Direct Debit & Plaid Bank Verification

Lower transaction fees for high-ticket Pakistani transactions via Plaid instant bank account verification and Stripe ACH direct debits.

Recurring Subscription & Usage-Based Billing

Prorated subscription tiers, usage-based metered billing, automated dunning email sequences, and failed payment retries via Stripe Billing.

PCI-DSS Compliance & Tokenization

Zero plain-text credit card storage; end-to-end tokenization ensuring your server never touches sensitive payment cardholder data.

3D Secure 2.0 & Radar Fraud Prevention

Configuring Stripe Radar machine learning fraud rules and 3DS2 challenge flows to reduce chargebacks without adding customer friction.

Automated Multi-State Sales Tax Calculation

Real-time sales tax (FBR) calculation at checkout via Stripe Tax or TaxJar based on dynamic customer shipping addresses.

ADVANTAGE
✦ PAKISTAN MARKET FOCUS ✦ DIRECT SPECIALIST

Why Pakistani Scale-Ups Choose Direct Senior Engineering

Local software houses deliver fragile code and cycle junior interns through your project. Here is the direct senior engineering alternative.

PKT (UTC+5) Instant Daytime Collaboration

Direct, real-time collaboration with senior software architect Mr Umer Malik during standard business hours via Slack, WhatsApp, or phone.

Verified Commercial Standard ✓

Predictable Milestone Pricing in PKR & Legal NDA

Deliverables quoted in transparent Pakistani Rupees (PKR) with zero open-ended billing, backed by SECP-compliant bilateral mutual NDA and 100% IP assignment.

Verified Commercial Standard ✓

Sub-30ms Local Edge Caching & Optimization

Systems optimized specifically for Pakistani broadband and mobile data networks (PTCL, Nayatel, StormFiber, Jazz 4G), eliminating lag.

Verified Commercial Standard ✓

Direct Senior Principal Partnership

Work directly with the lead engineer writing your production architecture with zero account managers or communication lag.

Verified Commercial Standard ✓
PROCESS
✦ DELIVERY SPRINT ROADMAP ✦ VERIFIABLE MILESTONES

Phased Delivery Roadmap & How This Project Runs

Structured from initial discovery call to production deployment and 100% intellectual property transfer.

Phase 01: Architecture Scoping & Fixed PKR Milestone Scoping

30-minute scoping call to map technical requirements, database architecture, and agree on fixed milestone pricing in PKR with zero hidden fees.

Sprint Milestone

Phase 02: Private Git Repository & Staging Environment

GitHub repository initialized under your organization, signed bilateral mutual NDA under Pakistani Law, and private staging environment deployed.

Sprint Milestone

Phase 03: Fast Iteration Sprints & Weekly Staging Demos

Daily code commits and weekly staging demo links where you test functional features with real data throughout the sprint.

Sprint Milestone

Phase 04: Production Launch, Load Testing & 100% IP Handover

Zero-downtime cutover, sub-30ms network speed tuning, FBR / payment gateway certification, and 100% source handover + 30-day warranty.

Sprint Milestone
Schedule Initial Discovery →
FAQ
✦ FAQ | OPERATIONAL METRICS

Frequently Asked Questions

Review the standard engagement guidelines and operational parameters.

How do you ensure our website meets PCI-DSS compliance standards? ▼
We use tokenized checkout libraries (like Stripe Elements) where credit card numbers are transmitted directly from the user browser to Stripe vault, meaning your server never touches raw card data.
Can you integrate ACH payments to lower our transaction processing fees? ▼
Yes. ACH direct debit fees are capped at $5 per transaction compared to 2.9% credit card fees, saving thousands for high-ticket Pakistani B2B and invoice payments.
How do you handle dropped webhooks and network timeouts? ▼
We implement idempotent webhook handlers with cryptographic signature verification and exponential backoff retry queues, ensuring orders are never lost or double-billed.
Can you migrate our existing customer payment tokens between processors? ▼
Yes. We coordinate secure, encrypted token migration between Stripe, Braintree, and Authorize.Net without requiring customers to re-enter card numbers.
Who owns the intellectual property and code repository? ▼
You retain 100% of all intellectual property, source code, and database schemas. Every commit is pushed directly to your private GitHub organization with full IP assignment under Pakistani Law.
What post-launch warranty and support is included? ▼
Every deployment includes 30 days of comprehensive post-launch warranty support covering bug fixes, speed tuning on Pakistani networks, and system monitoring.
CONNECT

Great dreams deserve craftsmanship, not compromises. Let’s build yours.

Book Consultation →

REGIONAL OPERATIONS / STATES WE SERVE

Sindh Punjab Islamabad Capital Khyber Pakhtunkhwa Balochistan
ABOUT ME PROJECT LOGS CLIENT REVIEWS ACCORDION FAQ CONTACT SQUAD REGIONS PRIVACY TERMS
Global Hubs: 🇺🇸 United States 🇬🇧 United Kingdom 🇦🇪 UAE 🇸🇦 Saudi Arabia 🇧🇭 Bahrain 🇵🇰 Pakistan 🇦🇺 Australia All Sovereign Regions →
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