EXPERT
✦ FINANCIAL ENGINEERING CRAFTSMANSHIP ✦ BACS, STRIPE GBP & OPEN BANKING

PCI-DSS Compliant Payment Gateway Engineering in United Kingdom

Accept payments from British consumers and corporate clients securely and affordably. Mr Umer Malik builds tailored payment checkout pipelines integrating BACS Faster Payments, TrueLayer Open Banking, Stripe GBP, and Apple Pay—contracted strictly outside IR35 under English Law.

INCLUDED
✦ COMMERCIAL DELIVERABLES ✦ UK STANDARDS

Core Capabilities & Production Deliverables

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

Stripe GBP & UK Merchant Gateways

Frictionless embedded checkout forms supporting British debit cards, Apple Pay, Google Pay, and Klarna with zero redirection.

BACS Faster Payments & Direct Debit

Automating direct debit collections and instant bank transfers via BACS and GoCardless for recurring UK subscription services.

TrueLayer Open Banking Integrations

Instant account-to-account payments using UK Open Banking APIs, cutting transaction processing fees to a fraction of standard card interchange.

FCA Strong Customer Authentication (SCA)

Seamless 3D Secure 2.0 biometric verification flows complying with UK Financial Conduct Authority standards without increasing checkout drop-off.

Automated UK VAT & Xero Invoicing

Automatic generation of UK 20% VAT receipts and instantaneous reconciliation with Xero and QuickBooks accounting software.

Outside-IR35 Commercial Terms

Fixed milestone delivery in GBP (£) with guaranteed turnaround times and full IP assignment under English Law.

ADVANTAGE
✦ BRITISH INDUSTRY FOCUS ✦ DIRECT SPECIALIST

Why British Businesses Choose Umer for Payments

Direct senior developer collaboration with zero agency markups, tailored for British financial regulations.

UK Business Hours Collaboration

Direct Slack, Teams, and phone access with senior engineer Mr Umer Malik throughout UK working hours.

Verified Commercial Standard ✓

100% Outside-IR35 Compliance

Fixed milestone delivery in GBP (£) with guaranteed delivery dates and full IP assignment under English Law.

Verified Commercial Standard ✓

Lower Transaction Processing Fees

Implement Open Banking and BACS to cut expensive 2%-3% card merchant fees down to pennies.

Verified Commercial Standard ✓

Direct Senior Developer Access

Work directly with the engineer writing your payment code with zero agency account managers.

Verified Commercial Standard ✓
PROCESS
✦ MILESTONE ROADMAP ✦ TRANSPARENT EXECUTION

Phased Delivery Roadmap & How This Project Runs

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

Phase 01: Compliance & Payment Scoping

Reviewing checkout requirements, SCA guidelines, and fixed pricing milestones in GBP (£).

Sprint Milestone

Phase 02: Sandbox Integration & Tokenization

Configuring Stripe GBP, Apple Pay, and webhook handling on a private UK staging environment.

Sprint Milestone

Phase 03: Open Banking & Xero Integration

Building TrueLayer bank verification, recurring BACS billing, and accounting reconciliation.

Sprint Milestone

Phase 04: Live Transaction Verification & Handover

Switching to live API keys, running verified test payments in GBP (£), full IP transfer, and 30-day warranty.

Sprint Milestone
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FAQ
✦ UK FAQ | COMMERCIAL TERMS & OUTSIDE IR35

Commercial FAQs for British Businesses

Clear answers on UK business hours alignment, fixed stage pricing in GBP (£), and outside-IR35 contracting.

How does UK Open Banking help reduce payment processing costs? ▼
Open Banking enables customers to pay directly from their British bank account (Barclays, HSBC, Lloyds) via Face ID, costing ~0.3%-0.5% compared to 1.5%-2.5% for credit cards.
How do you handle FCA Strong Customer Authentication (SCA)? ▼
We implement 3D Secure 2.0 authentication flows that trigger frictionless biometric verification through banking apps only when required by UK regulations.
Can customer invoices automatically sync with Xero or QuickBooks? ▼
Yes. Every successful payment automatically generates an authorized sales receipt in Xero or QuickBooks with accurate UK 20% VAT attribution.
Are payment gateway integration projects contracted outside of IR35? ▼
Yes. All engagements are deliverable-focused with defined milestones and fixed fees in GBP (£), executed strictly outside IR35.
Can you help set up recurring BACS direct debit payments? ▼
Yes. We integrate GoCardless or Stripe Direct Debit to automate recurring membership and retainer collections with automated mandate notifications.
Who owns the payment integration code and webhook handlers? ▼
You retain 100% intellectual property ownership of all custom payment source code and database schemas under English Law.
CONNECT

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

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UK REGIONS & COMMERCIAL CENTRES SERVED

England Scotland Wales
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