Secure Payment Gateway & Checkout Engineering for US 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 US e-commerce and SaaS platforms under Delaware mutual NDA.
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 US 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 calculation at checkout via Stripe Tax or TaxJar based on dynamic customer shipping addresses.
Why US Platforms Hire Umer for Payments
Zero-downtime, secure payment engineering that maximizes revenue capture and ensures regulatory compliance.
99.99% Transaction Reliability
Idempotent API requests preventing duplicate customer charges even during mobile network dropouts.
PCI-DSS Level 1 Compliance
Architected so your web application qualifies for the simplest self-assessment questionnaire (SAQ-A).
Delaware Mutual NDA Protection
Strict confidentiality protecting proprietary billing schemas, merchant credentials, and transaction logs.
Synchronized US Daytime Collaboration
Direct Slack collaboration with lead architect Mr Umer Malik during your working hours.
Phased Delivery Roadmap & How This Project Runs
Structured from initial discovery call to production deployment and 100% intellectual property transfer.
Phase 01: Payment Flow & Compliance Scoping
Designing subscription models, gateway endpoints, and agreeing on fixed milestone quotes in USD.
Phase 02: Stripe Sandbox & Tokenization Integration
Implementing Stripe Elements, Apple Pay, and webhook handling on an isolated staging environment.
Phase 03: ACH Verification & Webhook Resilience
Building Plaid bank verification, subscription webhooks, and automated retry logic.
Phase 04: Production Migration & Live Test Transaction
Switching to live API keys, running verified test charges, full source transfer, and 30-day warranty.
US Founder Frequently Asked Questions
Clear answers on US business hours alignment, USD milestone billing, and Delaware mutual NDA protection.
How do you ensure our website meets PCI-DSS compliance standards? ▼
Can you integrate ACH payments to lower our transaction processing fees? ▼
How do you handle dropped webhooks and network timeouts? ▼
Can you migrate our existing customer payment tokens between processors? ▼
Who owns the payment integration code and webhook handlers? ▼
What warranty is included after payment gateway launch? ▼
Great dreams deserve craftsmanship, not compromises. Let’s build yours.
US METROS & STATES ACTIVELY SERVED
© 2026 UMER XPERT. SERVING THE UNITED STATES — COAST TO COAST. All rights reserved. Contracts executed under Delaware mutual NDA.