ROOT / SERVICES / PAYMENT-GATEWAYS
SERVICE // ETHICSCOMPUTER

Payment → Verify → Process → Confirm.

A slow checkout or unverified browser redirect destroys transaction conversion and creates ghost orders. We engineer hardened, server-side payment pipelines with cryptographic HMAC-SHA256 signature verification, instant UPI intent, and asynchronous webhook reconciliation.

HMAC
Cryptographic Security
0%
Client-Side Tampering
< 1s
Webhook Fulfillment
UPI + Card
Domestic & International
Transaction State Pipeline ACTIVE GATEWAY SPEC
01 CUSTOMER CHECKOUT
Item cart, billing address, session token initiated
Client Side
↓ Server-Side Order ID Generated
02 IMMUTABLE ORDER LOCK
Amount, currency, and receipt locked server-side via API
Locked Hash
↓ Gateway Bridge (UPI / Card / NetBanking)
03 GATEWAY PROCESSING
Razorpay / Cashfree / Stripe secure payment processing
PCI-DSS Level 1
↓ Asynchronous Webhook Trigger (S2S)
04 CRYPTOGRAPHIC VERIFICATION
HMAC-SHA256 signature verified against secret key
Verified
↓ Deterministic Status Branch
05 TRANSACTION STATUS
payment.captured → Commit | payment.failed → Graceful retry
Idempotent
↓ Production State Mutation
06 ORDER FULFILLMENT
Inventory decremented, GST invoice generated, WhatsApp alert sent
Complete
LATENCY: < 850ms WEBHOOK 100% FRAUD IMMUNE
// CHECKOUT BOTTLENECKS

Where Most Online Payment Integrations Fail

Flawed payment code leads to lost orders, ghost balances, customer chargebacks, and checkout abandonment.

01 / CLIENT REDIRECT RELIANCE

Lost Pending Orders

If a buyer closes their mobile browser before the bank redirects back to your success page, the payment is captured but the order never triggers.

02 / AMOUNT TAMPERING

Client-Side Manipulation

Amateur integrations passing price amounts directly from HTML form fields allow malicious users to alter ₹5,000 items to ₹1 in Developer Tools.

03 / HIGH CART ABANDONMENT

Slow UPI Intent Handoff

Requiring mobile shoppers to manually type their Virtual Payment Address (VPA) instead of deep-linking Google Pay or PhonePe causes 40%+ drop-offs.

04 / RECONCILIATION CHAOS

Missing Gateway Settlement Logs

Lack of automated webhook syncing creates manual reconciliation headaches at month-end when trying to match bank deposits against GST invoices.

// CAPABILITIES

What EthicsComputer Integrates

From domestic Indian UPI AutoPay mandates to international multi-currency Stripe checkouts.

INTEGRATION 01 // DOMESTIC

Razorpay & Cashfree Checkout

Direct integration supporting seamless UPI intent, Credit/Debit cards with tokenization, Net Banking across 50+ banks, and cardless EMI.

UPI Deep Link Card Tokenization Sub-Second Handoff
INTEGRATION 02 // GLOBAL

Stripe Multi-Currency Checkout

Global payment gateway accepting USD, EUR, GBP, and international cards with 3D Secure 2 authentication and automated foreign currency conversion.

Multi-Currency 3D Secure 2 Export Compliant
INTEGRATION 03 // ON-SCREEN

Dynamic UPI QR Code Generation

Generate instant transaction-specific QR codes on desktop checkout and billing kiosk screens with automatic polling for payment confirmation.

Dynamic QR Instant Polling POS Ready
INTEGRATION 04 // SUBSCRIPTIONS

UPI AutoPay & Recurring Mandates

Automated recurring subscription debits under RBI e-mandate rules via UPI AutoPay, eliminating manual monthly invoice follow-ups.

UPI AutoPay e-Mandate Dunning Logic
INTEGRATION 05 // SECURITY

Server-Side Webhook Receivers

Asynchronous background webhook endpoints that process payment events with guaranteed idempotency, preventing double-crediting of customer wallets.

HMAC-SHA256 Idempotent Queue Zero Race Conditions
INTEGRATION 06 // MARKETPLACE

Split Settlements & Vendor Payouts

Marketplace platforms with automated commission deduction and instant vendor account settlements via Cashfree/Razorpay Payout APIs.

Payout APIs Auto Commission Instant IMPS
// ZERO-TRUST FINANCIAL SECURITY

Cryptographic Integrity & Fraud Defense

Financial transactions require absolute cryptographic verification. We engineer multiple defense layers ensuring that not a single rupee can be falsified.

HMAC-SHA256 SIGNATURE — Every webhook event is verified against your secret cryptographic salt before parsing.
SERVER-SIDE AMOUNT LOCK — Order amounts originate strictly inside our server-side database; browser parameters are ignored.
IDEMPOTENCY LOCKS — Redis atomic locks ensure identical webhook replay attacks cannot trigger multiple order releases.
SECURITY PROTOCOL SPEC PCI-DSS COMPLIANT
Zero Raw Card Storage on Your Server
Card credentials bypass your server entirely, reducing your PCI-DSS scope to zero liability.
Automatic Refund Webhook Listeners
Chargebacks and refunds update order ledgers immediately, revoking access without manual intervention.
Instant GST E-Invoice Dispatch
Successful capture triggers automatic generation and email dispatch of GST-compliant tax invoices.
// GATEWAY ECOSYSTEM

Supported Payment Gateways & SDKs

We maintain direct SDK integration experience across leading Indian and global payment processors.

Razorpay
UPI Intent, Cards, EMI
Cashfree Payments
AutoPay & Payout APIs
Stripe
Global Multi-Currency
PayU
Enterprise Net Banking
PhonePe Payment
PG & Switch SDK
UPI AutoPay
Recurring Subscriptions
PayPal
International Cross-Border
Dynamic QR
Desktop & Kiosk Scans
HMAC-SHA256
Cryptographic Callback
Redis Locks
Idempotent Deduplication
// INTEGRATION FAQ

Frequently Asked Payment Questions

Which payment gateway should our business choose in India?

For domestic Indian transactions, Razorpay and Cashfree offer the highest UPI success rates, lowest transaction fees (typically 1.8%–2%), and excellent developer tools. For accepting international credit cards and global currencies, Stripe is the premier choice.

How do you prevent payment fraud and amount tampering?

We enforce strict server-side transaction generation and cryptographic HMAC-SHA256 signature verification on all webhook callbacks. Transaction amounts are never trusted from the client-side browser.

Can we accept recurring monthly payments via UPI in India?

Yes. We integrate UPI AutoPay and e-Mandate protocols that allow customers to authorize recurring monthly or annual subscription debits directly from their UPI apps (Google Pay, PhonePe, Paytm).

What happens if a customer closes their browser immediately after paying?

Because our architecture relies on asynchronous server-to-server (S2S) webhooks rather than client-side redirects, the gateway notifies our backend directly within 800ms. The order is fulfilled, access is granted, and confirmation is sent even if the user closed their tab.

PAYMENT GATEWAY INTAKE

Have a problem worth solving?

Tell us what you're trying to build, improve or fix. We'll start with the technical requirement.

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