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View Clutch ProfileIf two or three of these sound familiar, the payment layer, not the traffic, is where your next revenue lift is hiding.
Good customers see a failed payment for no clear reason and never come back to try again.
The payment step reloads, redirects and stalls, and shoppers abandon on the last screen.
You want to sell abroad but only support a single card processor and a single currency.
Chargebacks keep landing because nothing screens risky orders before they are captured.
Returning buyers re-enter full card details every time, so repeat purchases stall.
Recurring billing is chased by hand instead of charging cards automatically on schedule.
Finance reconciles gateway payouts against orders manually at the end of every month.
Nobody is sure whether the current setup meets PCI-DSS or the SCA rules in your markets.
Payment work is not a plugin install. Done right, it moves the numbers your finance team already watches.
Smart retries, correct 3DS flows and the right local acquirer mean fewer false declines on genuine cards.
Embedded, in-page payment fields remove the redirect and reload that lose shoppers on the final step.
Local cards, wallets and currencies let buyers pay the way they expect, wherever they are.
Rules and risk scoring flag suspicious orders before capture, protecting margin and your acquirer standing.
Saved cards and automated subscription billing turn first orders into predictable, ongoing revenue.
Gateway payouts map back to Magento orders automatically, so finance stops closing the month by hand.
From choosing the right gateway to recovering failed payments, the whole payment journey, built and tested on your store.
Stripe, PayPal, Razorpay, Authorize.Net, Braintree, PayU and regional acquirers, integrated natively into Magento.
Local cards, UPI, wallets, bank transfer and buy-now-pay-later, priced and displayed per market.
Tokenised vaulting so returning customers pay in one click without you ever touching raw card data.
Strong customer authentication and PCI-DSS aligned handling so you stay compliant without killing conversion.
Rules, velocity checks and third-party risk scoring that block bad orders before they are captured.
Automated recurring billing, trials, upgrades and dunning for membership and replenishment models.
Smart retries, alternate-method prompts and recovery emails that win back orders a decline would have lost.
In-page payment fields, cleaner error messages, and payout-to-order reconciliation back into Magento.
There is no single right answer. The best choice depends on how much control you need over the checkout, your compliance appetite and your team. Here is how the three common approaches compare, so the decision is made on facts, not on whatever a plugin defaulted to.
| Aspect | Hosted / Redirect | Embedded Fields | Custom Multi-Gateway |
|---|---|---|---|
| Buyer stays on store | No | Yes | Yes |
| PCI-DSS scope | Smallest | Reduced (SAQ A-EP) | Largest |
| Checkout control | Limited | High | Full |
| Multiple gateways | Awkward | Yes | Built for it |
| Build effort | Low | Moderate | High |
Comparison is a general guide to typical trade-offs. We recommend a specific approach after reviewing your markets, order volume and compliance position.
Payments are the one area you cannot afford to break in production. We ship on a sandbox-first path with a staged, reversible cutover.
We integrate and configure the gateway in a sandbox against your real checkout, with test cards for every scenario.
Success, decline, 3DS challenge, partial refund, void, chargeback and currency edge cases are all exercised before go-live.
We confirm PCI scope, SCA behaviour and webhook signature validation so nothing sensitive touches your servers.
The new method is enabled alongside the old one, monitored on live orders, then made primary once approval rates hold.
We track approval rate, 3DS friction and failed captures for the first weeks and tune rules to lift clearance.
The one your customers already trust in your main markets. We match gateway, acquirer and methods to where you sell rather than to a default.
We use tokenised, hosted or embedded fields so raw card data never lands on your server, keeping your PCI scope as small as possible.
Yes. We can route by country, currency or method, and fail over to a backup so a single processor outage does not stop sales.
We review your current methods, decline reasons, chargeback rate and reconciliation to find where money and time leak.
We recommend gateways, methods and an integration style per market, with the compliance and fee implications spelled out.
We build the integration against your real checkout in a sandbox, wiring webhooks, capture, refund and vaulting.
Every payment scenario is tested, then we go live in a controlled, reversible way with the old method as a safety net.
Modern payment problems, false declines, fraud and churn, are pattern problems, and pattern problems are where AI earns its place. We apply it where it measurably helps, not as a bolt-on.
Models learn the shape of your normal orders and flag the outliers, cutting chargebacks without blocking good buyers.
Route each transaction to the acquirer most likely to approve it, lifting clearance on genuine cards.
Predict which failed or lapsing subscription payments are recoverable and time the retry and outreach accordingly.
The same team behind our AI development services can layer fraud scoring, approval-rate optimisation and recovery timing onto your Magento checkout, so the payment layer keeps improving as more orders flow through it.
Proven gateways and standards, wired into Magento the way each one is meant to be used.
No gateway goes live until every success, decline and refund path has been tested against your real checkout.
PCI scope, SCA and webhook validation are designed in from the start, not patched after an audit finding.
Approval rate, 3DS friction and failed captures are tracked after launch, and we tune rules to lift clearance.
Multi-currency, local methods and per-country routing so you can grow beyond a single processor.
Payouts reconcile back to Magento orders so month-end stops being a manual matching exercise.
Ongoing support and optimisation, plus the wider Magento team when payments touch catalog, tax or shipping.

High-volume checkouts where a one point lift in approval rate is real money, plus wallets and one-click for repeat buyers.
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Global buyers, local currencies and BNPL options, with fraud screening tuned for high-return-rate categories.
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Large-value orders, purchase orders and stored-credential repeat billing with the right authentication in place.
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Sensitive transactions that demand tokenised, compliant handling and clear, trustworthy checkout messaging.
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Fast, low-friction mobile payments with wallets and saved cards so repeat orders clear in a single tap.
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Multi-currency, high-value bookings with strong authentication and deposit or instalment billing where needed.
Explore industryReal stores we have shipped, where a fast, trustworthy checkout was central to the result.

A conversion-focused storefront where a clean, reliable checkout flow was core to turning visits into completed orders.
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OTP login and a streamlined checkout that removed friction at the payment step and lifted completed orders.
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A fast, visually polished store that made browsing and buying effortless for customers on any device.
Read case studyThe OTP login and GoKwik checkout completely transformed our conversion rates and made the buying journey effortless for our customers.
Raulji Technologies delivered exactly what we envisioned for our brand. The store is fast, visually beautiful, and easy for our customers to explore and purchase products.
The team delivered an exceptional application and supported us well beyond launch. Reliable, responsive and genuinely invested in getting the details right.
Share which gateways and methods you run today, where orders are getting declined or abandoned, and which markets you want to reach. We reply within one business day with an honest read on what your payment layer needs.
Discover why 100+ global brands choose Raulji Technologies for AI-driven eCommerce, web development, and digital transformation, scaling their digital growth with innovation, performance, and trust.
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Magento • Shopify • AI eCommerce • Digital Marketing
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