★★★★★ 4.87/5 on Sortlist, See client reviews

Payment integration you can trust

DNA Solutions connects enterprise platforms to the payment ecosystem: PSP integration, card and SEPA flows, tokenization, 3DS authentication and reconciliation that closes to the cent. Built for European operators where a failed payment is an operational incident.

The engineering behind reliable payments

Most enterprise platforms accumulate payment integrations one provider at a time, each with its own SDK, webhook format and failure behavior. The cost surfaces gradually: authorization rates nobody monitors, finance teams reconciling settlements in spreadsheets, retries that double-charge a customer, and a PCI-DSS audit whose scope keeps growing. We bring the engineering discipline of high-volume billing to the payment layer, so money coming in is handled with the same rigor as money owed.

DNA Solutions
by the numbers

We design technology that lands on your bottom line. European enterprises trust us with extreme data volumes and critical financial pipelines.

See Client Results
Cost
€1M

Annual savings across European clients

By optimizing software licensing fees for several European organizations, we delivered over €1M in annual cost savings.

Scale
€300M

Monthly audited transactions

We built and maintain a Deloitte-audited billing platform processing €300M in audited transactions every month.

Team
38+

Engineers & consultants

A senior team of engineers and consultants across Europe.

Trust
6 years

Average client relationship

T-Systems, Satellic, European Commission: our longest engagements last because we deliver.

Our payment gateway integration process

A gateway integration is judged on the day a provider degrades. Everything below exists so that day stays uneventful.

Cardholder data is the most expensive data you can store. We design payment flows where the card number travels directly from the customer to the PSP through hosted fields or client-side encryption, and your platform only ever handles tokens. The vaulting strategy is decided deliberately: provider tokens for simplicity, network tokens or an independent vault when portability across PSPs matters.

Networks fail mid-payment, and what happens next separates a robust gateway integration from a fragile one. Every operation we send to a PSP carries an idempotency key, every payment is modeled as a state machine with persisted transitions, and retries follow controlled backoff instead of hammering a degraded provider.

Strong Customer Authentication is mandatory in Europe, but how you apply it decides your conversion rate. We implement 3DS2 flows with deliberate exemption management: transaction risk analysis, low-value exemptions, merchant-initiated transactions for recurring charges, and clean handling of soft declines where an issuer demands a step-up.

An authorized payment is a promise; settlement is the money. We build pipelines that ingest PSP settlement files and payout reports, match them line by line against your own transaction records and your ERP ledger, and account explicitly for fees, refunds, chargebacks, reserves and currency differences.

Capabilities across the payment chain

DNA Solutions designs the layer between your platform and the payment ecosystem: orchestration across providers, card and SEPA rails, and the dispute machinery that protects your margin.

What We Build

Multi-PSP routing layers

One orchestration layer normalizes every provider behind a shared contract. It routes transactions by geography, scheme, cost and live authorization rates, fails over when a PSP degrades, and turns new providers into adapters rather than checkout rewrites.

Card & SEPA payment flows

European payment coverage includes card acquiring with 3DS2 and SEPA Direct Debit with full mandate management. Refusals, returns and refunds reconcile cleanly, while recurring and merchant-initiated flows connect directly to your billing engine.

Chargeback & dispute pipelines

Dispute webhooks trigger a structured pipeline that assembles evidence from order, delivery and session data, tracks representment deadlines and feeds outcomes into fraud rules. Dashboards surface chargeback ratios early, while write-offs follow an explicit workflow.

Payment flows shaped by each sector

Tolling, mobility and telecom each collect money on different rails and rhythms. The orchestration core stays constant; the flows around it adapt.

Payment gateway projects in production

Two engagements where the payment layer itself was the deliverable: a unified gateway across products, and a multi-country settlement pipeline.

What clients value about our work

Senior decision-makers on the billing, tolling and financial platforms we have delivered.

★★★★★
"DNA works with us to deliver digital systems at scale so that we can serve our customers digitally. They are both reactive to requests and proactive with ideas and proposals."
Peter Hopkins
Peter HopkinsHead of financial platforms Tolling, T-SYSTEMS
★★★★★
"I appreciated the collaborative spirit and the effort to deliver a reliable solution within a reasonable budget. The step-by-step approach with a demo before deployment made all the difference."
Alexander Haye
Alexander HayeBusiness Transformation Manager, SATELLIC NV.
★★★★
"DNA Solutions has delivered online tools that have made the client's employees and customers' lives easier. For instance, the client can now handle cases in a maximum of two days instead of five."
Julien Deventer
Julien DeventerHead of Accounting & Controlling, SATELLIC NV.

Questions about PSP integration

The points heads of payments raise when they evaluate us for a gateway project.

We work provider-agnostic and have shipped integrations with Adyen, Worldline, Stripe, Mollie, regional acquirers and bank-direct SEPA rails. An orchestration layer normalizes every PSP behind one internal contract for authorization, capture, refunds and webhooks, so product code never calls a provider SDK directly. This lets you add providers, reroute incidents and negotiate with real switching power. We benchmark candidates against your transaction mix, including card versus SEPA share, ticket size, recurring ratio and dispute rate, because pricing and authorization performance vary by segment.

The goal is for raw card data to never touch infrastructure you operate. Hosted fields or PSP-side tokenization send the account number directly from the customer's browser to the provider, while your platform stores opaque tokens. This can move merchants from SAQ-D toward SAQ-A or SAQ-A-EP. Where card references must work across providers, we use network tokens or an independent vault to preserve portability. We also check leak paths such as logs, support tickets, analytics events and backups. The result is a documented cardholder-data flow your QSA can review, with a tightly defined compliance boundary around third parties rather than your platform.

Yes. We normalize each provider behind one internal API for authorization, capture, refunds, mandates and webhooks, turning a new PSP into an adapter instead of a checkout rewrite. Stored credentials require network tokens, provider migration programs or progressive re-tokenization at the customer's next successful payment. Routing can then follow country, scheme, cost or recent authorization rates. Most clients first send a small share of live traffic to the new PSP in shadow mode and compare reconciliation outputs before shifting meaningful volume.

Duplicate charges are an architecture problem addressed at three levels. Every payment attempt carries an idempotency key, so retries return the original result. Each payment uses a persisted state machine, allowing interrupted captures to resume. A recovery job reconciles PSP webhooks with our records and resolves provider-side successes that were never confirmed internally. During outages, requests queue and replay under the same keys after recovery. Monitoring flags authorization-rate drops and webhook lag before customers notice.

Review your
 payment architecture

A short call to discuss your current transaction volumes and integration challenges, with no obligation. We respond within one business day.

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