Crescentek

Payment Gateway Integration

Take payments that actually clear.

Stripe, PayPal, Revolut Business, Worldpay, Apple Pay, Google Pay — wired into your site or platform correctly, with webhooks, SCA compliance, refund flows and reconciliation that match what your accountant actually needs.

PCI DSS SAQ-A compliant
PSD2 / SCA ready
EUR, GBP, USD multi-currency
C
Secure checkout
crescentek-demo.ie
Total€149.00
Card number
Expiry
12 / 28
CVC
•••
Live: Card entered
4242 4242 4242 4242
SCA passed
1.2s avg
The gateways we wire

Not just one option — the right one for your business.

Choice of gateway affects fees, payout speed, dispute handling, and which payment methods your customers actually see at checkout. We pick based on your volume, markets, and industry — not defaults.

S
Stripe
Cards, Apple/Google Pay, Klarna
IntegrationReady
P
PayPal
Global brand trust, buyer protection
IntegrationReady
R
Revolut Business
Irish SMBs, low FX fees
IntegrationReady
W
Worldpay
Enterprise volume, MOTO
IntegrationReady
The honest fee breakdown

A €100 card payment isn't €100 in your account.

Here's roughly what Irish SMBs see per €100 transaction on each gateway — fees vary by card type, volume tier and market. We model this against your actual payment mix before we recommend.

Stripe Ireland
1.4% + €0.25 EU cards
You get €98.35
Fees €1.65
1.4%
PayPal Business
2.9% + €0.35 Europe
You get €96.75
Fees €3.25
2.9%
Revolut Business
1.0% + €0.20 Irish cards
You get €98.80
Fees €1.20
1%
Worldpay
Tiered, volume-dependent
You get €98.35
Fees €1.65
1.5%
Not included above: chargebacks (€15–20 each), currency conversion (up to 2%), refund fees on some gateways, and monthly platform fees. Budget an effective rate of 2–3.5% total for most Irish SMBs accepting cards, PayPal and digital wallets combined.
What a payment journey looks like

Six steps. Every one has to hold.

Most "broken payments" aren't the gateway failing — they're a webhook that didn't fire, a retry loop that never kicked in, or reconciliation that silently drifted.

1
Card entered
4242 4242 4242 4242
2
Tokenised
Never touches your server
3
Gateway routing
Stripe → Issuing bank
4
3D Secure
SCA challenge passed
5
Authorised
€149.00 captured
6
Webhook fired
Order marked paid
What we build in

A payment layer that doesn't surprise you at month-end.

Taking the money is the easy part. What separates a hobby integration from a production one is everything that happens after the checkout clicks.

Webhook handlers
Idempotent, retried, verified with signatures. No duplicate orders from retried events.
Refund & partial refund flows
Triggered from admin, logged to accounts, email confirmation fired.
Reconciliation reports
Daily CSV / Xero / Sage — so gateway payouts match your orders line-by-line.
SCA & 3D Secure
PSD2 compliant challenge flows, with graceful fallback on failed authentication.
Multi-currency
Customer sees their local currency, you settle in EUR. Accurate FX tracked per order.
Invoicing & VAT
Irish VAT handled correctly, MOSS / OSS for EU digital sales, invoice PDFs attached.
When clients call us

The five scenarios that come up weekly.

01
Replacing PayPal-only with card + wallet
Shop is losing sales at checkout because customers don't want a PayPal account. We add Stripe, Apple Pay and Google Pay while keeping PayPal for buyer-protection trust.
02
Moving to a lower-fee Irish gateway
€200k–€800k volume range where the difference between 2.9% and 1.4% is material. We migrate without breaking recurring subscriptions, tokens or customer records.
03
Recurring billing / subscriptions
SaaS, membership, service retainer. Stripe Billing or Chargebee integration, dunning for failed cards, self-serve customer portal.
04
Custom checkout on a custom site
React / Next.js / Laravel builds where the standard plugin isn't available or is too heavy. Direct API integration with full control over UX.
05
Fixing a broken integration we didn't build
Webhooks missing, reconciliation off, refunds not syncing, dashboard not matching bank. We audit, fix, document — often inherited from a previous developer.
Frequently asked

Things clients want to know first.

Yes — Stripe Billing, Chargebee or a custom subscription layer depending on complexity. We set up proper dunning (smart retry on failed cards), proration for plan changes, and customer-facing billing portals.
If implemented correctly (using Stripe Elements, PayPal hosted fields, or similar), you're in scope for SAQ-A — the simplest PCI level. Card data never touches your server. We set this up from day one to keep you there.
Built into your admin — one-click refunds that go through the gateway, log to your system, fire webhooks to downstream tools (accounting, email, CRM), and show on the customer's statement the right way.
Xero, Sage, QuickBooks, Surf Accounts — we build daily or nightly reconciliation exports that match what your accountant expects. Fees broken out, payouts matched, VAT handled correctly.
Every webhook handler is idempotent, signature-verified, and retry-safe. If delivery fails, we retry from our end, log the failure, and fall back to polling the gateway API so orders never get stuck in a 'pending' state.
Related services

Often scoped alongside payment integration

Ecommerce Development
Full shop build including gateway
Checkout Optimisation
Reduce drop-off between cart and paid
API Integrations
Connect payments to CRM, accounting, ERP

Let's make taking money the boring part of your business.

Send us your current setup (or lack of one) and we'll come back with a gateway recommendation, a realistic fee projection, and a two-week implementation plan.

Irish-compliant VAT handling
SAQ-A / PSD2 built in
Typically live in 2–3 weeks