Contacts

parc d'affaires des Fontenelles à Bailly, à 5 min de l'A13. France

+33 1 34 62 14 93

Financial Engineering & Transactions

Payments, reconciliation, and production — truly end-to-end integration

Banking Payment Solutions Integration

From checkout to accounting and reporting, we design reliable journeys built for high-volume production — banking, insurance, telecom.

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Banking payment integration — PSP orchestration and transaction flows

Nuvelia is an independent integrator: we help you select PSPs, connect your systems, and industrialize reconciliation and compliance — we do not resell payment licenses.

Your project likely fits one of these scenarios

First payment integrationLaunching card, bank transfer, or marketplace checkout with availability and traceability from day one.
PSP replacementMigration without downtime, token portability, recurring billing continuity, and webhook handover.
Subscription or recurring billingAsync statuses, retries, failed payments, and multi-channel reconciliation.
Marketplace or split paymentsCommission models, seller KYC, and settlement flows aligned with your business model.
Bank transfer or payment initiation (PIS)Open Banking integration, VoP, and structured addresses in the customer journey.
Incident recoveryDuplicate charges, lost webhooks, PCI debt, or a project stuck in UAT — audit and get back on track.

Entry offer — Payment integration audit

5–10 business days

End-to-end flow and payment status mapping
Webhook, idempotency, and target PCI scope review
Risk matrix and prioritized remediation plan
Effort estimate and phased go-live roadmap

IT leaders, product owners, or tech leads before PSP selection or incident recovery

Production issues we see most often

Duplicate charges or inconsistent statusesMissing idempotency or unreliable webhooks — finance can no longer trust payment states.
Conversion drops at 3DSPoorly tuned SCA flows with no exemption strategy — cart abandonment and customer disputes.
Time-consuming manual reconciliationPermanent gaps between PSP, back-office, and accounting — delayed month-end close.
Blocked PSP migrationToken portability and subscriptions not scoped — risk of cutting recurring revenue.
PCI exposure or sensitive logsRaw card data in logs or an oversized PCI scope — audits become impossible.
2026 regulatory deadlinesVoP, instant SCT, and ISO 20022 structured addresses to ship in existing journeys.

Production payment issues — inconsistent statuses and reconciliation

What Nuvelia delivers

End-to-end flow mapping and payment status matrix
Target architecture (redirect, embedded, PIS, SEPA, marketplace)
Signed webhooks, replay, and idempotency specification
Test plan, observability, and operations runbook
Automated reconciliation and settlement design
Reversibility, token portability, and vendor SLA framing

Nuvelia four-step payment integration method

Our 4-step approach

Scoping
Business/IT workshop: volumes, payment methods, regulatory constraints, target PCI scope.
Architecture
Integration model, data model, 3DS strategy, migration plan.
Integration
API development, webhooks, sandbox testing, security and performance hardening.
Go-live
Progressive rollout, monitoring, and handover to your operations team.

Sample engagements (anonymized)

Telecom operator — high-volume card payments

Context: Recurring payment journeys with traffic spikes and strict availability requirements.

Nuvelia role: PSP integration, async callback handling, Java/Spring and Kubernetes industrialization.

Outcome: Stabilized production flow with proactive monitoring and documented disaster recovery.

Insurance — online subscription

Context: Card checkout with PCI constraints on a business-critical subscription funnel.

Nuvelia role: End-to-end technical design, PSP-side tokenization, reduced PCI scope (SAQ A target).

Outcome: Secure checkout ready to scale without exposing sensitive card data.

Complementary expertise

2026 topics to plan for

Verification of Payee (VoP) in bank transfer journeys
ISO 20022 structured addresses — deadline 15 November 2026
PSD3/PSR preparation and Wero e-commerce rollout

Common questions before starting

Can you work with a PSP already chosen by management?

Yes. We integrate the selected provider or help compare options on verifiable technical and contractual criteria (Regafi/EBA register, API quality, reversibility).

How long for a first production journey?

A hosted redirect can go live in weeks depending on scope and environment readiness; deep integration with reconciliation and migration typically takes 2–4 months — timeline confirmed after scoping, with no contractual commitment at this stage.

Can you rescue a failing integration?

Yes — lost webhooks, duplicate charges, PCI debt: we audit the current setup and propose a prioritized remediation plan.

Related guides

Your technical contact

Nabil Hsissi

Critical systems & payment architect · 20 years designing and operating critical systems

Sectors: banking, insurance, telecom

You speak directly with the architect who will scope your project — not with a sales-only intermediary. Nuvelia has been supporting clients for over 14 years.

Scope my payment integration

30-minute call with an architect — reply within one business day.