Payments are the most sensitive part of your business and the most common source of silent failures. Transactions get declined without clear errors. Webhooks fail and orders slip through. Currency conversions are wrong. Your current setup either doesn't support the payment methods your customers want or loses money on every transaction.
I built a geo-currency plugin that detects visitor location and automatically displays prices in their local currency with real-time exchange rates — then processes the payment in the correct currency without rounding errors or conversion surprises. That project taught me the complexities that most developers miss when integrating payments: currency precision (never use floating point for money), idempotency keys to prevent duplicate charges when retrying failed requests, and proper webhook verification to prevent spoofed payment confirmations. For Stripe integrations, I implement the complete lifecycle — Payment Intents for SCA-compliant payments in Europe, Customer objects for saved payment methods, Subscription management with trial periods and proration, Connect for marketplace payouts, and comprehensive webhook handling for every event type (payment succeeded, failed, disputed, refunded). For PayPal, I use the Orders API v2 with proper capture flow and handle the edge cases where buyers authorize but the capture fails. For WooCommerce stores, I build custom payment gateway plugins that integrate cleanly with the checkout flow, support both classic and block-based checkout, and handle order status transitions correctly. I've fixed dozens of stores where payments were processing but orders weren't being marked as paid because the webhook endpoint was misconfigured or the server was returning 500 errors that caused the gateway to stop retrying.
This solution is part of my Ecommerce Platform Development service.
For most businesses, Stripe is the best choice — excellent API, fair pricing, and broad payment method support. If you sell internationally, you may need PayPal as an additional option since it's the preferred method in many markets. For specific regions, I integrate local gateways like Razorpay (India), Mollie (Europe), or SSLCommerz (Bangladesh).
Yes. Common issues I fix include: webhook endpoints returning errors (causing orders to stay in 'pending' status), currency mismatch between WooCommerce and the gateway, checkout JavaScript conflicts preventing payment form rendering, and SCA/3D Secure failures for European customers. I diagnose using gateway logs and server error logs.
I integrate real-time exchange rate APIs and configure the payment gateway to process in the customer's local currency. This avoids the surprise conversion fees that cause cart abandonment. The system accounts for currency precision rules (JPY has no decimals, BHD has 3) and ensures the amount charged matches what the customer sees.
Tell me about your situation and I'll propose the right approach.