Payment Integration Examples - Inspiration & Best Practices

Payment integrations are a crucial component of any digital service that processes transactions. Whether it involves one-time payments, recurring subscriptions, or marketplace payouts — a reliable and secure payment infrastructure is essential for your revenue and customer satisfaction. Modern payment service providers offer powerful APIs that enable virtually any payment scenario to be implemented. Below we showcase concrete examples of successful payment integrations.

Multi-PSP payment infrastructure for a webshop

A major Dutch webshop implemented a multi-PSP strategy with Mollie as primary and Adyen as fallback payment service provider. When the primary PSP experiences an outage, the system automatically switches to the backup, virtually eliminating revenue loss due to technical issues. The integration supports iDEAL, credit card, PayPal, Klarna, and Apple Pay through one unified API layer.

• Multi-PSP failover architecture for maximum availability
• Unified abstraction layer for multiple payment methods
• Automatic PSP switching during outages without customer impact
• Support for iDEAL, credit card, PayPal, Klarna, and Apple Pay

Subscription management with Stripe Billing for a SaaS platform

A SaaS company integrated Stripe Billing for their complete subscription administration. The system manages monthly and annual plans, prorates plan changes, processes automatic renewals, and handles failed payments through a smart retry schedule. Customers manage their subscription and payment method independently via a Stripe-powered customer portal.

• Stripe Billing integration with monthly and annual plans
• Automatic proration for upgrades and downgrades
• Smart dunning with automatic retry for failed payments
• Self-service portal for subscription and payment management

Marketplace payout system with split payments

An online marketplace implemented a split-payment system via Stripe Connect. With every transaction, the amount is automatically divided between the seller and the platform (commission). Sellers receive their payout automatically to their bank account after a configurable holding period. The system also correctly handles returns and chargebacks with automatic reversals.

• Stripe Connect for automated split payments and payouts
• Configurable commission percentages and holding periods
• Automatic KYC verification of sellers via Stripe
• Chargeback and return handling with automatic reversals

B2B invoicing with direct debit for a service provider

A B2B service provider implemented an automated invoicing system with SEPA Direct Debit via Mollie. Invoices are automatically generated based on delivered services, sent to the customer, and automatically collected after the payment term. For failed collections, an escalation procedure is triggered with reminders and alternative payment options.

• SEPA Direct Debit integration via Mollie for automatic collection
• Automated invoice generation linked to service delivery
• Escalation procedure for failed collections with reminder flow
• Accounting integration with automatic journal entries

Key takeaways

• A multi-PSP strategy with automatic failover protects your revenue against technical outages.
• Smart dunning and retry mechanisms for failed payments can recover up to 30% of otherwise lost revenue.
• Split payments and automated payouts are essential for marketplace business models.
• PCI-DSS compliance is mandatory — always use tokenisation and avoid directly processing card data.

How MG Software can help

MG Software implements payment integrations that are secure, reliable, and scalable. From simple checkout flows to complex marketplace payouts and subscription management — we integrate the right payment service providers and build the business logic that fits your revenue model. Our PCI-DSS conscious approach guarantees secure transaction processing.