[Journey] Building My Own Payment Gateway System & WooCommerce Plugin

Hey everyone,

I wanted to take a moment to share something I’ve been working on for quite some time—something that started as a personal frustration but is now shaping into a full-fledged solution. This is my journey of building my own payment gateway system and now expanding it into a WooCommerce plugin.

The Frustration That Started It All
If you’ve ever run a business that relies on online payments, you probably know how frustrating traditional payment gateways can be. High fees, delayed payouts, restricted access, and even sudden account bans—these are just some of the struggles I faced.

At one point, I found myself unable to receive my own money due to ridiculous restrictions from third-party processors. It was a complete nightmare, and I realized that I wasn’t alone—many business owners faced the same issue. That frustration planted the seed of an idea:

What if I could build my own payment processing system?

I knew it wouldn’t be easy, but I also knew that solving this problem would not only benefit me but potentially many others as well. And so, my journey began.

Here’s What I’ve Accomplished So Far:

1. Built a custom payment processing system that works independently of traditional gateways.
2. Integrated bank (i can not reveal which bank) payment processing into the system, allowing transactions to go through seamlessly.
3. Developed a secure API that handles payments efficiently.
4. Enabled Visa/Mastercard payments without issues.
5. Created a "Pay via Link" feature, allowing me to generate payment links for my products or services.
6. Made the system work with my website, as long as the generated payment link is attached to a "Buy Now" button.

The system functions like a simplified payment gateway, allowing transactions without the usual headaches of account restrictions or long payout delays.

However, while payment via link is useful, I quickly realized a limitation:

It’s not flexible enough for full eCommerce stores.

The payment link method is great for selling a single product at a fixed price, but it doesn’t work well for multi-product carts, subscriptions, or variable pricing. This limitation made me think about the next big step.

The Next Step: A WooCommerce Plugin

Since WooCommerce is one of the most widely used eCommerce platforms, I knew that integrating my system into a plugin would be the best way to make it more accessible and user-friendly. Instead of just generating payment links, the plugin will allow my system to:

1. Process payments like Stripe or PayPal, without the usual restrictions.
2. Support multiple products in a shopping cart.
3. Offer a seamless checkout experience, just like any other payment gateway.
4. Work directly within WooCommerce, making integration effortless for store owners.

This means i will no longer be limited to one product per payment link. I will be able to process payments for entire orders, just like any standard payment gateway.

The Vision Moving Forward

I’m currently in the process of developing and refining the plugin, and I’m excited to share this journey with you all. My goal is to give business owners more control over their payments, reducing dependency on traditional gateways that charge high fees and impose unnecessary restrictions.

I’d love to hear your feedback, ideas, or even challenges you’ve faced with payment gateways. Let’s create something that truly makes payments easier, more flexible, and more accessible for all!

Stay tuned for updates as I continue working on the plugin. Looking forward to sharing more soon!

Great journey, this should be fun to follow.

Great and interested fo follow , but still did not understand, how are you using bank to process payments? Is it possible? Bank can receive direct transfer as far as i know

This is def interesting, gonna follow your journey

How will you get licenses from governments all over the world?

Sorry for being rude but it is impossible and makes no sense (unless for a scam purposes). Besides technical part there is legal and security. One person simply cannot make it. It has to be a company/agency (group of people) with relevant licenses, budgets and specialists.

JohnCorsetti said:

Alright, but let’s be real Stripe and PayPal have chargeback protection, fraud detection, and risk management baked in for a reason. If your system is just running straight through a bank, what’s the move when a customer disputes a charge? Are merchants just left out to dry? No safety net, no buyer protection sounds like a recipe for chaos. How are you handling that?

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i am aware of that , i will drop more infos in the next update

savitaprasad said:

How will you get licenses from governments all over the world?

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i dont need it ,

rettu said:

Sorry for being rude but it is impossible and makes no sense (unless for a scam purposes). Besides technical part there is legal and security. One person simply cannot make it. It has to be a company/agency (group of people) with relevant licenses, budgets and specialists.

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how does it make a sense for scam purposes and does not for a normal purpose? guess your comment has no sense

digital_services said:

how does it make a sense for scam purposes and does not for a normal purpose? guess your comment has no sense

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Gathering (having access to) financial info (credit cards data) always has scum possibility.
In my country to create a payment processing system (it is something like stripe, right?) you need a legal entity (something like LLC) and have a license for this from a national/central bank.

rettu said:

Gathering (having access to) financial info (credit cards data) always has scum possibility.
In my country to create a payment processing system (it is something like stripe, right?) you need a legal entity (something like LLC) and have a license for this from a national/central bank.

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3D security ? have you heard about it ? , bro , just chill , im not here to scam people , and im sharing content that i paid a lot for it so calm down , + i am not stripe or paypal and im NOT into scam works also , so just chill , I USED FOR MY OWN businesses and worked for me and wanted to share the second part of my journey with bhw members too,

digital_services said:

3D security ? have you heard about it ? , bro , just chill , im not here to scam people , and im sharing content that i paid a lot for it so calm down , + i am not stripe or paypal and im NOT into scam works also , so just chill , I USED FOR MY OWN businesses and worked for me and wanted to share the second part of my journey with bhw members too,

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Good luck with the journey

It sounds incredible, but in most countries it is not possible for an individual to set up a payment gateway. There are too many security risks, such as being used by people who steal credit cards, leaking users' credit card information, etc.

sounds imposible to me, maybe you could shed more light

Good luck with it, it's definitely not easy

digital_services said:

i dont need it ,

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Im confused, if you don't have a business license, how do you connect to the bank payment system?

Simply , I transformed bank accounts into a payment gateway.

Risk Management & Fraud Detection :

Risk management falls under fraud detection and is handled by the banking system I integrate into the platform I’ve built.

Any transaction made via a credit or debit card is protected by the Visa/Mastercard network, not PayPal or Stripe. Chargebacks are managed by these networks. I use multiple accounts to process card transactions, and in the event of a chargeback, the bank requires evidence. If sufficient proof is provided, the chargeback can be closed in your favor.

I am using multiple stealth accounts to operate my system. This approach ensures security and efficiency in processing transactions. However, if you run a legitimate white business, PayPal and Stripe are more suitable and will approve your transactions without issues.

I do not require a banking license because I am not operating my own bank. Instead, I leverage the existing banking infrastructure to process credit card transactions using my system and APIs.

Security & Compliance :
Fraud, security risks, or the use of stolen credit cards are not possible within this system. Every transaction requires the cardholder’s authentication via 3D Secure, ensuring legitimacy.

I will share two different case studies showcasing how I have implemented this system—one for high-ticket transactions and another for low-ticket products. Both have been successfully processed using my system.



WooCommerce Plugin Update
Development on the WooCommerce plugin has begun. The structural framework is complete, and we are now in the development phase. Completion will take some time, and further updates will follow.

digital_services said:

Simply , I transformed bank accounts into a payment gateway.

Risk Management & Fraud Detection :

Risk management falls under fraud detection and is handled by the banking system I integrate into the platform I’ve built.

Any transaction made via a credit or debit card is protected by the Visa/Mastercard network, not PayPal or Stripe. Chargebacks are managed by these networks. I use multiple accounts to process card transactions, and in the event of a chargeback, the bank requires evidence. If sufficient proof is provided, the chargeback can be closed in your favor.

I am using multiple stealth accounts to operate my system. This approach ensures security and efficiency in processing transactions. However, if you run a legitimate white business, PayPal and Stripe are more suitable and will approve your transactions without issues.

I do not require a banking license because I am not operating my own bank. Instead, I leverage the existing banking infrastructure to process credit card transactions using my system and APIs.

Security & Compliance :
Fraud, security risks, or the use of stolen credit cards are not possible within this system. Every transaction requires the cardholder’s authentication via 3D Secure, ensuring legitimacy.

I will share two different case studies showcasing how I have implemented this system—one for high-ticket transactions and another for low-ticket products. Both have been successfully processed using my system.



WooCommerce Plugin Update
Development on the WooCommerce plugin has begun. The structural framework is complete, and we are now in the development phase. Completion will take some time, and further updates will follow.

Click to expand...

So you built a Plattform? And linked all accounts together? And how ??

WooCommerce Plugin Update:
Just to Know :
All transactions, pending orders, and customer information are shown on the user dashboard we built.

The plugin has been developed and tested on multiple WooCommerce websites and themes, performing well.

It integrates with WordPress/WooCommerce, capturing product prices and totals while functioning as a payment gateway.

I will continue testing it over the next few days, and


ONCE :

it's fully optimized, I’ll offer a free copy to one user in "Service Reviews & Beta Testers Wanted!" + the feature of Pay via Link for both Physical and digital products.


Thanks