Discuss your projectKnow what is owed, what moved, and whether the books match, with processor and bank statements reconciled and failed charges, refunds, and disputes in one queue. Your licensed processor keeps the card data and moves the money.
Illustration of a payments platform built by Baybloom: a payment processor, an internal ledger, and accounting reconciled, with failed payments, refunds, and disputes in a queue.
Finance and product leaders at businesses that take payments in volume: subscriptions, deposits, marketplace payouts, installments, or invoices with terms. The processor moves the money and holds the card data; the platform we build decides what is owed, records what moved, reconciles the two, and handles what went wrong.
The workflow
The steps we see most often in this kind of operation.
Features
Invoices generated from contracts or usage, with reminders, retries, and escalation for overdue balances handled by rule before a person steps in.
Customers add, update, and choose payment methods through the processor’s hosted components, so card details stay within the processor’s scope.
Processor fees, platform fees, and taxes separated and recorded for every transaction, so finance sees true net revenue by product or customer.
Summarized journal entries posted to the accounting system from the ledger, with mappings finance controls and every entry traceable to transactions.
Order, delivery, and communication records assembled for each dispute and submitted through the processor, with outcomes tracked in the ledger.
One view of receivables, failed payments, unreconciled items, and pending refunds, so finance sees the state of money without exporting reports.
Your first release
How the work runs
We start with the people doing the work and the systems around it, then write down the first release: what it includes, what it leaves for later, the integration decisions, and the acceptance criteria. Nothing is built until that scope is agreed.
We build in releases you can review as the work takes shape, using realistic data. Every release carries tests, a security review, and documentation. Integrations are tested against real records, with exceptions visible.
Your team receives the documentation, the runbooks, and the training to run the system, and we stay on for continued engineering when you want it.
Scope and price
Every project is priced from a written scope. These are the factors that move it most.
One-off charges are simpler than subscriptions, deposits, installments, and payouts, each adding states, ledger entries, and reconciliation rules to design and test.
Every processor and bank statement format needs its own integration and matching rules, so setups with several processors add meaningful reconciliation work.
Revenue recognition, multiple entities, or detailed journal mapping requested by finance and auditors add design effort in how the ledger posts to accounting.
Keeping card data inside the processor’s hosted components limits PCI scope, while any exception to that design adds controls, documentation, and review work.
Services marketplace
A services marketplace can take payments through a processor and still work out provider payouts in a spreadsheet and send them by hand. A payment platform adds the ledger in between: every charge, fee, refund, and payout recorded, reconciled against processor and bank statements, and any difference listed for finance to resolve. Failed charges, refunds, and disputes land in one queue, and card data stays with the processor. Calculated payouts with a statement for each provider are a natural next phase.
Questions
What buyers ask before a project like this starts.
No. A licensed processor moves the money and holds the card data. We build the platform around it: what is owed, what moved, reconciliation, and exceptions.
The design keeps card data inside the processor’s scope, using its hosted fields and tokens, so your systems never hold it. The obligations that remain are documented for you.
Yes. They land in a queue with reasons and owners, are recorded in the ledger, and are reconciled like any other movement.
Use the one that fits your flows, markets, and fees. We integrate several and recommend from your requirements, not a preference.
Yes. Customers, plans, open invoices, and saved payment methods are moved with the processor’s migration support where it applies, and balances are reconciled before and after. Recurring charges are switched over in a controlled order, so customers see continuity rather than a new sign-up.
Roles decide who can view, refund, credit, or adjust, with limits by amount and approval above them. Every action is recorded in the ledger with the person, reason, and reference, which gives finance and auditors a clear trail and protects the team from costly mistakes.
The platform records every attempted charge and its outcome, so incomplete payments are visible rather than lost. Retries follow rules agreed with finance, customers see clear messages, and reconciliation catches any movement the processor completes later. Where the flows justify it, a second processor can be added as a fallback.