In a digital economy driven by seamless transactions, a payment gateway like BlueSnap has become essential for businesses looking to offer fast, secure, and global payment processing. In every industry, it’s crucial to integrate a payment gateway for every business. 

Additionally, the use of online transactions has increased, driving the market expansion during the entire forecast period. Whether you’re running an eCommerce store, a SaaS platform, or a mobile application, building your own secure payment gateway app can provide a better sense of control over fees, user experience, and financial data. 

But the process of BlueSnap payment gateway development isn’t just about adding card payments; payment infrastructure development that supports multiple payment methods, global currencies, fraud prevention, and compliance is what matters. 

If you’re a business owner wanting to create your own white-label payment gateway from scratch, this guide is for you. Here, we are going to discuss how to develop a payment gateway like BlueSnap and highlight the crucial factors like features, development costs, and monetization strategies along the way. So, let’s dive in! 

 

What is BlueSnap Payment Gateway?

BlueSnap is the sole global payment platform that simplifies the payment process while increasing sales and cutting costs. Unlike traditional payment software solutions, BlueSnap offers an all-in-one cross-border payment solution by combining payment processing, merchant accounts, fraud prevention, and intelligent payment routing within a single platform. 

This multi-currency payment system supports multiple payment methods across 100+ currencies. Bluesnap is the best solution for businesses seeking global expansion, as it contains smart features like PCI Level 1 compliance and smooth API connectivity. It increases payment approval rates and offers easy checkout while reducing the chances of cyber fraud. 

BlueSnap payment gateway is ideal for:

• Global merchants that require localized checkout options and bank-level routing.
• BlueSnap is ideal for businesses with subscription models, thanks to robust repeated billing and e-commerce integrations. 
• Teams requiring payment gateway solutions with strong fraud defenses with merchant-configurable policies and real-time analysis.

 

 

Payment Gateway Market Overview

• The global payment gateway market size was USD 26.79 billion in 2022 and is expected to exhibit tremendous growth, with a CAGR of 22.2% from 2023 to 2030.
• Hosted dominated the payment integration gateway market in 2023, with a market share of 65.1%, and is expected to remain a leading force during the forecast span of 2024-2033.
• Large Enterprises hogged the market in 2023, with a market share of 59.9%, and are projected to keep rising during the forecast period of 2024-2033.
• West India dominated the Indian Payment Gateway market in 2023, with a market share of 41.4%, and is anticipated to maintain its dominance during the forecast period 2024-2033.
• The market’s largest segment is Mobile POS Payments, with a projected total transaction value of US$ 12.56 trillion in 2025.
• China and Spain mirrored this sentiment, with 67% and 61% of respondents embracing cashless payments.

 

Why Should Businesses Invest in Payment Gateways Like BlueSnap?

Businesses should launch a payment gateway like BlueSnap to eliminate the major technical, financial, and logistical barriers to global expansion. Businesses are well aware that the BlueSnap payment gateway enables them to effectively localize their payment experience. 

They also help in making their presence known in international markets without having to invest in vast in-house payment expertise.

 

 

1. Accept Any Local Payment: 

It is one of the main reasons why businesses should build a Payment Gateway Like Razorpay. A payment gateway like BlueSnap lets you accept local payment types and currencies that customers actually use in their own countries. This makes buying from you feel natural and easy for them.

 

2. Handle Global Rules and Security: 

Launch a payment gateway like BlueSnap to manage complex international payment rules and strong security measures for you. This keeps your business safe and compliant without you needing to be a global expert.

 

3. Boost Sales Approval: 

BlueSnap international payment gateway connects with local banks worldwide. This means that when a foreign customer pays through the PayPal or BlueSnap gateway, the transaction appears “local,” which significantly improves the chance of smooth payment processing.

 

4. One Easy Connection: 

It is a great idea to develop a payment gateway like BlueSnap, especially for businesses. You connect your system to just one gateway, not many. This single link takes you to a vast  global payment network and bundles all your sales data into simple, easy-to-read reports.

 

5. Better Shopping Experience: 

Businesses should build FinTech apps like Revolut because they create a smooth, localized checkout for every customer. This seamless process means more completed sales and happier international buyers.

 

Top 10 Payment Gateways Like BlueSnap To Consider in 2025

Here  are the the top 10 BlueSnap international payment gateway alternatives that businesses wanting to make a payment gateway like BlueSnap should consider: 

 

 

Gateway	Headquarters	Global Support	Key Features
Stripe	USA	40+ countries	Powerful APIs, subscription billing, fraud detection
PayPal	USA	200+ countries	Trusted brand, wallet payments, buyer protection
Adyen	Netherlands	150+ currencies	Local payment methods, global compliance, risk management
Authorize.Net	USA (Visa-owned)	North America, UK	Easy setup, strong security, recurring billing
Braintree	USA (PayPal-owned)	45+ countries	Mobile-first checkout, seamless PayPal integration, fraud tools
2Checkout (Verifone)	USA	200+ markets	Localization, tax handling, recurring billing
Square	USA	Limited (expanding)	POS + online integration, analytics, invoicing
Worldpay	UK (FIS-owned)	140+ countries	Enterprise-grade processing, omnichannel, fraud management
Razorpay	India	India, SEA	UPI, GST invoicing, smart routing, strong for Indian startups
Skrill	UK	120+ countries	Digital wallet, low-cost global transfers, crypto-friendly
Fi Money	India	India (expanding)	API-based digital banking, UPI, bill payments, spending insights
Revault	India	India	B2B fintech payments, payout automation, compliance-ready

 

How AI Benefits Payment Gateway Development?

AI significantly enhances BlueSnap like payment gateway development by improving fraud detection, transaction approval rates, and customer experience. Machine learning algorithms scan and analyze large amounts of transaction data in real time to identify unusual behavior and block fraudulent activities before they occur. 

AI also enables smart routing, which schooses the best payment processor to maximize successful transactions. Additionally, it helps personalize user experiences by conducting predictive analytics, and optimizes customer service through intelligent chatbots and automated support, ensuring faster, safer, and more efficient payment processing

 

What are the Pros of Developing Merchant Payment Gateway?

Is creating a merchant payment gateway right for you? Before you develop a payment gateway like BlueSnap, take a look at the  pros and cons to consider.

• By developing a BlueSnap alternative, you can lower monthly and per-transaction fees over time
• A Secure payment gateway gives you full control over payment processing
• Integrate payment gateway with pos to make the process of payment more efficient and simple.  
• Payment solution like BlueSnap gives you the ability to create your own custom features
• You can sell your payment gateway services to other companies for additional revenue

 

Various Ways to Integrate a Payment Gateway in a Mobile

Here are the ways to Integrate a Payment Gateway in a Mobile. Let’s check them out:

 

 

1. SDK Integration

Most popular payment gateways including Stripe, Razorpay, PayPal, Braintree offer mobile SDKs for Android and iOS. These SDKs are plug-and-play solutions that allow quick integration of payment features with pre-built UI components and secure token methods.

 

2. Hosted Payment Gateway Integration

According to the POS software development company, this payment API integration method redirects users to a secure, hosted page in order to complete the payment transaction. It reduces  the requirements of PCI compliance for your app but limits design control.

 

3. Server-Side API Integration

In Server-Side API Integration, the backend server handles your backend data using secure APIs. The mobile app collects payment info and sends it to your backend. Your server securely interacts with the payment gateway. This payment gateway architecture offers more control but requires strict PCI DSS compliance.

 

4. WebView Integration

You can embed a payment page within the app using a WebView. According to a fintech software development company, while easy to implement, this approach may compromise user experience and is not recommended for handling sensitive payment data.

 

5. No-Code/Low-Code Platforms

According to a payment infrastructure development expert, Platforms like Stripe Checkout or Shopify Mobile SDKs offer low-code or no-code payment integrations for fast deployment, making them ideal for MVPs or e-commerce apps with limited development resources.

 

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Features Required to Build a Payment Gateway Like BlueSnap

Here are the features needed to Develop a Payment Gateway Like BlueSnap. Take a look at these features used by fintech software development company to create a payment gateway like BlueSnap efficiently: 

 

 

1. Multi-Method Payment Support

This is the fundamental ability to securely accept and process various payment types, including major credit and debit cards, bank transfers, and popular digital wallets. It acts as a secure bridge between the customer, merchant, and banks. This feature is crucial to create a payment gateway like BlueSnap.

• Credit/debit cards (Visa, Mastercard, AmEx)
• Digital wallets (Apple Pay, Google Pay, PayPal)
• ACH/bank transfers
• Buy Now, Pay Later (BNPL) options.
• Local & alternative payments (UPI, SEPA, iDEAL, etc.)

 

2. Multi-Currency & Global Coverage

According to the fintech app development company, the gateway must support a wide range of global currencies for both presentment and settlement, typically 100+ currencies. It needs to offer local acquisition in numerous countries, allowing for domestic payment processing, which reduces fees and boosts approval rates.

• Accept and convert payments in 100+ currencies.
• Auto currency detection based on user location
• Global tax and regulatory compliance support

 

3. Security & Compliance

It is crucial to comply with payment DSS standards. Your BlueSnap clone app must comply with various regulatory regulations, such as PSD2 (Strong Customer Authentication/3D Secure) in Europe, GDPR for data privacy, and other local financial laws.

• PCI-DSS Level 1 compliance
• End-to-end encryption
• Tokenization & secure vault for card data
• 3D Secure 2.0 (for card authentication)
• KYC/AML compliance features

 

4. Fraud Prevention Tools

According to experts in mobile banking app development, swift fraud detection systems are crucial to build a payment gateway like BlueSnap. These include AI and machine learning algorithms that analyze transaction patterns in real time to identify and block suspicious activities.

• Real-time fraud detection (AI/ML-based)
• Risk scoring engine
• Velocity checks and device fingerprinting
• Integration with fraud management tools (e.g., Kount)

 

5. Intelligent Payment Routing

To Make a Payment Gateway Like BlueSnap, you need to include this advanced feature. It automatically directs each transaction through the optimal payment processor or acquiring bank. The system considers factors like cost, success rates, currency, customer location, and specific bank preferences to maximize approval rates and minimize processing fees.

• Smart routing through local acquirers
• Auto-fallback and retry logic
• Dynamic payment method prioritization
• Increased transaction success rates

 

6. Merchant Dashboard & Analytics

An App Like Fi Money contains features like a web-based dashboard that gives merchants real-time insights into their monetary exchange sales trends and payment performance. It includes detailed analytics, reporting tools, and settlement tracking, offering businesses complete control and visibility over their payments.

• Real-time transaction reports
• Settlement tracking
• Revenue analytics
• Tools for chargeback management

 

7. Developer Tools & Integration Support

To enable easy integration of programs for merchants, the BlueSmap-like payment gateway requires well-recorded APIs, SDKs for various programming languages, and ready-to-use plugins for platforms for popular e-commerce. For those who want to build a payment gateway like BlusSnap, adding this feature is a must. 

 

• RESTful APIs and SDKs (Android, iOS, Web)
• Hosted payment pages & checkout
• Webhooks for payment status updates
• Sandbox environment for testing

 

8. Subscription & Recurring Billing

This feature securely stores payment details, manages billing cycles, handling retries for failed payments, and allows customers to update their payment information seamlessly. Businesses looking to create a payment gateway like BlueSnap should consider this feature.

• Plan creation and management
• Dunning management (auto-retries, notifications)
• Prorated billing, free trials, coupon codes

 

Steps to Build a Payment gateway like BlueSnap

Here, we present some easy steps to make a payment gateway like BlueSnap. Follow these steps for fintech software development. Let’s take a look: 

 

 

Step 1: Understand The Process

Payment gateways like BlueSnap securely regulate the transaction data among clients, vendors, and banks. To make a payment integration app like BlueSnap, first you need to know how a payment gateway like BlueSnap works. It acts as a secure bridge between customers, merchants, and banks, facilitating online payments. 

Essential components include a payment processor for transaction handling, a merchant account to accept funds, and an SSL certificate to user data encryption and ensure secure transfers.

• Payment Processor: This gateway manages transactions between banks.
• Merchant Account: consumers can make payments through this gateway.
• SSL Certificate: Encrypts payment data for security.

 

Step 2: Meet Security and Legal Requirements

According to the top providers that offer Software Product Development Services, compliance with rules and regulation of the legal system is essential to ensure safety and avoid legal issues and penalties.

Your gateway must follow industry standards such as PCI-DSS for card security, KYC/AML for user verification, and GDPR for data protection. Meeting these legal and security requirements builds user trust and avoids costly penalties.

• PCI DSS: Protects credit card data.
• KYC/AML: Verifies customer identity and prevents fraud.
• GDPR: Safeguards user data in the EU.

 

Step 3: Define Essential Features

For fintech app development like BlueSnap, Decide on the core features of your gateway. Must-have functionalities include support for multiple payment methods, multi-currency processing, recurring billing, and fraud prevention. Also, ensure the design is mobile-friendly and intuitive for both merchants and end users.

• Supported payment methods (cards, wallets, bank transfers).
• Multi-currency support and recurring payments.
• Fraud detection and mobile-friendly designs.

 

Step 4: Build a Secure Infrastructure

Set up a reliable backend infrastructure that involves PCI-compliant servers, API integrations for banks and payment processors, and strong data encryption. A scalable and secure infrastructure is used to maintain sensitive transactions efficiently.

• Secure Servers: PCI DSS-compliant hosting.
• APIs: Enable integration with websites and payment processors.
• Encryption: this service ensures the privacy and security of sensitive information.

 

 

Step 5: Develop, Test, and Launch

Development, testing, and launch are the core of Fintech software development, such as BlueSnap. The development stage includes selecting the appropriate tech stack, backend development, feature integration, and design wireframing, among other tasks.

Testing on various platforms and devices typically comes after development. After that, the payment integration app or software is deployed in the market. 

• Develop: Create a user-friendly interface and secure backend.
• Test: Check functionality, scalability, and security.
• Launch: Go live with a certified gateway.

 

Step 6: Maintain and Scale

After sending the payment gateway app for launch, continuous maintenance should be your next and final step. Monitor app performance, release regular updates, apply security patches, and scale the system to support growing user and transaction volumes over time.

• Monitor performance and update security regularly.
• Scale to handle more transactions as your business grows.

 

Cost to Make an App Like BlueSnap

Developing a BlueSnap clone app can range from $8,000 to $25,000 or more, depending on complexity and features. Factors like the number of features, platform choice, and development team location influence the BlueSnap payment gateway pricing. 

Cost to develop a fintech app like Wise with basic features and functionalities can be around $8,000 to $12,000. If you want to build a complex app with high-tech features using the latest technologies, then the cost to build a payment gateway like BlueSnap will also increase. 

 

Component	Cost (USD)	Timeline
UI/UX Design	$1,000 – $3,000	1 – 2 weeks
Frontend Development	$2,000 – $5,000	2 – 3 weeks
Backend Development	$3,000 – $8,000	3 – 5 weeks
API Integrations	$1,000 – $3,000	1 – 2 weeks
Security & Compliance	$1,000 – $4,000	1 – 2 weeks
Testing & Deployment	$1,000 – $2,000	1 – 2 weeks

 

Factors Affecting Cost To Develop a Payment Gateway Like BlueSnap

Here are the factors that may affect the cost to make a payment gateway like BlueSnap. Let’s check them out: 

 

 

1. App Complexity & Features

Feature complexity is one of the factors that can highly affect the fintech app development cost. Adding advanced features such as multi-platform or multi-currency support, smart routing, scam detection, and split incomes can increase the cost of developing BlueSnap alternatives and timeline.

 

Level	Estimated Cost (USD)	Development Time
Basic Features	$3,000 – $5,000	2 – 3 weeks
Advanced Features	$5,000 – $8,000	3 – 5 weeks

 

2. Security & Compliance Requirements

Integrating PCI-DSS Level 1 compliance, end-to-end encryption, tokenization, and fraud prevention tools requires experienced developers and additional investment. This factor can affect the cost of BlueSnap payment gateway. 

 

Scope	Estimated Cost (USD)	Development Time
Basic Security (SSL, Token)	$1,500 – $2,500	1 week
Compliance Ready (PCI, 3DS)	$2,500 – $4,000	2 weeks

 

3. Third-Party Integrations

The cost to develop a payment gateway Like BlueSnap varies depending on the number and type of integration; for example, it could be card networks, KYC/AML services, bank APIs, tax calculators, or payment processors.

 

Integration Type	Estimated Cost (USD)	Development Time
Single API (e.g., Stripe)	$1,000 – $2,000	1 week
Multiple APIs (KYC, AML, Tax)	$2,000 – $3,000	2 weeks

 

4. Platform Choice

BlueSnap payment gateway development Cost can depend on your platform choice. Whether you choose web, Android, or iOS, it will increase. Cross-platform options save money, but they do not match native-level performance for complex logic.

 

Platform	Estimated Cost (USD)	Development Time
Web Only	$1,500 – $2,500	1 – 2 weeks
Cross-Platform (Web + App)	$2,000 – $3,000	2 – 3 weeks

 

5. UI/UX Design Complexity

The cost to develop a payment gateway like BlueSnap can differ depending on custom dashboards, animated interfaces, and personalized user flows for merchants or administrators

 

Design Type	Estimated Cost (USD)	Design Time
Standard Design	$1,000 – $2,000	1 week
Custom Dashboards	$2,000 – $3,000	2 weeks

 

6. Post-Launch Support & Maintenance

The cost to build a Payment Gateway Like BlueSnap can differ depending on post launch maintenance services.Ongoing BlueSnap payment gateway development cost involves updates, bug fixes, security patches, new feature rollouts, and infrastructure management.

 

Maintenance Plan	Estimated Annual Cost (USD)	Ongoing Duration
Basic (Bug Fixes)	$1,000 – $1,500	Monthly/Quarterly
Standard(Support + Updates)	$2,000 – $3,000	Ongoing

 

Top 5 Monetization Strategies for Payment Gateway Like BlueSnap

The top 5 monetization strategies for payment gateway like BlueSnap are transaction fees, monthly/annual subscriptions, cross-border and currency conversion fees, and white-label solutions. Let’s check them out: 

 

 

1. Transaction Fees

Charge a small percentage or flat fee on each transaction processed through your platform. This is the most common and reliable source of revenue.

Example: 2.9% + $0.30 per transaction.

 

2. Monthly/Annual Subscription Plans

Offer premium pricing plans based on transaction volume, number of users, or premium features such as cutting-edge analytics or fraud detection.

Example: Basic, Pro, and Enterprise plans.

 

3. Cross-Border & Currency Conversion Fees

Generate revenue by applying a small markup on currency conversion for international transactions.

Example: 1.5% – 3% for non-local currency payments.

 

4. White-Label Solutions

License your gateway infrastructure to other businesses or fintech startups under their branding for a setup + upkeep fee.

 

5. API Access Fees

For enterprise users, you can charge a premium amount for API access with higher limits, dedicated support, and quicker response times.

 

 

Conclusion

Yey! You’ve made it till here. We hope the above-provided information has helped you understand the essential steps, features, cost factors, and monetization strategies involved in developing a payment gateway like BlueSnap, from including multi-currency support and ensuring PCI-DSS compliance to providing smart payment routing and safe APIs, building such a solution requires both technical expertise and a strong understanding of the fintech ecosystem.

Whether you aim to serve a local market or scale globally, investing in a robust, scalable, and secure payment gateway can take your business to the next level in the digital transaction rabbithole.

If you are a business looking to develop a payment gateway like BlueSnap, consider contacting Dev Technosys, one of the leading mobile app development firms. Stay tuned for more informative updates. 

 

FAQs

 

Q1: What is a Payment Gateway Like BlueSnap?

BlueSnap is a top platform that allows businesses to safely accept online payments using various payment methods, including cards, e-wallets, and bank transfers, across multiple currencies.

 

Q2: How Much Does it Cost to Build One?

The cost to develop a payment gateway like BlueSnap typically ranges from $8,000 to $25,000 for a minimum viable product (MVP) version, depending on the features, security, and platform choice.

 

Q3: What Features Should it Have?

Key features for developing a payment gateway include multi-currency support, recurring billing, fraud detection, compliance tools, real-time analytics, and developer-friendly API integrations.

 

Q4: How Long Does it Take to Develop?

Developing a basic payment gateway can take 6 to 10 weeks, whereas a full-featured version may require 4 to 6 months.

 

Q5: Do I Need to Follow Any Standards?

Yes, payment gateways must adhere to PCI-DSS compliance to securely process and store cardholder data and prevent fraud.

 

Q6: Can I Integrate Third-Party Services?

Yes, services such as KYC, AML checks, tax automation, and fraud protection tools can be integrated via APIs to add functionality.