Varipay
We built the gateway itselfVaripay.ca is not an integration credit. BearPlex engineered the Canadian payment platform end to end: merchant onboarding, transaction pipeline, settlement, and the APIs other developers integrate against.
Payments engineering
Every rail your revenue runs on.
Since 2017 we have shipped payment integrations across North America, Europe, the Middle East, Africa, and Asia-Pacific. From a single Stripe checkout to building a Canadian payment gateway from the ground up, this page is the map of that work.
44platforms and rails on this page
6regions with local gateway work
1payment gateway built in-house
2017shipping payments since
Where we go deepest
The platforms we know like our own codebase.
These are not logos on a slide. Each one represents production systems we have designed, shipped, and operated.
Stripe
Full-surface integrationsCheckout and Elements, Billing and subscription lifecycles, Connect marketplace splits and payouts, webhook-driven reconciliation, disputes, and SCA-ready payment flows.
Paddle
PartnerMerchant-of-record billing for SaaS. We partner with Paddle and wire it in where global sales tax, invoicing, and compliance should be someone else's problem.
Square
Commerce and POSOnline payments, terminal and point-of-sale flows, and catalog-linked checkout for businesses that sell in person and online from one stack.
FastSpring
Merchant of recordFull-service MoR checkout for software and digital products, including localized pricing, VAT handling, and subscription management.
Lemon Squeezy
Digital productsLightweight merchant-of-record checkout for digital goods, licensing keys, and creator-style storefronts.
African native rails
Mobile money and local gatewaysNative gateway work across African markets, where cards are not the default: mobile money flows, local acquiring, and the retry-tolerant engineering these networks demand.
The landscape
Gateways and rails we work across.
Payment APIs converge on the same primitives. Range is what keeps a recommendation honest: we advise on the rail that fits your market, not the one we happen to resell.
Global platforms
The enterprise processors and PSPs that anchor most stacks.
- PayPalWallet, checkout, and payouts
- BraintreeVaulting, PayPal and Venmo rails
- AdyenEnterprise unified commerce
- Checkout.comAPI-first enterprise acquiring
- PaysafeCards plus Skrill, Neteller, and paysafecard
- Authorize.NetThe legacy US standard
- WorldpayEnterprise acquiring and migrations
- NuveiCanadian PSP, regulated verticals
- RapydLocal payment methods, one API
- 2Checkout / VerifoneMerchant-of-record commerce
Subscriptions, bank debit, BNPL
Recurring revenue plumbing and alternative checkout finance.
- GoCardlessDirect debit and ACH recurring
- PlaidBank auth for ACH flows
- DwollaUS ACH transfers
- ChargebeeSubscription billing layer
- RecurlyDunning and revenue recovery
- KlarnaBNPL checkout
- AffirmUS instalment finance
North America
Acquiring in the market where Varipay was born.
- MonerisCanada's largest acquirer
- Bambora / WorldlineCanadian and EU processing
Australia
Where our healthcare and NDIS platform clients operate.
- eWAYThe Australian SME default
- Tyro HealthNDIS and Medicare claiming
Middle East and Pakistan
Regional acquiring plus the wallets people actually use.
- Tap PaymentsGCC acquiring: mada, KNET, Benefit
- PayTabsSaudi and GCC processing
- TelrUAE gateway
- Network InternationalN-Genius acquiring
- JazzCashPakistan mobile wallet
- EasypaisaPakistan mobile wallet
- SafepayPakistan card gateway
- PayFastPakistan card gateway
Africa
Card, wallet, and mobile money rails across the continent.
- FlutterwavePan-African payments
- PaystackNigeria and Ghana acquiring
- M-PesaDaraja API mobile money
- DPO GroupEast and Southern Africa
- Peach PaymentsSouth Africa gateway
Plus the wallet layer on top
Express-checkout wallets wired into any of the gateways above.
Apple PayGoogle PayAmazon Pay
What integration actually means
The engineering between the checkout and your ledger.
Connecting an API is the easy week. These are the disciplines that decide whether payments stay boring in production.
Tokenization and vaulting
Card data never touches your servers. We design token-first architectures that keep you in SAQ-A territory instead of a full PCI DSS audit.
Idempotent webhooks
Payment events arrive late, duplicated, and out of order. We build webhook consumers that reconcile correctly anyway, with replay tooling for when a provider has a bad day.
Subscriptions and dunning
Trials, upgrades, proration, involuntary churn recovery, and retry schedules tuned to issuer behavior rather than a default cron.
Marketplace splits
Multi-party payouts, commission logic, KYC onboarding flows, and the ledger discipline that keeps platform money and merchant money separate.
3DS2 and SCA
Authentication flows that satisfy European SCA and issuer step-up rules without wrecking conversion on the checkout that pays your bills.
Reconciliation and ledgering
Settlement files, fees, refunds, and chargebacks tied back to orders automatically, so finance closes the month from a report instead of a spreadsheet hunt.
Gateway migrations
Moving processors without losing vaulted cards or active subscriptions: parallel-run strategies, token portability negotiations, and cutover plans measured in minutes of risk.
Fraud and risk
Rule tuning, velocity checks, and review queues calibrated to your margin, because a blocked good customer costs more than most fraud.
FAQ
Questions clients ask about payments work.
The ones that come up before an integration engagement starts.
Yes, and faster than you would expect. Payment APIs converge on the same primitives: tokenize, authorize, capture, refund, webhook. Once a team has shipped those flows across many providers, a new gateway is a matter of days for the integration itself, with most of the timeline spent on your business logic, testing, and go-live checks.
Yes. Gateway migrations are one of our recurring engagement types. The critical path is usually vaulted card portability and active subscriptions, so we negotiate token export with both providers, run the new stack in parallel on a slice of traffic, and cut over with a rollback plan already rehearsed.
We architect so that most of PCI DSS does not apply to you. Hosted fields and token-first design keep raw card data off your infrastructure, which typically means SAQ-A or SAQ-A-EP self-assessment instead of a full audit. Where a client needs more, we build the segmentation and evidence trail the assessor wants to see.
It depends on where your customers are, how you sell, and who should carry compliance. Merchant-of-record platforms like Paddle or FastSpring suit global software sales. Stripe or Adyen suit product companies that want control. Regional rails matter more than brand names in markets like Pakistan, the Gulf, and East Africa. We give clients a written recommendation with the trade-offs before any code is planned.
Tell us how money should move through your product.
Bring the gateway you have, the one you are considering, or no opinion at all. You will leave the first call with a written view of the right rail and what the integration honestly involves.
Start the conversation