Payments technology
From the team that built Multicommerce – the B2B virtual-card platform now known as Pax2Pay. PCI-DSS aligned, production-grade payments delivery.
Payments credentials
Multicommerce → Pax2Pay
Our founders built Multicommerce, a B2B virtual-card payments platform delivering major cost and process savings for travel suppliers. It has since evolved into Pax2Pay, serving major travel brands including TUI.
Tier 1 UK retail bank
Engineering work delivered into a Tier 1 UK retail bank under formal change control – the same security, audit and release rigour that fintech and payments platforms demand.
How we help
Payment platform builds
End-to-end design and build of payment platforms – tokenisation, virtual cards, settlement and reconciliation.
Learn morePCI-DSS aligned delivery
Architecture, secure SDLC, segmentation and operational practice aligned with PCI-DSS – from scratch or as an uplift.
Learn morePayment integrations
Stripe, Adyen, Worldpay, Pax2Pay and bespoke acquirer integrations – done properly, with strong error and reconciliation handling.
Learn morePayments cyber security
Threat modelling, penetration testing and incident response tuned for payment estates and regulated workloads.
Learn moreFrequently asked questions
What payments experience does HowTech have?
Our founders built Multicommerce, a B2B virtual-card payments platform that has since become Pax2Pay – now serving major UK travel brands including TUI. The team has direct, production experience with virtual cards, B2B settlement and PCI-DSS aligned delivery.
Are you PCI-DSS qualified?
We design and build to PCI-DSS standards and have done so for production payment platforms. We are not a QSA – we partner with QSAs where formal attestation is required and bring the technical delivery rigour to make assessments smooth.
Do you only work with travel payments?
No. Travel was the original domain, but the same patterns (tokenisation, virtual cards, B2B settlement, reconciliation, PCI-DSS) apply across fintech, insurance and regulated commerce. We are happy to engage anywhere those problems exist.
Can you integrate with our existing acquirer or PSP?
Yes. We have hands-on experience with Stripe, Adyen, Worldpay, Pax2Pay and bespoke acquirer integrations – including the reconciliation, refunds and exception flows that usually get under-specified.
Building or modernising a payments platform?
We've built production payments at scale and know where the sharp edges are. Talk to us before you commit.
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