How to Get Payments Off Your Product Roadmap

"Just One More Sprint on Payments"

You know this meeting. It happens every planning cycle.

Product wants to ship a new feature. Engineering says they can — but they need two weeks to fix a PSP webhook issue first. Or update the PCI scanning. Or handle a new dispute flow. Or integrate the PSP that the latest enterprise prospect requires.

Payments never occupy one sprint. They occupy a permanent, expanding slice of your engineering capacity — and they never give it back.

This isn't because your team built payments badly. It's because payment infrastructure has an irreducible maintenance cost that grows with every PSP, every channel, every compliance update, and every enterprise customer with specific requirements.

The question isn't "how do we build payments better?" It's "should we be building payments at all?"

How Payments Hijack a Product Roadmap

Phase 1: The Reasonable Request

"We need to accept payments. Let's integrate Stripe."

Two engineers, two months. Basic checkout, webhook handling, some reporting. It ships. Everyone moves on.

Phase 2: The First Complication

An enterprise prospect requires Worldpay. Their compliance team mandates it. The deal is worth £500K ARR.

So your team builds a second PSP integration. Different API, different webhook format, different error codes, different settlement process. Three months of engineering time. The feature roadmap slides.

Phase 3: The Compliance Burden

Your security team runs a PCI scan. Turns out your architecture puts several systems in PCI scope. The remediation project takes two engineers off the roadmap for a quarter.

Annual PCI audits become a recurring line item — not just in cost, but in engineering attention.

Phase 4: The Channel Expansion

Sales wants payment links for outbound campaigns. The contact centre wants phone payments. The AI team wants their voice agent to take payments.

Each new channel needs its own payment integration, its own PCI considerations, and its own ongoing maintenance. Your payments codebase is now larger than some of your core product features.

Phase 5: The Permanent Tax

You now have 3-4 engineers who spend most of their time on payment infrastructure. They maintain PSP integrations, handle PCI compliance, debug settlement discrepancies, manage dispute workflows, and respond to PSP API changes.

These engineers aren't building your product. They're building someone else's.

The Real Cost: Engineering Capacity, Not Just Money

The £2M PCI cost and £360K annual maintenance figures get attention. But the harder cost to quantify — and the one that matters most — is what doesn't get built.

For a 20-person engineering team dedicating 4 engineers to payments:

That's 16 engineer-quarters — a full year of a 4-person team — spent on infrastructure that isn't your competitive advantage.

Over three years, it compounds. Your competitors (who aren't building payment infrastructure) ship 48 more engineer-quarters of product features. That gap is visible to prospects, to the market, and to your board.

What "Getting Payments Off the Roadmap" Actually Means

It doesn't mean removing payments from your platform. Embedded payments are often essential to your product and your revenue.

It means moving payment infrastructure from "things we build and maintain" to "things we use."

The same way you don't build your own database engine (you use PostgreSQL), your own hosting stack (you use AWS), or your own email infrastructure (you use SendGrid) — you don't need to build your own payment infrastructure.

What You Stop Doing

• Building and maintaining individual PSP integrations

• Managing PCI DSS compliance and annual audits

• Debugging PSP webhook handling and settlement discrepancies

• Building payment UIs (checkout forms, payment pages, receipts)

• Hiring and retaining payment-specialist engineers

• Responding to PSP API changes and deprecations

• Building each new payment channel from scratch

What You Keep Doing

• Deciding which payment features your platform offers

• Setting pricing and revenue share models

• Customising the merchant experience (white-label)

• Integrating payment events into your product workflows

• Controlling which PSPs your merchants can use

• Building differentiated product features on top of payment capabilities

What Changes

• Integration effort: From months per PSP to one integration, once

• PCI scope: From your problem to the payment layer's problem

• New PSPs: From engineering projects to configuration changes

• New channels: From build projects to API calls

• Ongoing maintenance: From 3-4 FTEs to zero dedicated payment engineers

• Roadmap space recovered: 20-30% of engineering capacity back on your core product

The Objections (and Honest Answers)

"We'll lose control of the payment experience"

White-label payment infrastructure means you control the brand, the merchant experience, and the business logic. The merchant never sees the payment layer — they see your platform. You don't lose control; you lose maintenance burden.

"Adding a dependency is risky"

You already depend on external infrastructure for hosting, databases, email, monitoring, authentication. Payment infrastructure is the same category — mission-critical infrastructure that's better handled by a specialist than built in-house.

The risk isn't adding a dependency. It's maintaining a critical system with a team that should be working on something else.

"Our payment integration is a competitive advantage"

Is it? Or is it a cost of entry that every competitor also has?

Unless payments are literally your product (you are a payments company), your competitive advantage is your core product — the workflow, the domain expertise, the user experience that makes customers choose you over alternatives. Payment infrastructure supports that advantage. It rarely is that advantage.

"We've already invested too much to switch"

Sunk cost. The question is forward-looking: what will maintaining this infrastructure cost over the next three years, and what will your team build instead if you don't have to maintain it?

If the next three years of maintenance cost (£850K-£1.75M annually) plus the opportunity cost of 4 engineers exceeds the cost of switching to a payment layer, the decision is clear.

"Our CFO wants us to own the full payment margin"

Full margin on a system that costs £1M+ to build and £850K+ per year to maintain is not full margin. It's gross margin minus a very large infrastructure cost.

A revenue share model with a payment layer typically yields higher net margin — lower total cost, faster time to market, and engineering capacity redirected to revenue-generating product features.

How to Make the Case Internally

For the CTO

"We're spending 20% of our engineering capacity on payment infrastructure. That's [X] engineer-quarters per year not spent on [specific product feature]. A payment layer eliminates the maintenance burden and gives us multi-PSP, multi-channel coverage through a single integration."

For the CFO

"Our payment infrastructure costs £[X] per year in direct costs (engineering salaries, PCI compliance, PSP maintenance) plus £[Y] in opportunity cost (features not built). A payment layer replaces this with transaction-based pricing — typically £[Z] per year. Net saving: £[A], plus we ship faster."

For the CEO

"We're a [your product category] company building payment infrastructure. Every sprint spent on payments is a sprint not spent on [core product]. Our competitors aren't building payments — they're using a layer. We should too."

For the VP Engineering

"I want my team building [core product features], not debugging Worldpay webhooks. A payment layer gives us better coverage (40+ PSPs, voice, links, AI) with zero ongoing engineering maintenance."

FAQ

How long does the transition take?

Most platforms integrate a payment layer in 2-4 weeks. Existing merchants can be migrated gradually — no big-bang cutover required. Your team's maintenance burden drops immediately; full migration happens over months as merchant contracts renew.

What happens to our existing PSP relationships?

They continue. Your existing PSP (Stripe, Adyen, Worldpay, etc.) becomes one of the PSPs available through the payment layer. Merchants currently on that PSP stay on it — transactions just route through the payment layer. No merchant disruption.

Will we still need any payment engineers?

You'll need product engineers who understand payment flows (integration, business logic, UX decisions). You won't need infrastructure engineers maintaining PSP integrations, PCI compliance, and settlement reconciliation. The shift is from "build and maintain" to "configure and use."

What if we need custom payment logic?

Payment layers provide APIs for custom logic — split payments, escrow, delayed capture, conditional refunds. The difference is you're building custom business logic on top of infrastructure someone else maintains, rather than building both the logic and the infrastructure.

Related Reading

• Shuttle vs Building In-House — the detailed cost comparison: build vs payment layer

• When Your SaaS Outgrows Stripe Connect — if your team is maintaining a Stripe integration that's grown beyond its original scope

• How Platforms Monetise Payments Without PSP Lock-In — redirect engineering capacity toward revenue-generating payment features

• AI Payment Security: How AI Agents Handle Card Data — why adding AI agent payments to an in-house build is even harder

• Agentic Payments in 2026: The Infrastructure Guide — the next channel your roadmap will need to support

• What is PCI DSS? | What is PCI Scope? | What is a Payment Layer?

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