Hi, I'm Adam - a payments engineer, co-founder and former CTO at Fluid Payments. I connect payment gateways, build money-in / money-out flows, and harden the systems that handle real transactions. Twelve years building where money, compliance and user experience are the whole job, across iGaming and fintech.
The core of the work is integration: connecting gateways, building transactional flows, and making them survive contact with real volume, fraud and compliance. When you also need someone to steer the wider engineering picture, I've done that too.
Hands-on engineering to connect, orchestrate and harden your payment stack, built to clear compliance and scale.
When the problem is bigger than the codebase: fractional or interim CTO support for teams scaling their payment platform, covering architecture, hiring, and the judgement calls that matter.
Production experience with the orchestration layers, gateways and embedded cashiers that move real money in regulated markets.
New orchestrator, PSP, acquirer, wallet or cashier on your roadmap? Integrating unfamiliar payment APIs and embedding a cashier cleanly is the core of the work. These are simply the ones I'm asked about most.
A gateway integration that technically works can still leak revenue at the last step. After years watching real users move money across markets, I build the deposit / withdrawal flows around how people actually behave, not how we assume they will.
Where users hesitate, abandon or retry. Field order, default amounts, error recovery and the small frictions that quietly cost you completed deposits. I design flows to reduce drop-off at each step.
Payment behaviour is local. The right methods, currencies and layout for each market, from card-first regions to bank-transfer and wallet-led ones, surfaced by location so users see what they trust first.
The cues that make people comfortable handing over money: clarity on fees and timing, sensible defaults, and friction placed only where compliance genuinely needs it, never where it just costs conversions.
Processing credit card information means PCI-DSS. The choice between hosted fields and a gateway-hosted checkout shapes both your compliance burden and your conversion rate. I build either, and help you pick the one that fits your risk appetite and your users.
PCI-DSS aware by designCard inputs are embedded in your own checkout via the provider's secure fields, so the page looks and feels like yours while sensitive data never touches your servers. Keeps the branded experience and tighter conversion, with PCI scope reduced through tokenization rather than eliminated.
The customer completes payment on the provider's own hosted page, so card data stays entirely off your infrastructure. This is the lightest compliance footprint available, at the cost of some control over the look and flow. Often the right call for smaller teams or fast launches.
Most projects mix both across different flows. The job is matching each money-in path to the compliance scope and user experience that actually suit it, not defaulting to one model everywhere.
No bench of juniors, no slide decks billed by the hour. You work with the person doing the work.
A short, frank conversation about where your payments stack is, where it needs to be, and what's actually in the way.
Whether it's an integration sprint or steering the team, I work inside your codebase and process, not from the outside.
Documented, tested, and owned by your team. The goal is a stack you can run without me.
Tell me what you're building. I reply to every serious enquiry personally.