Palfora designs, develops, deploys and supports everything from focused landing pages to enterprise applications, payment systems, e-commerce platforms and native Apple software.
Palfora takes responsibility for strategy, architecture, UX, application development, integrations, deployment, payments, security and ongoing engineering, so the interface, the application and the infrastructure behind it are designed by the same people.
W-01
Personal CRM · iPhone, iPad and Mac
Dextr layers tags, relationships, first-met context, reminders and a social graph on top of the contacts already on an iPhone. Data stays on the device and syncs through the user’s own iCloud, and a native Mac app joined iPhone and iPad in 2026.
W-02
AI statement analyzer · Web application
A web application where a business uploads a card-processing statement and receives an automated audit: pricing model, effective rate, network charges checked against current rate schedules, and the fees worth challenging. Accounts, saved reports and Stripe checkout for the full report.
W-03
Trading analytics · Web application
Valfolio pulls trades from multiple brokerages into one ledger, tags them into strategy baskets and reports realised and after-tax performance, options income and wash-sale alerts. Read-only brokerage connections, passkeys and two-factor sign-in, Stripe billing.
Landing pages, marketing sites, storefronts and multi-tenant applications, built by one team that owns the interface, the application layer and the deployment behind it. E-commerce is treated as a system: catalog, checkout and the payment plumbing designed together.
Swift applications that share one data layer with the web platform, so accounts, sync and billing behave the same on every screen. iCloud sync, widgets, Shortcuts and App Store subscriptions are part of the build, not an afterthought.
Processor integrations, tokenization, webhooks and reconciliation, designed with PCI scope in mind from the first diagram. The same people read the merchant statement, evaluate processors and negotiate the terms, so the implementation and the commercial side agree.
Cloudflare edge deployment, cloud and application architecture, and the security work that happens as part of building: secrets, least privilege, dependency hygiene and sensible defaults on every endpoint. Existing systems get a review and a prioritised plan, with or without us.
The size of the project changes. The engineering standard doesn’t.
Where card data flows, which processor you use and how refunds reconcile are decided long before the checkout page is designed. Palfora handles the integration and the commercial side, from processor evaluation to negotiating the rate itself, with PCI scope in mind from the first diagram.
| Description | Rate | Amount | Note |
|---|---|---|---|
| Card volume | $100,000.00 | ||
| Interchange | 1.80% | $1,800.00 | Set by the card networks, not the processor. |
| Assessments | 0.14% | $140.00 | |
| Processor markup | 0.30% | $300.00 | The negotiable line. |
| Monthly fees | $60.00 | ||
| Effective rate | 2.30% | $2,300.00 | The only number to compare processors on. |
| No. | Concern | Consequence |
|---|---|---|
| P-01 | Architecture | Tokenisation, vaulting and which services ever see card data. |
| P-02 | Checkout experience | Payment methods, failure handling and how fast a customer gets to a receipt. |
| P-03 | Compliance | PCI DSS scope, data retention and what your auditors will ask about. |
| P-04 | Data handling | What you store, for how long, and how refunds and disputes are reconciled. |
| P-05 | Processor compatibility | Which gateways, platforms and hardware work with which accounts. |
| P-06 | Transaction costs | Interchange, markups and fees that compound with every sale. |
| P-07 | Scalability | What happens when volume grows, when you add a second currency, or when a processor changes terms. |
Business model, requirements, constraints and the systems you already run.
The stack, integrations, data model and deployment strategy, chosen for the problem rather than by habit.
Iterative development with working software at every step, not a reveal at the end.
Performance, responsive behaviour, security, accessibility and the edge cases that show up in production.
Production deployment and infrastructure configuration, with monitoring in place before launch.
Continue improving the system as requirements, traffic and the business grow.
Phillip Parker founded Palfora and leads its web application, architecture and payments work. He has worked in and around the payments industry since 2005, first as a merchant account sales agent and then as the founder of CardPaymentOptions.com, the independent processor-review site he ran full time from 2009 and relaunched as PaymentPop in 2026.
Andrew Theis is a software engineer focused on Apple platforms and the founder and creator of Dextr, a personal CRM for iPhone, iPad and Mac that keeps contact data on the device and syncs through the user’s own iCloud.
