PAYMENTS, WALLETS & LENDING
Payment, wallet, and lending products, from MVP to scale
Accounts, cards, payouts, KYC onboarding, and credit decisioning built into your product and connected to the banking, card, and KYC providers it relies on.
Where the engineering focus sits
Each provider brings its own API, onboarding rules, and edge cases, and every new rule touches several of them at once. Roadmap time goes to integration work.
Case studies
Real work already in production — a closer look at the kind of problems it solves, before you describe your own.
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01
Invoicing, payouts, IBAN accounts, and cards for freelancers and businesses
Challenge
The startup's first version had proven the idea of financial services between freelancers and their clients, while users asked for better performance and experience.
Solution
A technical audit and deep refactoring of the previous team's work, then three products on one platform: invoicing for freelancers, multi-currency payouts for businesses, and a card app with virtual and physical cards. Banking providers connected for IBAN accounts, payments, and card issuing, with identity verification for every user.
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02
E-banking module with KYC onboarding, e-wallets, and transfers
Challenge
The company needed a way to offer online banking to marketplaces and other businesses as a service, with full support.
Solution
A modular white-label e-banking system: registration with KYC through third-party providers, e-wallets, internal and external transfers, and an admin panel that monitors every operation. Client businesses integrate the module and run their own users on it.
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03
BNPL and microloan MVP with KYC, open banking, and credit scoring
Challenge
A founder raising investment needed a multi-feature MVP in a short time, with partner integrations kept within budget.
Solution
Built from scratch: microloans, transfers against a loan, and purchases from partner marketplaces inside the app. Credit logic runs on Provenir scoring, KYC on ShuftiPro, and payments connect to the Mastercard ecosystem. The MVP is in active development toward the next round.
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04
Cashback and loyalty app with tokenized card registration
Challenge
The bank wanted to reward card payments at its partner stores with cashback, through a secure mobile app for its loyalty program.
Solution
A cross-platform app where customers register payment cards, browse partner stores, and get routes to them with native geolocation. Card data is tokenized through the OpenWay payment gateway and encrypted with AES-256; the backend processes transactions asynchronously and accrues cashback, running on Docker and Kubernetes for fault tolerance under load.
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05
Multi-currency wallets and automated commission payouts
Challenge
The platform reached AKDev after a previous team, with many open defects, and needed a stable launch with reliable payouts.
Solution
A full refactoring with test coverage, internal wallets in several currencies, a referral program with automatic commission calculation and payouts, and Paysera integration for payments. Laravel, PostgreSQL, Docker.
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06
Payment terminal app rebuilt for Android
Challenge
The provider needed its payment terminal application rewritten for Android, across several terminal models.
Solution
Clean architecture with MVVM and Jetpack Compose, an interface adapted to each terminal, Kotlin and Room. The app covers payment, cancellation, refund, receipt copies, reports, shift opening and closing, connection checks, configuration updates, and key loading.
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07
Integration bus between internet banking, mobile apps, and core systems
Challenge
Requests between internet banking, mobile apps, internal bank applications, and third-party services needed faster, more reliable processing on a high-volume platform.
Solution
A monolithic MVP delivered in three months, then the target system rebuilt as microservices within a year: Java 17, Spring Boot, Kafka, PostgreSQL, and Tarantool.
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08
Customer portal with payments, billing, and a CRM tied to the ERP
Challenge
One of Latvia's largest LPG suppliers ran its customer portal, delivery, service, and CRM as separate tools that needed modernizing.
Solution
A customer portal with payments, service requests, and live tank data; refactored delivery apps; a new CRM integrated with the existing ERP and database. Active portal users doubled within a year.
Three ways to work together
Each one starts with a technical review that ends in a written plan and an estimate.
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01
Payments & Banking Integrations
Connections to banking, card, KYC, and credit providers designed, built, tested, and handed off.
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Starts with an integration plan: data flows, edge cases, and an estimate
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Banking partners, card issuing, KYC, open banking, and credit scoring
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Design, build, testing, and deployment
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Documentation your team can work from
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02
Product Engineering Pod
A dedicated team builds your product roadmap sprint by sprint, alongside your people.
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Starts with a review of the product, including code left by a previous team
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Dedicated engineers, shared planning, and regular demos
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Delivery under your brand for software providers serving banks
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Capacity that grows with the roadmap
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03
Modernization & Migration
Processing, core, and database migrations, planned around data integrity and live operations.
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Starts with a pre-migration audit: what moves, what changes, and in what order
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Migration with integrity checks on every record
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Database moves, including Oracle to PostgreSQL
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Load testing of card authorization flows before the switch-over
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Talk to the people who build it
Daria Pilyugina
Senior Business Development Manager
Delivery partnerships: white-label development for banking software providers, product integrations, referral cooperation.
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Confidentiality built into every engagement.
An NDA is signed before discovery, and code and data access is limited to the assigned engineers.
FAQs
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Which providers have you integrated?
Examples from delivered projects: banking providers for IBAN accounts, payments, and card issuing; OpenWay for card tokenization; Paysera for payments; ShuftiPro for KYC; Mastercard Open Banking and BIN Lookup; and Provenir for credit scoring. Any provider with an API or file exchange is connected the same way.
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Can you take over a product from a previous team?
Yes. Work starts with a review of code, architecture, and integrations, followed by stabilization and the roadmap, as in the Paily relaunch.
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Can your engineers work in our codebase alongside our team?
Yes. A product engineering pod joins your planning, follows your review and release process, and scales with the roadmap.
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How is card and customer data handled?
Inside your environment and security policies. Hosting, encryption, and access roles are fixed in the technical proposal.
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How is cost determined?
Scoped together after a discovery call and a technical review of what exists. Every estimate comes with a technical proposal.
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Who maintains the system after launch?
That is agreed with you, in the form that suits your team: the engineers who built it stay on for support, updates, and new features; support runs on agreed hours and response times; or your own team takes over with full documentation and a handover. The options can change as the product grows.
Still have questions?
Not covered here?
A direct question usually gets a faster answer.
Tell us about your project
A few sentences are enough to start.
- Reply within one business day
- A concrete next step
- NDA on request
- 5.0 on Clutch
