Telegram Chat bot Native Wallet & Virtual Cards

About

Fintech ecosystem built on Telegram, allowing users to issue virtual cards, conduct instant P2P transactions, and pay for online services directly within the messenger.

Problem

The client aimed to build an independent payment gateway but lacked a clear product structure, flow, and tech architecture. They needed support in defining the system from scratch — from UX logic to technical documentation and implementation roadmap.

Scope of Work

Merchant Dashboard was designed to provide business clients with a unified interface to:

• manage invoices and incoming payments,
• generate and track payment links or QR codes,
• set up and configure API keys for integration with their platforms,
• view transaction logs, statuses, and reconciliation reports,
• manage account settings, KYC data, and withdrawal methods.
  
  

  Payment Gateway API allows integration with online stores, platforms, and third-party services. Features include:

  
  
• tokenized card payments,
• recurring billing,
• webhook notification support,
• customizable checkout widgets,
• fraud detection and transaction scoring.
  
  

  User Wallet Interface (optional module) enables end users to:

  
  
• link cards or bank accounts,
• store balance or loyalty points,
• pay via mobile number, QR code, or in-app tokens,
• view transaction history and manage settings.
  
  

  Jedipay was built with a modular architecture, supporting scalable microservices, secure data encryption, and real-time processing to ensure compliance with industry standards such as PCI DSS.