FinTech Payment Gateway & Virtual Cards

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.