B2B Credit Card Payment Platform
An early-stage FinTech startup wanted businesses to pay rent, GST and vendors by credit card. We built the full platform, and proposed the architecture that made it production-safe.
Overview
A fixed-scope engagement for an early-stage FinTech startup with a clear vision: a mobile-first platform that lets businesses make credit card payments to recipients who traditionally can't accept them, such as rent, GST and vendor payments. XLORIT turned that vision into a fully working product as the first and only development team.
Credit cards work everywhere, except where businesses actually need them most
Businesses routinely need to pay rent, taxes and vendor invoices, but most recipients can't accept credit cards. The client wanted to bridge that gap through a mobile app with full KYC verification, a multi-gateway payment infrastructure and an admin panel for real-time control. All of it was money-sensitive, and all of it required zero tolerance for silent failures.
- KYC identity and beneficiary verification before any transaction
- Multiple payment gateways that needed fallback logic
- OTP-based authentication that couldn't become a single point of failure
- A fully configurable admin layer for a money-sensitive product
Our Approach
We built the full platform, and proposed the architecture that made it production-safe.
Built for what can go wrong, not just what should go right
In FinTech, a payment routed to a failed gateway, an OTP that never arrives or a transaction with no audit trail breaks user trust permanently. We identified those risks, proposed the solutions and built them into the architecture from the start. The client came to us after smaller features and trusted us with the full build; the gateway fallback, OTP redundancy and admin layer were all our proposals, approved as additions to the original brief.
- 0 → fully shipped mobile app, backend and admin panel
- Multiple payment gateways with adapter-based fallback
- Multi-provider OTP with automatic fallback
- Full identity and beneficiary KYC verification flow
- Structured logging on every user action and payment event
- Validated in early production with real transactions
As an early-stage startup, we needed a team that thinks like a co-founder on the tech side, not just people who write code. That's exactly what we got.
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Building a payment-sensitive product?
Most dev teams build for the happy path. We build for everything else.
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