Everyday Digital Wallet Transactions
Customers can add money, send and request funds, view balances, manage frequent transactions, pay merchants, and download statements.
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A production-ready payment ecosystem connecting customers, cash-in/cash-out agents, and merchants through wallet transactions, QR payments, configurable financial rules, and a wallet-based payment gateway.
Industry
FinTech & Digital Payments
Technology
Laravel 12, Flutter, MySQL, REST APIs, Firebase
Engagement
Digital Wallet & Payment Gateway Development
The platform was built to bring digital money management and payment collection into one coordinated ecosystem. Customers can add money, transfer funds, request payments, withdraw, pay merchants, and review their transaction history from a mobile wallet. Agents support cash-in and cash-out, extending access to customers who need to move between physical cash and wallet balances.
Merchants have a dedicated panel for collecting wallet payments, managing transactions and withdrawals, and integrating payment functionality into their own websites or applications. An administration panel controls e-money distribution, account approvals, transaction rules, fees, commissions, payment methods, and reporting. Together, these experiences provide a shared foundation for customer transactions, agent operations, and merchant payment acceptance across web and mobile.
Customers, agents, merchants, and administrators each get a dedicated experience, connected through shared wallet and transaction services.
3
Connected Participant Groups
4
Apps & Web Panels
12+
Payment Gateway Options
4
SMS & OTP Providers
Customers can add money, send and request funds, view balances, manage frequent transactions, pay merchants, and download statements.
Approved agents can manage their wallets, handle customer cash-in and cash-out, process relevant requests, and view their transactions and commissions.
Merchants can receive wallet payments, manage transaction records and withdrawals, and use API credentials to connect wallet checkout to their own digital storefronts.
Customer and merchant QR codes offer a convenient way to identify a wallet and initiate a payment without manually entering every payment detail.
Administrators can define transaction charges, agent commissions, withdrawal methods, bonuses, and per-transaction, daily, and monthly limits.
A digital wallet becomes harder to operate as it expands beyond simple transfers. Customers need different ways to fund, use, and withdraw balances; agents must handle cash transactions; merchants need reliable payment collection; and administrators need clear control over e-money, transaction limits, fees, approvals, disputes, and provider configurations. The central challenge was to connect these roles and money movement paths in one manageable platform, with a consistent record of transactions across mobile applications and web panels.
The product separates customer, agent, merchant, and administrative responsibilities while keeping wallets and transactions coordinated.
We developed a multi-role wallet platform supported by mobile applications, web panels, REST APIs, and configurable financial controls.
Each participant has a focused experience, while the administration layer coordinates money movement and operational rules.
A mobile wallet for registration, verification, add money, wallet transfers, payment requests, cash-out, withdrawals, merchant payments, QR scanning, and transaction history.
A dedicated experience for agent approvals, e-money activity, customer cash-in and cash-out, withdrawals, commission tracking, notifications, and account management.
A business workspace for receiving wallet payments, viewing transactions, managing settlement-related activity and withdrawals, and accessing public and secret API credentials.
The central panel controls users, e-money, charges, transaction rules, gateways, verification, reports, and system settings. The gateway connects merchant checkout to wallet authorization and payment confirmation.
The feature set covers customer money movement, agent cash services, merchant collection, platform monetization, and financial administration.
The engagement covered mobile wallet journeys, agent operations, merchant payments, backend services, gateway integration, administration, and deployment.
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A phased delivery model kept customer transactions, agent cash handling, merchant checkout, and administrator controls aligned around consistent wallet and transaction records.
Defined the roles, wallet actions, cash-in/cash-out processes, merchant payment flow, charges, commissions, limits, and approval requirements.
Organized customer and agent mobile journeys, merchant payment tools, and administrative workflows around clear transaction states and actions.
Built Laravel backend services, MySQL data structures, REST APIs, mobile applications, merchant tools, and the admin panel.
Connected wallet checkout, payment provider options, OTP/SMS services, PIN checks, QR workflows, and Firebase notifications.
Validated the connected wallet, cash, merchant, reporting, and administrative journeys and prepared the product for production operation.
Gateway and messaging integrations can be configured around the payment methods and communication services relevant to an operating market.
Payment provider options for relevant add-money and payment workflows.
Regional gateway options.
Additional market-specific payment options.
Further supported payment integrations.
Configurable SMS and OTP service options.
Push notifications across the mobile ecosystem.
Connectivity among applications, merchant checkout, and external services.
Wallet identification and payment initiation.
The delivered platform brings customer wallet activity, an agent cash network, merchant payment acceptance, and administrator oversight into one operating environment.
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Customers, agents, and merchants use dedicated experiences connected by shared wallet and transaction services.
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Top-ups, transfers, payment requests, cash-in, cash-out, withdrawals, and merchant payments are part of the same product.
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The gateway allows merchants to present wallet checkout in external websites or applications.
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Administrators can manage fees, commissions, bonuses, supported methods, and transaction limits centrally.
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History, exportable statements, merchant reports, agent commission views, and admin reporting provide role-specific records.
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Payment providers, SMS services, languages, and financial settings can be adapted to the markets in which the platform operates.
Business Value — The platform gives an operator a single environment for managing digital wallet services and merchant payments. Customers gain practical ways to move and use funds, agents support access to cash services, and merchants can collect wallet payments through integrated checkout. Centralized rules and reporting make the different transaction journeys easier to administer as one product.
The delivered platform brings wallet activity, agent cash services, and merchant payment collection into a coordinated financial product. Customers have clear mobile journeys for transfers and payments; agents can manage cash transactions and commissions; merchants can collect funds and access payment integration tools; and administrators can oversee e-money, limits, charges, approvals, gateways, and reporting from one place.
Rahul Sharma
Founder
Bring customer wallets, agent services, and merchant payments into a connected product designed around your transaction flows and operating markets.
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Trusted By 200+ Businesses Worldwide
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Happy Clients
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industry
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Expert Engineers
98%
Client Retention
We believe technology should simplify business, enable smarter decisions, and create room to grow. Every solution we build turns ambitious ideas into meaningful digital experiences that deliver lasting value.
Mayur Godhani
Founder & CEO
Great technology should create momentum, not complexity. We engineer secure, scalable systems that simplify every interaction, strengthen your operations, and keep your business ready for whatever comes next.
Dipak Kukadiya
CTO
We turn complex requirements into reliable digital solutions through clear communication, strong ownership, and consistent delivery—always focused on quality and real business value.
Pratik Sodavadiya
Head of Delivery