B2B/B2C Fintech SaaS for Unified Payment Automation

A powerful fintech SaaS platform unifying 100+ services into a modular B2B/B2C payment aggregation system with real-time visibility, automation, and white-label partner support.

Fintech
Startups & MVP
SaaS
.Net
Web Application
React.js
project information

Project Overview

We developed a custom fintech app designed to unify over 100+ digital services, including utility bills, recharges, OTT subscriptions, government fees, and more, into one centralized platform. The goal was to streamline fragmented payment systems across B2B and B2C markets by offering real-time transaction orchestration, service onboarding flexibility, and modular expansion. With a focus on scalability, compliance, and automation, the platform provides an end-to-end fintech SaaS for business process automation, enabling white-label partners to serve millions without managing complex integrations or fragmented systems.

Real-World Challenges of Unified Fintech Platforms

Real-World Challenges of Unified Fintech Platforms
API Fragmentation Across Billers

API Fragmentation Across Billers

Each biller had a different protocol, data format, and uptime policy. Normalizing these disparate APIs into one smooth, consistent layer required deep abstraction and resilient integration strategies.

Security, Compliance & UX Balance

Security, Compliance & UX Balance

We needed to implement KYC, PCI DSS, and strong encryption without compromising transaction speed or user experience—balancing regulatory rigor with frictionless payments.

Real-Time Feedback Demands

Real-Time Feedback Demands

Users expect instant confirmations for services like recharges. Coordinating synchronous status updates from dozens of third-party providers posed major orchestration and latency challenges.

Scalable, Dynamic Service Onboarding

Scalable, Dynamic Service Onboarding

With new services constantly emerging, we had to design a modular framework where services could be added on the fly without affecting the core system architecture.

Billing Discrepancies & Reconciliation Complexity

Billing Discrepancies & Reconciliation Complexity

Billing inconsistencies and failed confirmations from external services had to be resolved automatically and transparently. Reconciliation mechanisms needed to be smart, real-time, and dispute-ready.

Localized Scalability Requirements

Localized Scalability Requirements

Supporting regional government services meant deep localization in compliance, language, and transaction workflows—each of which had to be accounted for in a single platform.

How We Built Seamless Automation

How We Built Seamless Automation

To solve these challenges, we engineered a resilient, modular backend with real-time orchestration, flexible APIs, and automated reconciliation for scalable fintech workflow automation.

Microservices-Based Architecture

Microservices-Based Architecture

We built a distributed system that allows different services to scale independently, reducing downtime risk and enabling seamless updates across critical modules.

Dynamic Service Management Engine

Dynamic Service Management Engine

New services can be plugged in using configuration files, not code rewrites. This enabled us to onboard new integrations in days—not weeks.

High-Reliability Orchestration

High-Reliability Orchestration

Using Redis, queuing, and retry logic, we built a system that recovers gracefully from external service failures—delivering near-perfect uptime and reliability.

API Normalization & Abstraction Layer

API Normalization & Abstraction Layer

A robust middleware layer standardizes interactions with all third-party billers, eliminating inconsistencies and ensuring smooth transactions regardless of source protocol.

Role-Based Multi-Tenant Platform

Role-Based Multi-Tenant Platform

Partners and internal users get role-specific dashboards with customized access control—ensuring data security while empowering franchisees and agents.

Audit Trails & Transaction Monitoring

Audit Trails & Transaction Monitoring

End-to-end visibility for all transactions via intelligent logging and dispute resolution modules helped reduce failures and speed up customer support resolutions.

Full-Spectrum Fintech Platform Features

Full-Spectrum Fintech Platform Features
Unified Aggregation API

Unified Aggregation API

One API connects over 100 services including recharges, utilities, OTTs, insurance, government, and transport payments—saving integration time and effort.

Real-Time Transaction Visibility

Real-Time Transaction Visibility

Smart alerts and notification engines inform users and partners of every transaction update, including recharges, status changes, and refunds.

Multi-Channel Bill Payment Support

Multi-Channel Bill Payment Support

Supports mobile, DTH, electricity, water, gas, FASTag, and more—providing comprehensive digital payment infrastructure across regions and industries.

Smart Invoicing & Reconciliation

Smart Invoicing & Reconciliation

Automated matching, discrepancy handling, and periodic reconciliation ensure revenue accuracy while saving hours of manual accounting work.

Fraud & Dispute Management Module

Behavior-based anomaly detection, multi-layer authorization, and audit logs protect the system from fraud and improve issue resolution response times.

White-Label & Localization Capabilities

Partners can launch their own portals with language, currency, and branding customizations—ideal for expansion into new geographies.

Tech Stack Used in Development

Tech Stack Used in Development
Angular

Angular

Tailwind CSS

Tailwind CSS

MongoDB

MongoDB

Node.js

Node.js

Express.js

Express.js

REST APIs

REST APIs

Redis

Redis

Webhooks

Webhooks

Data Encryption

Data Encryption

OAuth 2.0

OAuth 2.0

Docker

Docker

JWT Auth

JWT Auth

CICD via GitHub

CICD via GitHub

NGINX

NGINX

Rate Limiting

Rate Limiting

Grafana

Grafana

ELK Stack

ELK Stack

Prometheus

Prometheus

Business Results from Automation

Business Results from Automation

3X Transaction Growth in 6 Months

Within half a year, transaction volume tripled—proving the system's reliability, customer trust, and readiness for scale.

80% Faster Onboarding of New Services

The dynamic onboarding module helped reduce integration time drastically, empowering business teams to launch faster.

60% Reduction in Failures

Retry logic and fallback mechanisms significantly lowered transaction drop-offs, improving revenue flow and customer trust.

50+ Partners Enabled via White-Label Access

With custom dashboards and API access, our partners launched their services seamlessly, expanding the solution’s reach and brand presence.

99.9% Uptime Achieved

Robust orchestration and fault-tolerant design ensured business continuity even during third-party API downtimes or updates.

95% CSAT for Customer Support

Instant resolution, real-time updates, and auto-escalations led to one of the highest customer satisfaction scores recorded post-launch.

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