Case Study
Merchant Payment Wallet
Merchant Payment Wallet enables businesses to accept digital payments, manage wallet balances, track transactions, and oversee merchant activity through one connected platform.
- 5.5 MonthsDelivery Timeline
- 7 SpecialistsProject Team
- 12 Payment InterfacesConnected Interfaces
Project Overview
Merchant Payment Wallet is an eWallet platform designed to help merchants manage digital payments and related financial activity from one connected environment. Merchants can create accounts, manage wallet balances, receive payments, review transaction records, and monitor payment activity through dedicated interfaces. Internal teams can oversee merchant accounts, wallet activity, payment records, settlements, and operational exceptions through an administration dashboard. The product was built to simplify merchant payment management while providing structured visibility across financial workflows. Abhineh Infotech supported the project across product planning, UI UX design, application development, payment integrations, testing, and production deployment.
Project Idea
Merchant Payment Wallet was designed to give merchants a focused digital wallet experience for accepting payments, managing balances, and monitoring transaction activity.
Merchants often manage payment activity across multiple channels, making it difficult to maintain a clear view of balances, transactions, settlements, and payment status. The platform needed to bring these activities together while keeping everyday payment tasks straightforward for merchants and operational teams.
Abhineh Infotech connected merchant accounts, digital wallets, payment processing, transaction records, settlements, notifications, and administrative workflows through a unified architecture. Shared backend services helped maintain consistent financial information across merchant and staff interfaces while supporting structured payment processing and transaction updates.
The product principle focused on clarity, speed, and confidence. Merchants needed quick access to wallet balances, payment records, and transaction status, while internal teams required operational visibility. Clear financial information and focused workflows helped users understand payment activity without unnecessary interface complexity.
Challenges
Merchant Payment Wallet supported merchants and internal teams with different responsibilities and access requirements. Merchants needed simple payment and wallet controls, while operational users required broader tools for account review, transaction monitoring, settlements, and exception handling.
Payment platforms generate varied information across merchant accounts, wallet balances, payment references, transaction statuses, fees, settlements, and customer payment records. The system required structured data handling to maintain consistency across financial workflows and present accurate information through different interfaces.
Payment activity can increase substantially during busy commercial periods, creating higher demands on transaction processing and data access. The platform required efficient APIs, caching, scalable backend services, and reliable infrastructure to support responsive payment operations as transaction volume increased.
Project Milestones We Achieved
| Milestone | Tasks | Timeline | Responsible |
|---|---|---|---|
| Discovery and Planning | Mapped merchant journeys, wallet requirements, payment workflows, settlement processes, operational roles, integrations, and technical architecture. | Month 1 | Product and Engineering Team |
| UI/UX Design | Designed merchant wallet, payment, transaction, settlement, account, notification, and administrative interfaces with clear financial information. | Month 2 | UI UX Design Team |
| Core Development | Built authentication, merchant profiles, wallet services, payment processing, transaction records, settlements, APIs, and administration foundations. | Month 3 to 4 | Application Development Team |
| Integrations and Testing | Connected payment interfaces, validated wallet and transaction workflows, tested APIs, reviewed financial data handling, and performed performance testing. | Month 5 | Integration and QA Team |
| Launch and Optimization | Prepared production infrastructure, completed final validation, monitored payment activity, resolved issues, and refined merchant wallet workflows. | Month 5.5 | Engineering and Delivery Team |
Project Features
Merchant Payment Wallet combines merchant accounts, digital wallets, payment processing, transaction tracking, settlements, and operational controls in one structured financial platform.
Merchant Signup and Profile
Merchants can create accounts, manage business information, and maintain profile details required across payment and wallet workflows.
Digital Wallet
Merchants can view wallet balances, review available funds, and manage wallet activity through a focused financial interface.
Payment Acceptance
The platform supports merchant payment flows with transaction references, payment status information, and structured processing workflows.
Transaction Tracking
Merchants can review payment records, transaction status, amounts, references, and activity history through organised transaction views.
Settlement Management
Settlement workflows provide visibility into processed payments, settlement records, amounts, and relevant financial activity for merchants.
Operations Dashboard
Internal teams gain central visibility into merchants, wallets, payments, transactions, settlements, and operational exceptions through administrative controls.
Results
Merchant Payment Wallet launched as a connected eWallet solution covering merchant accounts, digital wallets, payment acceptance, transaction tracking, settlements, notifications, and administration. The delivered product brought key merchant payment activities into one structured financial platform.
Centralised operational tools gave internal teams clearer visibility into merchant accounts, wallet activity, payments, transactions, and settlement records. This created more consistent processes for monitoring financial activity and handling routine operational requirements.
Merchants gained a clearer journey across payment acceptance, wallet balances, transaction review, and settlement information. Focused screens and accessible financial records helped merchants understand payment activity and manage everyday wallet operations more efficiently.
The platform established a foundation for continued eWallet development. Its architecture can support additional payment methods, merchant capabilities, settlement options, financial reporting, transaction controls, and related services as Merchant Payment Wallet expands.
Development Process
Explore
- Merchant Journey Mapping
- Payment Research
- Requirement Analysis
- Wallet Wireframes
- UI UX Design
- Flow Validation
Implement
- Mobile Development
- Backend Development
- API Development
- Payment Gateways
- Settlement Services
- Notification Services
Execute
- Transaction Testing
- Load Testing
- Security Review
- Production Setup
- Payment Monitoring
- Workflow Optimization
Typography & colors
Plus Jakarta Sans
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Primary
#DC2626
Secondary
#F87171
Tertiary Color
#FEE2E2
Icons Color
#64748B
Text Color
#0F172A
Background Color
#FFFFFF
App Visuals
MerchPay
Accept payments faster
Sales
Today's take
Settlement
Next payout
Live
Payment #MW441
Checkout · 2 min ago
View detailsAlerts
Merchant updates
Almost there
Create account
Tech Stack
Kotlin supported the Android merchant application with a native mobile experience. Laravel powered backend services for merchant accounts, wallets, payments, transactions, and settlements. MySQL handled structured financial records, while RabbitMQ supported reliable asynchronous processing for payment related events. Microsoft Azure provided cloud infrastructure, application hosting, monitoring, and deployment services.
- Kotlin
- Laravel
- MySQL
- RabbitMQ
- Microsoft Azure
Build A Reliable Merchant Payment Wallet
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