Development of a Fully Automated Dual-Card Payroll and Remittance Platform for Improved Payment Accessibility

The client faces difficulties with manual, time-consuming processes for salary distribution, especially in regions where cash payments are prevalent. Employers incur high cash handling costs, and migrant workers often rely on costly remittance channels to send money to their families. Existing solutions lack automation and seamless integration, limiting scalability and user convenience.

A mid-sized international payment solutions provider specializing in branded prepaid card programs for payroll, remittance, and loyalty services, seeking to enhance cashless payment options for migrant workers and their employers.

• Create a fully automated, cashless payment platform to streamline salary distribution for migrant workers and local employees.
• Enable employees to receive salaries instantly via prepaid debit cards, with options for supplementary cards for family members to facilitate remittance.
• Develop online portals and mobile applications for users to manage accounts, transfer funds, and view transaction histories in real time.
• Implement a comprehensive CRM system for internal administration, customer support, and regulatory compliance management.
• Ensure secure handling of financial transactions aligned with PCI DSS standards using reliable cloud infrastructure.
• Support scalable growth, allowing onboarding of new clients and integration with additional financial service providers.

• Online portal and mobile app for individual cardholders to view balances, transactions, and transfer funds between primary and supplementary cards.
• Automatic salary loading into prepaid cards at each pay period for instant access.
• Dual-card issuance system enabling workers to transfer funds directly to family members' cards without using third-party remittance providers.
• Corporate portal enabling HR and finance teams to manage employee accounts, automate payroll processes, and monitor transaction histories.
• CRM integration for user registration, document verification, transaction authorization, and customer support workflows.
• Secure, cloud-based architecture ensuring compliance with industry standards and enabling scalable growth.

• Payment processing services compliant with PCI DSS for secure financial transactions
• Third-party API for fund transfers and cash flow management
• CRM system for user management, document verification, and customer support operations
• Mobile operating systems (iOS, Android) for application deployment

• System must support at least 10,000 concurrent users with minimal latency
• Ensure 99.9% system uptime with disaster recovery protocols in place
• Compliance with PCI DSS and local financial regulations
• Real-time transaction processing and reporting capabilities
• Secure user authentication and authorization mechanisms

The implementation of this automated, integrated dual-card payroll and remittance platform is expected to significantly reduce manual processing time, cut down cash handling costs, and enhance user satisfaction through instant, cashless payments. It will enable the client to scale operations rapidly, facilitate cross-border remittance with lower costs, and expand into new markets with higher compliance and security standards, ultimately increasing transaction throughput and customer retention.