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Modernization and Enhancement of MerchantPay Payment Platform for Scalability and Omnichannel Capabilities
  1. case
  2. Modernization and Enhancement of MerchantPay Payment Platform for Scalability and Omnichannel Capabilities

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Modernization and Enhancement of MerchantPay Payment Platform for Scalability and Omnichannel Capabilities

artkai.io
Financial services
Retail
Food & Beverage
Business services

Legacy System Limitations and Market Competitiveness Challenges

SwiftMerchant's existing payment platform faced critical challenges including outdated monolithic architecture causing performance bottlenecks, poor user experience due to legacy frontend frameworks, inefficient POS systems with no real-time inventory sync, limited omnichannel payment options, basic loyalty programs, manual fraud detection processes, and security compliance risks. These issues hindered scalability, operational efficiency, and market competitiveness.

About the Client

A US-based fintech company providing merchant payment solutions for small and mid-sized businesses, offering POS systems, online payment processing, loyalty programs, and NFC/QR-based transactions.

Digital Transformation Goals

  • Migrate legacy monolithic architecture to cloud-native microservices on AWS/Google Cloud
  • Implement real-time POS and inventory management for multi-location merchants
  • Enable seamless omnichannel payment experiences (NFC, QR, Apple Pay, Google Pay)
  • Enhance loyalty programs with dynamic customer segmentation and rewards
  • Implement AI-driven fraud detection and automated PCI DSS compliance

Core System Capabilities

  • Cloud-based POS with real-time inventory tracking across locations
  • Payment links and digital invoicing with multi-channel delivery
  • Virtual terminal for secure remote transactions
  • Contactless payment integration (NFC, QR, Apple Pay, Google Pay)
  • Advanced loyalty program management with dynamic discounts
  • Centralized dashboard with real-time financial analytics

Modern Technology Stack

React.js with TypeScript for frontend
.NET Core for backend microservices
AWS Aurora and S3 for cloud infrastructure
React Native for mobile applications
Node.js with TeamCity for CI/CD

Third-Party System Integrations

  • Payment gateways (Stripe, PayPal, Apple Pay, Google Pay)
  • Business accounting tools (QuickBooks, Xero)
  • Fraud detection APIs
  • Multi-factor authentication services
  • PCI DSS compliance automation tools

Scalability and Security Requirements

  • High availability with 99.9% uptime SLA
  • Horizontal scalability for transaction volume spikes
  • Sub-200ms API response times for critical operations
  • Role-based access control (RBAC) with OAuth2
  • Automated PCI DSS compliance monitoring
  • Real-time fraud detection with machine learning

Business Transformation Outcomes

The modernized MerchantPay platform will deliver 300% faster transaction processing, 50% reduction in operational costs through cloud migration, and 40% increase in merchant retention through enhanced features. Real-time analytics and automated reconciliation will improve financial management efficiency by 60%, while omnichannel payment support is projected to increase transaction volume by 200% within the first year.

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