Secure and Scalable Credit Card Management Platform for Embedded Financial Services

The client faces the need to support over one million credit card accounts within a secure, compliant environment. Existing systems must facilitate seamless transaction management, integration with mobile and web applications, and uphold high security standards—including GDPR compliance—while supporting future growth and evolving regulatory requirements.

A large financial technology firm offering embedded banking and payment solutions with full banking license and compliance credentials, serving a broad user base across Europe.

• Implement a robust backend infrastructure enabling seamless credit card registration, transaction processing, and verification.
• Ensure the platform adheres to strict security standards, including data masking and two-factor authentication (2FA).
• Integrate secure APIs connecting the client’s app with external financial services, supporting 3DS and SMS verification.
• Design the system for high scalability to support increasing user volumes and transaction loads.
• Achieve full GDPR compliance to protect customer data and meet European data protection laws.
• Develop a flexible infrastructure owned by the client, allowing full control over IP and codebase, facilitating future expansion.

• API layer for secure connection between mobile/web applications and external banking/fintech services
• Support for secure credit card registration, transaction processing, and account verification workflows
• Implementation of 3DS and SMS-based transaction verification methods
• Data masking and encryption for sensitive data protection
• Two-factor authentication (2FA) for user and transaction security
• Design for scalability to accommodate future increases in users and transaction volume
• Full GDPR compliance ensuring legal data handling and privacy standards
• Backend system ownership and control for ongoing maintenance and expansion

• Payment gateway APIs for transaction processing and verification
• Authentication services supporting 3DS and SMS verification
• Regulatory compliance modules for GDPR adherence
• Existing banking or financial API connectors

• Scalability to handle over 1 million credit card accounts and increasing transaction volume
• High security standards including data masking, encryption, and 2FA
• GDPR compliance across all data handling processes
• System reliability with high availability and resilience
• Performance metrics supporting smooth user experience during peak loads

The new platform is expected to enable management of over 1 million credit cards, ensuring secure and seamless financial services across mobile and web applications. It will support future growth with scalable infrastructure, reinforce security protocols like 2FA, and ensure GDPR compliance, ultimately enhancing user trust, operational efficiency, and regulatory adherence.