Case Study
Merchant Payments
A connected payment platform that helps merchants accept digital payments and manage transaction activity from one place.
- 7 MonthsDelivery Timeline
- 13 MembersProject Team
- 3 PlatformsConnected Interfaces
Project Overview
Merchant Payment Solution is a UAE financial technology platform designed to help businesses accept digital payments and manage transaction activity through one connected system. Merchants can create business profiles, configure payment options, review transactions and monitor settlement information from their accounts. Customers can complete supported payments through a straightforward checkout experience, while finance and operations teams manage merchants, transactions, refunds and settlement activity through a central dashboard. Techanic Infotech designed the platform around the practical needs of UAE businesses handling frequent digital transactions, where payment status, settlement visibility and accurate financial records need to remain accessible across merchant and administrative workflows.
Project Idea
The business idea was to create a digital payment platform that gives merchants a simpler way to accept payments and monitor financial activity. The operator needed one system connecting merchant accounts, payment transactions, refunds and settlements while keeping customer checkout straightforward.
Merchant payment operations can become difficult when transaction data, settlement records and payment methods are managed through separate systems. Businesses may know that a payment was made but still need another tool to confirm settlement status or investigate a failed transaction. Finance teams also need clear records when refunds or adjustments occur.
Techanic Infotech connected merchant profiles, payment requests, transaction records and settlement workflows within one platform. Merchants could review payment activity from their accounts, while administrators could monitor transactions, manage merchant access and investigate exceptions from a central workspace. This created a shared operational view without exposing internal financial controls to customers.
The product principle focused on speed, clarity and control. Customers needed a straightforward payment experience, merchants needed immediate visibility into transaction status and finance teams needed dependable records for reconciliation. The interface was structured around clear amounts, payment states and account actions so users could understand each financial step before moving forward.
Challenges
The platform needed to support merchants with different transaction volumes and operating models. A small business might process a limited number of daily payments, while a larger merchant could handle transactions throughout the day across several sales channels. Merchant onboarding therefore needed to remain simple while account controls and reporting provided enough depth for businesses with more complex payment activity.
Payment information also varies across transaction types. A successful payment, failed attempt, refund and settlement each require different status information and operational actions. Techanic Infotech structured transaction records so merchants and administrators could distinguish these states clearly. This reduced ambiguity when reviewing payment history, checking outstanding amounts or investigating transactions that required attention.
Payment activity can increase sharply during business hours, promotional periods and seasonal sales. Several merchants may also be processing transactions simultaneously while finance teams review settlements and refunds. The platform needed responsive transaction search, payment status updates and merchant dashboards so users could continue managing financial activity without delays during periods of higher transaction volume.
Project Milestones We Achieved
| Milestone | Tasks | Timeline | Responsible |
|---|---|---|---|
| Project Discovery and Planning | Mapped merchant workflows, defined account roles, documented payment states, reviewed settlement needs and prioritised core transaction requirements | Month 1 | Business Analyst and Project Manager |
| UI UX Design | Designed merchant profiles, payment flows, transaction views, settlement screens and administration dashboard interactions | Month 2 | UI UX Designer and Product Designer |
| Core Development | Built mobile applications, backend services, merchant accounts, payment workflows, transaction records and settlement management | Month 3 to 5 | Flutter Developer and Backend Developer |
| Integrations and Testing | Connected payment services, notifications and cloud infrastructure, then tested transaction states, refunds and merchant access workflows | Month 6 | QA Engineer and DevOps Engineer |
| Launch and Optimization | Prepared production release, supported merchant onboarding, reviewed transaction behaviour and refined payment and settlement workflows | Month 7 | Project Manager and DevOps Engineer |
Project Features
The platform was structured around the complete merchant payment journey, from account setup and customer payment through transaction review and settlement. Merchants, customers and finance teams receive focused interfaces while shared payment records keep financial activity aligned.
Merchant Signup and Profile
Merchants can create business accounts, manage company information, configure supported payment settings and maintain authorised account details from one profile.
Digital Payment Processing
Customers can complete supported digital payments through a focused checkout flow while merchants receive transaction confirmation linked to the relevant payment activity.
Transaction Status Tracking
Merchants can review payment status, transaction details and financial activity, making it easier to identify completed, pending or unsuccessful payments.
Merchant Account Assignment
Administrators can assign merchant accounts to authorised teams based on business structure, service responsibilities and internal operational requirements.
Payment Management Dashboard
Finance and operations teams can manage merchants, transactions, refunds, settlements and account activity through one central payment dashboard.
Transaction History and Repeat Payments
Merchants can review previous transactions and payment records, helping finance teams investigate activity and manage recurring reconciliation tasks more efficiently.
Results
Techanic Infotech delivered a connected merchant payment platform across Android, iOS and Web, bringing merchant accounts, digital payments, transaction records, refunds and settlement activity into one system. The launch gave the UAE operator a structured foundation for managing business payment operations.
Merchant teams gained a central view of transaction activity and payment status. Finance and operations users could review settlements, refunds and account activity from one dashboard, reducing dependence on disconnected records when investigating payment exceptions or preparing routine financial reviews.
Customers received a focused payment experience with clear transaction confirmation and status information. Merchants gained better visibility into the financial activity generated through their accounts, helping them understand completed payments and identify transactions that required further attention.
The platform provides a foundation for expanding merchant payment services across the UAE. Additional payment methods, merchant categories, account roles and settlement workflows can be introduced within the existing architecture, allowing the operator to support more businesses without rebuilding the core payment experience.
Development Process
Explore
- UAE payment behaviour
- Merchant transaction needs
- Finance workflow analysis
- Merchant journey mapping
- Payment flow planning
- Settlement process structure
Implement
- Clear payment actions
- Simple transaction views
- Visible payment status
- Payment backend services
- Mobile application builds
- Finance dashboard
Execute
- Transaction scenario testing
- Refund validation
- Access control checks
- Production readiness checks
- Merchant onboarding support
- Payment activity monitoring
Typography & colors
Plus Jakarta Sans
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Primary
#059669
Secondary
#34D399
Tertiary Color
#D1FAE5
Icons Color
#064E3B
Text Color
#ffffff
Background Color
#ffffff
App Visuals
Sale #4412
Oasis Cafe · CardSettlement
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Tech Stack
The technology stack was selected to support high traffic payment search, fast transaction processing, settlement workflows and a consistent mobile and web experience. Flutter powered the mobile applications, NestJS handled backend services, MongoDB supported merchant and transaction data, Redis helped with frequently accessed payment information, and AWS provided the cloud infrastructure for deployment and scaling.
- Flutter
- NestJS
- MongoDB
- Redis
- AWS
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