Dual-Card Payment Solution

Payroll and payment dual-card solution comprising online portal with mobile application for individuals, online company portal and CRM system.

Problem

Customer

Prego International Ltd is a global payment solution provider. The company delivers customized branded, co-branded, and white label prepaid card programs for payroll, remittance, travel debit cards, loyalty and membership card programs.

Objective

The Customer identified a need for a salary/remittance solution for migrant workers and their employers in South East Asia where cash salaries and money remittance is an issue. While migrant workers typically remit the majority of their money back to their families touched on high remittance cost, their employers incur cash handling expenses for salary payments. Keeping this need in mind, Prego International decided to create a dual-card payroll solution to make it easier to handle salary and commission payments.

Initially, the Customer used manual user registration for card program that was time-consuming and wasn’t oriented to client growth. Thus, to develop a fully-automated cashless solution from scratch, the Customer chose Itransition thanks to the all-in one software development expertise and solid domain background.

Solution

As the Customer didn’t have a clear vision of system configuration, our team started with an analysis phase. We proposed to create an integrated solution comprising online portal with mobile application for individuals, online company portal and CRM system – internal admin system for Prego employees.

Solution Scheme

Pay2go for Individuals

The payment card program is available for all individuals regardless of bank account existence. Each pay period the payment is automatically loaded to a card where an employee can access the sum instantly. Pay2Go cards work as standard issued debit or credit cards.

There are several options for cardholders of how they can use their cards:

  • As a payment card which is available for worldwide payments online, in-store or anywhere MasterCard is accepted.
  • Dual-card solution as a money transfer alternative. Each employee is issued with two prepaid cards – primary for an employee to get salary on, supplementary card – for their family members in a native country. A worker can simply transfer funds from primary to supplementary card without addressing to a money transfer company.

By means of an online portal and a mobile application, cardholders get the 24/7 access to their accounts, and can easily make payments, transfer money and manage their card settings, in particular check card balance and card transaction history.

User portal is integrated with the CRM: when the registration form is filled out, and required documents are uploaded, the information is automatically sent to the CRM database, and both a company and an applicant get an email confirmation.

Pay2go for Companies

A hassle-free web based portal allows companies for simple and secure payroll payments to local and foreign employees, as well as commission payments or bonuses to agents or resellers. With user-friendly dashboard each company can manage their payroll payment process: add, amend, delete employees’ accounts, lock/unlock cards and card accounts, view funds and track transaction history.

CRM System

CRM solution stores the information about all the end-user accounts and their cards, corporate accounts and linked end-user accounts.

Prego operational team uses the CRM part as an internal admin system for managing the registration process, processing card issue, reviewing and approving companies’ payrolls, etc. The CRM system is also used by the customer support team to help users resolve their questions. 

Testing Phase

To ensure solution fault-free operation, our software testing specialists verified solution functionality and checked use cases utilizing real payment cards for real financial transactions.

Process

Technology

The solution represents a multilayer .NET application with Web API as a core. Using Web API, client applications communicate with the server and 3rd party systems.

The frontend part was developed as a single page applications using AngularJS framework. The persistence layer is built on MS SQL Server.

For card issue and secure payment transactions the Pay2Go solution was integrated with aCashFlows service using CashFlows API.
As the payroll solution deals with financial transactions, our specialists configured the architecture using technology systems that were proved to be reliable and secure (e.g.Microsoft Azure). Moreover, integration with CashFlows ensured compliance with PCI DSS standards.

Results

After 2 years of fruitful cooperation the payroll and payment dual-card solution was developed and is being at the pilot phase at the moment with Level 2 support services delivered by Itransition.

The cooperation between Itransition and Prego International is going to continue resulting in enriching Pay2Go solution with new features, such as, for instance, e-wallet and integration with new providers of financial services.

To ensure solution fault-free operation, our software testing specialists verified solution functinality and checked use cases utilizing real payment cards for real financial transactions.