Payments & Commerce
Merchant QR payment-facilitator infrastructure
Context
A financial institution needed to offer merchants QR-based payment collection built on its country's national instant-payment rail, rather than a proprietary scheme merchants would need to be onboarded to separately.
Challenge
Merchants needed a way to generate and accept both static and dynamic QR codes for payment collection, with an integration path simple enough for third parties to build against, plus a portal their own staff and the institution's admins could operate.
Contribution
We built a QR payment system integrated with the country's national instant-payment rail, exposing RESTful APIs — built on Java and Spring Boot — for merchant integration, alongside a merchant and admin portal built in Angular for day-to-day operation.
Assurance
API access and merchant onboarding were scoped with payment-facilitator security practice in mind; no certification is claimed for the deployed system.
Outcome
The institution gained a QR payment collection system merchants could integrate against directly, with an admin portal giving its own team operational control instead of dependency on Warmbytes for day-to-day changes.