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Case study Fintech & payments Web, iOS & Android

Credit Card Bill Payments & Card Comparison Platform for a Fintech Startup

Pay bills, recharge and compare credit cards from one app

A consumer fintech platform for paying bills and recharges from a credit card, moving wallet money to cards, banks and UPI, and comparing credit cards with calculators and eligibility tools, delivered as a website, an admin panel and a React Native app.

  • Laravel
  • MySQL
  • Redis
  • AWS
  • Razorpay
  • PayU
  • JWT
  • React Native

The challenge

The startup wanted people to pay everyday bills with their credit card and earn rewards, without a clunky checkout. It also wanted to grow beyond payments into a trusted place to compare credit cards, which meant fast, SEO-friendly content pages next to secure money flows.

What we built

We built a Laravel platform with JWT-secured APIs for the mobile app: bill fetch and payment, mobile recharge, wallet top-ups via UPI, transfers from the wallet to cards, bank accounts and UPI IDs, KYC and reward coupons. Payments run through Razorpay and PayU with webview checkout flows. On the web we added credit card listing, side-by-side comparison, bank pages, a rewards calculator, an eligibility checker and a card-match quiz, plus a blog for search traffic.

Key features

What the product does.

  • Bill fetch and payment, mobile recharge and postpaid bills
  • Wallet top-up via UPI with payment verification
  • Transfers from wallet to credit card, bank account or UPI ID
  • KYC, saved fund accounts and transaction history
  • Reward coupons, refer-and-earn and streak rewards
  • Credit card listing, comparison and bank pages
  • Rewards calculator, eligibility checker and card-match quiz
  • React Native app for Android and iOS

Under the hood

Architecture and engineering highlights.

  • 1 JWT-authenticated REST API shared by the app and web flows
  • 2 Payment gateway webviews with server-side verification callbacks
  • 3 Redis caching and AWS services for storage and messaging
  • 4 SEO-first public pages (cards, banks, comparisons, tools, blog)

Product screens

A look at the main workflows.

Illustrations of the main screens. Client data and branding are left out.

  • Pay a bill

    Fetch a bill, choose a card and pay in a few taps.

  • Compare cards

    Side-by-side card comparison with fees, rewards and eligibility.

  • Transactions

    Wallet, transfer and payment history in one list.

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