VISA PAYMENT CARDS ISSUING

MORE ABOUT OUR CLIENT

FlexiFin is a consumer finance provider offering a wide range of financial services, including revolving credit and cash loans. They specialize in solutions tailored to the individual needs of customers in the consumer finance sector.

The company’s key product is MTP, which allows clients to flexibly set the repayment amount and due date. This product is particularly popular for its option of repeated withdrawals, which is why FlexiFin focused on expanding it to enable payments and withdrawals via payment cards.

PROJECT TIMELINE

Professional Tender Preparation:

We prepared the complete documentation for the official tender process for selecting a card processor or technology provider, including

1.

2.

Professional Card Processor Selection:

We selected the optimal card processor based on the client’s specific needs, including:

3.

Cost Calculation & Business Case

We executed the project and ensured seamless integration with the client’s existing systems.

4.

Implementation of the Authorization System

We delivered a reliable and scalable authorization host to the client:

Integration with the Enfuce Card Processor

We prepared complete documentation for the official tender for a card processor or technology provider, including:

5.

6.

Design of a High-Availability Infrastructure

We helped the client design and build the infrastructure for the card system:

7.

Long-Term Support for the Card Solution

We continue to provide the client with comprehensive support even after the implementation of the solution:

• Detailed specification of requirements and technical parameters

• Qualification criteria for suppliers

• Evaluation metrics for fair bid assessment

• Implementation schedule and milestones

• Analysis of card processor offers, including Enfuce

• Comparison of commercial and technical terms

• Evaluation of efficiency, security, and scalability

• Verification of references and integration experience

• Complete business case of the implementation project

• Calculation of investments and return on investment

• Analysis of monthly operating costs

• Prediction of cost development in different scenarios

• High-performance system with minimal response times

• Secure ecosystem for issuing payment cards

• Scalable solution tailored for growth

• Compliance with security and regulatory requirements

• Design of a highly available and redundant infrastructure

• Consultations during construction and configuration

• Performance and availability optimization

• Protection against outages and attacks

• Compatibility with the API of the Enfuce processor

• Secure data transfer and processing

• Testing and certification of the integration

• Production environment preparation

• 24/7 monitoring and support for the key systems

• Routine updates and security patches

• Resolving incidents and operational problems

• Consulting the functionality expansions

TECHNOLOGIES USED

DEVELOPMENT PLATFORM

LightCMS, TranCore, Loyalty Engine – Java, Postgres

AUTHORIZATION CORE

@Core Engine, RDS – Java, Redis

FRAMEWORK

JAVA Framework – Spring

VIRTUALIZATION

Kubernetes

COMMUNICATION INTERFACE

Kafka, REST webservices

NETWORK INFRASTRUCTURE

HA PROXY for load balancing

SECURITY LAYER

NGINX

CI/CD PIPELINE

Github, Maven, Docker registry

MONITORING & ANALYSIS

Elastic, Kibana, Grafana, Prometheus, Zabbix, BetterStack

The DOBITO team was an integral part of the entire project from the very beginning. Together with us, they prepared both the specifications for the card processor tender and participated in its evaluation. The actual implementation of the entire ‘card world,’ including integration with our systems, was completed in just 4 months. Thorough performance and stress testing of the delivered solution, including disaster recovery scenarios, gave us complete confidence when entering the card business.

Roman Bulguris

CEO, FlexiFin

★★★★★