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Alternative Electronic Payment SaaS Solution

A superior alternative to traditional credit and debit card payments

Case study hero image

the project


Payment processing provider


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Company Size:

50+ Employees




.NET 7






AWS SecretsManager



Fast Reports



Kendo UI

Bootstrap 5


The platform aims to minimize reliance on expensive credit card transactions, allowing businesses of all types to provide customers with more tailored rewards and discounts.

Trusted by central banking institutions, the platform provides efficient methods for transferring funds, resulting in fewer failed transactions, less fraud, and fewer forced returns compared to traditional card payments.

Quotation marks Quotation marks

We are delighted to have been entrusted with yet another project from our long-standing customer. This innovative fintech platform aims to serve as a one-stop shop for direct bank-to-bank funds and simplify C2B, B2C, or B2B debit and credit card transfers. We are proud to contribute to its growth.

Delivery manager photo

Tetiana Lesiv

Delivery Manager at Leobit



The customer is a US-based fintech corporation offering full-cycle enterprise management automation platforms and revenue management SaaS solutions. With over three decades on the market, the company has been dedicated to helping businesses reduce costs and enhance cash flow through innovative technology solutions.


The client had a large SaaS platform that handled credit card and ACH tokenization and transaction processing. However, they needed to update this process to meet modern standards and requirements (e.g., implement Network Tokenization and 3D Secure protocol). The challenge was segregating payment-related services into a standalone white-label application, which our client planned to offer its customers for an extra fee.


We have a history of successful collaboration with the project's main stakeholder on several other projects. Impressed by Leobit’s work ethic, expertise in .NET development, and vast experience engineering complex solutions for the fintech industry, in particular, he entrusted our team with developing the company’s new sophisticated fintech solution.

Solution architecture

in detail

Our customer opted for a lean approach and decided to bring the project to life incrementally. So, we started the development with an MVP version that offers basic functionality. With each subsequent release, the customer plans to add more features and enhance the platform.

We implemented a fast and secure credit card processing flow. It involves retrieving information about a specific merchant or transaction, generating a network token for it (an encrypted channel for fund transfer), and then forwarding it to a payment processor at the parent financial company, which further processes the payment.

The client wanted to streamline the development by using UI libraries. They provided a style guide (high-level mockups) to ensure the final UI design adheres to the company’s style and format. We utilized Kendo UI for Angular and Bootstrap 5 libraries, which allowed us to accelerate the development process significantly.

We implemented three levels of account verification, eliminating the need for customers to log into their bank accounts to pass verification. This meets NACHA requirements for web transaction verification and ensures a seamless user experience.

Leobit experts implemented various data protection practices to safeguard data stored and in transit. To secure our Web API, we employed HTTPS and API whitelisting. For file transfers, we opted to adopt the SFTP protocol. Our full-stack experts securely hashed passwords and encrypted and stored payment data using hardware security modules. This data is strictly used within the system; for external transmission, we rely on tokens, ensuring secure communication.


Restful API Development

Leobit experts developed a web API to manage transactions, tokenization, and reporting. This API facilitates the internal tokenization of payment information and subsequent management. It also enables network tokenization and the ability to use the 3D Secure protocol for transactions. Additionally, the API allows for the creation and management of separate organizations for clients, providing access to client information and settings management within the organization. It also supports transaction splitting to reduce processing costs and returns.


Big batch upload and retrieval

We adopted the Secure File Transfer Protocol (SFTP) network protocol to let SaaS platform clients securely access, transfer, and manage sensitive files containing transaction information. Our service monitors the appearance of new files and processes them according to each client's settings. To achieve this, we implemented several background tasks to handle file processing, generate network tokens, and manage the 3D Secure flow.

This capability allows clients to seamlessly upload batches containing thousands of transactions and receive verifications, notices of changes, and returns in a flat-file format.



The MVP version also includes an easy-to-access portal to check on the transactions. It allows users to view all reports and grant permissions to different roles. The portal consists of transaction reporting and reconciliation, a live journal for making last-minute transaction changes, and support for convenience fees. The application also offers the ability to generate various transaction reports that company clients can utilize.

The Journey
Behind Client's Success

4 Full-stack developers
1 Business Analytic
1 QA Engineer
1 PM
Phase 1
Phase 2
Phase 3
Phase 4
Portal Development
ACH - External clients
Building API to integrate with current billing system
Direct API call according to Payliance specs
Portal ACH Reporting

Technology Solutions

  • Implemented Network Tokenization and 3D Secure protocol to evaluate transaction risk levels and decrease fees during payment processing

  • Used load-balancing to create redundancy and spread risk by sending transactions to multiple banks

  • Employed HTTPS, API whitelisting, SFTP protocol, encryption, and tokenization to secure data storing and transferring


  • Reduced processing costs for financial transactions

  • A portal with a customizable interface and various configuration options that our customer can use to expand their client base

  • Potential new revenue streams