Payment gateway for a BNPL platform

Our client, a UAE fintech company, provides a payment platform for installment payments.

The client initially used two payment gateways offering their services in several regions. But to enter a new market, where the existing payment systems could not function, the integration with a new payment provider was needed. Since the client’s team lacked sufficient resources for the back-end implementation of a new flow, they turned to EffectiveSoft for payment gateway development and post-launch support.

To help our client extend the geographic market area, we came up with the idea
to integrate a Hyperpay payment gateway into the platform using the CopyandPay flow. However, due to incompatibility of the client’s payment workflows with those used by Hyperpay, we chose an alternative path.

We integrated the Hyperpay payment gateway using the Server-to-Server solution that allows processing transactions without the Hyperpay’s widgets. In this case, requests are sent to the specific payment channel based on the user’s card BIN code.

With Server-to-Server, transactions are safe and secure due to the following security measures we implemented:

• card data tokenization when sending a response from the Hyperpay server;
• card authentication by using standalone 3D secure 2.0.