Overview
Our client commissioned DynamoLogic Solutions to develop Lightning Pay, a secure and efficient merchant payment system similar to Help2Pay, enabling end-users to make payments and merchants to process transactions effortlessly.
They required a scalable solution with the following capabilities:
- Intuitive Payment Processing where end customers can pay via Lightning Pay’s payment portal with real-time validation.
- Multi-Bank & Multi-Currency Support integrating various local banks and multiple currencies, including MYR, THB, VND, IDR, PHP, and INR.
- Merchant Profit Extraction to deduct a percentage fee from transactions automatically.
- Secure Authentication & Fraud Prevention where implementation of OTP verification, CAPTCHA, and automated error handling ensures transaction integrity.
- Automated Settlements & Payouts to allow merchants to transfer funds to their personal accounts while maintaining full compliance with financial regulations.
- Real-time Status Updates & Notifications for all transactions, settlements, and payouts with automated status tracking and alert mechanisms.
These requirements required a robust, high-performance fintech solution capable of handling complex payment flows while ensuring security and scalability.
Services
- Business Need Analysis
- Design & User Experience (UI/UX)
- Frontend and Backend Development
- Maintenance & Support
- Quality Assurance and Testing
VISIT
WEBSITE
Technologies
CSS
HTML
JavaScript
JQuery
Laravel
MySQL
PHP
Python
Project Goals & Achievements
Bank Integrations With Automated Verifications Checks and Error Handling
Since deposits formed the foundation of the payment ecosystem, the challenge was to implement a multi-layered deposit framework to ensure reliability and fraud prevention.
Our Solution:
- LP Payment Services enabled customers to select “Pay with Lightning Pay” at checkout with instant redirection.
- Bank integrations with various local banks, including Military Bank, Vietcombank, and Kasikorn Bank. Here, automated verification checks included:
Bank credential validation (username/password authentication)CAPTCHA verification (preventing bot-based fraud)OTP processing (ensuring transaction security)
- Dynamic fee management was configured per currency with automated error handling for:
Invalid credentialsIncorrect OTP entriesInsufficient funds & deposit limits
- Automated deposit status updates where all transactions were dynamically categorized as Created, Success, Cancelled, Pending, or Failed, ensuring real-time monitoring.
Merchant Portal & Payment Link Integration Via iFrame
Merchant onboarding and payment processing was challenging. We designed a dedicated Merchant Portal with auto-generated payment links.
Our Solution:
- iFrame Payment Link allows merchants to receive a unique embeddable LP payment link upon account creation, allowing intuitive website integration.
- Deposit tracking system with a comprehensive deposit listing page displaying:
Unique deposit IDsCustomer details (ID, reference, date/time, bank, currency, amount, fee)Search & export capabilities for quick transaction monitoring
- Admin panel & notifications where Super Admin’s oversight ensures:
View-only access to deposits (preventing unauthorized alterations)Automated merchant & admin notifications for deposit success or failure
Robust Automated Settlements & Withdrawals for Lightning Pay-to-Merchant Transactions
Merchants needed a streamlined settlement process to transfer funds from LP to their bank accounts securely.
Our Solution:
- Added single settlement requests where merchants submit withdrawal requests, including:
Transaction date, currency, bank selection, and amountOTP authentication for securityApproval flow: Merchant Admin → Super Admin Processing
- Designed batch settlement requests allowing merchants to upload an Excel file with multiple transactions, processed in bulk after OTP validation.
- Included dynamic settlement fees & limits, configurable by Super Admin per currency with min/max withdrawal thresholds to prevent fraud.
- Status & error handling where settlements move through:
Created → Processing → Done (Success) → Failed → Rejected → Cancelled, with checks for Invalid credentials, Insufficient funds, and exceeding transaction limits
- Admins can update settlement statuses, upload receipt proof for transactions, and trigger automated merchant/admin notifications at key processing stages.
Payout Processing With Secure Approval Workflows for Merchant-to-Customer Transactions
Payouts allow merchants to transfer funds directly to customer bank accounts with full validation and compliance workflows.
Our Solution:
- Supports individual and bulk payments via Excel file uploads.
- Payout validation & consistency checks to ensure:
1. Currency consistency across transactions2. Sufficient merchant balance before payout approval
- Payouts follow an approval hierarchy:
Merchant Admin → LP Super Admin (Final Processing & Status Update)Successful payouts deduct amounts from merchant accounts automatically
- Payouts progress through Pending, Approved, Processing, Success, Failed, and Rejected states, with alerts for any errors.
Top-Up Requests & Merchant Wallet Funding
To ensure merchants always have sufficient funds for transactions, we developed a Top-Up Request Module for account recharges.
Our Solution:
- Request Initiation – Merchants submit a request specifying:
1. Currency & Amount2. Payment proof (JPEG/PNG receipt)
- Fee configuration & status tracking to help super Admin set fee rates (%) per currency and manage statuses.
- Automated merchant wallet credit where, upon approval, the merchant’s dashboard is credited with the top-up amount (minus fee).
- Merchants receive alerts for request approval, rejection, or failure due to incorrect details or insufficient external transfers.
Results & Key Impacts
By implementing a high-performance, secure, and scalable payment solution, LP Merchant now provides:
- Highly convenient multi-bank & multi-currency integration for regional payment support.
- Automated workflows reducing manual intervention in deposits, settlements, and payouts.
- Fraud prevention mechanisms (OTP, CAPTCHA, credential verification) improving transaction security.
- Instant merchant onboarding with auto-generated payment links & admin tools.
- Faster issue resolution due to automated status updates and error handling.
Why Our Approach Works for Payment Systems
- Our modular architecture grows with increasing transaction volumes.
- Our robust authentication & validation mechanisms ensure fraud-free processing.
- Reduced manual work, real-time updates, and streamlined approvals enhance user experience.
- Finally, our solutions offer enterprise-grade reliability for fintech applications requiring compliance, accuracy, and stability.
We specialize in building scalable Fintech solutions that guarantee success!
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17+ Years
Industry Experience
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517+
Happy Clients
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90+
Team Strength
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1+ Million
Work Hours
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