VISA Payment Card Issuing
DOBITO provided support to FlexiFin in the implementation of Visa payment cards – from selecting a card processor and setting up BIN sponsorship to customizing LightCMS and integrating internal systems.
Project Flexifin


Client
FlexiFin is a consumer finance provider offering a wide range of financial services, including revolving credit and cash loans. The company specializes in solutions tailored to the individual needs of customers in the consumer finance sector.
One of its key products is MTP – Minimum To Pay, which allows clients to flexibly set their repayment amount and due date within the month. This product is especially popular due to its repeat withdrawal option, and FlexiFin is now looking to expand it with payment and withdrawal functionality via payment cards.


Professional preparation of the tender process:
We will prepare complete documentation for the official tender for a card processor or technology supplier, including:
☑️ Detailed specification of requirements and technical parameters
☑️ Qualification criteria for suppliers
☑️ Evaluation metrics for fair assessment of offers
☑️ Implementation schedule and milestones
1.
2.
Expert selection of the card processor:
We will help you choose the optimal card processor based on your specific needs:
☑️ Analysis of card processor offers, including Enfuce
☑️ Comparison of commercial and technical terms
☑️ Evaluation of efficiency, security, and scalability
☑️ Verification of references and experience with integration
3.
Cost calculation and business case
We will execute the project and ensure seamless integration with your existing systems.
☑️ Complete business case for the implementation project
☑️ Investment and return on investment calculations
☑️ Analysis of monthly operational costs
☑️ Cost development prediction under different scenarios
4.
Implementation of a high-performance authorization system
We will deliver a reliable and scalable authorization host:
☑️ High-performance authorization system with minimal response times
☑️ Secure ecosystem for issuing payment cards
☑️ Scalable solution tailored for growth
☑️ Compliance with security and regulatory requirements
Integration with the Enfuce card processor
We will prepare complete documentation for the official tender for a card processor or technology supplier, including:
☑️ Compatibility with Enfuce processor API
☑️ Secure data transmission and processing
☑️ Testing and certification of integration
☑️ Preparation of the production environment
5.
6.
Design of a highly available infrastructure
We will help you design and build the infrastructure for the card system:
☑️ Design of available and redundant infrastructure
☑️ Consulting during construction and configuration
☑️ Performance and availability optimization
☑️ Protection against outages and attacks
7.
Long-term support for the card solution
We provide comprehensive support after implementation:
☑️ 24/7 monitoring and support for key systems
☑️ Regular updates and security patches
☑️ Incident resolution and operational issues
☑️ Consulting for functionality expansion
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
Key Aspects of the Infrastructure:
Independent Data Centers
3 data centers in a private cloud (2x ČMIS, 1x AWS Frankfurt)
High Availability
Core Engine with replication between instances in ONLINE mode
Network Connectivity
Load-balanced connection at the telco level
Performance
250 TPS (transactions per second) per instance
Decision Speed
Average authorization time: 6.33 ms
The DOBITO team was an integral part of the entire project from the very beginning. Together with us, they prepared both the tender specifications for the card processor selection and participated in its evaluation. The actual implementation of the entire 'card world', including integration with our systems, took place within just 4 months. Thorough performance and load testing of the delivered solution, including disaster recovery scenarios, gave us complete confidence when entering the card business.
Roman Bulguris
CEO, FlexiFin


★★★★★