VISA Payment Card Issuing

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.

Project Goal

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

We offer an end-to-end card system implementation process – from initial analysis to long-term support.

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

Security Layer

NGINX

CI/CD pipeline

Github, Maven, Docker registry

Monitoring and Analysis

Elastic, Kibana, Grafana, Prometheus, Zabbix, BetterStack

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

★★★★★