{"head":{"title":"Payments Software Development: Rails to Recon | OceanLab","description":"Payments software we build: reconciliation, chargebacks, merchant KYB, subscription billing, remittance and card platforms, with PCI DSS in mind.","canonical":"https://oceanlab.in/software/payments"},"slug":"payments","stats":{"builds":9,"countries":9,"systems":9},"featured":[{"meta":{"slug":"contrepoint","industry":"payments","projectType":"Reconciliation engine","country":"fr","tags":["fintech","enterprise"],"compliances":["EBICS and ISO 20022 (camt.053)","CFONB 120","SEPA SCT and SDD","Plan Comptable Général","FEC (LPF L47 A)","Code de commerce L123-22","GDPR","PCI DSS (out of scope)"],"cover":{"src":"/case-studies/contrepoint/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Contrepoint - Three-Way Reconciliation Engine for Orders, PSP Payouts and Bank Lines","description":"Designed and built a clickable reconciliation engine for a Lyon-based marketplace group paid through Adyen, Stripe, PayPal and SEPA: it matches orders to PSP transactions, payouts and bank statement lines, explains every suggestion, turns what is left into a worked exceptions queue and traces each match to the journal entries it posts.","category":"Payments / Reconciliation Engine","client":"Verdane Marché"}}},{"meta":{"slug":"gantry","industry":"payments","projectType":"Merchant onboarding & KYB","country":"ng","tags":["fintech","enterprise"],"compliances":["CBN PSSP licensing","MLPPA 2022","CBN AML/CFT/CPF Regulations","CBN tiered KYC","CAMA 2020","NDPA 2023","Visa and Mastercard scheme rules"],"cover":{"src":"/case-studies/gantry/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Gantry - Merchant Onboarding and KYB Platform with Four-Eyes Underwriting","description":"Designed and built a clickable merchant onboarding and KYB console for a CBN-licensed payment gateway in Lagos: an applications queue, a case review that checks CAC, BVN, NIN, liveness and the settlement account name in one place, an underwriting workbench with an explainable risk score, limits and rolling reserves, and four-eyes approvals bound to each approver's mandate.","category":"Payments / Merchant Onboarding & KYB","client":"Lagoon Crest Payments"}}},{"meta":{"slug":"hatid","industry":"payments","projectType":"Cross-border remittance app","country":"ph","tags":["fintech","enterprise"],"compliances":["BSP remittance rules","National Payment Systems Act (RA 11127)","AMLA (RA 9160)","FATF Recommendation 16","TFPSA (RA 10168)","Anti-Terrorism Act of 2020","Financial Consumer Protection Act (RA 11765)","Data Privacy Act of 2012"],"cover":{"src":"/case-studies/hatid/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Hatid - Remittance App and Ops Console for Sending Money Home to the Philippines","description":"Designed and built a clickable ops console for a Manila remittance company paying out PHP to the families of overseas Filipino workers: a live view of today's flows across 4 corridors, a transfers monitor with SLA timers, a full transfer record, compliance holds with a tipping-off check, and FX margins priced per corridor, payout method and amount band.","category":"Payments / Cross-Border Remittance","client":"Tanglaw Remit"}}},{"meta":{"slug":"kwitek","industry":"payments","projectType":"Invoicing & receivables","country":"pl","tags":["fintech","enterprise","tax"],"compliances":["KSeF (FA(3))","Split payment (MPP)","VAT white list","Late Payments Act 2013","Bad debt relief","JPK_V7","GDPR"],"cover":{"src":"/case-studies/kwitek/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Kwitek - KSeF Invoicing, Collections and Cash Matching Platform","description":"Designed and built a clickable invoicing and receivables platform for a Gdańsk wholesale distributor of heating and plumbing supplies: invoices issued through KSeF, a receivables dashboard with ageing, a collections worklist driven by a dunning cadence, and a matching workbench that pairs bank receipts, including split payments, with the invoices they pay.","category":"Payments / Invoicing & Receivables","client":"Bielawa Dystrybucja"}}},{"meta":{"slug":"parley","industry":"payments","projectType":"Chargeback manager","country":"us","tags":["fintech","enterprise"],"compliances":["PCI DSS","CCPA","Visa Claims Resolution","Visa CE3.0","Visa VAMP","Mastercard ECP"],"cover":{"src":"/case-studies/parley/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Parley - Chargeback Manager with One Dispute Desk Across Every PSP","description":"Designed and built a clickable chargeback manager for a US merchant group with four online brands on Stripe, Adyen and Braintree: one inbox for every dispute with deadline countdowns, evidence gathered per reason code, a fight or accept recommendation with its reasons, pre-dispute alerts and dispute ratios tracked against network thresholds.","category":"Payments / Chargeback Management","client":"Fernhollow Commerce Group"}}},{"meta":{"slug":"rimtang","industry":"payments","projectType":"QR / POS payments app","country":"th","tags":["fintech","enterprise"],"compliances":["Payment Systems Act B.E. 2560","Thai QR Payment (EMVCo)","PCI MPoC","PDPA Thailand","AML Act B.E. 2542","Thai VAT and e-Tax Invoice"],"cover":{"src":"/case-studies/rimtang/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Rimtang - Phone-as-Till QR and Tap-to-Pay App with an Operations Console","description":"Designed a phone-as-till payments product for a Thai bank-owned payment service provider and its street merchants - 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