A global fintech payment platform was operating across more than 25 countries and processing high transaction volumes annually. Its business covered POS systems, payment processing, loyalty programs, and buy-now-pay-later services.

The platform's legacy hybrid Java framework had become a constraint. It lacked the scalability and flexibility needed for evolving business demands, especially as the company worked to connect loyalty and payment flows.

The immediate business need was clear: customers should be able to pay using loyalty points, either in full or in part, across payment channels such as online gateways and POS. But the existing foundation was not robust enough to support that reliably at scale.

The client also faced delivery friction:

• Cross-departmental collaboration was slow and fragmented
• Merchant onboarding was not integrated cleanly with the new platform direction
• Payment, refund, and reconciliation flows needed to work consistently across UPI and cards
• Internal payment teams had to coordinate with external third-party providers
• The new internal engineering team needed to move fast while building a maintainable platform

The relationship started through the client's CTO, who was rebuilding the payment gateway with a new internal team. Technogise was initially brought in for a 3-month engagement to build the pay by points feature. As the work progressed and delivery confidence increased, the engagement expanded to 11 months.

Technogise worked as a blended engineering pod with the client's in-house teams across Pune and Bangalore.

The initial team included 3 developers and 1 project manager. At peak, the team scaled to 12 developers and 1 project manager. The working model included business analysis and engineering capability from Technogise, integrated with the client's product and platform teams.

Rebuilding the platform architecture

Technogise helped migrate the payment platform from a legacy hybrid Java framework to microservices built with Kotlin and KTOR.

The new architecture was designed around:

• High transaction volume
• Modular services
• Clean code practices
• SOLID design principles
• Unit testing
• Separation of payment capabilities across channels
• Reporting and operational visibility

The core platform included a payment gateway service with:

• Split payment support across loyalty points and regular payment methods
• Unified wallets
• UPI support
• Card payment support
• Reporting capabilities

Building pay by points across payment channels

The first major feature was pay by points.

Technogise integrated the client's loyalty system with payment channels so customers could use loyalty points to pay in full or in part. The feature had to work across online gateways and POS flows.

This required coordination between:

• Internal payments teams
• Loyalty system stakeholders
• External third-party providers
• Gateway and POS channel teams

The integration started with a small number of providers and then scaled as the platform matured.

Delivering UPI payment, refund, and reconciliation

Technogise delivered complete end-to-end UPI integration, covering:

• Payment initiation and processing
• Refund flows
• Reconciliation

This gave the platform a consistent UPI capability within the modernized gateway architecture.

Co-sourcing card payment capabilities

For card payments, Technogise worked in a co-sourced model with the client's engineering team.

The combined team delivered:

• Card payment processing
• Refund handling
• Reconciliation features

This approach helped the client's internal team stay closely involved while expanding delivery capacity.

Integrating merchant onboarding

Merchant onboarding was built in Java and integrated the existing onboarding system with the new platform capabilities.

This addressed one of the original operational bottlenecks: fragmented onboarding across teams and systems.

Creating a merchant dashboard

Technogise also built a merchant dashboard for real-time transaction visualization.

The dashboard gave stakeholders better visibility into transaction activity across the platform and supported operational monitoring.

The engagement used:

• Kotlin
• KTOR
• Java
• Spring
• PostgreSQL
• Grafana
• Kibana
• Alertmanager

Within the 11-month engagement, Technogise and the client's teams delivered the major payment capabilities to production:

• UPI payment, refund, and reconciliation
• Pay by points across payment channels
• Card payment, refund, and reconciliation
• Merchant onboarding integration
• Core payment gateway services
• Split payments using loyalty points and regular payment methods
• Unified wallets
• Reporting capabilities
• Real-time merchant transaction visualization

The modernized architecture gave the platform a stronger foundation for growing transaction volumes across more than 25 countries.

The unified platform also reduced fragmentation across payment channels. Payment, loyalty, onboarding, refund, reconciliation, and reporting capabilities were brought into a more consistent operating model.

Technogise also transferred knowledge across functions throughout the engagement. By working as a blended pod with the client's internal teams, Technogise helped equip the client to manage and evolve the platform independently after delivery.

The platform met the required scale and compliance expectations, while replacing a legacy foundation with microservices designed for continued change.