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Payment Gateway & Merchant Management Platform Case Study

Payment Gateway & Merchant Management Platform Case Study

Case Study

DreamzTech developed a comprehensive payment gateway and merchant management platform for a leading fintech enterprise. The platform enables virtual terminal payments, recurring billing subscriptions, hosted payment pages, invoice management, multi-channel payment processing, and detailed transaction reporting with PCI-compliant security infrastructure.

  • Industry FinTech & Payment Processing
  • Solution Payment Gateway Platform
  • Delivery End to End Product Development
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Payment Gateway & Merchant Management Platform Case Study
Payment Gateway & Merchant Management Platform Case Study
Payment Gateway & Merchant Management Platform Case Study
Payment Gateway & Merchant Management Platform Case Study
Payment Gateway & Merchant Management Platform Case Study
Trusted By Startups, SMBs to Fortune 500 Brands
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Quick Answers

  • What we built: A payment gateway platform featuring virtual terminal for custom payment schedules, hosted payment pages, recurring subscription management, invoice generation and tracking, product/service catalogs, checkout link generation, comprehensive transaction reporting, and merchant onboarding with role-based access controls.
  • Who it is for: Payment service providers, merchant acquirers, fintech companies, SaaS businesses requiring subscription billing, B2B enterprises needing invoice management, and businesses seeking white-label payment solutions with virtual terminals and hosted payment pages.
  • Key outcomes: Streamlined payment acceptance through virtual terminals and hosted pages, automated recurring billing reducing manual intervention, comprehensive invoice management improving cash flow, detailed transaction analytics enabling business insights, and PCI-compliant security ensuring regulatory compliance.

Overview

DreamzTech designed and developed a comprehensive payment gateway platform for a growing fintech business serving merchants across multiple industries. The platform provides a complete payment infrastructure enabling businesses to accept, process, and manage payments through multiple channels. This case study is NDA compliant and does not disclose any client identity. The virtual terminal enables merchants to process single, split, and recurring payments with custom schedules. Hosted payment pages provide branded checkout experiences while maintaining PCI compliance.

Challenges

  • Merchants struggled with multiple disconnected payment systems for terminals, online payments, and recurring billing, creating operational inefficiencies.
  • Paper-based invoicing led to delayed payments, tracking errors, and poor visibility into accounts receivable status.
  • Managing recurring payments with variable schedules and failed payment recovery required significant manual intervention.
  • Building PCI-compliant payment acceptance without specialized expertise exposed businesses to security risks.
  • Lack of consolidated reporting across payment methods made financial analysis and reconciliation difficult.

How the platform works

  • Merchant Onboarding Admin invites and onboards merchants, configures accounts, assigns subscription plans, and sets up branding.
  • Payment Configuration Merchants configure virtual terminals, hosted pages, products, and pricing with role-based team access.
  • Payment Collection Customers pay through virtual terminals, hosted pages, checkout links, or recurring subscriptions.
  • Transaction Processing System processes payments securely, handles authorizations, and routes funds with PCI compliance.
  • Reporting & Reconciliation Dashboard displays transactions, disputes, payouts, and analytics for financial visibility.

Solutions delivered

DreamzTech designed and implemented a comprehensive payment gateway platform with multi-channel payment acceptance, recurring billing, and merchant management capabilities:

  • Process single, split, and recurring payments with custom schedules and payment adjustments.
  • Send automated payment request emails with attachments and custom messages.
  • Schedule future payments with background job processing for automated collection.
  • Support for multiple payment methods including credit cards and ACH transfers.
  • Create branded hosted payment pages for secure online payment acceptance.
  • Customize appearance and authorization options while maintaining PCI compliance.
  • Enable merchants to accept payments without handling sensitive card data.
  • Embeddable checkout forms via iframe for website integration.
  • Create, manage, and track invoices with payment requests and schedules.
  • Maintain customer accounts with contact management and activity logs.
  • Print PDF invoices, send reminders, and customize branding per merchant.
  • Automated dunning workflows for overdue payment recovery.
  • Manage recurring subscriptions with flexible billing schedules.
  • Track subscription sales and profits with detailed analytics.
  • Modify schedules and switch authorization methods as needed.
  • Automated retry logic for failed recurring payments.
  • Generate shareable checkout links for quick payment collection.
  • Embed checkout forms via iframe on merchant websites.
  • Distribute payment links via SMS and email with reminders.
  • QR code generation for in-person payment scenarios.
  • View comprehensive transaction reports with receipts, void and refund capabilities.
  • Track disputes, discounts utilization, and payout status.
  • PCI-compliant infrastructure with rate limiting and penetration testing.
  • Role-based access controls for merchant team management.

Success Metrics

Multi-Channel Payments

Unified payment acceptance through virtual terminals, hosted pages, checkout links, and subscriptions.

Streamlined Invoicing

Comprehensive invoice management with payment tracking, reminders, and branded PDF generation.

Automated Recurring Billing

Subscription management handling complex billing schedules and failed payment recovery.

White-Label Branding

Customizable hosted pages, invoices, receipts, and email templates matching merchant branding.

Comprehensive Analytics

Real-time transaction reporting, dispute tracking, and payout visibility for informed decisions.

PCI-Compliant Security

Enterprise security with rate limiting, injection prevention, and penetration-tested infrastructure.

Conclusion

DreamzTech delivered a comprehensive payment gateway platform that unifies payment acceptance across multiple channels for a growing fintech enterprise. The solution provides virtual terminal processing, hosted payment pages, recurring subscription management, invoice generation, checkout link distribution, and detailed transaction reporting. PCI-compliant security infrastructure ensures regulatory compliance while merchant onboarding tools enable efficient customer acquisition. This write-up is NDA compliant and intentionally anonymized.
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    Frequently Asked Questions (FAQ)

    A payment gateway platform is a comprehensive system that enables merchants to accept, process, and manage payments through multiple channels including virtual terminals, hosted payment pages, and recurring billing systems while maintaining PCI compliance.

    A virtual terminal allows merchants to process credit card and ACH payments without physical card readers. Merchants can enter payment details manually, set up recurring schedules, split payments, and send payment requests via email.

    Hosted payment pages are secure, branded checkout pages that merchants can use to accept payments without handling sensitive card data directly. They simplify PCI compliance while providing customizable checkout experiences.

    Recurring billing automation handles subscription payments with configurable schedules, automatic retry logic for failed payments, and dunning workflows for payment recovery, reducing manual intervention and improving cash flow predictability.

    Essential features include virtual terminals, hosted payment pages, invoice management, subscription billing, checkout link generation, transaction reporting, dispute management, merchant onboarding, and PCI-compliant security infrastructure.

    Checkout links are shareable URLs that enable quick payment collection without requiring customers to visit a website. They can be sent via email, SMS, or embedded in invoices for convenient payment acceptance.

    PCI DSS compliance ensures that organizations handling payment card data maintain secure systems. It protects against data breaches, builds customer trust, and is required for processing card payments.

    White-label payment processing allows businesses to offer payment services under their own brand. Customizable hosted pages, invoices, receipts, and email templates maintain consistent branding across all customer touchpoints.

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