Executive Summary
About the Client
Appworkpay operates in the Fintech & Payments sector based in India. They approached Appworks Technologies looking for a reliable long-term engineering partner with deep expertise in their domain.
The Challenge
We needed to develop a highly scalable, RBI-compliant, white-label payment gateway and digital wallet software engine Appworkpay to sell to our fintech clients. The core product required dual capabilities built right into the engine: a B2C model to support direct consumer utility payments, and a B2B model for agent-based networks to earn commissions. The system needed to support Aadhar Enabled Payment System (AEPS), Bharat Bill Payment System (BBPS) integration, and bank-grade security from scratch.
Our Approach
We architected a unified PCI-DSS compliant infrastructure using Laravel and MySQL, integrating a vast array of payment and utility aggregator APIs to serve as the core engine. Using this robust foundation, we successfully deployed customized instances for our clients such as Billmitra (a B2C consumer utility portal) and InstapayBizz (a B2B agent commission wallet) offering automated digital wallet operations 'Anytime Anywhere'.
What We Built
- Software Development
- ERP Solutions
- Cloud Infrastructure
- Security
Live Deployments
This software solution successfully powers the following live platforms:
A B2C utility bill payment system enabling direct consumers to pay for Electricity, Postpaid Mobile, Broadband, Landline, Gas, Water, and Insurance.
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A 100% automated B2B digital wallet and payment platform that allows agents to handle bill payments, mobile/DTH recharges, and Fastag services with attractive commissions.
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The core platform launched within 5 months and processed over ₹2 crore in transactions in its first 60 days. Today, the underlying Appworkpay software proudly powers successful fintech platforms like Billmitra and InstapayBizz, bridging the gap between technology and convenience with flawless online services, handsome agent commissions, and a 99.3% fraud detection accuracy.
