Custom Split Payments Platform

The Story

The client sought to expand their payment platform to handle increasingly complex split-payment workflows and higher transaction volumes. They engaged FiftyFive to deliver technical scalability, stronger observability, and simplified integration with multiple payment providers. The engagement required a dedicated engineering team to modernize the platform, migrate core systems, and build compliance-driven infrastructure on AWS. FiftyFive’s role was to engineer and deliver the system, while the client continues to operate the business.

The client operates a split-payments platform enabling merchants to process transactions via cards, groups, links, and installments—integrated with acquirers and compliant with PCI-DSS, ISO 27001, and GDPR standards.

Abhay Mathur

Head of Mobile Development

Challenges

• > Complex orchestration of multi-card, group, link, and installment workflows.

• > Limited real-time analytics and diagnostics across payment flows.

• > Manual/static integration with acquirers, gateways, and orchestration layers.

• > Migration of frontend and backend to a single monorepo.

• > Establishing scalable, secure AWS infrastructure.

• > Maintaining PCI-DSS, ISO 27001, and GDPR compliance during enhancements.

The Solution

• > Modularized the payment orchestration layer with a unified API for all split-payment workflows.

• > Embedded real-time analytics, monitoring, and diagnostics into transaction pipelines.

• > Developed plug-and-play connectors for multiple acquirers and gateways.

• > Implemented A/B testing to optimize user flows and conversion rates.

• > Migrated frontend and backend codebases into a unified monorepo with CI/CD pipelines.

• > Deployed secure, auto-scaling infrastructure on AWS using containerization and IAM-based access.

• > Enforced compliance through tokenization, encryption, and audit logging.

• > Delivered cross-platform compatibility for consistent performance on web and mobile.

The Outcome

The platform now processes multi-card, group, link, and installment payments through a single API, reducing integration effort by 40%. Real-time analytics improved issue detection and reduced incident resolution time by 35%. Plug-and-play connectors accelerated new acquirer integrations from weeks to days, expanding merchant options and revenue channels. Migration to a monorepo streamlined development, cutting release cycles by 25%. With AWS-based scaling and full PCI-DSS, ISO 27001, and GDPR adherence, the client achieved a secure, future-ready payments platform that increased operational efficiency, improved merchant onboarding speed, and strengthened customer trust.