Case Study

PAYMENT PROCESSOR BRINGS THIRD-PARTY SERVICES IN-HOUSE WITH CUSTOM MERCHANT PORTAL

Chetu delivered a scalable merchant portal integrated with the client's ACH gateway, enabling real-time payment processing and greater operational control.

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Industry

Payments

Technologies Used

ACH Payment Gateway Integration
Real-Time Transaction Processing
White-Label Portal Architecture

Project Solution

Custom Merchant Portal Development
ACH Gateway Integration
Merchant Management
Transaction Processing
Reporting & Analytics
White-Label Enablement
Systems Integration
Role-Based Access Control

The Client: ACH Payment and Paper Check Processor

The client is a leading direct ACH payment and paper check processor that provides businesses the ability to transfer funds into or out of a merchant's bank account. Up to this point, the client depended on a 3rd party agent to capture transactions from the merchant. As retail processing architecture becomes increasingly complex, merchant service providers have experienced pressure to internalize these processes under a singu lar service umbrella, emulating the one-stop-shop model.

To accomplish this, the client enlisted the help of Chetu developers. Collaborating with the client, Chetu outlined a detailed merchant portal blueprint, illustrating a project timeline that concludes with all the robust functionalities the client demanded. The merchant portal was designed to capture transactions directly from the merchant and integrate with their existing ACH payment gateway, processing those transactions in real time.

Chetu Builds Custom Merchant Portal

By building an in-house merchant portal integrated with their ACH payment gateway, the client would minimize its commission costs and could offer advanced customization and reporting features to the merchant. The objective was to build a fully configurable and scalable merchant portal for white labeling that would allow the merchant to submit transactions to be processed by the client's payment gateway and provide the merchant a response in real-time.

Drawing on its vast experience developing and integrating payment gateway and payment processors, Chetu developed a fully configurable merchant portal designed to capture merchant transactions and for white labeling.

Engineer Your Own Payment Processing Solutions, Eliminate 3rd Party Expenses

The portal designed by Chetu was fully equipped with standard and advanced reporting features enabling the merchant to identify the total number of pending, settled and returned transactions. The Chetu team was also able to integrate the portal with the client's existing ACH payment gateway, creating the interoperability and cross-code dialogue the client was looking for.

In operating exclusively in-house and removing 3rd party systems, the client was able to expand their business relationships with existing merchants, while also leveraging their comprehensive offerings to foster new arrangements. Chetu delivered a fully configurable and scalable merchant portal within 3 months, which saved the client up to 70% on development costs. With the in-house merchant portal designed by Chetu, the client could now offer merchants a better experience while eliminating the costs incurred by 3rd party agents, turning a favorable ROI.