Skpay

Streamlining contactless payments

About SKPAY

Vacuumlabs helped to launch a prepaid contactless card that allows customers to pay by cash and get cash from an ATM. The card and digital wallet are particularly useful for the underbanked in the market as no bank account is required to use SKPay. They can be requested directly via the app or given out by employers to their teams as a method of paying out wages or tracking expenses.

Project Summary

Vacuumlabs launched a prepaid contactless card and digital wallet, SKPay, which allows customers to pay by cash and withdraw from ATMs without needing a bank account. This solution is particularly beneficial for the underbanked, who can request the card via the app or receive it from employers for wages or expense tracking.

Card features

  • Cards can be topped up via IBAN or at any post office in Slovakia
  •  ATM withdrawal in the local Slovak market and abroad
  • Pay online safely thanks to MasterCard ID Check
  •  Contactless payments help you spend faster
Technology

JavaScript

React Native

Node.js

React.js

The Solution

Solutions built to scale

To make this product come to life, we needed a reliable provider of web and hosting services on the backend. The cards run on top of a PCI-DSS compliant card processor, which exposes an API for the wallet to track spending, view the balance and most importantly empower the users to make changes to limits or blocking the card on the go. Since secure data about transactions would be transmitted from the processor, the connection not only had to be encrypted, it also required setting up a primary and secondary VPN connection with the processor.

Working with AWS helped us build out, test and manage these connections and multiple API gateways with ease. The VPN had to be custom tuned for the needs of the processor, so we could easily set up the basics in AWS and then dig deeper and unlock more power when we needed it by going down to each machine and tuning the communication.

Having access to powerful scaling and load balancing tools meant that we built the solution to scale naturally by just adding more EC2 machines in the future. Having the database service RDS helped us setup, encrypt and automatically backup all of our databases, so that we could focus on what needed to be built instead of hardcoding backup scripts or having to set up the database ourselves. And thus we were able to launch the application very quickly across multiple platforms.

The Result

Launching less than 6 months from kickoff

The card was live in customers’ hands in just a few months after the project kicked off. The whole stack is deployed to AWS and running on the latest modern technologies like React and Node.js.

By sharing the codebase using React and React native across Desktop, iOS and Android, we were able to implement custom modifications and improvements at the same time, reducing time to market and duplication of work.

Get in touch with us

Our team of experts will work closely with you to understand your goals and deliver a truly customized solution that meets your unique needs.

Let’s shape your ideas
together

No sales pitch or commitments. Just an honest talk to see if it’s a good fit
and build our cooperation from there.
 
You can also contact us via email contact@vacuumlabs.com

By submitting this form you agree to the processing of your personal data according to our  Privacy Policy.

Let’s shape your ideas
together

No sales pitch or commitments. Just an honest talk to see if it’s a good fit
and build our cooperation from there.
 
You can also contact us via email contact@vacuumlabs.com

By submitting this form you agree to the processing of your personal data according to our  Privacy Policy.

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