CASE STUDY • Global Payment Provider

Digital Payment Solutions Provider Modernizes Payment Platform Architecture for Scale

Industry

Financial Services

Our Contributions

Agent-Native Development, Core Modernization

Digital Payment Solutions Provider: Rearchitecting Product Suite with Reusable, Scalable Components

The Challenge

This global payment solutions provider had built a strong omnichannel platform serving brick-and-mortar, online, and mobile merchants. But years of rapid growth left them with an inflexible system that slowed progress. New features had to be built from scratch, delaying rollouts. Decentralized workflows drove up maintenance costs, while frequent bugs and rushed releases hurt merchant trust. Rigid systems made adapting to regulations like PCI, EMV L3, and GDPR difficult, and scalability was limited for rising volumes and new payment types like digital wallets. Adding developers created coordination bottlenecks instead of speed. In a fast-moving payments market, they risked losing ground to nimble fintechs. They partnered with Encora to modernize their platform and build for scale.

How We Did It

Encora developed a comprehensive platform modernization strategy that transformed their payment infrastructure while maintaining the reliability and security required for payment processing.

Rebuilding the Foundation

We built modular, reusable components and centralized payment processes, speeding feature development, cutting maintenance time, and enabling teams to focus on innovations that deliver direct value to merchants.

Streamlining the Build Process

We streamlined development with faster routines and automated checks to catch issues early, ensuring bug-free releases. Enhanced core services like payment encryption now boost reliability, cut support calls, and strengthen merchant trust.

Preparing for What’s Next

We built the system to add new payment options like digital wallets without major overhauls, adapt to evolving regulations seamlessly, and scale automatically as transaction volumes grow.

The Result: Faster Innovation, Built to Scale

Together, we helped shift their platform from a bottleneck to a business enabler with immediate and measurable impact:

new features delivered through faster development cycles

million additional transactions processed with improved system performance

Maintenance burdens dropped with centralized workflows and simplified system structure, freeing teams to focus on payment innovation
Payment industry regulatory changes became manageable without tearing apart the system
New payment options like Apple Pay and Samsung Pay were integrated quickly, keeping pace with digital payment market demand
Developers got more done quickly with fewer errors and less rework on payment functionality

This technical upgrade changed how the business delivers value and stays ahead in a competitive payments market.

The Bottom Line

This transformation turned a complex, high-maintenance system into a faster, more agile platform, allowing teams to focus on growth instead of firefighting. With a stronger foundation, streamlined processes, and room to scale, this provider is now equipped to lead the future of digital payments with speed and confidence.