Mobile Money Checkout: Unified Payments
A sample engagement showing how we would bring mobile money, bank transfers and cards into one checkout for a retailer with many branches. The focus is a reconciliation engine that matches every payment to an order automatically and receipts that keep working when the network drops.
1 Checkout
All Payment Rails
Auto
Reconciliation
Offline-Ready
Receipts
Illustrative
Figures
Challenge & Scope
Requirements
Accept mobile money, bank transfer and card payments through a single flow
Match each incoming payment to the right order without manual spreadsheets
Keep branches selling and issuing receipts during network outages
Give finance a daily, auditable view of settlements across providers
Strategic Objectives
Replace branch-by-branch payment handling with one dependable checkout and a reconciliation process finance can trust.
Key Deliverables
Technical Execution
Provider Abstraction Layer
A single Go service wraps each payment provider behind one interface, so adding a new rail is configuration plus an adapter rather than a rewrite.
Event-Driven Reconciliation
Payments, webhooks and bank statements land as events and are matched to orders by rules finance can review and adjust.
Offline-First Point of Sale
The branch app queues sales and receipts locally and syncs safely when connectivity returns, with conflict checks on the server.
Technical Stack
Backend
Go
PostgreSQL
Redis
Mobile
Flutter
Firebase
Frontend
Next.js
TypeScript
Tailwind CSS
Infrastructure
Docker
Kubernetes
GitHub Actions
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Features & Outcomes
One Checkout
Customers pick how they pay; staff see one consistent flow.
Settlement View
Daily settlements per provider with exceptions flagged for review.
Resilient Receipts
Receipts issue offline and reconcile once the branch is back online.
Client Benefits
Senior engineers with hands-on experience integrating local payment rails
Working sessions in the same time zone (GMT+3) as the operations team
Audit-friendly design with clear logs for every money movement
Full source code and documentation handed over to the client
Strategic Outcomes
Target: less manual reconciliation work for the finance team
Designed for consistent checkout across every branch
Clear audit trail for each payment and refund
A foundation that can take on new payment providers
System Interfaces
Project Team
Tech Lead
Backend Architect
Payment gateway & reconciliation design
Engineer
Mobile Engineer
Offline-first Flutter point of sale
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