A Prepaid  Payment Card for PCS

A payment method built for the French domestic market, with international capacity. The card can be used in physical stores and online. Without being linked to a bank account like a normal credit card, it is topped up directly, bypassing complex credit checks and preventing users falling into debt. Users manage their own accounts via iOS and Android Apps. Currently serving over 650,000 users and accepted in more than 35,000 outlets.


22 people


Banking & Finance


iOS app; Android app; Bank Integrations


18 month project



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The Challenge

PCS wanted to provide a flexible card-based payment solution for the younger generation who require a modern approach to personal finance. For instance, this card would not require stringent financial checks or link to a bank account. Users simply top up their card and can then enjoy spending everywhere. The solution also suits parents to give financial support their children when studying, travelling abroad, or simply in day to day life.

PCS wanted a mobile wallet app that allowed cardholders with a mobile phone to operate a virtual bank account. The wallet needed features such as payments, transfers, deposits, tracking and additional value-add services. The wallet needed to support prepaid debit cards, in addition to all existing PCS services. Lastly, the mobile wallet app needed to securely link to the customer’s account, via a licensed mobile transaction platform. SmartDev stepped in to help them build this solution.

Technology Stacks






Java Script

The Solution

SmartDev assigned a team of 22 people including Android, iOS and Java specialists. The team acted as an outsourced partner to help PCS design, scope and build the platform and native apps that supported their wallet app. The SmartDev team built the backend management platform that handled all transactions, logged and tracked of workflows and intergrated with PCS and its third-party systems.

The mobile transaction platform integrated with the PCS wallet app and Mastercard’s platform services. The platform, in addition to being secure, had to handle and distribute all requests to complete transactions made by wallet owners; supporting checkout, transfers and card management requests. Additionally, the platform supported user management, KYC, transaction monitoring and auditing.


PCS Achievements

End Customer Users

Enabled Merchants

PCS Core Functions


Financial Services

Mobile Banking (MasterCard PCS account)

3 1

Value Added Services

  • International Mobile Airtime

  • Reload my PCS Card

  • Mobile Money Transfer (using Western Union Payment Gateway)

  • Card to Card Money Transfer (PCS Card to PCS Card)

  • Pay a Friend

  • Instant issuance of MasterCard PCS Virtual card on mobile phone


Other Services

  • Merchant payment (using QR/BarCode)

  • Informative services

  • Help Function in App

Let’s Build Something Together

SmartDev offers a number of solutions, from fully outsourced development to staff augmentation on specific projects, to meet tight deadlines.

What is SmartDev?

A Swiss company built and managed by highly experienced Europeans with a dedication to technical excellence, passed on to promising Vietnamese developers. SmartDev has outsourced development centres in Danang and Hanoi (Vietnam).

How big is your development team?

SmartDev has a team of over 200 developers in Vietnam. Our experienced HR team has the technical knowledge to scale teams up and down as appropriate and find the relevant skills for your project.

How do I get a quote?

Put your email address in the form and an expert will contact you shortly after analyzing your business requirements. We sign an NDA to ensure the highest degree of privacy. We will then issue a comprehensive project proposal, including cost estimates, timelines and skills required for your project. Upon agreement, we will assemble your team and begin delivery within ten days.

Why choose SmartDev?

We have been delivering complex technology projects for businesses since 2014. The SmartDev team has expertise in APIs, mobile banking apps, FinTech app development, insurance software and more, with over 70% of our FinTech developers having more than 3 years of industry-specific experience.

Our Quality Promise

Our offshore development, onshore management model ensures that we have the correct blend of skills to meet your project needs. Our skills extend to Agile development processes and scrum methods, making sure our projects are always delivered on time to our clients’ requirements. We are certified to ISO standard 27001.