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.
Headcount
22 people
Industry
Products/Services
Timescale
18 month project
Country
Get a Quote for Your Next Project
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
Android
iOS
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)
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
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 02 outsourced development centres in Danang and Hanoi (Vietnam).
How big is your development team?
SmartDev has a team of nearly 450 people. 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?
Experienced Global Delivery Practices
Delivering solutions to over 300 clients worldwide, SmartDev has a strong presence on four continents, making us a truly international software development company. We combine the expertise of highly credited global experts with the top engineering talent emerging from Vietnam
Cost Effective Services & Stability
SmartDev offers a blend of cost-effective solutions, agile methodologies, and a client-focused approach. Our proficient team ensures timely project delivery with exceptional quality. Moreover, as a Swiss-made company, we cultivate a people-centric and productive work environment, fostering stability for long-term client relationships.
Fintech & AI Excellence
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.