Lightning Pay – Payment Gateway

Designed and developed a secure, next-gen payment gateway with automated bank deposit verification, iFrame payment links, automated settlements, secure payouts, and top-up processing for faster, fraud-resistant transactions.

Overview

Our client commissioned DynamoLogic Solutions to develop Lightning Pay, a secure and efficient merchant payment system similar to Help2Pay, enabling end-users to make payments and merchants to process transactions effortlessly.

They required a scalable solution with the following capabilities:

  • Intuitive Payment Processing where end customers can pay via Lightning Pay’s payment portal with real-time validation.
  • Multi-Bank & Multi-Currency Support integrating various local banks and multiple currencies, including MYR, THB, VND, IDR, PHP, and INR.
  • Merchant Profit Extraction to deduct a percentage fee from transactions automatically.
  • Secure Authentication & Fraud Prevention where implementation of OTP verification, CAPTCHA, and automated error handling ensures transaction integrity.
  • Automated Settlements & Payouts to allow merchants to transfer funds to their personal accounts while maintaining full compliance with financial regulations.
  • Real-time Status Updates & Notifications for all transactions, settlements, and payouts with automated status tracking and alert mechanisms.


These requirements required a robust, high-performance fintech solution capable of handling complex payment flows while ensuring security and scalability.

Services

  • Business Need Analysis
  • Design & User Experience (UI/UX)
  • Frontend and Backend Development
  • Maintenance & Support
  • Quality Assurance and Testing

VISIT

WEBSITE

Industry

Payment Gateway

Region

North America

VISIT

Website

Technologies

CSS

CSS

HTML

HTML

JavaScript

JavaScript

JQuery

JQuery

Laravel

Laravel

MySQL

MySQL

PHP

PHP

Python

Python

  • Laravel
  • SugarCRM

Project Goals & Achievements

Bank Integrations With Automated Verifications Checks and Error Handling

Since deposits formed the foundation of the payment ecosystem, the challenge was to implement a multi-layered deposit framework to ensure reliability and fraud prevention.

Our Solution:
  • LP Payment Services enabled customers to select “Pay with Lightning Pay” at checkout with instant redirection.
  • Bank integrations with various local banks, including Military Bank, Vietcombank, and Kasikorn Bank. Here, automated verification checks included:
    • Bank credential validation (username/password authentication)
    • CAPTCHA verification (preventing bot-based fraud)
    • OTP processing (ensuring transaction security)
  • Dynamic fee management was configured per currency with automated error handling for:
    • Invalid credentials
    • Incorrect OTP entries
    • Insufficient funds & deposit limits
  • Automated deposit status updates where all transactions were dynamically categorized as Created, Success, Cancelled, Pending, or Failed, ensuring real-time monitoring.

Merchant Portal & Payment Link Integration Via iFrame

Merchant onboarding and payment processing was challenging. We designed a dedicated Merchant Portal with auto-generated payment links.

Our Solution:
  • iFrame Payment Link allows merchants to receive a unique embeddable LP payment link upon account creation, allowing intuitive website integration.
  • Deposit tracking system with a comprehensive deposit listing page displaying:
    • Unique deposit IDs
    • Customer details (ID, reference, date/time, bank, currency, amount, fee)
    • Search & export capabilities for quick transaction monitoring
  • Admin panel & notifications where Super Admin’s oversight ensures:
    • View-only access to deposits (preventing unauthorized alterations)
    • Automated merchant & admin notifications for deposit success or failure

Robust Automated Settlements & Withdrawals for Lightning Pay-to-Merchant Transactions

Merchants needed a streamlined settlement process to transfer funds from LP to their bank accounts securely.

Our Solution:
  • Added single settlement requests where merchants submit withdrawal requests, including:
    • Transaction date, currency, bank selection, and amount
    • OTP authentication for security
    • Approval flow: Merchant Admin → Super Admin Processing
  • Designed batch settlement requests allowing merchants to upload an Excel file with multiple transactions, processed in bulk after OTP validation.
  • Included dynamic settlement fees & limits, configurable by Super Admin per currency with min/max withdrawal thresholds to prevent fraud.
  • Status & error handling where settlements move through:
    • Created → Processing → Done (Success) → Failed → Rejected → Cancelled, with checks for Invalid credentials, Insufficient funds, and exceeding transaction limits
  • Admins can update settlement statuses, upload receipt proof for transactions, and trigger automated merchant/admin notifications at key processing stages.

Payout Processing With Secure Approval Workflows for Merchant-to-Customer Transactions

Payouts allow merchants to transfer funds directly to customer bank accounts with full validation and compliance workflows.

Our Solution:
  • Supports individual and bulk payments via Excel file uploads.
  • Payout validation & consistency checks to ensure:
    • 1. Currency consistency across transactions
    • 2. Sufficient merchant balance before payout approval
  • Payouts follow an approval hierarchy:
    • Merchant Admin → LP Super Admin (Final Processing & Status Update)
    • Successful payouts deduct amounts from merchant accounts automatically
  • Payouts progress through Pending, Approved, Processing, Success, Failed, and Rejected states, with alerts for any errors.

Top-Up Requests & Merchant Wallet Funding

To ensure merchants always have sufficient funds for transactions, we developed a Top-Up Request Module for account recharges.

Our Solution:
  • Request Initiation – Merchants submit a request specifying:
    • 1. Currency & Amount
    • 2. Payment proof (JPEG/PNG receipt)
  • Fee configuration & status tracking to help super Admin set fee rates (%) per currency and manage statuses.
  • Automated merchant wallet credit where, upon approval, the merchant’s dashboard is credited with the top-up amount (minus fee).
  • Merchants receive alerts for request approval, rejection, or failure due to incorrect details or insufficient external transfers.

Results & Key Impacts

By implementing a high-performance, secure, and scalable payment solution, LP Merchant now provides:

  • Highly convenient multi-bank & multi-currency integration for regional payment support.
  • Automated workflows reducing manual intervention in deposits, settlements, and payouts.
  • Fraud prevention mechanisms (OTP, CAPTCHA, credential verification) improving transaction security.
  • Instant merchant onboarding with auto-generated payment links & admin tools.
  • Faster issue resolution due to automated status updates and error handling.

Why Our Approach Works for Payment Systems

  • Our modular architecture grows with increasing transaction volumes.
  • Our robust authentication & validation mechanisms ensure fraud-free processing.
  • Reduced manual work, real-time updates, and streamlined approvals enhance user experience.
  • Finally, our solutions offer enterprise-grade reliability for fintech applications requiring compliance, accuracy, and stability.

Explore More

The case studies in this section have been handpicked to showcase our best design and development projects. Each case study shows how we used industry-leading practices to transform our client’s idea into a working project.

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