PayByCard enables you to create virtual credit cards to enhance your business's financial transactions, whether you're a large corporation, a small family business, or a freelancer. These virtual cards work just like regular ones, letting you buy online. Companies can provide virtual cards to employees for business expenses, such as travel and entertainment, and set limits and controls to ensure compliance with company policies.

PayByCard can help businesses with payment distribution management in many other use cases. Its advanced cutting-edge tools also help in financial chargeback disputes

pay by card hero

Project Overview

PayByCard is a unified wallet system, and admins hold the financial power, ensuring a structured flow of funds. Clients and media buyers benefit from dynamic fund requests, card creation, and bidirectional transactions. The platform provides advanced tools for finance dispute resolution and payment processing. Key modules of the dispute tools include Rapid Dispute Resolution (RDR) Alerts and Dispute Dash. Additionally, the payment processing solutions cover online e-commerce payments and in-store payments.

The objective is to create an application for distributing funds and a management portal that helps centralize and control the process of fund allocation to various users. This portal allow users to manage their funds effectively and efficiently.


The Client came up with the idea and problems with scattered information, manual work, worries about security, inability to see transactions well, and difficulty handling more work as they grow. The Client had detailed documentation of the problem but didn't know how to convert it into a digital solution.

Integrating PayByCard with a third party was a major challenge to design a detailed API structure,so it can be integrated easily with any system.

pay by card challenges


We understand the client's vision and set up app architecture according to business needs and with a scalability scope. In response to the challenges, we worked closely for all problems, like introducing Media Buyers to manage multiple cards independently within the portal, each having dedicated login portals, Integrated tools like transaction logs, and corporate card management streamlined processes. We enhanced fund distribution and reporting capabilities, enabling Admins to manage transactions effectively while ensuring regulatory compliance.

Our scalable infrastructure anticipates future growth and is backed by ongoing technical support. With improved reporting and compliance features, businesses can confidently navigate complexities.

pay by card solution

Services We Provided

  • Backend Development

We develop the application features as per flow of the application, handling data storage, processing, and server-side functionalities to ensure smooth and seamless integration of new features.

  • Frontend Development & Support

We support the frontend development services by ensuring that the application provides a great user experience to its customers and is easy to use.

  • Project Management

We provide additional support to streamline processes and meet client deadlines. It helps us coordinate effectively within our team and with the client, ensuring efficiency throughout development.

  • Agile Development Process

Our team follows the agile methodology, working on tasks and delivering daily reports. This approach ensures rapid development and flexibility to adapt to changing requirements.

  • Production Support

We provide round-the-clock assistance and technical support to address issues, ensure system uptime, and promptly resolve emergencies, ensuring app is always accessible and functional for users.

App Modules

Admin Portal

1. Programs Management

2. Card Pool Management

3. Acquiring Bank Management

4. Wallet Management

5. Virtual Cards

6. User Access Controls

7. User Management

8. Transaction Logs

9. Transactions Managementt

10. Notifications & Alerts

11. Secure Two Factor Authentication

70+ More Features

Advanced Features & Integration

1. Offer Dispute Solutions

Rapid Dispute Resolution (RDR) and alert tools empower merchants to swiftly address disputes by automatically issuing refunds, bypassing lengthy chargeback processes and minimizing financial losses. With real-time resolution capabilities, merchants can efficiently resolve disputes as they arise.

2. Efficient Fund Distribution

We developed advanced techniques to efficiently distribute funds to merchants through micro-transactions. Automated transaction processing and load balancing ensure timely and accurate fund allocation, minimizing delays, errors, and inconsistencies.

3. Analytics & Reporting Management

Enable real-time insights into the status of the ongoing as well as past programs. It provides:

  • Comprehensive reporting and analytics capabilities.
  • Enabling Admins to gain real-time insights into program statuses.
  • Transaction details.
  • Fund allocation trends.

Customizable reports, dashboards, and alerts facilitate informed decision-making.

4. QuickBooks Integration

Sync your financial data seamlessly with QuickBooks to streamline accounting tasks and organize your books effortlessly.

Our Process & Approach

  • Sprint Meetings

Sprint meetings help us plan weekly tasks. We always prepare MOM, and while planning the new sprint, we check all backlogs to be discussed. We understand project requirements in detail and try to brainstorm how they can be converted into a technical document. Before starting any task, we ensure that all tasks have proper time estimation.

  • Creating an Approach

We always follow best practices to make the approach reliable, robust, easy to scale, and keep user experience in mind. Moreover, we do present our approach to the client in an easy-to-understand manner so that the client is also aware of the work that is being done/about to be done on the said feature.

  • Daily Scrum

The internal scrum meetings discuss the daily to-do list, any blockers we are facing, and the tasks that need to be done as a priority. Any queries or doubts the team presents are answered and resolved during this time.

  • Communication Channel

To monitor the progress and make sure we are on the right track, we use various tools for project management and client communication.

  • Demo Meetings

Demo meetings with clients ensure we are on the right track for every new feature we work on. To present/update clients on what we have achieved so far, get their feedback, any blockers we’re facing, and how to improve them.

  • Daily/Monthly Reporting

Daily reports are sent internally to stay updated on the progress of the team regarding what we have accomplished in a day. At the end of the day, the project manager gathers updates from all team members and processes them into valuable information for the client. It includes everything that is done in a day.

Tech Stack

react logo
blue penguin
quick books

Project Status

Bluebash continues to focus on improving this application while it is in use. We continue to work on it and add new features.



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