Payment Service MVP Development for Financial Service Company

Our client is a finance management company for people running small and medium businesses. 

The platform’s primary objective is to simplify financial transaction processing for small businesses, gig contractors, individual entrepreneurs, and others. It provides a single point of communication through a web/mobile app, where parties can send funds to each other based on direct customer-initiated payments using different payment methods like a payment card, bank account, and the system’s internal balance.


Banking and Finance



Payment Service MVP Development for Financial Service Company

Business Challenges


Capability to seamlessly operate over 10,000 US small businesses

The client needed to simplify funds transferring between over 10K of small businesses, individual entrepreneurs, and their customers and/or between each other. At the same time, they needed to provide a seamless user onboarding and experience.

The application had to be easy to use, cross-platform, and be able to handle a total load of over one million users migrating from the old system.

Our Approach

Our primary task was to create the central feature of the product, which is a payment service. To handle a high payment load and be compatible with third-party integrations, we have implemented a custom, event-based, scalable webhook handler service. It receives all updates from third-party systems and asynchronously redirects them to respective receivers based on defined rules.

The Sombra team also participated in developing a notification service, which is an internal service that handles all kinds of notifications that are sent within the app, including: 

  • funds transferred, 
  • transaction canceled, 
  • invoice created, 
  • invoice paid. 

Sombra’s engineers have developed a solution that allows users to transact with multiple payment methods and collect important data for further analysis.

Additional tasks we had throughout the development process:

  • web view optimization,
  • interface performance optimization,
  • email notifications design,
  • accessibility support,
  • QA testing,
  • UI testing.

Custom software development

Business Value

We participated in delivering an MVP version of the app within 3 months for its listing on the App Store, Google Play, and the web.

Value for end-user

  • The users (entrepreneurs and small businesses) can receive payments from their contractors or customers in various forms, like customer-initiated payments via Apple Pay, Google Pay, credit or debit cards, and bank account transfers. 
  • The app’s end-users can use different feeless payment methods for payments to/from other app users, such as debit cards, bank account transfers, and personal platform balances.
  • A thought-through UX design allows a seamless payment process. 
  • Complete KYC-based signup flow including bank account verification.
  • We help our client with user adoption of a new platform. Currently, the system supports 2000+ live users making thousands of payment transactions per day.

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Chris Garbacz

Co-founder, StudioNinja

The solution launched to user praise and minimal bugs. Sombra has adapted to technical challenges and limited resources throughout the partnership. Consistent communication, flexibility, and a willingness to incorporate feedback have enabled a seamlessly integrated workflow. Our relationship has run smoothly since the beginning.

Martin Weber

CTO, Fooring Company

This is the best offshoring experience I’ve had in my 25 years of doing this. Sombra is very productive. We’re cranking things out with very little rework needed. We have speed and quality, which is important because the system is live, so if we make a change, it has an immediate effect on our customer base.

Sloan Ginn

Former Director of Product

Sombra successfully delivered a smooth-functioning product in the time that the client needed. Their developers were competent and receptive to feedback; the team lead, in particular, proved to have great expertise. They were accommodating of large and abrupt changes, making them a reliable partner.

Jack Crews

CTO, Legal Monkeys

Sombra keeps everything simple and prioritizes getting the work done. One thing that I was pleased with was that Sombra was able to adapt to and learn our approach to software development. They adopted our best practices and were productive within that development methodology. Overall, the quality of their work is above average.