Recurring payments platform for faster merchant payout

Fintech | Payments infrastructure | API / SDK platform

Client Overview

Link Money is a U.S.-based fintech offering open-banking-driven account-to-account (A2A) payments through its Pay by Bank platform, enabling businesses to reduce payment processing fees and accelerate settlement.

Project Overview

A cloud-native payments orchestration platform exposing recurring payment capabilities through SDKs and REST APIs, with built-in settlement scheduling, real-time status callbacks, and reconciliation alignment.

Business Challenge

Traditional ACH-based recurring payments create slow settlement cycles, unpredictable cash flow, and high operational overhead in managing fraud checks, retries, and reconciliation. To grow merchant adoption, Link Money required a high-volume, developer-friendly payment infrastructure that could deliver faster settlement, lower transaction costs, and reliable transaction state accuracy across systems.

Business Impact

Reduced settlement timelines from 5–7 days to 2–3 days

70–80% lower processing costs versus traditional card payment rails

Improved cash flow predictability for merchants with recurring billing

Enabled fast merchant onboarding through lightweight SDK integration

Solution Delivered

We engineered the core backend payments platform, including recurring billing orchestration, settlement workflow logic, callback event handling, and reconciliation pipelines. The system exposes SDKs and REST APIs that merchants can integrate into web and mobile flows, with standardized payment initiation, identity validation, retry logic, ledger consistency, and secure audit trails. The platform is built to scale, support real-time payouts, and interface with fraud detection and banking networks, enabling Link Money to offer predictable and accelerated merchant settlement.