Payments

Case Study

API integrations for loan repayment processing

Fintech | Payments | Collections

Client Overview

Pine Labs is a leading merchant commerce and payments company, powering digital payment acceptance, card-based EMI, and value-added services across retail merchant networks.

Project Overview

We contributed to the development of repayment capabilities that allow customers to repay loans using credit/debit cards or dynamic QR codes, processed securely through the Pine Labs payment infrastructure.

Business Challenge

Loan repayment flows must handle varying network conditions, multiple tender types, asynchronous settlement confirmations, and real-time reconciliation. Pine Labs needed robust API integration patterns to ensure reliability, traceability, and consistent repayment posting.

Business Impact

Enabled loan repayments through multiple digital payment modes

Reduced dependence on branch visits & manual collection processes

Improved repayment success rates through stable integration flows

Created a frictionless repayment experience inside partner apps

Supported scalable rollout across merchant networks

Pine Labs

Solution Delivered

We implemented the API integration layer that supports card and QR-based loan repayment execution. This included:

  • Secure card transaction initiation through gateway SDKs
  • Dynamic QR code generation and validation flows
  • Webhook-based status callbacks for real-time payment confirmation
  • Idempotent transaction handling with failure-safe retries
  • Reference mapping for accurate reconciliation across systems

Value Delivered

  • Unified repayment execution across multiple payment tender types
  • Reduced transaction failures and reprocessing effort
  • Real-time, audit-ready reconciliation data
  • Faster enablement of repayment functionality for partner apps

₹11.4 L Cr

5.6 B+

9.8 L+

177+

Tech Foundation

Kotlin

Android

REST APIs

Yes bank

DCB bank