Case Studies  /  Fintech

PayCentre: cross-platform agency banking made seamless.

A leading fintech powering POS transactions across Nigeria, with thousands of agents processing millions of naira daily. In fintech, 99% uptime isn't good enough — you need 99.99%.

0
critical bugs post-launch
99%
uptime, first 6 months
<5s
avg transaction time
5B+
daily transactions today
PayCentre product image

The challenge

PayCentre needed to roll out consistent updates while maintaining a comprehensive payment ecosystem that worked flawlessly across every platform. A single bug could mean failed transactions, lost revenue for agents, and eroded trust. The ecosystem spanned:

  • Hardware integration with traditional, hybrid and Android POS devices
  • Cross-platform consistency across mobile applications
  • Web-admin dashboards
  • Third-party API integrations — bank switches, utility billers, and payment processors
  • Distributed system reliability across a microservices architecture

How TBD came in

End-to-end transaction testing

Complete payment flows from tap-to-pay through settlement, plus reversals, refunds, reconciliation, mid-transaction network failures, and edge cases like duplicate and concurrent transactions.

Platform-specific testing

Native Android POS hardware (card readers, receipt printers, PIN pads), offline transaction queuing, battery and memory profiling; mobile app functionality and performance; and full web-dashboard browser and responsive testing.

API & microservices testing

Third-party integration validation across multiple bank APIs and payment switches, microservice contract testing, API performance under load, and graceful degradation when dependencies fail.

Security, performance & scale

PCI compliance validation, authentication and authorisation, load testing at peak periods, stress testing under extreme load, and network-condition testing — validating a sub-3-second response time.

Client impact

PayCentre has gone on to process over 5 billion daily transactions. Agents now transact with confidence, knowing the platform won't fail them during critical customer moments — and the reliability we helped build has become a competitive advantage in Nigeria's crowded POS market.

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