RasaCard

Problem

Each payment provider — MoneyGram, NMI, and Pungle/Visa Direct — exposes fundamentally different API contracts, authentication mechanisms, and transaction flows. MoneyGram requires signed payloads with RSA keys, NMI uses hosted tokenization with 3D Secure callbacks, and Pungle uses bearer-token authenticated RESTful endpoints. Unifying these into a consistent checkout experience without leaking provider complexity to the user required a carefully designed abstraction layer.

Approach

Implemented a pluggable payment-provider architecture where each provider is encapsulated as an independent React component with its own tokenization, submission, and error-handling logic. The PaymentMethod type system maps payment types (credit, debit, cash) to arrays of provider configurations, each with its own component, supported card types, and selection handler. Server-side API routes handle the provider-specific authentication and request signing, presenting a uniform internal API surface to the frontend.

Outcome

Users select a payment method and interact with a single, consistent checkout interface regardless of which provider processes the transaction. New payment providers can be added by implementing a new component and registering it in the payment method configuration — without modifying the checkout flow or card-issuance pipeline.

Problem

Issuing a virtual card requires a strict sequence of dependent API calls — create cardholder, provision account, activate card, load value — where each step depends on IDs returned by the previous step, and failure at any point must be handled without creating orphaned records or double-charging the user.

Approach

Built the card-issuance pipeline as a sequential async chain with error boundaries at each step. Account-holder records are checked against the Appwrite database before creation to prevent duplicates. The cardholder ID is passed through the pipeline as a dependency, and the payment transaction is completed before card creation begins — ensuring the user is only charged once a successful payment is confirmed.

Outcome

The platform reliably issues cards across thousands of transactions without orphaned records or double charges, and the account-holder deduplication logic prevents unnecessary API calls to the banking partner.

Problem

Phone verification is required before checkout, but a slow or failed OTP flow could cause users to abandon the purchase. The system needed to trigger verification as early as possible while keeping the rest of the form interactive.

Approach

Implemented an auto-trigger mechanism that fires the phone verification flow as soon as the phone field reaches ten digits — using a React useEffect hook that watches the phone value. The verification runs in the background: the Vonage Number Insight check validates the number, and if it passes, an OTP is sent automatically via Appwrite. A modal dialog appears for OTP entry while the rest of the form remains editable. The checkout button enforces the verification gate but does not block form completion.

Outcome

Users complete the verification step without a separate page or explicit trigger, and the form remains responsive throughout. The average time from form completion to checkout is minimized because verification runs concurrently with data entry.

Problem

Users who prefer cash need a way to initiate a card purchase online but complete the payment at a physical MoneyGram location. This requires generating a reference document with specific agent codes, account numbers, and calculated fees that the MoneyGram agent can process.

Approach

Built a client-side PDF invoice generator using jsPDF that produces a branded receipt containing the MoneyGram receive code, receive agent ID, receive account number, send amount, receive amount, and calculated fee amount. The fee calculation uses a tiered model based on the load amount. The generated PDF is immediately downloadable and contains all details the MoneyGram agent needs to process the transaction.

Outcome

Users who cannot or prefer not to pay online can complete the entire funding process through MoneyGram's global cash network — extending the product's reach to unbanked populations and cash-preferring demographics.