Click O Pay The payin, payout, and deposit infrastructure we built
Click O Pay is a fintech API provider for businesses that collect, hold, and disburse funds. We built the platform in Laravel with a PostgreSQL ledger and Redis-backed queues, the operations dashboard in Livewire, and the partner-facing API. The work hinged on keeping balances accurate across concurrent transactions and not double-processing a single retry.
- Web Development
- Backend Engineering
- UI/UX Design
Click O Pay The payin, payout, and deposit infrastructure we built - what we built and why.
Click O Pay is a fintech API provider for businesses that collect, hold, and disburse funds. We built the platform in Laravel with a PostgreSQL ledger and Redis-backed queues, the operations dashboard in Livewire, and the partner-facing API. The work hinged on keeping balances accurate across concurrent transactions and not double-processing a single retry.
What we had to solve.
An API provider for money movement has to stay dependable under load and exact in its bookkeeping.
- 01
Tracking deposits and balances accurately across concurrent transactions
- 02
Exposing a stable API surface that integrators can build against
- 03
Handling payin and payout retries without double-processing
- 04
Securing API access with proper authentication and rate limiting
- 05
Reflecting transaction state changes in near real time
Who built it.
- 2 Backend Engineer
- 2 Frontend Engineer
- 1 UI/UX Designer
- 1 QA Engineer
Built with.
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Laravel -
Livewire -
PostgreSQL -
Redis -
Figma
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{ 01 }
Payin services
We built inbound collection across multiple channels that posts each payment to the correct merchant balance.
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{ 02 }
Payout services
We built queued disbursal with status tracking from request to completion, and retry handling that won't pay out twice.
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{ 03 }
Deposit management
We built a consistent ledger that keeps balances and deposit records accurate even under concurrent writes.
-
{ 04 }
API solutions
We built authenticated, rate-limited endpoints so partners can fold collections and disbursals into their own systems.
-
{ 05 }
Operations dashboard
We built a Livewire interface for monitoring transactions, balances, and settlement status in one place.
Outcomes that matter.
Click O Pay got collections, disbursals, and deposit tracking consolidated behind one API-driven platform, with balances that update in near real time.
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99.8%
Transaction success rate
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<250ms
Median API response time
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Real-time
Balance updates
Where it landed.
We delivered the payin, payout, and deposit infrastructure behind Click O Pay, exposed through a stable partner API.
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Have a project in mind?
Tell us where you are — pre-discovery, mid-build, or scaling. A senior engineer or designer will reply within one working day. No SDR, no slideware.