Custom Merchant Portal Integrated with ACH Payment Gateway

Summary

INNERLUXES delivered a scalable merchant portal integrated with the Client's ACH gateway, enabling real-time payment processing and greater operational control.

The Client: ACH Payment and Paper Check Processor

The Client is a direct ACH payment and paper check processor that gives businesses the ability to transfer funds into or out of a merchant's bank account. Up to this point, the Client depended on a third-party agent to capture transactions from the merchant. As retail processing architecture grows increasingly complex, merchant service providers face pressure to internalize these processes under a single service umbrella, emulating the one-stop-shop model.

To accomplish this, the Client enlisted INNERLUXES. Collaborating with the Client, INNERLUXES outlined a detailed merchant portal blueprint and a project timeline concluding with the robust functionality the Client required. The merchant portal was designed to capture transactions directly from the merchant and integrate with the existing ACH payment gateway, processing those transactions in real time.

Building the Custom Merchant Portal

By building an in-house merchant portal integrated with its ACH payment gateway, the Client could minimize commission costs and offer advanced customization and reporting features to merchants. The objective was a fully configurable and scalable merchant portal for white labeling that would let merchants submit transactions to be processed by the Client's payment gateway and receive a response in real time.

INNERLUXES developed a fully configurable merchant portal designed to capture merchant transactions and support white labeling. The portal was equipped with standard and advanced reporting features enabling merchants to identify the total number of pending, settled, and returned transactions. INNERLUXES integrated the portal with the Client's existing ACH payment gateway, creating the interoperability and cross-system dialogue the Client was looking for.

The Results

• Operating exclusively in-house and removing third-party systems, the Client expanded business relationships with existing merchants and used its comprehensive offering to foster new arrangements.
• INNERLUXES delivered a fully configurable and scalable merchant portal within three months, saving the Client up to 70% on development costs.
• With the in-house portal, the Client could offer merchants a better experience while eliminating the costs incurred by third-party agents, turning a favorable ROI.

Technologies and Tools

ACH payment gateway integration, real-time transaction processing, white-label portal architecture, role-based access control, reporting & analytics, systems integration.