Mobile App

ABCD Merchant Business App

Client

ABCD

Overview

ABCD is a QR-acquiring merchant app for small and medium business owners, covering the full merchant lifecycle: DIY and assisted onboarding, QR activation and settlement, a homepage hub for transaction tracking, a personal/business loan cross-sell journey with a lending partner, GST-compliant commission invoicing, and a full account-management experience covering profile, staff roles, settlement settings, service limits, reports and support.

The brief

Merchants needed to start accepting payments immediately, before KYC/QC verification could finish, without exposing the business to settlement risk. Verification requirements varied heavily by business entity type (sole proprietor, HUF, partnership, private limited, trust) and by MCC/business category, each with its own document rules. The app also had to layer fraud, device and location checks early without over-blocking legitimate merchants, integrate a third-party lending partner for a loan cross-sell journey while relying on asynchronous webhooks for loan status, and compute GST/TDS-compliant commission invoices that could survive an audit -- all while keeping one consistent merchant experience across onboarding, homepage, transactions, lending and account management.

What we built

The team designed a tiered-limit onboarding model so merchants can transact immediately at a reduced monthly limit while documents are in QC, with limits increasing automatically once verification clears and settlements held (not blocked) in the meantime. Entity-type and MCC-specific document requirements were made fully admin-portal configurable rather than hardcoded, so new business categories can be added without an app release. Multiple independent risk checkpoints -- PAN/mobile dedupe, fraud-risk SDKs, device-integrity checks and location screening -- run early in the funnel. The loan cross-sell journey treats the lending partner's webhook as the single source of truth for application status, with resume-from-drop-off and graceful API-failure handling built around that dependency. Commission payouts run through a GST/TDS calculation engine that adapts to the merchant's registered state and GSTIN, feeding directly into admin-portal reporting and approval workflows.

The outcome

The result is a single merchant app that takes an owner from sign-up to live QR acceptance in one sitting, keeps operating even while compliance checks are still running, and turns loan referrals and commission payouts into a self-serve, tax-compliant flow -- reducing reliance on manual admin-portal work and support tickets for everyday account and settlement changes.