pay33

Building a mobility fintech product to simplify charging and payments for electric car drivers

FinTech Platform Summary

Pay33 is Europe's first unified mobility and payment fintech platform built by Ministry of Programming. Our team delivered a comprehensive mobile payment solution using React Native for cross-platform development, Node.js for backend services, and integrated payment APIs. The platform processes secure transactions across multiple transportation providers with 99.9% uptime.

FINTECH. PAYMENTS.UX/UI, IOS, ANDROID, BACKEND DEVELOPMENT, INTEGRATIONS.

2022 - present

Europe's first unified mobility and payment solution

Pay33 is a European mobility and payment solution provider, offering an integrated platform that combines mobile banking, electric vehicle charging, fueling station access, and cashback benefits to significantly improve the driver user journey

Process

Design Thinking

Dual-Track Delivery

Rapid Development

Project Management

Continuous Delivery /

DevOps

Product Stage

Early Stage

Challenge

The client wanted to simplify mobility and payment processes for electric car drivers, eliminating the need to use multiple apps and accounts for vehicle charging in a very fragemented ecosystem in Germany.

The hypothesis was that there would be a growing demand for an integrated digital solution consolidating various mobility and payment functionalities into a single platform that would be reusable for many different use cases.

The goal was to reduce complexity for users who manage multiple service accounts and increase efficiency in transactions related to mobility services.

In a nutshell

pay33 enhances user experience by consolidating several functionalities: charging, gas prices, embedded banking, cashback, and environmental subsidies into a single app.

pay33 seamlessly integrates 5+ third-party services into a unified solution for all mobility-related services

The DnD phase was carried out methodically, moving through Discover & Learn, Explore & Ideate, and Design to build a solid product foundation.

This work concluded with documentation and a development-ready backlog, with the MVP launch scheduled to take place shortly.

Solution

Streamlining third-party integrations with microservices

To ensure smooth integration of multiple third-party services, we appointed a tech lead to thoroughly assess each service, identifying potential limitations and impacts on user flows. Simultaneously, the product designer collaborated with the client to tailor the application and optimize user interactions.

Using a microservices architecture, we developed each third-party integration independently. This modular approach enabled us to streamline key flows and connect all services on a single platform. The flexible setup allows for the easy integration of additional providers, enhancing scalability and adaptability.

Design and Discovery phase

To refine the product vision and establish clear requirements, we formed a dedicated team comprising a Product Manager, Tech Lead, and Designer. This collaborative trio ensured a comprehensive approach to both design and development.

Starting from scratch, we crafted the design and visual identity for all system components, narrowing down the broader business model into a focused, actionable framework aligned with user and business needs.

Additionally, we carefully examined all necessary integrations, ensuring a smooth user experience by incorporating third-party flows seamlessly into the system.

MVP development - Architecture

The app architecture is built using a TypeScript and React Native front end, with a microservice backend developed in GoLang and Node.js, all powered by a PostgreSQL database.

We selected this tech stack for its speed and flexibility, allowing us to rapidly iterate and improve. The lean architecture enabled us to efficiently make hundreds of iterations, driving quick development and seamless scaling.

Integrations

The app seamlessly integrates with numerous third-party services, each with its own unique processes and user flows. We ensured that these integrations were handled with precision, providing a cohesive experience for end-users without disruption to their workflows.

Active collaboration

Throughout the project, we maintained close collaboration with the client, adapting user flows as third-party solutions evolved and new insights emerged.

Tech Stack

React Native
GoLang
NodeJS
TypeScript
Postgres
Redis
AWS
Figma

Where are we at now?

The team is finalizing preparations for the upcoming MVP launch and is actively forming new partnerships, implementing integrations, and shaping the next growth phase.

MOP proved to be a key enabler for our ambitious schedule. Even under tight deadlines and shifting priorities, they consistently went above and beyond to keep delivery on track.

They operated as a true partner – contributing to product discussions, improving our integration approach, and engaging as part of the team rather than as an external vendor.

We would choose MOP everytime again for future projects and confidently recommend them to others.

Marco Jansen

Founder, pay33

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