Pay33
Building a mobility fintech product to simplify charging and payments for electric car drivers
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 drives, 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, leading to a successful MVP launch after eight months.
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?
We successfully launched the MVP and additional milestones and the pay33 team is subsequently focused on forming new partnerships, implementing integrations, and leveraging smart marketing strategies to drive its growth.
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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