A Prepaid Payment Card for PCS

A payment method built for the French domestic market, with international capacity. The card can be used in physical stores and online. Without being linked to a bank account like a normal credit card, it is topped up directly, bypassing complex credit checks and preventing users falling into debt. Users manage their own accounts via iOS and Android Apps. Currently serving over 650,000 users and accepted in more than 35,000 outlets.
Headcount

22 people

Industries

Banking & Finance

Products and Services

iOS app; Android app; Bank Integrations

Timescales

18 month project

Country

France

The Challenge

PCS wanted to provide a flexible card-based payment solution for the younger generation who require a modern approach to personal finance. For instance, this card would not require stringent financial checks or link to a bank account. Users simply top up their card and can then enjoy spending everywhere. The solution also suits parents to give financial support their children when studying, travelling abroad, or simply in day to day life.

PCS wanted a mobile wallet app that allowed cardholders with a mobile phone to operate a virtual bank account. The wallet needed features such as payments, transfers, deposits, tracking and additional value-add services. The wallet needed to support prepaid debit cards, in addition to all existing PCS services. Lastly, the mobile wallet app needed to securely link to the customer’s account, via a licensed mobile transaction platform. SmartDev stepped in to help them build this solution.

The Solution

SmartDev assigned a team of 22 people including Android, iOS and Java specialists. The team acted as an outsourced partner to help PCS design, scope and build the platform and native apps that supported their wallet app. The SmartDev team built the backend management platform that handled all transactions, logged and tracked of workflows and intergrated with PCS and its third-party systems.

The mobile transaction platform integrated with the PCS wallet app and Mastercard’s platform services. The platform, in addition to being secure, had to handle and distribute all requests to complete transactions made by wallet owners; supporting checkout, transfers and card management requests. Additionally, the platform supported user management, KYC, transaction monitoring and auditing.

Technology Stacks

Android
iOS
Java Script

PCS Core Functions

FINANCIAL SERVICES

SmartDev successfully delivered a robust mobile transaction platform that integrated seamlessly with the PCS wallet app and Mastercard's platform services. This platform handled all transactions, supported various features like checkout, transfers, and card management, and ensured a secure and efficient user experience.

VALUE ADDED SERVICES

PCS offers a range of value-added services, including international mobile airtime, PCS card reloads, mobile money transfers via Western Union, card-to-card transfers, peer-to-peer payments, and instant issuance of virtual Mastercard PCS cards on your mobile device.

OTHER SERVICES

PCS offers a comprehensive suite of services beyond traditional banking. These include convenient merchant payments using QR codes or barcodes, informative resources to help users understand their accounts and services, and a user-friendly in-app help function for quick and easy assistance.

PCS Achievements

650000
End Customer Users
35000
Enabled Merchants

Secure mobile transaction platform

This platform handled all transactions, supported various features like checkout, transfers, and card management, and ensured a secure and efficient user experience.

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