Home›Case Studies›NBF Merchant Payments

Merchant onboarding,payments, and operationsin one banking-grade system.

Built for a UAE banking context, this implementation combined merchant onboarding, customer profile management, transaction processing, and a hybrid merchant app with deep NBF API integrations throughout.

Onboarding
merchant activation + validation
Customer profile
merchant, location, terminal sync
Transactions
QR, request to pay, pay by link
Merchant app
dashboard, reports, support
NBF merchant loginNBF home dashboardNBF dynamic QR screenNBF reports screen
What Was Built

A connected operating stack,not a single payment screen.

Merchant onboarding

Capture, validate, review, approve, and activate merchants, shops, terminals, and bank details.

Customer profile management

Synchronize merchant, location, terminal, and banking records into operational customer structures.

NBF API Layer

Onboarding APIs
Customer profile APIs
Transaction processing APIs

Transaction processing

Support static QR, dynamic QR, request to pay, and pay by link with bank-coupled execution flows.

Merchant app

Deliver login, OTP, collection journeys, reports, support, and profile controls in one mobile surface.

Product Surfaces

The experience was broad, but each surface stayed focused.

Login + secure entry
Login + secure entry

Native shell + OTP-led entry before handing the merchant into the application experience.

Merchant dashboard
Merchant dashboard

Daily sales, payment mix, recent transactions, and operational shortcuts in one surface.

Cashier-present payments
Cashier-present payments

Dynamic QR amount capture and invoice-aware transaction initiation for merchant-side collections.

Remote collection
Remote collection

Request-to-pay journeys and customer-facing payment views extend the platform beyond in-store use.

Module
Onboarding
Validation, discrepancy handling, approval, activation
Module
Customer profile
Merchant, location, terminal, and bank record synchronization
Module
Payments
Static QR, dynamic QR, request to pay, pay by link
Module
Merchant operations
Reports, EOD summary, profile controls, support workflows
Why This Matters

A reusable reference forfuture bank-led merchant platforms.

Deep NBF integration

The implementation separated onboarding APIs, customer profile APIs, and transaction APIs instead of collapsing everything into one integration layer.

Security-aware architecture

OTP-led access, role-sensitive application structure, validation-heavy flows, and separated service layers reflect a banking-conscious delivery posture.

SolidX delivery acceleration

SolidX reduced platform rebuild effort so the team could focus on NBF-coupled complexity, merchant hierarchy, and custom operational journeys.

Positioning

This is the kind of case study that helps show how SolidX can accelerate delivery on real banking and fintech systems, not by replacing engineering judgment, but by giving teams a stronger operational base to build from.