I will build bill payment, airtime and utility payment app

Building a payment app is not just about creating screens and connecting a payment API.

The real challenge is making sure the entire payment experience works correctly when a user funds a wallet, purchases airtime, pays a utility bill, receives a transaction response, gets a receipt, or experiences a failed or pending transaction.

I develop bill payment, airtime, data recharge, utility payment, VTU, wallet and fintech applications with the goal of creating a simple, reliable and scalable payment experience for both users and administrators. Many payment applications look good but become difficult to manage when real transactions start happening.

• A user may be charged while the service remains pending.
• A transaction may fail but the wallet balance may not update correctly.
• An API may return a delayed response.
• A payment may be submitted twice.
• A utility customer number may need validation before payment.
• An administrator may not have enough information to reconcile transactions.

These are the types of problems that need to be considered when building a serious payment platform.

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