PAYSAP - Real Time Bill Splitter

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  This flow diagram shows what will happen if the user rejects the payment request or he doesn't reply at all the request.

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  This flow shows one person can raise request and sharing party will accept it. After acceptance money will be pooled in & sent to receiver.

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  Home page for PAYSAP application. Shows multiple options available for users. Pay and split, Pay to vendor registered and add wallet money.

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  Confirmation page

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  Bill Sharers

Inspiration

Currently available payment apps do not provide a platform for users to split a bill and pay immediately. One person needs to pay first and keep a track of all the dues. This leads to petty arguments and headaches about who owes what to whom.

What it does

PAYSAP is a real time smart app which is designed to split the bills and make payment in real time. The bill is shared and paid in real time from multiple users to a single recipient. The application possesses its own E-wallet which can consolidate the transactions made from all the users and convert that into a single payment. This wallet amount is then credited in the recipient’s E-wallet. This application’s payment gateway can be linked to any other payment mode. With PAYSAP, you’ll be able to keep the peace between friends by cutting down on squabbles.

How we built it

We built the User interface using microsoft powerapps and integrated it with multiple APIs. The API sources were power app's push notification API which sends a notification to user's phone and asks to accept/reject payment request. We have incorporated two FFDC APIs -

1. FFDC Payment Request (PSD2, STET) (1.3.0) API for Initiating Payment Request
2. FFDC Payment Request-Pay Now, Pay Later, Reject (1.0.0) API to respond to real time creditor payment request

Challenges we ran into

We are all from testing background so developing a new app from scratch was the major challenge. Secondly understanding and connecting all API's with UI was complex but it got solved with help of finastra mentors and tutorials. Also we had to squeeze out time out of our normal working hours.

Accomplishments that we're proud of

We built a successful prototype and were able to execute all we thought of doing.

What we learned

Working in Team Thinking out of box solutions for daily life challenges Learnt new technologies

What's next for ASAP

Credit Card Bill payments Uneven bill splitting Connectivity with applications such as Big basket, BookMyShow, MakeMyTrip, Oyo etc. can be incorporated. Transaction tracking

Built With

• api
• mobile-java-push
• ui