Payments trends that have been evolving slowly over years accelerated overnight as the pandemic forced businesses to follow social distancing mandates. Many areas of the world are already well acquainted with digital wallets and contactless payments, while the U.S. market is playing catch up.
Some of Our Financial Clients
Softjourn Financial Expertise
Since 2005 we’ve collaborated with fintech companies and financial institutions, providing project-specific solutions or augmenting in-house tech teams to help them remain relevant and competitive. They rely on our technical and domain knowledge to implement their product roadmaps, continuously update technology to make maintenance easier, improve UI/UX, build integrations, and add those killer features that help our client stand out from the crowd.
Secure Payments
With our payments experience, fintech newcomers to the Money Transfer Operators space develop powerful technology for handling money transfer processes such as new client onboarding, security measures like KYC, and much more.
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Expense Management
As a main development partner for PEX and Emburse for over a decade, we know expense management systems top to bottom. From maintaining legacy software to developing innovative solutions, our expense management clients lean on us for expertise to maintain and grow their leadership in the market.
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Prepaid Cards
By leveraging our decade of prepaid card expertise, we transform our clients into successful next generation workforce spending platforms by developing a robust SaaS model that lets their customers distribute prepaid cards, control their use, monitor activity in real time, and streamline expense reconciliations.
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Payment Processing
Since 2009, we have continually enhanced and maintained our clients' transaction and card processing systems. We reduce time and cost associated with switching to new solutions, develop simulators to test hardware needs, and create all-in-one dashboards to provide clients with real-time information.
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Money Transfer Operators (MTO)
With our payments experience, fintech newcomers to the Money Transfer Operators space develop powerful technology for handling money transfer processes such as new client onboarding, security measures like KYC, and much more.
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Know Your Customer
KYC is a global concern regarding fraud, money laundering and terrorist financing. We are adept in both KYC compliance and, in the process, enhancing the customer experience. Solutions can include AI-based questionnaires that adapt to customer responses or blockchain systems that speed up verification of customer data, required to prevent fraud.
Open API/PSD2
Open Banking, mandatory in Europe under PSD2, is now revolutionizing American banking. We help implement Open Banking in ways that make customer experiences more personalized and transactions more secure. We do this by creating a system that facilitates a network of the financial institution’s data through the use of our fine-grained, access-controlled APIs.
Learn more Our Financial Case Studies
Prepaid Cards
PayPartners: Innovative Prepaid Solution
PayPartners wanted to build a financial solution that included prepaid card processing, managed the entire payment processing lifecycle, and enabled employers to issue payment cards to overseas employees.
Technologies:
JavaScript PHP PostgreSQL Ajax
Prepaid Cards
PEX: Xamarin for Building Expense Management App
Using their previous experience building prepaid card API, Softjourn paired with PEX to develop a user‑friendly interface for phones and tablets that allowed companies to make use of prepaid cards to better track employee spending.
Technologies:
Xamarin C# .NET
Payment Processing
UPC: Improving Payment Processing with Server Maintenance
To keep UPC’s customers happy with the system and keep maintenance costs down, UPC collaborated with Softjourn to migrate and update the processes associated with eCommerce Connect. Softjourn’s original area of financial expertise is payment processing, especially when it comes to technology that enables a quick and accurate transaction.
Technologies:
Java Oracle Vue.js
Accounting Platform
Bullet: Adapting to New Irish Payroll System Requirements
Bullet developed an accounting product for Irish companies that has all of the accounting rules (invoicing, payments, reporting, bank reconciliation, receipt tracking, and mileage tracking) built into its workflows. The existing accounting software was updated according to the legal requirements.
Technologies:
Java8 Spring4 Hibernate Stripe SDK
Payments
UPC: Adding Buy Now Pay Later to Meet Consumer Demand
UPC can now offer buy now pay later to its clients, providing yet another way for all involved in the financial ecosystem to interact and exchange goods and services. This helps our client remain at the forefront of the financial industry.
Technologies:
Confidential
Want to know how our financial experts can help your project?
Engagement Models
Why Our Clients Choose Us
Financial companies leverage our knowledge and best practices. We help our clients—payment processors, banks, transaction acquirers and prepaid card service providers—to increase market share.
How We Help?
We focus on new technology applications. Applications may be related to biometrics including voice or hand swiping to make payments, or applying AI to disputes or helping financial institutions to prevent fraudulent transactions.
How We Apply Our Creativity
Researching new technologies, and developing POCs and prototypes enables us to better advise our clients and work with them to design and deploy new technologies which helps them to remain competitive.
Why Our Clients Choose Us
Financial companies leverage our knowledge and best practices. We help our clients—payment processors, banks, transaction acquirers and prepaid card service providers—to increase market share.
How We Help?
We focus on new technology applications. Applications may be related to biometrics including voice or hand swiping to make payments, or applying AI to disputes or helping financial institutions to prevent fraudulent transactions.
How We Apply Our Creativity
Researching new technologies, and developing POCs and prototypes enables us to better advise our clients and work with them to design and deploy new technologies which helps them to remain competitive.
What Services We Offer
Whether upgrading an existing code or creating a new one, the most important expertise we offer is a proven approach to mitigating risk and containing costs.
Often clients don’t know what product they need, but do know the results they want. Our job is to help define the product and develop optimal solutions to get those results.
To compete, our clients continually need to provide new and better services. We have our own R&D Centers – started in 2008 – which uniquely positions us to do just that.
Our developers and illustrators are experts at UI and UX design. They will work with you to understand your needs in going from idea to prototype to deployment faster and at less cost.
Financial software development has grown exponentially in recent decades. Softjourn is the solution to help you define and develop forward-thinking technology that gets real-world results.
Our core belief is that analyzing and testing is critical because the essential role of software is so important. In the process, our Quality Assurance team helps you create superior products.
Since day one, we’ve been providing application support and maintenance services to each customer on every project. It’s why we’re a proven, trusted partner and reliable asset.
Financial Insights
Thought-Leadership
How Smart Payments Routing Can Stop False Declines
False declines hurt everyone involved in the payment process; here’s how smart payments routing can offer a solution
Thought-Leadership
5 Prepaid Card Industry Trends for 2021
From gig work and millennial preference to virtual cards and prepaid-as-a-service, here are five trends prepaid card providers can capitalize on in 2021 and beyond
Tech-Content
PCI Compliance Levels: A Complete Guide
Do you know which PCI compliance level you fall into? Our complete guide tells you everything you need to know about PCI DSS
Softjourn is very good at the management piece and has a lot of strong knowledge in the financial area. As well Softjourn shows a lot of experience in multiple programming languages and in combining them in to one product.
Toffer Grant
Founder at PEX
Founder at PEX
The work Softjourn has done to this point has helped us streamline our operations and has eliminated the need for us to hire customer service reps. Through the efforts of Softjourn we are able to extend more control to our clients which allows them to better manage their payment process."
Since 2010 Softjourn team have been maintaining the processing system which is a core of our business; they’ve done a great job so far! We value the knowledge transfer process as well as excellent development skills!
Andriy Berezyuk
Business Development Director at UPC
Business Development Director at UPC
Results are fantastic. On either iPhones or Android phones, the app is easy to use and really attractive. We’re increasing our activity in the consumer market, and these great-looking, great-functioning apps will help us expand our reach.