Enabling safe, integrated instant credit and payment systems, compliant to banking standards and legislation.

Challenge

Our client needed to enable its customers to initiate and complete credit applications with a partnering bank at the time of checkout, providing immediate payment. They needed a combined integration and user experience solution from us, making it quick, easy and painless for their customers to do business with them.

Approach

We overcame the limitations of a legacy stateless middleware layer to provide seamless session persistence for the customer. Our integration with the partner bank - Bank of America - was able to work around the restrictions of both systems.  On successful approval, we could then fast-forward the user's checkout process for a seamless experience.

Outcome

Our solution successfully enabled integrated payment systems, providing customers the ability to be approved for instant credit and use this to pay for their purchase, all within a matter of seconds. Lola Tech ensured a seamless user experience and a safe transaction compliant with the required NYDFS and PCI DSS 3.2 standards.