About project

The project aimed to address the financial infrastructure gap in a growing market that lacked the resources to build complex payout and commission systems from scratch. In addition to core functionality, the project delivers white label SaaS solutions for marketplaces. Inspired by platforms like Etsy, we created a modular, API-first payment engine that simplifies key financial services. The result is a customizable backend that supports multi-currency transactions, real-time analytics, and seamless integrations with providers like Stripe and Wise. The user interface is customizable and offers unique features tailored to business needs, ensuring flexibility and differentiation in the white label SaaS product environment.

Category
Fintech
Launched
2024
Location
San Francisco
Team size
14
A great team is the path to product success
Andrii T.
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13
Alona S.
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13
Mykola Ch.
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13
Yaroslav M.
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13
Adam I.
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13
Anastasiia S.
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13
Ivan D.
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13

The project aimed to address the financial infrastructure gap in a growing market that lacked the resources to build complex payout and commission systems from scratch. In addition to core functionality, the project delivers white label SaaS solutions for marketplaces. Inspired by platforms like Etsy, we created a modular, API-first payment engine that simplifies key financial services. The result is a customizable backend that supports multi-currency transactions, real-time analytics, and seamless integrations with providers like Stripe and Wise. The user interface is customizable and offers unique features tailored to business needs, ensuring flexibility and differentiation in the white label SaaS product environment.

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Challenges 
we faced

The core challenge was designing a payment system that could offer the flexibility and modularity marketplaces need, without the cost of building a full fintech stack. Minimizing time spent on software development was a key factor in the decision making process, as we needed to allocate resources efficiently and make informed choices aligned with our business needs. It had to support asynchronous payouts, custom commission schemes, and multi-currency operations, while remaining easy to integrate and being cost effective. Achieving this balance between power and simplicity, without compromising on reliability or security, was key.

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Solutions we delivered

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PROJECT IN DETAILS

Our client—a niche marketplace brand—needed a plug-and-play way to manage payouts, platform fees, and financial visibility. Instead of time-consuming building from scratch, they adopted PayFlow Engine: a white-label fintech core product tailored for marketplace operations. The white label platform is built on single platform, ensuring secure and efficient operations for all users.

Modular Fintech Infrastructure
A flexible, white-label platform enabling marketplaces to manage payouts, fees, and financial workflows effortlessly. Clients can start selling their own white label product and white label products, which are sold to other customers, generating additional revenue and expanding their customer base.
API-first, Queue-Driven Payouts
Our asynchronous payout engine handles complex schedules and third-party integrations using Celery, Redis, and AWS. This saves time and leverages extensive resources, making it one of the best white label software options for scaling operations and entering new markets.
Financial Clarity & Scalability
With real-time analytics and customizable modules, clients unlock new levels of transparency and operational efficiency. The platform enables rapid deployment of new features to meet evolving marketplace needs and helps marketplaces attract new customers through optimized marketing efforts.
Multi-currency wallets & fee handling
Isolated seller wallets with real-time commission deduction, backed by FastAPI, PostgreSQL, and ClickHouse for analytics. Clients can leverage additional resources without hiring more staff, and dedicated customer support is available to ensure smooth operations.
API-first payout engine
Asynchronous payout queues with Celery/Redis, custom schedules, and integration with Stripe Connect, Wise aligns perfectly. The platform integrates with other services to expand capabilities, including support for Google Ads, SEO services, and social media management tools.
Dashboards & infrastructure
Real-time financial customizable dashboards (React or htmx/Jinja2) and CI/CD-ready deployment on AWS (ECS, RDS, S3). The platform also supports the creation and optimization of landing pages for better conversion rates.
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Delivery manager
"Ensure that Empat is the hub where even the wildest ideas transform into reality"
Valeriia
Head of Delivery at Empat