Overview
Unifying payment, compliance, and settlement complexity
Vacepay is a unified, API-first financial infrastructure platform that helps developers, fintechs, and enterprises build and scale payments across Africa. It combines multi-rail payment routing, wallets, KYC/KYB, AML monitoring, automated settlements, and real-time analytics into a single modular system, secure, observable, and built for scale.
Client:
Services:
- API Infrastructure
- Compliance Automation
- Analytics & Reporting
- Developer Experience
- Platform Governance & Operations
Technologies:
VITE
Amazon Web Services
React
Typescript
TailwindCSS
MongoDB
RabbitMQ
Client Request & Business Goals
Vacepay set out to build its financial infrastructure platform with the aim of unifying payments, wallets, compliance, and settlements into a single scalable platform. The existing ecosystem was fragmented, with multiple PSP integrations, manual reconciliation, and limited real-time visibility. Through product and architecture discovery, the team designed an API-first micro service platform that simplifies payment orchestration while meeting strict regulatory and security standards.
The platform also introduced intelligent routing, automated AML checks, double-entry ledger integrity, and real-time analytics to support fintechs and digital businesses at scale.
Our Role
We architected Vacepay’s core infrastructure, covering payment orchestration, wallet management, compliance automation, and analytics. A modular, event-driven framework was designed using secure APIs and observable services. The result is a unified financial backbone that delivers performance, transparency, and operational control.
Challenges and Solutions
Challenges
Orchestrating multiple payment providers reliably.
Vacepay needed to integrate diverse PSPs, banks, and regional payment rails while maintaining consistent performance and uptime. Managing routing logic, failover handling, and settlement accuracy across providers introduced operational complexity.
Solution
We implemented a modular provider adapter framework with dynamic routing rules managed through ControlSphere. Real-time latency metrics and SLA scoring informed routing decisions, ensuring high availability, optimized costs, and seamless failover without service disruption.
Challenges
Embedding compliance without slowing transactions.
Strict AML/KYC requirements require real-time screening across every transaction. The difficulty was enforcing regulatory controls without introducing latency or degrading user experience.
Solution
We integrated ComplyX directly into the transaction lifecycle using hybrid gRPC and RabbitMQ flows. High-risk events trigger automated case creation and fund locking while compliant transactions proceed within
Research Process
We studied how money moves through Vacepay to find the smoothest path for users. Our team audited the system to remove friction and restructured the data to make it more logical. By mapping out simple user flows for complex transactions, we ensured the platform is both powerful for developers and easy for businesses to navigate.
Documentation Analysis
UX Audit
Information Architecture
User Flow
Product Design
To accelerate delivery, we anchored design decisions on the finalized service architecture rather than abstract wireframes. The information structure of PayFlow, VaultNexus, ComplyX, and TrueData directly informed navigation, role-based views, and dashboard segmentation.
Design Direction
Before refining visual systems, we defined a clear direction centered on trust, clarity, and performance. Financial infrastructure demands confidence, so the interface prioritizes legibility, structured data hierarchy, and minimal friction. Accessibility and operational transparency guided every decision. Color, spacing, and typography reinforce system states (success, pending, flagged, and reconciled), enabling users to interpret complex financial information quickly and accurately.
UI Design
With the infrastructure defined, interfaces were designed for operators, merchants, and partners. Screens focused on transaction visibility, wallet balances, reconciliation status, and compliance alerts.
Close collaboration between product, engineering, and governance teams ensured interfaces aligned with backend constraints while remaining clear and usable, resulting in intuitive, data-rich operational dashboards
Key Project's Feature
Wallet Management
Businesses need clear visibility into balances and transaction flows across payment channels. We built unified wallets with real-time monitoring and structured ledgers.
Settlement & Reconciliation
Implemented automated settlement workflows and reconciliation tools to ensure accurate financial tracking across payment providers.
Transactions & Chargebacks
Built centralized transaction monitoring with status tracking, reporting, and simplified dispute and chargeback management workflows.
Payment Links
Enabled instant payment link generation, multi-channel sharing, and secure hosted checkout for simple business payment acceptance.
Conclusion
Results
Faster Integration
Unified APIs enable developers to quickly integrate payments, wallets, and settlements into their applications, reducing complexity and allowing businesses to launch financial features in minutes.
Reliable Infrastructure
Highly scalable micro service architecture ensures reliable transaction processing, high availability, and system resilience across payment, wallet, and settlement services.
Operational Transparency
Real-time monitoring, reconciliation, and analytics provide businesses with complete visibility into transactions, balances, and settlement performance.
Key Improvement
Vacepay provides a unified financial infrastructure for modern digital payments. By combining payment orchestration, wallet management, compliance, and analytics into a single platform, it removes the complexity of integrating multiple financial services.
Businesses gain real-time transaction visibility and scalable infrastructure to build and grow financial products faster.
Explore our projects
Have a project in mind? Let's chat
With our expertise and competence, we’re confident that, working with us, your next product / solution will see the light of day.
Have a project to discuss?
Oluwatobi Immanuel
Founder
Hello@immanuel.inosuft.com
Have a partnership in mind?
Adediran Kayode
Chief Executive Officer
Hello@kayode.inosuft.com