Driving Backend Security and Scalability for a Credit Card Solution

Europe’s largest automobile club chose Solaris to handle over 1 million credit cards by creating a secure backend, ensuring smooth transactions, and designing a platform to scale with future growth – all while maintaining full control and GDPR compliance. This is how we supported the process.

Client

Solaris is Europe’s largest embedded finance platform with a full banking license. As a PCI-DSS compliant organization, the company guarantees adherence of all security standards for card data generation. Renowned for its API-driven solutions, Solaris empowers businesses to offer fully compliant financial services, from digital banking and payments to lending and identity verification.

Project

The project focused on integrating Solaris’ platform into the organization’s mobile and web applications, ensuring seamless credit card management while safeguarding sensitive financial data.

The system consisted of three layers: frontend, middle-layer, and core. The latter two composed the backend. Core already existed prior to the partnership, while mobile and web frontend was developed with Netguru and in parallel to middle-layer.

Netguru was selected as the partner to ensure the integration met high security and scalability standards while optimizing the user experience. Our team designed a robust intermediary backend system that connects the app to Solaris’ API, providing a flexible and secure infrastructure for future service expansion.

The backend solution is owned by Solaris, ensuring full control over the IP and code.

Key Challenges

Key challenges included maintaining security, supporting a smooth user experience, and ensuring the system could scale to accommodate future growth and evolving data protection regulations.

Solution

• API integration: We developed the necessary APIs to connect the client’s app with Solaris’ services, enabling seamless credit card registration, transaction management, and verification. The system supports 3DS and SMS verification to ensure secure transactions.
• Security & compliance: We implemented data masking and two-factor authentication (2FA) to protect sensitive customer information. Additionally, we ensured full GDPR compliance, making certain that the client adhered to all necessary data protection laws and regulations.
• Scalability: The solution was built with future growth in mind, capable of managing an increasing number of users and transactions. This allows the client to continue expanding its financial services while maintaining high performance and security.

Results

• Solaris now manages over 1 million credit cards for the partner's members, providing seamless and secure financial services through its mobile and web platforms.
• Built to handle future growth, the solution provides a flexible infrastructure that can scale as they continue to expand their services and membership base.
• The implementation of strict security protocols, including two-factor authentication (2FA), has reinforced Solaris’ reputation as a leader in secure financial services.
• Full GDPR compliance ensures that their credit card solution meets stringent European data protection laws, safeguarding customer data across all touchpoints.
• Netguru’s involvement ensured the technology powering this solution is of the highest caliber, with the added advantage of Solaris' complete ownership over the solution’s IP and code.