FinTechPayments architecture

FairPay-AI: PayTo Payment Architecture Confirmed with Stripe

The founders needed to resolve the payment architecture before committing to a full product build. Ostride combined technical planning with web and mobile product design so the key feasibility questions were visible early.

Three-month technical architecture and product design engagement
Architecture confirmed with Stripe
Web and mobile proof of concept
Single-pass merchant onboarding

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FinTechPayments architecture

Australia

Engagement

Three-month technical architecture, design and proof-of-concept engagement.

Core need

Plan the application architecture and confirm whether PayTo via Stripe could support the product model before investing in a full build.

Key work

PayTo payment architecture via Stripe, merchant web dashboard design, customer mobile app design and single-pass merchant onboarding.

The architecture question had to be settled before the build

The founders needed to answer one question before committing to a full build: could PayTo via Stripe support their model for Australian SMBs? This was not only a design problem. The wrong architecture decision would have created expensive rework later.

The payment path, merchant onboarding and two product surfaces had to be considered as one system before implementation began.

What Ostride did

Confirmed the payment architecture

A technical architect, product manager and UI/UX designer produced the technical architecture for the PayTo channel and confirmed it with Stripe.

Designed both product surfaces

We designed a merchant web dashboard and a customer mobile app, then created a proof of concept across both surfaces so the product direction was clear before the next build phase.

Designed single-pass merchant onboarding

The onboarding path combined business verification and platform setup in one flow, rather than adding verification as a separate step later.

Prepared the next phase

Ostride also helped the founders bring in a technical co-founder for the next phase.

Technical approach

Web

Mobile

Backend

Infrastructure

Payments

Stripe PayTo on Australia's New Payments Platform.

Results

The PayTo architecture was confirmed with Stripe before the next product build.
The web and mobile design defined the product experience and merchant onboarding flow.
The founders could approach the next build phase with a clearer architecture decision.
The founders brought in a technical co-founder, with support from Ostride, for the next phase.

Strategic takeaway

A new payment rail creates an opportunity only when the architecture works with the provider's real requirements. That is worth confirming before the build starts, not during it.

We won't work with another team again.

William Caswell

Co-founder

William Caswell

Co-founder

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