Merchant Portal

Overview

Every payment platform eventually reaches a point where email threads and support tickets can no longer scale with the number of merchants on the books. A merchant portal solves this by giving each merchant a secure, branded home for everything they need to manage their relationship with you: onboarding progress, transaction history, statements, disputes and payout information, all in one place.

Pay Engineers builds portals that sit naturally on top of your existing processor, gateway or acquiring relationships. We do not require you to replace your core payments infrastructure; instead, we build the merchant-facing layer that turns raw transaction and settlement data into something merchants can actually use without calling your support team.

A well-built portal is also a commercial asset. Merchants judge the maturity of a payments partner partly by the quality of the tools they are given, and a polished, responsive portal signals operational sophistication that raw statements and spreadsheets cannot.

Who This Is For

• PSPs, acquirers and gateways whose merchants currently rely on email or spreadsheets for statements and status updates
• Marketplaces and platforms with growing numbers of sub-merchants who need self-service payout visibility
• Payment businesses preparing to scale support operations without proportionally scaling headcount
• Any payments business that wants to reduce inbound support volume tied to routine account questions

What You Get

• KYC status tracking so merchants can see exactly where their onboarding stands and what is still outstanding
• Statements and exports covering transactions, fees and settlements in formats your merchants can reconcile against their own books
• A dispute centre where merchants can view chargebacks, submit evidence and track outcomes without a phone call
• Role-based access control and audit logs so merchant organisations can safely add finance, support and management users with appropriately scoped permissions

Technical Approach

The portal is built on Laravel with a Vue.js front end and Tailwind CSS, giving us a fast, componentised interface that can be themed to match your brand without a rebuild for every visual change. PostgreSQL underpins reporting views, with materialised or cached aggregates used where transaction volumes make live queries impractical for dashboard performance.

Integration with your existing processor or gateway happens through API or database-level connectors depending on what you already run, so the portal reads from your systems of record rather than duplicating data that can drift out of sync. Role-based access control is modelled at both the merchant-organisation level and the individual-user level, so a merchant can safely delegate statement access to their accountant without exposing dispute or settlement configuration.

Delivery Process

• Discovery of your current merchant data sources, support pain points and desired self-service scope
• UX and information architecture design, validated with a sample of real merchants where possible
• Sprint-based build with staged releases: onboarding visibility first, then statements, then disputes and RBAC
• Data integration and reconciliation testing against your live processor or gateway data
• Rollout to a merchant cohort followed by phased expansion to the full portfolio

Outcomes and Benefits

• Measurable reduction in support tickets related to statements, status checks and dispute enquiries
• Faster merchant onboarding as applicants can see exactly what is outstanding without contacting support
• Improved merchant satisfaction and retention through a more professional, self-service experience
• A scalable foundation for future merchant-facing features such as analytics, invoicing or API key management