Merchant payments app
A mobile app for a UK FCA-authorised payment institution, used by more than three thousand merchants: it onboards them, then becomes where they run the business day to day. The Tolaron founder's work from before the company.
- Kind
- Founder's experience, not a Tolaron project
- Sector
- Payments and card acquiring, United Kingdom
- Role
- Senior mobile developer and team lead, leading two to three developers
- Period
- 2024 to 2026
- 1
Context
The client is an FCA-authorised payment institution: UK merchants get one provider for card acquiring and payments, and the mobile app is where they meet it. It is the onboarding tool first, then the app they open every day to see how the business is doing.
- 2
Problem
Two jobs, one app. Onboarding to a regulated acquirer means identity and business verification and compliance steps that cannot be skipped, and every extra step is a chance to lose the sign-up. The same app then has to serve daily operators who want their numbers at a glance, not another form.
It also has to be trustworthy by construction: strong authentication, PCI-compliant handling of card data and secure document storage, all on the phones a small business actually carries around.
- 3
Solution
A cross-platform app for iOS and Android. The onboarding side takes a business from first launch to a verified, live account, with clear state at every step. After onboarding, the same app turns into a management surface: performance, transactions, settlements and notifications.
Zdeněk owned the mobile platform end to end: architecture, state management, native module integration, testing and the release cycle across App Store Connect and Google Play, including CI/CD, crash monitoring and store review.
- 4
Outcome
The app runs in production on iOS and Android inside an FCA-authorised acquiring platform as the merchant's onboarding and daily-management tool, used by more than three thousand merchants. Zdeněk took it from MVP to production and on through further releases and maintenance, leading two to three developers on it.
- 5
Technology
React Native, TypeScript, iOS, Android, App Store Connect, Google Play, CI/CD.
The client is not named here, and its logo and screens are not shown; that is by agreement between the parties. The work is Zdeněk's to describe, the brand and the product are the client's. This is not a Tolaron project: Zdeněk worked on the app before founding the company and alongside it.