A pioneering mobile payment platform enabling secure contactless transactions before the rise of Google and Apple Pay
MoboCards is an innovative mobile payment solution developed for CTS Ltd., enabling users to make contactless payments directly from their mobile phones. Designed before the era of Google Pay and Apple Pay, it provided banks with a secure, scalable, and API-integrated platform to process payments through MasterCard and Visa networks. The system delivered a modern and seamless digital wallet experience for end users while maintaining strict compliance with banking security standards
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Quick Facts:
  • Early mobile payment system integrated with MasterCard and Visa APIs
  • Secure deployment within a major Georgian bank
  • Full compliance with encryption and security standards using HSM
  • Admin panel for system configuration and transaction monitoring
  • Built with Java, JBoss Fuse, OSGi, Oracle, Spring MVC, Bootstrap, ActiveMQ, and Apache Camel
Client Info:

CTS Ltd. (Card Technologies and Systems LLC) is a Kyiv-based technology company specializing in digital payment infrastructure. The company is a certified supplier under the Mastercard Cloud-Based Payment (MCBP) specification, providing credential management and wallet server solutions. With a strong focus on fintech innovation, CTS Ltd. delivers advanced payment systems to banks and financial institutions worldwide.

Challenge:
  • Lack of established mobile wallet ecosystems
  • High security and encryption requirements from payment networks
  • Need for seamless integration with existing banking infrastructure
  • Absence of centralized tools for managing transactions and user credentials
Solution:
  • Integration with MasterCard and Visa APIs for transaction authorization and processing
  • Development of secure backend services leveraging Java, JBoss Fuse, OSGi, and Apache Camel
  • Implementation of strong encryption and key management using HSM
  • Creation of a web-based admin panel built with Spring MVC and Bootstrap for system configuration and monitoring
  • Robust messaging and event-driven architecture utilizing ActiveMQ
Business impact:

Enabled the bank to offer mobile payments years ahead of global competitors

Strengthened customer trust through high-security standards

Positioned CTS Ltd. as a pioneer in mobile wallet technology within Eastern Europe

Provided a scalable platform adaptable to future payment technologies

Team:
  • Business Analyst
  • 4 Developers
  • 1 QA
Call to action
Bring your financial technology vision to life with a secure and scalable digital payment solution
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