Payments Studio · Engagement
Payments product development in fixed phases, in your repository
We build the parts of a payments product that have to be exact: the ledger, the payout flow, partner integrations and reconciliation. Each phase is scoped and priced in writing and ends with working software in your staging environment.
Munro Banting advises, designs and builds. Client funds are held and moved only by licensed partners. Munro Banting does not hold, transmit or exchange client funds.
- Phases
- 3 to 6 weeks each [OWNER]
- Where
- Your repository
- Ends with
- Working software
Typical phases
- 01
Ledger and accounts
Double-entry ledger, account model, balance queries, idempotent writes, audit trail.
- 02
Money movement
Partner integrations, payout state machine, returns and reversals, webhook handling.
- 03
Reconciliation and reporting
Daily matching against partner and bank records, break queues, safeguarding and finance reports.
- 04
Operations tooling
Admin screens for support and finance, manual adjustments with approvals, alerts.
Phase lengths: 3 to 6 weeks each, set in the build plan [OWNER: confirm].
What each phase delivers
- Working code merged into your repository
- Automated tests, including ledger invariant tests
- Runbooks for operations and on-call
- Architecture notes and diagrams
- A handover session with your engineers
How we work with your team
We follow your branching, review and deployment process. A named lead from our side attends your planning and stand-ups. Your engineers review and approve every merge. At the end of each phase we write down what is done, what is open and what we would change.
Frequently asked questions
Fixed price or time and materials?
Each phase is scoped and priced in writing before it starts.
Can you take over a ledger someone else built?
Yes. We start with an assessment of the existing ledger against its partner records.
Book a 15‑minute call
Tell us what you are building, your stage, the rails or countries involved and your timeline. We'll set up a 15‑minute call. If we're not the right firm, we'll say so and suggest someone who is.