Putti partnered with Centrapay to design and build PAYAP, a modern open-banking payment app for iOS and Android.
Summary
When PAYAP first approached us, they had a strong vision: to create an open-banking-driven payment experience that felt simple, fast, and modern. What they needed was a partner who could help transform that early spark into something real, something that users could download and trust.
This is how we stepped in, shoulder to shoulder, to help them bring it to life.
The challenge
- Designing secure open banking payment flows
- Supporting users without traditional debit cards
- Meeting banking partner compliance requirements
- Balancing speed, security, and usability in a fintech product
Like most early-stage fintech products, PAYAP had an exciting but technically complex concept.
Open banking is powerful, but it requires rigorous planning: secure flows, identity checks, data-handling models, and careful orchestration among the user, the bank, and the app itself.
The team also wanted to support a wide range of users, including those without traditional debit cards, which meant the onboarding logic had to be flexible and intelligent.
Many of these challenges appear to be problems; instead, they simply meant we needed to think deeply, plan thoroughly, and build deliberately.
Our approach
We began with conversations, lots of them. We listened, mapped ideas, and translated the team's goals into clear, structured user flows.
Once the foundation was set, our engineers moved into building the first pieces of the PAYAP experience.
The solution
We designed:
- A secure, open-banking-compatible architecture
- Clean and intuitive mobile flows
- A flexible funding system
- Consistent cross-platform performance
Throughout the journey, we also worked in parallel with the client's banking partner, ensuring timelines aligned and technical expectations were crystal clear.
Results and outcomes
- Secure, production-ready mobile app
- Open banking payment flows integrated with a banking partner
- Scalable architecture designed for future features
- Foundation for regulatory and compliance growth
PAYAP launched not just as an app, but as a polished, confident first chapter of a much bigger story.
A solid, secure mobile platform now sits behind their vision, ready for scale, ready for new features, ready for whatever comes next.
Most importantly, we helped turn an idea with huge potential into something people can hold in their hands.
This is the kind of partnership we love: a shared journey from concept to reality.