Driving Backend Security and Scalability for a Credit Card Solution
1M+
Credit cards managed
Cards Solaris now runs for the automobile club’s members.
GDPR
Compliance across touchpoints
European data protection law met wherever customer data travels.
The client
Europe’s largest embedded finance platform, Solaris holds a full banking licence. Being PCI-DSS compliant, it guarantees the security standards that generating card data demands.
Its API-driven products let other businesses offer compliant financial services of their own — digital banking, payments, lending, identity verification.
The challengeWhat the teams actually needed
Europe’s largest automobile club picked Solaris to handle more than a million credit cards, which meant a secure backend, transactions that simply work, and a platform with room to grow.
Challenge 01Sensitive data, no compromises
Financial data had to stay protected while the integration reached into the club’s mobile and web applications.
Challenge 02An experience worth using
Credit card management had to feel smooth for members, not merely functional.
Challenge 03Room for what comes next
The system had to scale with growth and with data protection rules that keep changing.
What we did
An intermediary backend, owned outright by the client
The system runs in three layers: a frontend, a middle layer and a core. The core predated the partnership; Netguru built the mobile and web frontend alongside the middle layer, and the backend belongs to Solaris, IP and code included.
The app talking to the platform
Purpose-built APIs connect the club’s app to Solaris’ services for card registration, transaction management and verification, with 3DS and SMS verification keeping transactions secure.
Masked data, two factors
Data masking and two-factor authentication protect sensitive customer information, with GDPR compliance covered in full.
Built for the numbers to grow
The architecture takes rising user and transaction volumes in its stride, so financial services can keep expanding without losing performance.
No lock-in by design
Solaris holds complete ownership of the solution’s IP and code, keeping full control of the infrastructure it now depends on.
Client testimonial
Netguru has proven to be a very supportive partner, able to react fast to changing situations and tackle all the challenges that came their way.
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What’s next