Loyal Payment – Mobile Fintech App for Utility Payment
client
Loyal
Payment
Loyal Payment
industry
Fintech
platform
Mobile application
6 months
Duration
6 employees
Team
Request
The client wanted to solve the problem of paying utility bills, which was fragmented, complex, and time-consuming. The request involved the entire delivery scope, including user authentication (PIN + Touch ID / Face ID), multi-address and multi-service support, meter data input, payment history, bank card management, push/SMS notifications, and a marketing landing page.
Challenge
The core technical challenge was integrating with utility providers that have inconsistent or outdated APIs. We also had to preserve payment flows consistent despite weak mobile connectivity. Multi-address and multi-service logic increased complexity because each address can have separate accounts, meters, and balances with multiple providers. The main design and architecture challenge was to keep that data clean, synchronized, and understandable in a simple UI.
Our solutions
Our team created a single entry point for all utility services, which are accessible by address. Before the user makes a commitment, each service screen displays the current balance, account number, and last payment amount. We created a detailed notification system. Users can individually control SMS alerts, payment reminders, and transaction confirmations. They can search history by service type or date and use the built-in calendar selector for accurate results.
Core Features
Multi-Service Payment Hub
One app manages water, gas, electricity, and housing fees for several residences. Each service account is linked to a single provider and displays the current amount, charges, and due dates. The solution allows you to add several services per property to save time switching between external portals and make managing monthly bills easier.
Layered Authentication
We designed a multi-level authentication flow that combines secure login, session validation, and transaction confirmation steps. The authentication has a secure and understandable logic: for registration, people should use their phones and PIN, and for subsequent sessions, they can choose the biometrics (Touch ID or Face ID) option.
Multi-Property and Address Management
A property-based data structure separates addresses, service accounts, and billing details. Users can add several apartments or houses and assign utilities to each location. This approach is convenient, time-saving, supports households managing multiple properties, and prevents billing confusion. Our UI/UX designer clearly grouped all records, so they are easy to access.
Payment History and Transaction Tracking
A detailed transaction log records each completed payment with timestamps, amounts, and service details. Users can look over previous activities, check payment status, and easily find receipts. This feature improves financial visibility and lowers support requests for missing or unclear payment information.
Smart Notifications and Payment Reminders
An automated notification system informs about upcoming due dates, new charges, and successful payments. Our team created three independent notification channels: SMS alerts, in-app notifications, and transaction confirmation. Users can control each toggle separately and choose the most convenient communication format.
Results
- Our Yojji team designed and delivered 60+ screens that cover every user flow from onboarding to payment confirmation.
- The Loyal Payment app can onboard **10+ **utility providers without changing the fundamental architecture or rewriting existing flows.
- Structured processes and pre-filled account data minimize the need for manual entry, allowing users to pay bills 52% faster.
- The team observed 78% fewer payment errors thanks to standardized service flows, inline validation, and explicit confirmation states before any transaction is processed.
ReactReact NativeProject Team
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