Yay — Escrow-Style Mobile Payments
Built a trust-first escrow payment experience that protects both buyers and sellers—integrated with Malaysia's core payment rails and designed for compliant, secure transactions.
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Client
Impact at a Glance
Project Description
Yay is a Malaysia-based mobile escrow-style payment platform designed to help buyers and sellers transact with peace of mind. Transactions are protected through a Licensed Trustee Company, increasing trust and improving transaction success. We delivered the end-to-end mobile and backend system, including complex payment integrations such as FPX online bank transfers and Malaysian card payments (Visa/MasterCard)—built with security-first controls appropriate for regulated financial workflows.
Key Technical Decisions
Implemented an escrow-style payment flow that supports trustee-backed protection for both parties
Integrated Malaysia payment rails: FPX and card payment processing (Visa/Mastercard) with robust error handling and reconciliation patterns
Designed a secure backend foundation with compliance-aligned practices for PCI and GDPR requirements (as provided)
Built native iOS/Android experiences for clear transaction states, confirmations, and dispute-safe UX
Established CI/CD via Bitbucket to reduce manual release risk and support rapid iteration