Case study · Fintech · GCC
Android payment gateway integration: +50% transaction success
At Ozoned Digital, five payment gateways (three bank and two mobile-wallet providers) lived behind separate checkout paths — users abandoned when their preferred method failed. One unified checkout abstraction raised transaction success by 50%. The same pattern now runs in production across the COFE white-label platform.
- +50% txn success
- 5 gateways unified
- 10+ tender types live
Before
- Each gateway had its own checkout fragment and error handling.
- Users couldn't fall back when a provider timed out.
- Adding a market meant copying checkout UI, not plugging a provider.
After — PaymentProvider abstraction
- Single checkout composable/screen orchestrates tender selection.
- Each gateway implements a narrow PaymentProvider interface — initiate, confirm, handle 3DS, map errors.
- Tokenised saved cards via provider SDKs; PCI scope stays with acquirer.
- Analytics events at initiation, success, failure and retry — comparable across providers.
Extended at COFE App
Production scale across GCC brands: Tap GoSell, Checkout.com Frames, Google Pay, KNET, Benefit, mada, STC Pay, Tami, Tabby BNPL, in-app wallet, gift cards and cash on delivery — all behind the same seam.