Payhouse Finance Platform

Loan applications were being processed by hand, with compliance checks slowing everything further. We digitised the full application flow and built in the security fintech actually requires, PCI-DSS handling and real-time transaction monitoring included, so approvals move faster without cutting corners on trust.

The challenge: A loan process run by hand

Payhouse was processing loan applications manually. Every application had to be collected, checked and walked through approval by a person, which put a hard ceiling on how many the team could handle in a day.

Compliance made it slower still. Handling applicant and payment data properly is not optional for a lender, and those checks were running through the same manual process that was already the bottleneck. Moving faster and staying compliant looked like a trade-off.

The solution: The application flow, end to end

• Digitised application flow: The full loan application was rebuilt as an online journey, from first enquiry through to a decision, so applications arrive structured instead of as paperwork somebody has to re-enter.
• PCI-DSS compliant handling: Payment and cardholder data is handled to PCI-DSS requirements, designed into the architecture from the start rather than retrofitted once the platform was already live.
• Real-time transaction monitoring: Transactions are monitored as they happen, so anything unusual surfaces immediately instead of at the end of a reporting cycle.
• A public site that feeds it: The marketing site and the application flow are one system, so an enquiry becomes an application without anyone rekeying it in between.

More on how we approach web application development.

Business value & impact: Speed without loosening control

The manual bottleneck is gone, and the compliance posture came out of it stronger rather than weaker.

• Applications move on their own: Approval no longer waits on someone carrying each application to the next stage by hand.
• Compliance built in, not bolted on: PCI-DSS handling and transaction monitoring are part of the platform, so they hold as volume grows.
• A process the team can see: Every application lives in one system, so status is something you look up rather than something you ask around for.

ShiftTech built our website and helped us fully digitise and automate our loan application process. Security and compliance were critical for us, and the team handled everything with confidence from PCI-DSS requirements to real-time transaction monitoring. They truly understand fintech and know how to build systems you can trust.

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