API-driven payment gateway leveraging FedNow/RTP networks to help SMBs reduce transaction costs with real-time processing, compliance tools, and multi-currency support.
PayPulse Pro addresses the $4.3B SMB payment solutions market through instant settlement technology, offering 70% lower fees than traditional processors. Targeting US/EU businesses under $5M revenue, the platform combines regulatory compliance with developer-friendly APIs to democratize access to real-time payment rails.
Core Functionality
Specialized API gateway featuring:
- Real-time transaction processing (<2s settlement)
- Automated OFAC/AML compliance checks
- Multi-currency conversion engine
- Merchant fraud detection dashboard
- Blockchain-anchored transaction auditing
Target User Segment
Primary markets:
- E-commerce platforms (35% adoption potential)
- Professional service providers (28%)
- Brick-and-mortar retailers (22%)
Recommended Tech Stack
- Backend: Python/Node.js microservices
- Frontend: React dashboard with real-time analytics
- Infrastructure: AWS Lambda with auto-scaling
- Security: AES-256 encryption + hardware security modules
MVP Development Costs
500 development hours at ac100/hr:
- Core API development: ac20k
- Compliance module: ac10k
- Merchant portal: ac15k
- QA/Testing: ac5k
SWOT Analysis
- Strengths: First-mover in FedNow integration
- Weaknesses: Complex banking certifications
- Opportunities: Neobank partnerships
- Threats: Regulatory changes in RTP networks
Customer Acquisition Strategy
ac35k launch budget targeting:
- LinkedIn Ads for financial decision makers (4.2% CTR)
- Shopify app store integration
- Bank referral programs ($200/signup bonus)
Monetization Model
- Tiered subscriptions from ac99-ac499/month
- 0.3% transaction fee
- Break-even at 720 active users
Market Positioning
Differentiated by:
- 2-second settlement guarantee
- White-label compliance reporting
- 50% lower fees than Stripe RTP
