Paynet Integration & Open Finance Solutions

Protocol analysis, OpenData / OpenBanking integration and runnable API delivery for Paynet mobile wallet and payments ecosystems.

Starting at $300
OpenData · OpenFinance · Protocol Analysis · Wallet & QR Payments

Integrate Paynet transfers, bill payments and card/QR payments quickly and securely

We provide protocol reverse‑analysis, API rework and production‑grade implementations to support billing, mobile top‑ups, card‑to‑card transfers and merchant acquiring, while ensuring compliance and privacy controls.

Instant QR & Merchant Acquiring — Support for QR payment flows, merchant reconciliation, callback handling and settlement interfaces.
Account & Balance Synchronization — Sync balances and transaction history for Humo/UzCard, with pagination, type and date filters for enterprise reconciliation and reporting.
Top‑up & Bill Payments — Integrate operator top‑ups, utility bill payments and scheduled payments with retry/compensation mechanisms for high availability.
Card & Transfer Interoperability — Card‑to‑card transfers, alias/phone transfers and agent/POS cash‑out flows modeled and secured for production use.
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What we deliver

Standard delivery bundle

  • Protocol & authorization flow analysis (captures, decomposition, compliance recommendations)
  • OpenAPI / Swagger interface specification and examples
  • Runnable backend samples (Node.js / Python) including auth, retry, idempotency and logging
  • Automated test scripts and Postman collection
  • Deployment and operational guidance, security hardening and data‑minimization strategy

Example: transaction history API (pseudo)

// Example: query user transaction history (pseudo)
POST /api/v1/paynet/transactions
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  'user_id': 'uz_user_1234',
  'from_date': '2025-10-01',
  'to_date': '2025-10-31',
  'page': 1,
  'page_size': 50,
  'type': 'mobile_topup' // options: all, transfer, topup, bill
}

Response: {
  'status': 'OK',
  'total': 124,
  'transactions': [
    { 'txn_id':'TXN001','date':'2025-10-03T09:12:00Z','amount':-50000,'currency':'UZS','desc':'Mobile topup - 9989xxxxxx','balance_after':120000 },
    { 'txn_id':'TXN002','date':'2025-10-05T14:22:00Z','amount':150000,'currency':'UZS','desc':'Incoming transfer - +998xxxxxxxx' }
  ]
}

Key integration considerations

Authentication method, callback idempotency, compensation for failures and reconciliation of funds are the three core pillars of a robust integration. We provide end‑to‑end transaction design and monitoring integration (Splunk / ELK / Prometheus).

Compliance & Security Commitment

All work is performed under client authorization or against public/partner APIs. We strictly follow local privacy and regulatory requirements, provide data‑minimization guidance, offer NDA support and deliver secure implementations. PCI‑DSS, ISO27001 and similar hardening advice are available.

Modules we adapt

  • Auth module (OAuth2 / token refresh / device binding)
  • Transaction & reconciliation sync (idempotency, retries, delayed queues)
  • Merchant acquiring & settlement (QR / agent network / POS)
  • Billing exports (Excel / CSV / PDF) and reporting endpoints

About us

We are a technical studio focused on app protocol analysis and third‑party API integration. Our core team has extensive fintech and mobile payments experience; we specialize in protocol analysis, OpenData/OpenBanking design and compliant delivery.

  • Android / iOS protocol analysis and interface reconstruction
  • Deliverables: runnable SDKs, server examples, OpenAPI specs and test suites
  • Compliance first: data retention, KYC, transaction monitoring guidance
  • Transparent pricing: starting at $300, pay after acceptance option available

Contact

To request a quote or submit the target app and integration requirements, please visit our contact page:

View contact / Submit request

📱 Original app: Paynet — features & details (collapsed)

Paynet — short summary

Paynet is more than a payment tool — it provides everyday convenience. Users can complete transfers and bill payments quickly and access thousands of services.

  • Fast transfers and one‑click payments to HUMO and UzCard accounts by card number or phone
  • 2,000+ services: utilities, phone, internet, gas, tuition and more
  • Cashback & rewards: up to 5% cashback and first‑time incentives
  • Mobile top‑up and automated phone number filling
  • Card management: view card balances, transaction history and remote freeze
  • Agent network for cash in/out and service at physical locations
  • Multi‑language interface and 24/7 support
  • Contact: +998 (71) 202 07 07 / info@paynet.uz

This summary is based on public app information and is provided to support technical integration planning. Protocol analysis and implementation will follow client authorization and privacy rules.