Mass Payment & Smart Collection Management System

Author
.
2025

Overview

A small and medium-sized enterprise-focused digital treasury management platform partnered with Blend to implement a fully cloud-native transaction system that could streamline payment and collection operations, ensuring efficient payroll processing and precise reconciliation of mass collections.‍

Challenge

  • Client provides transaction support to schools, residential complexes, utility services provides, etc., with high volumes of low-value transactions.
  • Inefficiencies and unclear payer identification due to manual reconciliation of payments from multiple banks.
  • Reliance on Colombia’s slow, costly ACH system hindered timely cash flow management.
  • Client needed an automated solution for mass payment collections with seamless bank integration to ensure accuracy, efficiency, and cost-effectiveness.

Solution

  • Secure Web Access (Public Subnet)
    • Amazon CloudFront (CDN) for optimized user access, AWS WAF for external security, Application Load Balancer (ALB) for efficient routing.
  • Automated Payment & Collection Engine (Private Subnet)
    • AWS Lambda and AWS Step Functions for payroll and supplier payments processing, while reconciling thousands of small transactions.
  • Intelligent Reconciliation Module (Private Subnet)
    • Amazon DynamoDB for real-time transaction mapping and validation, matching incoming payments with payers.
  • Storage Stack
    • Amazon S3 buckets for logging and storing security-related data, Amazon RDS instances for secure database management.
  • Multi-Bank Interconnectivity & ACH Processing
    • AWS VPN Site-to-Site and Amazon SQS for asynchronous processing, optimizing interbank transfers.
  • Real-Time Collection & Compliance Monitoring
    • Amazon CloudWatch, AWS CloudTrail, and AWS Config to track transactions and ensure accuracy.
  • Security & Fraud Detection
    • AWS GuardDuty, AWS Security Hub, and AWS KMS to encrypt financial data and protect against fraudulent activity.

Impact

  • Enabled instant, low-cost micro-payments and improved accessibility for unbanked users.
  • Transformed digital payments, enhancing financial inclusion and transaction efficiency for underserved users.
  • Secure and scalable infrastructure supporting rapid user growth.

Key Data Points

90%
reduction in transaction delays by eliminating ACH dependencies
35%
decrease in operational costs for micro-payment processing
99.9%
uptime ensuring seamless peer-to-peer and retail transactions
60%
faster cash flow cycles, improving financial accessibility