e-wallet app development

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Spark Your E-Wallet Idea:
Ignite It with Our Expertise

E-Wallet app development focuses on creating digital wallet applications that offer the storage of monetary assets as well as convenient monetary exchange. Essential for modern finance culture, wallet apps embody the modernity of finance management. Make use of your custom fintech e-wallet as your startup product or as an additional offering to your main business.

building E-wallet
app features that users need

  • User app

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    • User Registration

      Convenient gathering and registering user details with additional Know-Your-Customer (KYC) procedure.

    • Link Bank Account

      Linking several bank accounts and enabling account management, bank transfers, and wallet funding.

    • Deposit Funds

      Allowing users to deposit money into their in-app wallet through various methods, including credit and debit cards.

    • Transfer Funds

      Transferring money using their in-app wallet or connected bank accounts. Both bank-to-bank and peer-to-peer wallet transfers are supported.

    • Online Bill Payments

      Paying bills manually or setting up automated recurring bill payments

    • View Transaction History

      Accessing the history of all successful and unsuccessful transactions, including details like time, amount, and bank information.

    • Scan QR Codes

      Utilizing the QR code functionality for simplified fund transfers

    • Check Wallet Balance

      Viewing the real-time wallet balance and, if linked, their bank account balances.

    • Generate Digital Receipts

      Creating digital receipts for transactions, with all essential details available for record-keeping.

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    User Registration

    Convenient gathering and registering user details with additional Know-Your-Customer (KYC) procedure.

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    Link Bank Account

    Linking several bank accounts and enabling account management, bank transfers, and wallet funding.

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    Deposit Funds

    Allowing users to deposit money into their in-app wallet through various methods, including credit and debit cards.

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    Transfer Funds

    Transferring money using their in-app wallet or connected bank accounts. Both bank-to-bank and peer-to-peer wallet transfers are supported.

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    Online Bill Payments

    Paying bills manually or setting up automated recurring bill payments

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    View Transaction History

    Accessing the history of all successful and unsuccessful transactions, including details like time, amount, and bank information.

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    Scan QR Codes

    Utilizing the QR code functionality for simplified fund transfers

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    Check Wallet Balance

    Viewing the real-time wallet balance and, if linked, their bank account balances.

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    Generate Digital Receipts

    Creating digital receipts for transactions, with all essential details available for record-keeping.

  • Merchant app

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    • Interactive Dashboard

      Reviewing all the crucial app-related information in one place in the form of interactive dashboards.

    • Real-Time Payments Tracking

      Keeping track of all the payments, refunds, returns, etc., coming and going from their wallet account.

    • Generate a Unique QR Code

      Generating a unique QR code for in-store or online purposes, ensuring quick and errorless payment processing to their users.

    • Customer Management

      Empowering businesses to manage their customer account to keep a record of sales and funds transfer effectively.

    • Offers & Discounts

      Generating new offers, deals, discounts, and cashback as per marketing campaign.

    • Push Notifications

      Empowering businesses to create and send push notifications about the latest deals, sales, etc. to users’ devices.

    • Reporting

      Generating detailed reports encompassing sales figures, financial trends, errors in accounts, etc.

    • Add Products

      Adding products, services, and other offers to the eWallet platform.

    • Checkout

      Allowing merchants to offer easy checkout payment options to wallet users to scale up their sales.

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    Interactive Dashboard

    Reviewing all the crucial app-related information in one place in the form of interactive dashboards.

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    Real-Time Payments Tracking

    Keeping track of all the payments, refunds, returns, etc., coming and going from their wallet account.

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    Generate a Unique QR Code

    Generating a unique QR code for in-store or online purposes, ensuring quick and errorless payment processing to their users.

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    Customer Management

    Empowering businesses to manage their customer account to keep a record of sales and funds transfer effectively.

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    Offers & Discounts

    Generating new offers, deals, discounts, and cashback as per marketing campaign.

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    Push Notifications

    Empowering businesses to create and send push notifications about the latest deals, sales, etc. to users’ devices.

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    Reporting

    Generating detailed reports encompassing sales figures, financial trends, errors in accounts, etc.

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    Add Products

    Adding products, services, and other offers to the eWallet platform.

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    Checkout

    Allowing merchants to offer easy checkout payment options to wallet users to scale up their sales.

  • Back office

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    • User & Merchant Management

      Enabling admins to see the list of users and merchants using the application as well as restricting them from specific features and services.

    • Transaction Management

      Enabling to handle financial services as well as transactions on the platform.

    • Revenue Management

      Allowing the admin team to manage revenue in-flow and out-flow, checking for changing trends and changes in figures.

    • Live Customer Support

      Allowing the admin team to monitor and answer user queries, requests, and complaints.

    • Complete Data Control

      Granting the admin team control to review accessible user and merchant data.

    • Reporting

      Offering advanced analytics and reporting to help improve the platform and make necessary changes.

    • Security Management

      Managing the security measures and introducing new methods of leveling up the security.

    • Bank Management

      Allowing the admin team to collaborate, remove, or modify the terms of service by their banking partners.

    • Auto-Backups

      Backing up all important data at pre-set intervals of time.

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    User & Merchant Management

    Enabling admins to see the list of users and merchants using the application as well as restricting them from specific features and services.

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    Transaction Management

    Enabling to handle financial services as well as transactions on the platform.

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    Revenue Management

    Allowing the admin team to manage revenue in-flow and out-flow, checking for changing trends and changes in figures.

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    Live Customer Support

    Allowing the admin team to monitor and answer user queries, requests, and complaints.

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    Complete Data Control

    Granting the admin team control to review accessible user and merchant data.

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    Reporting

    Offering advanced analytics and reporting to help improve the platform and make necessary changes.

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    Security Management

    Managing the security measures and introducing new methods of leveling up the security.

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    Bank Management

    Allowing the admin team to collaborate, remove, or modify the terms of service by their banking partners.

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    Auto-Backups

    Backing up all important data at pre-set intervals of time.

  • Advanced Features

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    • Geo-Location

      Finding nearby utility service providers.

    • Third-Party Integration

      Allowing users to make instant payments without switching to the mobile payment app.

    • Voice Recognition

      Integrating voice recognition functionality for greater user interaction and better UX.

    • Contactless (NFC) Payment

      Enabling Tap-to-Pay due to contactless NFC payment functionality.

    • Wallet Tokenization

      Converting debit and credit card information into tokens.

    • Chatbot

      Integrating chatbots into the mobile payment app to interact with users.

    • Virtual Payment Cards

      Making online payments and transfers without entering the card or CVV details at every transaction.

    • Schedule Payments

      Automating repeated payments or setting a timer on payment for a later date.

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    Geo-Location

    Finding nearby utility service providers.

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    Third-Party Integration

    Allowing users to make instant payments without switching to the mobile payment app.

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    Voice Recognition

    Integrating voice recognition functionality for greater user interaction and better UX.

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    Contactless (NFC) Payment

    Enabling Tap-to-Pay due to contactless NFC payment functionality.

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    Wallet Tokenization

    Converting debit and credit card information into tokens.

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    Chatbot

    Integrating chatbots into the mobile payment app to interact with users.

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    Virtual Payment Cards

    Making online payments and transfers without entering the card or CVV details at every transaction.

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    Schedule Payments

    Automating repeated payments or setting a timer on payment for a later date.

E-wallet types that we can develop

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    Centralized wallet

    A digital wallet that is centrally managed by a single entity or organization, typically a financial institution or a dedicated wallet service provider. Centralized wallet enhances security and support to users by sacrificing autonomy.

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    decentralized wallet (defi)

    A wallet that is decentralized for better user autonomy and privacy, enabling direct blockchain interactions and catering to varying preferences in control, security, and independence in asset management.

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    merchant wallet

    Designed for commercial or personal finance management, respectively, merchant wallets facilitate secure, efficient payment processing and financial transactions for businesses.

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    retail bank wallet

    Retail wallet offers independent individuals user-friendly interfaces and comprehensive banking services accessed through traditional banks.

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    b2b wallet

    A specialized digital wallet for business-to-business transactions that serves for optimizing financial operations, enabling efficient payment processing, invoice management, and providing secure, streamlined monetary exchanges between companies in various industries.

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    currency exchange wallet

    A multi-functional wallet catering to currency traders. It supports diverse currencies, provides real-time exchange rates, and enables seamless conversion and management of multiple currency portfolios for global financial activities.

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    prepaid card wallet

    A digital wallet linked to prepaid cards. It enables users to load funds, manage expenses, and conduct transactions easily without a traditional bank account. This wallet type is ideal for budget management and controlled spending.

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    single currency / Multicurrency wallet

    A digital wallet tailored to either focus on a single currency for simplified financial management or support multiple currencies, facilitating international transactions, diverse asset management, and cross-border financial activities.

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    Cryptocurrency wallet

    Specifically designed for managing digital currencies, this wallet supports exchange and trading of various cryptocurrencies. It ensures secure storage, transfer, and reception of digital assets and is packed with features like encryption, key management, and backup for robust security.

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    open wallet

    A wallet that either integrates widely with various external systems and services (open) for flexibility and convenience. It can work with most of companies accepting broad-range payments.

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    closed wallet

    A wallet that operates within specific, controlled ecosystems (closed). It allows users to store and spend money only with the issuing company, such as for pre-loading funds for future purchases, refunds, or rewards.

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    semiclosed wallet

    A semi-closed wallet is an e-wallet that allows users to conduct transactions with multiple merchants within a specific network. While these wallets do not permit cash withdrawals or redemption, they enable users to buy goods and services, pay bills, and perform other financial operations with any retailer or service provider that accepts the wallet.

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    mobile wallet

    A type of e-wallet that allows users to store payment information on their mobile devices. Used primarily for mobile payments, these wallets can store credit card numbers, loyalty cards, and even coupons.

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    desktop wallet

    A desktop wallet is an e-wallet application designed to be installed and used on a desktop or laptop computer. They are wallets are preferred by users who seek enhanced control and security for their digital transactions and often cater to those who manage larger amounts or diverse types of digital assets.

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    cross-platform wallet

    A wallet that offer versatility by being accessible on various devices and operating systems. It provides a seamless experience for managing transactions and accessing financial information, whether on a phone, tablet, or computer, catering to users who use multiple devices.

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Custom E-Wallet Development: Coined by You, Powered by Us

Our team

Why You should develop
e-wallet app with DashDevs

  • End-to-end approach

    We deliver a complete suite of custom fintech development services. We cover everything from ideation and market research to testing, deployment and maintenance. DashDevs is a one-stop shop for your custom e-wallet project.

  • Agile management

    By sticking to the tried-and-true principles of Agile software development, we can make sure that high-quality technical services are delivered on time. We make it easier to get in touch with us and reach your business goals associated with ewallet project.

  • Customer-oriented process

    DashDevs is a flexible company that has a transparent, understandable, and customer-focused development process. We conduct monthly meetings to review the project’s progress and provide detailed reports. We communicate with you in your proffered manner.

  • Proven Fintech expertise

    DashDevs has been on the market for over 14 years. We delivered more than 500 projects and helped hundreds of customers experience 2x average revenue growth. We offer best-in-class technical help, execution by experts, quick delivery, and ongoing support.

steps in OUR e-wallet DEVELOPMENT PROCESS

  • Discovery phase

    In this stage, we evaluate the e-wallet app project’s general ideas, scope, terms, and competitiveness to lay the groundwork for success.

    • idea validation

      Before diving into the development, we critically assess the feasibility and potential of your particular e wallet payment app idea. Through market research, competitor analysis, and user persona creation, we ensure that your concept stands a solid chance in the fintech industry.

    • Gather requirements

      We work closely with you to define and document the specific functionalities, features, and user interactions required for your walletapp product. This comprehensive understanding of your needs sets the stage for a successful ewallet app development process.

    • Wireframing

      Our design team starts creating wireframes — the blueprints of your e-wallet app. This visual representation of the user interface includes the placement of elements and navigational flow, serving as a foundational step for the further design and development stages.

    • Infrastructure Architecture

      Next, we design the infrastructure architecture of your e-wallet, ensuring that the backend systems, databases, and server configurations are robust and scalable. This preparation is crucial for supporting the anticipated user load and ensuring reliable performance.

    • Estimation

      We provide you with a detailed estimation of the development timeline and costs. This transparent approach ensures that you have a comprehensive view of the resources required for your fintech ewallet project.

  • Development phase

    The main stage of digital wallet app development: Our team diligently crafts your product, meeting your unique requirements with the chosen technology stack for optimal results.

    • MVP Building

      Adhering to Agile methodologies, the development process will be iterative, allowing for continuous feedback, tweaks, and improvements. Our focus will not just be on functionality but also on creating a seamless, intuitive user experience.

    • PoC Development

      Proof of Concept (PoC) is developed to validate specific aspects of the e-wallet product, reducing risks and ensuring technical feasibility. This smaller-scale development helps confirm that the chosen approach and technologies will effectively meet your requirements.

  • Delivery phase

    At the final stage of mobile wallet development we test the product, deploy it to the production environment, and provide ongoing support and maintanance.

    • Testing process

      Quality assurance is paramount, and through a thorough testing process, we ensure that every aspect of your e-wallet product functions as intended. We conduct all steps, from unit tests to user acceptance testing, to identify and fix any issues, guaranteeing a smooth end product.

    • Continuous maintenance

      Post-launch, we remain committed to your ewallet product’s success. Our continuous maintenance services ensure that your digital wallet application is always up-to-date, secure, and performing optimally, adapting to user feedback and evolving market demands.

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e-wallet development
tech stack

  • mobile

    • swift

      Swift

    • java

      Java

    • typescript

      TypeScript

    • apple

      Objective-c

    • kotlin

      Kotlin

    • c-plus-plus

      C++

    • dart

      Dart

  • back-end

    • net-core

      .Net & .Net Core

    • python

      Python

    • ruby

      Ruby

    • php

      PHP 5-7

    • go

      Go

    • java

      Java

    • js

      Node.js

  • front-end

    • react

      React

    • angular

      Angular

    • vue

      Vue.js

  • devops

    • kubernetes

      Kubernetes

    • docker

      Docker

Faq

  • What Is E-Wallet?

    An e-wallet, or electronic wallet, is a digital system that securely stores users’ payment information and passwords for numerous payment methods and websites. By using an e-wallet, users can complete purchases easily and quickly via Near-Field Communication (NFC) technology or make online money transactions and money exchanges
  • What Is A Wallet App?

    A wallet app is a mobile or desktop application that allows individuals to add digital versions of their credit and debit cards in order to manage and spend funds, perform bank transfers, and access other financial services, all within a secure and user-friendly interface.
  • How to Choose an E-Wallet App Development Company?

    There is a list of most important things to keep in mind when you are selecting an ewallet development partner, so you can make an informed choice. Ideally, you provider:
    • Has sufficient skills, expertise, and many years of experience.
    • Has credentials and work samples.
    • Meets budget for e-wallet app development.
    • Communicates in the way convenient to you.
    • Puts the customer first.
  • What Is An E-Wallet Account?

    An e-wallet account is an online service or a software program. It allows a user to store and manage electronic currencies, personal identification documents, and payment card information. It simplifies various banking and commercial transactions, ensuring quick and secure processing.
  • What Is Wallet App Used for?

    Wallet apps are primarily used for facilitating digital payments, tracking transactions, managing finances, and storing digital versions of traditional payment cards. They offer the convenience of cashless transactions, often with enhanced security features like encryption and biometric verification.
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