Fintech: Finix Integration Case Study for Cari

CARI partnered with Ptera Technologies to implement Finix as the payment infrastructure provider for its platform.

The integration needed to support two core financial flows: companies repaying loans through the platform and vendors receiving payments through dedicated submerchant accounts.

The goal was to create a scalable payment foundation that could support onboarding, KYB, repayment processing, vendor payouts, and transaction visibility within one connected ecosystem.

Integration Objective

Finix was introduced to support complex multi-party payment orchestration across CARI’s platform.

• Vendor submerchant account creation
• KYB onboarding workflows
• Loan repayment processing
• Vendor payment and payout flows
• Platform-level visibility across repayment and payout activity

This was not a simple payment gateway integration. It required payment infrastructure that could support multiple roles, regulated onboarding, and fund movement across companies, vendors, and the platform.

Ptera’s Role

Ptera led the technical implementation and delivery coordination for the Finix integration.

Ptera’s work included:

• Designing the payment architecture across repayment and payout flows
• Integrating Finix into the CARI platform
• Implementing vendor onboarding and KYB workflows
• Building the logic for fund movement between companies, vendors, and the platform
• Supporting submerchant account creation for vendors
• Coordinating with CARI stakeholders and Finix teams
• Aligning product, compliance, and engineering requirements
• Reducing blockers during implementation
• Supporting testing, validation, and rollout readiness

Ptera acted as the implementation partner connecting business requirements, third-party infrastructure, API integration, compliance workflows, and operational delivery.

Implementation Approach

The integration was delivered around the platform’s core financial workflows.

Ptera connected Finix into the platform to support vendor onboarding, merchant account creation, repayment processing, and payout activity.

The work required coordination across:

• Finix API requirements
• CARI platform logic
• KYB and compliance workflows
• Transaction flow design
• Vendor account setup
• Repayment and payout visibility
• Testing and implementation support

Ptera managed the integration as a fintech infrastructure implementation, not just a feature build.

Outcome

CARI launched with a payment foundation aligned to its business model.

The platform gained:

• Dedicated vendor submerchant accounts
• Structured KYB onboarding
• Loan repayment processing
• Vendor payout capabilities
• Clearer transaction visibility
• Better control over repayment and payout activity
• A scalable foundation for future transaction growth

The integration gave CARI the infrastructure needed to manage multi-party payments more efficiently and support future platform expansion.