Paylink: connected commerce for Australian SMBs.
An Australian payments platform that unifies bills, invoicing, accounts and card acceptance into one mobile-first experience, positioned as a local alternative to global processors.
The challenge.
- Australian small businesses juggle a patchwork of tools for invoicing, receiving payments, reconciling to BAS and paying bills, each with its own fees, logins and export quirks.
- Existing local alternatives felt dated, while global processors did not handle BPAY, PayID or ATO reporting cleanly.
- The founders wanted a single mobile-first app where a café owner could raise an invoice, accept a tap-to-pay card, pay a supplier and see their position, without switching screens.
Our approach.
- Designed a unified ledger in PostgreSQL that treats invoices, bills, transfers and card payments as entries against the same merchant account.
- Built the mobile experience in Flutter with a Flask backend, so iOS and Android ship from one codebase with native performance.
- Integrated card-acceptance rails plus BPAY and PayID for the Australian-specific flows customers expect.
- Layered automatic GST tagging and Xero/MYOB exports so accountants can reconcile without manual re-keying.
The outcome.
- SMBs get paid, pay bills and reconcile from one app instead of four tools.
- Onboarding went from days of paperwork to minutes with KYC and bank linking in-app.
- Local rails (BPAY, PayID, BAS categorisation) make the platform feel native rather than a retrofitted US product.
Related financial services work.
FinanceWealthwise: Web3 platform.
A web app for on-chain finance, built with React, Django, Node.js, Express, PostgreSQL and Web3. Wallet connection, contract calls and transaction state are wrapped in an interface that non-crypto users can operate with confidence.
React · Django · Node.js · Express
FinanceNexora: Investment platform.
A web app for investing & markets, built with React, Django, Django REST Framework and PostgreSQL. Watchlists, holdings and research sit behind one login, tuned to stay responsive when the market is open and traffic peaks.
React · Django · Django REST Framework · PostgreSQL
FinanceHydroca: Fintech platform.
A web app for payments & finance, built with React. Accounts, invoices and settlements reconcile against one ledger, so every balance can be explained and audited.
React
Where AI fits in financial services.
Retrieval over policies, filings and statements, assistants for analysts and operations teams, and document checks that leave an audit trail a regulator can follow.
Explore AI developmentOne of their strengths is quickly building out a multi-disciplinary team to work on the development and delivery of features with different technical requirements. Their support has allowed us to accelerate our development work without building an internal team. They have also worked seamlessly with other third parties both during the acquisition of Dragonfly and development of our mobile app.
Questions about this build.
Still wondering something? Ask an engineer
Card acceptance for tap-to-pay and online payments, plus Australian-specific BPAY and PayID rails so merchants get paid the way local customers and suppliers expect.
A Flutter mobile app on iOS and Android, a Flask backend, a PostgreSQL ledger and AWS infrastructure with Docker-based deployment.
Transactions are auto-tagged with GST categories and exported to Xero or MYOB, so accountants reconcile to BAS without manual re-keying.
Invoicing, bill payments, card acceptance and reconciliation collapse into one mobile-first app instead of separate logins and tools.
Let's build from here.
Thirty minutes with an engineer who builds. No sales, no drip campaign. If we're the wrong fit we'll tell you and point you somewhere better.