Enigmatix Global
HomeFinancial servicesCase study · P-003
Financial services · Payments platform

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.

Selected clients · 2010 – today
Power to LiveRBM GlobalDragonflySquiblerMOOSainsbury'sMPCX-LinkPower to LiveRBM GlobalDragonflySquiblerMOOSainsbury'sMPCX-LinkPower to LiveRBM GlobalDragonflySquiblerMOOSainsbury'sMPCX-Link
/01
The problem

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.

/02
The plan

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 Stripe Connect for card acceptance, plus BPAY and PayID rails for the Australian-specific flows customers expect.

Layered automatic GST tagging and Xero/MYOB exports so accountants can reconcile without manual re-keying.

/03
The result

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.

Measured outcomes

What the numbers said.

Every engagement ships with a named set of measurable outcomes. These are the numbers that mattered for this one.

4
Tools replaced per merchant
<5 min
Merchant onboarding
98%
Auto-reconciliation rate
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Engineering stack

What it was built with.

The exact tools in the delivered system. We pick the stack to fit the problem and the team, not the trend cycle.

/01Flutter
/02Flask
/03PostgreSQL
/04Redis
/05Stripe Connect
/06AWS
Trusted by our clients

What partners
tell us.

Most clients renew for a second engagement. The ones who don't usually hire someone from our team to run the project in-house.

We are a mental health charity and not tech minded. We needed to improve our patient registration system but wanted a company that we can relate to. Hassan took the time to meet with me and patiently went through our process to find a personalised solution for us. Hassan's team did a great job streamlining our process and connected our registration system to our patient management software. Whenever we have a glitch, they resolve this quickly. Cloudini provides a personal and efficient service and we have adopted them to be our IT provider.
Tien Kuei, CEO at Power to Live Foundation
Tien Kuei
CEO · Power to Live Foundation
I am writing to wholeheartedly recommend Cloudini as a premier bespoke software development agency. Our journey with them has been nothing short of exemplary, far exceeding our initial expectations. While many agencies can develop based on strict specifications, Cloudini demonstrated an incredible commitment to our project that was truly unparalleled.
Robert McPherson, Managing Director at RBM Global Ltd
Robert McPherson
Managing Director · RBM Global Ltd
Dragonfly has been working with the team at Cloudini for several years now on building out our web-based platform and APIs. One 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. Cloudini has been instrumental in bringing our ideas to life and providing guidance to help us make the best technical decisions. I would recommend getting in touch with them if you're looking for support.
Rebecca Palser, COO at Dragonfly
Rebecca Palser
COO · Dragonfly
Frequently asked

Common questions, answered.

  • We've been building software since 2010. Sixteen years of delivery across finance, healthcare, retail, logistics, energy, the public sector, and beyond. We're a consultancy, not a body-shop, and we've kept the same engineering discipline across every engagement shape.

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