Enabling Cash, Points, and Payments in One Checkout Journey

A leading digital commerce enterprise wanted customers to use cash, loyalty points, and digital wallets in 1 seamless checkout flow instead of jumping between separate options. Aziro engineered a hybrid transaction engine that unified multiple tender types under a single orchestration layer, simplifying settlement, improving ledger accuracy, and unlocking higher wallet share across channels.

As digital payment choices expanded, operational complexity grew in parallel. Loyalty, wallet, and cash channels each had their own rules, ledgers, and reconciliation flows. By rethinking the architecture around a unified payment brain, the client turned payment flexibility into a conversion advantage instead of a source of friction.

Multiple disconnected payment systems were constraining growth and making every checkout journey more complex than it needed to be. Separate loyalty and wallet stacks meant more integration effort, more reconciliation error, and more user drop off when switching between funding options.

• Separate payment systems: Loyalty and wallet payments ran in silos with isolated ledgers and business rules. Every new offer or campaign required custom work across systems, slowing experimentation and increasing maintenance effort.
• Complex reconciliation: Settlement workflows had to stitch together data from cash, card, wallet, and loyalty systems. This created reconciliation delays, manual adjustments, and higher dispute handling cost, especially at scale.
• Inconsistent user flow: Customers had to make separate choices for points, wallet, and cash, often moving through multiple screens. This fragmented experience led to higher cart abandonment and lower repeat engagement, particularly on mobile.

Aziro designed and delivered a secure, full stack payment orchestration layer that treated cash, loyalty points, and digital wallets as flexible funding sources within 1 unified flow. The solution brought together backend processing, experience design, and reconciliation automation into a cohesive architecture built for scale and audit grade accuracy.

The core of the solution was a hybrid transaction engine that sat between channels and downstream processors. It evaluated customer balances in real time, applied business rules, allocated funding across tender types, and wrote back to ledgers with strict consistency guarantees.

• Unified orchestration API: A single orchestration engine processed hybrid payments in real time across web, app, and in store journeys. Channels invoked 1 API that handled tender selection, validation, fraud checks, and transaction routing, reducing integration effort and ensuring consistent behavior.
• Dynamic split pay logic: Configurable funding rules controlled how much of a transaction was covered by points, wallets, and cash. The engine supported scenarios such as points first, minimum cash contribution, or campaign based boosts, so product teams could launch and iterate payment experiences without deep code changes.
• Real time ledger sync and reconciliation: All tender movements were written to a centralized transaction log and synchronized back to loyalty, wallet, and core payment ledgers in real time. Automated reconciliation jobs compared records, flagged mismatches, and produced settlement ready reports for finance and operations teams.

• API first payment orchestration layer integrating cash, card, wallet, and loyalty systems
• Rules driven split payment engine for real time tender allocation and offer application
• Central transaction log and reconciliation services for finance ready settlement reporting
• Responsive web and mobile checkout components with reusable SDKs for rapid adoption
• Monitoring, logging, and alerting for payment flows, error patterns, and latency tracking

The unified payment architecture created a single, flexible checkout journey that users could trust and operations teams could scale. Payment choice became an advantage instead of a source of confusion or cost.

1. 40% increase in wallet share within 6 months as more customers adopted hybrid payments combining cash, points, and wallets in 1 flow
2. 15 to 25% uplift in repeat purchases driven by smoother, faster payment experiences and more engaging loyalty redemption at checkout
3. 30% reduction in transaction and settlement errors through automated reconciliation and real time ledger synchronization across systems
4. 2 times faster checkout completion time on key journeys, directly improving conversion rates and reducing abandonment across channels

If your organization operates at the intersection of payments, loyalty, and digital commerce, Aziro helps design and implement platforms that turn payment complexity into growth. We work with enterprises that want to combine cards, wallets, points, and alternative tenders into checkout journeys that feel simple to users and remain auditable for finance and risk teams.

By unifying orchestration, funding logic, security controls, and reconciliation into a single payment backbone, we reduce integration overhead while improving reliability and experimentation speed. The result is a future ready payment foundation that supports new tender types, new offers, and rising transaction volumes without adding operational drag.