Outmatic
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Real context first, then the right technology, not the other way around.
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BKN301 needed a proprietary payment platform built from scratch: international networks, local banking systems, and digital channels in a single infrastructure. Outmatic led the project from architecture to production, then coached the internal team to full autonomy.
Alessandro
Engagement: End-to-End Solutions, then Staff AIgmentation™
Team: 1 Solution Architect, 1 Delivery Manager, 4 Developers
BKN301 needed a proprietary payment platform. Not a white-label reskin, not a wrapper around an existing gateway: a platform built from scratch, capable of integrating international payment networks, local banking systems, and digital channels into a single infrastructure.
The business case was clear: omnichannel payment management, better conversion rates, and a merchant experience that could compete with established players. The technical reality was equally clear: there was nothing to start from. No legacy system to migrate, no existing architecture to extend. Just a roadmap, a regulatory framework, and a deadline.
Building a fintech product from zero means tackling three layers of complexity at once: technology, regulation, and market positioning.
The platform needed to be:
On top of that: multiple stakeholders with different priorities, an ambitious timeline, and no pre-existing technical foundation to build on.
We started where complex projects should start: understanding the problem before writing any code.
Discovery and architecture. The first phase was strategic analysis: collecting business requirements, mapping competitor payment orchestration models, identifying gaps, and designing the reference architecture. We planned the roadmap, broke it into epics, and built the technical backlog before the first sprint started.
Development. The build ran on Agile sprints: analysis, design, and development in tight cycles with the BKN301 team. Not Agile as a label; Agile as a working method. Priorities shifted as we learned more about the domain, and the process absorbed those shifts without losing momentum.
Coaching. This wasn’t a handover engagement. We worked alongside BKN301’s internal team from the start, running training sessions and providing continuous technical support. The goal was always their autonomy, not our indispensability.
Quality. Automated test suites and continuous QA ran throughout the project. Stability and reliability were design constraints, not afterthoughts.
The tech stack was chosen for the problem, not for trends:
The platform itself:
The numbers tell part of the story:
The architecture tells the rest: modular enough to add new payment networks and modules without operational impact. And BKN301's team adopted Agile practices and gained the technical skills to own the platform independently. That was the plan from the start.
301pay is now a production platform handling omnichannel payments for businesses and merchants across San Marino and the EU — 100k transactions on a normal week, four times that when the market demands it. Complete, adaptable, and built to grow.
Early involvement in strategy reduces risk downstream.
Working with BKN301 from the analysis phase, not just the build phase, meant we could validate technical decisions against business reality in real time. Architecture choices that might have become expensive mistakes were caught and corrected early, because the people building the system understood what it needed to do, not just how it needed to work.
The combination of modern architecture, disciplined Agile process, and hands-on coaching created a model we’ve since applied to other complex builds. Not because it’s a framework we sell, but because it worked.
“With 301pay, we transformed an idea into a concrete and scalable fintech platform. The Outmatic team supported us at every stage, from initial vision to delivery, building a competitive product with us on an international level.”
— Head of Product, BKN301
