Case study · Fintech · VTU · Mobile
iFlow
Bills payment platform for users and resellers
iFlow is a bills payment platform in Nigeria that lets users and resellers top up airtime, buy data, pay utilities and cable, fund wallets, and get instant delivery from one secure dashboard — available on web and mobile.
Business objective
Build a complete utility payment platform that serves both end users and reseller agents, with tier-based KYC, wallet funding, and instant service delivery across multiple bill categories.
The problem
Businesses and resellers in Nigeria need a reliable, fast platform to handle airtime, data, electricity, cable TV, and wallet operations — without slow delivery, confusing UX, or fragmented tools.
Our solution
ScalerDev designed and built iFlow as a full-stack platform — marketing site, user dashboard, wallet system, service purchase flows, tier-based KYC, agent pricing, and mobile app distribution via App Store and Google Play.
Platform features
- Wallet funding and balance management
- Airtime, data, electricity, and cable bill payments
- Tier-based KYC for account verification
- Instant delivery on transactions
- Agent and reseller pricing tiers
- Secure user dashboard
- Mobile apps for iOS and Android
- Marketing website with service overview
Technology stack
Integrations
- VTU and utility service providers
- Payment gateway for wallet funding
- KYC verification services
- Push notifications
Development challenges & solutions
Challenges
Multi-service transaction reliability
Handling airtime, data, cable, and electricity through different providers required robust error handling and instant status feedback.
Tier-based user access
Different user tiers (including virtual account access) needed clear KYC flows without blocking legitimate users.
Solutions implemented
Unified transaction engine
Built a centralized purchase flow with provider abstraction, retry logic, and real-time status updates in the dashboard.
Progressive KYC onboarding
Designed tier upgrades with clear prompts — users see exactly what each tier unlocks, like virtual accounts at Tier 1.
Outcomes
Verified outcomes based on the live platform — no fabricated statistics.
- ✓Live platform serving users and resellers at iflow.ng
- ✓Mobile apps available on App Store and Google Play
- ✓Multi-category bill payment from a single dashboard
Want to build a platform like iFlow?
We design and develop fintech, VTU, and utility payment platforms from concept to production.