BP PULSE - PRE-AUTHORISATION PAYMENT INTEGRATION
Led a multi-market pre-auth payment system to eliminate fraud and protect revenue at scale.
Impact
- →Eliminated fraudulent activity around payments
- →Scaled to ~100k monthly active users
Stack
The Challenge
Pre-authorization wasn’t a simple payment add-on -it required integrating with an existing wallet system operating across multiple geographies, each with different charge timing and settlement behaviors. We also had to account for failed or interrupted charging sessions to avoid holding user funds unnecessarily. On top of that, major differences between pre-production and production payment gateways made validating real payment flows risky without impacting live users.
The Solution
We designed a flexible pre-auth architecture that dynamically adapted to regional charge flows and variable settlement timings. The system safely held funds when needed and automatically released them if sessions failed -protecting both revenue and user trust. To de-risk payments validation, we implemented a controlled production testing strategy that allowed real-world gateway testing while fully isolating live users.
The Outcome
Eliminated pre-payment fraud as a leading cause of outstanding balances, with the feature now live across UK, Germany and Spain serving ~100k users