Installment Mart

Flexible purchasing with transparent, responsible financing.

Overview

Installment Mart enables installment‑based shopping with clear plans and automated collections. Vendors gain a compliant marketplace; customers get affordability and choice.

Key Features

  • Product catalog with eligibility rules and installment calculators.
  • KYC, credit checks (configurable), and risk flags.
  • Plan management, auto reminders, and dunning workflows.
  • Secure payments, settlements, and ledger view.
  • Dispute center, returns, and support inbox.
  • Vendor portal for inventory, pricing, and fulfillment.

Modules

  • Storefront
  • Vendor Portal
  • Finance Engine
  • KYC/Risk
  • Customer Support
  • Reporting

Technology Stack

laravel
mysql-icon
agora
aws
cloudwatch
html
css
docker
dropbox
firebase
Flutter
google-map
SMPTP
twilio
S3

Payment Gateway

Strip
paypal
credit-debit-card
Backend (Laravel, PHP 8.x)
  • Laravel 10/11
  • Eloquent ORM
  • Queues & Workers (Redis/Horizon)
  • Events/Jobs
  • Policies & Gates (RBAC)
  • API Resources / Transformers
  • Auth via Sanctum / Passport
  • Caching (Redis) 
  • Storage (S3/MinIO) 
  • Scheduler/Crons 
  • Mail & Notifications
  • Rate limiting & throttling
Databases & Data Layer
  • MySQL 8 / PostgreSQL 14+
  • Redis for cache/queues
  • Optional: MongoDB for logs/feeds
  • Search with
    Elastic/OpenSearch (where required
  • Database migrations & seeders
  • Read replicas and connection
    pooling on scale
Mobile (Flutter, Dart 3.x)
  • Single codebase for iOS/Android
  • Material 3 & responsive layouts
  • Offline‑first flows with local persistence
  • Push notifications (FCM/APNs)
  • Deep linking & universal links
  • Flutter Web/Desktop targets when needed
Web Front Ends
  • Blade + Tailwind
  • Inertia/Vue/React when SPA is warranted
  • Vite‑powered builds
  • SSR & SEO‑ready routing
  • Form requests & validation guards
DevOps & Infrastructure
  • Dockerized services
  • CI/CD (GitHub Actions/GitLab)
  • Environments: Dev/Stage/Prod
  • IaC (Terraform/
    Ansible where applicable)
  • Nginx/Load balancers
  • Auto‑scaling on AWS/Linode/DigitalOcean
  • CDN &
    object storage
  • Automated backups & restores
  • Blue/green & canary releases
Observability
  • Centralized logs (ELK/CloudWatch)
  • Error tracking (Sentry/Bugsnag)
  • Metrics (Prometheus/Grafana)
  • Uptime & synthetic monitoring 
  • Runbooks & alerting on SLOs
Security & Compliance
  • OWASP ASVS aligned
  • CSRF/XSS/SQLi defenses
  • Encryption in transit/at rest
  • Secrets management &
    rotation
  • Principle of least privilege (IAM)
  • Audit trails & immutable logs
  • GDPR‑aware data handling &
    DPA support
  • IP allowlists and device trust for admin
Payments & Commerce
  • Gateway‑agnostic layer with adapters for Stripe/Checkout / Paymob/Paystack / Bank Alfalah (and others)
  • 3‑D Secure & SCA support where available
  • Refunds, disputes, settlements, payouts
  • Tax/VAT engines and
    invoicing
Communications & Maps
  • SMS/Voice (Twilio/others)
  • Email (SES/SendGrid)
  • Push (Firebase/OneSignal)
  • Maps & routing (Google
    Maps Platform/Mapbox)
  • Distance matrix, geofencing, and place search
Testing & Quality
  • PHPUnit/Pest feature & API tests
  • Static analysis & code style gates
  • lutter widget/golden/integration
    tests
  • Staging/UAT checklists
  • Load testing for critical paths
Localization & Accessibility
  • i18n (Laravel Lang/Flutter intl)
  • RTL support
  • WCAG‑aware components
  • Date/number/currency
    localization

Delivery & Engagement

Discovery → Design → Delivery → Growth
– Discovery workshops, domain mapping, and risk profiling.
– UX flows, prototypes, and design systems before code.
– Agile sprints with transparent burndown and demos.
– Weekly/bi‑weekly releases with feature flags and kill‑switches.
– Data migration playbooks and cutover plans for go‑live.
– Post‑launch growth loops: analytics, A/B tests, and roadmap grooming.

Security & Data Governance

Threat modeling and secure‑by‑default coding practices.
PII scoping, data minimization, and retention policies.
Backups, RTO/RPO targets, and disaster recovery tests.
Access reviews, audit exports, and anomaly alerts.

Support & SLAs

Tiered support (L1/L2/L3) with defined response/resolution targets.
Incident management (on‑call rotations, status pages, PIRs).
Managed hosting & monitoring options.
Training sessions and admin handbooks.

Extensibility & Integrations

API‑first (REST/JSON) with versioning and webhooks.
Partner portals and SDKs where applicable.
Integrations for payments, KYC/IDV, telco, maps, CRM/ERP, accounting, and messaging.
Plugin/module architecture to add features without core rewrites.