Otávio Costa

Wallets & payments

Accrue Savings

Accrue lets merchants offer a wallet under their own brand. Customers can put money aside, earn rewards, and use their balance to make purchases. For merchants, it gives customers a reason to come back.

I built and launched the core MVP that allowed Accrue to start onboarding merchants. My work also covered the payment flow and internal ledger for our largest enterprise client, plus the widget and SDKs that merchants use to add Accrue to their websites and apps.

Visit Accrue ↗Try the product demo ↗

How the pieces fit together

Accrue's branded wallet showing a balance, a Pay button, drops and offers
Accrue's wallet product, from byaccrue.com.
Merchant websitesCheckout widget
Accrue walletFunding · Rewards · Payments
Merchant appsMobile SDKs

Technology stack

Pick a technology to see what I used it for.

What I worked on

The MVP gave merchants a product they could use. The payment work handled the financial side, while the widget and SDKs made Accrue available inside their own checkout and apps.

Getting the first product launched

Accrue needed a working product before it could start onboarding merchants. I built and launched the core MVP that became the foundation of the product.

The company could begin onboarding merchants.

My work on the web product

I built the wallet flows in React and Next.js, plus the Node.js APIs behind them. This covered the screens customers used and the backend work those screens depended on.

Payments API & ledger

For our largest enterprise client, we needed a payment flow with records we could reconcile and audit. I designed and built that flow and the internal ledger behind it.

It handles millions of dollars in monthly volume.

What I had to get right

We needed to keep track of the money moving through the system and reconcile the payments. Also, retries needed to be handled correctly, so sending the same request again would not process the payment twice.

Those requirements shaped the payment flow and ledger I built.

Putting Accrue inside checkout

Merchants needed to offer Save Now Pay Later on their own websites. I built the JavaScript widget they could embed in checkout.

Customers could use Accrue within the merchant's checkout.

How I handled code we don't control

The widget runs alongside the merchant's code. I isolated its runtime to keep that code separate from the host site.

I also used a versioned integration contract, so we could update the widget while keeping existing merchant integrations compatible.

Bringing Accrue into mobile apps

Merchants also needed the wallet in their apps. I built the React Native and native SDKs, including Apple Pay and Google Pay processing.

Merchants could offer the wallet and payments inside their apps.

What I built for mobile

I worked on the React Native SDK and the native SDKs for iOS and Android. That included the Apple Pay and Google Pay integrations, so merchants could support those payment methods in their apps.