Cardless

Services

Product Requirements
Android App Development
iOS App Refactoring
App Maintenance & Support

Industry

Fintech

Platform

Android
iOS

Location

San Francisco, USA

Team size

7 people

Cardless is a San Francisco fintech company that runs credit card programs for brands and their most loyal fans. Cardless handles program creation, underwriting, lending, card issuance, and customer service. The brand partner focuses on one job: offering rewards its cardholders actually want.

Cardless came to Uptech with a tight deadline for its Android app. Uptech defined the product requirements, built the app, and released it in 3 months. After the launch, the client asked the team to stay on and maintain both the Android and iOS apps, which included refactoring the existing iOS codebase.

Android

Kotlin
Coroutines, Flow
MVVM
Clean Architecture
Android Jetpack: Navigation, Room, DataStore, WorkManager, Biometric
Dagger 2
Retrofit, OkHttp, Moshi
Epoxy, Material Components, View Binding
Glide, Coil
Plaid Link SDK
Google Pay
Firebase
Segment, Branch, Iterable
Sentry
JUnit, MockK
Fastlane, Firebase App Distribution

iOS

Swift
SwiftUI, UIKit
RxSwift, Combine
MVVM, Redux
XCTest, SnapshotTesting
Sentry
Plaid Link SDK

"This was a great experience. Uptech is extremely professional and self-sufficient. The team quickly gained context on our business, and was able to deliver on time."

Ian Jones

Founding Engineer & Product Manager, Cardless

ANDROID RELEASE ON A TIGHT DEADLINE

Cardless needed its Android app live on a tight timeline and within the agreed budget. Any time lost in planning would come straight out of development.

Solution

The team wrote the product requirements early and aligned them with the client quickly, so developers could start building almost right away. The Android app shipped in 3 months.

‍

SECURE BIOMETRIC LOGIN ON ANDROID

Biometric login is fairly simple to add on iOS. On Android it is far more complex, and the face recognition option came with security issues.

Solution

The team compared face recognition with its security trade-offs against fingerprint authentication that met the app’s security bar. Uptech chose fingerprint, so Android users sign in quickly and safely.

‍

NONLINEAR FEATURE FLOWS

Several flows in the app had no fixed order of screens. The next step depended on what the user did and on configuration coming from the server.

Solution

The team designed and built dynamic flow logic that decides the next step at runtime, based on the user’s actions and the server configs.

‍

REFACTORING THE EXISTING IOS APP

After the Android release, Cardless asked Uptech to maintain both apps. The iOS app was already live, and a code review showed its architecture and logic needed work.

Solution

The team refactored the iOS architecture and app logic to fix bugs and remove delays. iOS users got a faster, more stable app as a result.

Main features

CARD MANAGEMENT DASHBOARD

The home screen shows the card balance, available credit, payment status, and autopay at a glance. Recent transactions sit right below, and account alerts, such as a frozen account notice, appear at the top so cardholders see them first.

LOYALTY CARDS IN ONE APP

Cardholders keep the cards of all participating brands in one app. The side menu lists each brand card with its own balance, and switching between them takes one tap. Profile, settings, payment methods, and help sit in the same menu.

REWARDS AND POINTS REDEMPTION

The rewards tab shows the points balance, reward goals, and recent points activity. From there, cardholders redeem points for statement credits, gift cards, or special offers, and check what they have earned and which card benefits apply.

BRAND OFFERS AND COUPONS

Brands use the app to reward their fans with experiences, merchandise, and exclusive offers. This is the part of the program the brand owns: Cardless runs the card itself, and the partner decides what makes the rewards worth having.

BIOMETRIC LOGIN

Cardholders open the app with a fingerprint on Android or Face ID on iOS, without typing a password each time. On Android, the team chose fingerprint over face recognition to keep account access secure without slowing users down.

Results

Android app in 3 months
The Android app went from product requirements to release in 3 months.

Full feature scope delivered
Every feature planned for the release was implemented and shipped.

★ 4.5 rating on Google Play
The Android app built by Uptech holds a 4.5 rating on Google Play.

★ 4.2 rating on the App Store
The iOS app, refactored and maintained by Uptech, holds a 4.2 rating.

1+ year of cooperation
After the Android launch, Uptech stayed on to maintain both mobile apps.

$50M in total funding
Cardless has raised $50M in total funding to date.

Made with ❤️💳 at Uptech

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Technologies
used