How Rello Streamlined Payments and Boosted Business Efficiency

We partnered with Rello to build a single fintech platform that unifies payments, invoicing, and financing — so Australian businesses can move money with fewer tools, fewer steps, and fewer manual handoffs.

See how we built Rello

How Rello Streamlined Payments and Boosted Business Efficiency

Meet Rello

Rello operates as a financial platform that sits between businesses and their customers, handling payments, invoices, and financing in one place.

Instead of using separate tools to issue invoices, collect payments, and manage cash flow, businesses can operate through a single system.

This means a business can send an invoice, offer flexible payment options to its customer, and manage the transaction — without switching platforms.

The result: one place for finance teams to work, one source of truth for reconciliation, and one system that grows with the business.

Our Role

Rello came to EB Pearls to build a production-grade fintech platform from the ground up — mobile apps, web dashboard, payment gateway, invoicing engine, and embedded financing layer. We led architecture, engineering, QA, and ongoing delivery across Flutter, Node, React, and AWS.

When Payments Start Slowing Everything Down

Before Rello, many businesses were managing payments across disconnected tools.

Fragmented Payment Systems

Invoices, payments, and financial tracking were handled in separate platforms, forcing teams to manually reconcile information.

Limited Payment Options For Customers

Customers often had fewer ways to pay, which could delay transactions or require follow-ups.

Manual Admin Overhead

Teams spent time tracking invoices, checking payment status, and chasing overdue accounts.

Delayed Cash Flow

Payments didn’t always move quickly, which created gaps between delivering work and receiving funds.

We know the money is coming — but we can’t always see where it is.

In early customer interviews, the same theme came up again and again: "We know the money is coming — but we can't always see where it is." When visibility drops, decision-making slows down.

Building Around Financial Responsibility

Before building the platform, there were clear challenges to solve.

“How do we handle payments, invoices, and financing in one system?”
“How do we maintain trust in a system that manages financial transactions?”
“Can the platform scale without creating complexity for users?”

Financial systems require accuracy, reliability, and clear visibility at every step.

The goal wasn’t just to build features — it was to create a system businesses could rely on daily.

Make Every Step Clear

Instead of adding more tools, the focus shifted to reducing the number of steps between sending an invoice and receiving payment.

The system was designed to show users exactly what was happening at each stage of a transaction.

Built Around Real Business Flow

The platform was designed to reflect how businesses actually operate — sending invoices, receiving payments, and managing cash flow in a continuous loop.

Centralised Payment Gateway

All transactions are processed through one system, giving businesses a single place to manage payments.

Invoice Creation and Tracking

Invoices can be created, sent, and monitored within the platform.

Flexible Customer Payments

Customers are given more options at checkout, helping reduce delays in payment completion.

Embedded Financial Services

Invoice and supplier financing options are available directly within the system.

Partner Integration Layer

Businesses can connect with partners and external systems without rebuilding workflows.

Real-Time Support Tools

Built-in support helps manage payment queries and customer communication as transactions happen.

Keeping Payments Simple Without Losing Control

01 Unified payment and finance workflows Payments, invoicing, and financing were brought into one system, rather than split across tools.

02 Compliance and reliability built in Financial safeguards and processing requirements were handled within the system architecture.

03 Continuous transaction visibility Businesses could track payments as they moved through each stage.

04 Simplified user experience Even with complex financial processes running underneath, users interacted with a clear and guided interface.

Three principles that built trust

The focus was on designing around real behaviour — not idealised user journeys.

Practical system design

The platform reflects how businesses actually handle payments day to day.

Clear user journeys

Each step in the payment process is structured and easy to follow.

Scalable architecture

The system supports growth without requiring major changes to how it operates.

The before and after, in numbers

The shift wasn’t just about processing payments — it was about making them move more consistently through the system.

Metric	Before	After · EB Pearls
Transaction Volume	Pre-launch baseline	+38%after platform consolidation
Payment Delays	Frequent follow-ups required	-32%Fewer delayed payments
Manual reconciliation time	Hours per week across tools	Consolidated into a single workflow
Systems used to run payments	3+ disconnected tools	1 Unified platform

5.0

What impressed us most was that the support did not stop at launch. When issues came up, they were responsive, clear, and easy to work with. It felt like we had a partner behind the product, not a team that disappeared after the initial job was done.

Fidaa Haddad, —Founder, Rello Pay

Payments That Keep Moving

Before

“Payments felt slow and required too many manual steps.”

After

“Everything is in one place, and payments move through faster.”

Businesses no longer needed to manage payments across multiple tools.

Transactions moved through a single system, reducing delays and improving visibility at every step.

With the core platform in place, Rello can expand into more advanced financial services.

This includes deeper automation, enhanced reporting, and more flexible payment structures for businesses of different sizes.

Payments, simplified.

Now businesses can move from sending invoices to receiving funds without losing visibility along the way.

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