Eco Ride Case Study: Payment automation

At a glance

100%Automated Reconciliation

95%Faster Driver Payouts

ZEROManual Invoicing

120+Hours Saved / Month

The challenge

What Eco Ride needed to fix

Eco Ride partnered with Shyphan to deliver one hands-off payment engine. Eco Ride was growing fast, but every ride still meant manual work behind the scenes - matching payments, calculating payouts and issuing invoices by hand.

Eco Ride was growing fast, but every ride still meant manual work behind the scenes - matching payments, calculating payouts and issuing invoices by hand.

Manual ReconciliationFinance matched thousands of rides to gateway payments in spreadsheets every day.
Delayed Driver PayoutsPayouts were calculated by hand, so drivers waited and disputes were common.
No Automated InvoicingZATCA-compliant invoices were created manually, one trip at a time.
Fragmented Payment DataCard, wallet and cash data lived across the app, gateways and separate sheets.
Failed & Pending PaymentsFailed and pending charges slipped through with no automatic retry or follow-up.
No Real-Time Revenue ViewLeadership had no live picture of revenue, commissions or driver liabilities.

Hands using a smartphone app beside a laptop. Photo credit

Before and after

What changed for the team

BeforeAfter

Finance matched thousands of rides to gateway payments in spreadsheets daily

Rides matched to gateway settlements automatically every day, with mismatches flagged

Driver payouts were calculated by hand, causing delays and disputes

Commission rules calculate payouts automatically and settlements run on schedule

ZATCA-compliant invoices were created manually, one trip at a time

Every trip gets a ZATCA-compliant e-invoice with no manual effort

Failed and pending charges slipped through without retry or follow-up

Failed and pending charges are retried and followed up automatically

How it works

The business process, step by step

01
Ride fare
When a ride ends, the fare is captured automatically from the Eco Ride app and written to the trip ledger, so every trip has a record before any payment or payout is processed.
02
Payment gateway
Card, wallet and cash payments flow through one API layer from the SAMA-regulated gateway. Card data never touches Shyphan-built systems, and failed or pending charges are retried and followed up automatically.
03
Driver payout
Commission and fare rules calculate each driver's payout automatically, and settlements run on a schedule with set limits, so drivers are paid accurately and on time without manual calculation.
04
Invoice
A ZATCA-compliant e-invoice is generated and cleared automatically for every trip and issued to the rider or corporate account, replacing invoices that finance used to create by hand.
05
Reconciliation
Each day, rides are matched against gateway settlements automatically. Mismatches, refunds and chargebacks are flagged to an exception queue for the finance team, and every transaction keeps a full audit trail.
06
Finance dashboard
The finance team reviews a live dashboard and a daily summary of revenue, commission and driver payouts, which also gives leadership a real-time picture of driver liabilities.

The solution

What we built for Eco Ride

Shyphan built an automated payment processing system that connects Eco Ride’s app and payment gateways to finance, so fares, payouts, invoices and reconciliation all run on their own.

Payment Automation Engine

Payment gateway integration for card, wallet and cash
Automatic fare capture the moment a ride ends
Smart retry and follow-up on failed or pending charges
Automatic driver-payout calculation with commission rules
Scheduled, automated driver settlements

Invoicing & Reconciliation

Automatic ZATCA-compliant e-invoice for every trip
Daily auto-reconciliation of rides against gateway settlements
Exception flags for mismatches, refunds and chargebacks
Live dashboards for revenue, commission and payouts
Full audit trail on every transaction

Scope delivered

Fare capture and trip ledger integration
Payment gateway integration with tokenised cards
Automated driver payouts with schedules and limits
Rider and corporate invoicing
Automatic reconciliation of fares, fees and payouts
Exception queue for failed payments
Finance dashboard and daily summary
Runbooks and finance team training

Who uses it

Finance team

Work the exception queue for mismatches, refunds and chargebacks, and review the daily reconciliation summary.

Drivers

Receive scheduled settlements that are calculated automatically from the fare and commission rules.

Riders and corporate accounts

Pay by card, wallet or cash and receive a ZATCA-compliant e-invoice for every trip.

Leadership

Track revenue, commission and driver payouts in real time on the finance dashboard.

Architecture

How the systems connect

InputsEco Ride appPayment gatewayGateway settlements

Delivered by ShyphanPayment automationZATCA e-invoicing

OutputsDriver settlementsZATCA e-invoicesFinance dashboard

Integrations

Payment Gateway Integration
Card, wallet and cash flows unified through one API layer.
Driver Payout Automation
Commission and fare rules calculate settlements automatically.
ZATCA E-Invoicing
Compliant e-invoice generated and cleared for every ride.
Daily Auto-Reconciliation
Rides matched to settlements with mismatches flagged automatically.

Reports and dashboards

Revenue and commission

Fares collected and commission earned, updated in real time as rides are completed.

Driver payouts

Payouts calculated and settled for each driver, along with outstanding driver liabilities.

Daily reconciliation

Rides matched to gateway settlements each day, with match accuracy and flagged mismatches.

Exception queue

Failed payments, refunds and chargebacks that are waiting for review by the finance team.

The results

What the system does now

Hands-Off PaymentsFares, payouts and invoices process automatically with no daily manual work.
Happier DriversAccurate, on-time settlements ended payout disputes and delays.
Automated E-InvoicingEvery trip gets a ZATCA-compliant invoice with no manual effort.
Live Financial VisibilityLeadership sees revenue, commission and payouts in real time.
Fewer Errors & LeaksAuto-reconciliation catches mismatches, refunds and chargebacks early.
Ready to ScaleThe engine handles more rides without adding finance headcount.

Client testimonial

Shyphan automated our entire payment process end to end. Fares are captured, drivers are paid, invoices go out and everything reconciles on its own. Our finance team went from firefighting every morning to simply reviewing a dashboard. It has been a genuine turning point for how we run Eco Ride.

Bassim SujaatFounder · Eco Ride

Delivery

Five-phase delivery in 6 weeks

01
Discovery & Blueprint
Mapped the full payment flow, gateway rules, payout logic and ZATCA requirements
Signed-off Solution Design
02
Build & Integration
Gateway integration, fare capture, payout engine and e-invoicing built in a sandbox
Working payment engine
03
Reconciliation & UAT
Auto-reconciliation, dashboards and a full UAT cycle on real trip data
UAT sign-off
04
Parallel Run & Training
Ran automated and manual side by side, trained finance and ops teams
Verified, adoption-ready
05
Go-Live & Hyper-care
Full cutover to automated processing, daily support and a tuning sprint
Stable, hands-off system

Local rules built in

ZATCA e-invoicing

Fatoora-format tax invoices with XML and QR, cleared or reported as required.

15% VAT

Standard, zero-rated and exempt supplies mapped, with return-ready reports.

Saudi PDPL

Personal data kept to what the process needs, with role-based access.

Arabic and English

Bilingual documents where customers and authorities expect them.

FAQ

Questions about this project

Is card data stored in the systems Shyphan built?

No. Payments run through a SAMA-regulated gateway with tokenised cards, and card data never touches Shyphan-built systems. The payment engine works with the gateway through one API layer for card, wallet and cash flows.

How are payment mismatches found?

Rides are reconciled against gateway settlements automatically every day. Any mismatch, refund or chargeback is flagged to an exception queue, and the full audit trail on each transaction lets finance trace the issue. Payment match accuracy is above 99%.

How long did it take to build?

The payment automation and reconciliation system was built in 6 weeks. It covered fare capture, gateway integration, driver payouts, rider and corporate invoicing, reconciliation, the finance dashboard, runbooks and finance team training.

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Eco Ride

What Eco Ride needed to fix

What changed for the team

The business process, step by step

Ride fare

Payment gateway

Driver payout

Invoice

Reconciliation

Finance dashboard