This project involved building a

This project involved building a payment and reporting system on Bubble.io to manage recurring household contributions and generate Experian-compliant credit reporting data. The application handled standing orders (SO), tracked member payments, and enforced strict reporting cycles aligned to monthly periods. Key logic included dynamically calculating previous and next standing order dates, defining safe and restricted windows for user actions, and ensuring consistent handling of edge cases across month boundaries.

A major part of the system was the classification of payment behaviour based on days overdue. Contributions were processed into normalized records and expanded across household bill allocations, then mapped to Experian status codes using a configurable range-based approach. The system supported late payments, carried-forward unpaid balances, and default scenarios, ensuring each reporting cycle produced accurate and auditable outputs.

To support scale, backend workflows were designed using scheduled API workflows and batching patterns to process large volumes of contributions efficiently. A dual-table structure separated finalized reporting records from temporary unpaid records, allowing the system to track ongoing delinquencies while minimizing repeated processing. Safeguards were added to prevent duplication and maintain traceability across reporting runs.

The application also included user-facing features such as date-based filtering, conditional UI states (safe vs blocked periods), CSV export handling, and controlled onboarding via invitation workflows. Privacy and security were considered throughout, with backend validation for user existence and restricted access to sensitive fields like email addresses.

Integrations included Moneyhub for payment and account connectivity, Experian-compatible data structuring for credit reporting, and the use of Bubble backend workflows alongside plugins such as Toolbox for advanced logic execution and data handling. The result is a scalable system combining financial processing, regulatory compliance, and operational efficiency within a no-code environment.