Daily Deli Achieves 12% Higher Payment Success with XPay Multi-Gateway

Daily Deli, a popular fast-food chain in Pakistan, has built a strong presence through its focus on quality meals and convenient online ordering. With multiple locations across major cities and a dedicated mobile app, the brand serves thousands of customers daily who expect fast and reliable service, including seamless digital payments.

Daily Deli operates as a Pakistani-owned fast-food brand with outlets in key urban areas. The chain offers a menu centered on burgers, wraps, and other favorites, emphasizing fresh ingredients and quick delivery. The mobile app plays a central role in operations, allowing customers to browse menus, place orders, and complete payments directly from their phones. This digital channel handles a significant portion of transactions.

The Challenge

Before adopting a multi-gateway approach, Daily Deli relied primarily on a single payment processor connected to MCB (Muslim Commercial Bank). While this setup worked for most transactions, a portion of payments failed due to issues such as network downtime, card-specific restrictions, or temporary bank-side limitations. These failures resulted in abandoned orders, lost revenue, and frustrated customers who had to retry payments or switch to less convenient methods.

Analysis showed that only about 88% of attempted payments succeeded on the primary MCB channel. The remaining 12% represented potential revenue that went uncaptured, affecting overall order completion rates and customer satisfaction in a competitive food delivery market.

The Solution: XPay by PostEx

Daily Deli turned to XPay by PostEx, a payment gateway designed for Pakistani businesses that supports multi-gateway processing. XPay enables intelligent routing of transactions across multiple bank channels, with configurable priorities and automatic fallbacks.

The team configured XPay to prioritize MCB as the first option for all card payments. If a transaction failed on MCB, XPay automatically routed it to Bank Alfalah as the secondary gateway. This setup ensured that payments declined on the primary channel had a second chance to succeed without requiring customer intervention.

XPay's on-site checkout kept the payment process embedded within the Daily Deli app, avoiding redirects to external pages that often lead to drop-offs. The integration also maintained compliance with PCI-DSS standards and provided built-in fraud protection.

Implementation

Integration of XPay occurred directly into the Daily Deli mobile app using available SDKs for a straightforward setup. The process involved:

• Connecting existing merchant IDs for both MCB and Bank Alfalah.
• Setting routing rules with MCB as priority and Bank Alfalah as fallback.
• Testing transactions to confirm seamless switching between gateways.
• Launching the updated payment flow to customers without major disruptions.

The entire implementation completed efficiently, allowing quick rollout across the app.

Results

After implementing XPay's multi-gateway routing:

• 88% of payments processed successfully through the primary MCB channel.
• The remaining 12%, previously failed transactions, succeeded via the Bank Alfalah fallback.
• Overall payment success rate increased by 12 percentage points.
• Monthly transaction volume stabilized, with higher completion rates contributing to consistent revenue from online orders.
• Customers experienced fewer failed payments, leading to smoother checkouts and reduced support inquiries related to transaction issues.

This improvement translated into higher order fulfillment and better retention, as customers could complete purchases reliably on their first attempt.

Conclusion

By adopting XPay's multi-gateway capabilities, Daily Deli addressed a key bottleneck in its digital payment process. The prioritized routing between MCB and Bank Alfalah captured transactions that would otherwise have been lost, resulting in a 12% higher payment success rate. 

This case demonstrates how targeted payment optimization can support growth for app-based food businesses in Pakistan, ensuring more orders convert into completed sales.