AI Fintech
Public Shopify Product Insurance App
A micro-SaaS public Shopify application that can be embedded for insurance of product during shipping for customers
- USA
- 2025
Outcomes
- Enterprise-only to self-serve SMB
- Addressable market
- Native Shopify checkout extension
- Placement
- Set by non-technical staff
- Premium and commission rules
The Vision & Challenge
Our partner is an established provider of product protection plans, with a business model built on direct integrations with large e-commerce enterprises. While successful, this high-touch approach left a significant market untapped-the vast ecosystem of small and medium-sized businesses operating on platforms like Shopify.
The core friction was economic. The engineering and account management overhead required for a single direct partnership made it impractical to serve smaller merchants. To grow, the company needed to transition from a service-based integration model to a product-led, self-service model that could scale to thousands of users with minimal operational cost.
Robust Devs was engaged to architect and build the technology that would facilitate this shift. We designed a multi-tenant Shopify application that productized their insurance offering, automating everything from merchant onboarding and configuration to the presentation of offers within the Shopify checkout.
The challenge
- Integrating with Shopify's restricted checkout environment required a solution that was compliant, reliable, and presented a native user experience.
- The system had to function as a multi-tenant platform, securely isolating data and configurations for thousands of individual merchants while providing our partner with global administrative control.
- A flexible and accurate method was needed to calculate insurance premiums and merchant commissions based on a dynamic set of rules, such as product category, price, and merchant-specific agreements.
How we solved it
- We built a checkout extension using Shopify's official APIs, ensuring the insurance opt-in was injected cleanly into the checkout flow without interfering with the merchant's store or violating platform terms.
- A secure, multi-tenant backend was developed using Laravel. This architecture provided each merchant with a dedicated, isolated environment, managed through a central administrative portal for our partner.
- We engineered a rule-based pricing engine that allowed non-technical staff to define and manage complex logic for premiums and commissions through the admin interface, removing the need for developer intervention.
Technologies used
Front-end
- JavaScript
- ReactJS
- HTML5
- CSS3
Back-end
- PHP
- Laravel
DevOps
- Linux
- Digital Ocean
- AWS
- Github CI
Database
- MySQL
Dynamic Pricing Engine
This engine allows the insurance provider to create and manage complex pricing rules without writing code. Administrators can set different rates based on product type, price bands, or specific merchant contracts. This gives them the commercial flexibility to tailor offers for different market segments and manage profitability from a central dashboard.
Merchant Management Portal
The portal is the central control panel for the entire service. It provides our partner with the tools to onboard new Shopify merchants, configure their unique commission structures, and monitor sales performance across their entire network. This system turns a complex B2B2C operation into a manageable, scalable business.
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