Payment Gateway System for Digital Bank
Design and development of a secure and scalable payment processing engine, integrating multiple payment methods and delivering a flawless user experience.
The Challenge and The Solution
The Challenge
The client bank had a fragmented payment system, with high processing times and increased failure rates for mobile transactions. Security was not compliant with the latest PCI DSS standards.
Technical Solution
We built a unified gateway with Spring Boot microservices, orchestrating payments via card, instant transfer, and digital wallets. We implemented end-to-end encryption and a real-time monitoring system.
Development Process
Analysis & Architecture
Mapping existing payment flows and designing the microservices architecture with redundancy and failover.
Core Development
Implementation of authorization, clearing, and reconciliation services, with exhaustive automated testing.
Integration & Launch
Integration with legacy banking systems and production launch with gradual traffic migration.
Achieved Results
- ✓ Processing time reduction from 5 seconds to under 800 milliseconds per transaction.
- ✓ Increase in mobile payment success rate from 87% to 99.5%.
- ✓ PCI DSS Level 1 Certification obtained for the entire payment system.
- ✓ Scalability to handle over 5000 transactions per second during peak times.
Project Details
Client: Major Digital Bank
Duration: 9 months
Team: 8 developers, 2 architects
Status: Live & Operational
Images & Interfaces
