Platform Modernization for Global Digital Payment Processing and Scalability

The client operates a payment processing platform built on outdated legacy technologies and monolithic architecture, leading to high maintenance costs, limited scalability, and operational inefficiencies. The current system restricts international expansion, integration with diverse payment gateways, and quick deployment of new features, thereby impeding growth and responsiveness to market demands. The client seeks a comprehensive platform overhaul to transition to a cloud-based, microservices architecture that supports international expansion, multi-currency transactions, and enhanced security standards.

A mid-sized fintech company providing payment processing solutions for online merchants, aiming to expand internationally and enhance platform flexibility.

• Complete redesign and modernization of the existing payment processing platform to enhance scalability, flexibility, and maintainability.
• Migration of system infrastructure to a cloud environment, specifically AWS, leveraging containerization technologies like Docker and Kubernetes for efficient deployment.
• Refactor and replace legacy components with a microservices architecture based on .NET technologies to facilitate independent service development, deployment, and scaling.
• Integrate the platform with multiple international payment gateways (e.g., Stripe, CyberSource, MerchantWarrior) to enable global transactions and expand market reach.
• Implement security best practices compliant with PCI DSS standards, including data encryption, tokenization, and secure third-party integrations.
• Develop features for handling multi-currency transactions and cross-border payments to support international expansion.
• Establish monitoring and observability practices using tools such as Datadog to ensure system reliability, performance, and security.

• Microservices-based architecture using .NET framework, enabling independent deployment and scaling of services such as payment, security checks, and transaction management.
• Containerized deployment environment utilizing Docker and Kubernetes for resource efficiency and ease of management.
• Integration with multiple international payment gateways for cross-border and multicurrency transactions.
• Implementation of secure transaction processes including PCI DSS compliance, data encryption, tokenization, and 3D Secure support.
• Real-time transaction tracking and reporting features for analytical and operational insights.
• Third-party service integrations such as chargeback email parsing and additional analytics or fraud detection tools.
• Observability setup with monitoring tools like Datadog to track system health, detect issues, and optimize performance.

• Multiple international payment gateways (e.g., Stripe, CyberSource, MerchantWarrior)
• Third-party services for transaction parse and analytics
• Security and compliance tools for PCI DSS adherence

• System must support rapid deployment and updates through CI/CD practices.
• Platform should scale efficiently to accommodate increased user base with a goal of supporting a 35% growth.
• High availability with minimal downtime and fault tolerance.
• Security measures to meet PCI DSS Level 1 standards, including data encryption, tokenization, and secure key management.
• Performance should support fast transaction processing and real-time tracking.

The modernization project aims to substantially improve operational efficiency, reduce maintenance costs, and enable rapid deployment of new features. Expected outcomes include support for international and multicurrency transactions, leading to an estimated 35% increase in platform users through global expansion. Enhanced security and compliance will open opportunities for expansion into new markets. The cloud-based, microservices architecture will improve system scalability, fault isolation, and deployment agility, positioning the client for sustained growth in a competitive digital payments landscape.