Fintech Payment Gateway
Secure, scalable payment gateway processing millions of transactions daily with 99.99% uptime and advanced fraud detection capabilities.
Project Background & Objectives
Fintech Infrastructure Company was a 4-year-old payment infrastructure company with strong merchant relationships but a technical stack that could not scale to meet their growth ambitions. At 2.1 million daily transactions, their gateway was operating at 94% peak capacity — one flash-sale event away from a catastrophic service outage. Fraud losses were running at 1.2% of transaction value, triple the industry benchmark. And a Series B investor had conditioned their $18M funding round on Fintech Infrastructure Company achieving PCI-DSS Level 1 certification within 6 months. Dristi Technologies rebuilt their payment processing core, hardened their security posture, and delivered a gateway capable of handling 10 million daily transactions with 99.99% availability.
Payment gateway reliability is measured in nines, but payment gateway trust is measured in milliseconds. Merchants and consumers abandon a checkout at the first sign of latency. We optimised transaction processing to under 180ms median response — and that invisibility is the product.
What Problem Were We Solving?
Fintech Infrastructure Company's existing gateway was a monolithic Java application deployed on 8 physical servers with no horizontal scaling capability. A single Black Friday event caused 14 minutes of complete downtime and ₹3.8 crore in unprocessed transactions. Their fraud detection was a static rule engine with a 4.7% false positive rate — blocking legitimate transactions and frustrating genuine customers. The PCI-DSS Level 1 audit identified 34 findings, including critical gaps in cardholder data encryption and audit log completeness. A competitor had just announced a 200ms transaction processing guarantee; Fintech Infrastructure Company's median was 890ms.
How We Delivered Results
We re-architected the gateway as a horizontally scalable microservices system deployed on Kubernetes with auto-scaling across 3 AWS availability zones. Apache Kafka handles the transaction event stream, enabling the system to absorb sudden traffic spikes without queue buildup. A machine learning fraud detection model — trained on 180 million historical transactions — achieves 95% fraud detection with a 0.3% false positive rate, down from 4.7%. All cardholder data is tokenised at the point of entry using a Vault-based secrets management system. The gateway processes transactions in 160ms median response time.
Performed a full architectural review and PCI-DSS audit, documented all 34 compliance gaps, and designed a target architecture prioritising security controls and horizontal scalability.
Decomposed the monolith into 11 bounded-context microservices, implemented Kafka event streaming for transaction processing, and established Kubernetes auto-scaling policies.
Trained a gradient boosted fraud detection model on 180M historical transactions, integrated Vault for cardholder data tokenisation, and implemented real-time risk scoring for every transaction.
Remediated all 34 audit findings, achieved PCI-DSS Level 1 certification on the first submission, and ran 30 days of load testing to validate 15M transaction/day capacity headroom.
Built With Industry-Leading Tools
Every technology was selected for its production readiness, scalability potential, and fit with Fintech Infrastructure Company's long-term roadmap.
In Their Own Words
“Our Series B was conditional on PCI-DSS Level 1. We were 34 findings away and 6 months from the deadline. Dristi Technologies delivered the certification with three weeks to spare and built a gateway that is genuinely better than what any of our competitors are running. The investors noticed.”
Results That Speak for Themselves
Quantifiable impact delivered for Fintech Infrastructure Company across every key performance dimension.
Full List of Outcomes
How We Deliver Enterprise-Grade Projects
A proven four-phase framework that consistently delivers on time, on budget, and above expectations.
Discovery & Scoping
Stakeholder workshops, existing system audit, user research, and definition of success metrics with all key decision-makers.
Architecture & Design
System architecture blueprint, UX/UI wireframes, API contracts, and technology stack validation against scalability requirements.
Agile Development
Two-week sprint cycles with CI/CD pipelines, automated test coverage, and weekly demos to ensure continuous alignment.
Launch & Optimise
Zero-downtime deployment, real-user monitoring, performance tuning, and a dedicated hypercare period with SLA guarantees.
