Real-time Payments Platform
A high-throughput payments and fraud-scoring platform processing millions of transactions a day.
- Client
- Fintech client — payments
- Timeline
- 16 weeks
- Year
- 2025
+38%
Approved volume
−86%
Auth latency
−100%
Manual ops
99.99%
Uptime
The challenge
The client's legacy gateway buckled under peak load, settlement was manual, and fraud slipped through static rules — capping approved volume and eroding trust.
What we built
We rebuilt the core on an event-driven architecture with Kafka, added a real-time risk-scoring service, and automated reconciliation end-to-end with full observability.
Results
- Approved transaction volume up 38% with no added fraud loss
- Settlement reconciliation fully automated (was 2 analysts, full-time)
- p99 authorization latency cut from 840ms to 120ms
840ms auth latency, manual settlement, static fraud rules.
120ms auth, automated settlement, adaptive real-time scoring.
Inside the build
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