Payment Infrastructure

Card Payment Middleware Architect

I design and build the middleware layer that powers card payments—from payment switches to transaction routing engines. My systems process millions of transactions daily with enterprise-grade reliability.

Payment Switch Transaction Routing EMV Processing Multi-Acquirer PCI DSS Level 1

₹500Cr+

Daily Transaction Value

15+

Acquirer Integrations

99.99%

Platform Uptime

<100ms

End-to-End Latency

Core Middleware Expertise

Payment Switch Design

Architected high-throughput payment switches handling 10K+ TPS with intelligent routing and failover mechanisms

Transaction Routing Engine

Built dynamic routing engines with cost optimization, success rate optimization, and load balancing across acquirers

Multi-Acquirer Integration

Integrated 15+ acquiring banks with unified API abstraction, protocol translation, and response normalization

EMV & Contactless

Deep expertise in EMV chip processing, contactless payments (NFC), and tokenization for card-present transactions

PCI DSS Compliance

Designed PCI DSS Level 1 compliant architectures with P2PE, tokenization, and secure key management

Real-time Analytics

Built real-time transaction monitoring dashboards with fraud detection, success rate tracking, and SLA monitoring

Architecture Principles

Routing Strategies

Cost-based routing optimization
Success rate based intelligent routing
BIN-based acquirer selection
Automatic failover & retry logic
Load balancing across processors

Technology Stack

Java/Kotlin Spring Boot Kafka Redis PostgreSQL Kubernetes AWS

Building a Payment Platform?

Whether you need to build a payment switch from scratch, optimize transaction routing, or integrate new acquirers, let's talk.

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