ITBorissov

Fintech · Platform · 2025

Payment orchestration platform

A production-grade payment orchestration layer — routing, settlement hooks, and operator tooling built for regulated European operations.

  • 40k+Ops / month
  • <200msP95 latency
  • 99.97%Uptime
  • 6 moDelivery

Context

Scaling payments without losing control

The client had outgrown a patchwork of scripts and manual reconciliation. Growth in transaction volume exposed gaps in observability, auditability, and release confidence — unacceptable for a regulated fintech environment.

Challenge

Legacy pipeline, rising risk

Fragmented services, inconsistent idempotency, and slow incident response threatened SLA commitments. The team needed a unified orchestration core with clear boundaries, replay-safe workflows, and operator visibility — without a full platform rewrite.

Solution

Orchestration core with operator clarity

We designed a modular payment orchestration platform: deterministic routing, event-sourced audit trails, and a control plane for operations teams.

Architecture

Service boundaries around initiation, routing, settlement, and reconciliation — with async events and idempotent handlers throughout.

Product logic

Configurable routing rules, fee models, and retry policies encoded as versioned domain policies — not hard-coded branches.

Integrations

PSP adapters, ledger exports, and webhook consumers unified behind a single integration contract and schema registry.

Backend & API

REST and internal gRPC surfaces with strict auth, request tracing, and OpenAPI-documented operator endpoints.

Engineering approach

How we delivered

01

Discovery

Mapped transaction lifecycles, failure modes, and compliance touchpoints with engineering and operations stakeholders.

02

Architecture

Defined service contracts, event model, and rollout strategy — phased cutover with shadow traffic validation.

03

Implementation

Built core services, integration layer, and observability stack with contract tests and load benchmarks.

04

Delivery

Staged production rollout, runbooks, and handover — including on-call playbooks and SLA dashboards.

Key results

Measured impact

  • 40k+Monthly operations
  • <200msP95 routing latency
  • 99.97%Platform uptime
  • 6 monthsEnd-to-end delivery
  • −70%Incident triage time

Technology & capabilities

Stack & capabilities

  • Backend
  • API
  • Cloud
  • Automation
  • Data Pipeline

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