Software Engineering

Fintech Payment Orchestration Core

High-throughput transactional ledger and PCI-DSS compliant API gateway for instant merchant settlements.

Client

Apex Capital Payments Inc.

Scope / Timeline

6 Months / PCI-DSS Level 1 Delivery

Core Architecture

Node.js

Industry Sector

Financial Technology & Banking

Fintech Payment Orchestration Core
Case Study

Project Overview

Apex Capital Payments needed a high-throughput, PCI-DSS Level 1 compliant transactional core capable of orchestrating multi-currency payment flows across dozens of regional acquiring banks while eliminating costly transaction settlement timeouts.

Thogai Systems architected an immutable double-entry ledger engine powered by TypeScript and Node.js on PostgreSQL with read replicas. Utilizing Redis cluster distributed locks and AWS Key Management Service (KMS), the system provides mathematically proven double-entry balancing and hardware-isolated envelope encryption for cardholder credentials.

The platform automates smart payment routing, real-time fraud scoring, and instant multi-currency clearing, scaling seamlessly to absorb sudden transaction spikes while eliminating split-brain reconciliation errors.

The Business Challenge

Architecting an atomic, non-blocking double-entry ledger resistant to network partition splits under extreme transactional throughput, all while adhering to strict PCI-DSS Level 1 compliance mandates.

Engineering Solution Delivered

Engineered a high-concurrency routing and ledger engine utilizing TypeScript, Redis distributed lock managers, and automated circuit-breaker gateways protected by hardware-backed AWS KMS encryption.

Visual Verification

Technical Artifacts & Dashboards

Production interface consoles, system architecture topologies, and data visualization hubs.

Fintech Payment Orchestration Core Screenshot
Fintech Payment Orchestration Core Screenshot
Proven Impact

Verified Commercial Results

$120M+ Monthly Volume Reconciled
<50ms Authorization Latency
0.00% Ledger Divergence Rate

Successfully reconciled over $120M in monthly settlement volume with zero data divergence and verified sub-50 millisecond round-trip authorization latency.

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