Industry
Banking & Fintech
Technologies
Java, PostgreSQL, AWS
About Our Client
Our client is a digital-only bank based in Southeast Asia with over 4 million customers and a mobile-first ecosystem. As they expanded into business banking and international money transfers, their infrastructure struggled to support the growing demand for fast, secure, and flexible payment processing across multiple regions.
Challenge
The client wanted to centralize and modernize their fragmented payment processing setup, which included:
- Multiple Local Gateways: Different integrations per country, each with its API schema and SLA.
- Compliance Complexity: Regulatory differences between regions (e.g., PCI DSS, MAS, RBI) made unified control difficult.
- Scalability Limits: High transaction volume during peak hours was causing timeouts and dropped payments.
- Security Concerns: Sensitive card and customer data needed to be tokenized and processed securely across endpoints.
- No Real-Time Monitoring: Limited observability led to delayed issue resolution and compliance risks.
Solution
Celestial Infosoft built a cloud-native, unified Payment Integration Platform supporting real-time, multi-gateway processing with regional failover, security compliance, and analytics.
Key Features Delivered:
- Unified Payment Interface
- Built a common adapter layer for 12+ third-party payment providers using REST + GraphQL.
- Abstracted gateway-specific APIs into a normalized format for internal use.
- Real-Time Transaction Orchestration
- Used Kafka for stream processing and event-based payment flows.
- Smart retry logic and dynamic routing based on currency, geo-location, and SLA.
- PCI-DSS Compliant Vaulting
- Tokenization engine built with Vault for secure card storage.
- All data is encrypted at rest and in transit with dynamic secrets rotation.
- Analytics & Monitoring Layer
- Integrated with AWS CloudWatch, ELK Stack, and Prometheus for full traceability.
- Power BI dashboards for business analytics and fraud detection triggers.
- Kubernetes Deployment
- Deployed microservices via EKS with horizontal auto-scaling and blue-green deployments.
- Lambda is used for asynchronous transaction processing and refunds.
Project Highlights
- 20 M+ transactions/month processed with 99.98% uptime.
- Regional failover setup across Singapore, India, and Indonesia.
- 5 new gateways integrated in 6 weeks using plugin-style adapters.
- Full audit trails are exported automatically for regulatory reporting.
Results
- 99.9% Payment Success Rate achieved post-launch.
- Reduced Integration Time by 70% for new payment providers.
- Improved Compliance posture with full PCI-DSS alignment and tokenization.
- 50% Drop in Transaction Failures due to real-time monitoring and smart retries.
Technologies and Tools
- Backend: Java Spring Boot, Node.js
- Database: PostgreSQL, DynamoDB
- Streaming: Kafka, AWS SQS
- Security: Vault, TLS 1.3, OAuth 2.0
- Deployment: Kubernetes (EKS), Docker
- Monitoring: ELK Stack, Grafana, CloudWatch
- Reporting: Power BI, AWS Athena
Client Feedback
“Celestial Infosoft helped us go from patchwork to a professional-grade platform that scales. Their deep domain knowledge and cloud-first strategy gave us a payment architecture ready for the next decade.”
– Client Says
