Real-Time Global Payment Infrastructure
NexaPay needed a ground-up payment infrastructure capable of processing millions of transactions daily across 40+ countries with sub-200ms latency, full PCI DSS compliance, and 99.99% uptime SLA. We designed and delivered every layer — from database sharding strategy to the merchant-facing dashboard.
Their legacy monolith processed $800K/day but couldn't scale past that ceiling. Peak-hour failures were costing $120K per incident. The existing architecture had no multi-region support, settlement delays of 72+ hours, and a fraud detection system built on static rules that caught under 60% of fraudulent transactions.
We re-architected the entire platform as event-driven microservices on AWS, introduced real-time fraud scoring with a custom ML model, built a distributed ledger for atomic cross-currency settlement, and deployed across 5 AWS regions with active-active failover. Merchants get a real-time analytics dashboard with customisable alerts.
Atomic cross-currency settlement in under 2 seconds using distributed ledger principles.
Custom XGBoost model scoring every transaction in <15ms with 94% catch rate.
5 AWS regions with automatic failover and zero data loss on regional outage.
Real-time revenue dashboards with custom alerts, chargeback tracking, and reconciliation.
Full Level 1 compliance with tokenisation, field-level encryption, and audit trails.
Versioned REST API with idempotency keys, webhook retries, and SDK support for 6 languages.
Stakeholder interviews, load analysis, system design, tech stack decision, team onboarding.
Event-driven microservices, Kafka pipelines, gRPC inter-service comms, PostgreSQL sharding.
ML model training, real-time scoring pipeline, PCI DSS audit preparation, pen testing.
Next.js frontend, real-time WebSocket feeds, reporting engine, white-label theming.
Multi-region deployment, load testing to 10× peak, disaster recovery drills, go-live.
Performance tuning, runbook authoring, team knowledge transfer, SLA monitoring setup.
Miraya Tech Lab didn't just build our payment system — they understood financial infrastructure deeply and made architectural decisions we're still benefiting from three years later. When we had a compliance audit, the auditors were genuinely impressed.
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