System Design of Payment Gateway

The UPI system is developed and managed by the National Payments Corporation of India (NPCI), and they may use a combination of proprietary and open-source technologies to ensure robustness, scalability, and security.
However, I can provide you with a generalized view of technologies that are commonly used in systems with similar requirements and complexity as UPI:
Load Balancer (LB): A load balancer could be used to distribute network traffic across various servers to ensure efficient resource use and maintain high availability.
Microservices Architecture: It's common for complex, scalable systems like UPI to adopt a microservices architecture, where different functionalities are encapsulated in independently deployable services. This enables flexibility and can facilitate continuous integration/continuous delivery (CI/CD) practices.
Container Orchestration with Kubernetes: Kubernetes is a popular platform for managing containerized applications, providing tools for automating deployment, scaling, and management of containerized applications. It's quite possible that a system like UPI would leverage something like Kubernetes for orchestration.
In-Memory Caching with Redis: Redis is commonly used for in-memory caching to provide low-latency access to frequently read data.
Message Queue with Kafka: Apache Kafka might be used as a distributed streaming platform to handle real-time data feeds and integrate various microservices.
Database with Apache Cassandra: Cassandra is a distributed NoSQL database known for its scalability and fault tolerance, making it suitable for handling large volumes of data in a system like UPI.
Programming Languages: It's likely that multiple programming languages are used in the development of UPI, depending on the specific requirements of different components. Commonly used languages for such systems might include Java, C++, Python, and others.
Please note that the above information is speculative and based on general industry practices for large-scale, distributed systems. The actual technologies and architecture used in UPI might differ and would likely involve additional layers and components tailored to the specific requirements of a national payment system. Specific details might be proprietary or confidential.
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[@goldenduck1414]

Superb

[@dev-skills]

Thanks 🤗

[@HarsshBajpai]

Visa, MC are not payment processor. they are networks. Overall, a good video

[@dev-skills]

Hi Harssh, Thanks for pointing this out. You are right! Visa and Mastercard do not actually process payments themselves; they are payment networks. They only facilitate the transactions between banks, merchants, and cardholders by providing the infrastructure that allows financial data to move securely from the cardholder's bank to the merchant's bank.