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FinTechProduction4 Months Delivery

PulsePay Settlement Platform

High-security financial settlement orchestration platform managing transaction routing, automated reconciliation, and audit trails.

The Business Challenge

Growing transaction volumes strained the client's legacy batch processor, resulting in intermittent double-charge alerts, delayed merchant disbursements, and compliance audit friction.

Technical Solution & Architecture

Re-engineered the transaction processing core using ASP.NET Core and PostgreSQL. Implemented idempotent payment webhooks, distributed locks, cryptographic secret management, and automated dual-entry ledger reconciliation.

Architectural Highlights

Strict double-entry bookkeeping ledger ensuring mathematical balance
Idempotency tokens preventing accidental duplicate transactions
End-to-end payload signing with HMAC SHA-256 for external payment webhooks
AES-256-GCM encryption for all sensitive banking credentials at rest

Measurable Business Outcomes

Outcome 01

Processed over 1.2M transactions with 99.96% availability

Outcome 02

Reduced merchant settlement settlement dispute inquiries by 74%

Outcome 03

Achieved full compliance readiness for regulatory financial audits

Key Features & Capabilities

Instant merchant payout computation and settlement scheduling
Automated banking fee deduction and currency conversion
Tamper-evident audit trail with immutable change logs
Configurable fraud rule filters with auto-hold thresholds
Technical Challenge

Guaranteeing zero transaction loss during intermittent upstream payment provider gateway dropouts.

Lessons Learned

Idempotency keys paired with transactional outbox patterns provide unbreakable financial resilience against external network dropouts.

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