PayGate API Gateway

High-Availability Payment Infrastructure

API GatewayKongGoKubernetesPCI-DSSRedis

A centralized API gateway and payment orchestration layer for a licensed payment facilitator. The firm's monolithic PHP infrastructure was experiencing performance degradation under growing transaction volumes; timeout rates exceeded 3% during peak hours, and single-PSP dependency posed a business continuity risk.

We deployed an API layer on Kong Gateway backed by a payment orchestration engine comprising Go microservices running on a Kubernetes cluster. The intelligent routing layer evaluates each PSP's real-time success rate and latency metrics to automatically direct transactions. Session management and idempotency control are handled via Redis, while PostgreSQL manages transaction logs. The entire system was architected for PCI-DSS Level 1 certification.

System Architecture

ClientsGatewayServicesBankingHTTPSHTTPSVerifyRouteScoreRecordISO 8583ConfirmReconcileWeb AppMobile SDKAPI GatewayAuth ServicePayment RouterFraud DetectionLedger DBBank APIsSettlement

Highlights

  • Kong Gateway + Go microservice orchestration engine
  • Intelligent PSP routing (success rate & latency based)
  • Redis idempotency control & session management
  • PCI-DSS Level 1 compliant architecture
  • 8 PSP integrations via single unified API

Results

Uptime improved from 99.95% to 99.99%
P95 latency reduced from 340ms to 47ms
Timeout rate dropped from 3.2% to 0.04%
PSP dependency eliminated (automatic failover)