Optimizing BharatPe's Payments with Microservices
Discover how Vidyayatan Technologies streamlined BharatPe’s system to handle millions of transactions efficiently with custom microservices
Overview
We worked with BharatPe, a leading fintech startup in India, to create a Swipe Chargebacks System for their QR code-based payment solution. BharatPe enables merchants to accept payments from any UPI app, such as Google Pay, PhonePe, Paytm, etc. BharatPe has over 6 million merchants across 100 cities in India, and processes over 10 billion transactions per year.
What is Chargeback?
A chargeback is a reversal of funds after a debit or credit card purchase It occurs when a customer files a dispute with their bank or credit card provider over the chargeback
Chargebacks are a consumer protection tool that allows consumers to get their money back for fraudulent charges or purchases. For example, a cardholder might dispute a charge if they change their mind about a purchase.
Steps for disputing a chargeback
1
Collect transaction details
2
Check the deadlines for filing a chargeback dispute
3
Gather evidence for the disputed transaction
4
Submit chargeback dispute documents by the deadline
5
Present your chargeback rebuttal
When a chargeback happens, the business holds funds until the card issuer decides what to do. If the bank rules against the retailer, funds are returned to the cardholder.
Challenges on the Path to Growth
1
Scalability Limitations
The legacy monolithic system struggled to scale with BharatPe’s rapid growth.
2
Transaction Volume Management
The system couldn’t efficiently handle increasing transaction volumes.
3
Manual Error Handling
Frequent manual interventions were needed for failed transactions, causing delays in reconciliation.
4
Lack of Real-Time Analytics
Lacked real-time data insights to drive informed decisions.
5
System Upgrade Challenges
Upgrading individual components was difficult due to the tightly coupled monolithic architecture.
Key deliverables
Microservices Transition
Shifted from a monolithic to a modular microservices architecture for improved scalability.
Automated Reconciliation
Implemented automated transaction reconciliation, reducing manual errors and delays.
Real-Time Analytics Dashboards
Developed intuitive dashboards providing real-time transaction insights and analytics.
Payment Gateway Integration
Seamlessly integrated multiple payment gateways for smoother transactions.
CI/CD Pipeline
Set up a continuous integration and delivery pipeline for fast, reliable deployments.
Robust API Development
Built strong APIs enabling easy integration with external systems.
Scalable AWS Infrastructure
Designed a scalable and secure cloud infrastructure using AWS to support future growth.
Our Solution
We created Dashboard for Operation Agents to Add and check the status of chargebacks, Dashboard for Merchants to check the status and upload documents to verify a chargeback.
Backend
We used Java Spring Boot as the backend framework, as it is a popular and robust framework for building enterprise applications. We used MySQL as the database, as it is a reliable and scalable relational database. We used Apache Kafka as the messaging system, as it is a fast and distributed streaming platform. We used AWS as the cloud provider, as it offers a variety of services and features for hosting and deploying applications.
Frontend
We used React as the frontend framework, as it is a modern and powerful framework for building user interfaces. We used Bootstrap as the CSS framework, as it is a responsive and easy-to-use framework for designing web pages. We used Chart.js as the library for creating charts and graphs, as it is a simple and flexible library for visualizing data.
Architecture
We followed the microservices architecture, as it is a modular and scalable approach for building applications. We divided the system into several independent and loosely coupled services, such as the chargeback service, the notification service, the evidence service, etc. Each service had its own database, API, and logic, and communicated with other services through Kafka. We used Docker and Kubernetes for containerizing and orchestrating the services, and Jenkins and GitLab for continuous integration and delivery.
Solutions That Power Exponential Growth
Driving efficiency and scalability through tailored technological innovation for BharatPe's next phase of growth.
Microservices Architecture
Transitioned from a monolithic system to independent microservices for enhanced scalability.
Automated Reconciliation
Implemented automated processes for transaction handling, reducing manual intervention.
Real-Time Analytics Dashboards
Developed dashboards to provide immediate insights into transaction data.
CI/CD Pipeline Setup
Established a CI/CD pipeline for efficient and continuous deployment.
Payment Gateway Integration
Integrated multiple payment gateways to seamlessly manage high transaction volumes.
Scalable AWS Infrastructure
Deployed a flexible AWS infrastructure to support future growth and scalability.
Impact in Numbers
80 %
Increased transaction processing efficiency
70 %
Reduced reconciliation errors
5x
Scaled system to handle transaction volume
90 %
Decreased downtime during updates
Our Learnings
We encountered several challenges and gained valuable insights throughout the project.
Data quality and consistency
Ensuring data quality and consistency across various sources was a challenge. We addressed this by implementing validation mechanisms like checksums and timestamps, error handling, and using Kafka as the central data source.
Security and compliance
Ensuring security and compliance was crucial due to sensitive data involved. We addressed this by implementing best practices for encryption, authentication, and authorization, and leveraging AWS services like IAM, KMS, and CloudTrail.
Testing and debugging
esting and debugging the complex, distributed system was challenging. We addressed this with automated testing tools like JUnit and Selenium, and used logging and monitoring tools such as Logstash and Grafana for performance tracking and error analysis.
Conclusion
Vidyayatan Technologies excels in delivering scalable and secure solutions for fintech companies using microservices architecture. Our collaboration with BharatPe transformed their chargeback management, addressing a chargeback rate of 0.5% with a streamlined, efficient system.Completed in just six months, our solution enhanced BharatPe's operational efficiency and prepared them for future growth. For cutting-edge fintech solutions, Vidyayatan Technologies is your trusted partner.
Vidyayatan Technologies
Trusted by industry leaders, Vidyayatan Technologies empowers businesses with cutting-edge software solutions and expert development teams. As a premier tech company, we drive innovation and efficiency across multiple sectors from our headquarters in Bhopal.
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