"Payment System: Survival Guide", Oleksandr Tarasenko

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In our talk, we will discuss the architecture of the payment system and the transaction flow, how it should work, and how it works in reality. Using the example of the hype around Ukrposhta stamps sale, we will see the real problems faced by our system and other financial companies and banks in the Ukrainian fintech. Also, we will learn how to deal with bottlenecks and tune them in our architecture and critical system components step by step.

Tecnologia

Payment System:
Survival Guide
Oleksandr
Tarasenko
EVO Fintech / EVO company
1

About me
● Expertise in ﬁntech and e-commerce domains
● python/golang/node.js/js/scala* experience
● Multiple talks at different tech events
● 3 years as CTO of a Ukrainian Fintech project
● 5+ years in the largest Ukrainian e-commerce (prom.ua)
● Had experience in data-processing projects and billing
projects
2

About project / company
● EVO company
● 3+ years in the payment market
● Top e-commerce clients (rozetka, prom, bigl, izi, shafa,
bravery, kabanchik, vchasno, etc.)
● millions of transactions per month
● thousands of clients
● 5 langs, 100+ services, 10 teams, google cloud
infrastructure
3

Plan
● Intro
● Transactions in the universal payment system
● Transactions in our payment system vs Ukrposhta
● Plans and Q/A
4

Universal payment system
● any merchant can integrate it into his shop
● any buyer can make payment at the merchant shop
5

Transaction ﬂow in universal payment system
6

Transaction ﬂow in universal payment system
7

Transaction ﬂow in universal payment system
21

Our transaction ﬂow
● Transaction ﬂow in our payment system
● Distributed transaction ﬂow
● Bottleneck nodes in ﬂow
● Ukrposhta challenges
22

Our transaction ﬂow (sync part preview)
28

Transaction initialisation
● 100k+ postage stamps
● 1 mln init transactions ;(
● 900k operations and db rows - trash
31

Second sale
● We ﬁx all bugs
● Fix and add all caches
● Update all problem settings
● Get new bottlenecks and problems :)
38

Status polling
● Gateway polling
● Checkout polling
● Shops polling
= 1600+ rps
39

Roadmap for the future
● Isolated payment processings with special presets
● Flexible API gateway
○ rate-limits (internal/external)
○ transactions initialisation
● More partner banks
● Async anti-fraud and security checks*
● Stress-test by Ukrposhta - success story
44

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