Technology, security & compliance

Why this stack

Architectural principles, and what they mean for you

Principle	How momentPay applies it	What it means for you
Multi-protocol native	One platform natively parses ISO 8583 and UPI/REST messages side by side	One system to operate instead of several
Event-driven processing	Transactions and state changes are published as events in real time	Dashboards and alerts reflect activity immediately
Cloud-native footprint	Runs as containerised services across standard cloud infrastructure	Lower infrastructure overhead, easier capacity planning
Isolated, supervised processes	Each transaction and connection runs in its own lightweight, supervised process	A single failure is contained and recovered automatically
Open, standards-based design	Interfaces built on published protocols and standard APIs	Freedom to integrate and extend without vendor lock-in

Actor-model concurrency

Each connection and transaction is an isolated, lightweight process, so millions of concurrent transactions run on modest hardware.

Let-it-crash fault tolerance

Supervisor trees detect and restart failed processes automatically, so an isolated failure does not take down the platform.

Live code updates

New releases can be deployed without a maintenance window in supported configurations.

Native real-time

Phoenix and LiveView power live operational dashboards without a separate front-end stack.

Resiliency

Designed around the transactions that do not go cleanly

The parts of the design that matter most are the ones that only show themselves when something breaks.

Fail closed on persistence

A transaction is written to durable storage before it is ever sent to a network. If it cannot be recorded, it is not dispatched — the alternative is a transaction the platform could never trace or reverse.

Reverse on ambiguity

A timeout or incomplete response is treated as different from a clean decline. The outcome may already have been applied on the network's side, so a reversal is triggered automatically rather than assuming nothing happened.

Configuration-driven onboarding

A network's connection details, routing rules and message format are data, not code. Extending coverage does not require touching another network's path.

Observability

Health and volume across every connected network are monitored continuously, so a degraded connection is visible before it becomes a customer-facing failure.

Security & compliance

Layered from the network edge to the audit log

Network security

Enterprise firewalling, a web application firewall and DDoS protection at the perimeter.

Application security

Multi-factor authentication, role-based access control and API rate limiting.

Data security

AES-256 encryption at rest, TLS 1.3 in transit, and tokenization end to end.

Monitoring & audit

SIEM integration, comprehensive audit logging and security alerting.

Compliance standards

Standard	Status	How momentPay supports it
ISO 27001	Certified	Certified against the information security management standard
PCI DSS	In progress	Certification underway; controls for secure card data handling are built in
GDPR	Compliant	Data privacy built into data handling, retention and configuration
HIPAA	Compliant	Controls for handling protected health information in regulated billing flows
CSA	Compliant	Cloud security controls aligned to the Cloud Security Alliance framework
SOC 2 Type II	Aligned	Operational controls designed for trust and transparency reporting
RBI guidelines	Aligned	Designed to support India's central bank requirements for UPI processing
PSD2	Aligned	API-first architecture aligned with the European payment services directive

Certified means an audit has been completed and the certificate is held. Compliant means the platform meets the standard's requirements. Aligned means the architecture is built to the framework without a formal audit against it.

Data protection

End-to-end encryption for sensitive data in transit and at rest
Automatic data masking for personally identifiable information in logs and reports
Hardware security module integration for key management
Comprehensive audit trails for compliance reporting
Configurable data residency controls

Transaction risk

Fraud and risk decisioning runs as its own engine, momentPay Shield, scoring every transaction against rules, machine-learning models and sanctions data in under 10 milliseconds — fail-safe, so a scoring error never blocks a payment.

Certification & onboarding

NPCI certification completed as part of the standard UPI onboarding path
Card network certifications coordinated alongside your relationships
A dedicated certification checklist provided at implementation start
Sandbox environments available for pre-certification testing

Monitoring & analytics

Real-time, not batch

Business metrics

Transaction volume and trends, processing revenue, authorization and settlement success rates, merchant and consumer usage patterns.

Technical metrics

Response times, throughput, error rates, network failures and recovery times, resource utilisation.

Operational metrics

Network connection health, message processing backlogs, settlement tracking and reconciliation status.

Security metrics

Failed authentication attempts and suspicious activity patterns.

Delivered through

Executive dashboards summarising business-level metrics
Operations dashboards for technical and infrastructure metrics
REST API and webhook integration for external BI tools

Alerting & escalation

Threshold and anomaly-based alerts routed automatically
Alerts carry enough context to start triage immediately
Escalation paths configurable by severity and time of day

Deployment

Deploy where your regulator and your architecture require

Model	Description	Best suited for
Cloud-native	Containerised deployment on a major cloud provider	Startups and cloud-first organisations
Hybrid cloud	Critical components on-premise with cloud backup	Institutions balancing compliance and agility
On-premise	Fully deployed within the customer's data centre	Regulated environments requiring full data control
Edge deployment	Distributed processing nodes closer to source traffic	Organisations with geographically distributed volume

Connection pooling

Database connections are reused rather than opened per request.

Response caching

Frequently accessed data is served from an in-memory cache.

Asynchronous processing

Non-blocking I/O keeps throughput high under concurrent load.

Event streaming

Monitoring and reporting consume events in near real time rather than in batch.

Automatic load distribution

Traffic is balanced across nodes without manual intervention.

Horizontal scale

Additional nodes join the cluster automatically and load-balance across regions.

Migration

A phased, reversible path off your existing switch

Protocol adapters and a data bridge let momentPay run alongside a legacy platform before any production traffic moves.

Assessment

System analysis and architecture planning.

~1 week

Parallel setup

Deployed alongside the existing system.

~2 weeks

Testing

Transaction validation and performance testing.