Hazelcast Payment Processing Reference Architecture

Hazelcast has been deployed in payment processing architectures at some of the world’s largest banks and card processing businesses. Payment processing systems require extremely high throughput rates as well as millisecond-level latencies. By leveraging Hazelcast Platform, businesses gain a significant performance advantage to successfully process high volumes of transactions to meet the demands of a continually expanding customer base. Hazelcast also provides the scalability to easily grow and adapt to changing transaction volumes, which is especially important during heavy purchasing seasons and events with loads that spike well beyond typical levels. In addition, the low latencies made possible by Hazelcast Platform ensure a positive customer experience, so consumers will not abandon a purchase.

Hazelcast Platform comprises two broad capabilities that handle some key components in a payment processing architecture. The first is a stream processing engine which can process incoming streams of data (i.e., transactions) at real-time speeds. The second is a fast data store which stores lookup/historical data in random-access memory (RAM) that helps a payment processing system make decisions whether to approve a transaction and where to route the transaction upon approval. These two capabilities work together to enable high throughput and low latency requirements of the payment processing environment while also ensuring extremely high uptime.