Use Cases
Payment Processing
Hazelcast in-memory solutions modernize payment processing, accelerate bank and merchant performance, and improve customer experience.
Speed, scalability, stability, and security across the entire payments process ecosystem.
Speed
Hazelcast is designed for low latency under heavy workloads, with no noticeable delays even at 5 million aggregations per second.
Scalability
Hazelcast is designed for today's always-on, high-streaming workloads, and can be scaled easily due to its parallel, distributed computing core.
Stability
Hazelcast Jet and IMDG provide a distributed streaming and in-memory processing capability in an integrated solution across a variety of deployment models, simplifying implementation and maintenance while lowering TCO.
Security
The ability to run multiple fraud detection algorithms in the time it takes to swipe a card keeps your customer and merchant transactions more secure, with no noticeable delay in processing speeds.

Payment Processing Reference Architecture
Hazelcast can be a fast, scalable, resilient, and secure foundation of your payment processing architecture, especially in the payment hub services component. Hazelcast can power the components described below.
Hazelcast can be a fast, scalable, resilient, and secure foundation of your payment processing architecture, especially in the payment hub services component. Hazelcast can power the components described below.
Payment Hub
The payment hub is responsible for three primary decisions:
- Authentication
- Fraud detection
- Network selection
Authentication. Payment authentication entails checking details of the transaction to ensure valid data was provided. Hazelcast can quickly check rules to authenticate the transaction.
Fraud detection. Fraud detection entails checking against a large set of rules, or even a machine learning model, to make a prediction on whether the transaction is fraudulent or not.
The Hazelcast speed advantage lets you create a competitive advantage by running more complex algorithms simultaneously within your stringent SLAs. This lets you more effectively reduce the risk of fraud while minimizing the likelihood of false positives.
Network selection. For network selection, the payment hub identifies the most cost-effective network choice for a given SLA time. Hazelcast can determine this at near real-time speeds based on information and rules stored in-memory.
Gateway
The payment gateway is a set of connectors to different networks. It understands the varied protocols and data formats across existing networks. Hazelcast provides a connector API for creating customer interfaces to deliver transactions to the broad range of networks that are available today.
Operational Data Store
The operational data store (ODS) stores all the information necessary to authorize and deliver transactions. This includes cardholder information, fraud detection model data, historical transaction history, payment gateway information, etc. Hazelcast stores all of this in-memory to enable the highest throughput of transactions with the lowest latency.
Check out our Hazelcast Payment Processing Reference Architecture white paper.
Card Payment Use Cases
Hazelcast has been deployed in every component in the card payment processing ecosystem.
Payment processors are the first point of contact for most merchants in the card payment lifecycle, and gateways are the channels for secure data transmission. Firms often handle both functions for merchants. Processors and gateways use Hazelcast for:
- Authentication and fraud detection
- Real-time reporting for systems monitoring
- Geo-distribution
Acquiring banks (or simply “acquirers”) manage bank accounts on behalf of the merchants to collect money from purchase transactions. Acquirers use Hazelcast for:
- Transaction monitoring
- Advanced anti-fraud protection
- Business intelligence services
Credit card networks are the overall coordinators of purchase transactions of their brand of credit cards. They work with all stakeholders to make sure funds are properly passed from the consumer to the merchant. Credit card networks use Hazelcast for:
- Authentication and fraud detection
- Payment messaging
Issuing banks are the consumer-facing firms that manage accounts on behalf of credit card holders. They are responsible for delivering money to the acquirers through the credit card networks. Issuing banks use Hazelcast for:
- Card authentication/authorization
- Fraud detection/prevention
- Payment network selection
Instant Payment Use Cases
Hazelcast is used to speed up instant payment transactions, which are often plagued by cross-border incompatibilities. Interfaces tend to add bloat that slows down the transactions, and Hazelcast provides in-memory data access speeds to make payments truly instant.
The complexity of cross-border transactions represents the next major challenge for instant payments.
Hazelcast can accelerate the various components in an instant payment lifecycle.
Hazelcast can be used by banks to handle many aspects of processing payment transactions. With in-memory speeds, real-time stream processing, scale, resilience, and security, banks can deploy systems that speed up transactions while retaining much of the existing core banking infrastructure.
As countries are looking to expand their instant payment ecosystems to include fast payments to international payees, payment network providers are providing the integration points to simplify the connectivity between countries. The use of in-memory and stream processing capabilities in Hazelcast can boost throughput and reduce latency to keep up with the load and the immediacy demands in today’s digital world.
Drive increased satisfaction across your payment processing ecosystem.
Keep everyone happy
Happy customers = happy merchants = happy payment processors. The right technology applied to the right process can add value across the entire supply chain.
Solutions that adjust to your needs
Scale up when needed, and down when not. Avoid over-capacity charges or (worse) struggling to keep up with demand.
Works with your existing infrastructure
Hazelcast in-memory solutions for stream processing and data grid applications are designed to work with your existing IT infrastructure, breathing new life into legacy systems.
10s of 1000s
Payments per second
Across multiple payment types, devices, and networks
Security at Speed
10K TPS w/SSL/TLS 1.2 w/Open SSL
Remove friction from the customer’s journey with no compromise