When we set out to build PlutoPay, we knew we were tackling one of the hardest problems in fintech: creating a payment infrastructure that's fast, reliable, secure, and works across borders.
The Challenge
Payment systems have zero tolerance for downtime. When money is moving, every millisecond counts. We needed to build a system that could process transactions in 50+ currencies while maintaining 99.99% uptime.
Architecture Decisions That Mattered
Event-Driven Design: Every transaction flows through an event pipeline, ensuring nothing gets lost and everything is auditable.
Multi-Region Deployment: We deploy across multiple regions to minimize latency and maximize availability.
PCI Compliance from Day One: Security wasn't an afterthought. We designed our entire architecture around PCI DSS requirements.
Lessons Learned
The biggest lesson? Start with the hardest problems first. We tackled multi-currency support, fraud detection, and reconciliation before building the pretty dashboard.
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