System overview¶
Abstract¶
ReactivePay is a simple payment service provider & fund storage (wallets) project with open architecture.
Easy to install, maintain and operate, this project contains only basic and mandatory functions which could be used/deployed within a payment company.
The system performance is about support 10 TPS with basic (~90 USD worth) cloud web-hosting configuration.
Basic components¶
Account and profile management including multi-level due diligence service
Funds storage facility (wallet) service
Core service (financial ledger)
Fraud prevention and traffic filtering service
3d party connector framework
Public payment API
Web apps: checkout, wallet app, merchant’s backend, management console, reports and analytics
UI and applications¶
Checkout:
Desktop/Mobile friendly payment web-interface (pay-through, pay on wallet top-up)
Checkout form customization
Merchant back-end
Simple merchant back-end app (transaction history, rates/commissions, settlement options)
Wallet app:
Web Desktop/Mobile wallet interface
Authentication via mobile/tex code confirmation
Send/Ask money (p2p transfers)
Pay merchant’s invoice
Management console
Profile and Due diligence customer management
Reconciliation process
Account settings
Chargeback processing
Admin/Setting console
Managing fraud filters
Managing whitelists
Business account settings
Commission settings
System general settings
Analytic/Reporting system
Customizable reports
Charts/Graphs
Alerts and notifications
Data export (PDF, CSV, etc formats)
Roles¶
Busness account (merchant), can use back-end and Public API
Client service manager, can access management console and Reporting system
Risk manager, can access Admin console and Reporting system
Architecture and design¶
Tech stack
Rancher 2.0
Kubernetes
Kafka
Ruby on Rails 4.6
PostgreSQL
Services
Public API
Core service
Settings
Profile and accounts
Fraud prevention and traffic filtering
Security and encryption¶
Public API requests are optionally secured with RSA-SHA256
Intra service communication secured by DMZ network architecture and service-to-service authentication
Sensitive data and customer private data both are encrypted in database and could be stored on dedicated location according to local regulatory requirements
ReactivePay is PCI DSS compatible solution