Bulk Payment Collection

Bulk Payment Collection is a banking service designed for businesses with a large customer base, such as mobile phone companies, internet service providers, utilities, social security agencies, and local governments collecting taxes. For clarity, we’ll refer to these businesses as “Service Providers.”

Service Providers leverage the bank’s channels—online banking, mobile apps, ATMs, and branches—to collect payments from their customers. The bank processes these payments, deposits the collected amounts into the Service Provider’s account, and deducts a service fee.

To enable this, Service Providers must expose an interface for querying and managing accounts receivable. The bank, in turn, provides an interface through its channels, allowing end customers to make payments.

The challenge arises when each Service Provider uses its own unique interface, with different models and technologies. This lack of standardization turns every new integration into a full-scale IT project. The traditional approach—adding new components for each Service Provider—quickly becomes unsustainable and impossible to maintain.

Our solution? An agnostic, abstract engine that processes requests in a unified way, regardless of the request type (authentication, query, payment, reversal, etc.) or the underlying technology (SOAP, RESTful, etc.). The engine handles the specifics of each interface through dynamic, runtime resolution, stored in a database. This approach eliminates the need for custom components for each Service Provider, streamlining integration and maintenance.

Built on event-driven microservices with Apache Kafka as the streaming server, the solution incorporates essential patterns like Database per Service, Event Sourcing, CQRS, Distributed Caching, API Gateway, Health Check API, Log Aggregation, Distributed Tracing, Application Metrics, and Audit Logging.

This innovative approach ensures scalability, flexibility, and ease of integration, transforming Bulk Payment Collection into a seamless and efficient process for both banks and Service Providers.