Real-Time Payment Architecture & Orchestration

A standards-aligned, modular, ISO 20022–native framework for building modern instant payment systems.

🔷 Overview

This repository provides a reference architecture and implementation framework for Real-Time Payments (RTP), FedNow®, SEPA Instant, UPI, and ISO 20022-based real-time rails.

It demonstrates how a modern payment system can be structured to support:

• End-to-end orchestration of real-time credit transfers
• ISO 20022-native data models (pacs.008, pacs.009, pacs.002, pain.001)
• Pluggable validation, enrichment, routing, and fraud evaluation
• Event-driven processing (Kafka-ready pipeline)
• Resilience (circuit breaker, DLQ, retries)
• Observability (metrics, structured logs, correlation IDs)
• Extensible microservices-style payment components

This codebase is designed for:

• RTP developers & payments engineers
• Banking architects modernizing legacy payment hubs
• FinTech startups implementing instant rails
• Researchers & students studying ISO 20022 and real-time systems
• EB-1A portfolio demonstration of original contributions in FinTech

🎯 Core Objectives

This framework demonstrates:

1. A complete real-time payment orchestration pipeline

Including:

• Input validation
• ISO 20022 transformation
• Fraud/risk evaluation
• Routing & workflow selection
• Posting to ledger/core
• Real-time acknowledgments

2. Alignment with global payment standards

• ISO 20022 schema modeling
• TCH RTP® conceptual flows
• FedNow® usage guidelines
• SEPA Instant processing
• UPI-style routing & real-time decisioning

3. A real-world architecture foundation

Reflecting:

• Microservices patterns
• Event-driven design
• Clean extensibility
• Enterprise-grade reliability

🖼 Architecture Diagrams

🖼 Orchestration Diagrams

📂 Project Structure

src/
└─ realtimepaymentarchitectureorchestration/
     ├─ app/
     ├─ orchestration/
     ├─ iso20022/
     ├─ validation/
     ├─ routing/
     ├─ fraud/
     ├─ config/
     ├─ channel/
     ├─ repository/
     ├─ resilience/
     └─ observability/
docs/
diagrams/

🚀 Getting Started

Requirements

• Java 17+
• Maven or Gradle

Build

mvn clean install

Run Demo

mvn exec:java -Dexec.mainClass="realtimepaymentarchitectureorchestration.app.RealTimePaymentApplication"

Run Tests

mvn test

🧪 Example Usage

PaymentOrchestrator orchestrator = new PaymentOrchestrator();
PaymentChannelAdapter channel = new RestPaymentChannelAdapter(orchestrator);

Map<String, Object> payment = Map.of(
    "debtorAccount", "12345",
    "creditorAccount", "67890",
    "amount", "250.00",
    "currency", "USD"
);

channel.submitPayment(payment);

🧭 Roadmap

• AI-driven fraud scoring
• Adaptive routing (cost/performance-based)
• Persistent ledger store (PostgreSQL/Mongo)
• gRPC low-latency adapter
• Full ISO 20022 XML/JSON marshalling

📘 References

See docs/References.md for a complete list of RTP, ISO 20022, FedNow®, SEPA Instant, UPI, fraud, and architecture references.

👤 Author

Rahul Autade
Senior Payments Architect | RTP | ISO 20022 | Core Banking | Event-Driven Systems

This project contributes to global real-time payment modernization and demonstrates original architectural work aligned with EB-1A criteria.