Payments Engineering in India — From UPI to Ledgers
Every app in India takes payments now. Food delivery, ed-tech, D2C brands, SaaS…
Tag
#fintech
9 posts
Settlement and Reconciliation — Making Three Records Agree
On the 3rd of every month, the finance team at a D2C company I worked with would…
Refunds, Chargebacks and Disputes
A support lead at an online electronics store once told me, “Refunds are where…
The Payment State Machine — Modelling Status and Handling Pending
On a payments team I worked with, the table had a column called . Over three…
Card Payments Explained — Auth, Capture, OTP and Tokenisation
A friend runs a small online furniture store in Jaipur. Average order around ₹2…
Capstone: Designing Payments for a Real D2C Product
We’ve covered a lot over eleven lessons. In this last one, let’s design the…
UPI for Engineers — Intent, QR, Pending and Reversals
One evening during an IPL final, our support queue suddenly had 300 tickets with…
How Money Moves in India — Players, Rails and Settlement
In my first job at a Bengaluru startup, I was asked to “add Razorpay” to our…
Design a Payment System
Payment systems are the backbone of e-commerce. A bug here does not just cause a…