#SystemDesign of #PaymentGateway by an #UPI Architect, #NPCI | High-Level Design #HLD [LIVE]

Discover the system design behind the Unified Payments Interface (UPI), the system responsible for processing 30 crore transactions with an 8000% growth rate. In this video, we'll explore how the centralized NPCI system connects Payment Service Providers (PSPs) such as Google Pay and PhonePe to banks, enabling instant, zero-cost transfers. This video covers the High-Level Design (HLD) of the UPI ecosystem, explaining how engineers address high availability, security, and massive scale using technologies such as Hardware Load Balancers, Redis Clusters, and Kafka. 🚀 Key Topics Covered: • The UPI Ecosystem: 5 key parties involved in every transaction (Payer PSP, Payee PSP, Remitter Bank, Beneficiary Bank, and NPCI). • Transaction Flows: Step-by-step breakdown of the "Send Money" flow vs. the "Collect Request" flow. • Load Balancing: Why UPI uses Hardware Load Balancers (Active/Passive) with SSL offloading instead of software balancers. • Application Server Architecture: Grouping servers by function (Financial, Non-Financial, and Mandate transactions). • Database Design: Using Redis (in-memory) for speed, Cassandra for high-availability storage, and Kafka for streaming analytics. • Security: How MPLS networks and Firewalls secure the system without facing the open internet. ⏱️ Timestamps: 0:00 - Introduction & UPI Growth Statistics (8000% Growth) 02:15 - The 5 Parties Involved in a UPI Transaction 04:30 - How App Onboarding & VPA (Virtual Payment Address) Work 07:45 - The "Send Money" Transaction Flow Explained 10:20 - The "Collect Request" Flow & Approvals 12:50 - High-Level Design (HLD) Architecture Diagram 15:10 - Deep Dive: Hardware Load Balancers & SSL Offloading 17:30 - Database Choice: Why Redis & Cassandra? 19:45 - Async Processing with Kafka Streams 21:50 - Security & MPLS Connectivity #SystemDesign #UPI #SoftwareArchitecture #DevSkills #Redis #Kafka #BackendEngineering #NPCI #GooglePay #phonepe About this Video: This talk features a technical deep dive by an architect discussing the centralized UPI system managed by the NPCI. If you are preparing for a system design interview or curious about the engineering behind India's digital payment revolution, this video provides a comprehensive look at the backend infrastructure. Show your support: 👍 Like this video if you find it helpful 💻✨ 🔄 Share this video and 💗 spread the knowledge 🔔 Subscribe to my channel for more 🥂 👀 Be sure to watch this video until the end 📺 System Design of UPI Payment Gateway 🔗 Useful Links 🔗 ✔ Grow your YouTube Channel: https://www.tubebuddy.com/pricing?a=d... ✔ Grow your YouTube Channel: https://vidiq.com/r?code=mXPh7H https://invideo.io/i/devskills ✔ Thumbnail made with Canva: GET IN TOUCH 📍 Business Inquiries: [email protected] 📚 Looking to enhance your skills with online courses? Check out Educative! Sign up using my referral link below and get free account credit worth 10% 💰. 👉 https://www.educative.io/unlimited?af... ABOUT OUR CHANNEL We create videos for software developers of all levels, from beginners to experienced professionals. We cover a wide range of topics, including full-stack development, engineering leadership, software architecture, distributed systems, and more. We offer videos on interview preparation, career path planning, and other topics related to advancing your career. Our goal is to help you learn the skills you need to be a successful software developer. We want to help you understand the underlying concepts of software development so you can build complex systems and solve challenging problems. We also want to help you develop the soft skills you need to be a successful engineer, such as communication, collaboration, and problem-solving. Here you'll learn tips and techniques for practical software development. Subscribe today to learn from experts and senior software engineers and architects from the industry! Check out our channel here:    / @dev-skills   Don’t forget to subscribe! CHECK OUT OUR OTHER VIDEOS ➡︎    • Achieve Success in Payment Gateway #System...   (System Design of UPI Payment Gateway) ➡︎ https://youtube.com/live/VgwDKXSvlBU (System Design of Paytm) ➡︎ https://youtube.com/live/5ToYIiXAJ-4 (System Design of OTT Platforms) ~-~~-~~~-~~-~ Please watch: "DNS Lookup: A Journey from Click to Site #internet #techexplained"    • Dns Lookup: How Your Computer Finds Websit...   ~-~~-~~~-~~-~