Cloud-Native Payment Infrastructure Platform

Client Overview

The client is a fintech company based in Europe, focused on building next-generation payment infrastructure.

Founded in the early 2020s, the organization develops a cloud-native, decentralized issuer processing platform designed to support real-time payments across global networks.

Built entirely on modern cloud infrastructure, the platform enables banks, neobanks, and fintech organizations to process digital payments seamlessly across major international card networks.

The company is also recognized for its commitment to sustainable innovation, achieving global certification standards that reflect strong environmental and social responsibility practices.

Business Challenge

Modern financial institutions require highly scalable payment infrastructure capable of handling:

• Large transaction volumes
• Real-time payment processing
• Secure tokenization and card lifecycle management
• Integration with global card networks

This client needed additional engineering capacity to accelerate development of its tokenization services and cloud infrastructure, while maintaining strict security standards required in the financial sector.

NSC Solution

NSC provided a 5 engineer staff augmentation team to support the development of the platform’s core processing modules and cloud infrastructure.

Payment Tokenization Platform

NSC engineers developed tokenization services supporting global card networks.

Key capabilities include:

• Token lifecycle management (creation, activation, suspension, cancellation)
• Token inquiry and card status verification
• Secure encryption and decryption of payment data
• Processing card lifecycle updates (PAN replacement and card updates)

Global Payment Network Integration

The platform integrates with digital services provided by major card networks.

Integration work included:

• Mastercard Digital Enablement Service (MDES)
• Visa Token Service (VTS)
• Request/response data processing
• API development for card lifecycle management

Cloud Infrastructure Engineering

NSC engineers helped build and manage the system’s cloud-native architecture using container orchestration and microservices.

This included:

• EKS cluster management
• Infrastructure automation
• Secure secrets management

Service mesh configuration

Technology Stack

Backend & Services

• Golang
• gRPC

Cloud Infrastructure

• AWS EKS
• Karpenter
• Istio
• Vault

Payment Network Integration

• Visa APIs
• Mastercard libraries
  

Business Impact

Through this collaboration, the CLOWD9 platform gained:

• Scalable cloud-native payment processing architecture
• Secure tokenization services for Visa and Mastercard networks
• Improved infrastructure reliability through Kubernetes-based deployment
• Faster development cycles for new financial services features

The system now supports real-time digital payments for banks and fintech companies globally.