App & Web Development
End-to-End Payment Infrastructure — Bajaj Finserv
Building a payment portal for one of India's largest fintech super-apps means building to the Reserve Bank of India's rulebook from day one — UPI and NPCI aren't just integrations, they're a regulatory framework you can't get wrong. I built that portal end-to-end, and the payment success rate tells the story: 75% to 95%.
Year
2020–2022
Location
Downtown Studio, Los Angeles
Client
Bajaj Finserv
Role
iOS Product Engineer
Deliverables
End-to-end payment portal built to UPI and NPCI guidelines, per Reserve Bank of India regulatory standards
Duration
2020–2022
Approach
How It Came Together
Bajaj Finserv needed a payment portal that could handle UPI and NPCI transactions at scale while staying compliant with RBI guidelines — a space where a single implementation error doesn't just mean a bug, it means a regulatory or financial liability. I built the portal from the ground up: transaction flows, bank-side integration, and the compliance layer that kept every payment within RBI's UPI and NPCI standards.
The payment success rate — 75% to 95% — was the direct measure of whether the system actually worked at production scale, across millions of transactions on one of India's largest fintech super-apps. The work was recognised internally with the Bajaj Finserv Heroes Award.
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