Building Resilient APIs for Global Digital Payment Infrastructure
DOI:
https://doi.org/10.15662/IJARCST.2023.0605003Keywords:
Resilient APIs, API resilience, High-performance APIs, Digital payment infrastructure, Global payment systems, Payment APIsAbstract
Application programming interfaces (APIs) are the backbone of global digital payment infrastructure, enabling secure, real-time connectivity between banks, fintech platforms, merchants, and consumers. As transaction volumes surge and cross-border payment ecosystems expand, the resilience and performance of payment APIs become mission-critical. Outages or latency spikes can directly result in revenue loss, regulatory penalties, and erosion of consumer trust. Traditional design approaches optimized for functionality alone are insufficient at global scale.
This article examines the principles and practices required to build resilient, high-performance APIs for digital payments. Emphasis is placed on low-latency design, failover mechanisms, and throughput optimization in mission-critical contexts. Composite case studies drawn from banking, fintech, and e-commerce illustrate how organizations achieve ~30% faster response times and enhanced fault tolerance through architectural choices such as asynchronous processing, intelligent caching, geo-distributed failover, and real-time monitoring. Metrics-driven evidence demonstrates reductions in error rates, improvements in transaction per second (TPS) throughput, and measurable gains in customer experience.
The contribution of this study is twofold: first, it identifies the technical and operational challenges faced when deploying APIs at global payment scale; second, it synthesizes strategies and empirical outcomes into actionable guidance for practitioners. By adopting resilient API architectures, enterprises can deliver the performance, reliability, and compliance demanded by the global digital economy.
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