Mifos Docs
Technical Overview
Information on the concept and implementation of the Payment Hub Enterprise Edition
In this section, we'll provide an overview of the Payment Hub EE - the business requirements it supports, the architecture it's built on and the current status of the code.


The Payment Hub is a self contained application to enable a financial institution (DFSP - digital financial service provider) to integrate its various core banking systems (AMS - account management system), its banking channels, where customers initiate payment transactions and the various payment schemas that funds could be transferred.


Enable DFSPs running various core banking platforms to rapidly connect to the Mojaloop or other payment schemas with a fully auditable manner, where their payment operators will have access to their own records and mechanism for investigation and interaction with transactions.


Logical Model of the Payment Hub
The role of the Payment Hub EE at a DFSP


Key architectural considerations

  • Running on on-premises and cloud infrastructures, utilising Kubernetes
  • Separate real-time engine and operations backend systems
  • The Payment Realtime Engine is self contained, highly available and fault tolerant, can handle complete transaction flows
  • Orchestrating the microservices are desired
    • handling timeouts
    • correlations of asynchronous events
    • handling error and exception scenarios with the necessary compensations
    • overview of in-flight transactions
  • A Payment Realtime Engine manages the state machine using a microservice orchestration layer
    • Using Raft for consensus and log replication
    • Using RocksDB for key-value store of states
    • Does not use external NoSQL or Relational DB, which hinders scalability
  • One engine is bounded to a single data center, for high performance, low latency and minimizing issues from network failure scenarios
  • Multiple realtime engines could run parallel and independent
    • Protect against complete site failure
    • 24x7, 99.99+% availability operations require version upgrades, certificate changes, hardware replacement, … without interruption of the service
    • If payment network supports the notion of independent engines at a single DFSP, than routing could happen at the Switch, otherwise, the Payment Hub realtime engines could hand over the callbacks amongst each-other internally
  • Systems for backoffice operations, including long term storage database, audit logging, monitoring, reconciliation - detached in a separate cluster
    • These components could be offline without any payment service interruption and data loss - the realtime engines Kafka layer keeps the records
    • “Operations systems” are not performance critical
    • Backoffice user access allowed only to these components, not the realtime engines

Internal structure of the Payment Hub EE

  • Process orchestration by Zeebe
  • Mojaloop connector
  • Channel connector
  • AMS connector
  • Audit Streamer
  • Operations Streamer
  • Operations App
  • Operations Frontend
Payment Hub EE internal structure
Copy link
On this page