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Platform architecture

The engine behind every Rupeeco API

Financial APIs fail in specific, boring ways: a bank window closes, a partner times out, a webhook is delivered twice. The Rupeeco core platform exists to absorb those failures before they reach your product.

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Layered by design

Core platform and infrastructure layers

Every suite calls through the same core services. That is why behaviour is consistent whether you are creating a payment or verifying a GSTIN.

Core Platform LayerThe engine every API runs on

API Gateway

Single entry point with regional routing and versioned contracts.

Auth & Authorization

Scoped keys, OAuth2, IP allowlists and granular RBAC.

Rate Limiting

Per-key throttling and burst control that protects downstream banks.

Logging & Monitoring

Full request tracing with 90-day searchable retention.

Caching

Hot-path caching for verification and catalogue reads.

Event Processing

Exactly-once webhooks with replay and dead-letter handling.

Workflow Orchestration

Multi-step financial flows with compensating transactions.

Data Security

AES-256 at rest, TLS 1.3 in transit, HSM-backed key custody.

Infrastructure & Data LayerBuilt for availability and recovery

Cloud Infrastructure

AWS, GCP and Azure with active-active regions.

Microservices

Independently deployable services per domain.

Database Cluster

SQL and NoSQL clusters with synchronous replicas.

Data Warehouse

Columnar analytics store feeding every report.

High Availability

Auto-scaling with zero-downtime deploys.

Disaster Recovery

Multi-region failover with tested RPO/RTO.

System map

How the pieces fit together

From the businesses that integrate, through the API hub and core platform, down to banks and partners — and back out as value for your business.

Who uses Rupeeco

  • Startups
  • SaaS platforms
  • Marketplaces & e-commerce
  • Enterprises & SMEs
  • Developers

How you access it

  • API integration
  • Developer portal
  • Dashboard

What you get

  • One integration
  • Multiple services
  • Maximum value
Rupeeco API Hub — one unified platform

01Verification Suite

  • PAN Verification
  • Aadhaar Verification
  • GST Verification
  • CIN Verification

02Payments

  • Payment Gateway Orchestration
  • Smart Routing
  • Automatic Failover
  • Retry Logic

03Collection Suite

  • QR (Static & Dynamic)
  • Payment Links
  • Virtual Accounts
  • UPI Collect

04Commerce APIs

  • Invoice Generation
  • Subscription Billing
  • GST e-Invoice & e-Way
  • ERP Connectors

05Analytics & Insights

  • Live Dashboard
  • AI Reports
  • Auto Reconciliation
  • Cohort Analysis

06Fraud & Risk Engine

  • Risk Scoring
  • Velocity Rules
  • Device Intelligence
  • AML & Sanctions Monitoring

07API Marketplace

  • 100+ APIs
  • Subscribe & Use
  • Self Onboarding
  • Usage & Billing

08Banking APIs

  • Account Aggregator
  • Escrow Accounts
  • eMandate (NACH/UPI)
  • Current Account APIs
Rupeeco core platform layer — the engine
  • API Gateway
  • Auth & Authorization
  • Rate Limiting
  • Logging & Monitoring
  • Caching
  • Event Processing
  • Workflow Orchestration
  • Data Security
Infrastructure & data layer
  • Cloud Infrastructure
  • Microservices
  • Database Cluster
  • Data Warehouse
  • High Availability
  • Disaster Recovery
Partner & integrations ecosystem

Payment Gateways

  • Razorpay
  • Cashfree
  • Paytm
  • PayU
  • CCAvenue
  • BillDesk
  • Juspay
  • Easebuzz

Verification Partners

  • Protean
  • IDfy
  • SignDesk
  • Suro
  • AuthBridge
  • Veri5

Banking Partners

  • HDFC Bank
  • ICICI Bank
  • Axis Bank
  • YES Bank
  • Kotak

Other Integrations

  • SMS / Email Providers
  • KYC Data Sources
  • Account Aggregators
  • Insurance Partners
  • Credit Bureaus

Value for businesses

  • One integration
  • Multiple financial services
  • Higher success rates
  • Lower costs
  • Better reconciliation
  • Faster go-to-market

Measured outcomes

  • 12%

    Higher payment success rate with smart routing

  • 70%

    Less engineering effort than integrating vendors directly

  • 90%

    Of settlements auto-reconciled on day one

  • 45%

    Reduction in fraud-related chargebacks

Security & compliance

Bank-grade controls, documented and testable

Security is an architecture decision, not a checklist item bolted on before an audit.

Encryption everywhere

AES-256 at rest, TLS 1.3 in transit, field-level encryption for PII and card data.

Key custody

HSM-backed key management with scheduled rotation and split-knowledge access.

Access control

Scoped API keys, OAuth2 client credentials, IP allowlists and granular RBAC per team.

Audit trails

Immutable logs of every API call, dashboard action and configuration change.

Data residency

All customer and transaction data stored and processed within India.

Resilience testing

Regular failover drills, load tests and disaster-recovery exercises with published RPO/RTO.

99.98%

Target platform uptime

180 ms

Median API response time

< 10 ms

Inline risk decision latency

Multi-region

Active-active failover

Try first. Subscribe later.

Start with sandbox keys. Talk commercials when you are ready.

Test the full API surface before you sign anything. When you are ready to go live, we price on the volume you actually process.

1

Map your flows

A solutions engineer walks through your money-in, money-out and verification requirements and proposes the shortest path live.

2

Test in sandbox

Pull keys, replay real-world scenarios and validate webhooks against a sandbox that mirrors production behaviour.

3

Go live and scale

Switch to production keys, turn on routing rules, and add new suites from the marketplace whenever you need them.

Get in touchor email director@rupeeco.in