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Mastercard

Mastercard

Payments infrastructure · via BairesDev

Fintech2024
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Senior Software Engineer · via BairesDev

Context

Mastercard’s multitenant payment infrastructure: many internal consumers hitting the same APIs, with latency and tenant isolation requirements that are not negotiable.

The challenge

Process financial events in near real time while giving internal teams reusable APIs and per-tenant analytics, without any single consumer being able to degrade the others.

What it does

  • Multitenant API gateway with rate limiting
  • Near real-time financial event ingestion
  • Fraud detection and risk scoring
  • Per-tenant analytics on OLAP
  • Internal transaction monitoring dashboards

What I did

  • Designed internal APIs and reusable backend components: Python API gateways and middleware for routing, rate limiting and tenant-scoped authentication.
  • Built Python consumers and producers over Kafka and gRPC, with Protobuf schema validation, for the low-latency event ingestion system.
  • Integrated MCP-based AI models for fraud detection and risk scoring through secure API wrappers.
  • Designed schema strategies for ClickHouse OLAP tables, optimizing cross-tenant analytics workloads.
  • Built and maintained ingestion and transformation pipelines with Apache Airflow, authoring the DAGs for ETL flows and reporting layers.
  • Developed internal React tools for transaction monitoring: visualizing payment flows, spotting anomalies and drilling into per-tenant metrics.

Stack

Python
API gatewayMiddlewareKafka consumersApache Airflow
Messaging
Apache KafkagRPCProtobuf
Data
ClickHousePostgreSQLETL
JavaScript
ReactDashboards
AI
MCPRisk scoring
Multitenant
Rate limitingTenant authData isolation

Services practised here

  • Platforms & Distributed SystemsWhen a product grows, the problem stops being a feature and becomes how the services talk to each other. That is where service boundaries, event delivery and flows that cannot be lost along the way come in.
  • AI Integration & AutomationModels and agents go into the product you already have with the same discipline as any other service: a contract of your own, cost limits and a log of what they did.

Outcome

Three years on the same platform. Multitenant design stopped being a one-off architectural decision: every endpoint, table and dashboard is designed knowing which tenant each piece of data belongs to.

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