Payments & Banking Knowledge Base
ISO standards, card processing, gateways, reconciliation, fraud, compliance, and core banking concepts for production payment systems.
ISO 8583
Card transaction message standard for authorization and settlement
ISO 20022
XML/JSON messaging standard replacing legacy formats for cross-border payments
EMV
Chip card standard — cryptograms, ARQC/ARPC, and terminal authentication
PCI DSS
Payment Card Industry Data Security Standard — scope, controls, and compliance
Payment Gateway Internals
How gateways route, tokenize, and orchestrate multi-acquirer payments
Authorization / Clearing / Settlement
The three phases of card payment lifecycle
Reconciliation Engine
Matching gateway, acquirer, bank, and ledger records
Fraud Detection
Real-time rules, ML scoring, and velocity checks
Chargebacks
Dispute lifecycle, reason codes, representment, and prevention
Core Banking
CBS architecture — accounts, products, GL, and integration patterns
Card Processing
Acquiring, issuing, BIN sponsorship, and network routing
SWIFT
SWIFT MT/MX messages, BIC, correspondent banking
UPI Architecture
Unified Payments Interface — NPCI, PSP, and real-time push/pull
Ledger Design
Double-entry, immutable journal, and balance materialization
Treasury Basics
Cash management, liquidity, FX, and nostro/vostro accounts
Risk Engine
Credit risk, operational risk, and real-time decisioning
AML / KYC
Customer due diligence, sanctions screening, and SAR filing
Tokenization
Network tokens, vault tokens, and PCI scope reduction
HSM & Cryptography
Hardware Security Modules for PIN, keys, and EMV cryptograms