Context
RIPSA is a tax and service collection network with over 1,000 branches distributed nationwide. Its historical strength was in-person bill collection, but the advance of digital payments posed a dilemma: its clients — service-providing companies — were starting to demand alternatives to counter-based collection, and competitors were already offering them.
The Challenge
Design and implement from scratch a platform that would allow RIPSA to offer its registered companies a complete suite of digital payments, without dismantling its physical network, but rather enhancing it. The solution had to integrate with existing collection flows, support multiple payment providers and scale to the entire branch network.
The Solution
I led the development of a solution that integrated three digital payment modalities directly into the collection flows of service providers:
- QR Payment — compatible with all digital wallets and banking apps; embeddable in invoices and receipts.
- CVU Transfers — direct collection to a virtual account, with no friction for the payer.
- Payment Button — email-sendable links with credit and debit card support.
The architecture was designed to process payments asynchronously and resiliently across multiple providers, with distributed traceability of each transaction and real-time monitoring of the network’s status.
Impact
- Positioned RIPSA within the digital payments ecosystem without discontinuing its in-person collection network.
- Gave the company a significant competitive advantage over other payment networks.
- Registered service providers were able to diversify their collection channels without needing their own development.
Technologies
- .NET — backend and payment processing
- RabbitMQ — asynchronous messaging between services
- Grafana + Prometheus — real-time monitoring and metrics
- Blazor — web interface
- OpenTelemetry + Zipkin — distributed traceability
- Ocelot Gateway — API gateway
- SQL Server — persistence
- Hangfire — background job processing
- Portainer — container management