Payments Technology Mastery Program

This program is ideal for:

• 💻 Technical teams & software developers working in fintech or BFSI

• 🏗 Solution architects & system integrators building payment systems

• 🏦 Banking operations professionals handling switch & settlement systems

• 🧩 Product owners / business analysts seeking deeper technical fluency

Gain an end-to-end understanding of the payments ecosystem, from card issuance to EFT switch integration, covering:

• Functional, operational, and technical perspectives

• Real-world systems like NPCI, VISA, Mastercard, and CBS integrations

• Deep dive into ISO 8583 / ISO 20022 messaging, switch routing, APIs, and security design

Module 1: Payments Domain Fundamentals (Sessions 1–3)

Session 1: Overview of the Global Payments Ecosystem

• Evolution of payments: From legacy to digital

• Key players: Issuer, Acquirer, Network, Regulator

• Payment systems: Retail, Corporate, Real-time, Cross-border

• Card-based, account-based, and tokenized payment models

Session 2: Payment System Architecture

• Front-end to back-end: POS/mobile → Switch → CBS

• Authorization → Clearing → Settlement

• Core components: EFT switch, gateway, host, middleware

• Real-world architecture examples: UPI / VisaNet / Mastercard

Session 3: Payment Messaging and Standards

• ISO 8583 (MTI, DE, Bitmap, Message types)

• ISO 20022 (Business Components, XML Schema)

• Migration implications (8583 → 20022)

• Case study: ATM transaction message flow

Module 2: Card Systems & Issuance Framework (Sessions 4–6)

Session 4: Card Issuance Lifecycle & Components

• Card issuance, CMS, CIM, personalization, and key management

• EMV, Chip, Magnetic Stripe, and Contactless technologies

Session 5: Authorization, Clearing & Settlement

• POS → Switch → Issuer transaction flow

• Online vs offline authorization

• Reconciliation, chargebacks, and settlement models

Session 6: EMV & PCI Standards

• EMV architecture (ARQC/ARPC, cryptograms)

• PCI DSS, PCI PIN, PCI P2PE compliance

• Tokenization and encryption

• Lab: EMV transaction analysis

Module 3: EFT Switch & Integration Frameworks (Sessions 7–9)

Session 7: EFT Switch Architecture

• Role of EFT switch in payment routing

• Authorization, Routing, Queue Management, Logging

• ATM/POS/eCommerce transaction flows

Session 8: Integration Protocols and Interfaces

• ISO 8583 host interfaces, VISA/NPCI connectors

• Alternate channels: ATM, POS, Internet/Mobile banking

• Middleware integration (MQ, ISO Gateways, REST APIs)

• Demo: Switch–CBS–VISA integration

Session 9: Transaction Switching and Routing Logic

• BIN-based routing, load balancing, failover

• Building test simulators and message parsers

• Lab: Trace end-to-end EFT message

Module 4: Core Banking & System Integration (Sessions 10–12)

Session 10: Core Banking Integration

• CBS role in payments

• File-based settlements, middleware, transformations

Session 11: Payment Gateway & API Integration

• REST/SOAP API design, webhooks, authentication

• Integration with fintechs and aggregators

• API management, throttling, and monitoring

• Case study: API layer for card authorization

Session 12: Security, Monitoring & High Availability

• Encryption, MACing, HSMs

• Firewalls, VPNs, DMZs

• HA/DR design principles

• Real-time fraud monitoring

Module 5: Advanced Topics & Future Trends (Sessions 13–15)

Session 13: ISO 20022 Migration & Transformation

• Mapping ISO 8583 → ISO 20022

• XML schema validation

• Testing and migration challenges

• Case study: Card switch migration

Session 14: Emerging Payment Technologies

• API & Open Banking

• Real-time Payments, QR, Tokenized Payments

• AI in Payments: Fraud detection, routing optimization

Session 15: Capstone Project

• Design a modern enterprise payment architecture

• Integration blueprint: Issuer, Acquirer, Switch, CBS

• Compliance: PCI DSS, EMV, RBI

• Final project presentation and certification

After completing this program, participants will be able to:
✅ Design and explain complete payments system architecture
✅ Work with ISO 8583 / ISO 20022 message structures
✅ Integrate EFT switches with CBS, VISA, Mastercard, or NPCI systems
✅ Build secure and compliant card/payment systems
✅ Implement API-based integrations for fintech or digital banking platforms
✅ Leverage AI and automation for reconciliation and fraud analytics

All participants get lifetime access to:

📗 Module-wise PDFs & Diagrams – covering architecture, flows, and message formats
📊 ISO 8583 & ISO 20022 Reference Sheets
🧩 Case Studies – from NPCI, VISA, and leading fintechs
💻 EFT Switch Architecture Diagrams & API Blueprints
📄 Glossary of Payments & Fintech Terms
📝 100+ Interview Questions & Mock Q&A PDFs
🎥 Recorded Sessions (Access for 90 Days)
🎓 Certificate of Completion

• Mode: 100% Online (Live Interactive Sessions)

• Duration: 15 Sessions (Approx. 25 Hours)

• Batch Type: Weekend / Evening

• Next Batch Starts: Very soon

• Batch Size: Limited seats for focused mentoring

✔ Designed by fintech architects & banking technology experts
✔ Balanced functional + technical + operational approach
✔ Focused on interview preparation and system design skills
✔ Includes hands-on case studies and architecture walkthroughs
✔ Dedicated career guidance and post-program support