W2Bill PAYMENTS whitepaper


Transact – online and offline


w2bill Payments manages the request of funds, tracks its defined time-to-live, handles the acceptance and rejection responses, and reconciles the information with the infrastructure’s systems, regardless of their roles.

w2bill Payments provides:

Processing and generating files offline: received from or sent to financial institutions
Supporting and enabling: real-time payment requesting, cancellation, confirmation and rejection
Real-time communication models: synchronous and asynchronous
New payment channels (different protocols)
Fault Tolerance: designed through component clustering
No central point of failure
Omni Data: multiple data persistency solution support
Inter-component communication through messaging: for
at-least-once delivery assurance


E-commerce platforms store consumer information
‘Stored credentials’ result in a fierce competition between fintech startups, credit card providers and other payment handlers
Players want to ensure a friction-free and real-time payment experience
Success is measured by the ability to capture quick counter-consumption payments, best suited to the customer’s location


High pressure into operating costs
Accommodate markets ‘mood-swings’
Endure constant shifts and compete being as light-weighted as possible
Be able to change, transform and scale supporting activities and infrastructures
Reduce Time to Market (TTM)



Enables complex task management
Package of micro-services executing flows of tasks in a variety of platforms
Each flow can be fully configured, allowing sequential or parallel tasks
Features three main classes of components:


  • Main entry point of any request
  • Capability to perform technical validations
  • Provides several services (endpoints) to be invoked based on user configuration


  • Oversees the control of the flow of tasks
  • Tracks the evolution of each task
  • Message-enabled communication between components


  • Responsible for the actual running of the work tasks
  • Self-scaling within its available resources
  • Each component is dedicated to a work domain dependent on customer requirements and constraints

PAYMENTS is packaged as a set of micro-services, each responsible for a certain domain of actions

Allows new components to be added or old ones removed without jeopardizing its consistency

New micro-services can be incorporated without disrupting the existing platform
Customers can grow and adapt without fearing loss of service

Still in doubt about Payments?

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