M2P Fintech API documentation

High-Level Platform Architecture

Each service is:

Independently deployable — No system-wide release required
Independently scalable — Scale transaction engine without touching card management
Resilient — Service failures are isolated; no cascading failures
API-first — Every capability is accessible via REST API

Dimension	Detail
Orchestration	Kubernetes with auto-scaling
High Availability	Multi-zone deployment, automatic failover
Disaster Recovery	Active-passive DR with configurable RPO/RTO
Multi-Region	Regional deployments for India and GCC
Monitoring	Real-time health monitoring, alerting, and SLA tracking
CI/CD	Automated pipelines — build, test, deploy in hours

Standard	Coverage
PCI-SSF	Certified
PCI-DSS	Level 1 certification path — cardholder data protection, secure network, access controls
Data Encryption	AES-256 at rest; TLS 1.2+ in transit; HSM for cryptographic operations
Data Localization	Compliant with India (RBI) and GCC data residency requirements
Access Control	Role-based access (RBAC), multi-level approval workflows, complete audit trails
Tokenization	Network tokenization (VTS, MDES, RuPay) for mobile wallet security
Key Management	Vault-based secrets management with automated key rotation

A dedicated Forward Deployed Engineer (FDE) is embedded with the client during implementation:

Property	Detail
Dedicated Engineer	DCMS support team engineer embedded with the client
Acceleration	Go-live in weeks, not months
No-Code Tools	Combined with Connect for rapid CBS integration
On-Site	Handles integration, configuration, and customization
Transition	Moves to remote support post-launch

Industry Differentiator

The FDE model is unique in the industry. Competitors rely on traditional System Integrator (SI) models with 3–6 month customization cycles.