#Payments on AWS
Practical guides, reference architecture, and deployable examples for building real-time payments systems (UK Faster Payments / SEPA-like) on AWS. Focus: reliability, low latency, auditability, compliance, and secure AI decisioning.
This repo collects architecture diagrams, and reference code for engineers and architects building platforms on AWS. Content is written for technical decision-makers: CTOs, platform engineers, SREs, and payment product owners.
- Real-time payments architecture patterns (ingest → routing → clearing → settlement)
- Tokenisation & secure data vaults (KMS + DynamoDB patterns)
- Idempotency, exactly-once delivery, and deduplication strategies
- Queue agents, stream processing, and intelligent routing with LLM agents (audit trail + tokenised prompts)
- Multi-region resilience, latency compensation, and failover strategies
- Observability: tracing, metrics, distributed logs, and tamper-evident audit trails
- FinOps for payments: cost-per-transaction models and autoscaling strategies
- Regulatory mapping: GDPR, FCA/PSR, PCI considerations for payments data
- Envelope encryption (AWS KMS) for all sensitive payloads; use
EncryptionContext. - Token vault pattern: KMS + DynamoDB; detokenize endpoints protected and audited.
- Enforce TLS for all service-to-service traffic. Use VPC endpoints for DynamoDB/KMS where required.
- IAM: least-privilege roles for Lambdas/services; require approved role assumption for admin tasks.
- Audit & evidence: CloudTrail for KMS + DynamoDB, immutable logs for detokenize operations, retain per compliance retention policy.
- Data sovereignty: map data flows and restrict storage to allowed regions per
compliance/guidance. - Incident response: include incident playbook in
templates/and run quarterly tabletop exercises.
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