Mindgate Solutions Transforms Real-Time Payments with Confluent’s Event-Driven Data Streaming Platform

Mindgate Solutions is a leading digital payments platform provider, processing over 10 billion transactions monthly across 60+ banks and payment providers in India, the Middle East, and ASEAN. Mindgate’s platform provides banks and financial institutions a faster “Go To Market Strategy” that saves both time and cost while ensuring the highest standard of compliance and security. They are powering real-time retail payments, corporate transaction banking, government business banking, seamless digital transactions, and business growth.

The massive shift to digital, instant payments has created a 24/7 transaction environment, fueled by platforms like UPI (unified payments interface) and emerging systems such as CBDC (Central Bank Digital Currency). Mindgate Solutions’ legacy systems were unable to scale to meet this demand and lacked the sophisticated, real-time fraud controls required for billions of transactions. They needed to rebuild their payment infrastructure backbone to achieve the necessary scalability and resilience for a critical national scale system. Failure to do so risked catastrophic system downtime, eroding public trust, and exposing the entire financial ecosystem to unacceptable fraud risk.

To address these challenges, Mindgate Solutions fully rebuilt their payment infrastructure around an event-driven architecture, with the Confluent data streaming platform for Apache Kafka® serving as its core backbone. They decided to transition from slow batch processing to seamless, continuous access to high-quality data, allowing them to process and act on data in real-time to deliver enriched customer experiences and instant security. They chose Confluent over open-source technology for its enterprise-grade stability, which provides lower operational risks and significant cost savings, enabling their teams to focus entirely on their core financial offerings. 

Why Confluent

Unlike other solutions, Confluent offers the hyper-scalability required to handle millions of transactions per second, provides ultra-resilience through multi-region deployments to ensure zero downtime, and delivers the low-latency streaming necessary for real-time compliance and fraud detection. Confluent’s enterprise-grade data streaming platform guarantees the cost efficiency and simplified operations that allow them to confidently scale while ensuring high reliability and security.

Beyond the technology, their OEM partnership with Confluent provided the dedicated technical expertise, formal design reviews, and flexible commercial terms that significantly accelerated their time-to-market.

Impact and Success

By embedding the Confluent data streaming platform for Kafka at the core of their payment infrastructure, Mindgate Solutions unlocked unparalleled scale and success in India's digital finance landscape. This strategic shift allowed them to power UPI at scale, managing a capacity of 1 billion transactions per day, and to dominate the central bank digital currency space by handling 75% of India’s CBDC pilot transaction volumes. Furthermore, their transaction banking solutions actively serve 15 major banks and support 10 million merchants. 

This proven technological leadership has earned them prestigious recognition and awards including ET Best Tech Brands 2024, Fintech Company of the Year at IBS Awards 2024, and Best Digital Collections Platform – MEA Finance Leaders in Payments 2024.