How 3DS Authentication Works in Payment Systems
A practical walkthrough of authentication requests, issuer challenge flows, gateway handoffs, status mapping, and production failure modes.
Software Engineer @ Juspay
Building payment infrastructure, authentication systems, and risk pipelines for real-world transaction platforms.
Lead developer for Air India integration
$ whoami
backend/platform engineer @ Juspay
$ focus
payment auth, risk systems, merchant analytics, production reliability
$ status
Open to SDE/backend/platform roles
250K+
monthly card transactions supported
Lead dev
Air India integration
Tech lead
AIX integration
20M/day
Express Checkout analytics support
NIT
Durgapur CSE
Juspay
Associate SDE
Engineering Impact
Selected work across payment authentication, merchant integrations, wallet routing, fraud risk, and analytics.
Architecture Thinking
The diagrams are sanitized, but the concerns are real: contracts, state, provider behavior, observability, and failure modes.
Authentication state moves through merchant checkout, Euler, UAS, 3DS provider, gateway, and issuer response.
Risk controls and provider scoring operate before payment, after payment, and before refund decisions.
Transaction events and exchange-rate data become normalized metrics for global merchant dashboards.
Case Studies
Each case study is written at a high level to show the engineering judgment without exposing confidential internals.
Principles
Production systems reward clear recovery paths, bounded complexity, and predictable behavior under pressure.
A payment flow is not complete until operators can explain what happened, where it failed, and what to do next.
Strong contracts reduce ambiguity between merchants, providers, gateways, and internal services.
Retries, idempotency, validation, secure forwarding, and fallback paths are core design material.
The work includes rollout readiness, monitoring, incident feedback, and keeping the system understandable.
Before code gets complicated, the hard questions are usually correctness, shape of data, and behavior during partial failure.
Writing
Realistic article drafts and notes for topics that map directly to Yogesh's backend/platform work.
A practical walkthrough of authentication requests, issuer challenge flows, gateway handoffs, status mapping, and production failure modes.
Notes on exchange-rate ingestion, normalized storage, query-time conversion, and why analytics correctness is a trust feature.
How risk systems change when scoring spans transaction intent, payment completion, refund review, and operational feedback.
A sanitized systems note on tokenized payments, encrypted/decrypted flow selection, gateway capabilities, and secure forwarding.
A production-oriented view of duplicate requests, retries, status reconciliation, and designing APIs that survive network uncertainty.
Lessons from staying close to production: alerts, dashboards, failure narratives, ownership boundaries, and operational judgment.
Recruiter CTA
I bring production ownership across payment authentication, risk systems, merchant integrations, analytics pipelines, and reliability-focused backend engineering.