A Robust Payment Platform Supporting Multiple Gateways



Abhinav Kuswaha

Abhinav Kuswaha



IRCTC Payment Aggregator (PA) is a critical system designed to facilitate seamless online transactions for various IRCTC services. It integrates multiple payment gateways, enhancing the flexibility and efficiency of digital payments.


• Integration Complexity : Managing the integration of diverse payment gateways while ensuring consistent user experience and security.

• Payment Reliability :Enhancing the reliability and success rate of transactions across different payment platforms.

• Scalability :Ensuring the system can handle high volumes of transactions during peak travel times without disruptions.


• Multiple Payment Gateways :Integrated with major payment gateways like Razorpay, PayTM PG, and ICICI PG, with plans to expand to more gateways.

• Rolling Deposit System (RDS) :Implemented an innovative RDS for reconciliation, where payment gateways deposit money beforehand to maintain a balance, ensuring they are only enabled while their balance is above a specified threshold. This unique feature sets IRCTC PA apart from competitors like Juspay.

Impact and Achievements

• Enhanced Payment Flexibility and Security :Provided IRCTC with a more flexible and secure payment processing environment, improving customer satisfaction.

• Increased Transaction Success Rates :Improved the reliability of payment transactions, reducing failures and enhancing user trust.

• Innovative Financial Management :The RDS feature has revolutionised how payment gateways interact with the platform, offering a novel approach to managing funds and maintaining service continuity.


This was a difficult task as the app design had to be such that it was easily accessible to users with limited digital literacy, and in remote locations without strong network.

Akanksha Kapoor

Partnerships Leader, GE Healthcare


100+ million lives touched