REAL TIME PAYMENT THREATS ANALYZER

ABSTRACT
In today’s fast-growing digital era, online payment systems such as UPI, debit cards, credit cards, net
banking, and digital wallets have become an unavoidable part of everyday life. People depend on digital
payment methods for shopping, bill payments, ticket booking, fund transfers, online subscriptions, and business
transactions. Digital payment platforms provide fast and cashless transactions, which increases convenience for
users and reduces dependency on physical cash. Due to the rapid increase in digital transactions, financial
institutions and payment gateways must maintain high performance, quick response time, strong security, and
reliable transaction confirmation. Millions of transactions are processed every second through different banking
and financial platforms, and even a small issue in processing may lead to customer dissatisfaction, financial
disputes, and revenue loss. Therefore, maintaining a stable, scalable, and secure real-time payment environment
has become a major responsibility for banks, fintech companies, and payment gateway prov