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Feature Matrix

Comprehensive feature listing for PayNext platform with version information, modules, and usage examples.

Table of Contents

Payment Features

Feature Short description Module / File CLI flag / API Example (path) Notes
Credit Card Processing Process credit/debit card payments payment-service POST /api/payments Payment Example PCI DSS compliant
Multi-Currency Support Accept payments in multiple currencies payment-service currency parameter Multi-Currency Auto conversion
Recurring Payments Subscription and recurring billing payment-service POST /api/payments/subscription Subscription Daily, weekly, monthly
Split Payments Distribute payments among recipients payment-service POST /api/payments/split Split Payment Multiple recipients
Payment Links Generate shareable payment links payment-service POST /api/payments/link - Time-limited links
Bank Transfers ACH and wire transfer support payment-service method=BANK_TRANSFER - 1-3 business days
Digital Wallets Apple Pay, Google Pay integration payment-service method=WALLET - Mobile-optimized
Refunds Process full or partial refunds transaction-service POST /api/transactions/{id}/refund Refunds Instant processing
Chargebacks Handle chargeback disputes transaction-service - - Manual review

Security Features

Feature Short description Module / File CLI flag / API Example (path) Notes
JWT Authentication Token-based authentication common-module/util/JwtUtil.java POST /users/login Auth Example 1-hour expiry
Password Validation Strong password enforcement common-module/util/PasswordValidator.java - User Registration Min 8 chars, complexity
Two-Factor Authentication 2FA with TOTP user-service POST /users/2fa/enable - Google Authenticator
Tokenization Payment data tokenization payment-service Auto-tokenized - PCI DSS Level 1
End-to-End Encryption TLS/SSL encryption All services - - TLS 1.3
Role-Based Access Control User permission management user-service role parameter RBAC USER, MERCHANT, ADMIN
Rate Limiting API request throttling api-gateway - - 1000 req/min
Fraud Detection AI-powered fraud prevention fraud-detection-service POST /predict Fraud Detection Real-time scoring
PCI DSS Compliance Payment card industry standards All payment modules - Security Level 1 compliant
Audit Logging Comprehensive activity logs All services - - Immutable logs

ML/AI Features

Feature Short description Module / File CLI flag / API Example (path) Notes
Fraud Detection ML-based fraud prediction ml_services/fraud POST localhost:5000/predict Fraud ML Random Forest + Isolation Forest
Credit Scoring Automated credit assessment ml_services/credit_scoring POST localhost:5005/predict Credit Score Risk-based scoring
Churn Prediction Customer churn probability ml_services/churn POST localhost:5001/predict Churn Proactive retention
Transaction Categorization Auto-categorize transactions ml_services/categorization POST localhost:5002/predict Categorization 95% accuracy
Recommendation Engine Personalized recommendations ml_services/recommendation POST localhost:5003/predict Recommendations Collaborative filtering
Anomaly Detection Unusual pattern detection ml_services/anomaly_detection POST /predict Anomaly Unsupervised learning
Data Analytics Advanced transaction analytics ml_services/data_analytics - Analytics Business intelligence

User Management Features

Feature Short description Module / File CLI flag / API Example (path) Notes
User Registration Self-service signup user-service POST /users/register Registration Email verification
User Login Authentication user-service POST /users/login Login JWT token issued
Profile Management Update user information user-service PUT /users/profile - Name, email, phone
Password Reset Forgot password flow user-service POST /users/password/reset - Email-based reset
Account Verification Email/phone verification user-service POST /users/verify - OTP verification
Merchant Onboarding Business account setup user-service POST /merchants/register - KYC required
User Roles Role management user-service - RBAC Dynamic permissions

API & Integration Features

Feature Short description Module / File CLI flag / API Example (path) Notes
REST API RESTful API endpoints All services - API Docs JSON format
GraphQL API GraphQL query interface api-gateway - - Coming soon
Webhooks Event-driven notifications notification-service POST /webhooks/subscribe - Real-time events
API Gateway Centralized API routing api-gateway - - Spring Cloud Gateway
Service Discovery Eureka service registry eureka-server - - Auto registration
API Documentation Swagger/OpenAPI docs api-gateway /swagger-ui.html - Interactive docs
SDK Support Client SDKs - - Usage JS, Python, Java
Rate Limiting Request throttling api-gateway - - Per-user limits

DevOps Features

Feature Short description Module / File CLI flag / API Example (path) Notes
Docker Support Containerization docker-compose.yml docker-compose up Installation All services
Kubernetes Deployment K8s orchestration infrastructure/kubernetes helm install K8s Example Helm charts
CI/CD Pipeline GitHub Actions .github/workflows/cicd.yml - - Auto testing & deploy
Infrastructure as Code Terraform configs infrastructure/terraform terraform apply - AWS, GCP, Azure
Service Health Checks Readiness/liveness probes All services /actuator/health - Spring Actuator
Auto-scaling Horizontal pod autoscaling Kubernetes configs - K8s CPU/memory based
Monitoring Prometheus + Grafana infrastructure/monitoring - - Metrics & dashboards
Centralized Logging ELK stack integration infrastructure/logging - - Log aggregation
Backup & Recovery Automated backups scripts/db_manager.sh backup DB Backup Daily backups

Analytics Features

Feature Short description Module / File CLI flag / API Example (path) Notes
Transaction Reports Detailed transaction reports reporting-service GET /api/reports/transactions - CSV, PDF, Excel
Financial Dashboard Real-time analytics web-frontend - - Interactive charts
Custom Reports User-defined reports reporting-service POST /api/reports/custom - Flexible queries
Data Export Export to multiple formats reporting-service GET /api/reports/export - CSV, PDF, Excel, JSON
Business Intelligence Advanced analytics ml_services/data_analytics - - Insights & trends
Revenue Analytics Revenue tracking reporting-service GET /api/reports/revenue - Time-series data
User Activity User behavior analysis reporting-service - - Engagement metrics

Feature Availability by Plan

Feature Category Free Standard Premium Enterprise
Basic Payments ✅ ✅ ✅ ✅
Multi-Currency ❌ ✅ ✅ ✅
Recurring Payments ❌ ✅ ✅ ✅
Fraud Detection Basic Advanced Advanced Custom Models
API Rate Limit 100/min 1000/min 10000/min Unlimited
Support Community Email 24/7 Dedicated
SLA - 99.9% 99.95% 99.99%

Feature Dependencies

Feature Requires Optional
Recurring Payments Payment Service, User Service Notification Service
Fraud Detection Payment Service ML Services
2FA User Service Notification Service
Split Payments Payment Service, Transaction Service -
Reports Export Reporting Service -

Next Steps