Qatar Real Time Payment

Overview

The Qatar Central Bank Immediate Payment (QCBIP) system is a real-time payment platform that enables instant money transfers across banks in Qatar.
It ensures funds are transferred within seconds, providing 24/7/365 availability for domestic transactions.

• Settlement: Real-time gross settlement (RTGS) based.
• Availability: Continuous, instant fund transfers.
• Use Cases: Person-to-Person (P2P), Person-to-Business (P2B), and business payments.

Reference - Qatar Central Bank

My Contribution

• Designed and developed QCBIP Payment System for both sponsor and destination bank sides.
• Enhanced RCPI and NCPI flows to prevent SLA violations within 1 second.
• Implemented Return functionality with confirmations and verification responses.

Tech Stack

• Node.js · LoopBack.io · Redis · Node-RED · RabbitMQ · Microservices · XML · JavaScript · JSON