Treffer: Architecting Resilient Online Transaction Platforms with Java in a Cloud-Native World

The exponential growth of digital payments and e-commerce has revolutionized the consumer purchasing experience, enabling seamless transactions across borders. In this landscape, electronic money (e-money) and digital payment platforms have emerged as key enablers, optimized transaction efficiency and enhancing communication between businesses and financial institutions. As these solutions become integral to global commerce, the resilience of payment platforms—particularly within cloud-native architectures—has become a critical concern. This paper examines the integration of cloud-native design principles into modern payment platforms, emphasizing the need for architectural approaches that prioritize resilience, scalability, and security. As businesses increasingly rely on digital payment solutions, the demand for platforms capable of handling fluctuating transaction volumes and potential security threats is more pressing than ever. The research focuses on best practices for building resilient payment systems using Java and Spring Boot, exploring how cloud-native techniques such as microservices architecture improve agility and responsiveness. Additionally, it highlights the importance of employing layered security strategies and automated resilience mechanisms—such as circuit breakers and bulkheads—to safeguard system reliability. This study offers a comprehensive guide to architecting secure, resilient, and adaptable payment platforms that meet the evolving demands of the digital economy