I'm developing an internal web application that will handle high-value payments (over ₹10 lakhs) and will feature a delayed approval workflow. I have a few questions: 1. Is Next.js a solid choice for a payment-heavy application? 2. For such large sums, should I still use a payment gateway? 3. If using a gateway is advisable, which Indian gateways are reliable for high-value transactions and compliant with regulations? 4. Are there any potential issues with my technology stack, which includes Next.js, a backend API, a payment gateway, and a relational database with audit logs? I'm looking for technical insights only, not product suggestions.
1 Answer
Next.js works well for the frontend, but keep in mind the payment gateway does the heavy lifting for transactions. Yes, definitely use a gateway; you don't want to handle all the licensing yourself. Razorpay and Instamojo are both good for high-value transactions, just make sure their settlement times work with your workflow. Pay special attention to audit logging and implement idempotency keys to avoid double-charging someone ₹10 lakhs if your retry logic has a hiccup. Overall, your stack looks good, just ensure you're PCI compliant since your backend will touch sensitive transaction data. Also, rigorously test your delayed approval workflow because once money moves, it's hard to reverse!
That makes sense. Quick follow-up: Can I comfortably run this as a full-stack Next.js app using Cloudflare workers for both the backend and frontend? I'm thinking API routes and server actions for handling approvals and state transitions, along with gateway webhooks. Also, I’m not very familiar with PCI. What are common mistakes to avoid when using a third-party payment gateway like Razorpay? Thanks a ton for your insights!