Process, Questions & AI Prep Tips
Razorpay is India's leading payments and financial services platform, processing billions of dollars in transactions for over 8 million businesses. Engineering challenges include building UPI (Unified Payments Interface) infrastructure, the payment routing system that maximizes success rates across multiple banks, business banking products, and the fintech APIs that power India's digital payments revolution.
A 30-minute call about your background in fintech infrastructure, payment systems, or financial APIs.
A 60-minute coding interview covering algorithms and data structures.
Design a Razorpay system such as the payment routing engine, UPI integration layer, fraud detection system, or merchant settlement pipeline.
Two to three rounds covering payment systems design, coding, and behavioral interviews.
Design Razorpay's payment routing engine that selects the optimal bank gateway to maximize transaction success rates.
How would you build a UPI (Unified Payments Interface) integration that handles real-time payment confirmation?
Design a merchant settlement system that batches and disburses payments to 8 million merchants daily.
How would you implement a fraud detection system that blocks suspicious transactions in real time without false positives?
Design the Razorpay payment link system that allows merchants to create and share payment requests.
How would you build a retry logic system that automatically retries failed payments through alternate gateways?
Design a real-time dashboard for merchants showing payment analytics and dispute management.
How would you implement PCI DSS compliance for storing and processing payment card data?
Design the Razorpay neobank current account that integrates with the payment processing system.
Tell me about a time you built financial infrastructure where idempotency and consistency were critical.
Study UPI (Unified Payments Interface) architecture — it is the backbone of Indian digital payments and understanding how NPCI, banks, and payment apps interact is essential.
Review PCI DSS compliance requirements for payment data — tokenization, encryption, and network segmentation are fundamental.
Understand payment routing optimization — how payment aggregators dynamically route transactions based on success rate, cost, and latency.
Study idempotency patterns for financial transactions — double-charge prevention and deduplication are critical fintech engineering challenges.
Razorpay operates in the Indian fintech ecosystem — understanding RBI regulations, NPCI infrastructure (UPI, IMPS, NEFT, RTGS), and Indian banking structure is valuable.
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