Multi-Criteria Optimization of High-Throughput Payment System Architectures Under PCI DSS and Data Localization Requirements

Artem Golovachev

Citation: Artem Golovachev, "Multi-Criteria Optimization of High-Throughput Payment System Architectures Under PCI DSS and Data Localization Requirements", Universal Library of Innovative Research and Studies, Volume 02, Issue 04.

Copyright: This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

Abstract

The study examines approaches to optimizing the construction of payment gateways operating within the legal regimes of the UAE and the Russian Federation, where regulatory prescriptions on the primary placement and storage of information materially constrain the use of services offered by global cloud providers. The purpose of the work is to develop a mathematically grounded model for selecting architectural patterns that aligns performance indicators with parameters of regulatory compliance. The methodological basis relies on the combined use of the Analytic Hierarchy Process and the TOPSIS method to compare and rank alternative solutions—from classical monolithic implementations to distributed microservice configurations. The results indicate the advantage of localized microservice environments when a “customized approach” is applied, as this approach reduces audit scope without degrading the user experience. The conclusions support the hypothesis that architectural adaptivity is attainable through micro-segmentation and programmable compliance under conditions of stringent regulatory pressure. The presented provisions are relevant to fintech platform architects, information security leaders, and banking-sector digital transformation experts focused on reducing risk while scaling payment solutions.


Keywords: High-Throughput Systems, Payment Gateways, PCI DSS 4.0, Data Localization, Microservice Architecture, Multi-Criteria Optimization, AHP, TOPSIS, Information Security, UAE.

Download doi https://doi.org/10.70315/uloap.ulirs.2025.0204023