About this ebook
Punto Pago: A Practical Guide to Payments, Billing, and Secure Transactions by Subrat Gupta is your hands-on roadmap to understanding how modern payment systems work—from everyday billing flows to secure, reliable transaction processing. If you’re a developer, product manager, fintech professional, or operations lead, this book helps you connect the dots between payment operations, recurring billing, invoicing, reconciliation, and the controls required to reduce risk. Inside, you’ll learn practical concepts and real-world approaches for designing payment experiences that are accurate, resilient, and compliant. The guide breaks down key topics such as payment workflows, transaction states, authentication and authorization fundamentals, secure data handling, and best practices for building trustworthy billing processes. You’ll also explore how to think about failures, retries, idempotency, and auditability—so your systems behave predictably even under pressure. Whether you’re improving an existing platform or planning a new integration, Punto Pago gives you the clarity to make informed decisions about payment and billing architecture. It’s written to be actionable and easy to apply, with a focus on secure transactions and operational correctness. With Subrat Gupta’s practical perspective, you’ll gain the confidence to build systems that customers can rely on and teams can maintain—making this guide an essential companion for anyone working in the payments and fintech ecosystem.
Punto Pago: A Practical Guide to Payments, Billing, and Secure Transactions by Subrat Gupta is your hands-on roadmap to understanding how modern payment systems work—from everyday billing flows to secure, reliable transaction processing. If you’re a developer, product manager, fintech professiona...
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About the author
Subrat Gupta is a payments and technology professional with deep experience across transaction workflows, billing operations, and secure system design. He has worked on building and improving payment-related solutions where reliability, auditability, and security are essential. Subrat brings a practical, implementation-focused approach to complex payment concepts, helping teams translate requirements into dependable systems. In Punto Pago, he shares his expertise to help readers understand how to create secure, efficient payment and billing experiences from end to end.
Subrat Gupta is a payments and technology professional with deep experience across transaction workflows, billing operations, and secure system design. He has worked on building and improving payment-related solutions where reliability, auditability, and security are essential. Subrat brings a pr...
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