Pay By Bank

• Payments architects and engineers responsible for designing and modernizing payment infrastructure 
• Product and technology leaders driving payments innovation, scalability, and system flexibility 
• Payments and platform teams managing orchestration, integrations, and multi-provider ecosystems 
• Risk, operations, and strategy professionals involved in payment system optimization and transformation 

• Understand the foundational principles of composable payments architecture, including modularity, interoperability, and workflows

• Identify the benefits, trade-offs, and strategic value of adopting composable payment systems

• Apply strategies for incremental modernization while minimizing disruption to existing payment infrastructure

• Evaluate payments architecture using the Composability Test framework and calculate a Composability Index

• Analyze composability across key dimensions: modularity, interoperability, orchestration flexibility, and observability

• Break down payments architecture into core layers (experience, core payments, and integration) for targeted assessment

• Develop actionable roadmaps to improve composability using API-first design, decoupling, and orchestration strategies

• Understand the role of open source in payments, including principles, benefits, limitations, and ecosystem evaluation

• Differentiate between open source, open systems, and open standards in payments infrastructure

• Design modular, provider-agnostic payment flows using orchestration layers and standardized interfaces

• Identify limitations of legacy architectures (vault-centric and PSP-centric) and approaches to overcome them

• Apply stepwise modernization strategies such as parallel stacks, orchestration overlays, and modular capability rollout

• Integrate alternative payment methods (APMs) using composable frameworks without disrupting existing flows

• Decouple subscription management from payment execution to improve flexibility and scalability

• Leverage AI to accelerate exploration, integration, testing, and scaling of payment infrastructure

• Use AI-driven tools for connector development, workflow automation, and continuous payments optimization 

Please allow 2–3 hours to complete this course. The course includes knowledge checks throughout and concludes with a final assessment to evaluate comprehension. Upon successful completion, participants will receive a certificate of completion recognizing their expertise in composable payments architecture

• Program Level: Advanced

• Program Field of Study: Payments, Technology, Architecture, Specialized Knowledge

• Program Delivery Method: QAS Self-Study

• CPE Credits: 3

• Advanced Preparation and/or Pre-requisites: Foundational knowledge of payments systems, APIs, and payment processing architectures recommended