Manual or synchronous bulk payment processing is highly vulnerable to network timeouts, rate limits, and system crashes. This technical guide explains how to engineer a fault-tolerant, high-throughput payroll disbursement engine using Node.js, Express, and the Monnify payment gateway, decoupled by a Redis-backed BullMQ background task queue. #Nodejs #ExpressJS #Fintech #Monnify #BullMQ #Redis #BackendDevelopment #APIs #SoftwareArchitecture #SystemDesign #QueueManagement #PaymentGateway