Scalable Payment Gateway Architecture

Scalable Payment Processing System

Design a globally available, highly reliable payment processing system. The system must handle high transaction volumes (10,000 TPS) while ensuring strict ACID compliance for financial records. Address the challenges of exactly-once processing, integration with multiple third-party payment gateways (e.g., Stripe, Adyen), handling asynchronous webhooks, and a robust reconciliation mechanism to detect discrepancies between internal state and external gateway reality. Define your strategy for idempotency, state management, and PCI-DSS compliance scope reduction.
PostgreSQLRedisKafkaApache FlinkKubernetesDockergRPCOAuth2TLS 1.3AES-256SAGA PatternCDC
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Scalable Payment Orchestration & Ledger System

Design a globally distributed payment system similar to Stripe. The system must support high-volume transaction processing, ensure strict idempotency to prevent double-charging, and maintain an immutable ledger for financial auditing. Focus on the end-to-end lifecycle of a payment, including interaction with external Payment Service Providers (PSPs), handling asynchronous webhooks, and ensuring system-wide consistency and PCI-DSS compliance constraints.
PostgreSQLRedisKafkaPCI-DSSSaga PatternTLS 1.3OpenTelemetryStripeAdyenDockerKubernetes
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Scalable Payment Gateway Architecture

Design a global-scale payment processing system similar to Stripe. The system must handle millions of transactions per day, ensure absolute idempotency to prevent double-charging, and maintain a high degree of availability. Key challenges include managing PCI compliance, integrating with multiple third-party payment service providers (PSPs), and maintaining a consistent financial ledger. Discuss how you would handle network failures during the critical charge path and your strategy for reconciliation and merchant notifications.
PostgreSQLRedisKafkaOAuth2TLS 1.3RESTPCI DSSSaga PatternCDC
10
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