System Design Patterns: From Fundamentals to Real Systems

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Design 3 - The Payment Platform

Design: The Payment Platform

"Design a payment platform for a marketplace: accept card payments from buyers, hold balances, pay out sellers, and handle refunds: correctly, auditably, at scale."

1. Requirements and Numbers

Pause. Clarify and compute: and notice which requirement outranks all others.

The questions that matter: Scale? (2,000 payments/second peak; 5M sellers with balances.) Latency budget? (Authorization in ~2 seconds: card networks dominate it anyway

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