System Design Patterns: From Fundamentals to Real Systems
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Design 3 - 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. Notice which requirement outranks all the others.

Scale? About 2,000 payments per second at peak, and 5M sellers holding balances.

Latency budget? Authorization in about 2 seconds. The card networks dominate it anyway.

What is the correctness bar? This question sets the design apart. Every cent accounted for, every movement auditable, forever

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