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.

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