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System design interview question

Design a payment system like Stripe

Hard · System design (HLD) · Company tags: Stripe, Amazon, PayPal, Capital One

The prompt

"Design Stripe. Merchants integrate an API; their customers pay by card. You talk to card networks and banks, handle failures and retries, and you must never charge a customer twice or lose a payment. Billions of dollars a day."

What this round really tests

correctness under partial failure with money at stake. Availability and latency matter far less than never double-charging, never losing a payment, and always being able to prove what happened. The distinguishing content is idempotency, the payment state machine, double-entry ledgers, and dealing with external systems that time out ambiguously.

Clarifying questions worth asking

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