The Desi Architect
Notes / Design Interview Problems / Design Razorpay / Stripe (Payment Gateway & Settlement)
Track 5 · Design Interview Problems

Design Razorpay / Stripe (Payment Gateway & Settlement)

A customer taps Pay, the bank takes the money, and our server crashes before saving. How a payment gateway guarantees zero double debits, handles unknown outcomes, and balances every paisa using double-entry ledgers.

Interview problem26 min read1 interactive
On this page
  1. The 2:00 AM Big Billion Days midnight drop
  2. 🟢 Layer 1: Core Payment Mechanics & The Critical Split
  3. 🟡 Layer 2: Outbox, Change Data Capture (CDC), Ledger, and Acquirer Routing
  4. 🔴 Layer 3: Architect's Corner