GuideTechnology
19 min read
Design a Payment System: Idempotency, Ledgers and Reconciliation
Design the payment platform behind checkout and refunds, where correctness matters more than speed: payment intents and attempts, an explicit state machine, idempotency at every hop, asynchronous confirmation through verified webhooks, a double-entry ledger with a runnable example, reconciliation against provider reports, refunds, provider failover, fraud and PCI scope, and an audit trail.

