Building Reliable Payment Systems: Key Architecture and Security Considerations

How to structure the payment layer of your product so it is dependable, auditable and hard to attack *Start with a clear boundary The first architectural decision is where payments live in your codebase. *Wrap the provider, do not leak it Your payment service will call your provider's APIs. Razorpay's API reference, for example, covers orders, payments, refunds, subscriptions and settlements through a RESTful interface. *Model money carefully A few data modelling rules prevent a surprising number of bugs: *Consider a ledger As your system grows, a simple payments table stops being enough. Fina