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Payment System v2 — Technical Requirements
Overview
This document outlines the requirements and technical design for migrating our payment processing from Stripe-only to a multi-provider architecture supporting Stripe, PayPal, and regional payment methods.
Generated with: Claude Code from JIRA tickets PM-301 to PM-315 Status: Draft — Awaiting team review
Functional Requirements
- Multi-provider support: Process payments via Stripe, PayPal, and regional providers (Toss for KR, Razorpay for IN)
- Automatic failover: If primary provider fails, retry with backup provider
- Unified webhook handling: Single endpoint normalizing events from all providers
- Idempotency: All payment operations must be idempotent with client-generated keys
Non-Functional Requirements
- Latency: < 3 seconds (p99)
- Availability: 99.95% uptime
- PCI DSS Level 1 compliance
API Design
POST /api/v2/payments
| Parameter | Type | Description |
|---|---|---|
| amount | integer | Amount in smallest currency unit |
| currency | string | ISO 4217 (USD, KRW, INR) |
| provider | string | "stripe", "paypal", or "auto" |
| idempotency_key | string | Client-generated unique key |
Failover Strategy
- Route to preferred provider based on currency/region
- On 5xx or timeout (>5s), retry with backup provider
- Alert on-call if failover rate exceeds 5%...
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