OpenAI

Verified interview challenge

Design a payment system

Connect real-time payment authorisation with a daily processing run that can recover safely from partial failure.

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The challenge

Merchants send transactions to an external payment service for approval and a hold on funds. Approved transactions are then eligible for final processing in a daily run. Design how the system tracks each payment when requests are duplicated, replies are delayed or only part of a batch completes.

Authorisation and daily capture
The initial task focuses on these two stages. Refunds, disputes, subscriptions and payouts are outside its scope.

What you'll practise

  • Payment state

    Define what the system knows about each transaction and which component owns that record.

  • Safe daily processing

    Handle eligibility, retries and partial batch completion without repeating payments.

  • Uncertain outcomes

    Reconcile internal records with the external service when its response is delayed or missing.

Your design workspacePreview
Your canvas
Merchant requestsTransaction details
Payment serviceHolds & capture
The interview, drawing canvas and final report are included with Full Access.
Payment System Design Interview Practice | breakinto.ai