Design a Payment Authorization Ranker

HardSystem Design00:00

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Problem

Scenario

You are building an ML driven payment decision layer for a global e commerce platform. The system should improve authorization rates and reduce fraud by deciding how to route, score, and optimize transactions across payment methods and acquirers.

Question

How would you design a scalable payment solution for a global e-commerce platform?

What this tests

Real-time payment routing and ranking
Online model serving in the authorization path
Feature store design for batch and streaming signals
Drift, skew, and monitoring in a high-stakes ML system
Offline and online evaluation strategy