Welcome to your interview.
The question is on your right: Caching vs Persistent Storage. Take a moment with it first.
Talk your thinking through with me if you like - when you're confident, submit your answer and I'll grade it like a real screen (7/10 or better passes). Discussion and graded submissions share your five interviewer interactions, so spend them well.
What are the trade-offs of using an in-memory cache versus a persistent database in a high-concurrency payment environment?