Stripe's Payment Processing Architecture architecture diagram

About This Architecture

How Stripe processes billions in payments securely. Shows the payment flow from merchant checkout through API Gateway, Payment Intent Service, card tokenization in isolated PCI environment, ML fraud detection, card network authorization, webhook delivery with retry, double-entry ledger, and merchant payouts.

Stripe's Payment Processing Architecture

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Created by

February 9, 2026

Updated

August 18, 2026 at 4:14 PM

Type

architecture

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