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What actually happens in the single second after you click "Pay" on a checkout screen? In this video, Cloud Codes breaks down the system design and architecture of Stripe, the payment API that processes over $1.9 trillion for the global economy. We look under the hood of Stripe's engineering to explain exactly how online credit card processing works. From tokenization and Payment Intents to 3D Secure, webhooks, and how Stripe Radar uses machine learning to block fraud in milliseconds. Whether you are a software developer integrating the Stripe API in 7 lines of code, or just curious about the hidden financial infrastructure of the internet, this is everything you need to know about how money moves online. If this helped you understand complex systems, subscribe to Cloud Codes for a new infrastructure breakdown every single week! Build, solve, deploy. ⏱️ Video Chapters (Crucial for Google Search Rich Snippets): 0:00 - The 1-Second Relay: What Happens When You Click Pay? 0:57 - Tokenization & The 4 Hidden Middlemen 1:17 - How Stripe Tracks Money (Payment Intents) 1:33 - Authorization vs. Capture Explained 2:15 - Idempotency: Why You Never Get Charged Twice 2:36 - Stripe Radar: Machine Learning Fraud Prevention 3:23 - The History of Stripe & The Collison Brothers 3:50 - The Stripe API Platform Ecosystem 4:22 - Why Great Infrastructure is Invisible 🔗 Concepts Covered: Payment Gateway Architecture & PCI Compliance Acquiring Banks vs Issuing Banks Stripe Connect, Billing, and Terminal API Webhooks & Idempotency Keys #stripe systemdesign #softwareengineering #fintech #cloudcodes 👇 SUBSCRIBE & WATCH NEXT Subscribe for a new systems deep-dive every week: https://www.youtube.com/channel/UC0DZj1PNa_Fp0MU6uPSKv5w?sub_confirmation=1 Watch Next: https://youtu.be/v_wvXLq6OS8 📱 CONNECT WITH US Twitter/X: x.com/cloud_codes Join our developer community: discord.gg/HVnH9SY48 User Queries: how stripe works system design what happens when you swipe a credit card stripe payment intent api tutorial how stripe radar prevents fraud stripe authorization vs capture what is an idempotency key in stripe how credit card processing works online stripe architecture explained fintech system design interview

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