CheckoutProcessor

CheckoutProcessor is a software component used in e-commerce platforms to manage the checkout phase of a transaction. It coordinates cart validation, applies discounts, calculates taxes and shipping, collects and tokenizes payment details via gateways, and creates orders to trigger fulfillment.

Architecture and integration: Often implemented as a modular library or microservice, it exposes APIs or messaging interfaces for cart and payment systems, supports RESTful endpoints and webhooks, and can be configured for currencies, tax rules, shipping methods, and fraud screening.

Security and compliance: Processes sensitive data through tokenization, encryption, and secure storage; adheres to data minimization and auditing; conforms to PCI-DSS guidance through integration patterns; supports retry logic and failure handling.

Workflow: On submission, it confirms product availability, calculates final total, validates taxes and discounts, requests payment authorization, records the transaction, and publishes events for order management and inventory updates.

Variants and scope: In multi-vendor marketplaces or subscription services, CheckoutProcessor may orchestrate multiple payment methods, handle recurring billing, and coordinate with payment gateways and risk services.