Requirements Document
Comprehensive requirements for the Payment Processing Service microservice in the KnowledgeTracker Platform.
1. Functional Requirements
1.1 Payment Methods
- •Credit/Debit card payments (Visa, MasterCard, Amex)
- •Digital wallets (PayPal, Apple Pay, Google Pay)
- •Bank transfers and ACH payments
- •Cryptocurrency payments (optional)
- •Saved payment methods for returning customers
1.2 Subscription Management
- •Recurring billing (monthly, quarterly, annual)
- •Multiple subscription tiers and plans
- •Subscription upgrades, downgrades, and cancellations
- •Trial periods and promotional pricing
- •Automatic renewal and expiration handling
- •Proration for mid-cycle changes
1.3 One-Time Payments
- •Course purchase and enrollment fees
- •Certificate fees and exam payments
- •Bundle deals and package purchases
- •Shopping cart functionality for multiple items
1.4 Refunds & Chargebacks
- •Full and partial refund processing
- •Refund policy enforcement (time limits, conditions)
- •Chargeback dispute management and documentation
- •Automated refund approval workflows
1.5 Discounts & Coupons
- •Percentage and fixed-amount discount codes
- •Time-limited promotional campaigns
- •Single-use and multi-use coupon codes
- •Course-specific and platform-wide discounts
- •Student and bulk purchase discounts
1.6 Revenue Reporting
- •Transaction history and detailed payment logs
- •Revenue dashboards by course, instructor, and period
- •Tax calculation and reporting (VAT, sales tax)
- •Invoice generation and delivery
- •Financial reconciliation and accounting exports
1.7 Multi-Tenant Revenue Split
- •Revenue sharing between platform and organizations
- •Instructor payout management and scheduling
- •Configurable commission structures per organization
2. Non-Functional Requirements
2.1 Security
- •PCI DSS Level 1 compliance for card data handling
- •Tokenization of payment methods (no raw card storage)
- •3D Secure (3DS) authentication for fraud prevention
- •Encrypted transmission of all payment data
- •Fraud detection and risk scoring
2.2 Reliability
- •99.99% payment processing uptime
- •Idempotent payment processing (no duplicate charges)
- •Automatic retry for failed transactions with exponential backoff
- •Payment gateway failover to backup providers
2.3 Performance
- •Payment authorization response time < 3 seconds
- •Support for 1,000+ concurrent payment transactions
- •Webhook processing within 5 seconds of payment events
2.4 Compliance
- •GDPR compliance for customer payment data
- •SOC 2 Type II compliance for financial operations
- •Support for international tax regulations (VAT, GST)
3. Integration Requirements
3.1 Internal Microservices
- •User Management: User identification and billing details
- •Course Management: Course pricing and enrollment activation
- •Notification Service: Payment confirmations and receipt delivery
- •Analytics: Revenue tracking and payment metrics
3.2 External Services
- •Payment Gateways: Stripe, PayPal, Razorpay
- •Tax Services: TaxJar, Avalara for automated tax calculation
- •Accounting: QuickBooks, Xero integration for bookkeeping
Requirements Validation
Use this requirements document alongside the Database Design to validate:
- ✓All payment types and methods are properly tracked
- ✓Subscription lifecycle and billing cycles are modeled
- ✓Refund and chargeback processes have supporting data structures
- ✓Revenue reporting and tax compliance can be generated
- ✓Multi-tenant revenue split is properly implemented