The evolution and
Scaling Airbnb’s Payment Platform. Airbnb started out like a minimum viable product, it matched hosts to guests, payments were handled offline directly between the two parties, Airbnb was out of the loop. But Airbnb had a "problem", they were a global platform so needed a global payments system that people could trust, US centric modalities would not work. An early version was based on Rails and ActiveRecord, which could only last so long. Version two features a sophisticated Billing API, Payment Gateway, and Financial Pipeline with Spark based reporting. In the future they plan on: creating something that sounds like their own currency to spend within system; near real-time financial reporting; leveraging machine learning and consuming signals from both our production system and our processors to make dynamic decisions about how to route a transaction, optimizing for cost, acceptance, or speed.