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Stripe·Software Engineer·Technical Phone Screen·Intermediate

Intermediate
May 2026

Summary

Stripe coding screen for a software engineer role. One problem, simulation-style, felt more like a design-your-own-logic question than a pure algorithms grind. Straightforward premise but a few edge cases that'll bite you if you're not careful.

Questions Asked (1)

Q1

Given a list of transactions where each entry moves an amount from one user to another, process them in order with an overdraft rule: if applying a transaction would bring the sender's balance below zero, reject it and track it separately. After processing everything, return the rejected transactions and all users with a non-zero final balance. All balances start at zero.

Algorithms & Data StructuresTechnical Trade-offs
Author's notes

My first instinct was to reach for something fancy and I wasted a couple minutes thinking about it before realizing this is just a hashmap and a loop.

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AI HintsAI Generated

Suggested Approach

Start by clarifying the problem constraints and edge cases, then propose a solution using a hash map to track balances and a list for rejected transactions. Walk through the algorithm step by step, emphasizing the overdraft check and final filtering of non-zero balances. Discuss time and space complexity, and consider potential optimizations or trade-offs.

Pro tip: Mention that you would handle edge cases like self-transactions, zero-amount transactions, and duplicate user IDs, and discuss how the solution scales with large transaction volumes. This shows attention to detail and production readiness.

1. Clarify requirements and edge cases

Ask questions to confirm assumptions: Are user IDs strings or integers? Can transactions be zero or negative? Should rejected transactions preserve original order? How to handle self-transfers?

2. Design the data structures

Use a hash map to store balances for each user (default 0) and a list to collect rejected transactions. Consider if any additional structures are needed for efficiency.

3. Process transactions sequentially

Iterate through each transaction: check if sender's balance minus amount is >= 0. If yes, update balances; if no, add to rejected list. Ensure sender and receiver are initialized in the map if not present.

4. Compile final results

After processing, filter the balance map to include only users with non-zero balances. Return the rejected transactions and the filtered balances.

5. Analyze complexity and trade-offs

Discuss time complexity O(n) and space O(u + r) where u is unique users and r is rejected transactions. Mention alternative approaches like sorting or batch processing and their trade-offs.

Key Points to Mention

  • Use of hash map for O(1) average-time balance lookups and updates.
  • Sequential processing ensures order-dependent overdraft checks.
  • Handling of edge cases: self-transactions, zero amounts, negative amounts, and missing users.
  • Time and space complexity analysis.
  • Potential optimizations for large-scale systems (e.g., sharding, streaming).
  • Clear separation of concerns: processing logic vs. result compilation.

AI-generated suggestions, not part of the candidate's original notes. May be inaccurate — verify before relying on them.