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Stripe·Software Engineer·Technical Phone Screen·Intermediate

IntermediatePrefer not to say
Jun 2026

Summary

Stripe SWE interview with a data processing problem that looked straightforward on the surface but had enough moving parts to trip you up if you didn't think through the aggregation carefully.

Questions Asked (1)

Q1

You're given a stream of merchant transactions, each with a timestamp, merchant ID, payment provider ID, and amount. Each payment provider has a fee rule consisting of a percentage and a flat fee per transaction. Write code to compute the total fees owed per merchant and the total revenue earned per provider.

Algorithms & Data StructuresData ModelingSystem Design
Author's notes

My first instinct was to just iterate and accumulate, but I wasted a couple minutes trying to figure out whether to group by merchant first or provider first.

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AI HintsAI Generated

Suggested Approach

Clarify the problem requirements and edge cases, then design a streaming solution using hash maps to aggregate fees per merchant and revenue per provider. Discuss time/space complexity and potential optimizations for large-scale streams.

Pro tip: Mention that fees should be computed in the smallest currency unit (e.g., cents) to avoid floating-point precision issues, and consider how to handle late-arriving transactions in a streaming context.

1. Clarify Requirements

Ask about input format, whether the stream is bounded or unbounded, and if there are constraints on memory or latency. Confirm the fee calculation formula and output format.

2. Design Data Structures

Use two hash maps: one mapping merchant ID to total fees, and another mapping provider ID to total revenue. Also store provider fee rules in a map for quick lookup.

3. Process Stream

For each transaction, look up the provider's fee rule, compute the fee (amount * percentage + flat fee), then update the merchant's total fees and the provider's total revenue.

4. Handle Edge Cases

Consider missing fee rules, negative amounts (refunds), and currency rounding. Decide whether to use integer arithmetic or decimal types.

5. Analyze Complexity

State that time complexity is O(n) for n transactions, and space complexity is O(m + p) where m is number of merchants and p is number of providers.

Key Points to Mention

  • Use of hash maps for O(1) average-time lookups and updates
  • Fee calculation: percentage * amount + flat fee, with careful handling of rounding
  • Streaming processing: ability to handle unbounded data with limited memory
  • Edge cases: missing fee rules, refunds (negative amounts), and currency precision
  • Time and space complexity analysis
  • Potential optimizations: parallel processing, batching, or using a database for persistence

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