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Merge pull request '결제 전환 목표 아키텍처 정의 (2/2)' (#1) from forge/iss-81c03d204ddd-attempt-1-run-c46c886cd339 into main

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# iss-81c03d204ddd-attempt-1-run-c46c886cd339
Forge 이슈 작업 브랜치 `forge/iss-81c03d204ddd-attempt-1-run-c46c886cd339`.

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```mermaid
sequenceDiagram
participant User
participant PaymentGateway
participant PaymentService
participant Database
User->>+PaymentService: Start Payment
PaymentService->>+PaymentGateway: Process Payment
PaymentGateway-->>-PaymentService: Payment Success
PaymentService->>Database: Record Payment
Database-->>-PaymentService: Payment Recorded
PaymentService-->>-User: Payment Confirmed
%% External Failure
User->>+PaymentService: Start Payment
PaymentService->>+PaymentGateway: Process Payment
PaymentGateway-->>-PaymentService: Payment Failed
PaymentService-->>-User: Payment Failed
%% DB Failure
User->>+PaymentService: Start Payment
PaymentService->>+PaymentGateway: Process Payment
PaymentGateway-->>-PaymentService: Payment Success
PaymentService->>Database: Record Payment
Database-->>-PaymentService: DB Failure
PaymentService-->>-User: Payment Processing Error
%% Commit/Rollback
Note over PaymentService: Commit if successful
Note over PaymentService: Rollback if there's an error
```