In my AWS environment I now need two pillars tightened up: secure payments and fine-grained user management. Payment side first. I want credit and debit card processing wired in end-to-end, exposed through an API Gateway endpoint and ready to drop into the front-end. I am open on the provider (Stripe, Braintree, Amazon Pay or a similar PCI-compliant service) as long as the checkout flow stays on brand and tokens are handled safely in Lambda or another serverless layer. For user control the stack should centre on AWS Cognito (or an equivalent service you prefer) with these mandatory features: • Two-factor authentication at sign-in • Role-based access control so I can assign and edit roles from an admin panel • Users of staff members, clients and the 3rd parties • Continuous user activity monitoring, ideally fed to CloudWatch and surfaced in a lightweight dashboard or at least in exportable logs. Deliverables I will review against: 1. Working card-payment endpoint returning success/fail responses with test cards. 2. Cognito (or similar) user pool configured for 2FA, roles and attribute-based policies. 3. IAM or custom authorizer logic enforcing those roles on protected routes. 4. Activity logs proving sign-ins, role changes and payments are captured. 5. Brief but clear deployment notes (CloudFormation, Terraform or CDK scripts welcome). Everything must deploy cleanly in my AWS account with no hard-coded secrets.