Can you write me a microservice architecture for a paying system which :

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should be accessible through web browser, mobile client for IOS and Android.

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the system have two types of users

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regular which have limited access to the functions and premium users which have access to all system functions.

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A user can register through email, username and password or with external systems like Google and Facebook. A user can log in through email or username and password or with external system.

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Every user has a budget which is a set of their own expenses. There are two types of budgets

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individual which is only for one user and shared which is created from one user and shared with up to

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$$other user

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Every user can create a budget or be part of another shared budget.

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A new expense to the budget can be added through a photo of the receipt, an online paying system like paypal, revolut and etc. or though filing a form.

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Regular users can access the functionality reports with which they can see all of their budgets and expenses. A regular user can become premium if they subscribe to a monthly payment to the system.

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A premium user have access to Analyses section. This section provides the user with analyses for their budgets.

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With this system the user can pay with Revolut, Paypal, Skrill or debit card.