A payments platform must reach 99.995% availability and survive the loss of an entire region. Three AZs and a Multi-AZ database top out around four-nines — five-nines needs more than one region. Under $2,500/mo, p99 ≤ 160 ms, critical durability.
Set the deployment footprint to active-active multi-region, keep three AZs with a Multi-AZ database and a read replica for in-region resilience, and add an ElastiCache tier. A Global Accelerator is a costly trap here — multi-region already handles the routing.