I've built a payment system before, I didn't make it distributed and if I was to build one again. I won't make it distributed. I like my payment system old school batch style. Correctness is very important to me and ability to rollback and replay things if things went wrong are very important.
Batch vs realtime, correctness, rollback & reply have nothing to do with whether or not you build your system distributed or not.
In fact a distributed system can have some advantages over a monolith in an application like that if done properly, for instance you could set up a central message log that keeps data for an x period allowing you to 'rollback and replay' to your hearts content.
