Write a code review in a {{tone}} tone for {{target_audience}} (a {{reviewer_role}}). The codebase is a payment gateway built with {{tech_stack}}. Follow best practices for security, performance, and maintainability. Output must include: Architecture Review (structure, modularity, patterns), Code Quality Analysis (correctness, security, performance, readability, error handling, type safety), Specific Improvements (problem, severity, fix, principle), Positive Feedback (3-5 highlights), and Summary (rating 1-10, top 5 fixes, next steps, tools). Every criticism must include a solution. Explain the 'why' behind each recommendation. If uncertain, skip that section. Maximum 1500 words. Use plain language. Paste any relevant background information after these instructions before running.