Circuit Breaker

You might say

The payment dependency keeps timing out. Stop making every request wait, fail fast or degrade, and probe it again after a pause.

A circuit breaker cuts off a repeatedly failing dependency, fails fast or degrades, and probes recovery laterWhen a checkout page calls a payment dependency that keeps timing out, continuing to wait and retry can exhaust the caller's threads and request queue. A breaker moves through Closed, Open, and Half-Open: normal calls pass while Closed; repeated failures open it for fast failure or fallback; a later limited probe tests recovery, returning to Closed on success or Open on failure. It is different from one timeout or retry and cannot repair the dependency.
Further reading