diff --git a/api/handlers/cards.go b/api/handlers/cards.go
index 8f05b08..436ae3d 100644
--- a/api/handlers/cards.go
+++ b/api/handlers/cards.go
@@ -7,7 +7,7 @@ import (
 	"fmt"
 	"net/http"
 	"strconv"
-	"sync"
+	"time"
 
 	"github.com/go-chi/chi/v5"
 	"github.com/stripe/stripe-go/v78"
@@ -24,35 +24,43 @@ import (
 	stripeSession "github.com/stripe/stripe-go/v78/checkout/session"
 )
 
-// payRedirects maps short tokens to full Stripe checkout URLs.
-var (
-	payRedirects   = map[string]string{}
-	payRedirectsMu sync.Mutex
-)
+const RedirectTTL = 10 * time.Minute
 
-func storeRedirect(stripeURL string) (string, error) {
+func storeRedirect(stripeURL, purpose string) (string, error) {
 	b := make([]byte, 16)
 	if _, err := rand.Read(b); err != nil {
 		return "", err
 	}
 	token := hex.EncodeToString(b)
-	payRedirectsMu.Lock()
-	payRedirects[token] = stripeURL
-	payRedirectsMu.Unlock()
+	now := time.Now()
+	rec := models.PayRedirect{
+		Token:     token,
+		URL:       stripeURL,
+		Purpose:   purpose,
+		CreatedAt: now,
+		ExpiresAt: now.Add(RedirectTTL),
+	}
+	if err := database.GetDB().Create(&rec).Error; err != nil {
+		return "", err
+	}
 	return token, nil
 }
 
 // PayRedirect resolves a short token and redirects to the Stripe checkout URL.
 func PayRedirect(w http.ResponseWriter, r *http.Request) {
 	token := chi.URLParam(r, "token")
-	payRedirectsMu.Lock()
-	url, ok := payRedirects[token]
-	payRedirectsMu.Unlock()
-	if !ok {
+	db := database.GetDB().WithContext(r.Context())
+	var rec models.PayRedirect
+	if err := db.Where("token = ?", token).First(&rec).Error; err != nil {
 		http.NotFound(w, r)
 		return
 	}
-	http.Redirect(w, r, url, http.StatusFound)
+	if time.Now().After(rec.ExpiresAt) {
+		db.Where("token = ?", rec.Token).Delete(&models.PayRedirect{})
+		http.NotFound(w, r)
+		return
+	}
+	http.Redirect(w, r, rec.URL, http.StatusFound)
 }
 
 // CardHandler handles saved payment method CRUD.
@@ -168,7 +176,7 @@ func (h *CardHandler) CollectCard(w http.ResponseWriter, r *http.Request) {
 		return
 	}
 
-	token, err := storeRedirect(sess.URL)
+	token, err := storeRedirect(sess.URL, models.RedirectPurposeAddCard)
 	if err != nil {
 		utils.RespondError(w, http.StatusInternalServerError, "INTERNAL_ERROR", "failed to generate redirect token", nil)
 		return
diff --git a/api/handlers/cart.go b/api/handlers/cart.go
index 18deca0..1019eed 100644
--- a/api/handlers/cart.go
+++ b/api/handlers/cart.go
@@ -541,7 +541,7 @@ func (h *CartHandler) respondRequiresAction(w http.ResponseWriter, order *models
 		return
 	}
 
-	token, err := storeRedirect(pi.NextAction.RedirectToURL.URL)
+	token, err := storeRedirect(pi.NextAction.RedirectToURL.URL, models.RedirectPurposeCheckout3DS)
 	if err != nil {
 		utils.RespondError(w, http.StatusInternalServerError, "INTERNAL_ERROR", "failed to allocate redirect token", nil)
 		return
diff --git a/pkg/database/migrate.go b/pkg/database/migrate.go
index 1ba5131..137d988 100644
--- a/pkg/database/migrate.go
+++ b/pkg/database/migrate.go
@@ -3,6 +3,7 @@ package database
 import (
 	"fmt"
 	"log"
+
 	"terminalShop/pkg/models"
 
 	"gorm.io/gorm"
@@ -24,6 +25,7 @@ func Migrate(db *gorm.DB) error {
 		&models.OrderItem{}, // Line items within orders
 		&models.Address{},   // Saved addresses
 		&models.OrderEvent{},
+		&models.PayRedirect{}, // short-token -> stripe url store (10 min TTL)
 	); err != nil {
 		return fmt.Errorf("migration failed: %w", err)
 	}
diff --git a/pkg/models/pay_redirect.go b/pkg/models/pay_redirect.go
new file mode 100644
index 0000000..b0eb64d
--- /dev/null
+++ b/pkg/models/pay_redirect.go
@@ -0,0 +1,23 @@
+package models
+
+import "time"
+
+// PayRedirect maps a short token to a stripe hosted url with a TTL.
+// survives api restarts so a customer mid-3Ds authentication still
+// lands on the bank-hosted challenge page after a deploy or crash
+type PayRedirect struct {
+	Token     string    `gorm:"primaryKey;size:64" json:"token"`
+	URL       string    `gorm:"type:text;not null" json:"url"`
+	Purpose   string    `gorm:"size:32;not null" json:"purpose"`
+	CreatedAt time.Time `json:"created_at"`
+	ExpiresAt time.Time `gorm:"index" json:"expires_at"`
+}
+
+const (
+	RedirectPurposeCheckout3DS = "checkout_3ds"
+	RedirectPurposeAddCard     = "add_card"
+)
+
+func (PayRedirect) TableName() string {
+	return "pay_redirects"
+}