Hello @devprimari14dd,
The issue you're experiencing with the /rest/V1/carts/mine/payment-information endpoint in Magento 2.4.3-p1 taking over 20 seconds to respond during checkout is likely due to a combination of factors such as server performance, API inefficiencies, or third-party payment method integrations.
Based on the screenshot, the response times for this endpoint range from 22.26s to 232.6s, which is excessively slow for a checkout process.
Magento relies heavily on caching to improve performance. Ensure that all caches are enabled, especially the Full Page Cache (FPC).
You can enable this in the admin panel under System > Cache Management. Also, consider using Varnish or Redis for caching if not already in use.
Ensure you're using a supported PHP version (Magento 2.4.3-p1 supports PHP 7.4). Increase the memory_limit (e.g., to 2G) and set max_execution_time to at least 60 seconds in your php.ini to avoid timeouts during processing.
The payment-information endpoint interacts with the selected payment method. If you're using a third-party payment gateway (e.g., PayPal, Stripe), the delay might be caused by their API response time.
Test with a different payment method (like "Check/Money Order") to isolate the issue.
Magento 2.4.3-p1 is a bit outdated as of Nov 2025. Newer versions (e.g., 2.4.6 or later) include performance improvements and bug fixes. Consider upgrading to a more recent version after testing in a staging environment. We can help regardless contact us
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