The term you want to look for is "save while active".
There are a couple of ways to look at this.
The official way is you still close down your payment portals, then you 
fire off your save while active, and once it gets a "checkpoint" it will 
send a message to a message queue.  At this time it starts the physical 
save and you can start up your payment portals again without a problem.
An alternative is called a "ragged save while active".  In this technique 
you tell it not to sync anything and just save it.  It may not be in sync. 
 Meaning that the save times may be a few transactions off.  For example 
your order header totals may not match the totals from your order lines. 
One or the other may have had some transactions hit that are saved at a 
slightly different time.
When we used save while active we used the ragged save while active.  Not 
my choice but the edict from the boss.  No outage at all.
Now we do all of our saves from our HA system.  Peace and glory throughout 
the land.  This is the way to go.  Users keep banging away on the primary 
system while the save runs on the backup system.  Totally non disruptive 
and the data is in sync.  (That is, if you trust the replication 
software.)
An Overview of the Save-While-Active Process
http://www-01.ibm.com/support/docview.wss?uid=nas8N1015711
Eliminating your save-outage time
<snip>
Use the following general procedures to eliminate your save-outage time 
for particular save operations. These save-while-active procedures do not 
require any applications to be ended to perform the save operation. 
However, these save-while-active methods do require additional recovery 
procedures.
</snip>
https://www.ibm.com/support/knowledgecenter/ssw_ibm_i_73/rzaiu/rzaiurzaiu348.htm
<snip>
4. Objects with a lock conflict still allow checkpoint processing to 
complete, and the save operation continues. However, the system does not 
save objects with a lock conflict.
</snip>
And that is because they said they said SAVACT(*SYNCLIB).  The "ragged" 
way uses
<snip>
*SYSDFN 
    Objects in a library can be saved while they are in use by 
    another job.  Objects in a library may reach checkpoints at
    different times and may not be in a consistent state in 
    relationship to each other. 
</snip>
Basically you cross your fingers on a restore.
If you try that *SYNCLIB you'll have to keep a close eye on your joblog 
for locks.  "If" you do not quiesce all operations while waiting for the 
checkpoint.
And since you've mentioned "payment portals" there really is no good sync 
when it comes to dealing with "save while active" and IFS objects.  And 
locks are pretty tight in that realm.  Expect to see numerous 
CPFA09E - Object in use.  Object is...
Rob Berendt
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