How to properly have one-to-one relation in MongoDB without any cons?

How to properly have one-to-one relation in MongoDB without any cons?

I am working on a project and have these two MongoDB collections, team (holding the details of teams) and payment (holding the payment of the teams) (strictly 1-1 relationship).

I am working on a project and have these two MongoDB collections, team (holding the details of teams) and payment (holding the payment of the teams) (strictly 1-1 relationship).

Payment Schema
{
    ...
    team: { type: Schema.Types.ObjectId, ref: 'Team', unique: true },
    ...
}

For Team, I have two alternatives:

Team1 Schema
{
    user_id: { type: Schema.Types.ObjectId, ref: 'User' }
}

...

Team2 Schema
{
    user_id: { type: Schema.Types.ObjectId, ref: 'User' }
    payment: { type: Schema.Types.ObjectId, ref: 'Payment', unique: true }
}

NEED: I have a component "My Teams" where I need to show logged-in user's all teams and his payment status (yes/no).

ISSUE WITH Team1 Schema: Since I do not have reference to Payment so I need to make another call to backend with team's _id to get Payment object for every team. If a user has 10 teams then it will be 11 backend calls (1 for teams, next 10 for their payment statuses).

ISSUE WITH Team2 Schema: Since I now have Payment _id inside the Team2 Schema so I can simply check if that field exist or not to determine if it's paid or not. But now the issue is, when a payment is made, I need to update both of Collections and need to use Transactions (to rollback in case any fails) which increases complexity and is also not support unless I have replica sets set upped.

Can you please help me figuring out this the best way possible?

Thanks in advance.

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