Mode
Internal controls

Reconciliation Review

Epara finance-control view for matching hosted checkout, POS terminal batch, ledger movements, settlement statement, and payout readiness.

Operator centerMerchant statementPOS scenarioPayout detailApproval control
Payment lifecycle

Statement matched

Finance and operations see how captured customer money becomes matched statement evidence and then a provider-pending merchant payout.

statement matched
Checkoutcs_school_2026_001
Paymentpay_scenario_001
Amount125,000 IQD
ReceiptEP-RCPT-2026-00041
Statementset_2026_06_15_iqd
Checkout session createdHosted checkout receives the merchant link, amount, locked reference, and allowed payment methods.cs_school_2026_001
created
Issuer authentication requiredCustomer can still pay as guest; issuer OTP must pass before capture.auth_school_2026_001
authentication required
Authentication approvedAuthentication evidence is retained for risk, support, and dispute work.acs_school_2026_001
authenticated
Payment authorizedThe selected IQD card route confirms the amount before capture.route_live_cards_iqd
authorized
Capture postedGross, fee, merchant net, and reserve hold become immutable ledger evidence.mov_payment_capture_001
captured
Receipt issuedCustomer receives an immutable receipt without needing an Epara account.EP-RCPT-2026-00041
receipt issued
Merchant webhook deliveredMerchant endpoint receives signed payment.captured notification.evt_payment_captured_001
webhook delivered
Statement matchedHosted checkout capture appears in merchant statement and operator reconciliation.set_2026_06_15_iqd
statement matched
Payout pendingEligible merchant balance waits for provider payout confirmation.po_school_2026_001
pending

Failed, expired, and cancelled checkout sessions never create fee, reserve, receipt, or payout lines.

Finance decision queue

Statement-to-payout gate

Finance control sees whether provider files, ledger, refund gates, and payout provider status allow the statement to advance.

op_decision_school_2026_001
provider pending
Paymentpay_scenario_001
Statementset_2026_06_15_iqd
Payoutpo_school_2026_001
Final decisionrelease_after_provider_confirmation
Provider operationsDid the provider really capture IQD money?Accept Local Card Switch capture referenceop_decision_provider_captureroute_live_cards_iqdops clearedRefund approvalCan a refund affect payout?Hold payout release until refund decision is clearop_decision_refund_gaterefreq_school_2026_001approval readyReconciliationDo provider, ledger, and statement match?No difference; statement is approvedop_decision_reconciliation_matchrecon_run_school_2026_001statement matchedTreasuryCan merchant payout leave Epara control?Release after Rafidain provider confirmationop_decision_treasury_releaserafidain_transfer_pending_8821provider pending
Finance action console

What can finance trust before payout?

Finance can mark the statement matched, verify provider evidence, and keep payout release blocked until treasury confirms the bank transfer.

operator_action_console_school_2026
provider pending
Completed0/6Demo decision state is local to this browser.
Paymentpay_scenario_001set_2026_06_15_iqd
Controlled amount54,831,533 IQDpo_school_2026_001
Guardmaker_checker_no_self_approvalappr_refund_school_2026
Provider operationsDid the provider really capture IQD money?Local Card Switch capture reference is accepted for reviewoperator_action_provider_capture_checkop_decision_provider_captureroute_live_cards_iqdCapture evidence is verified; payout is still gated
ops cleared
Refund approvalCan this refund affect payout release?Payout remains gated until checker decision is clearoperator_action_refund_checker_gateop_decision_refund_gatetrace_refund_school_2026Maker-checker required; maker cannot self-approve
awaiting checker
ReconciliationDo provider, ledger, and statement match?No difference; statement can support payout handoffoperator_action_reconciliation_matchop_decision_reconciliation_matchrecon_run_school_2026_001Statement evidence only; treasury still controls release
statement matched
TreasuryCan merchant payout leave Epara control?Treasury waits for Rafidain provider confirmationoperator_action_treasury_release_holdop_decision_treasury_releaserafidain_transfer_pending_8821Bank transfer remains provider pending
provider pending
Latest controlled resultoperator_action_risk_allow_captureCapture stays allowed with the default reserve onlyNo new ledger movement; default reserve stays held
Open evidence
Finance control case

set_2026_06_15_iqd

pay_scenario_001 and pay_pos_scenario_001 are matched across provider, terminal batch, ledger, statement, webhook, and payout evidence.

matched
1
Provider file importedOperations sees provider_file_cards_iqd_2026_06_15
matched
2
Reconciliation runFinance control sees recon_run_school_2026_001
matched
3
Ledger movementLedger control sees mov_payment_capture_001
matched
4
Terminal batch importedTerminal operations sees batch_counter_2026_06_15
matched
5
POS ledger movementLedger control sees mov_pos_capture_001
matched
6
Merchant notificationDeveloper ops sees evt_payment_captured_001
delivered
7
Bank transfer referenceTreasury sees rafidain_transfer_pending_8821
provider pending

Control matching table

Operator finance can inspect the same statement lines with internal accounts and provider-match evidence.

LineObjectAmountInternal accountProvider matchDifference
payment_capturepay_scenario_001125,000 IQDmerchant_gross_receivablematched0 IQD
platform_feepay_scenario_0012,500 IQDplatform_fee_revenuematched0 IQD
risk_reserve_holdreserve_school_2026_0016,250 IQDmerchant_reservematched0 IQD
merchant_netmov_payment_capture_001122,500 IQDmerchant_available_balancematched0 IQD
pos_card_present_capturepay_pos_scenario_00142,000 IQDmerchant_gross_receivablematched0 IQD
pos_platform_feepay_pos_scenario_001840 IQDplatform_fee_revenuematched0 IQD
pos_risk_reserve_holdreserve_pos_2026_0012,100 IQDmerchant_reservematched0 IQD
pos_merchant_netmov_pos_capture_00141,160 IQDmerchant_available_balancematched0 IQD
payout_contributionpo_school_2026_001155,310 IQDpayout_payableprovider pending0 IQD
reconciliation_differencerecon_run_school_2026_0010 IQDreconciliation_controlmatched0 IQD

Operations clearance handoff

Finance sees which operational queues already cleared the school fee case before settlement and payout decisions are trusted.

ops cleared
QueueActorActionEvidenceDecisionStatus
Provider capture reviewOperations analystVerify Local Card Switch captureroute_live_cards_iqdCapture reference acceptedops cleared
Webhook outboxDeveloper opsConfirm merchant notificationevt_payment_captured_001Signed event delivereddelivered
Receipt proofSupport leadConfirm guest payer receiptEP-RCPT-2026-00041Support can explain paymentready
ReconciliationFinance controlMatch provider file to ledgerrecon_run_school_2026_001No difference; statement approvedstatement matched
Treasury handoffFinance operatorHold until bank confirmationrafidain_transfer_pending_8821Merchant payout remains provider pendingprovider pending

Why this is internal

Merchant finance gets a clear statement. Epara operators also see provider files, reconciliation run IDs, ledger controls, and pending payout-provider evidence.

Merchant seesHosted checkout and POS gross, fee, reserve, net, payout contribution
Operator seesProvider file, internal account, reconciliation run, difference controls
Current decisionNo difference. Payout waits for bank confirmation.