allowed
Backoffice Payment Review
Internal Epara view for risk, provider route, ledger evidence, webhook delivery, settlement, operations, and support teams.
Payment lifecycle
statement matchedStatement matched
Epara teams use the same lifecycle evidence for risk, provider operations, ledger, webhook, reconciliation, and finance review.
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
createdIssuer authentication requiredCustomer can still pay as guest; issuer OTP must pass before capture.auth_school_2026_001
authentication requiredAuthentication approvedAuthentication evidence is retained for risk, support, and dispute work.acs_school_2026_001
authenticatedPayment authorizedThe selected IQD card route confirms the amount before capture.route_live_cards_iqd
Capture postedGross, fee, merchant net, and reserve hold become immutable ledger evidence.mov_payment_capture_001
capturedReceipt issuedCustomer receives an immutable receipt without needing an Epara account.EP-RCPT-2026-00041
receipt issuedMerchant webhook deliveredMerchant endpoint receives signed payment.captured notification.evt_payment_captured_001
webhook deliveredStatement matchedHosted checkout capture appears in merchant statement and operator reconciliation.set_2026_06_15_iqd
statement matchedPayout pendingEligible merchant balance waits for provider payout confirmation.po_school_2026_001
pendingFailed, expired, and cancelled checkout sessions never create fee, reserve, receipt, or payout lines.
Payment decision queue
provider pendingBackoffice action path
The payment review explains which internal team owns each decision before the merchant payout can leave Epara control.
op_decision_school_2026_001Paymentpay_scenario_001
Statementset_2026_06_15_iqd
Payoutpo_school_2026_001
Final decisionrelease_after_provider_confirmation
RiskCan this school-fee payment continue?Allow capture; keep default reserve onlyop_decision_risk_allowrisk_decision_scenario_001allowedProvider operationsDid the provider really capture IQD money?Accept Local Card Switch capture referenceop_decision_provider_captureroute_live_cards_iqdops clearedSupportCan we answer the customer without changing money?Send receipt proof; refund requires maker-checker approvalop_decision_support_no_money_movetkt_school_parent_receipt_001customer safeRefund approvalCan a refund affect payout?Hold payout release until refund decision is clearop_decision_refund_gaterefreq_school_2026_001approval ready
Payment review action console
provider pendingWhat should the payment reviewer do next?
Payment review can clear risk and provider evidence, answer support safely, and send refund exposure to the checker path.
operator_action_console_school_2026Completed0/6Demo 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
ops cleared
customer safe
awaiting checker
Latest controlled resultoperator_action_risk_allow_captureCapture stays allowed with the default reserve onlyNo new ledger movement; default reserve stays held
Open evidencePayment method evidence
live readyWhich method rail produced this payment?
Payment review ties the customer method choice to provider route, receipt, webhook, ledger, and payout controls.
pm_action_console_demo_market_2026Completed0/6Demo method state is local to this browser.
Login ruleGuest card: no login / Wallet: optional sign-inGuest card stays available.
Customer entry/pay/school-fee6 live methods
Approvalpm_review_demo_market_iq_2026pm_ready_demo_market_2026
ready
ready
controlled
ready to send
Latest method resultpm_action_guest_card_checkoutGuest card checkout is available on the merchant collection pagePayment capture creates receipt, ledger, fee, reserve, and statement evidence
Open method evidenceRisk decision map
allowedWhy was this payment allowed?
Payment review shows the risk decision, reserve, refund gate, dispute package, and payout exposure tied to the same captured payment.
risk_decision_map_school_2026Paymentpay_scenario_001
Risk decisionrisk_decision_scenario_001
Reserve6,250 IQD
Payoutpo_school_2026_001
Risk analystCan the hosted checkout capture continue?Allow school-fee capture; keep only the default reserverisk_map_capture_allowrisk_decision_scenario_001No extra hold beyond configured reserveallowedRisk ledgerHow much merchant balance is protected?Hold the configured reserve until policy releaserisk_map_reserve_holdrisk_reserve_school_2026_0016,250 IQDheldRisk and privileged checkerCan refund risk affect payout release?Keep payout gated until refund request is approved or rejectedrisk_map_refund_gaterefreq_school_2026_00150,000 IQDapproval ready
Payment notification evidence
activeWhat messages were produced after capture?
Payment review ties capture to customer receipt delivery, merchant alert, reminder jobs, and notification control evidence.
notify_school_2026_001Customer proofReceipt deliveredntf_customer_receipt_delivered_001 -> EP-RCPT-2026-00041
Merchant alertOwner notifiedemail_owner_payment_captured -> pay_scenario_001
Unpaid follow-up2 remindersWhatsApp scheduled, SMS ready for unpaid references
Money boundaryNo ledger mutationnotif_ledger_boundary_school_2026
CustomerDid the payer receive proof?Email receipt delivered; the immutable receipt stays the source of truth.Emailnotify_customer_receiptntf_customer_receipt_delivered_001deliveredMerchant ownerDid the merchant know money was captured?Dashboard and email alert point the owner to the captured payment object.Dashboard + emailnotify_merchant_captureemail_owner_payment_captureddeliveredEpara supportWhat did the customer ask for?Customer-selected support action appears in the support case without moving money.Support queuenotify_support_intakecust_action_school_2026_001assigned
Operator transaction lens
capturedWho relies on this payment?
Backoffice sees which team owns the next decision, where the evidence lives, and which route proves the customer payment, settlement, support, risk, and revenue story.
Lenstx_role_lens_school_2026
Paymentpay_scenario_001
Sourceplink_school_2026
Amount125,000 IQD
MethodLocal Card Switch
Merchant ownerDid the customer pay my tahsil page?Fulfill the school fee collection and keep receipt prooftx_lens_merchant_ownerEP-RCPT-2026-00041capturedMerchant finance managerHow much becomes balance and payout?Read gross, fee, reserve, statement, and payout contributiontx_lens_merchant_financeset_2026_06_15_iqdprovider pendingMerchant developerCan my system fulfill after payment?Trust signed payment.captured webhook deliverytx_lens_merchant_developerevt_payment_captured_001webhook deliveredEpara support specialistWhat do I tell the payer?Use receipt, refund eligibility, and dispute evidence without editing ledger factstx_lens_epara_supporttkt_school_parent_receipt_001readyEpara operations analystAre the rails and reconciliation clear?Check provider route, outbox, receipt proof, reconciliation, and payout handofftx_lens_epara_operationsrecon_run_school_2026_001ops cleared
Backoffice evidence pack
audit readyWhat can internal teams audit?
Backoffice connects customer proof, risk gates, operator decisions, refund maker-checker, dispute package, and treasury controls.
evidence_pack_school_2026_001Paymentpay_scenario_001rcpt_scenario_001
MerchantDemo Marketplink_school_2026
Settlementset_2026_06_15_iqdpo_school_2026_001
Audit anchoraudit_anchor_school_2026_001op_decision_school_2026_001
Payment method routepm_review_demo_market_iq_2026evpack_method_routeLocal card route is approved for IQD guest card checkoutBackofficeMerchant cannot bypass route approvallive readyOperator decisionsoperator_action_console_school_2026evpack_operator_actionsRisk, provider capture, support, refund gate, reconciliation, and treasury decisions are linkedRisk, operations, finance, treasuryNo single operator bypasses maker-checker or treasury controlsprovider pendingRefund gatetrace_refund_school_2026evpack_refund_gateRefund request requires maker-checker separation before any reversal postsSupport, risk, approvalmaker_checker_no_self_approvalawaiting checkerDispute packageevpkg_school_2026_readyevpack_dispute_packageCheckout, auth, receipt, webhook, and support package protect the dispute responseRisk, support, backofficeDispute outcome controls liability laterevidence submittedRevenue boundaryrev_school_2026_001evpack_revenue_boundaryGMV, merchant payable, reserve liability, provider cost, and Epara margin stay separatedPlatform financeReserve is a liability hold, not Epara revenue.revenue recognized
Payment screen map
readyWhich customer-facing screens need internal evidence?
Backoffice sees the customer journey and the money boundary for every payment screen before acting.
payment_screen_map_school_2026_001Entry ruleguest_firstHosted checkout: no account / Wallet and receipt history: optional
Collectionplink_school_2026cs_school_2026_001
Payment / receiptpay_scenario_001rcpt_scenario_001
CustomerGuest card checkoutscreen_guest_cardLogin: NoCan I use a local card as a guest?Capture creates receipt, fee, reserve, ledger, and statement evidencecs_school_2026_001capturedCustomer / issuerIssuer OTP challengescreen_issuer_otpLogin: NoWhat if my issuer asks for OTP?Capture happens only after authentication succeedsauth_school_2026_001requires actionCustomer / supportExpired checkoutscreen_expiredLogin: NoDid money move after timeout?No capture and no refund workcs_school_2026_expired_001expiredCustomer / supportCancelled checkoutscreen_cancelledLogin: NoWhat if I cancel before paying?No customer money movedcs_school_2026_cancelled_001cancelledCustomer / supportRefund receiptscreen_refund_receiptLogin: NoWhat happens after a refund is approved?Partial refund posts only after maker-checker approvalEP-RFND-2026-00041issued
Scenario action ledger
loadingWhich decisions are already recorded?
Backoffice review sees customer, merchant, payment-method, and operator actions in one payment case without changing money facts.
action_ledger_school_2026_001 / evidence_pack_school_2026_001Payment stagecapturedpay_scenario_001
Customer requestcust_action_resend_receiptcust_action_school_2026_001
Merchant actions0merchant_action_console_school_2026
Operator / method0 / 1operator_action_console_school_2026
WorkflowPublish collection pageledger_stage_collectionMerchant ownerCollection page stage is paidplink_school_2026Publishing exposes checkout; it does not move moneycompletedWorkflowPay as guestledger_stage_paymentCustomerPayment lifecycle stage is capturedrcpt_scenario_001Capture creates receipt, ledger, fee, reserve, and statement evidencecompletedWorkflowPrepare payout handoffledger_stage_payoutEpara financeset_2026_06_15_iqd supports po_school_2026_001rafidain_transfer_pending_8821Payout remains provider pending until treasury clears itprovider pendingCustomer supportResend receiptcust_action_resend_receiptCustomerSupport can resend immutable receipt proofEP-RCPT-2026-00041Customer request creates support context; approval controls money movementselectedPayment methodConfirm guest-card availabilitypm_action_guest_card_checkoutCustomerGuest card checkout is available on the merchant collection pageready_school_link_2026Payment capture creates receipt, ledger, fee, reserve, and statement evidencecompleted
Demo action state is local to this browser, but every row keeps the same payment, evidence pack, and money-boundary language.
| Reference | Payer | Delivery | Status | Evidence |
|---|---|---|---|---|
| SCH-2026-00041 | Alia School Parent | Email receipt delivered | paid | EP-RCPT-2026-00041 |
| SCH-2026-00042 | Omar Parent | WhatsApp link opened | checkout sent | wa_open_school_2026_00042 |
| SCH-2026-00043 | Mina Parent | QR poster ready | due soon | qr_scan_waiting_school_2026_00043 |
| Step | Channel | Target | Evidence | Status |
|---|---|---|---|---|
| Import payer list | - | - | batch_school_2026_import_001 | validated |
| Lock student references | - | - | ref_lock_school_2026_001 | passed |
| Apply due date | - | - | due_school_2026_06_20 | scheduled |
| Generate share assets | - | - | assets_school_fee_2026_001 | ready |
| - | SCH-2026-00042 | wa_remind_school_2026_00042 | scheduled | |
| - | SMS | SCH-2026-00043 | sms_remind_school_2026_00043 | ready to send |
| - | Invoice PDF | Finance office batch | invoice_pdf_school_2026_001 | delivered |
| Queue | Actor | Action | Evidence | Decision | Status |
|---|---|---|---|---|---|
| Provider capture review | Operations analyst | Verify Local Card Switch capture | route_live_cards_iqd | Capture reference accepted | ops cleared |
| Webhook outbox | Developer ops | Confirm merchant notification | evt_payment_captured_001 | Signed event delivered | delivered |
| Receipt proof | Support lead | Confirm guest payer receipt | EP-RCPT-2026-00041 | Support can explain payment | ready |
| Reconciliation | Finance control | Match provider file to ledger | recon_run_school_2026_001 | No difference; statement approved | statement matched |
| Treasury handoff | Finance operator | Hold until bank confirmation | rafidain_transfer_pending_8821 | Merchant payout remains provider pending | provider pending |
Risk desk
Allowed with low-risk reference
allowedSchool fee reference and amount are within merchant limit policy. No hold beyond default reserve.
Decisionrisk_decision_scenario_001
Reserve6,250 IQD
Provider operations
Local card route selected
selectedProvider route decision selected the IQD live card adapter and captured the payment.
ProviderLocal Card Switch
Routeroute_live_cards_iqd
Ledger control
Balanced movement posted
matchedGross capture, platform fee, merchant net, and reserve hold are visible as immutable evidence.
Movementmov_payment_capture_001
Gross125,000 IQD
Developer ops
Webhook delivered
deliveredMerchant endpoint received signed `payment.captured` event. Payload hash and signature evidence are retained.
Eventevt_payment_captured_001
Endpointmerchant.example.test/webhooks/epara
Finance
Settlement line ready
readyThe captured payment is included in the daily IQD statement and next payout calculation.
Statementset_2026_06_15_iqd
Reconciliation runrecon_run_school_2026_001
Payout destinationRafidain Bank **** 8821
Support
Receipt and refund path available
readySupport can identify the guest payer, receipt, refund capacity, and dispute path without editing immutable records.
Receiptrcpt_scenario_001
Refund requestrefreq_school_2026_001
Customeralia.school.parent@example.test
Dispute operations
Chargeback evidence submitted
evidence submittedIf the payer disputes the hosted checkout payment, support, risk, provider ops, merchant, and finance work from one case record.
Chargebackchb_school_2026_open
Amount at risk125,000 IQD
Evidence packageevpkg_school_2026_ready
Checkout outcomes
No-capture attempts are explainable
monitoredFailed, expired, and cancelled sessions are retained as customer-service evidence but do not create fees, reserves, receipts, or payouts.
Authenticationauth_school_2026_001
Failed attemptatt_school_failed_001
Expiredcs_school_2026_expired_001
Cancelledcs_school_2026_cancelled_001
Terminal operations
Card-present capture is matched
matchedCounter reader authorization, terminal batch, ledger movement, and customer POS receipt are retained for card-present support.
Paymentpay_pos_scenario_001
ReaderCounter Reader 01
Batchbatch_counter_2026_06_15