Balances 54,676,223 IQD
Ledger-derived merchant balance, payout reserve, debt, payout destinations, schedules, and recent payout activity.
Merchant finance case
provider pendingpay_scenario_001
Merchant finance sees exactly how the customer payment becomes gross balance, Epara fee, reserve hold, statement line, and payout contribution. Provider internals stay in Epara backoffice.
Customer paid125,000 IQDSCH-2026-00041
Epara fee2,500 IQDprice_demo_market_iq_2026
Reserve hold6,250 IQD7 day release
Available after payment54,792,473 IQDsettle_demo_market_daily_iqd
| Money fact | Amount | Merchant view | Epara owner view | Evidence | Status |
|---|---|---|---|---|---|
| Customer volume | 167,000 IQD | Gross sales collected for Demo Market | Processed GMV, not company revenue | pay_scenario_001, pay_pos_scenario_001 | tracked |
| Epara fee | 3,340 IQD | Fee deducted from merchant settlement | Platform fee revenue before provider and ops cost | price_demo_market_iq_2026 | revenue |
| Reserve hold | 8,350 IQD | Held balance released by risk policy | Merchant liability, not revenue | set_2026_06_15_iqd | not revenue |
| Merchant payout eligible | 155,310 IQD | Expected payout after fee and reserve checks | Payable owed to merchant | po_school_2026_001 | payable |
| Provider and ops cost | 1,340 IQD | Not shown in merchant statement | Direct cost of processing and operating the payment | cost_school_2026_direct | cost |
| Net platform contribution | 2,000 IQD | Not merchant balance | Contribution before overhead | rev_school_2026_001 | margin |
Scheduled payouts move eligible Merchant Balance after reserve, debt, risk, and destination checks.View payout activity
Balance summary
Incoming41,353,696 IQD
Available54,676,223 IQD
Reserve1,620,000 IQD
Merchant debt294,000 IQD
Payouts
Available for payout54,676,223 IQD
Next payout54,831,533 IQD
Statusprovider pending
| Amount | Status | Destination | Provider | Created | Paid |
|---|---|---|---|---|---|
| 54,831,533 IQD | provider pending | Rafidain Bank **** 8821 | Rafidain Bank Adapter | Jun 15, 2:05 PM | - |
| 2,222 IQD | created | Risk rule payout **** 1781443669169 | - | Jun 14, 1:30 PM | - |
| 12,500,000 IQD | provider pending | Rafidain Bank **** 8821 | Rafidain | Jun 14, 1:20 PM | - |
| 2,468 IQD | failed | Playwright failed Rafidain **** 1781443667044 | - | Jun 14, 1:10 PM | - |
| 41,351,474 IQD | created | Rafidain Bank **** 8821 | Rafidain | Jun 13, 11:00 AM | - |
| 4,321 IQD | approved | Rafidain Bank **** 8821 | Rafidain | Jun 12, 11:00 AM | - |
| 4,567 IQD | paid | Playwright Rafidain **** 4567 | - | Jun 11, 11:00 AM | Jun 11, 12:00 PM |
Reports
Balance summaryCurrent month
Payout reconciliationCurrent month
Payout destinations2
Active schedules1
| Line | Type | Bucket | Impact | Direction | Amount | Account change | Reference | Created |
|---|---|---|---|---|---|---|---|---|
| stmt_line_school_gross | payment_capture | merchant_gross_receivable | gross_received | credit | 125,000 IQD | +125,000 IQD | payment_capture:pay_scenario_001 | Jun 15, 2:00 PM |
| stmt_line_school_fee | platform_fee | platform_fee_revenue | fee_debited | debit | 2,500 IQD | -2,500 IQD | platform_fee:pay_scenario_001 | Jun 15, 2:00 PM |
| stmt_line_school_reserve | risk_reserve_hold | merchant_reserve | reserve_held | debit | 6,250 IQD | -6,250 IQD | risk_reserve_hold:reserve_school_2026_001 | Jun 15, 2:00 PM |
| stmt_line_school_net | merchant_net | merchant_available_balance | available_increase | credit | 122,500 IQD | +122,500 IQD | merchant_net:mov_payment_capture_001 | Jun 15, 2:00 PM |
| stmt_line_school_payout_contribution | payout_contribution | payout_payable | payout_selected | debit | 155,310 IQD | -155,310 IQD | payout_contribution:po_school_2026_001 | Jun 15, 2:00 PM |
| btxn_1001 | payment_capture | merchant_balance | available_increase | credit | 100,000 IQD | +100,000 IQD | payment:pay_87155aee | Jun 14, 1:27 PM |
| btxn_1002 | platform_fee | merchant_balance | fee_debit | debit | 2,500 IQD | -2,500 IQD | payment:pay_87155aee | Jun 14, 1:27 PM |
| btxn_1003 | reserve_hold | reserve | reserve_increase | debit | 50,000 IQD | +50,000 IQD reserve | risk_hold:risk_hold_1001 | Jun 14, 1:28 PM |
| btxn_1004 | payout created | merchant_balance | available_decrease | debit | 41,351,474 IQD | -41,351,474 IQD | payout:po_1004 | Jun 13, 11:00 AM |
| btxn_1005 | chargeback opened | debt | debt_increase | debit | 75,000 IQD | +75,000 IQD debt | chargeback:chb_demo_001 | Jun 15, 10:30 AM |
| btxn_1006 | refund_processed | merchant_balance | available_decrease | debit | 12,000 IQD | -12,000 IQD | refund:ref_1001 | Jun 13, 2:20 PM |
| btxn_1007 | reserve_release | reserve | reserve_decrease | credit | 250,000 IQD | -250,000 IQD reserve | release:rel_1001 | Jun 12, 9:00 AM |
| btxn_1008 | payout_paid | merchant_balance | settlement_complete | debit | 4,567 IQD | Settled | payout:po_1006 | Jun 11, 12:00 PM |
| Merchant | Status | Type | Provider | Currency | Destination | Default |
|---|---|---|---|---|---|---|
| E-Ticaretik Demo Market | active | bank_account | Rafidain Bank Adapter | IQD | Rafidain Bank **** 8821 | Yes |
| E-Ticaretik Demo Market | active | wallet | ZainCash | IQD | ZainCash **** 0021 | No |
| Merchant | Status | Cadence | Minimum | Reserve buffer | Destination | Next run |
|---|---|---|---|---|---|---|
| E-Ticaretik Demo Market | active | daily | 1,000 IQD | 50,000 IQD | Rafidain Bank **** 8821 | Jun 15, 8:00 AM |