Epara Platform

Scenario operations case

pay_scenario_001

Operations sees the same customer payment as a controlled case: audit entry, permission boundary, outbox/webhook delivery, receipt proof, ledger movement, reconciliation match, and payout readiness are all connected before money leaves the platform.

review required

Captured amount125,000 IQDcs_school_2026_001

Audit / receiptEP-RCPT-2026-00041Customer proof without forced signup

Webhook outboxevt_payment_captured_001delivered

Statement / payoutset_2026_06_15_iqdpo_school_2026_001

Collection batchbatch_school_2026_import_001Due Jun 20, reminders scheduled

Operations decision queue

Clearance before release

Operations can prove every queue owner cleared capture, support, refund risk, reconciliation, and treasury handoff.

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 cleared SupportCan we answer the customer without changing money?Send receipt proof; refund requires maker-checker approvalop_decision_support_no_money_movetkt_school_parent_receipt_001customer safe Refund approvalCan a refund affect payout?Hold payout release until refund decision is clearop_decision_refund_gaterefreq_school_2026_001approval ready TreasuryCan merchant payout leave Epara control?Release after Rafidain provider confirmationop_decision_treasury_releaserafidain_transfer_pending_8821provider pending

Operations action console

Which operational queues are cleared?

Operations can verify provider capture, support safety, refund gate, reconciliation, and treasury handoff before payout leaves control.

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

SupportCan support answer without changing money?Support can explain receipt, refund path, and payout statusoperator_action_support_safe_answerop_decision_support_no_money_movetkt_school_parent_receipt_001Customer answer only; no refund or payout movement

customer safe

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

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

Operations notification handoff

Are customer and merchant messages explainable?

Operations sees receipt delivery, merchant alert, reminder jobs, and support intake before clearing the payment case.

notify_school_2026_001

active

Customer 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_001delivered Merchant 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_captureddelivered Epara 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 Notification opsCan ops prove notifications did not move money?Delivery attempts and ledger-boundary checks are visible in control center.Control centernotify_backoffice_controlnotif_ledger_boundary_school_2026controlled

Operations evidence pack

What cleared before payout handoff?

Operations sees provider capture, webhook, ledger, receipt support, reconciliation, and treasury handoff evidence in order.

evidence_pack_school_2026_001

audit ready

Paymentpay_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

Provider captureroute_live_cards_iqdevpack_provider_captureProvider capture reference is accepted before payout handoffOperations, risk, reconciliationCapture proof only; payout still gatedops cleared Webhook deliveryevt_payment_captured_001evpack_webhook_deliverySigned payment.captured event lets the merchant fulfill safelyMerchant developer, operationsNotification only; does not move fundsdelivered Ledger movementmov_payment_capture_001evpack_ledger_movementGross, fee, reserve, and merchant balance entries are balancedOperations, finance, company ownerImmutable financial postingmatched Statement matchrecon_run_school_2026_001evpack_statementProvider file, ledger, statement, and POS contribution match with no differenceMerchant finance, reconciliationStatement supports payout but does not release itstatement matched Payout handoffrafidain_transfer_pending_8821evpack_payoutMerchant payout is provider pending after upstream controls clearMerchant finance, treasury, supportBank transfer remains controlled by treasuryprovider pending

Payment screen map

Which customer screen is operations clearing?

Operations clears provider capture, no-capture outcomes, receipt evidence, and refund receipt evidence against the same checkout journey.

payment_screen_map_school_2026_001

ready

Entry 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_001captured Customer / issuerIssuer OTP challengescreen_issuer_otpLogin: NoWhat if my issuer asks for OTP?Capture happens only after authentication succeedsauth_school_2026_001requires action CustomerFailed payment retryscreen_retryLogin: NoCan I try another method?Failed attempt creates no receipt, fee, reserve, or payoutatt_school_failed_001failed Customer / supportExpired checkoutscreen_expiredLogin: NoDid money move after timeout?No capture and no refund workcs_school_2026_expired_001expired Customer / supportCancelled checkoutscreen_cancelledLogin: NoWhat if I cancel before paying?No customer money movedcs_school_2026_cancelled_001cancelled Customer / supportCustomer receiptscreen_receiptLogin: NoHow do I prove I paid?Read-only proof after captureEP-RCPT-2026-00041issued Customer / 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

Which operational actions are recorded?

Operations reads provider, support, reconciliation, and treasury actions as an audit trail before payout handoff.

action_ledger_school_2026_001 / evidence_pack_school_2026_001

Payment 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 moneycompleted WorkflowPay as guestledger_stage_paymentCustomerPayment lifecycle stage is capturedrcpt_scenario_001Capture creates receipt, ledger, fee, reserve, and statement evidencecompleted WorkflowPrepare payout handoffledger_stage_payoutEpara financeset_2026_06_15_iqd supports po_school_2026_001rafidain_transfer_pending_8821Payout remains provider pending until treasury clears itprovider pending Customer supportResend receiptcust_action_resend_receiptCustomerSupport can resend immutable receipt proofEP-RCPT-2026-00041Customer request creates support context; approval controls money movementselected Payment 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.

Queue	Actor	Evidence	Decision	Status
Provider capture review	Operations analyst	route_live_cards_iqd	Capture reference accepted	ops cleared
Webhook outbox	Developer ops	evt_payment_captured_001	Signed event delivered	delivered
Receipt proof	Support lead	EP-RCPT-2026-00041	Support can explain payment	ready
Reconciliation	Finance control	recon_run_school_2026_001	No difference; statement approved	statement matched
Treasury handoff	Finance operator	rafidain_transfer_pending_8821	Merchant payout remains provider pending	provider pending

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
-	WhatsApp	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

Open payment review Ledger evidence Webhook event Reconciliation Support case Payout detail

Ledger Integrity

Healthyno

Checked Movements0

Checked Accounts0

Unbalanced Movements0

Posting Presence Issues0

Projection Drift Issues0

Negative Projection Issues0

Projection Invariant Issues0

Platform Capability Controls

Active Blocks0

Money Movementopen

Recorded Controls0

No records yetRecords will appear here after the first live or test activity.

Platform Capability Control Database Guards

HealthyNo

Installed Guards0 / 0

Legacy Issues0

No records yetRecords will appear here after the first live or test activity.

Audit Trail Integrity

Healthyno

Signed Entries0

Checked Entries0

Legacy Unsigned0

Issues0

Latest Hashgenesis

Audit Trail Database Guards

HealthyNo

Installed Guards0 / 0

Unsigned Legacy0

Blocking Legacy Issues0

Broken Parents0

No records yetRecords will appear here after the first live or test activity.

Permission Check Database Guards

HealthyNo

Installed Guards0 / 0

Legacy Issues0

No records yetRecords will appear here after the first live or test activity.

Role Assignment Database Guards

HealthyNo

Installed Guards0 / 0

Legacy Issues0

No records yetRecords will appear here after the first live or test activity.

Immutable Record Guards

Healthyno

Installed Guards0/0

No records yetRecords will appear here after the first live or test activity.

Ledger Database Guards

Healthyno

Installed Guards0/0

No records yetRecords will appear here after the first live or test activity.

Wallet Idempotency Guards

HealthyNo

Installed Guards0 / 0

Legacy Issues0

Legacy Policy Evidence Gaps0

No records yetRecords will appear here after the first live or test activity.

Approval Separation Guards

Healthyno

Installed Guards0/0

Legacy Self Approvals0

No records yetRecords will appear here after the first live or test activity.

Merchant Account Control Database Guards

HealthyNo

Checked0 ms

No records yetRecords will appear here after the first live or test activity.

Observability Events

No records yetRecords will appear here after the first live or test activity.

Incident Runbooks

No records yetRecords will appear here after the first live or test activity.

Incident Drills

No records yetRecords will appear here after the first live or test activity.

Support Tickets

No records yetRecords will appear here after the first live or test activity.

Case Timeline

No records yetRecords will appear here after the first live or test activity.

Account Closures

No records yetRecords will appear here after the first live or test activity.

Account Closure Checks

No records yetRecords will appear here after the first live or test activity.

Receipt Claims

No records yetRecords will appear here after the first live or test activity.

Sensitive Files

No records yetRecords will appear here after the first live or test activity.

Sensitive File Versions

No records yetRecords will appear here after the first live or test activity.

Sensitive File Access Logs

No records yetRecords will appear here after the first live or test activity.

Sensitive File Storage Objects

No records yetRecords will appear here after the first live or test activity.

Sensitive File Access Tokens

No records yetRecords will appear here after the first live or test activity.

Financial Report

No records yetRecords will appear here after the first live or test activity.

Financial Report Runs

No records yetRecords will appear here after the first live or test activity.

Financial Report Exports

No records yetRecords will appear here after the first live or test activity.

Reconciliation Differences

No records yetRecords will appear here after the first live or test activity.

Reconciliation File Summary

No records yetRecords will appear here after the first live or test activity.

Reconciliation Runs

No records yetRecords will appear here after the first live or test activity.

Provider Reconciliation Files

No records yetRecords will appear here after the first live or test activity.

Reconciliation Items

Webhook Delivery Attempts

No records yetRecords will appear here after the first live or test activity.

Balance Adjustments

No records yetRecords will appear here after the first live or test activity.

Consumer Cash-outs

No records yetRecords will appear here after the first live or test activity.

Immutable Receipts

No records yetRecords will appear here after the first live or test activity.

Outbox Events

No records yetRecords will appear here after the first live or test activity.

Outbox Worker Readiness

Dispatchable0

Processing0

Published0

Dead Lettered0

Latest Runnone

Latest Worker-

Outbox Database Guards

HealthyNo

Installed Guards0 / 0

Legacy Issues0

No records yetRecords will appear here after the first live or test activity.

Outbox Worker Runs

No records yetRecords will appear here after the first live or test activity.

Outbox Dispatch Attempts

No records yetRecords will appear here after the first live or test activity.

Dead Letter Queue

ID	Topic	Key	Attempts	Worker	Reason	Dead Lettered
dlq_school_fee_healthy	payment.captured	evt_payment_captured_001	0	ops_dashboard	No dead letters for the school-fee scenario	healthy

Audit Trail

No records yetRecords will appear here after the first live or test activity.

pay_scenario_001

Clearance before release

Which operational queues are cleared?

Are customer and merchant messages explainable?

What cleared before payout handoff?

Which customer screen is operations clearing?

Which operational actions are recorded?

Operational clearance checklist

Collection delivery evidence

Ledger Integrity

Platform Capability Controls

Platform Capability Control Database Guards

Audit Trail Integrity

Audit Trail Database Guards

Permission Check Database Guards

Role Assignment Database Guards

Immutable Record Guards

Ledger Database Guards

Wallet Idempotency Guards

Approval Separation Guards

Merchant Account Control Database Guards

Balance Adjustment Database Guards

Payment Authorization Database Guards

Payment Database Guards

Checkout Surface Database Guards

Observability Readiness

Runtime Readiness

Observability Events

Incident Runbooks

Incident Drills

Support Tickets

Case Timeline

Account Closures

Account Closure Checks

Receipt Claims

Sensitive Files

Sensitive File Versions

Sensitive File Access Logs

Sensitive File Storage Objects

Sensitive File Access Tokens

Financial Report

Financial Report Runs

Financial Report Exports

Reconciliation Differences

Reconciliation File Summary

Reconciliation Runs

Provider Reconciliation Files

Reconciliation Items

Webhook Endpoints

External Secret Database Guards

Webhook Delivery Database Guards

Notification Database Guards

Saved Payment Method Database Guards

Financial Limit Database Guards

Verification Policy Database Guards

Agreement Database Guards

Account Closure Database Guards

FX Conversion Database Guards

Pricing Database Guards

Provider Routing Database Guards

Provider Operation Database Guards

Provider Event Database Guards

Provider Callback Security Database Guards

Refund Database Guards

Payout Database Guards

Payout Destination Schedule Database Guards

Cash-out Database Guards

External Transfer Attempt Database Guards

Merchant Settlement Database Guards

Reconciliation Database Guards

Financial Report Database Guards

Rate Limit Database Guards

Risk Control Database Guards

Terminal Database Guards

Identity Database Guards

Chargeback Database Guards

Webhook Deliveries

Webhook Delivery Attempts

Balance Adjustments

Consumer Cash-outs