Hosted checkoutready
Guest checkout pageCreate collection pagepm_hosted_checkoutready_school_link_2026Payment Link Detail
Merchant view for the hosted collection page created for a customer-facing payment.
Collection daily ops
attention requiredDaily collection work
The published tahsil page stays operational after it goes live: the merchant can track who paid, who needs a reminder, and which evidence support or finance will use.
daily_ops_school_2026_06_16Collected today125,000 IQDSCH-2026-00041 paid by guest checkout
Outstanding250,000 IQD2 payer references still need follow-up
Next payoutJun 16, 2026 09:00po_school_2026_001 provider pending
Support watch1 receipt questionSupport can answer without moving money
Merchant ownerDid the customer pay?SCH-2026-00041 captured for 125,000 IQDdaily_ops_paid_referencepay_scenario_001capturedMerchant financeWho still owes money?SCH-2026-00042 opened WhatsApp checkout but has not paiddaily_ops_unpaid_followup_042wa_remind_school_2026_00042scheduledMerchant ownerWhich reference needs action?SCH-2026-00043 has QR ready but no checkout session yetdaily_ops_unpaid_followup_043sms_remind_school_2026_00043ready to sendEpara supportCan support answer the parent?Receipt proof, refund status, and dispute package are linkeddaily_ops_receipt_supporttkt_school_parent_receipt_001assigned
Published collection methods
live readyPayment method readiness
The payment link detail keeps the same readiness evidence after publish, so support and finance know how the customer was allowed to pay.
MerchantDemo Market
Live methods6 live / 0 blocked
Customer entry/pay/school-fee
Approvalpm_ready_demo_market_2026
Hosted checkoutGuest checkout pagepm_hosted_checkoutready_school_link_2026readyPayment LinksMerchant-created tahsil pagepm_payment_linkplink_school_2026activeLocal card switchCard payment without Epara accountpm_local_card_switchroute_live_cards_iqdreadyEpara WalletOptional sign-in for saved method and wallet balancepm_epara_walletwallet_optional_after_receipt_2026optional activeQR / WhatsApp / invoiceScan or open shared collection linkpm_qr_whatsapp_invoicetmpl_school_fee_whatsapp_iqdready to sendPOS contactlessCounter guest payer taps card or phone walletpm_pos_contactlesstmready_card_present_2026_001contactless ready
Customer payment entries
Payment Linksactive
Merchant-created tahsil pageShare by URL, QR, invoice, WhatsApppm_payment_linkplink_school_2026Local card switchready
Card payment without Epara accountEnabled after live approvalpm_local_card_switchroute_live_cards_iqdEpara Walletoptional active
Optional sign-in for saved method and wallet balanceAllowed as optional checkout methodpm_epara_walletwallet_optional_after_receipt_2026QR / WhatsApp / invoiceready to send
Scan or open shared collection linkGenerate artifacts from payment linkpm_qr_whatsapp_invoicetmpl_school_fee_whatsapp_iqdPOS contactlesscontactless ready
Counter guest payer taps card or phone walletTerminal location and reader readinesspm_pos_contactlesstmready_card_present_2026_001Downstream controls
Refund controlsapproval ready
Refund can be requested; approval moves moneySupport / maker-checkerpm_control_refundrefreq_school_2026_001Dispute evidenceready
Receipt, checkout, auth, webhook, and support proof are readyRisk and supportpm_control_disputedisp_school_2026_001Webhook deliverywebhook delivered
Merchant system can fulfill only after signed capture eventDeveloper operationspm_control_webhookevt_payment_captured_001Settlement and payoutprovider pending
Captured money becomes statement and provider-pending payoutMerchant finance / treasurypm_control_settlementpo_school_2026_001Customer payment entries
| Method ID | Method | Customer experience | Merchant control | Evidence | Status |
|---|---|---|---|---|---|
| pm_hosted_checkout | Hosted checkout | Guest checkout page | Create collection page | ready_school_link_2026 | ready |
| pm_payment_link | Payment Links | Merchant-created tahsil page | Share by URL, QR, invoice, WhatsApp | plink_school_2026 | active |
| pm_local_card_switch | Local card switch | Card payment without Epara account | Enabled after live approval | route_live_cards_iqd | ready |
| pm_epara_wallet | Epara Wallet | Optional sign-in for saved method and wallet balance | Allowed as optional checkout method | wallet_optional_after_receipt_2026 | optional active |
| pm_qr_whatsapp_invoice | QR / WhatsApp / invoice | Scan or open shared collection link | Generate artifacts from payment link | tmpl_school_fee_whatsapp_iqd | ready to send |
| pm_pos_contactless | POS contactless | Counter guest payer taps card or phone wallet | Terminal location and reader readiness | tmready_card_present_2026_001 | contactless ready |
Downstream controls
| Control ID | Control | Owner | Customer promise | Evidence | Status |
|---|---|---|---|---|---|
| pm_control_refund | Refund controls | Support / maker-checker | Refund can be requested; approval moves money | refreq_school_2026_001 | approval ready |
| pm_control_dispute | Dispute evidence | Risk and support | Receipt, checkout, auth, webhook, and support proof are ready | disp_school_2026_001 | ready |
| pm_control_webhook | Webhook delivery | Developer operations | Merchant system can fulfill only after signed capture event | evt_payment_captured_001 | webhook delivered |
| pm_control_settlement | Settlement and payout | Merchant finance / treasury | Captured money becomes statement and provider-pending payout | po_school_2026_001 | provider pending |
Collection method actions
live readyWhich payment methods explain this payment link?
The published collection page keeps method evidence visible so support, finance, and the merchant can explain how the customer paid.
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 to send
optional active
controlled
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 evidencePayment screen map
readyWhich customer screens can this collection page create?
The merchant-created page can open guest checkout, issuer OTP, retry/no-capture outcomes, receipt proof, and refund receipt evidence.
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
CustomerHosted collection pagescreen_collection_pageLogin: NoCan I pay the merchant without signing up?No money moves until the payer confirms a methodplink_school_2026readyCustomerGuest 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 actionCustomerFailed payment retryscreen_retryLogin: NoCan I try another method?Failed attempt creates no receipt, fee, reserve, or payoutatt_school_failed_001failedCustomer / 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 / supportCustomer receiptscreen_receiptLogin: NoHow do I prove I paid?Read-only proof after captureEP-RCPT-2026-00041issued
Collection notification handoff
activeWho was told, and what still needs follow-up?
Merchant sees receipt delivery, owner capture alert, unpaid WhatsApp/SMS reminders, and the evidence support can use later.
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
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_captureddeliveredMerchant financeWhich opened checkout needs a reminder?WhatsApp reminder is scheduled for the unpaid payer reference.WhatsAppnotify_unpaid_whatsappwa_remind_school_2026_00042scheduledMerchant ownerWhich reference has no checkout session?SMS reminder is ready for the due-soon payer reference.SMSnotify_unpaid_smssms_remind_school_2026_00043ready to sendCustomerDid the payer receive proof?Email receipt delivered; the immutable receipt stays the source of truth.Emailnotify_customer_receiptntf_customer_receipt_delivered_001delivered
Merchant evidence pack
audit readyWhat can the merchant trust?
Merchant teams see the payment, receipt, webhook, statement, and payout evidence without seeing Epara-only control internals.
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
Checkout sessioncs_school_2026_001evpack_checkout_sessionGuest card path created the payment attempt without customer signupCustomer, merchant, supportNo money before capturecapturedImmutable receiptEP-RCPT-2026-00041evpack_receiptReceipt proves the payer, merchant reference, amount, and captured statusCustomer, merchant, supportRead-only proofissuedWebhook deliveryevt_payment_captured_001evpack_webhook_deliverySigned payment.captured event lets the merchant fulfill safelyMerchant developer, operationsNotification only; does not move fundsdeliveredStatement 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 matchedPayout handoffrafidain_transfer_pending_8821evpack_payoutMerchant payout is provider pending after upstream controls clearMerchant finance, treasury, supportBank transfer remains controlled by treasuryprovider pending
Collection report pack
readyWhat does this tahsil page export?
The published collection page produces paid payer, unpaid follow-up, reminder, statement, and payout evidence for merchant finance.
reporting_school_2026_001Collected125,000 IQDSCH-2026-00041 captured with receipt EP-RCPT-2026-00041
Outstanding250,000 IQD2 payer references remain unpaid
Statement net163,660 IQDset_2026_06_15_iqd approved
Export pack4 filesexport_school_collection_2026_001
Merchant financeWho paid?Paid payer ledger with receipt and payment objectreport_paid_payersEP-RCPT-2026-00041125,000 IQDreadyMerchant ownerWho still owes money?Unpaid references export for WhatsApp/SMS follow-upreport_unpaid_followupexport_school_unpaid_2026_csv250,000 IQDreadyMerchant supportWere receipt and reminders sent?Receipt delivery, owner alert, and unpaid reminder evidencereport_notification_lognotify_school_2026_001No money movementactiveMerchant accountantWhat can I book today?Approved IQD statement with gross, fee, reserve, and netreport_statement_exportstmt_export_school_2026_csv163,660 IQDapproved
Merchant action console
readyWhat can the merchant do after publishing?
The collection page is an operating surface: send reminders, export unpaid references, prepare statement evidence, and inspect payout status without bypassing Epara controls.
merchant_action_console_school_2026Completed0/5Demo action state is local to this browser.
Collectionplink_school_2026pay_scenario_001
Reporting packreporting_school_2026_001Exports, statement, reminder log.
Money boundaryNo bypassMerchant actions do not release payout or approve refunds.
ready to send
ready
approved
provider pending
ready
Latest resultmerchant_action_send_whatsappSCH-2026-00042 reminder is sent from the collection pageNo money moves until the payer completes checkout
Open evidenceScenario action ledger
loadingWhich actions changed this collection?
Merchant actions, method confirmations, payment capture, and payout-safe boundaries are recorded against the same collection page.
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.
Payment Link
School Fee Collection
125,000 IQD
activeGuest checkout enabled, Epara Wallet optional.
Demo Market
School Fee Collection125,000 IQD
Reference SCH-2026-00041
Card Paymentready
Epara Walletready
ZainCashready
After payment
Receipt is created, webhook is delivered, and the payment appears in merchant balance and backoffice review.
Success redirect/receipt/rcpt_scenario_001
Webhook eventevt_payment_captured_001
Generated activity
Checkout sessioncs_school_2026_001
Paymentpay_scenario_001
Receiptrcpt_scenario_001
Settlement lineset_2026_06_15_iqd
Payer references3
Target amount375,000 IQD
Collected125,000 IQD
Outstanding250,000 IQD
| Step | Owner | Output | Evidence | Status |
|---|---|---|---|---|
| Import payer list | Merchant finance | 3 payer references | batch_school_2026_import_001 | validated |
| Lock student references | Collection policy | No duplicate references | ref_lock_school_2026_001 | passed |
| Apply due date | Merchant owner | Reminder window scheduled | due_school_2026_06_20 | scheduled |
| Generate share assets | Checkout | QR poster, invoice PDF, WhatsApp copy | assets_school_fee_2026_001 | ready |
| Field | Customer label | Required | Evidence |
|---|---|---|---|
| Payer name | Parent or guardian name | Required | Stored on receipt and support case |
| Student reference | School account / student ID | Required | SCH-2026-00041 |
| Contact | Email or mobile | Required | Receipt delivery and claim verification |
| Merchant note | Class or invoice note | Optional | Visible to merchant support only |
| Channel | Audience | Action | Status |
|---|---|---|---|
| Parents list | Send checkout link | ready | |
| QR poster | School cashier desk | Print and scan | ready |
| SMS reminder | Unpaid references | Remind before due date | scheduled |
| Invoice link | Finance office | Attach to invoice PDF | ready |
| Reference | Payer | Contact | Amount | Due date | Delivery | Status | Next action | Evidence |
|---|---|---|---|---|---|---|---|---|
| SCH-2026-00041 | Alia School Parent | alia.school.parent@example.test | 125,000 IQD | 2026-06-20 | Email receipt delivered | paid | No reminder | EP-RCPT-2026-00041 |
| SCH-2026-00042 | Omar Parent | omar.parent@example.test | 125,000 IQD | 2026-06-20 | WhatsApp link opened | checkout sent | SMS reminder at 17:00 | wa_open_school_2026_00042 |
| SCH-2026-00043 | Mina Parent | mina.parent@example.test | 125,000 IQD | 2026-06-20 | QR poster ready | due soon | Send WhatsApp link | qr_scan_waiting_school_2026_00043 |
| Channel | Target | Trigger | Scheduled for | Evidence | Status |
|---|---|---|---|---|---|
| SCH-2026-00042 | Checkout opened but unpaid | Jun 16, 5:00 PM | wa_remind_school_2026_00042 | scheduled | |
| SMS | SCH-2026-00043 | No checkout session | Jun 17, 9:00 AM | sms_remind_school_2026_00043 | ready to send |
| Invoice PDF | Finance office batch | Attach public checkout and QR | Jun 15, 1:40 PM | invoice_pdf_school_2026_001 | delivered |
| Artifact | Audience | Route | Evidence | Status |
|---|---|---|---|---|
| QR poster | Cashier desk and parent noticeboard | /pay/school-fee | qr_school_fee_counter_001 | ready to print |
| WhatsApp message template | Parents list | wa_share_school_2026_001 | tmpl_school_fee_whatsapp_iqd | ready to send |
| SMS reminder batch | Unpaid references | sms_due_2026_06_20 | sms_batch_school_due_001 | scheduled |
| Collection reconciliation export | Merchant finance | /reports/statements/set_2026_06_15_iqd | export_school_collection_2026_001 | ready |
| Rule | Owner | Evidence | Status |
|---|---|---|---|
| Issue immutable receipt | Checkout | /receipt/rcpt_scenario_001 | active |
| Notify merchant owner | Notifications | email_owner_payment_captured | active |
| Deliver signed webhook | Developer experience | evt_payment_captured_001 | active |
| Post fee, reserve, and net balance | Ledger | set_2026_06_15_iqd | active |
| Item | Formula | Amount | Owner |
|---|---|---|---|
| Customer paid | Fixed school fee | 125,000 IQD | Merchant |
| Epara fee | 2% card fee | 2,500 IQD | Epara revenue |
| Reserve hold | 5% for 7 days | 6,250 IQD | Merchant liability |
| Statement net | set_2026_06_15_iqd | 122,500 IQD | Merchant balance |
| Payout contribution | po_school_2026_001 | 155,310 IQD | Treasury |