Payment Detail
Merchant-facing payment object with receipt, fee, net, reserve, checkout, webhook, and ledger evidence.
Payment lifecycle
statement matchedStatement matched
Merchant sees one payment object progress from hosted checkout to receipt, webhook, statement, and payout readiness.
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.
Developer handoff
fulfilledHow does this payment reach the merchant system?
The merchant payment object links checkout, capture, webhook delivery, fulfillment, and support proof without exposing provider internals.
int_handoff_school_2026_001Paymentpay_scenario_001
Webhookevt_payment_captured_001
Credentialcred_demo_live_01
Fulfillmentfulfill_school_fee_reference_00041
Customer checkoutCapture payment after customer approvalDid customer money move?int_step_customer_capturepay_scenario_001capturedMerchant developerVerify signed payment.captured webhookCan merchant system trust the event?int_step_webhook_verifysha256:8f1d6c0f0f9f1d1a6a7f9c93dd4f0b1d55fb6c4d4f2e2f0a91c1c6f5e8a3a102deliveredMerchant operationsMark student reference paidCan the school stop reminders?int_step_fulfillmentfulfill_school_fee_reference_00041fulfilled
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
Payment evidence pack
audit readyWhich evidence belongs to this payment?
The payment object ties checkout, method route, provider capture, ledger movement, webhook, statement, and payout evidence together.
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 capturecapturedPayment method routepm_review_demo_market_iq_2026evpack_method_routeLocal card route is approved for IQD guest card checkoutBackofficeMerchant cannot bypass route approvallive readyProvider captureroute_live_cards_iqdevpack_provider_captureProvider capture reference is accepted before payout handoffOperations, risk, reconciliationCapture proof only; payout still gatedops clearedLedger movementmov_payment_capture_001evpack_ledger_movementGross, fee, reserve, and merchant balance entries are balancedOperations, finance, company ownerImmutable financial postingmatchedWebhook 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 matched
Payment screen map
readyWhich customer screens produced this payment?
Merchant payment detail can explain checkout, OTP, retry/no-capture, receipt, and optional wallet routes.
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 actionCustomer / supportCustomer receiptscreen_receiptLogin: NoHow do I prove I paid?Read-only proof after captureEP-RCPT-2026-00041issuedCustomer / 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 actions touched this payment?
The payment object shows the browser demo actions that explain method choice, merchant follow-up, support intake, and operator review.
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
pay_scenario_001
125,000 IQD
capturedCaptured through Hosted Checkout
Checkout session createdcs_school_2026_001 from plink_school_2026
Customer paid as guestalia.school.parent@example.test
Ledger movement postedmov_payment_capture_001 balanced fee, reserve, and merchant balance postings.
Webhook deliveredevt_payment_captured_001 payment.captured
Object references
Receiptrcpt_scenario_001
Provider routeroute_live_cards_iqd
ProviderLocal Card Switch
Settlementset_2026_06_15_iqd
Payoutpo_school_2026_001
Webhook eventevt_payment_captured_001
| Outcome | Object | Status | Money effect | Customer route |
|---|---|---|---|---|
| Issuer authentication | auth_school_2026_001 | authenticated | capture after approval | /pay/school-fee/authenticate |
| Failed attempt | att_school_failed_001 | failed | no capture | /pay/school-fee/retry |
| Expired checkout | cs_school_2026_expired_001 | expired | none | /pay/school-fee/expired |
| Cancelled checkout | cs_school_2026_cancelled_001 | cancelled | none | /pay/school-fee/cancelled |