Mode

Payout Detail

Finance and operations view for how hosted checkout and POS captures contribute to the merchant's next IQD payout.

Payment objectPOS paymentBackoffice reviewStatementWebhook evidence
Payment lifecycle

Statement matched

Finance and operations see how captured customer money becomes matched statement evidence and then a provider-pending merchant payout.

statement matched
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
created
Issuer authentication requiredCustomer can still pay as guest; issuer OTP must pass before capture.auth_school_2026_001
authentication required
Authentication approvedAuthentication evidence is retained for risk, support, and dispute work.acs_school_2026_001
authenticated
Payment authorizedThe selected IQD card route confirms the amount before capture.route_live_cards_iqd
authorized
Capture postedGross, fee, merchant net, and reserve hold become immutable ledger evidence.mov_payment_capture_001
captured
Receipt issuedCustomer receives an immutable receipt without needing an Epara account.EP-RCPT-2026-00041
receipt issued
Merchant webhook deliveredMerchant endpoint receives signed payment.captured notification.evt_payment_captured_001
webhook delivered
Statement matchedHosted checkout capture appears in merchant statement and operator reconciliation.set_2026_06_15_iqd
statement matched
Payout pendingEligible merchant balance waits for provider payout confirmation.po_school_2026_001
pending

Failed, expired, and cancelled checkout sessions never create fee, reserve, receipt, or payout lines.

Treasury decision queue

Payout release decision

Treasury sees why the payout is provider pending and which upstream controls prove the merchant can be paid.

op_decision_school_2026_001
provider pending
Paymentpay_scenario_001
Statementset_2026_06_15_iqd
Payoutpo_school_2026_001
Final decisionrelease_after_provider_confirmation
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 safeRefund approvalCan a refund affect payout?Hold payout release until refund decision is clearop_decision_refund_gaterefreq_school_2026_001approval readyReconciliationDo provider, ledger, and statement match?No difference; statement is approvedop_decision_reconciliation_matchrecon_run_school_2026_001statement matchedTreasuryCan merchant payout leave Epara control?Release after Rafidain provider confirmationop_decision_treasury_releaserafidain_transfer_pending_8821provider pending
Treasury action console

Can the payout leave Epara control?

Treasury sees upstream support, refund, risk, and reconciliation evidence before keeping or releasing the provider transfer.

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
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
ReconciliationDo provider, ledger, and statement match?No difference; statement can support payout handoffoperator_action_reconciliation_matchop_decision_reconciliation_matchrecon_run_school_2026_001Statement evidence only; treasury still controls release
statement matched
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
Payout risk gate

Can this payout leave Epara control?

Treasury sees whether refund and dispute exposure are clear enough before releasing merchant funds to the bank provider.

risk_decision_map_school_2026
allowed
Paymentpay_scenario_001
Risk decisionrisk_decision_scenario_001
Reserve6,250 IQD
Payoutpo_school_2026_001
Risk 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 readyRisk analystIf the payer disputes, is evidence ready?Submit checkout, auth, receipt, webhook, and support packagerisk_map_dispute_evidenceevpkg_school_2026_ready125,000 IQDevidence submittedRisk leadCan merchant payout leave Epara control?Release only after refund and dispute exposure are explainablerisk_map_payout_releasepo_school_2026_00154,831,533 IQDprovider pending
Payout

po_school_2026_001

54,831,533 IQD
provider pendingDaily payout to Rafidain Bank **** 8821
Payment capturedpay_scenario_001 added eligible balance after fee and reserve.
POS payment capturedpay_pos_scenario_001 added 39,060 IQD from terminal batch batch_counter_2026_06_15.
Settlement statement createdset_2026_06_15_iqd includes hosted checkout, POS, fee, reserve, and payout lines.
Schedule run completedpsrun_school_2026_001 selected the approved Rafidain destination.
Provider transfer pendingrafidain_transfer_pending_8821 is waiting for bank confirmation.

Payout contribution lines

Merchant finance can see which captured payment sources are included before bank transfer confirmation.

SourceObjectGrossFeeReserveContributionStatus
Hosted checkoutpay_scenario_001125,000 IQD2,500 IQD6,250 IQD116,250 IQDmatched
POS card-presentpay_pos_scenario_00142,000 IQD840 IQD2,100 IQD39,060 IQDmatched

Operational evidence

Permission checkperm_payout_school_2026
Approval tracetrace_payout_school_2026
Approval movementmov_payout_approval_school_2026
Provider operationprovop_payout_school_2026

Finance control

DestinationRafidain Bank **** 8821

Approved default payout destination for Demo Market. No customer card data is involved in the payout.

Reconciliationset_2026_06_15_iqd

Finance can compare settlement lines, provider operation, payout status, and merchant balance impact.

Open operator reconciliation
Supportalia.school.parent@example.test

Support can explain that the customer's payment is captured while merchant payout is still provider pending.

Payout release controls

Treasury keeps the bank transfer provider pending until the operational queues prove capture, webhook, receipt, reconciliation, and handoff evidence.

provider pending
QueueActorEvidenceDecisionStatus
Provider capture reviewOperations analystroute_live_cards_iqdCapture reference acceptedops cleared
Webhook outboxDeveloper opsevt_payment_captured_001Signed event delivereddelivered
Receipt proofSupport leadEP-RCPT-2026-00041Support can explain paymentready
ReconciliationFinance controlrecon_run_school_2026_001No difference; statement approvedstatement matched
Treasury handoffFinance operatorrafidain_transfer_pending_8821Merchant payout remains provider pendingprovider pending
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