Mode

Statement Detail

Merchant finance view for how hosted checkout and POS card-present captures become fee, reserve, balance, and payout lines.

ReportsPayment objectPOS paymentPayout detailOperator review
Statement export pack

Which files support this statement?

Merchant accountant sees the approved statement alongside paid payer, unpaid follow-up, reminder, payout, and reconciliation evidence.

reporting_school_2026_001
ready
Collected125,000 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 accountantWhat can I book today?Approved IQD statement with gross, fee, reserve, and netreport_statement_exportstmt_export_school_2026_csv163,660 IQDapprovedMerchant financeWhat will arrive in the bank?Payout forecast tied to provider-pending transferreport_payout_forecastrafidain_transfer_pending_8821155,310 IQDprovider pendingEpara financeCan Epara explain the settlement?Reconciliation run proves no provider difference remainsreport_reconciliation_proofrecon_run_school_2026_0010 IQDmatched
Statement action console

What does accounting do with this statement?

The accountant can export the statement pack and trace payout status; treasury still controls release to the bank.

merchant_action_console_school_2026
ready
Completed0/5Demo 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.
Merchant ownerWho needs a payment nudge?SCH-2026-00042 reminder is sent from the collection pagemerchant_action_send_whatsappwa_remind_school_2026_00042No money moves until the payer completes checkout
ready to send
Merchant financeWhat list goes to the finance office?Unpaid follow-up file includes references, contacts, and next actionmerchant_action_export_unpaidexport_school_unpaid_2026_csvExport is a report; it cannot capture or refund money
ready
Merchant accountantWhat can accounting book today?Statement pack includes gross, fees, reserve, net, and payout contributionmerchant_action_export_statementstmt_export_school_2026_csvStatement is immutable evidence; payout still follows treasury flow
approved
Merchant financeWhen will money reach the bank?Payout is provider pending and visible to support and financemerchant_action_check_payoutrafidain_transfer_pending_8821Merchant can inspect status; Epara treasury controls release
provider pending
Latest resultmerchant_action_send_whatsappSCH-2026-00042 reminder is sent from the collection pageNo money moves until the payer completes checkout
Open evidence
Merchant statement

set_2026_06_15_iqd

54,831,533 IQD
approvedDaily IQD statement for Demo Market
Payment capturedpay_scenario_001 from plink_school_2026 created the first statement line.
POS card-present payment capturedpay_pos_scenario_001 from Counter Reader 01 added terminal batch evidence.
Fees and reserves applied3,340 IQD total fee and 8,350 IQD total reserve are separated before payout.
Statement approvedGenerated Jun 15, 2026, 2:00 PM and approved Jun 15, 2026, 2:03 PM.
Payout provider pendingrafidain_transfer_pending_8821 is waiting for bank confirmation.

Statement lines

Merchant finance sees the money breakdown without provider internals or privileged operator controls.

TypeObjectDirectionAmountAccountStatus
payment_capturepay_scenario_001credit125,000 IQDmerchant_gross_receivablematched
platform_feepay_scenario_001debit2,500 IQDplatform_fee_revenuematched
risk_reserve_holdreserve_school_2026_001debit6,250 IQDmerchant_reservematched
merchant_netmov_payment_capture_001credit122,500 IQDmerchant_available_balancematched
pos_card_present_capturepay_pos_scenario_001credit42,000 IQDmerchant_gross_receivablematched
pos_platform_feepay_pos_scenario_001debit840 IQDplatform_fee_revenuematched
pos_risk_reserve_holdreserve_pos_2026_001debit2,100 IQDmerchant_reservematched
pos_merchant_netmov_pos_capture_001credit41,160 IQDmerchant_available_balancematched
payout_contributionpo_school_2026_001debit155,310 IQDpayout_payableprovider pending
reconciliation_differencerecon_run_school_2026_001none0 IQDreconciliation_controlmatched

Payment contribution summary

The same online and POS payment facts appear in payment detail, POS detail, payout detail, and reconciliation review.

MetricValueSource
Hosted checkout gross125,000 IQDpay_scenario_001
POS card-present gross42,000 IQDpay_pos_scenario_001
Total platform fee3,340 IQDpricing_policy_iqd_live
Total reserve hold8,350 IQDrisk_reserve_default
Merchant net before reserve163,660 IQDledger_movements
Total payout contribution155,310 IQDpo_school_2026_001

Statement money bridge

The merchant statement shows what belongs to the merchant while the company owner view separates Epara revenue, cost, liability, and margin.

Merchant vs Epara owner
Money factAmountMerchant viewEpara owner viewEvidenceStatus
Customer volume167,000 IQDGross sales collected for Demo MarketProcessed GMV, not company revenuepay_scenario_001, pay_pos_scenario_001tracked
Epara fee3,340 IQDFee deducted from merchant settlementPlatform fee revenue before provider and ops costprice_demo_market_iq_2026revenue
Reserve hold8,350 IQDHeld balance released by risk policyMerchant liability, not revenueset_2026_06_15_iqdnot revenue
Merchant payout eligible155,310 IQDExpected payout after fee and reserve checksPayable owed to merchantpo_school_2026_001payable
Provider and ops cost1,340 IQDNot shown in merchant statementDirect cost of processing and operating the paymentcost_school_2026_directcost
Net platform contribution2,000 IQDNot merchant balanceContribution before overheadrev_school_2026_001margin
Company owner / platform finance

Platform revenue model

Customer payment volume, merchant payout, reserve liability, and Epara revenue are separated from the same scenario statement.

revenue recognized2,000 IQDnet contribution before overhead
Customer volume167,000 IQDGMV, not revenue
Merchant fee revenue3,340 IQDprice_demo_market_iq_2026
Reserve held8,350 IQDliability, not income
Merchant payout eligible155,310 IQDpo_school_2026_001
Customer167,000 IQD

Pays merchant collection

capturedpay_scenario_001, pay_pos_scenario_001
Epara3,340 IQD

Earns merchant service fee

revenueprice_demo_market_iq_2026
Risk ledger8,350 IQD

Holds reserve, not income

not revenueset_2026_06_15_iqd
Finance155,310 IQD

Pays merchant eligible net

payablepo_school_2026_001
Company owner2,000 IQD

Reads net platform contribution

marginrev_school_2026_001
Developers