Epara Platform

OverviewPaymentsFeesPayoutsReconciliation

Merchant reporting pack

What can merchant finance export today?

Reports ties the collection ledger, unpaid follow-up, statement export, payout forecast, notification log, and reconciliation proof into one accounting-ready pack.

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 IQDready Merchant ownerWho still owes money?Unpaid references export for WhatsApp/SMS follow-upreport_unpaid_followupexport_school_unpaid_2026_csv250,000 IQDready Merchant accountantWhat can I book today?Approved IQD statement with gross, fee, reserve, and netreport_statement_exportstmt_export_school_2026_csv163,660 IQDapproved Merchant financeWhat will arrive in the bank?Payout forecast tied to provider-pending transferreport_payout_forecastrafidain_transfer_pending_8821155,310 IQDprovider pending Merchant supportWere receipt and reminders sent?Receipt delivery, owner alert, and unpaid reminder evidencereport_notification_lognotify_school_2026_001No money movementactive Epara financeCan Epara explain the settlement?Reconciliation run proves no provider difference remainsreport_reconciliation_proofrecon_run_school_2026_0010 IQDmatched

Accounting export files

Export	File	Audience	Includes	Source of truth	Hash	Status
export_school_collection_2026_001	school-fee-paid-ledger.csv	Merchant finance	Paid references, receipt IDs, payment IDs, collected amount	plink_school_2026	sha256:school-paid-ledger-2026	ready
export_school_unpaid_2026_csv	school-fee-unpaid-followup.csv	Merchant owner	Unpaid references, contact channel, next reminder action	batch_school_2026_import_001	sha256:school-unpaid-followup-2026	ready
stmt_export_school_2026_csv	set_2026_06_15_iqd_statement.csv	Merchant accountant	Gross, fee, reserve, net, payout contribution	set_2026_06_15_iqd	sha256:school-statement-2026	approved
export_school_reminder_log_2026	school-fee-reminder-log.csv	Merchant support	Receipt delivery, WhatsApp/SMS reminder evidence	notify_school_2026_001	sha256:school-reminder-log-2026	ready

Reporting action console

Which finance actions are ready?

Merchant finance can export unpaid follow-up and statement packs, while payout release remains a backoffice-controlled money flow.

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

Merchant supportCan we answer the payer without moving money?Support sees receipt, notification, refund request, and dispute evidencemerchant_action_open_support_contexttkt_school_parent_receipt_001Support can explain or request review; approval moves money

ready

Latest resultmerchant_action_send_whatsappSCH-2026-00042 reminder is sent from the collection pageNo money moves until the payer completes checkout

Open evidence

Captured volume55.5M IQDPayments captured

Platform fees1.8M IQDFee summary

Payable settlements60.5M IQD3 batches

Open differences287Operator reviewed

55.5M IQD

Platform fees1.8M IQD

Payout reserve1.6M IQD

Merchant debt294K IQD

GeneratedJun 14, 2026, 1:30 PM

Latest batchset_2026_06_14_iqd

Payable39,731,474 IQD

Paid payouts12.3M IQD

Latest requestprovider_pending

287

Provider differences stay visible to the merchant as report signals, while correction controls remain in backoffice.

Last 7 daysDailyCurrency: IQDExportable

Metric	Amount	Currency	Status
Captured volume	55,508,856	IQD	available
Platform fees	1,820,305	IQD	available
Merchant payout reserve	1,620,000	IQD	available
Merchant debt	294,000	IQD	available
Open reconciliation differences	287	count	review

Format	Status	Rows	Bytes	Created
CSV	generated	333	36449	Jun 14, 1:30 PM
CSV	generated	317	34619	Jun 14, 1:00 PM
CSV	generated	311	33955	Jun 14, 12:30 PM

Status	Net	Payable	Payout	Items	Created
approved	41,351,474 IQD	39,731,474 IQD	requested	118	Jun 14, 2:00 PM
exported	12,500,000 IQD	12,350,000 IQD	paid	76	Jun 13, 2:00 PM
calculated	8,700,000 IQD	8,450,000 IQD	pending_approval	54	Jun 12, 2:00 PM

Payout	Status	Destination	Amount	Requested
po_1004	provider pending	Rafidain Bank **** 8821	39,731,474 IQD	Jun 14, 2:05 PM
po_1006	paid	ZainCash **** 0021	12,350,000 IQD	Jun 13, 2:05 PM

Provider	Type	Status	Amount
Local Card Switch	Provider Fee Delta	review required	287 IQD
ZainCash	Late Webhook	investigating	12,000 IQD
Rafidain	Payout Reference Missing	matched	0 IQD

What can merchant finance export today?

Accounting export files

Which finance actions are ready?

Financial summary

Settlement snapshot

Reconciliation

Financial summary

Report exports

Settlement statements

Payout requests

Reconciliation watchlist