Epara Platform

Scenario risk decision map

What can risk allow, hold, or stop?

Risk sees the captured payment as one decision map: capture allowance, reserve hold, refund gate, dispute evidence, and payout release exposure.

risk_decision_map_school_2026

allowed

Paymentpay_scenario_001

Risk decisionrisk_decision_scenario_001

Reserve6,250 IQD

Payoutpo_school_2026_001

Risk analystCan the hosted checkout capture continue?Allow school-fee capture; keep only the default reserverisk_map_capture_allowrisk_decision_scenario_001No extra hold beyond configured reserveallowed Risk ledgerHow much merchant balance is protected?Hold the configured reserve until policy releaserisk_map_reserve_holdrisk_reserve_school_2026_0016,250 IQDheld Risk 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 ready Risk analystIf the payer disputes, is evidence ready?Submit checkout, auth, receipt, webhook, and support packagerisk_map_dispute_evidenceevpkg_school_2026_ready125,000 IQDevidence submitted Risk 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

Risk decisions

Risk gate	Actor	Business question	Decision	Evidence	Money impact	Status
risk_map_capture_allow	Risk analyst	Can the hosted checkout capture continue?	Allow school-fee capture; keep only the default reserve	risk_decision_scenario_001	No extra hold beyond configured reserve	allowed
risk_map_reserve_hold	Risk ledger	How much merchant balance is protected?	Hold the configured reserve until policy release	risk_reserve_school_2026_001	6,250 IQD	held
risk_map_refund_gate	Risk and privileged checker	Can refund risk affect payout release?	Keep payout gated until refund request is approved or rejected	refreq_school_2026_001	50,000 IQD	approval ready
risk_map_dispute_evidence	Risk analyst	If the payer disputes, is evidence ready?	Submit checkout, auth, receipt, webhook, and support package	evpkg_school_2026_ready	125,000 IQD	evidence submitted
risk_map_payout_release	Risk lead	Can merchant payout leave Epara control?	Release only after refund and dispute exposure are explainable	po_school_2026_001	54,831,533 IQD	provider pending

Risk action console

What can risk allow, hold, or escalate?

Risk can record the capture allow decision and keep refund or payout exposure visible without creating a money movement.

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

RiskCan the captured checkout continue?Capture stays allowed with the default reserve onlyoperator_action_risk_allow_captureop_decision_risk_allowrisk_decision_scenario_001No new ledger movement; default reserve stays held

allowed

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