Wallet
Consumer Wallet top-ups and Peer Transfers with idempotency, receipts, notifications, audit, and ledger-safe balance updates.
Customer account journey
guest can claimGuest receipt, no account required
Wallet is optional after payment: receipt history, saved methods, and balance become convenience features, not a checkout gate.
ReceiptEP-RCPT-2026-00041
Customer profileoptional
Wallet balancenot required
Saved methodnot saved
Pay as guestThe payer completes hosted checkout without signing up for Epara.
Receipt issuedImmutable receipt is delivered by email and can remain guest-only.
Verify receipt claimCustomer can verify email later to attach the receipt to a customer profile.
Optional wallet profileWallet, saved method, and payment history are optional convenience features after guest checkout works.
Tokenized method readyEpara stores provider token metadata, not raw card data.
Business ruleDemo Market gets paid before signup; account features only improve future support and repeat payment speed.
Customer support actions
readySupport actions linked to receipt
After the guest receipt is linked, support actions still point back to the original payment and evidence IDs.
cust_action_school_2026_001Entryguest_first
Login requiredNo
ReceiptEP-RCPT-2026-00041
Paymentpay_scenario_001
Customer saysSend receipt to my email again
Support intakeSupport can resend immutable receipt proof
EvidenceEP-RCPT-2026-00041
Open evidence routeReceiptEP-RCPT-2026-00041
Paymentpay_scenario_001
Refund requestrefreq_school_2026_001
Customer entryGuest first, account optional
| Customer need | Status | Customer action | Login required | Next surface | Evidence |
|---|---|---|---|---|---|
| I need proof I paid | issued | Download, copy, or claim the immutable receipt | No | /receipt/rcpt_scenario_001 | EP-RCPT-2026-00041 |
| I want a partial refund | approval ready | Ask support to create a refund request; approval moves money | No, email verification is enough | /backoffice/approvals/refund-school-2026 | refreq_school_2026_001 |
| I may dispute this payment | evidence submitted | Submit customer note; Epara prepares receipt and checkout evidence | No, receipt reference is enough | /backoffice/disputes/disp_school_2026_001 | evpkg_school_2026_ready |
| My previous attempt failed or expired | not applicable | Retry checkout; failed attempts created no receipt or fee | No | /pay/school-fee/retry | att_school_failed_001 |
Customer timeline
| Event | Customer view | Epara evidence | Merchant view | Status |
|---|---|---|---|---|
| Guest payment captured | Receipt visible immediately | pay_scenario_001 | Payment object and collection ledger update | captured |
| Receipt delivered | alia.school.parent@example.test | EP-RCPT-2026-00041 | Merchant can confirm school reference | delivered |
| Optional receipt claim | guest can claim | claim_school_receipt_2026_001 | No checkout login requirement | verification required |
| Support path ready | Refund, dispute, and failed-attempt answers available | tkt_school_parent_receipt_001 | Support sees immutable payment evidence | ready |
Payment screen map
readyWhat does optional wallet change?
Wallet claim can save receipt history and a tokenized method later, but it never rewrites the original guest payment record.
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
CustomerOptional wallet claimscreen_wallet_claimLogin: OptionalCan I save receipt history later?Wallet claim does not change the original payment recordcon_guest_parent_school_001optional activeCustomer / supportCustomer receiptscreen_receiptLogin: NoHow do I prove I paid?Read-only proof after captureEP-RCPT-2026-00041issuedCustomerGuest 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 / supportRefund receiptscreen_refund_receiptLogin: NoWhat happens after a refund is approved?Partial refund posts only after maker-checker approvalEP-RFND-2026-00041issuedCustomerFailed payment retryscreen_retryLogin: NoCan I try another method?Failed attempt creates no receipt, fee, reserve, or payoutatt_school_failed_001failed
Consumer Wallets
No records yetRecords will appear here after the first live or test activity.
Consumercon_alia
Session-
Bearer-
Saved method-
Lookup-
Checkout-
Authorization-
FX quote-
Compliance-
Agreement-
KYC case-
{}No records yetRecords will appear here after the first live or test activity.
Top-ups
No records yetRecords will appear here after the first live or test activity.
Peer Transfers
No records yetRecords will appear here after the first live or test activity.