Epara Platform

Payment lifecycle

Statement matched

Merchant developer sees why payment.captured is safe to fulfill: capture, receipt, and signed webhook evidence share the same lifecycle.

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.

Webhook fulfillment handoff

Can the merchant trust this event?

The webhook is not just a log: it tells the merchant backend which student reference can be marked paid after signature verification.

int_handoff_school_2026_001

fulfilled

Paymentpay_scenario_001

Webhookevt_payment_captured_001

Credentialcred_demo_live_01

Fulfillmentfulfill_school_fee_reference_00041

Merchant developerVerify signed payment.captured webhookCan merchant system trust the event?int_step_webhook_verifysha256:8f1d6c0f0f9f1d1a6a7f9c93dd4f0b1d55fb6c4d4f2e2f0a91c1c6f5e8a3a102delivered Merchant operationsMark student reference paidCan the school stop reminders?int_step_fulfillmentfulfill_school_fee_reference_00041fulfilled Support and developer opsTrace webhook and request logsCan support prove delivery if merchant asks?int_step_support_tracewha_payment_captured_001customer safe

Webhook event

evt_payment_captured_001

deliveredpayment.captured delivered to merchant endpoint.

Payload previewJSON

{
  "id": "evt_payment_captured_001",
  "type": "payment.captured",
  "livemode": true,
  "data": {
    "object": {
      "id": "pay_scenario_001",
      "amount": 125000,
      "currency": "IQD",
      "status": "captured",
      "reference": "SCH-2026-00041",
      "payment_link": "plink_school_2026",
      "checkout_session": "cs_school_2026_001",
      "receipt": "rcpt_scenario_001"
    }
  }
}

Signature and linked objects

Payload hashsha256:8f1d6c0f0f9f1d1a6a7f9c93dd4f0b1d55fb6c4d4f2e2f0a91c1c6f5e8a3a102

Noncenonce_school_2026_001

Paymentpay_scenario_001

Receiptrcpt_scenario_001

Why this matters

Merchant developerFulfillment trigger

The merchant system can fulfill the school fee order after verifying the signature and payment status.

Epara operationsDelivery evidence

Support can prove the event was delivered with a retained payload hash, nonce, attempt, and response code.

Finance125,000 IQD

The webhook does not move money; it reports the payment state after ledger and provider capture evidence exists.