# Phase 14.10 — Analytics, Fraud Shells & Enterprise Validation

| Field | Value |
| --- | --- |
| Identifier | `payment-14.10` |
| Implementation Priority | **LATER** |
| Status | Planned |
| Service | `payment` |
| Depends On | `payment-14.9`, `ai-framework` |

> Full specification: [payment-roadmap.md](../../payment-roadmap.md#phase-1410--analytics-fraud-shells--enterprise-validation)

## Purpose

Analytics snapshots, optional fraud rule hooks, and full enterprise validation — closes Payment track 14.0–14.10.

## Business Scope

Payment KPIs (volume, success rate, refund rate); fraud shells off by default; production sign-off.

## Technical Scope

PaymentAnalyticsReportDefinition, PaymentAnalyticsSnapshot, FraudRuleRegistration, FraudCheckDispatch (mock). Enterprise validation audit.

## Dependencies

`payment-14.9`

## Out of Scope

ML fraud; PCI certification program.

## Capabilities

`payment.analytics`, `payment.fraud_hooks`, `payment.enterprise_validation`

## Permissions

`payment.analytics.view|refresh`, `payment.fraud_rules.manage`

## Events

`payment.analytics.snapshot.created`, `payment.fraud_check.dispatched`

## API Contracts

Analytics report CRUD; POST snapshots/refresh

## Data Ownership

Payment local aggregates only.

## Provider Ownership

External fraud vendors via stub adapters.

## Integration Rules

No cross-service DB reads; core flows work with fraud off.

## Quality Gates

Full gate suite; self-heal until green.

## Definition of Done

Track complete at 0.14.10.0; no undocumented API/event/permission.

## Future Compatibility

Real-time metrics; international fraud adapters.
