# Payment Platform Phase Area (Torbat Pay)

Independent enterprise **Payment Platform** (`payment-service`, `payment_db`, port **8012**). Commercial product: **Torbat Pay**.

Supports **BYO-PSP** (tenant-owned gateways) and **Torbat Pay Merchant** (facilitator) modes for all TorbatYar verticals via API + Events only.

## Phase Numbering

Payment track phases are **14.0–14.10** with manifest IDs `payment-14.x`.  
Beauty Business uses a separate track: `beauty-business-14.x` — see [beauty-business-roadmap.md](../../beauty-business-roadmap.md).

## Status

| Phase | Title | Implementation Priority | Status |
| --- | --- | --- | --- |
| Reg | Platform Registration | — | Complete |
| Arch | Architecture Prerequisites | — | Complete |
| 14.0 | Payment Foundation | HIGH | Complete |
| 14.1 | PSP Management | HIGH | Complete |
| 14.2 | Merchant Accounts | HIGH | Complete |
| 14.3 | Payment Requests | HIGH | Complete |
| 14.4 | Callback & Verification | HIGH | Complete |
| 14.5 | Transaction Ledger | HIGH | Complete |
| 14.6 | Refunds & Reversals | LATER | Planned |
| 14.7 | Split Payments & Facilitator Settlement | LATER | Planned |
| 14.8 | Vertical Connectors & Checkout Contracts | LATER | Planned |
| 14.9 | Reconciliation & Accounting Integration | LATER | Planned |
| 14.10 | Analytics, Fraud Shells & Enterprise Validation | LATER | Planned |

## Documents

- [Roadmap](../../payment-roadmap.md) — authoritative phase specifications
- [Pay-Reg](../../payment-phase-pay-reg.md)
- [Pay-Arch](../../payment-phase-pay-arch.md)
- [Handover Pay-Reg](../../phase-handover/phase-pay-reg.md)
- [Handover Pay-Arch](../../phase-handover/phase-pay-arch.md)
- [Handover 14.5 MVP](../../phase-handover/phase-14-5.md)
- [Payment Contracts](../../reference/payment-contracts.md)
- [ADR-020](../../architecture/adr/ADR-020.md)
- [ADR-021](../../architecture/adr/ADR-021.md)
- [AI Framework](../../ai-framework/README.md)

### Phase Documents

- [14.0 Payment Foundation](phase-14-0-payment-foundation.md)
- [14.1 PSP Management](phase-14-1-psp-management.md)
- [14.2 Merchant Accounts](phase-14-2-merchant-accounts.md)
- [14.3 Payment Requests](phase-14-3-payment-requests.md)
- [14.4 Callback & Verification](phase-14-4-callback-verification.md)
- [14.5 Transaction Ledger](phase-14-5-transaction-ledger.md)
- [14.6 Refunds & Reversals](phase-14-6-refunds-reversals.md)
- [14.7 Split & Settlement](phase-14-7-split-settlement.md)
- [14.8 Vertical Connectors](phase-14-8-vertical-connectors.md)
- [14.9 Reconciliation](phase-14-9-reconciliation.md)
- [14.10 Enterprise Validation](phase-14-10-enterprise-validation.md)

## Boundary Reminder

Payment owns PSP routing, callbacks, and payment-domain ledger.  
Verticals own checkout/commercial context.  
Accounting owns journals. Communication owns message delivery.  
Do not embed PSP SDKs in Hospitality, Marketplace, or other services.