Mortezakoohjani 9fac160258 feat(payment): ship Torbat Pay MVP phases 14.0-14.5

Add independent payment-service (port 8012, payment_db) with foundation licensing, BYO-PSP, merchant accounts, idempotent requests, callbacks, and immutable ledger.

Co-authored-by: Cursor <cursoragent@cursor.com>

2026-07-27 17:57:04 +03:30

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Phase Pay-Reg — Payment Platform Registration

Field	Value
Phase ID	`payment-reg`
Title	Payment Platform Registration
Status	Complete (documentation-only)
Service	`payment` (registered; not yet implemented)
Commercial Product	Torbat Pay
ADR	ADR-020

Purpose

Register the independent Enterprise Payment Platform (Torbat Pay) — service identity, database, phases 14.0–14.10, module inventory, boundaries, and manifests — without modifying any existing service code.

Business Scope

Document dual tenant payment modes: BYO-PSP and Torbat Pay Merchant (facilitator).
Define platform-wide payment consumption pattern for Accounting, CRM, Hospitality, Sports Center, Marketplace, Delivery, Experience, Healthcare, Beauty Business, Automation, and future verticals.
Reserve API port 8012 and database payment_db.

Technical Scope

ADR-020 accepted.
Phases payment-reg, payment-14.0 … payment-14.10 registered in phase-manifest.
Service entry in service-manifest and project-index.
Module registry, roadmap, phase area README, service snapshot (registration state).
Handover for next phase payment-14.0.

Out of Scope

Any code under backend/services/payment
Alembic migrations, compose wiring, frontend checkout UI
Real PSP SDK integrations (deferred to payment-14.1+)

Definition of Done

ADR-020 published
payment-roadmap.md with complete phase 14.0–14.10 specifications
Phase documents under phases/Payment/
Manifests, project index, module registry updated
Service snapshot generated (registration baseline)
Handover phase-pay-reg.md complete
No existing business services modified

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