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 14.2 — Merchant Accounts

Field	Value
Identifier	`payment-14.2`
Implementation Priority	HIGH
Status	Complete
Service	`payment`
Depends On	`payment-14.1`

Full specification: payment-roadmap.md

Purpose

Introduce Torbat Pay Merchant (facilitator) sub-merchant account shells for tenants who accept payments through platform facilitator mode.

Business Scope

Sub-merchant onboarding lifecycle; KYC/KYB document refs (File Storage); link merchant to workspace and optional branch refs.

Technical Scope

Aggregates: MerchantAccount, MerchantAccountProfile, MerchantSettlementProfile, MerchantComplianceRef, MerchantAccountStatusHistory. Facilitator platform settings.

Dependencies

payment-14.1

Out of Scope

Live KYC vendor, bank payouts (14.7/14.9), payment capture (14.3).

Capabilities

payment.merchant_accounts, payment.facilitator_mode

Permissions

Events

payment.merchant_account.created|submitted|activated|suspended|closed

API Contracts

/api/v1/merchant-accounts, /api/v1/merchant-settlement-profiles, lifecycle POST actions

Data Ownership

Payment owns merchant domain; Identity users; Storage for compliance blobs (refs).

Provider Ownership

Platform facilitator PSP credentials in Payment platform settings.

Integration Rules

Required when workspace default_payment_mode=torbat_pay_merchant. BYO mode skips merchant for routing.

Quality Gates

Lifecycle transitions, PII redaction, tenant isolation.

Definition of Done

Merchant CRUD + lifecycle; facilitator flag on workspace; no payment requests.

Future Compatibility

Multi-currency settlement profiles; international merchant descriptors.

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