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 14.5 — Transaction Ledger

Field	Value
Identifier	`payment-14.5`
Implementation Priority	HIGH
Status	Complete
Service	`payment`
Depends On	`payment-14.4`

Full specification: payment-roadmap.md

Purpose

Immutable append-only payment transaction ledger as system of record for captured payments — distinct from Accounting journals.

Business Scope

Record paid transactions with PSP refs, fees, net amounts; query for admin and service-to-service status; completes HIGH priority MVP (14.0–14.5).

Technical Scope

Aggregates: PaymentTransaction, PaymentTransactionFeeLine, PaymentLedgerEntry. No monetary UPDATE post-insert.

Dependencies

payment-14.4

Out of Scope

Refunds (14.6), splits (14.7), Accounting journals.

Capabilities

payment.ledger, payment.transactions

Permissions

payment.transactions.view|export|manage

Events

payment.transaction.recorded, payment.ledger.entry_appended

API Contracts

GET /api/v1/payment-transactions, GET by source ref, GET ledger entries

Data Ownership

Payment owns payment ledger; Accounting owns GL.

Provider Ownership

PSP transaction ids as refs.

Integration Rules

Ledger write only after verified paid. Verticals query Payment for status.

Quality Gates

Immutability, append-only, tenant isolation, traceability.

Definition of Done

Paid flow produces ledger; queries work; HIGH priority path complete.

Future Compatibility

Multi-currency partitions; facilitator settlement batch ids.

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