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

1.4 KiB

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Phase 14.6 — Refunds & Reversals

Field	Value
Identifier	`payment-14.6`
Implementation Priority	LATER
Status	Planned
Service	`payment`
Depends On	`payment-14.5`

Full specification: payment-roadmap.md

Purpose

Full and partial refunds via PSP adapters with idempotency and ledger reversal entries.

Business Scope

Merchant-initiated refunds; status tracking; payer notify via Communication.

Technical Scope

RefundRequest, RefundStatusHistory, ledger reversal entries. Adapter refund_payment().

Dependencies

payment-14.5, Communication client

Out of Scope

Chargeback disputes; Accounting credit notes (14.9 intents).

Capabilities

payment.refunds

Permissions

payment.refunds.view|create|manage

Events

payment.refund.requested|succeeded|failed

API Contracts

POST/GET /api/v1/refund-requests

Data Ownership

Payment owns refunds; vertical owns RMA/return ref.

Provider Ownership

PSP refund APIs via adapters.

Integration Rules

Refund requires paid transaction; idempotent refund keys.

Quality Gates

Partial refund math, failure handling, ledger integrity.

Definition of Done

Mock refund with reversal and events.

Future Compatibility

Multi-currency refund; facilitator fee reversal lines.

1.4 KiB Raw Blame History