9fac160258
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> |
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|---|---|---|
| .. | ||
| phase-14-0-payment-foundation.md | ||
| phase-14-1-psp-management.md | ||
| phase-14-2-merchant-accounts.md | ||
| phase-14-3-payment-requests.md | ||
| phase-14-4-callback-verification.md | ||
| phase-14-5-transaction-ledger.md | ||
| phase-14-6-refunds-reversals.md | ||
| phase-14-7-split-settlement.md | ||
| phase-14-8-vertical-connectors.md | ||
| phase-14-9-reconciliation.md | ||
| phase-14-10-enterprise-validation.md | ||
| README.md | ||
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.
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 — authoritative phase specifications
- Pay-Reg
- Pay-Arch
- Handover Pay-Reg
- Handover Pay-Arch
- Handover 14.5 MVP
- Payment Contracts
- ADR-020
- ADR-021
- AI Framework
Phase Documents
- 14.0 Payment Foundation
- 14.1 PSP Management
- 14.2 Merchant Accounts
- 14.3 Payment Requests
- 14.4 Callback & Verification
- 14.5 Transaction Ledger
- 14.6 Refunds & Reversals
- 14.7 Split & Settlement
- 14.8 Vertical Connectors
- 14.9 Reconciliation
- 14.10 Enterprise Validation
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.