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>
72 lines
1.8 KiB
Markdown
72 lines
1.8 KiB
Markdown
# Phase 14.3 — Payment Requests
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| Field | Value |
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| --- | --- |
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| Identifier | `payment-14.3` |
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| Implementation Priority | **HIGH** |
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| Status | Complete |
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| Service | `payment` |
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| Depends On | `payment-14.2` |
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> Full specification: [payment-roadmap.md](../../payment-roadmap.md#phase-14-3--payment-requests)
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## Purpose
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Idempotent payment request initiation for any vertical — amount, currency (IRR first), commercial refs, redirect/token payload from selected PSP.
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## Business Scope
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Initiate pay for order/invoice/membership/checkout refs. Expire abandoned requests. Route via BYO-PSP or facilitator merchant.
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## Technical Scope
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Aggregates: PaymentRequest, PaymentRequestLine, PaymentRequestStatusHistory. Idempotency-Key enforcement. Adapter `initiate_payment()`.
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## Dependencies
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`payment-14.2`, active PSP connection or merchant account
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## Out of Scope
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Callbacks (14.4), ledger (14.5), refunds (14.6).
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## Capabilities
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`payment.requests`, `payment.initiate`, `payment.idempotency`
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## Permissions
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`payment.requests.view|create|cancel|manage`; internal `payment.requests.create`
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## Events
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`payment.request.created|redirect_issued|expired|cancelled|failed`
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## API Contracts
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POST/GET `/api/v1/payment-requests`, POST `.../cancel`, internal `/internal/v1/payment-requests`
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## Data Ownership
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Payment owns request lifecycle; vertical owns commercial aggregate.
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## Provider Ownership
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PSP initiate APIs in adapters only.
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## Integration Rules
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Verticals pass refs only. Duplicate idempotency key returns same request.
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## Quality Gates
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Idempotency, amount validation, state machine, tenant isolation.
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## Definition of Done
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Mock initiate returns redirect payload; events emitted; ledger deferred to 14.5.
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## Future Compatibility
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Multi-currency; tokenized card metadata slots.
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