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
1.4 KiB
Markdown
72 lines
1.4 KiB
Markdown
# Phase 14.6 — Refunds & Reversals
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| Field | Value |
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| --- | --- |
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| Identifier | `payment-14.6` |
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| Implementation Priority | **LATER** |
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| Status | Planned |
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| Service | `payment` |
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| Depends On | `payment-14.5` |
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> Full specification: [payment-roadmap.md](../../payment-roadmap.md#phase-14-6--refunds--reversals)
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## Purpose
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Full and partial refunds via PSP adapters with idempotency and ledger reversal entries.
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## Business Scope
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Merchant-initiated refunds; status tracking; payer notify via Communication.
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## Technical Scope
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RefundRequest, RefundStatusHistory, ledger reversal entries. Adapter `refund_payment()`.
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## Dependencies
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`payment-14.5`, Communication client
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## Out of Scope
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Chargeback disputes; Accounting credit notes (14.9 intents).
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## Capabilities
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`payment.refunds`
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## Permissions
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`payment.refunds.view|create|manage`
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## Events
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`payment.refund.requested|succeeded|failed`
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## API Contracts
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POST/GET `/api/v1/refund-requests`
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## Data Ownership
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Payment owns refunds; vertical owns RMA/return ref.
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## Provider Ownership
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PSP refund APIs via adapters.
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## Integration Rules
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Refund requires paid transaction; idempotent refund keys.
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## Quality Gates
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Partial refund math, failure handling, ledger integrity.
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## Definition of Done
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Mock refund with reversal and events.
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## Future Compatibility
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Multi-currency refund; facilitator fee reversal lines.
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