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
1.9 KiB
Markdown
72 lines
1.9 KiB
Markdown
# Phase 14.2 — Merchant Accounts
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| Field | Value |
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| --- | --- |
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| Identifier | `payment-14.2` |
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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-14.1` |
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> Full specification: [payment-roadmap.md](../../payment-roadmap.md#phase-14-2--merchant-accounts)
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## Purpose
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Introduce Torbat Pay Merchant (facilitator) sub-merchant account shells for tenants who accept payments through platform facilitator mode.
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## Business Scope
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Sub-merchant onboarding lifecycle; KYC/KYB document refs (File Storage); link merchant to workspace and optional branch refs.
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## Technical Scope
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Aggregates: MerchantAccount, MerchantAccountProfile, MerchantSettlementProfile, MerchantComplianceRef, MerchantAccountStatusHistory. Facilitator platform settings.
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## Dependencies
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`payment-14.1`
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## Out of Scope
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Live KYC vendor, bank payouts (14.7/14.9), payment capture (14.3).
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## Capabilities
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`payment.merchant_accounts`, `payment.facilitator_mode`
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## Permissions
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`payment.merchant_accounts.view|create|update|submit|activate|suspend|close|manage`
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## Events
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`payment.merchant_account.created|submitted|activated|suspended|closed`
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## API Contracts
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`/api/v1/merchant-accounts`, `/api/v1/merchant-settlement-profiles`, lifecycle POST actions
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## Data Ownership
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Payment owns merchant domain; Identity users; Storage for compliance blobs (refs).
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## Provider Ownership
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Platform facilitator PSP credentials in Payment platform settings.
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## Integration Rules
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Required when workspace `default_payment_mode=torbat_pay_merchant`. BYO mode skips merchant for routing.
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## Quality Gates
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Lifecycle transitions, PII redaction, tenant isolation.
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## Definition of Done
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Merchant CRUD + lifecycle; facilitator flag on workspace; no payment requests.
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## Future Compatibility
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Multi-currency settlement profiles; international merchant descriptors.
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