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

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Phase 14.7 — Split Payments & Facilitator Settlement

Field	Value
Identifier	`payment-14.7`
Implementation Priority	LATER
Status	Planned
Service	`payment`
Depends On	`payment-14.5`, `payment-14.2`

Full specification: payment-roadmap.md

Purpose

Allocate captured funds across parties (marketplace sellers, branches) and emit facilitator settlement intents.

Business Scope

Split rules (fixed/percent/remainder); settlement batch shells; marketplace multi-vendor.

Technical Scope

PaymentSplitRule, PaymentSplitAllocation, SettlementBatch, SettlementBatchLine.

Dependencies

payment-14.5, facilitator merchant (14.2)

Out of Scope

Bank payout execution; Accounting journal creation.

Capabilities

payment.splits, payment.settlement_batches

Permissions

payment.splits.manage, payment.settlement_batches.view|manage

Events

payment.split.allocated, payment.settlement_batch.created|closed

API Contracts

CRUD split rules; POST settlement batches; POST close

Data Ownership

Payment owns splits/batches; Accounting owns cash journals.

Provider Ownership

Future payout rail adapters.

Integration Rules

Allocations sum to captured amount; marketplace passes seller refs only.

Quality Gates

Allocation math, batch invariants, tenant isolation.

Definition of Done

Split on capture with settlement intent events.

Future Compatibility

Cross-border split FX metadata.

1.6 KiB Raw Blame History