TorbatYar/docs/phases/Payment/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.