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
1.6 KiB
Markdown
72 lines
1.6 KiB
Markdown
# Phase 14.7 — Split Payments & Facilitator Settlement
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| Field | Value |
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| --- | --- |
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| Identifier | `payment-14.7` |
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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`, `payment-14.2` |
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> Full specification: [payment-roadmap.md](../../payment-roadmap.md#phase-14-7--split-payments--facilitator-settlement)
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## Purpose
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Allocate captured funds across parties (marketplace sellers, branches) and emit facilitator settlement intents.
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## Business Scope
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Split rules (fixed/percent/remainder); settlement batch shells; marketplace multi-vendor.
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## Technical Scope
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PaymentSplitRule, PaymentSplitAllocation, SettlementBatch, SettlementBatchLine.
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## Dependencies
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`payment-14.5`, facilitator merchant (14.2)
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## Out of Scope
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Bank payout execution; Accounting journal creation.
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## Capabilities
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`payment.splits`, `payment.settlement_batches`
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## Permissions
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`payment.splits.manage`, `payment.settlement_batches.view|manage`
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## Events
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`payment.split.allocated`, `payment.settlement_batch.created|closed`
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## API Contracts
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CRUD split rules; POST settlement batches; POST close
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## Data Ownership
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Payment owns splits/batches; Accounting owns cash journals.
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## Provider Ownership
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Future payout rail adapters.
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## Integration Rules
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Allocations sum to captured amount; marketplace passes seller refs only.
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## Quality Gates
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Allocation math, batch invariants, tenant isolation.
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## Definition of Done
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Split on capture with settlement intent events.
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## Future Compatibility
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Cross-border split FX metadata.
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