# Phase 7 Backend Contract — Refunds + Reconciliation

Companion to [PRODUCT-PLAN-v3.1-DELIVERY-PLAN.md](../PRODUCT-PLAN-v3.1-DELIVERY-PLAN.md) Phase 7 (Sprints 7.1–7.3). Extends [Phase 1](PHASE-1-MONEY-FX-PAYMENTS-CONTRACT.md) §6 (payment state machine).

**Status: ready to build.** `requestRefund(id)` exists today only as a mock gateway method; `reconcil*` and `settlement*` return zero hits anywhere in the codebase.

---

## 1. Refunds

```ts
interface Refund {
  id: string;
  orderId: string;
  orderLineIds: string[];   // which lines this refund covers - partial refunds must specify
  amount: Money;
  reason: string;
  actor: string;            // user id who initiated it, never anonymous
  status: 'requested' | 'approved' | 'processing' | 'completed' | 'failed';
  requestedAt: string;
  completedAt?: string;
}
```

```
POST /api/admin/v2/orders/{orderId}/refunds    { orderLineIds, amount, reason }
GET  /api/admin/v2/orders/{orderId}/refunds
```

A `Refund` updates `Payment.status` to `refunded` or `partially_refunded` (Phase 1 §6.1) and emits `refund.requested`/`refund.completed` on the Phase 2 event bus.

## 2. Reconciliation

```ts
interface ReconciliationRecord {
  id: string;
  orderId: string;
  providerPaymentId?: string;
  internalAmount: Money;
  providerAmount?: Money;
  matchStrategy: 'provider_payment_id' | 'merchant_reference' | 'amount_currency_fallback';
  result: 'matched' | 'unmatched' | 'duplicate' | 'amount_mismatch' | 'status_mismatch';
  resolvedBy?: string;
  resolvedAt?: string;
  resolutionNote?: string;
}
```

Process (per plan §7.3):
```
1. Collect internal paid orders for a period.
2. Fetch provider transactions/events for the same period.
3. Match by providerPaymentId, falling back to merchant reference, falling back to amount+currency.
4. Classify: matched / unmatched / duplicate / amount_mismatch / status_mismatch.
5. Surface the non-matched set in backoffice with controlled, audited resolution.
```

```
GET  /api/admin/v2/reconciliation/queue?marketplaceId=&result=
POST /api/admin/v2/reconciliation/{id}/resolve   { note }
```

## 3. Settlements

```ts
interface Settlement {
  id: string;
  sellerId: string;
  periodStart: string;
  periodEnd: string;
  grossAmount: Money;
  commission: Money;
  refunds: Money;
  netPayout: Money;
  status: 'pending' | 'paid';
}
```

```
GET /api/seller/v1/finance/settlements
GET /api/admin/v2/finance/settlements?sellerId=&period=
```

## 4. Provider breadth (open business question)

Current flow supports QR and card only, via one custom provider integration. Adding wallets/BNPL is an explicit open business decision (not answered in Sprint 0.1) — this contract's `PaymentIntent`/`Payment` shapes from Phase 1 §6 are provider-agnostic already, so a new provider is a new adapter behind the same state machine, not a schema change. No action needed here until that business decision is made.

## 5. What the frontend will start doing once this ships

- Wire the mock `requestRefund(id)` to a real endpoint.
- Build the backoffice **Payments & Finance** section (missing from admin nav today): payments, refunds, reconciliation queue, unmatched events, settlements.
- Reconciliation-queue resolution UI with full audit trail.