marketplaces/docs/backend/PHASE-7-PAYMENTS-RECONCILIATION-CONTRACT.md

Phase 7 Backend Contract — Refunds + Reconciliation

Companion to PRODUCT-PLAN-v3.1-DELIVERY-PLAN.md Phase 7 (Sprints 7.1–7.3). Extends Phase 1 §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.

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1. Refunds

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;
  routing: RoutingContext;  // copied verbatim from the original Payment, never recomputed
}

A refund always carries the routing context of the payment it reverses. It is copied, not re-resolved — a store suspended after the payment must still be refundable.

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

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;
  routing: RoutingContext;  // from the Payment; makes every row attributable to one payment point
}

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=&companyId=&projectId=&leafNodeId=&result=
POST /api/admin/v2/reconciliation/{id}/resolve   { note }

Step 3's merchant_reference strategy matches on RoutingContext.merchantReference — the partner-supplied value, stored verbatim (Phase 1 §6.5). The queue is filterable at every hierarchy level so an unmatched set can be narrowed to one payment point without a join the backoffice has to build itself.

3. Settlements

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=&companyId=&projectId=&storeId=&period=

3.1 Seller split happens after routing

Added 2026-08-18. Seller is deliberately not a level in the partner hierarchy (PARTNER-PROVISIONING-API-CONTRACT.md §10.2). Order of operations:

payment -> routed to exactly one payment point (Phase 1 §6.5, frozen at checkout)
        -> reconciled at that payment point
        -> split across the sellers whose lines the order contains (this phase)

• A Settlement belongs to one seller within one store. A seller trading in two stores gets two settlements per period, never one merged row.
• Splitting never rewrites RoutingContext. The money arrived at one payment point; the split decides who is owed from it.
• grossAmount summed across a store's settlements for a period must reconcile against that store's matched reconciliation rows for the same period. A mismatch is a reconciliation defect, not a rounding tolerance.

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.