Payment Processing¶

operational payment

Payments can be authorised, captured, voided and refunded independently of payment provider.

Processes all payment instrument types (card, digital wallet, BNPL, voucher, loyalty points) in an acquirer- and PSP-agnostic manner. Handles authorisation, capture, void, and refund operations, enforcing PCI-DSS scope boundaries. Provides a normalised payment event stream that order management, loyalty, and finance capabilities consume.

Overview¶


ID	`payment-processing`
Domain	payment
Classification	`operational`
Actors	`customer`, `store-associate`, `system`, `payment-provider`
Services	5
Events	14
Processes	12
Applications	2

Services¶

ID	Name	Description
`authorize-payment`	Authorize Payment	Requests payment authorisation from the PSP for the specified amount and payment instrument, returning an authorisation code.
`capture-payment`	Capture Payment	Captures a previously authorised payment amount, triggering the settlement process with the PSP.
`void-payment`	Void Payment	Voids an authorisation before capture, releasing the hold on the customer's payment instrument.
`refund-payment`	Refund Payment	Issues a full or partial refund against a captured transaction, crediting the original payment instrument.
`settle-payment`	Settle Payment	Records final payment settlement, reconciling the captured amount against the PSP's settlement file.

Events Emitted¶

Event	Subject	Description
`payment-authorized`	``	The payment was pre-authorised with the payment provider for the required amount.
`payment-captured`	``	The pre-authorised payment amount was captured and funds transferred.
`payment-voided`	``	The payment authorisation was voided before capture.
`payment-refunded`	``	A refund was issued against a previously captured payment.
`payment-settled`	``	The payment cleared through the payment network and was settled.
`gift-card-activated`	``	A Gift Card has been activated and is available for use.
`gift-card-redeemed`	``	A Gift Card balance has been fully or partially used in a transaction.
`gift-card-topped-up`	``	Additional value has been loaded onto a Gift Card.
`gift-card-expired`	``	A Gift Card has reached its expiry date.
`gift-card-cancelled`	``	A Gift Card has been voided by the retailer (lost, stolen, or fraud).
`gift-card-refunded`	``	A Gift Card purchase has been refunded and the card deactivated.
`refund-processed`	``	A Refund has been fully or partially processed by the payment provider.
`refund-failed`	``	A Refund processing attempt has failed (expired card, provider error, etc.).
`refund-converted`	``	A Refund has been converted to store credit or a gift card.

Processes¶

Process	Name	Classification
`checkout`	Checkout	transactional
`bopis`	BOPIS	transactional
`endless-aisle`	Endless Aisle	transactional
`clienteling-sale`	Clienteling Sale	transactional
`ship-from-store`	Ship From Store	fulfilment
`boris`	BORIS	post-sale
`return-anywhere`	Return Anywhere	post-sale
`self-checkout`	Self-Checkout	transactional
`scan-and-go`	Scan and Go	transactional
`subscription-renewal`	Subscription Renewal	transactional
`loss-prevention-case-handling`	Loss Prevention Case Handling	management
`service-and-repair-management`	Service and Repair Management	post-sale

Applications¶

Application	Name	Tier
`pos`	POS
`payment-hub`	Payment Hub

Metrics & KPIs¶

Metric	Alias	Unit	Direction
Return Processing Time	RPT	days	↓
Till Reconciliation Accuracy	TRA	percentage	↑
Payment Authorization Rate	PAR	percentage	↑
Fraud Rate	FR	percentage	↓

Touchpoints¶

Touchpoint	Type
💻 Web Store	Digital
💻 Mobile App	Digital
🏪 Physical Store	Physical
🏪 Self-Service Kiosk	Physical
🤝 Call Centre / Customer Service	Assisted
💻 Social Commerce	Digital
💻 Partner / B2B API	Digital
🏪 SoftPOS Device	Physical

Validation Rules¶

Rule	Type	Applies To	Severity
`checkout-requires-active-basket`	`pre-condition`	`checkout`	invariant
`checkout-requires-active-product`	`pre-condition`	`checkout`	invariant
`bopis-requires-store-inventory`	`pre-condition`	`bopis`	invariant
`bopis-requires-channel`	`pre-condition`	`bopis`	invariant
`ship-from-store-requires-routed-order`	`pre-condition`	`ship-from-store`	invariant
`boris-requires-order-with-items`	`pre-condition`	`boris`	invariant
`return-anywhere-requires-return-window`	`pre-condition`	`return-anywhere`	constraint
`endless-aisle-requires-active-channel`	`pre-condition`	`endless-aisle`	invariant
`self-checkout-requires-active-terminal`	`pre-condition`	`self-checkout`	invariant
`loss-prevention-intervention-requires-policy`	`pre-condition`	`loss-prevention-case-handling`	invariant
`capture-payment-requires-authorization`	`pre-condition`	`capture-payment`	invariant
`checkout-creates-order`	`post-condition`	`checkout`	invariant
`checkout-clears-basket`	`post-condition`	`checkout`	invariant
`authorize-payment-sets-authorized`	`post-condition`	`authorize-payment`	invariant