Sheet RP-09
The platform, article by article
Eight principles
The bridges of the home page: how the platform is organised, one article each.
- 01
Logic in declarative formats
How is the logic of a payment written down?
What happens to a payment is described as data: short rules, each answering one question, read by the engine.
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- 02
Rules of operation
Which rules govern a payment, and who can change them?
What must never happen, what each unit may do and how risk is handled. Every payment records the rule version that decided it.
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- 03
Routing and the cost of acceptance
Which acquiring carries each payment, and what does it cost?
Each online card payment goes to the acquiring chosen by approval rate and expected fee, within limits the company sets.
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- 04
Anti-fraud rules and KYC
How is a payment screened, and who decides on a doubtful one?
Screening is a stage of every payment: a score with its reasons, the unit’s rules, a hold for a person, alerts and onboarding checks.
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- 05
Table views for every role
What does each role see, and where do the figures come from?
Each role sees the same payments in its own tables, and every figure traces back to its record.
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- 06
A flexible portal for access to data
Who sees which part of the company’s data?
A person is given a role at one unit of the company’s tree and sees that unit with everything under it.
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- 07
Everything in the processing logic can be configured
How is the processing changed without breaking what works?
A new bank, rule or instrument is added beside what works, checked first, and accepted by a person.
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- 08
An auditable trail for every payment
How can every payment be explained afterwards?
Every step of a payment is recorded with its cause, and the record is never rewritten.
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The platform in detail
The parts of the platform in the order a payment moves.
- 01
The life of a payment
What happens to a payment from the order to the settlement?
Five records hold a payment: the order, the invoice, the attempt, the payment and the settlement.
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- 02
Orders and invoices
How do orders and invoices become payments?
Orders from the order system, invoices adjusted after picking, corporate invoices on terms with reminders.
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- 03
Payment instruments
How can a customer pay, and what differs between the ways?
Cards, wallets, pay by bank, QR and transfers, instalments and points: different first steps, then one path.
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- 04
Distribution of a payment
Where does the money of a payment go?
The shares of each payment, set in advance and always adding up to the captured amount.
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- 05
Settlement reconciliation
Did the bank settle what it should have?
Sales, the acquirer’s report and the bank credit, compared for every bank, unit and day.
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- 06
Structure and policies
How does the company’s structure steer its payments?
The company as a tree of units: policies apply downwards, flows are visible upwards.
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- 07
Agents
What do the agents do, and what may they not do?
Agents read the views and propose with evidence; people decide, and every decision is recorded.
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