# 9. Installments / BNPL

[← Business Requirements](index.md)

## (a) Business requirements
- BNPL is offered as an alternative checkout. The decisive, verified model is **full-upfront settlement**: on approval the BNPL provider pays Balinyaar the **full booking amount in one lump, net of the provider's merchant commission**, and **bears 100% of customer-default risk**. The customer's interest-free installment repayment (typically a 4-installment plan) is **owned entirely by the provider** and is **decoupled** from Balinyaar's escrow/EVV/payout cycle.
- **Therefore a BNPL order is, in Balinyaar's books, identical to a card payment that lands net-of-fee in one inbound settlement.** Balinyaar **does NOT track customer installments, per-installment webhooks, or default propagation** — that fragile subsystem is intentionally not built.
- A BNPL order is recorded once as a single inbound settlement in `bnpl_transactions` (1:1 with a payment transaction), capturing the provider, the merchant-of-record (Balinyaar), the external payment token / transaction id, `order_amount_irr`, `settled_amount_irr` (net of provider commission), `bnpl_commission_irr`, currency (converted at the boundary), an idempotent status state-machine (`eligible`/`token_issued`/`verified`/`settled`/`reverted`/`cancelled`/`failed`), `installment_count` (informational, default 4), `settled_at`, and the revert fields.
- **BNPL refunds flow only customer ↔ provider ↔ Balinyaar** — never nurse→customer or Balinyaar→customer directly. Balinyaar initiates the reversal via the provider's revert (full) / cancel/update (partial, new amount strictly lower) API using the stored token; the provider cancels the customer's unpaid installments, restores their credit, and refunds any already-paid installment to the customer's bank in ~7–10 business days (asynchronous, owned by the provider). The refund still decomposes across the platform-fee and nurse-payout legs in Balinyaar's ledger.
- **The nurse's payout is unchanged by BNPL:** computed from `gross_price_irr − balinyaar_commission_irr`, paid weekly after EVV + dispute window — the provider's commission is a **platform cost of accepting BNPL** and is **never** passed through to the nurse.

> **This is a summary. Deep BNPL provider mechanics, the exact revert/cancel/settle API flows, commission-as-config, settlement-timing nuances, and provider-specific behavior are specified in the payments docs — cross-reference the [BNPL landscape](../payments/bnpl-landscape.md) and [cancellation & payout](../payments/cancellation-and-payout.md) for implementation detail.**

## (b) Iran-specific considerations
- Provider-financed Iranian BNPLs (SnappPay, Digipay, Tara, Torob Pay) are uniformly **full-upfront, provider-bears-risk, interest-free-to-customer**; only bank-financed POS loans (Lendo) charge the customer interest and are a poor fit for short, cancellable nursing visits.
- **Settlement timing is contract-defined and may be gated on the customer's first installment** (daily / T+1-3 / weekly / 15-day) — "full amount" does not mean "instant cash." Timing is config + a per-transaction `settled_at`; weekly nurse payout may key off settlement actually received, never an assumption.
- **Commission rate is per-contract and not public** (anecdotal 7–15% for SnappPay; Torob Pay's published 6.6%) — always a config field read from the actual settlement, never hardcoded.
- Onboarding requires جواز کسب **and** اینماد for the Balinyaar/partner entity, and whether a multi-vendor re-disbursing marketplace qualifies as a single BNPL merchant is publicly undocumented — an ops/contracting task, not a schema dependency.

## (c) MVP vs DEFERRED
- **MVP:** full-upfront BNPL via one provider modeled as a single inbound settlement (`bnpl_transactions`); provider-mediated revert/cancel refunds; nurse payout decoupled from BNPL; commission + settlement timing as config.
- **DEFERRED:** customer installment tracking (`installment_entries` — **cut**, owned by the provider); tranched settlement (`bnpl_settlement_entries` modeled-only, added if a future provider tranches); multiple BNPL providers.

## (d) Supporting database entities
**`bnpl_transactions`** (replaces the old `installment_plans`; the old `installment_entries` is cut), `payment_transactions`, `payment_webhook_events`, `refunds` (`refund_channel = 'bnpl_revert'`, `external_revert_reference`, `expected_customer_refund_eta`), `ledger_entries`. See the [BNPL landscape](../payments/bnpl-landscape.md) and [cancellation & payout](../payments/cancellation-and-payout.md) payments docs.

> **Related:** Data model — [BNPL](../data-model/08-bnpl.md).
