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Recommendations, Open Questions & Sources

10. Recommendations & open questions to confirm at contracting

Recommendations

  1. Integrate SnappPay first, Digipay second, avoid Lendo. SnappPay has the largest reach, explicit service-merchant support, true full-upfront settlement, full default-risk transfer, and a coded API. Digipay is the redundancy/fallback with the broadest healthcare/service coverage. Lendo's customer-borne interest + non-refundable fee is wrong for short, cancellable visits.
  2. Treat a BNPL order as one net inbound settlement identical to a card payment net-of-fee. Do not build customer-installment tracking.
  3. Make escrow an internal double-entry ledger over funds custodied at a single licensed provider; abstract the provider behind config so it can be swapped if blocked (Toman/Jibit precedent).
  4. Pay the nurse from gross − balinyaar_commission, weekly, after EVV + dispute window — identical for card and BNPL; the BNPL commission is a platform expense only.
  5. Gate payout on the dispute window (default 72h) rather than relying on clawback — Iranian bank transfers are effectively irreversible; keep clawback as the modeled fallback.
  6. Build webhook idempotency before touching real money, and store all amounts in IRR BIGINT, converting from Toman only at the API boundary.
  7. Use 10% VAT, configurable. Treat each nurse as the taxable seller; invoice only Balinyaar's commission.

Open questions to confirm with provider sales / at contracting

  • Marketplace eligibility: does the provider's merchant contract permit a multi-vendor home-services marketplace that re-disburses to many independent nurses as a single merchant-of-record? (Publicly undocumented; their known model is single-receiver.)
  • Commission rate (%): the actual rate for the health/home-services category (SnappPay publishes none; ~7–15% is anecdotal; Torob Pay's 6.6% is not a proxy).
  • Settlement SLA / timing: daily vs T+1–3 vs weekly vs 15-day, and whether it is gated on the customer's first installment. Get it in writing; do not assume same-day.
  • Commission-clawback-on-refund behavior: on a full vs partial refund, does the provider return its merchant commission fully, pro-rata, or not at all?
  • Onboarding documents: confirm جواز کسب and eNamad suffice for the Balinyaar entity, and whether home-healthcare is a "sensitive trade" needing a sectoral license.
  • Sandbox credentials: request early; confirm availability (not evidenced publicly).
  • Settlement-provider (تسهیم/payout) choice for the card leg: which licensed provider (ZarinPal تسهیم / Vandar / Jibit), its fee schedule, batch caps, minimums, and whether delayed settlement / a bank-grade escrow product (Vandar میندو) is permissible for the EVV-gated hold.

Sources

Iranian payment-facilitator / escrow / settlement legality

  • finolaw.net — مقررات پرداخت‌یاری (facilitator rules): https://finolaw.net/مقررات-پرداخت-یاری/
  • way2pay.ir — CBI facilitator framework: https://way2pay.ir/480525/, https://way2pay.ir/484056/
  • Zibal legal blog — internet-payment rules: https://zibal.ir/blog/قوانین-پرداخت-اینترنتی-درگاه-پرداخت-ک/
  • peivast.com — Shaparak inter-merchant/wallet ban: https://peivast.com/p/148655
  • ZarinPal تسهیم (split-payment): https://zarinpal.com/split-payment.html, https://www.zarinpal.com/blog/درگاه-پرداخت-اشتراکی-چیست؟/, https://next.zarinpal.com/paymentGateway/setshare.html
  • Vandar — facilitator / میندو escrow / Bank Ayandeh custody: https://vandar.io/blog/پرداختیاری-چیست-و-پرداختیار-کیست؟/, https://vandar.io/miando/, https://docs.vandar.io/payout_service/settlement
  • Jibit transferor / payout: https://www.jibit.io/transferor/
  • Toman/Jibit Nov-2024 cut-off: https://www.zoomit.ir/tech-iran/429145-banning-payment-services-on-toman-and-jibit/, https://way2pay.ir/389544/

Tax / مودیان / VAT (10%)

  • systemgroup.net — مودیان registration: https://www.systemgroup.net/knowledge-network/registration-in-the-tax-system/
  • hesabandish.com — taxpayer rules: https://hesabandish.com/rules-taxpayer-system/
  • sepidarsystem.com — VAT rate: https://www.sepidarsystem.com/blog/vat-rate/
  • Tapsi/Snapp commission-tax precedent: https://ip30.ir/tapsi-taxation-challenge/, https://drhesaab.ir/how-is-digital-platform-tax-calculated/

SnappPay

  • Merchant settlement (full-upfront, risk): https://limoo.host/blog/snap-pay-merchant-settlement/, https://www.portal.ir/snappay-payment-method, https://way2pay.ir/278219/
  • Product / CEO revenue model: https://see5.net/blog/what-is-snappay, https://ideaagency.net/snapppay-the-correct-revenue-model-landtechs/, https://snapppay.ir/, https://pay.snapp.ir/
  • Refund/cancel FAQ (7–10 business days): https://allsport.ir/faq/5/8.html, https://sourmeh.ir/common-question-about-snapppay/
  • API (Laravel package) + eligibility: https://github.com/backendprogramer/laravel-snapp-pay, https://payzito.net/docs/gateways/snapppay, https://snapppay.ir/merchant-acquisition/

Digipay

  • BNPL full-upfront (credit gateway): https://www.mydigipay.com/bpg/, https://matson.online/digipay-seller/, https://digiato.com/tech/digipay-business-solutions-pr
  • Services / merchants: https://www.mydigipay.com/credit/merchants/, https://www.mydigipay.com/credit/c-credit/, https://www.mydigipay.com/bnpl/c-bnpl/
  • UPG dev docs (type codes, deliver/refund/reverse): https://www.mydigipay.com/developers/docs/upg/
  • Onboarding: https://limoo.host/blog/signup-on-digipay/

Tara / Torob Pay / ZarinPlus / Lendo

  • Tara: https://tara360.ir/bnpl/, https://tara360.ir/, https://itresan.com/384039/
  • Torob Pay (6% + VAT): https://blupoz.com/, https://ranginstore.com/
  • ZarinPlus: https://www.zarinpal.com/blog/bnpl-زرین-پلاس/, https://www.zarinpal.com/payment-gateway
  • Lendo (bank-financed): https://lendo.ir/blog/, https://lendo.ir/

Internal

  • Existing research: c:\Users\Lenovo\Desktop\balinyaar\product\Home-Nursing-Platform-Research.md
  • Database model to refine: c:\Users\Lenovo\Desktop\balinyaar\product\database-model.md

Confidence legend. VERIFIED = survived adversarial verification against multiple/first-party sources. CONFIGURABLE = real but contract-/campaign-dependent (store as config, read actuals from provider). UNCERTAIN = plausible but unconfirmed publicly — confirm at contracting before depending on it.

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