clean and refine product docs structure
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<title>Recommendations, Open Questions & Sources — Balinyaar docs</title>
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<a class="brand" href="../index.html"><span class="dot"></span> Balinyaar docs</a>
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<p class="tagline">Trust-first home-nursing marketplace · Iran</p>
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<nav><div class="group"><div class="label">Start here</div><ul><li><a href="../index.html">Docs home</a></li><li><a href="../overview/platform-summary.html">Platform summary & ground truths</a></li></ul></div><div class="group"><div class="label">Business requirements</div><ul><li><a href="../business/index.html">Overview & MVP scope</a></li><li><a href="../business/01-actors-and-onboarding.html">1. Actors & onboarding</a></li><li><a href="../business/02-nurse-verification.html">2. Nurse verification</a></li><li><a href="../business/03-service-catalog-and-pricing.html">3. Service catalog & pricing</a></li><li><a href="../business/04-search-and-matching.html">4. Search & matching</a></li><li><a href="../business/05-booking-and-scheduling.html">5. Booking & scheduling</a></li><li><a href="../business/06-evv-and-service-delivery.html">6. EVV / service delivery</a></li><li><a href="../business/07-cancellation-and-refunds.html">7. Cancellation & refunds</a></li><li><a href="../business/08-payments-and-escrow.html">8. Payments & escrow</a></li><li><a href="../business/09-installments-bnpl.html">9. Installments / BNPL</a></li><li><a href="../business/10-payouts.html">10. Payouts to nurses</a></li><li><a href="../business/11-reviews-trust-and-safety.html">11. Reviews, trust & safety</a></li><li><a href="../business/12-messaging-and-emergencies.html">12. Messaging & emergencies</a></li><li><a href="../business/13-tax-invoicing-and-legal.html">13. Tax, invoicing & legal</a></li><li><a href="../business/14-notifications-and-admin.html">14. Notifications & admin</a></li></ul></div><div class="group"><div class="label">Database model</div><ul><li><a href="../data-model/index.html">Overview & decisions</a></li><li><a href="../data-model/diagrams.html">Diagrams</a></li><li><a href="../data-model/01-identity-and-access.html">1. Identity & access</a></li><li><a href="../data-model/02-geography.html">2. Geography</a></li><li><a href="../data-model/03-services-and-pricing.html">3. Services & pricing</a></li><li><a href="../data-model/04-verification-and-credentials.html">4. Verification & credentials</a></li><li><a href="../data-model/05-booking-and-scheduling.html">5. Booking & scheduling</a></li><li><a href="../data-model/06-payments-ledger-and-refunds.html">6. Payments, ledger & refunds</a></li><li><a href="../data-model/07-payouts.html">7. Payouts</a></li><li><a href="../data-model/08-bnpl.html">8. BNPL / installments</a></li><li><a href="../data-model/09-messaging.html">9. Messaging</a></li><li><a href="../data-model/10-reviews-and-records.html">10. Reviews & records</a></li><li><a href="../data-model/11-notifications.html">11. Notifications</a></li><li><a href="../data-model/12-audit-config-and-reference.html">12. Audit, config & reference</a></li><li><a href="../data-model/13-partner-centers-and-future.html">13. Partner centers & future</a></li></ul></div><div class="group"><div class="label">Payments deep-dive</div><ul><li><a href="index.html">Overview & exec summary</a></li><li><a href="iranian-payment-reality.html">Iranian payment reality</a></li><li><a href="escrow-ledger.html">Escrow as a ledger</a></li><li><a href="bnpl-landscape.html">BNPL landscape & finding</a></li><li><a href="cancellation-and-payout.html">Cancellation & nurse payout</a></li><li><a href="integration-notes.html">Integration & schema touchpoints</a></li><li><a class="active" href="sources.html">Recommendations & sources</a></li></ul></div><div class="group"><div class="label">Research & strategy</div><ul><li><a href="../research/index.html">Overview & exec summary</a></li><li><a href="../research/market-and-competitors.html">Market & competitors</a></li><li><a href="../research/problems-and-risks.html">Problems & risks</a></li><li><a href="../research/verification.html">Verification (research)</a></li><li><a href="../research/legal-landscape.html">Legal landscape</a></li><li><a href="../research/go-to-market.html">Go-to-market & sources</a></li></ul></div><div class="group"><div class="label">Notes & more</div><ul><li><a href="../notes/open-questions.html">Open questions</a></li><li><a href="../notes/future-ideas.html">Future ideas</a></li><li><a href="../wireframes/index.html">Wireframes</a></li><li><a href="../fa/index.html">Farsi documents</a></li></ul></div></nav>
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<p><a href="index.html">← Payments overview</a></p>
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<h1 id="recommendations-open-questions-sources">Recommendations, Open Questions & Sources</h1>
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<h2 id="10-recommendations-open-questions-to-confirm-at-contracting">10. Recommendations & open questions to confirm at contracting <a class="anchor" href="#10-recommendations-open-questions-to-confirm-at-contracting" aria-hidden="true">#</a></h2>
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<h3 id="recommendations">Recommendations <a class="anchor" href="#recommendations" aria-hidden="true">#</a></h3>
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<ol>
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<li><strong>Integrate SnappPay first, Digipay second, avoid Lendo.</strong> 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.</li>
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<li><strong>Treat a BNPL order as one net inbound settlement</strong> identical to a card payment net-of-fee. <strong>Do not</strong> build customer-installment tracking.</li>
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<li><strong>Make escrow an internal double-entry ledger</strong> over funds custodied at a single licensed provider; <strong>abstract the provider</strong> behind config so it can be swapped if blocked (Toman/Jibit precedent).</li>
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<li><strong>Pay the nurse from <code>gross − balinyaar_commission</code>, weekly, after EVV + dispute window</strong> — identical for card and BNPL; the BNPL commission is a platform expense only.</li>
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<li><strong>Gate payout on the dispute window</strong> (default 72h) rather than relying on clawback — Iranian bank transfers are effectively irreversible; keep clawback as the modeled fallback.</li>
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<li><strong>Build webhook idempotency before touching real money</strong>, and store all amounts in IRR <code>BIGINT</code>, converting from Toman only at the API boundary.</li>
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<li><strong>Use 10% VAT, configurable.</strong> Treat each nurse as the taxable seller; invoice only Balinyaar's commission.</li>
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</ol>
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<h3 id="open-questions-to-confirm-with-provider-sales-at-contracting">Open questions to confirm with provider sales / at contracting <a class="anchor" href="#open-questions-to-confirm-with-provider-sales-at-contracting" aria-hidden="true">#</a></h3>
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<ul>
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<li><strong>Marketplace eligibility:</strong> does the provider's merchant contract permit a multi-vendor home-services marketplace that re-disburses to many independent nurses as a <strong>single</strong> merchant-of-record? (Publicly undocumented; their known model is single-receiver.)</li>
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<li><strong>Commission rate (%):</strong> 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).</li>
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<li><strong>Settlement SLA / timing:</strong> 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.</li>
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<li><strong>Commission-clawback-on-refund behavior:</strong> on a full vs partial refund, does the provider return its merchant commission fully, pro-rata, or not at all?</li>
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<li><strong>Onboarding documents:</strong> confirm جواز کسب <strong>and</strong> eNamad suffice for the Balinyaar entity, and whether home-healthcare is a "sensitive trade" needing a sectoral license.</li>
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<li><strong>Sandbox credentials:</strong> request early; confirm availability (not evidenced publicly).</li>
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<li><strong>Settlement-provider (تسهیم/payout) choice for the card leg:</strong> 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.</li>
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</ul>
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<hr>
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<h2 id="sources">Sources <a class="anchor" href="#sources" aria-hidden="true">#</a></h2>
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<p><strong>Iranian payment-facilitator / escrow / settlement legality</strong></p>
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<ul>
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<li>finolaw.net — مقررات پرداختیاری (facilitator rules): <code>https://finolaw.net/مقررات-پرداخت-یاری/</code></li>
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<li>way2pay.ir — CBI facilitator framework: <code>https://way2pay.ir/480525/</code>, <code>https://way2pay.ir/484056/</code></li>
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<li>Zibal legal blog — internet-payment rules: <code>https://zibal.ir/blog/قوانین-پرداخت-اینترنتی-درگاه-پرداخت-ک/</code></li>
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<li>peivast.com — Shaparak inter-merchant/wallet ban: <code>https://peivast.com/p/148655</code></li>
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<li>ZarinPal تسهیم (split-payment): <code>https://zarinpal.com/split-payment.html</code>, <code>https://www.zarinpal.com/blog/درگاه-پرداخت-اشتراکی-چیست؟/</code>, <code>https://next.zarinpal.com/paymentGateway/setshare.html</code></li>
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<li>Vandar — facilitator / میندو escrow / Bank Ayandeh custody: <code>https://vandar.io/blog/پرداختیاری-چیست-و-پرداختیار-کیست؟/</code>, <code>https://vandar.io/miando/</code>, <code>https://docs.vandar.io/payout_service/settlement</code></li>
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<li>Jibit transferor / payout: <code>https://www.jibit.io/transferor/</code></li>
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<li>Toman/Jibit Nov-2024 cut-off: <code>https://www.zoomit.ir/tech-iran/429145-banning-payment-services-on-toman-and-jibit/</code>, <code>https://way2pay.ir/389544/</code></li>
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</ul>
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<p><strong>Tax / مودیان / VAT (10%)</strong></p>
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<ul>
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<li>systemgroup.net — مودیان registration: <code>https://www.systemgroup.net/knowledge-network/registration-in-the-tax-system/</code></li>
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<li>hesabandish.com — taxpayer rules: <code>https://hesabandish.com/rules-taxpayer-system/</code></li>
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<li>sepidarsystem.com — VAT rate: <code>https://www.sepidarsystem.com/blog/vat-rate/</code></li>
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<li>Tapsi/Snapp commission-tax precedent: <code>https://ip30.ir/tapsi-taxation-challenge/</code>, <code>https://drhesaab.ir/how-is-digital-platform-tax-calculated/</code></li>
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</ul>
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<p><strong>SnappPay</strong></p>
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<ul>
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<li>Merchant settlement (full-upfront, risk): <code>https://limoo.host/blog/snap-pay-merchant-settlement/</code>, <code>https://www.portal.ir/snappay-payment-method</code>, <code>https://way2pay.ir/278219/</code></li>
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<li>Product / CEO revenue model: <code>https://see5.net/blog/what-is-snappay</code>, <code>https://ideaagency.net/snapppay-the-correct-revenue-model-landtechs/</code>, <code>https://snapppay.ir/</code>, <code>https://pay.snapp.ir/</code></li>
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<li>Refund/cancel FAQ (7–10 business days): <code>https://allsport.ir/faq/5/8.html</code>, <code>https://sourmeh.ir/common-question-about-snapppay/</code></li>
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<li>API (Laravel package) + eligibility: <code>https://github.com/backendprogramer/laravel-snapp-pay</code>, <code>https://payzito.net/docs/gateways/snapppay</code>, <code>https://snapppay.ir/merchant-acquisition/</code></li>
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</ul>
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<p><strong>Digipay</strong></p>
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<ul>
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<li>BNPL full-upfront (credit gateway): <code>https://www.mydigipay.com/bpg/</code>, <code>https://matson.online/digipay-seller/</code>, <code>https://digiato.com/tech/digipay-business-solutions-pr</code></li>
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<li>Services / merchants: <code>https://www.mydigipay.com/credit/merchants/</code>, <code>https://www.mydigipay.com/credit/c-credit/</code>, <code>https://www.mydigipay.com/bnpl/c-bnpl/</code></li>
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<li>UPG dev docs (type codes, deliver/refund/reverse): <code>https://www.mydigipay.com/developers/docs/upg/</code></li>
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<li>Onboarding: <code>https://limoo.host/blog/signup-on-digipay/</code></li>
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</ul>
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<p><strong>Tara / Torob Pay / ZarinPlus / Lendo</strong></p>
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<ul>
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<li>Tara: <code>https://tara360.ir/bnpl/</code>, <code>https://tara360.ir/</code>, <code>https://itresan.com/384039/</code></li>
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<li>Torob Pay (6% + VAT): <code>https://blupoz.com/</code>, <code>https://ranginstore.com/</code></li>
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<li>ZarinPlus: <code>https://www.zarinpal.com/blog/bnpl-زرین-پلاس/</code>, <code>https://www.zarinpal.com/payment-gateway</code></li>
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<li>Lendo (bank-financed): <code>https://lendo.ir/blog/</code>, <code>https://lendo.ir/</code></li>
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</ul>
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<p><strong>Internal</strong></p>
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<ul>
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<li>Existing research: <code>c:\Users\Lenovo\Desktop\balinyaar\product\Home-Nursing-Platform-Research.md</code></li>
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<li>Database model to refine: <code>c:\Users\Lenovo\Desktop\balinyaar\product\database-model.md</code></li>
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</ul>
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<blockquote><p><strong>Confidence legend.</strong> 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.</p>
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</blockquote>
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