refinement phase 3
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@@ -69,3 +69,11 @@ DEBIT escrow_held gross_price_irr (e.g. 23300000)
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- **The checkout shows gross + commission/VAT breakdown only** — never the internal `account_type`s.
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- **Payment is idempotent end-to-end**: a retried `initiate` (same `Idempotency-Key`) reuses the attempt; a
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replayed webhook is a no-op; a repeat `initiate` after capture is a `409`.
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---
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## Refinement phase 3 additions (REQ-018)
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- **Invoice auto-issue on capture/settle:** the commission invoice is now issued automatically when a card
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capture (`ConfirmPaymentAndPostLedger`) or a BNPL settle first creates the booking — idempotent per
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booking — so a paying customer's `GET api/v1/invoices/{bookingId}` resolves right away (was admin-only).
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