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<title>10. Payouts to Nurses — 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="index.html">Overview & MVP scope</a></li><li><a href="01-actors-and-onboarding.html">1. Actors & onboarding</a></li><li><a href="02-nurse-verification.html">2. Nurse verification</a></li><li><a href="03-service-catalog-and-pricing.html">3. Service catalog & pricing</a></li><li><a href="04-search-and-matching.html">4. Search & matching</a></li><li><a href="05-booking-and-scheduling.html">5. Booking & scheduling</a></li><li><a href="06-evv-and-service-delivery.html">6. EVV / service delivery</a></li><li><a href="07-cancellation-and-refunds.html">7. Cancellation & refunds</a></li><li><a href="08-payments-and-escrow.html">8. Payments & escrow</a></li><li><a href="09-installments-bnpl.html">9. Installments / BNPL</a></li><li><a class="active" href="10-payouts.html">10. Payouts to nurses</a></li><li><a href="11-reviews-trust-and-safety.html">11. Reviews, trust & safety</a></li><li><a href="12-messaging-and-emergencies.html">12. Messaging & emergencies</a></li><li><a href="13-tax-invoicing-and-legal.html">13. Tax, invoicing & legal</a></li><li><a href="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="../payments/index.html">Overview & exec summary</a></li><li><a href="../payments/iranian-payment-reality.html">Iranian payment reality</a></li><li><a href="../payments/escrow-ledger.html">Escrow as a ledger</a></li><li><a href="../payments/bnpl-landscape.html">BNPL landscape & finding</a></li><li><a href="../payments/cancellation-and-payout.html">Cancellation & nurse payout</a></li><li><a href="../payments/integration-notes.html">Integration & schema touchpoints</a></li><li><a href="../payments/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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<h1 id="10-payouts-to-nurses">10. Payouts to Nurses</h1>
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<p><a href="index.html">← Business Requirements</a></p>
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<h2 id="a-business-requirements">(a) Business requirements <a class="anchor" href="#a-business-requirements" aria-hidden="true">#</a></h2>
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<ul>
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<li>Nurses are paid in <strong>weekly batches</strong>. A batch aggregates the amounts owed for completed, payout-eligible bookings/sessions and produces one payout per nurse with earnings in that window.</li>
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<li><strong>Payout eligibility is gated on EVV completion AND a closed dispute window.</strong> A booking/session enters a batch only when <code>status = 'completed'</code> AND <code>dispute_window_ends_at < now()</code> (the dispute window is config-driven, default 72h post-completion). This deliberately prevents paying a nurse before a dispute can surface, shrinking clawback frequency — important because an Iranian bank transfer, once sent, is effectively irreversible.</li>
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<li>The nurse payout amount derives from <code>gross_price_irr − balinyaar_commission_irr</code> (never from a BNPL provider's net settlement).</li>
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<li><strong>Clawbacks</strong> (<code>nurse_clawbacks</code>) handle the refund-after-payout case: if a booking is refunded/disputed <strong>after</strong> the nurse was already paid, a clawback receivable is recorded (negative ledger entry against the nurse) and recovered by <strong>netting against the nurse's next weekly batch</strong>, or written off if uncollectable. The nurse's payable balance is <strong>derived from the ledger</strong> (it may go negative), and a batch can net prior clawbacks (<code>gross_earnings</code>, <code>clawback_applied</code>, <code>net_amount</code>).</li>
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<li><strong>Each booking is paid at most once</strong> (the payout↔booking link is unique), preventing double-pay across batches.</li>
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<li><strong>Bank-holiday-aware scheduling.</strong> Payout period-end and processing dates are shifted off bank-closed days using a shared <code>iranian_holidays</code> calendar — a weekly payout landing on a multi-day Nowruz closure would otherwise fail, since PAYA/SATNA transfers do not settle on closed days.</li>
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<li>Payouts go to the nurse's <strong>verified, registered primary IBAN</strong>, with the IBAN snapshotted and a transfer reference stored for reconciliation. Each payout item carries a unique track id + (for batches) a batch id.</li>
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</ul>
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<h2 id="b-iran-specific-considerations">(b) Iran-specific considerations <a class="anchor" href="#b-iran-specific-considerations" aria-hidden="true">#</a></h2>
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<ul>
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<li>Payouts are <strong>real bank transfers to registered IBANs</strong> (PAYA/SATNA cycles, next-business-day on holidays) — there is no chargeback-style reversal, which is <em>why</em> the dispute window must close before payout and why clawback is a netting/receivable mechanism rather than an automatic reversal.</li>
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<li>Provider settlement cut-offs (Toman/Jibit) mean payout must tolerate a provider being unavailable mid-cycle; the batch + reconciliation references survive a swap.</li>
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<li>Each nurse must have a Shahkar/KYC-verified, IBAN-ownership-checked account registered as a beneficiary before any payout targets it.</li>
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</ul>
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<h2 id="c-mvp-vs-deferred">(c) MVP vs DEFERRED <a class="anchor" href="#c-mvp-vs-deferred" aria-hidden="true">#</a></h2>
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<ul>
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<li><strong>MVP:</strong> weekly batches; EVV + dispute-window gating; per-session accrual for engagements; <code>nurse_clawbacks</code> with next-batch netting and write-off; unique booking↔payout link; <code>iranian_holidays</code>-aware scheduling; verified-IBAN payouts with reconciliation references.</li>
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<li><strong>DEFERRED:</strong> on-demand / instant nurse withdrawal; per-nurse configurable payout frequency; automated clawback recovery beyond netting.</li>
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</ul>
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<h2 id="d-supporting-database-entities">(d) Supporting database entities <a class="anchor" href="#d-supporting-database-entities" aria-hidden="true">#</a></h2>
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<p><code>nurse_payout_batches</code>, <code>nurse_payouts</code> (with <code>gross_earnings_irr</code>, <code>clawback_applied_irr</code>, <code>net_amount_irr</code>, <code>iban_snapshot</code>), <code>nurse_payout_booking_links</code> (unique per booking), <strong><code>nurse_clawbacks</code></strong>, <code>ledger_entries</code>, <strong><code>iranian_holidays</code></strong>, <code>bookings.dispute_window_ends_at</code>, <code>nurse_bank_accounts</code>.</p>
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<blockquote><p><strong>Related:</strong> Data model — <a href="../data-model/07-payouts.html">Payouts</a>.</p>
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