baya-monorepo/product/payments/sources.md

[← Payments overview](index.md)

# 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.

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## 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.