96 lines
1.7 KiB
Markdown
96 lines
1.7 KiB
Markdown
# Payment Rails Specification
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## Overview
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Payment rails for on-ramp/off-ramp, ACH, wire, and card processing integration.
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## On-Ramp Integration
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### Providers
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**Crypto On-Ramp**:
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- MoonPay
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- Ramp
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- Transak
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- Others
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### Integration Pattern
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**Flow**:
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1. User initiates on-ramp
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2. Redirect to provider or embed widget
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3. User completes purchase
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4. Provider webhook notifies completion
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5. Credit customer account
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## Off-Ramp Integration
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### Providers
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Similar to on-ramp providers
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### Flow
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1. User initiates withdrawal
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2. Verify balance and limits
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3. Initiate withdrawal with provider
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4. Provider processes withdrawal
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5. Debit customer account
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6. Monitor completion
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## ACH/Wire/Card Rails
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### ACH Processing
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**Integration**: Banking partner or payment processor
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**Use Cases**: Fiat deposits/withdrawals
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**Processing Time**: 1-3 business days
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### Wire Transfers
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**Integration**: Banking partner
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**Use Cases**: Large fiat transfers
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**Processing Time**: Same day or next day
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### Card Processing
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**Integration**: Payment processor (Stripe, etc.)
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**Use Cases**: Card purchases
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**Processing Time**: Instant (authorization), 1-3 days (settlement)
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## Settlement Monitoring
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### Monitoring Process
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**Track**:
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- Transaction status
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- Settlement status
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- Failed transactions
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- Disputes/chargebacks
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### Alerts
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**Trigger Conditions**:
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- Settlement failures
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- Unusual delays
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- Disputes
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- Chargebacks
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## Payment Status Tracking
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### Status States
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- `initiated`: Payment initiated
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- `pending`: Pending processing
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- `processing`: Being processed
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- `completed`: Successfully completed
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- `failed`: Processing failed
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- `refunded`: Refunded
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- `disputed`: Under dispute
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## References
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- Account & Ledger: See `account-ledger.md`
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- Compliance: See `compliance-dashboards.md`
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