DIREKT Payment Model

Scope

Initial payments are provider subscriptions/verification processing. Customer-to-provider service payments are out of MVP unless separately approved.

Architecture

  • payment provider adapter;
  • payment intent/request;
  • external reference;
  • signed webhook ingestion;
  • immutable provider events;
  • internal ledger;
  • invoice/receipt;
  • reconciliation queue;
  • refund/adjustment.

Integrity

  • integer minor units;
  • explicit ZMW;
  • idempotency;
  • no client-authoritative success;
  • webhook signature/replay protection;
  • balanced ledger;
  • manual adjustment requires reason/role/audit;
  • separate commercial and trust domains.

Provider selection criteria

Zambia availability, mobile-money/card methods, settlement, fees, API/webhook quality, sandbox, refunds, dispute handling, security, privacy, support and regulatory fit.

Failure

Pending/unknown remains pending until reconciliation. Do not grant permanent entitlement from an unverifiable client callback.

Compliance

Qualified financial/legal/accounting review required before production.