Owner: Robert Taylor (Eng) · Department: Engineering · Status: Live · Version: 1.0
Effective Date: 2026-06-13 · Last Reviewed: 2026-06-13 · Next Review Date: 2026-09-13
Source of Truth: code (FastAPI backend) · Maturity: 4 (Operational)
Payments and payouts across customer, vendor, and driver rails.
flowchart LR
CUST[Customer] -->|card/ACH| PC[PaymentCloud]
CUST -->|BNPL| SZ[Sezzle]
VEND[Vendor payout] --> VPP[VendorPayoutProvider<br/>rail-agnostic]
DRV[Driver payout] --> SC[Stripe Connect Express]
ID[Identity] --> PL[Plaid IDV]
- Customer: PaymentCloud (card/ACH) + Sezzle (BNPL).
- Driver payouts: Stripe Connect Express.
- Vendor payouts: rail-agnostic
VendorPayoutProvider (VENDOR_PAYOUT_PROVIDER flag).
- Plaid: identity verification only (not a payment rail).
- payout_onboarded derived from charges_enabled && payouts_enabled (never stored).
- Plaid IDV: code-complete, awaiting template config (§16.2).
- Ledger is write-only/append (reversals append).
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Distilled from docs/audits/backend-truth-audit-2026-06-13.md and portal-maturity-audit-2026-06-13.md.