Operating pillars
4
Capability layers rendered with explicit operational behavior.
Platform Capability
Payments Capability From Charge To Settlement
Run payment flows on an API-first surface designed for clear states, route-aware execution, and finance-grade traceability.
- 01Charge-to-settlement coverage
- 02Failover controls
- 03Audit-ready traces
Contract Runtime
LoopBackward compatible
Versioned contracts with low-drift integration behavior.
Visual center
Contract runtime
Stable contracts, typed responses, and low-drift rollout paths.
Runtime model
Deterministic
Replay-safe money and identity workflows under retry pressure.
Control boundary
Tenant-scoped
Isolation across authorization, data access, and operator actions.
Operating model
A payment request moves from acceptance to routing, ledger state, settlement, and reviewable evidence.
Entrypoint
POST /payments
01Request
Accept payment intent
The API records amount, customer, merchant, currency, and idempotency context.
02Route
Select provider path
Rules choose the rail while preserving a traceable decision for operators.
03State
Post payment state
Authorization, capture, refund, and dispute states remain explicit.
04Event
Emit payment events
Signed events tell product and finance systems what changed.
05Close
Settle and reconcile
Settlement batches are matched back to payment and ledger evidence.
Events emitted
payment.created
payment.authorized
payment.settled
refund.posted
Evidence retained
payment_id
merchant
provider_route
ledger_entry
settlement_batch
Failure path proof
Payment failures stay readable.
Authorization, capture, refund, dispute, route, and settlement behavior stay attached to the same payment story.
01
Provider timeout
Incident
The acquirer accepts a charge but the client times out before receiving the result.
Zentra path
The idempotency key resolves the repeated request against the original payment state.
Evidence
Payment ID, route, attempt count, provider reference, and ledger state remain connected.
02
Settlement drift
Incident
A settlement batch arrives with a value that does not match captured activity.
Zentra path
The mismatch opens a review lane tied to the payment and settlement batch.
Evidence
Batch ID, captured amount, ledger entry, operator owner, and closeout status are retained.
Lifecycle proof
From API request to operational evidence.
This page makes the runtime visible: POST /payments, the state path, emitted events, and evidence a team can inspect when the happy path breaks.
API request
liveawait zentra.runtime.intents.create({
intent_id: "intent_042",
scope: "workspace_scope",
money_model: "minor_units + ledger_currency",
primitives: ["policy", "ledger", "events"]
})
intent accepted
workspace scope resolved
runtime trace attached
Runtime state machine
01Accept intentruntime contractaccepted
02Resolve controlsscope + policycontrolled
03Post ledger stateminor-unit entriesledgered
04Select routecorridor contextrouted
05Sync eventssigned streamsynchronized
06Seal evidenceactor + scope + timeevidenced
Ledger entries
debitcustomer_balance-125000 mu
creditreserved_balance+125000 mu
debitreserved_balance-125000 mu
creditsettlement_account+125000 mu
Audit evidence
actorsvc_runtime
scopeworkspace_scope
policylimit_check.passed
signatureverified
Capability model
Operational building blocks, not vague feature claims.
Each pillar below maps product capability to runtime behavior teams can reason about before launch.
01
Lifecycle coverage
Handle charges, refunds, disputes, and settlements within one coherent model.
02
Routing and failover
Apply provider routing without sacrificing deterministic outcomes.
03
Idempotent execution
Protect payment mutations against duplicate effects under retries.
04
Audit-ready events
Trace every payment transition for compliance and finance review.
Visual center
Contract runtime
Stable contracts, typed responses, and low-drift rollout paths.
- Keep lifecycle coverage deterministic under retries, delays, and asynchronous callbacks.
- Expose state transitions and error semantics clearly enough for operators and integrators to act.
- Capture audit events with tenant and actor attribution for regulated review workflows.
API to product
The integration should create visible state.
A buyer should see the first call, the system response, the webhook behavior, and the ledger/audit consequence without leaving the product page.
create payment
await zentra.payments.create({
amount_minor: 125000,
currency: "ledger_currency",
customer: "customer_ref",
idempotency_key: "pay_live_042"
})System response
status
authorized
event
payment.created
evidence
payment_id
entrypoint
POST /payments
The first integration proof should show POST /payments, emitted events, retained evidence, and visible product state.
Webhook replay
01timeoutevent payment.createdretained
02signature verifiedevent payment.createdretrying
03deliveredevent payment.createdresolved
Result: one ledger-safe state transition
Delivery state remains visible without creating duplicate financial state.
Ledger flow
account
Customer
-125000 mu
account
Reserved
+125000 mu
account
Settlement
+125000 mu
account
Merchant
+125000 mu
account
Payout
closed
Operational proof
Evidence that the capability behaves correctly when production gets noisy.
The proof points below are written to be checked by operators, solution engineers, and compliance teams, not just admired in a brand presentation.
Provider route, authorization, capture, refund, dispute, and settlement state stay visible in one payment trace.
Duplicate capture attempts and late provider settlement records resolve against idempotency and ledger evidence.
Finance can match settlement batches back to payment IDs without separate reconciliation spreadsheets.
Trust layer
Audit evidence travels with the capability.
Every primitive page needs proof that state, actor, tenant, signature, and policy context remain reviewable after the happy path breaks.
Trust evidence
The proof stays attached to the runtime state.
actorsvc_runtime
scopeworkspace_scope
timestamp2026-04-26T14:12:09Z
policylimit_check.passed
intentintent_042
signatureverified
ledgerentry_042
statusaudit_ready