Payment And Refund Rules

A top-up creates a payment row and credits the wallet only after the provider confirms successful payment through the verified server-side path.

Sandbox payments are for development and do not represent real money movement.

Refunds are admin-controlled and must be idempotent. Reusing the same idempotency key must not create a second wallet mutation.

For provider-backed payments, Plyrum must create or verify the provider refund before changing local wallet state.

Pending, canceled, mismatched or unverified provider states must not silently mutate the wallet.

Provider reconciliation and fiscal receipt reconciliation must run before this flow is used for production payments.

These refund rules are an implementation draft and must be aligned with the seller entity, payment provider contract and applicable law before launch.