system-prompts-and-models-o.../dealix/docs/ops/MANUAL_PAYMENT_SOP.md
2026-05-01 14:03:52 +03:00

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# 💳 Dealix — Manual Payment SOP
**Use while Moyasar KYC is pending.**
**Valid for first 10 customers** — after that, automate.
---
## Why manual?
Moyasar API returns `account_inactive_error` until full KYC verification completes (13 business days). Until then, payments collected via any of these compliant paths:
1. **Bank transfer** — Sami's business bank IBAN
2. **STC Pay** — mobile wallet
3. **Moyasar hosted invoice** (dashboard-created) — works for some merchants before full API activation
4. **Tap Payments** — alternative gateway if needed
---
## Customer Agreement Flow
```
1. Customer says "yes" on demo
2. Send manual invoice (HTML / PDF) by email + WhatsApp
3. Customer pays via bank transfer, STC Pay, or hosted invoice
4. Sami receives bank notification
5. Sami logs payment in pipeline_tracker.csv
6. Sami onboards customer manually (see ONBOARDING_CHECKLIST.md)
```
---
## Invoice Template (copy-paste)
```
فاتورة Dealix — [رقم الفاتورة]
العميل: [اسم الشركة]
التاريخ: [YYYY-MM-DD]
تاريخ الاستحقاق: [+7 أيام]
---
البند الكمية السعر
Dealix — [الباقة] 1 [999/2999/7999] ريال
---
المجموع الفرعي: [X] ريال
ضريبة القيمة المضافة (15%): [X] ريال
المجموع الكلي: [X] ريال
---
طرق الدفع:
1. تحويل بنكي:
اسم المستفيد: [سامي العسيري]
البنك: [اسم البنك]
IBAN: [SA00 0000 0000 0000 0000 0000]
2. STC Pay:
الرقم: [+966 5XX XXX XXX]
3. بعد الدفع:
أرسل صورة الإيصال على:
WhatsApp: [+966 5XX XXX XXX]
Email: sami.assiri11@gmail.com
---
شروط:
- التفعيل خلال 24 ساعة من استلام الدفع
- استرجاع كامل خلال 7 أيام إذا Pilot
- Setup + تدريب مجاني مع كل باقة
شكراً لثقتكم،
سامي العسيري — Founder, Dealix
https://voxc2.github.io/dealix/
```
---
## Logging in Pipeline Tracker
Once payment received, update `docs/ops/pipeline_tracker.csv`:
```
id=X, ..., payment_status=paid, revenue_sar=[amount], notes=paid via bank transfer on YYYY-MM-DD, invoice INV-001
```
---
## When Moyasar KYC completes
1. Sami sends new activated `sk_live_...` key (in private, not chat)
2. I update Railway env var via GraphQL
3. Redeploy → verify 1 SAR test payment → automate all further customers
4. Retire this manual SOP
---
## SLA Commitments
- Reply to payment confirmation within 30 minutes during business hours
- Activate customer account within 4 hours of payment received
- First onboarding call scheduled within 24 hours
---
## Revenue Recognition (accounting)
For each manual payment:
1. Issue formal invoice PDF with customer details
2. Keep copy in `/invoices/` (local to Sami, not in repo)
3. Bank deposit reference = invoice reference
4. Monthly: reconcile with accountant
5. VAT tracking: accumulate toward ZATCA threshold