Settlement

Settlement = transfer saldo dari Dehuyz Gateway ke rekening bank merchant. Saat ini manual — admin proses request lo lewat mobile banking.

Konsep

Customer scan QR → bayar → uang masuk rekening BRI merchant of record (Dehuyz).
Saldo lo (di Dehuyz) bertambah sebesar nett_amount (Phase awal: nett_amount = amount, gak ada fee).
Lo request payout di /dashboard/settlements — pilih amount + isi info rekening tujuan.
Admin (Dehuyz) review, approve, transfer manual via mobile banking, mark as transferred.
Saldo lo otomatis berkurang lewat ledger entry settlement_debit.

Status flow

[requested] --(admin approve)--> [approved] --(admin transfer)--> [transferred]
     |
     (admin reject)
     v
 [rejected]

Status	Arti
`requested`	Lo submit request, menunggu admin review
`approved`	Admin OK, saldo lo dipotong, transfer pending dilakukan admin
`transferred`	Transfer selesai, bukti tertulis di `admin_note`
`rejected`	Admin tolak (alasan di `admin_note`)

Cara request payout

Buka /dashboard/settlements.
Pastikan Saldo tersedia > 0. Saldo update otomatis tiap pembayaran masuk.
Isi form:
- Amount (Rp): max sebesar saldo
- Bank: BCA, Mandiri, BRI, dll
- No rekening: angka rekening
- Nama pemilik: harus match rekening (admin verify saat transfer)
Submit. Status awal requested.
Admin akan email atau notif (Phase 6+) saat approved/transferred.

Default rekening

Set di /dashboard/profile sekali, semua request payout berikutnya prefilled.

SLA

Karena settlement masih manual, target SLA:

Working hours (08-17 WIB): approve dalam 4 jam, transfer dalam 8 jam
Outside hours / weekend: H+1 (next working day)

Phase 6+ akan tambah auto-settlement: payout otomatis terjadwal harian / mingguan tanpa request manual.

Fee

Phase awal (sekarang): 0% fee, lo dapat full amount.
Future: bisa berubah jadi misal Rp 700/transaksi atau 0.7%. Dehuyz akan kasih notice 30 hari sebelum berlaku.

Ledger entry

Tiap pembayaran + settlement create entry di ledger_entries:

Type	Amount	Trigger
`payment_credit`	+nett_amount	Invoice paid
`fee_debit`	-fee_amount	(Future) saat fee diaktifkan
`settlement_debit`	-amount	Admin approve settlement
`adjustment`	±	Manual koreksi by admin

balance_after snapshot saldo setelah entry, bisa dilihat di tabel ledger di /dashboard/settlements.

Rekonsiliasi

Setiap awal bulan, audit balance lo:

-- Sum credit
SELECT SUM(amount) FROM ledger_entries
WHERE merchant_id = '<id>' AND amount > 0;

-- Sum debit
SELECT SUM(ABS(amount)) FROM ledger_entries
WHERE merchant_id = '<id>' AND amount < 0;

Nett saldo = sum_credit - sum_debit. Harus match dengan total payment - total settlement.

Edge case

"Saldo terlihat tapi gak bisa request payout" — cek apakah ada settlement berstatus approved (sudah dipotong) atau requested (belum). Saldo dihitung real-time dari ledger.

"Settlement transferred tapi belum masuk rekening" — admin ada catatan di admin_note (mis. nomor referensi transfer mobile banking). Konfirmasi ke admin dengan settlement ID.

"Salah input nomor rekening" — kalau status masih requested, cancel langsung gak bisa (akan ditambah Phase 6+). Tunggu admin reject, lalu submit ulang.