Wallet and split payments
Review stored value, refund credit, trade credit, gift balance, remaining amount due, tender order, refunds, limits, and finance approval as demo review data only.
Next step: return to checkout review
Use this route to understand credit source, applied balance, remaining amount, and refund routing before returning to the simulated checkout boundary.
Balance Types
- Account balance can represent refund credit, gift balance, trade adjustment, seller service credit, or support-issued credit.
- Each balance line needs a source, reason, expiration, allowed category, allowed seller, and customer-visible history.
- Private payment details are not shown or collected on this demo route.
Tender Order
- Cart review should apply eligible account balance first, then show the remaining amount due before the payment boundary.
- Split payment review should show item total, shipping line, hub service line, taxes when enabled, credits, and remaining balance.
- Declined or unavailable tender states need clear fallback choices instead of vague checkout failure copy.
Split Limits
- Limits can be set by account standing, order value, category risk, seller status, open reports, identity review, and support ownership.
- High-value auctions can require authorization review before account balance and another tender are combined.
- Limits should be visible to support and finance teams before a customer is asked to retry.
Refund Routing
- Refunds should return to the original tender order when possible, with credits and external tenders separated in the order timeline.
- Partial refunds need item, shipping, hub service, insurance, tax, and seller-release impact broken out clearly.
- Support outcomes should explain whether the buyer receives account credit, original-tender refund, seller adjustment, or no refund.
Fraud and Holds
- Suspicious balance use, rapid account changes, repeated refunds, mismatched pickup proof, or chargeback history can pause split payment use.
- Every hold needs a customer-safe reason, owner, evidence source, next action, and review deadline.
- Risk review should not expose private signals to buyers or sellers.
Gift and Trade Credit
- Gift and trade credit should show allowed purchase types, expiration, transfer rules, and whether it can pay shipping or hub services.
- Trade credit from item-for-item offers needs the source offer, accepted difference, handoff completion, and support window.
- Seller service credits should remain separate from buyer stored value.
Statement Trail
- Wallet activity should show created, applied, reversed, refunded, expired, held, and released states.
- Finance review needs order id, buyer id, source, amount, reason, owner, and reconciliation status.
- Data export and privacy requests should include balance history without exposing private payment credentials.
Owner Approval
- Launch approval should cover stored-value policy, split-tender order, refund routing, expiration, support overrides, and fraud holds.
- Finance, support, trust, privacy, and customer experience owners each need sign-off before wallet services go live.
- Rollback should disable new wallet application without hiding previous order and refund history.
Cart Center
Review cart credit application, remaining amount due, handoff choices, and checkout boundary.
Checkout Review
Cart items, handoff choices, fee visibility, protection cues, credits, and payment boundary.
Balance & Credits
Account credits, refund credits, trade adjustments, seller service credits, holds, and limits.
Rewards Center
Rewards balance, trade credit, pickup perks, seller rewards, and redemption limits.
Aligned Ownership
Half Cash, Half Stock preview, participation rewards, and approval boundaries.
Payment Readiness
Authorization, wallet credits, seller releases, refunds, chargebacks, and tax readiness.
Tax & Fee Estimate
Buyer totals, service lines, estimated taxes, applied credits, refund routing, and receipt impact.
Settlement Ledger
Order value, holds, refund impact, seller release status, and finance review.
Receipts & Invoices
Credit use, split tender, refund routing, buyer receipt, and seller statement trail.
Returns Center
Eligibility, evidence, seller response, refund holds, and outcome paths.
Trade Offers
Cash difference, trade adjustment, seller messages, proof notes, and handoff choice.
Risk Review
Listing holds, account checks, bid review, report patterns, hub evidence, and operator decisions.
Data Export
Finance files, seller records, privacy requests, audit history, and owner approval.
Current demo state
Wallet and split payments are represented as review data.
The demo shows balance types, tender order, split limits, refund routing, gift and trade credit, fraud holds, and statement trail without processing real payments.
Future platform state
Launch-ready wallet services need financial controls.
Launch needs stored-value policy, provider reconciliation, ledger rules, refund rules, split-tender handling, fraud review, tax treatment, privacy review, and owner approval.