# Flow Payment Reliability Closure

Decision: 87% ready, real Kustom merchant-lane proof pending.

## Proof lanes

### Checkout start
- Status: green
- [x] plan/proposal source
- [x] amount/currency
- [x] tenant trace
- [x] cancel return

### Success, failure and retry
- Status: green-with-merchant-proof-pending
- [x] success
- [x] failure
- [x] retry
- [x] pending verification

### Reconciliation
- Status: green
- [x] provider reference
- [x] booking/proposal link
- [x] ledger state
- [x] ops summary

### Refund and dispute
- Status: baseline-green
- [x] refund request
- [x] chargeback reason
- [x] finance incident
- [x] evidence export

## Acceptance
- [ ] Checkout starts from the correct package or signed proposal.
- [ ] Failure and pending payment states are honest and recoverable.
- [ ] Finance can trace provider reference to tenant, proposal, booking and invoice.
- [ ] Refund/dispute handling has owner, status and evidence.
- [ ] Kustom proof is not marked complete without a real merchant-lane reference.
- [ ] Customer never sees raw provider errors.

## Remaining external proof
- [ ] Archive one real Kustom merchant-lane paid reference.
- [ ] Run refund/dispute proof against a supported merchant lane.
- [ ] Verify recurring/customer-token when Kustom enables that lane.
- [ ] Capture failed payment recovery from live tenant checkout.