Payment Gateway Integration

osop_version: "1.0"
id: "payment-gateway-integration"
name: "Payment Gateway Integration"
description: "Merchant applies → KYC/AML → integration → certification → go-live → monitoring."

nodes:
  - id: "merchant_apply"
    type: "human"
    subtype: "input"
    name: "Merchant Application"
    description: "Business type, expected volume, bank details, beneficial owners."

  - id: "kyc_aml"
    type: "system"
    name: "KYC/AML Screening"
    description: "Identity verification, sanctions list, PEP check, risk scoring."
    security:
      risk_level: "high"

  - id: "tech_integration"
    type: "api"
    subtype: "rest"
    name: "Technical Integration"
    description: "Merchant integrates SDK, configures webhooks, sets up tokenization."
    timeout_sec: 1209600

  - id: "cert_testing"
    type: "cicd"
    subtype: "test"
    name: "Certification Testing"
    description: "End-to-end test transactions: auth, capture, void, refund, 3DS."

  - id: "go_live"
    type: "human"
    subtype: "review"
    name: "Go-Live Approval"
    description: "Compliance and engineering sign off on production readiness."
    security:
      approval_gate: true

  - id: "txn_monitoring"
    type: "system"
    name: "Transaction Monitoring"
    description: "Real-time fraud scoring, chargeback rate tracking, velocity checks."

edges:
  - from: "merchant_apply"
    to: "kyc_aml"
    mode: "sequential"
  - from: "kyc_aml"
    to: "tech_integration"
    mode: "conditional"
    when: "kyc.risk_score < threshold"
  - from: "tech_integration"
    to: "cert_testing"
    mode: "sequential"
  - from: "cert_testing"
    to: "go_live"
    mode: "conditional"
    when: "tests.all_passed == true"
  - from: "go_live"
    to: "txn_monitoring"
    mode: "sequential"
  - from: "cert_testing"
    to: "tech_integration"
    mode: "fallback"
    label: "Certification failed, fix integration"