--- id: CAP-COM-ORD-009 title: Purchase with a deposit and scheduled payments feature: FEAT-COM-ORD-02 product_area: commerce module: orders revision: 1 status: draft product_intent: proposed implementation_evidence: observed supersedes: - CAP-COM-BIL-012 - CAP-COM-BIL-013 - CAP-COM-BIL-014 - CAP-COM-BIL-015 - CAP-COM-BIL-016 - CAP-COM-BIL-017 - CAP-COM-CHK-009 source_sha: services-commerce: c8b66a98e2490617aec38ba5c8165dd9bd0a8f9b react-console: baf6dae382d6f41dce976c7f848667ccc37e076f intent_sources: [] purpose: A deposit purchase connects the up-front payment with the quoted future collection arrangement. outcomes: - Payment of the required deposit accepts a plan order. - Cancellation reduces the remaining collection arrangement. concepts: - CON-COM-ORD-001 - CON-COM-ORD-002 actors: - ACT-COM-014 - ACT-COM-017 surfaces: - api preconditions: [] postconditions: [] permissions: - key: commerce.checkouts.update where_checked: api scope: tenant - key: commerce.orders.read where_checked: api scope: tenant - key: commerce.orders.tender where_checked: api scope: tenant rules: - id: BR-CAP-COM-ORD-009-01 proved_by: [ATS-COM-ORD-001-19, ATS-COM-ORD-001-20, ATS-COM-ORD-007-19, ATS-COM-ORD-009-01, ATS-COM-ORD-009-09, ATS-COM-ORD-014-19, TST-COM-ORD-079] statement: >- A deposit policy permits selection only from its offered installment plans, refuses plan selection under pay-now policies and clears the quote when the selection is cleared. kind: validation enforced_at: - service must_prove: true provenance: test source: >- services-commerce:modules/orders/tests/e2e/installments.e2e.spec.js#refuses a plan the order type does not offer, 400 installment_plan_not_offered naming what is offered origin: none - id: BR-CAP-COM-ORD-009-02 proved_by: [ATS-COM-ORD-009-02, TST-COM-ORD-079] statement: 'The preview presents Accounting’s quoted deposit, installments and allocation across order lines.' kind: calculation enforced_at: - service must_prove: true provenance: test source: >- services-commerce:modules/orders/tests/e2e/installments.e2e.spec.js#answers the preview with the schedule Accounting quotes: 1550 up front of 6200, three installments of 1550, each line split origin: none - id: BR-CAP-COM-ORD-009-03 proved_by: [ATS-COM-ORD-009-03, TST-COM-ORD-079] statement: >- A plan placement preserves its quote, invoices the lines’ deposit portions and accepts the order on payment of that deposit with the payment method vaulted for later installments. kind: lifecycle enforced_at: - service must_prove: true provenance: test source: >- services-commerce:modules/orders/tests/e2e/installments.e2e.spec.js#accepted the order on the deposit of 1550 (what it owes now, not its total), the card sent with vault: true origin: none - id: BR-CAP-COM-ORD-009-04 proved_by: [ATS-COM-ORD-009-04, TST-COM-ORD-079] statement: >- Schedule creation follows acceptance under the order key and updates the money summary without making acceptance depend on successful creation. kind: lifecycle enforced_at: - service must_prove: true provenance: test source: >- services-commerce:modules/orders/tests/e2e/installments.e2e.spec.js#created the schedule under the order’s key after the acceptance, wrote it on the order and reflected it on the mirror origin: none - id: BR-CAP-COM-ORD-009-05 proved_by: [ATS-COM-ORD-009-05, TST-COM-ORD-079] statement: >- Installment payment requires a schedule and an invoiced unpaid installment, uses the retained payment method and refuses early or repeated payment. kind: validation enforced_at: - service must_prove: true provenance: test source: >- services-commerce:modules/orders/tests/e2e/installments.e2e.spec.js#refuses an installment before Accounting invoices it, 409 installment_not_due, charging nothing origin: none - id: BR-CAP-COM-ORD-009-06 proved_by: [ATS-COM-ORD-009-06, ATS-COM-ORD-009-08, ATS-COM-ORD-014-16, TST-COM-ORD-079] statement: >- Cancelling a plan line credits its deposit portion and reduces future installments; cancellation of all item lines ends the schedule and returns the deposit. kind: calculation enforced_at: - service must_prove: true provenance: test source: >- services-commerce:modules/orders/tests/e2e/installments.e2e.spec.js#reduced the remaining installments: the mug’s part gone from the two scheduled ones, the paid one untouched, on the history origin: none - id: BR-CAP-COM-ORD-009-07 proved_by: [] statement: >- The product should pass installment terms to Billing, display Billing’s quote and report cancellations there, with Billing owning scheduling, invoicing and collection. kind: policy enforced_at: - service must_prove: true provenance: documented source: 'services-commerce:docs/milestones/plans/COMM-realignment-2026-10-22.md#5. The milestones, revised' origin: none note: >- The ownership change comes from a proposed realignment whose full approval remains outstanding; finding 004 and question 001 retain the decision. - id: BR-CAP-COM-ORD-009-08 proved_by: [ATS-COM-ORD-009-07] statement: >- A schedule read can retry deferred creation for an accepted order and reconcile its linked invoices and installment money with Accounting. kind: lifecycle enforced_at: - service must_prove: true provenance: observed source: >- services-commerce:modules/orders/services/installments/installment-schedule.ts:readOrderInstallmentSchedule origin: none scenarios: - id: SC-CAP-COM-ORD-009-01 given: A sixty-two-dollar purchase has a deposit and three later installments. when: The buyer pays the fifteen-dollar-fifty-cent deposit. then: The order is accepted and its arrangement calls for three further payments of the same amount. provenance: test source: >- services-commerce:modules/orders/tests/e2e/installments.e2e.spec.js#accepted the order on the deposit of 1550 (what it owes now, not its total), the card sent with vault: true edge_cases: [] constraints: [] depends_on: - CAP-COM-ORD-002 - CAP-COM-ORD-006 - CAP-COM-ORD-007 related: - CAP-COM-ORD-014 journeys: [] open_questions: - OQ-COM-ORD-001 evidence: - >- Examined reference: services-commerce:docs/milestones/plans/COMM-realignment-2026-10-22.md#5. The milestones, revised - >- Examined reference: services-commerce:modules/orders/services/installments/installment-schedule.ts:readOrderInstallmentSchedule - >- Examined reference: services-commerce:modules/orders/tests/e2e/installments.e2e.spec.js#accepted the order on the deposit of 1550 (what it owes now, not its total), the card sent with vault: true - >- Examined reference: services-commerce:modules/orders/tests/e2e/installments.e2e.spec.js#answers the preview with the schedule Accounting quotes: 1550 up front of 6200, three installments of 1550, each line split - >- Examined reference: services-commerce:modules/orders/tests/e2e/installments.e2e.spec.js#created the schedule under the order’s key after the acceptance, wrote it on the order and reflected it on the mirror - >- Examined reference: services-commerce:modules/orders/tests/e2e/installments.e2e.spec.js#reduced the remaining installments: the mug’s part gone from the two scheduled ones, the paid one untouched, on the history - >- Examined reference: services-commerce:modules/orders/tests/e2e/installments.e2e.spec.js#refuses a plan the order type does not offer, 400 installment_plan_not_offered naming what is offered - >- Examined reference: services-commerce:modules/orders/tests/e2e/installments.e2e.spec.js#refuses an installment before Accounting invoices it, 409 installment_not_due, charging nothing controls: [TC-IAM-006, TC-AZ-001, TC-AZ-002, TC-AZ-003, TC-AZ-004, TC-AZ-006, TC-TEN-001, TC-TEN-002, TC-TEN-003, TC-TEN-004, TC-CRY-001, TC-DAT-001, TC-DAT-002, TC-DAT-003, TC-LOG-004, TC-LOG-005, TC-AVL-004, TC-MON-001, TC-MON-002, TC-MON-004, TC-PI-001, TC-PI-002, TC-PI-003, TC-PI-004, TC-PI-005, TC-PRV-001, TC-PRV-002] exercised_by: [FAS-COM-ORD-02-05] suites: [TST-COM-ORD-079] --- # Purchase with a deposit and scheduled payments ## Purpose A deposit purchase connects the up-front payment with the quoted future collection arrangement. Staff can trace the arrangement through the order and its cancellations. ## How It Works A buyer selects a plan offered by the deposit policy and reviews the quoted collection arrangement. Placement preserves the quote and prepares the deposit invoice. Once the deposit requirement is satisfied, Commerce accepts the order and requests its schedule. A deferred schedule can be recovered by later reconciliation, including a schedule read. Installment payment and cancellation refer back to the arrangement already established. The product should transfer this responsibility to Billing under the proposed application boundary. ## Relationships Policy selection permits plan choices, preview obtains the arrangement, payment meets the deposit and cancellation reduces the remaining schedule.