Transfer 04 / transactions
A checkout, an invoice, and a settlement are related but separate systems. The project must identify the seller, transaction, provider, DGI/e-invoice responsibilities, certificate or qualified-provider dependencies, currency behavior, and accounting owner.
Determine with the client and adviser whether Panama electronic invoicing applies, which modality and provider are approved, who owns enrollment and certificates, and what technical interface and evidence are required.
Confirm merchant entity, provider access, PAB/USD display and settlement, authorization, pending, duplicate, timeout, failure, refund, receipt, dispute, reconciliation, and support.
Assign tax, invoice, currency, refund, reconciliation, and record-retention decisions to the client, accountant/adviser, provider, and bank. Engineering validates only the approved integration.