FINANCIAL OPERATIONS • CASHLESS SETTLEMENT

Cashless service delivery with controlled settlement.

Review how the platform segments customer checkout, base service commissions, extra-cost approvals, and vendor ledgers to block cash bypass and secure quality rework.

Ledger Sandbox

Interactive Financial Operations Simulator

Walk through total cashless receipt structures, configure commissions, and simulate 45-day quality hold expiries.

Interactive Finance Simulator

quality hold & Settlement Operations

FINANCE PROTOCOL:30 SAR Fee Enforced

Cashless quality hold Breakdown

Adjust variables to observe settlement splits, platform commission, and vendor net calculations.

SAR
SAR
Fixed Platform Booking Fee:30 SAR
quality hold Ledger Calculations
Customer Paid (Total Checkout):400 SAR
└─ Platform Fee (quality hold Direct):30 SAR
└─ Base Service Charge:250 SAR
└─ Approved Materials & Tools:120 SAR
Platform Commission (15% service):-38 SAR
Vendor Net Payout:332 SAR
*Materials cost is reimbursed 100% (non-commissionable)

Quality quality hold Status

REF: ESC-2026-9812
45-day quality hold
quality hold period:32 Days Remaining
Day 0 (Service Completed)Day 45 (Payout Eligible)
Simulation Controls
Ledger Audit Trail
RECONCILIATION LOGSAUDITED & MATCHED
2026-06-15 14:32:01 - Payment authorization captured (ApplePay). AuthCode: AP-9281X.
2026-06-15 15:45:10 - Diagnosis check sheet matched. Extra-cost approval signed by customer.
2026-06-15 16:10:00 - Job completed. 3-day dispute countdown initialized.
2026-06-18 16:10:00 - quality hold dispute window expired cleanly. 45-day quality holding loop locked.
Billing Components

Customer Checkout Architecture

Every home services job uses a structured cashless bill to maintain transaction transparency and ensure tax readiness in Riyadh zones. The customer checkout totals include:

01 / Fixed Platform Fee

An immutable 30 SAR platform fee applied to every booking to cover matching, SLA monitoring, and payment gateway costs.

02 / Base Service Charge

Configurable base diagnostic fees depending on categories, which are held in secure settlement hold prior to technician dispatch confirmation.

03 / Additional Materials

Site repair parts or additional tools required, approved dynamically via operations and paid cashless before final job completion.

Material Reimbursement

Controlled Material-Cost Approval

To prevent unauthorized cash collections and off-platform pricing bypass, technicians cannot receive cash directly. Any extra work or materials must go through an approved additional-cost workflow:

Vendor Inspection: Technician logs materials needed + uploads photo receipts.
Admin Validation: Operations console checks price against market averages for controlled material-cost approval.
Customer Approval: Customer confirms the quote via their mobile app for approved material reimbursement.
Cashless Checkout: Additional payment is authorized online, releasing the job for completion.
Cost Control Rule
Authorized Gate:100% Cashless Only
Price Caps:Admin-Configurable limits
Tax Compliance:VAT Invoices generated automatically
Revenue Splits

Rules-Based Platform Commissions

Platform commissions apply exclusively to service values and are structured dynamically according to business packages or capability levels. Materials and third-party tools are excluded from commission deductions:

Service Commissions

A percentage (e.g. 15% standard illustrative rate) applies solely to diagnostic fees and service charges.

Zero Materials Commission

Spare parts and tool costs are passed to the vendor net payout without platform commission overrides.

Configurable Matrix

Adjustable commission tiers allow administrators to reduce fees for premium subscriber vendors.

Accounting Control

Vendor Ledger & Platform Settlement Ledger

The platform settlement ledger traces gross bookings, commissions, adjustments, and holding states for every vendor ledger to maintain accounting integrity:

Job RefGross ServiceCommissionMaterialsHold StateInternal Payout Balance
JOB-8891150 SAR-22.5 SAR0 SARpayout quality hold127.5 SAR
JOB-8822300 SAR-45.0 SAR120 SARsettlement hold375.0 SAR
Quality Guarantee

The 45-Day Quality Hold Lock

To defend client quality and protect against premature vendor churn, the platform holds payouts for 45 days. This ensures funds are available in a 45-day quality hold if complaints or quality failures occur during the rework window:

Dispute Safeguards

If a rework ticket is approved during the initial 3-day customer dispute slot, the payout quality hold release is frozen until the revisit checks close.

Financial Hold Controls

Operations maintains settlement control over all released internal payout balance items, verifying compliance status before bank transfers are triggered.

Payout Pipeline

Settlement Transfer Lifecycles

01 / PENDING HOLD

payout amount locked during initial 3-day complaints review window.

02 / 45-DAY QUALITY HOLD

Vendor ledger balance held in quality reserve for 45-day quality hold coverage.

03 / ELIGIBLE RELEASE

Quality hold expired. Balance approved for payout queue batching.

04 / BANK CLEARED

Batch transfer finalized via local SAR bank API integrations.

Audit Integrity

Auditing & Reconciliation Readiness

Compliance Export Registry

The platform generates immutable platform settlement ledger records containing customer payment IDs, checkout values, VAT documentation references, matching job IDs, vendor IDs, and bank settlement batch IDs. Administrators can export audited records directly to corporate accounting systems.

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