holding customer funds may fall under UAE Central Bank rules; 'escrow' is a regulated term. Confirm with a UAE payments/fintech specialist before building.

Handle merchant debits and payment gateway chargebacks.

Flat fee commission calculation.

verified merchant IBANs, batched payouts, release ~7 days post-delivery after the return window closes.

which rider collected how much, when banked, what's outstanding.

double-entry for held funds, released funds, commission, refunds, seller balances.

evaluate gateways (Telr, PayTabs, Network International, Stripe); confirm compatibility with our existing business bank account. Integration is moderate; reconciliation is the hard part.

COD (riders collect cash) and held-funds escrow fight each other; we need per-order logic + cash reconciliation.