{
  "payment_type": "tuition_payment",
  "ledger_entry_type": "tuition_payment_apply",
  "authorization": "Resolve the enrolled student, payer, course price, and approved installment amount before creating the Payment.",
  "amounts": "Positive integer strings in USD cents, resolved server-side from approved records.",
  "identity": "Authenticate the payer and resolve the Ledger and business record server-side.",
  "idempotency": "Persist one stable key and exact payload per operation. Recover existing operations after timeouts.",
  "concurrency": "Serialize application approvals per record; the apply entry condition prevents a negative available balance.",
  "settlement": "Verify Payment status on the server. Never post native settlement entries manually.",
  "domain_rules": {
    "Sponsor pays for a student": "Associate the receipt with the student's enrollment while retaining the authorized payer identity in your application.",
    "Installment schedule": "Create a separate Payment and stable operation key for each approved installment.",
    "Withdrawal or deferral": "Update the enrollment decision before applying prepaid funds. A card receipt does not determine academic eligibility."
  }
}