Payment — Core concepts

Concept	Meaning
PaymentOption	Business/customer-facing method: PayLater, PayNow, Direct Debit, Deposit, etc.
Payment method availability	Rules deciding which methods are available by BU, site, category, provider, and toggle.
PayLater	Continue booking/invoicing while collection happens later.
PayNow	Immediate card checkout through a provider.
Windcave	Card/checkout provider using redirect/result/webhook flow.
Direct Debit	Automatic collection using customer token and debit batch.
Kiwi Direct Debit	Provider-specific DD customer create/sync behavior.
Deposit	Partial upfront payment for booking; not full invoice settlement.
DirectPaymentBatch	Provider transaction group for direct payments or deposit payments.
AccountPaymentCustomer	Payment customer profile scoped by account, BU, and provider.

Payment option vs provider

PaymentOption is the business method users select. Provider is the external system that processes it. PayNow can use Windcave; Direct Debit can use Kiwi.

Deposit is not full payment

Deposit can allow booking confirmation after a partial payment, while Finance may still generate the full invoice. Remaining settlement belongs to later payment/finance workflow.

Ownership summary

Owner	Owns
Payment	Provider transaction, customer token, batch lifecycle, checkout result.
Finance	Invoice/billing lifecycle and financial documents.
BookingOrder	Booking lock/deposit snapshot for confirmation.
BusinessUnit	Method/provider settings and availability scope.