Payment draft gate
Draft instruction, no payout
Convert approved payable into a controlled partner-rail draft. Real payment needs maker-checker later.
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Draft queue
Choose approved payable
No approved payable ready for payment draft yet.
Payment safety locks
This creates a payment instruction draft only; it does not execute money movement.
Upaisa/SBP licensed partner execution is still a later integration gate.
Partner callback, settlement, ledger posting, and wallet balance remain locked.
Maker-checker review is mandatory before a future partner instruction can be approved.
Beneficiary and amount are evidence-linked to payable approval, 3-way match, invoice, GRN, and stock movement.
Create payment draft only. No partner execution.