Glossary

Term	Plain-language meaning
Available	Money that can be requested for payout.
Batch	A traceable group of complete charges released together.
Charge	A request to collect money from a customer.
Fee	The Malipo amount deducted from the gross charge.
Gross amount	The amount paid by the customer before fees.
Hold	A temporary block that prevents release or payout.
Idempotency	Protection that makes retrying the same request safe.
Live	Production mode using real money.
Net amount	The merchant amount after Malipo fees.
Pending	Confirmed money not yet available for payout.
Payout	A merchant-requested transfer to Mobile Money.
Pricing snapshot	The unchangeable pricing details saved on a charge.
Refund	Money returned for a successful charge.
Settlement	Moving eligible merchant net funds from pending to available.
Ledger	Immutable internal register used by Malipo to explain each financial movement.
Journal	Balanced group of debit and credit entries created from one event.
Reconciliation	Comparing Malipo records, operational balances, and provider evidence to find differences.
Statement	Monthly merchant-only summary of financial activity and balances.
Reversal	New movement cancelling an earlier one without editing history.
UTC	The common clock used for financial dates and limits.
Webhook	An authenticated event sent to your server.

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