Pending
Customer submitted order context or started a mock handoff.
No approval decision has been made.
R&D Concept Only
Fina Calle PayBridge
A local-business payment-options connector concept. The owner gets a QR code, the customer enters order context, and any payment or financing decision stays with the merchant or external provider.
Owner Friction Target
One QR. One order number. Four plain statuses.
The owner should not manage underwriting, repayment terms, provider decision logic, card data, or financial complexity. The owner only needs to place the QR and watch whether a request is pending, approved, paid, or declined.
Mock QR Flow
Scan, enter order number, choose mock path.
This prototype shows the customer and owner surfaces only. It does not process payments, collect card data, or submit financing applications.
Customer Mock Screen
Both buttons are non-processing R&D controls. No payment, application, approval, SMS, or provider request is triggered.
Owner Status Lifecycle
Approved
Merchant or external provider marked the request approved.
Fina Calle only displays the external/merchant status.
Paid
Merchant or external provider indicates payment is complete.
Fina Calle does not settle funds in this R&D mock.
Declined
Merchant or external provider could not approve or complete the request.
Fina Calle does not decide declines.
Phase Path
Phase 0
R&D mock
Static concept page and docs only. No live payment, provider, backend, or approval flow.
Phase 1
Merchant intake prototype
Research owner setup, QR placement, order-number conventions, staff instructions, and support boundaries.
Phase 2
Partner-link prototype
Explore an approved external or merchant-controlled handoff link without embedded payment or credit logic.
Phase 3
Compliance review before production
Legal, privacy, security, provider, merchant-of-record, and support review before any public product.
Legal / safety note
Fina Calle PayBridge connects customers to payment options. Financing, approvals, repayment terms, and lending decisions are handled by third-party providers or the merchant.
Fina Calle is connector only: not the lender, not the approval party, not the repayment servicer, and not the merchant of record unless future legal/compliance review explicitly says otherwise.
This page is an R&D mock. It has no payment processing, no Stripe SDK, no card storage, no approval engine, no SMS, no API, no database, and no production integration.