{
  "schema": "insimbi.usecase-video.flow/1",
  "slug": "retailer-card-costs",
  "title": "A retailer taking control of card costs",
  "use_case_number": 6,
  "use_case_count": 8,
  "source": {
    "repo": "iridium-payments/insimbi",
    "path": "web/insimbi-net/site/use-cases/retailer-card-costs.md",
    "url": "https://insimbi.net/use-cases/retailer-card-costs/"
  },
  "cohorts": [
    {
      "symbol": "Fi",
      "name": "Fiat · cards"
    },
    {
      "symbol": "Vs",
      "name": "Value-added services"
    }
  ],
  "video": {
    "file": "retailer-card-costs.mp4",
    "captions": "retailer-card-costs.vtt",
    "poster": "retailer-card-costs.poster.png",
    "width": 1920,
    "height": 1080,
    "fps": 30,
    "codec": "h264",
    "duration_s": 36,
    "segments": {
      "intro": [
        0,
        1.6
      ],
      "handoff": [
        20,
        20.6
      ],
      "end_card": [
        31.8,
        36
      ]
    }
  },
  "api_host": "sandbox.api.insimbi.xyz",
  "notes": [
    "Illustrative scenario: a fictional type of business, not a customer. No results are claimed.",
    "Only GET /health, /oauth2/token and the account reads are in the OpenAPI contract. POST /v1/payments, captures, tickets, cutoffs preview and webhooks are designed endpoints (insimbi.net/docs/api); paths and fields can change.",
    "Event names are limited to those published on insimbi.net (authorization.allowed, approval.proposed, approval.approved, payment.captured). Other steps have event: null; their result is a line on the record. The Record step carries its own on-screen status, recorded (console.status), not an event.",
    "x402 fields follow x402 v2 as summarised in docs/partners (PAYMENT-REQUIRED, PAYMENT-SIGNATURE, PAYMENT-RESPONSE; /verify, /settle). Network and asset are placeholders.",
    "Amounts are illustrative only. Fee amounts are placeholders.",
    "console.clock is an illustrative wall clock (06:49:00.000 at t=0), not real time."
  ],
  "steps": [
    {
      "n": 1,
      "id": "h1",
      "lane": "human",
      "element": {
        "number": "01",
        "symbol": "Fi",
        "name": "Fiat · cards"
      },
      "tile_symbol": "Br",
      "name": "Browse",
      "actor": "shopper",
      "action": "Shopper fills a basket",
      "checks": "shopper",
      "approves": null,
      "records": null,
      "endpoint": "GET shop.example/basket (retailer)",
      "event": null,
      "caption": "A shopper browses the online shop and fills a basket.",
      "console": {
        "clock": "06:49:02.050",
        "t": 2.05,
        "status": "seen",
        "text": "GET shop.example/basket",
        "checked": "shopper",
        "approved": "—",
        "detail": [
          "GET /basket"
        ]
      },
      "t_start": 1.6,
      "t_end": 4,
      "timecode_start": "00:00:01.600",
      "timecode_end": "00:00:04.000",
      "wire": "# merchant app: nothing has moved yet\nGET /basket\n{ \"basket\": \"bsk_901\", \"channel\": \"online\",\n  \"amount\": \"64.00\", \"currency\": \"USD\" }"
    },
    {
      "n": 2,
      "id": "a1",
      "lane": "agent",
      "element": {
        "number": "05",
        "symbol": "Mm",
        "name": "Machine & agentic"
      },
      "tile_symbol": "In",
      "name": "Intent",
      "actor": "shopping agent",
      "action": "Shopping agent reorders",
      "checks": "agent",
      "approves": null,
      "records": null,
      "endpoint": "MCP tools/call quote_ticket",
      "event": null,
      "caption": "A shopper's agent reorders household items. It prices first; nothing is submitted.",
      "console": {
        "clock": "06:49:04.450",
        "t": 4.45,
        "status": "seen",
        "text": "tools/call quote_ticket",
        "checked": "agent",
        "approved": "—",
        "detail": [
          "← { \"perimeter\": \"per_01J9@3\", \"decision\": \"allow\" … }"
        ]
      },
      "t_start": 4,
      "t_end": 6.8,
      "timecode_start": "00:00:04.000",
      "timecode_end": "00:00:06.800",
      "wire": "tools/call quote_ticket  # MCP, submits nothing\n{ \"amount\": \"64.00\", \"currency\": \"USD\",\n  \"payee\": \"shop.example\" }\n← { \"perimeter\": \"per_01J9@3\", \"decision\": \"allow\",\n    \"lines\": [{ \"label\": \"network\", \"amount\": \"<fee>\" }] }"
    },
    {
      "n": 3,
      "id": "h2",
      "lane": "human",
      "element": {
        "number": "01",
        "symbol": "Fi",
        "name": "Fiat · cards"
      },
      "tile_symbol": "Pa",
      "name": "Pay",
      "actor": "shopper → retailer",
      "action": "Debit card at checkout",
      "checks": "insimbi API (token)",
      "approves": null,
      "records": "insimbi audit record",
      "endpoint": "POST sandbox.api.insimbi.xyz/v1/payments",
      "event": "authorization.allowed",
      "caption": "The shopper pays by debit card. The retailer calls insimbi; recorded.",
      "console": {
        "clock": "06:49:07.250",
        "t": 7.25,
        "status": "allowed",
        "text": "authorization.allowed",
        "checked": "insimbi API",
        "approved": "—",
        "detail": [
          "POST /v1/payments"
        ]
      },
      "t_start": 6.8,
      "t_end": 9.2,
      "timecode_start": "00:00:06.800",
      "timecode_end": "00:00:09.200",
      "wire": "POST /v1/payments\nIdempotency-Key: idem_7c1e\n{ \"amount\": \"64.00\", \"currency\": \"USD\",\n  \"payment_method\": \"debit_card\", \"channel\": \"online\",\n  \"order\": \"ord_3310\" }\n# recorded: authorization.allowed"
    },
    {
      "n": 4,
      "id": "a2",
      "lane": "agent",
      "element": {
        "number": "05",
        "symbol": "Mm",
        "name": "Machine & agentic"
      },
      "tile_symbol": "Pc",
      "name": "Policy check",
      "actor": "insimbi rules + mandate",
      "action": "Mandate: merchant, cap",
      "checks": "insimbi mandate check",
      "approves": null,
      "records": "insimbi record",
      "endpoint": "POST sandbox.api.insimbi.xyz/v1/payments (perimeter check)",
      "event": "authorization.allowed",
      "caption": "insimbi checks the agent's mandate: merchant, cap and scope. Recorded.",
      "console": {
        "clock": "06:49:09.650",
        "t": 9.65,
        "status": "allowed",
        "text": "authorization.allowed",
        "checked": "mandate check",
        "approved": "—",
        "detail": [
          "← { \"perimeter\": \"per_01J9@3\", \"decision\": \"allow\" }"
        ]
      },
      "t_start": 9.2,
      "t_end": 12,
      "timecode_start": "00:00:09.200",
      "timecode_end": "00:00:12.000",
      "wire": "# rules + mandate check, before any network\n{ \"principal\": \"person:shopper_77\",\n  \"scope\": \"household reorders\", \"cap\": \"<cap per order>\" }\n← { \"perimeter\": \"per_01J9@3\", \"decision\": \"allow\" }\n# recorded: authorization.allowed"
    },
    {
      "n": 5,
      "id": "a3",
      "lane": "agent",
      "element": {
        "number": "05",
        "symbol": "Mm",
        "name": "Machine & agentic"
      },
      "tile_symbol": "Px",
      "name": "Pay request",
      "actor": "retailer API → agent",
      "action": "x402-style request, card token",
      "checks": "agent",
      "approves": null,
      "records": null,
      "endpoint": "402 PAYMENT-REQUIRED → PAYMENT-SIGNATURE",
      "event": null,
      "caption": "The shop returns an x402-style payment request; the agent answers with its card token.",
      "console": {
        "clock": "06:49:12.450",
        "t": 12.45,
        "status": "seen",
        "text": "402 PAYMENT-REQUIRED",
        "checked": "agent",
        "approved": "—",
        "detail": [
          "PAYMENT-REQUIRED { \"amount\": \"64.00\", \"payTo\": \"shop.example\" }"
        ]
      },
      "t_start": 12,
      "t_end": 14.8,
      "timecode_start": "00:00:12.000",
      "timecode_end": "00:00:14.800",
      "wire": "HTTP/1.1 402 Payment Required  # POST /checkout bsk_902\nPAYMENT-REQUIRED (decoded): { \"x402Version\": 2,\n  \"accepts\": [{ \"scheme\": \"exact\", \"amount\": \"64.00\",\n  \"asset\": \"<agent card token>\", \"network\": \"<caip2>\",\n  \"payTo\": \"shop.example\" }] }\n→ retry with PAYMENT-SIGNATURE: <signed payload>"
    },
    {
      "n": 6,
      "id": "h3",
      "lane": "human",
      "element": {
        "number": "01",
        "symbol": "Fi",
        "name": "Fiat · cards"
      },
      "tile_symbol": "Ap",
      "name": "Approve",
      "actor": "shopper + card issuer",
      "action": "Shopper confirms",
      "checks": "card issuer",
      "approves": "shopper",
      "records": "insimbi record",
      "endpoint": "challenge (3-D Secure)",
      "event": null,
      "caption": "The issuer challenges and the shopper approves. Recorded.",
      "console": {
        "clock": "06:49:15.250",
        "t": 15.25,
        "status": "on record",
        "text": "3-D Secure challenge",
        "checked": "card issuer",
        "approved": "shopper",
        "detail": []
      },
      "t_start": 14.8,
      "t_end": 17.2,
      "timecode_start": "00:00:14.800",
      "timecode_end": "00:00:17.200",
      "wire": "# rail result: challenge such as 3-D Secure\n{ \"payment_id\": \"pay_01J9\", \"challenge\": \"3ds\",\n  \"result\": \"passed\", \"approved_by\": \"shopper\" }"
    },
    {
      "n": 7,
      "id": "a4",
      "lane": "agent",
      "element": {
        "number": "05",
        "symbol": "Mm",
        "name": "Machine & agentic"
      },
      "tile_symbol": "Ap",
      "name": "Approval",
      "actor": "mandate (set by shopper)",
      "action": "Inside the mandate",
      "checks": "insimbi mandate check",
      "approves": "shopper, in advance",
      "records": "insimbi record",
      "endpoint": "perimeter decision",
      "event": "authorization.allowed",
      "caption": "Inside the mandate the shopper set. Allowed and recorded.",
      "console": {
        "clock": "06:49:17.650",
        "t": 17.65,
        "status": "allowed",
        "text": "authorization.allowed",
        "checked": "mandate check",
        "approved": "via mandate",
        "detail": []
      },
      "t_start": 17.2,
      "t_end": 20,
      "timecode_start": "00:00:17.200",
      "timecode_end": "00:00:20.000",
      "wire": "# inside the mandate: no new approval needed\n{ \"type\": \"authorization.allowed\", \"subject\": \"ord_3311\",\n  \"decision\": \"allow\" }"
    },
    {
      "n": 8,
      "id": "i1",
      "lane": "insimbi",
      "element": {
        "number": "26",
        "symbol": "Fe",
        "name": "insimbi"
      },
      "tile_symbol": "Tx",
      "name": "Transaction",
      "actor": "insimbi rules",
      "action": "Rules the retailer writes",
      "checks": "your rules",
      "approves": null,
      "records": "insimbi record",
      "endpoint": "rule: rail.card_type.channel.amount@v4",
      "event": "authorization.allowed",
      "caption": "Person or agent, insimbi applies the same rules and keeps one record.",
      "console": {
        "clock": "06:49:21.050",
        "t": 21.05,
        "status": "allowed",
        "text": "authorization.allowed",
        "checked": "your rules",
        "approved": "—",
        "detail": []
      },
      "t_start": 20.6,
      "t_end": 23.4,
      "timecode_start": "00:00:20.600",
      "timecode_end": "00:00:23.400",
      "wire": "# your rules shape the transaction\n{ \"payments\": [\"ord_3310 (debit)\", \"ord_3311 (agent)\"],\n  \"by\": [\"card type\", \"channel\", \"amount\"],\n  \"rule\": \"rule:rail.card_type.channel.amount@v4\" }\n# recorded: authorization.allowed"
    },
    {
      "n": 9,
      "id": "i2",
      "lane": "insimbi",
      "element": {
        "number": "06",
        "symbol": "Vs",
        "name": "Value-added services"
      },
      "tile_symbol": "Ra",
      "name": "Rail",
      "actor": "insimbi rail rule",
      "action": "Debit network, by your rule",
      "checks": "debit network choice",
      "approves": null,
      "records": "insimbi record",
      "endpoint": "debit network choice",
      "event": null,
      "caption": "Eligible debit goes to the network your rule chooses, compared against your current setup, payment by payment.",
      "console": {
        "clock": "06:49:23.850",
        "t": 23.85,
        "status": "on record",
        "text": "debit network choice",
        "checked": "debit network",
        "approved": "—",
        "detail": []
      },
      "t_start": 23.4,
      "t_end": 26.2,
      "timecode_start": "00:00:23.400",
      "timecode_end": "00:00:26.200",
      "wire": "# chosen by your rule: reviewable, reversible\n{ \"rule\": \"rule:rail.debit.eligible@v4\",\n  \"ord_3310\": { \"debit_network\": \"<chosen by your rule>\" },\n  \"ord_3311\": { \"debit_network\": \"<chosen by your rule>\" },\n  \"compared_against\": \"your current setup\" }"
    },
    {
      "n": 10,
      "id": "i3",
      "lane": "insimbi",
      "element": {
        "number": "01",
        "symbol": "Fi",
        "name": "Fiat · cards"
      },
      "tile_symbol": "Se",
      "name": "Settle",
      "actor": "card network",
      "action": "Captured on its network",
      "checks": "network",
      "approves": null,
      "records": "insimbi record",
      "endpoint": "POST sandbox.api.insimbi.xyz/v1/payments/pay_01J9/captures",
      "event": "payment.captured",
      "caption": "insimbi submits each payment on its network and captures on the rail result.",
      "console": {
        "clock": "06:49:26.650",
        "t": 26.65,
        "status": "captured",
        "text": "payment.captured",
        "checked": "network",
        "approved": "—",
        "detail": [
          "← 201 { \"payment_id\": \"pay_01J9\", \"status\": \"captured\" }"
        ]
      },
      "t_start": 26.2,
      "t_end": 29,
      "timecode_start": "00:00:26.200",
      "timecode_end": "00:00:29.000",
      "wire": "POST /v1/payments/pay_01J9/captures\nIdempotency-Key: idem_9a20\n← 201 { \"payment_id\": \"pay_01J9\", \"status\": \"captured\" }\n# compared against your current setup, payment by payment"
    },
    {
      "n": 11,
      "id": "i4",
      "lane": "insimbi",
      "element": {
        "number": "26",
        "symbol": "Fe",
        "name": "insimbi"
      },
      "tile_symbol": "Re",
      "name": "Record",
      "actor": "insimbi record",
      "action": "Network, rule, fee lines",
      "checks": "cost modelling",
      "approves": "shopper, via mandate",
      "records": "insimbi record",
      "endpoint": "GET sandbox.api.insimbi.xyz/v1/tickets/tkt_01J9",
      "event": null,
      "caption": "Every payment shows its network, the rule that chose it and its fee lines, so finance can model the next change.",
      "console": {
        "clock": "06:49:29.450",
        "t": 29.45,
        "status": "recorded",
        "text": "GET /v1/tickets/tkt_01J9",
        "checked": "cost model",
        "approved": "shopper, via mandate",
        "detail": [
          "← 200 { \"ticket_id\": \"tkt_01J9\", \"lines\":  … }"
        ]
      },
      "t_start": 29,
      "t_end": 31.8,
      "timecode_start": "00:00:29.000",
      "timecode_end": "00:00:31.800",
      "wire": "GET /v1/tickets/tkt_01J9\n← 200 { \"ticket_id\": \"tkt_01J9\", \"lines\": [\n  { \"label\": \"authorization\", \"amount\": \"<gross>\" },\n  { \"label\": \"scheme\", \"rule\": \"rule:fee.scheme@v1\" },\n  { \"label\": \"network\", \"rule\": \"rule:fee.debit@v1\" } ],\n  \"debit_network\": \"<chosen by your rule>\" }\n→ webhook { \"type\": \"payment.captured\" }"
    }
  ]
}