WEBVTT
Kind: captions
Language: en

intro
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A retailer taking control of card costs. Illustrative scenario. One person, one agent. One record of who checked, approved and paid.

h1
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<v person>A shopper browses the online shop and fills a basket.
[Browse: checked by shopper]

a1
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<v agent>A shopper's agent reorders household items. It prices first; nothing is submitted.
[Intent: checked by agent]

h2
00:00:06.800 --> 00:00:09.200
<v person>The shopper pays by debit card. The retailer calls insimbi; recorded.
[Pay: checked by insimbi API (token); recorded by insimbi audit record]

a2
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<v agent>insimbi checks the agent's mandate: merchant, cap and scope. Recorded.
[Policy check: checked by insimbi mandate check; recorded by insimbi record]

a3
00:00:12.000 --> 00:00:14.800
<v agent>The shop returns an x402-style payment request; the agent answers with its card token.
[Pay request: checked by agent]

h3
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<v person>The issuer challenges and the shopper approves. Recorded.
[Approve: checked by card issuer; approved by shopper; recorded by insimbi record]

a4
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<v agent>Inside the mandate the shopper set. Allowed and recorded.
[Approval: checked by insimbi mandate check; approved by shopper, in advance; recorded by insimbi record]

i1
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<v insimbi>Person or agent, insimbi applies the same rules and keeps one record.
[Transaction: checked by your rules; recorded by insimbi record]

i2
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<v insimbi>Eligible debit goes to the network your rule chooses, compared against your current setup, payment by payment.
[Rail: checked by debit network choice; recorded by insimbi record]

i3
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<v insimbi>insimbi submits each payment on its network and captures on the rail result.
[Settle: checked by network; recorded by insimbi record]

i4
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<v insimbi>Every payment shows its network, the rule that chose it and its fee lines, so finance can model the next change.
[Record: checked by cost modelling; approved by shopper, via mandate; recorded by insimbi record]

end
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insimbi curates the right transaction, rails and record for every value movement. insimbi.net