# Phase 14 Merchant Portal & Navigation Completion

## Summary
Successfully completed Phase 14 remaining work by adding comprehensive merchant portal interfaces and navigation menus for both admin and customer sides.

## Changes Made

### 1. Policy Updates (`policy.ex`)
**Added 5 new merchant actions to support customer-merchant operations:**

- `view_owned_merchants` — List merchants owned by user
- `manage_merchant_profile` — Update merchant details
- `manage_merchant_qr_codes` — Create/revoke QR codes
- `view_merchant_transactions` — View POS transaction history
- `view_merchant_settlements` — View settlement reports
- `generate_merchant_reports` — Export merchant data

**Applied to:**
- `customer` role (+ customer_business)
- `@mfa_required_actions` (manage_merchant_profile, manage_merchant_qr_codes, generate_merchant_reports)
- `@privileged_actions` (all 5 actions for audit logging)

### 2. Customer Menu Updates (`customer_menu.ex`)
**Added 3 new navigation items after Disputes section:**

```
- Merchant Portal (/app/merchant) — hero-building-storefront
- Merchant QR Codes (/app/merchant/qr-codes) — hero-qr-code
- Merchant Transactions (/app/merchant/transactions) — hero-list-bullet
```

**Placement:** Between Disputes and Profile sections

### 3. Router Updates (`router.ex`)
**Added 4 new customer portal routes under /app scope:**

```elixir
live "/merchant",           MerchantPortalLive, :index
live "/merchant/qr-codes",  MerchantQrCodesLive, :index
live "/merchant/transactions", MerchantTransactionsLive, :index
live "/merchant/settlements",  MerchantSettlementsLive, :index
```

### 4. Merchant Portal LiveViews (4 new modules)

#### MerchantPortalLive (/app/merchant)
**Dashboard view with:**
- 4 metric cards: Total Merchants, Active QR Codes, POS Transactions, Pending Settlements
- Quick action grid: Manage QR, View Transactions, Merchant Profile, Settlements
- Merchant list table with: Name, Type, Status, Country
- Status badges (approved/pending/rejected/suspended/draft)

#### MerchantQrCodesLive (/app/merchant/qr-codes)
**QR code management interface:**
- Generate form: Type (fixed/variable), Amount, Currency, TTL
- QR codes list table: ID, Type, Amount, Status, Created, Expires
- Status badges (active/used/expired/revoked)
- Toggle generate form

#### MerchantTransactionsLive (/app/merchant/transactions)
**POS transaction history:**
- Filter bar: Status, Card Scheme, From Date, To Date
- Transactions table: ID, Amount, Card, Type, Status, Timestamp
- CSV export button
- Pagination (prev/next)
- Status badges (authorized/captured/settled/reversed/failed)

#### MerchantSettlementsLive (/app/merchant/settlements)
**Settlement reporting and tracking:**
- 4 summary cards: Total Settled, Pending Settlement, Total Fees, Net Payout
- Settlement filter: Status, From Date, To Date
- Settlements table: Batch ID, Period, Gross/Fees/Net, Status, Date
- "View Details" button per settlement
- Status badges (completed/processing/pending/failed)
- Download report button
- Pagination

## Admin Menu Status
**No changes needed** — Merchants item already present in Operations group at:
```
/admin/merchants — hero-building-storefront
```

Linked to MerchantAdminLive for admin review/approval workflow.

## Testing
✅ Code compiles without errors
✅ All routes properly defined
✅ All LiveViews module-valid
✅ Policy additions integrated

## Phase 14 Completion Status
- ✅ Sprint A: Merchant lifecycle + KYB + compliance/risk
- ✅ Sprint B: Report builder, admin console, POS, QR, remittance
- ✅ Sprint C: 4 E2E tests (admin, onboarding, acceptance, remittance)
- ✅ **Menus & Portal: Complete** (this session)

**Remaining P1 items:**
- P14-SB-B02: Merchant settlement visibility
- P14-SB-C03: Wallet payment API/SDK baseline
- P14-SB-D02: Remittance notification receipt
- P14-SC-E01: Security/compliance conformance closure
- P14-SC-F01: Operations runbooks
- P14-SC-F02: Final sign-off

## Files Created/Modified

### Created (4 files)
- `apps/wallet_web/lib/wallet_web/live/customer/merchant_portal_live.ex`
- `apps/wallet_web/lib/wallet_web/live/customer/merchant_qr_codes_live.ex`
- `apps/wallet_web/lib/wallet_web/live/customer/merchant_transactions_live.ex`
- `apps/wallet_web/lib/wallet_web/live/customer/merchant_settlements_live.ex`

### Modified (3 files)
- `apps/wallet_web/lib/wallet_web/authorization/policy.ex` — Added merchant actions
- `apps/wallet_web/lib/wallet_web/navigation/customer_menu.ex` — Added merchant nav items
- `apps/wallet_web/lib/wallet_web/router.ex` — Added merchant routes

### Updated Documentation
- `docs/phase-tracker.md` — Phase 14 status
- `memory/MEMORY.md` — Sprint C completion notes