# NIVRA — Payments, Plans and Creator Payouts

## MVP payment rail
The initial rail is manual PIX using the configured recipient key. Each purchase has a unique NIVRA order/reference and PIX Copia e Cola payload with the amount.

Flow: order → PIX → user uploads proof → Master checks actual bank receipt → Master confirms → digital access/plan is released.

A proof image is not treated as payment confirmation by itself.

## What NIVRA checkout may charge
- creator Pro/Black platform plans;
- paid Private posts/content;
- creator digital products;
- accepted custom digital-content requests;
- digital tips/mimos.

NIVRA checkout must not be repurposed to collect or split payment for an in-person sexual encounter.

## Plans in 1.2.0
Default values (editable in Master):
- Free: R$ 0; up to 8 media items; 15% digital platform fee;
- Pro: R$ 49.90 / 30 days; up to 30 media items; 13% digital fee; higher discovery priority;
- Black: R$ 99.90 / 30 days; up to 80 media items; 10% digital fee; highest eligible discovery priority.

Renewal is manual. `auto_renew` is disabled in the MVP. This design intentionally addresses the common consumer pain point of unexpected renewal/cancellation friction.

## Payouts
Digital sales record gross amount, platform fee and creator net. Creator payout requests use the private PIX key stored for the account. Master records payout completion for reconciliation/audit.

## Future PSPs
Do not activate card/recurring integrations merely because an API is available. Obtain explicit written approval from the future payment provider/acquirer for the actual adult-business model and product flows before integration.