Add NATS account-balance SoT and statement review for customers, CS, and sales

Internal billing now uses verae.billing.* request-reply and pubs. zappier-account-balance tracks prepaid, credits, usage, and payments. Portal, admin, CS, and sales all review the same statement. Independent Forgejo repos stay split via push-module-repos.

docs/sphinx/repos/overview.md

@@ -3,6 +3,7 @@
 High-level description of the whole system: what it is, which **independent git repositories** implement it, how it stays up, how it behaves when the local network fails, and how it talks to the **central Verae NATS.IO 3-server cluster**. New work is added by **new address routing**, not by teaching Zapier about NATS.
 
 **This repo:** https://git.georgelambert.org/marchon/overview  
+**Bring online:** https://zapier.georgelambert.org/packages/verae-ops/GETTING-STARTED.pdf  
 **Live catalog (PDF by default):** https://zapier.georgelambert.org/ · [Markdown indexes](https://zapier.georgelambert.org/index-md.html)  
 **Clone:** `ssh://git@git.georgelambert.org:2223/marchon/overview.git`
 

docs/sphinx/repos/verae-ops.md

@@ -11,6 +11,7 @@ This is the operations repo. Application code lives in the other independent git
 
 ## Reading order
 
+0. **[GETTING-STARTED.md](GETTING-STARTED.md)** — install, first-up, monitor (read this first)
 1. [01-dependencies.md](01-dependencies.md) — what must exist, who talks to whom
 2. [02-docker.md](02-docker.md) — Compose (NATS 3-node cluster + HTTPS edges)
 3. [03-proxmox.md](03-proxmox.md) — LXC / QEMU VMs

docs/sphinx/repos/zappier-account-balance.md

@@ -0,0 +1,31 @@
+# zappier-account-balance
+
+Source of truth for **customer prepaid balances**. Internal traffic is **NATS request-reply**; HTTP is health plus a fallback.
+
+**Forgejo:** https://git.georgelambert.org/marchon/zappier-account-balance  
+**Catalog:** https://zapier.georgelambert.org/packages/zappier-account-balance/README.pdf
+
+Zapier cloud never connects here. zappier-edge, customer-service, sales-pricing, and accounting-export do.
+
+## Subjects
+
+| Subject | Kind | Who |
+|---------|------|-----|
+| `verae.billing.statement.get` | request-reply | portal, CS, sales, admin |
+| `verae.billing.balance.get` | request-reply | anyone internal |
+| `verae.billing.balance.adjust` | request-reply | CS credits, portal reload |
+| `verae.billing.usage.recorded` | pub | zappier-edge meter |
+| `verae.billing.payment.recorded` | pub | portal reload, invoice paid |
+| `verae.billing.credit.applied` | pub | CS |
+
+Queue group: `account-balance`.
+
+## Run
+
+```bash
+NATS_URL=nats://127.0.0.1:4222 PORT=3010 npm start
+curl http://127.0.0.1:3010/health
+curl http://127.0.0.1:3010/statement/cust_1
+```
+
+Statement JSON: `{ customerId, prepaidCents, credits[], usage[], payments[] }`.

docs/sphinx/repos/zappier-accounting-export.md

@@ -0,0 +1,21 @@
+# zappier-accounting-export
+
+Accounting-department export of **invoices, billing, and payment history** to **QuickBooks IIF** and generic CSV (also usable in other ledgers).
+
+**Forgejo:** https://git.georgelambert.org/marchon/zappier-accounting-export  
+**Catalog:** https://zapier.georgelambert.org/packages/zappier-accounting-export/README.pdf
+
+Reads issued/paid invoices from zappier-edge (`ZAPPIER_ADMIN_URL`). Customer statements (credits, balances, usage, payments) come from NATS `verae.billing.statement.get`.
+
+Staff UI: http://127.0.0.1:3013/
+
+```bash
+PORT=3013 NATS_URL=nats://127.0.0.1:4222 node src/server.js
+curl http://127.0.0.1:3013/review/cust_1
+curl 'http://127.0.0.1:3013/export/quickbooks.iif?period=2026-07' -o zappier.iif
+curl 'http://127.0.0.1:3013/export/accounting.csv?period=2026-07' -o zappier.csv
+```
+
+Import the IIF in QuickBooks Desktop: **File → Utilities → Import → IIF**. The CSV is a flat invoice register for other systems.
+
+History is the invoice list on zappier-edge (draft / issued / paid) plus CS credit ledger and portal prepaid reloads.

docs/sphinx/repos/zappier-customer-service.md

@@ -0,0 +1,23 @@
+# zappier-customer-service
+
+Department API for **customer-service credit additions** and **review** of credits, balances, usage, and payments. Internally uses **NATS** `verae.billing.*` (account-balance). HTTP fallback to account-balance then zappier-edge.
+
+**Forgejo:** https://git.georgelambert.org/marchon/zappier-customer-service  
+**Catalog:** https://zapier.georgelambert.org/packages/zappier-customer-service/README.pdf  
+**Plugs into:** zappier-edge admin (`x-admin-key`) at `ZAPPIER_ADMIN_URL` (default `http://127.0.0.1:3000`).
+
+```bash
+PORT=3011 ZAPPIER_ADMIN_URL=http://127.0.0.1:3000 node src/server.js
+curl -X POST http://127.0.0.1:3011/credits -H 'content-type: application/json' \
+  -d '{"customerId":"cust_1","cents":500,"reason":"goodwill","agent":"cs-anna"}'
+```
+
+| Route | Job |
+|-------|-----|
+| `GET /` | Staff review UI |
+| `GET /health` | `{ ok, role }` |
+| `POST /credits` | Add/subtract prepaid cents (NATS `balance.adjust`) |
+| `GET /credits?customerId=` | Ledger |
+| `GET /review/:customerId` | Full statement (balance, credits, usage, payments) |
+
+Talks to NATS `verae.billing.*` internally. Never talks to Zapier cloud.

docs/sphinx/repos/zappier-sales-pricing.md

@@ -0,0 +1,19 @@
+# zappier-sales-pricing
+
+Sales-department API for **per-customer pricing** (tier + `multiplierOverride`). zappier-edge remains the rate-card store.
+
+**Forgejo:** https://git.georgelambert.org/marchon/zappier-sales-pricing  
+**Catalog:** https://zapier.georgelambert.org/packages/zappier-sales-pricing/README.pdf
+
+Internal reviews use NATS `verae.billing.statement.get` (account-balance).
+
+Staff UI: http://127.0.0.1:3012/ — review credits, balances, usage, payments.
+
+```bash
+PORT=3012 NATS_URL=nats://127.0.0.1:4222 node src/server.js
+curl http://127.0.0.1:3012/review/cust_2
+curl http://127.0.0.1:3012/quotes/cust_2
+curl -X PUT http://127.0.0.1:3012/customers/cust_2/pricing \
+  -H 'content-type: application/json' \
+  -d '{"multiplierOverride":0.4,"tierId":"business"}'
+```

docs/sphinx/repos/zappier.md

@@ -5,8 +5,11 @@ monthly credits, a usage ledger, Stripe metered billing, purchase-order
 invoicing, a company admin console, a self-service customer portal, and a
 Zapier integration.
 
+This is the **billing and user platform** (originally the standalone `zappier` git tree at `~/zappier`). Forgejo name: **zappier-edge**. It owns signup, TOTP, API keys, rate card, Stripe meter, PO invoices, admin users, and the customer portal. Verae middleware does not replace this.
+
 **Forgejo:** https://git.georgelambert.org/marchon/zappier-edge  
-**Catalog README:** https://zapier.georgelambert.org/packages/zappier/README.pdf
+**Catalog README:** https://zapier.georgelambert.org/packages/zappier/README.pdf  
+**Bring the whole system online:** https://zapier.georgelambert.org/packages/verae-ops/GETTING-STARTED.pdf
 
 ## Documentation (public PDFs)