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payment rails

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This commit is contained in:
Stephan D
2025-12-10 18:40:55 +01:00
parent 81d2db394b
commit 47899e25d4
39 changed files with 3043 additions and 909 deletions
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54
api/proto/payments/orchestrator/v1/orchestrator.proto
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@@ -11,6 +11,7 @@ import "common/trace/v1/trace.proto";
import "common/pagination/v1/cursor.proto";
import "billing/fees/v1/fees.proto";
import "gateway/chain/v1/chain.proto";
import "gateway/mntx/v1/mntx.proto";
import "oracle/v1/oracle.proto";
enum PaymentKind {
@@ -20,6 +21,13 @@ enum PaymentKind {
PAYMENT_KIND_FX_CONVERSION = 3;
}
// SettlementMode defines how to treat fees/FX variance for payouts.
enum SettlementMode {
SETTLEMENT_MODE_UNSPECIFIED = 0;
SETTLEMENT_MODE_FIX_SOURCE = 1; // customer pays fees; sent amount fixed
SETTLEMENT_MODE_FIX_RECEIVED = 2; // receiver gets fixed amount; source flexes
}
enum PaymentState {
PAYMENT_STATE_UNSPECIFIED = 0;
PAYMENT_STATE_ACCEPTED = 1;
@@ -61,11 +69,25 @@ message ExternalChainEndpoint {
string memo = 3;
}
// Card payout destination.
message CardEndpoint {
oneof card {
string pan = 1; // raw PAN
string token = 2; // network or gateway-issued token
}
string cardholder_name = 3;
uint32 exp_month = 4;
uint32 exp_year = 5;
string country = 6;
string masked_pan = 7;
}
message PaymentEndpoint {
oneof endpoint {
LedgerEndpoint ledger = 1;
ManagedWalletEndpoint managed_wallet = 2;
ExternalChainEndpoint external_chain = 3;
CardEndpoint card = 4;
}
map<string, string> metadata = 10;
}
@@ -88,6 +110,7 @@ message PaymentIntent {
FXIntent fx = 6;
fees.v1.PolicyOverrides fee_policy = 7;
map<string, string> attributes = 8;
SettlementMode settlement_mode = 9;
}
message PaymentQuote {
@@ -107,6 +130,20 @@ message ExecutionRefs {
string credit_entry_ref = 2;
string fx_entry_ref = 3;
string chain_transfer_ref = 4;
string card_payout_ref = 5;
string fee_transfer_ref = 6;
}
// Card payout gateway tracking info.
message CardPayout {
string payout_ref = 1;
string provider_payment_id = 2;
string status = 3;
string failure_reason = 4;
string card_country = 5;
string masked_pan = 6;
string provider_code = 7;
string gateway_reference = 8;
}
message Payment {
@@ -121,6 +158,7 @@ message Payment {
map<string, string> metadata = 9;
google.protobuf.Timestamp created_at = 10;
google.protobuf.Timestamp updated_at = 11;
CardPayout card_payout = 12;
}
message QuotePaymentRequest {
@@ -138,10 +176,8 @@ message InitiatePaymentRequest {
RequestMeta meta = 1;
string idempotency_key = 2;
PaymentIntent intent = 3;
string fee_quote_token = 4;
string fx_quote_ref = 5;
map<string, string> metadata = 6;
string quote_ref = 7;
map<string, string> metadata = 4;
string quote_ref = 5;
}
message InitiatePaymentResponse {
@@ -198,6 +234,15 @@ message ProcessDepositObservedResponse {
Payment payment = 1;
}
message ProcessCardPayoutUpdateRequest {
RequestMeta meta = 1;
mntx.gateway.v1.CardPayoutStatusChangedEvent event = 2;
}
message ProcessCardPayoutUpdateResponse {
Payment payment = 1;
}
message InitiateConversionRequest {
RequestMeta meta = 1;
string idempotency_key = 2;
@@ -221,4 +266,5 @@ service PaymentOrchestrator {
rpc InitiateConversion(InitiateConversionRequest) returns (InitiateConversionResponse);
rpc ProcessTransferUpdate(ProcessTransferUpdateRequest) returns (ProcessTransferUpdateResponse);
rpc ProcessDepositObserved(ProcessDepositObservedRequest) returns (ProcessDepositObservedResponse);
rpc ProcessCardPayoutUpdate(ProcessCardPayoutUpdateRequest) returns (ProcessCardPayoutUpdateResponse);
}