fixed fee direction

api/gateway/aurora/README.md

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+# Aurora Gateway – Simulated Card Payouts
+
+Aurora is a dev/test-only card payout gateway with the same gRPC contract as `mntx`, but it never sends real funds.
+
+## Runtime entry points
+- gRPC: `MntxGatewayService.CreateCardPayout`, `CreateCardTokenPayout`, `CreateCardToken`, `GetCardPayoutStatus`, `ListGatewayInstances`
+- Callback HTTP server (optional): `:8084/aurora/callback`
+- Metrics: Prometheus on `:9405/metrics`
+
+## Behavior
+- Card payouts are resolved locally by PAN scenario mapping.
+- Token payouts resolve the scenario from the tokenized PAN (or fallback to masked PAN last4).
+- No outbound payout/tokenization HTTP calls are made.
+
+## Built-in test cards
+- `2200001111111111`: approved instantly (`success`, code `00`)
+- `2200002222222222`: pending issuer review (`waiting`, code `P01`)
+- `2200003333333333`: insufficient funds (`failed`, code `51`)
+- `2200004444444444`: issuer unavailable retryable (`failed`, code `10101`)
+- `2200005555555555`: stolen card (`failed`, code `43`)
+- `2200006666666666`: do not honor (`failed`, code `05`)
+- `2200007777777777`: expired card (`failed`, code `54`)
+- any other PAN: default queued processing (`waiting`, code `P00`)
+
+## Notes
+- PAN is masked in logs.
+- Provider settings should be configured under `aurora:` (legacy `mcards:` key is still accepted for backward compatibility).
+- `gateway.id` defaults to `mcards` to preserve orchestrator compatibility.