fixed fee direction

api/gateway/aurora/SCENARIOS.md

@@ -0,0 +1,37 @@
+# Aurora Test Card Scenarios
+
+Aurora is a simulated card payout gateway for dev/test.  
+It does not move real funds; results are determined by PAN scenario mapping.
+
+## Status/response fields
+- `accepted`: whether submit is accepted by the gateway workflow
+- `status`: payout state returned/stored (`SUCCESS`, `WAITING`, `FAILED`)
+- `code`: simulated provider code
+- `message`: simulated provider message
+
+## PAN scenarios
+
+| PAN | Scenario | accepted | status | code | message |
+|---|---|---:|---|---|---|
+| `2200001111111111` | approved_instant | `true` | `SUCCESS` | `00` | Approved by issuer |
+| `2200002222222222` | pending_issuer_review | `true` | `WAITING` | `P01` | Pending issuer review |
+| `2200003333333333` | insufficient_funds | `false` | `FAILED` | `51` | Insufficient funds |
+| `2200004444444444` | issuer_unavailable_retryable | `false` on provider response, but submit is retried | starts `WAITING`, may end `FAILED` after retries | `10101` | Issuer temporary unavailable, retry later |
+| `2200005555555555` | stolen_card | `false` | `FAILED` | `43` | Stolen card, pickup |
+| `2200006666666666` | do_not_honor | `false` | `FAILED` | `05` | Do not honor |
+| `2200007777777777` | expired_card | `false` | `FAILED` | `54` | Expired card |
+| `2200008888888888` | provider_timeout_transport | transport failure (no provider acceptance) | starts `WAITING` (retry scheduled), may end `FAILED` | n/a (transport error path) | provider timeout while calling payout endpoint |
+| `2200009999999998` | provider_unreachable_transport | transport failure (no provider acceptance) | starts `WAITING` (retry scheduled), may end `FAILED` | n/a (transport error path) | provider host unreachable |
+| `2200009999999997` | provider_maintenance | `false` | `FAILED` | `91` | Issuer or switch is inoperative |
+| `2200009999999996` | provider_system_malfunction | `false` | `FAILED` | `96` | System malfunction |
+
+## Default behavior
+- Any PAN not listed above -> `default_processing`
+  - `accepted=true`
+  - `status=WAITING`
+  - `code=P00`
+  - `message=Queued for provider processing`
+
+## Token payout behavior
+- If payout uses a known Aurora token, scenario is resolved from the PAN used during tokenization.
+- If token is unknown, Aurora falls back to `masked_pan` last4 matching when available.