payment quotation v2 + payment orchestration v2 draft

api/payments/storage/go.mod

@@ -5,6 +5,7 @@ go 1.25.7
 replace github.com/tech/sendico/pkg => ../../pkg
 
 require (
+	github.com/shopspring/decimal v1.4.0
 	github.com/tech/sendico/pkg v0.1.0
 	go.mongodb.org/mongo-driver/v2 v2.5.0
 	go.uber.org/zap v1.27.1

api/payments/storage/go.sum

@@ -91,6 +91,8 @@ github.com/shirou/gopsutil/v3 v3.24.5 h1:i0t8kL+kQTvpAYToeuiVk3TgDeKOFioZO3Ztz/i
 github.com/shirou/gopsutil/v3 v3.24.5/go.mod h1:bsoOS1aStSs9ErQ1WWfxllSeS1K5D+U30r2NfcubMVk=
 github.com/shoenig/go-m1cpu v0.1.6 h1:nxdKQNcEB6vzgA2E2bvzKIYRuNj7XNJ4S/aRSwKzFtM=
 github.com/shoenig/go-m1cpu v0.1.6/go.mod h1:1JJMcUBvfNwpq05QDQVAnx3gUHr9IYF7GNg9SUEw2VQ=
+github.com/shopspring/decimal v1.4.0 h1:bxl37RwXBklmTi0C79JfXCEBD1cqqHt0bbgBAGFp81k=
+github.com/shopspring/decimal v1.4.0/go.mod h1:gawqmDU56v4yIKSwfBSFip1HdCCXN8/+DMd9qYNcwME=
 github.com/sirupsen/logrus v1.9.3 h1:dueUQJ1C2q9oE3F7wvmSGAaVtTmUizReu6fjN8uqzbQ=
 github.com/sirupsen/logrus v1.9.3/go.mod h1:naHLuLoDiP4jHNo9R0sCBMtWGeIprob74mVsIT4qYEQ=
 github.com/stretchr/objx v0.5.2 h1:xuMeJ0Sdp5ZMRXx/aWO6RZxdr3beISkG5/G/aIRr3pY=

api/payments/storage/model/gateway_eligibility.go

@@ -0,0 +1,224 @@
+package model
+
+import (
+	"fmt"
+	"strings"
+
+	"github.com/shopspring/decimal"
+)
+
+type GatewayDirection int
+
+const (
+	GatewayDirectionAny GatewayDirection = iota
+	GatewayDirectionOut
+	GatewayDirectionIn
+)
+
+func (d GatewayDirection) String() string {
+	switch d {
+	case GatewayDirectionOut:
+		return "out"
+	case GatewayDirectionIn:
+		return "in"
+	default:
+		return "any"
+	}
+}
+
+func NoEligibleGatewayMessage(network, currency string, action RailOperation, dir GatewayDirection) string {
+	return fmt.Sprintf(
+		"plan builder: no eligible gateway found for %s %s %s for direction %s",
+		strings.ToUpper(strings.TrimSpace(network)),
+		strings.ToUpper(strings.TrimSpace(currency)),
+		ParseRailOperation(string(action)),
+		dir.String(),
+	)
+}
+
+func IsGatewayEligible(
+	gw *GatewayInstanceDescriptor,
+	rail Rail,
+	network, currency string,
+	action RailOperation,
+	dir GatewayDirection,
+	amount decimal.Decimal,
+) error {
+	if gw == nil {
+		return gatewayIneligible(gw, "gateway instance is required")
+	}
+	if !gw.IsEnabled {
+		return gatewayIneligible(gw, "gateway instance is disabled")
+	}
+	if gw.Rail != rail {
+		return gatewayIneligible(gw, fmt.Sprintf("rail mismatch: want %s got %s", rail, gw.Rail))
+	}
+	if network != "" && gw.Network != "" && !strings.EqualFold(gw.Network, network) {
+		return gatewayIneligible(gw, fmt.Sprintf("network mismatch: want %s got %s", network, gw.Network))
+	}
+	if currency != "" && len(gw.Currencies) > 0 {
+		found := false
+		for _, c := range gw.Currencies {
+			if strings.EqualFold(c, currency) {
+				found = true
+				break
+			}
+		}
+		if !found {
+			return gatewayIneligible(gw, "currency not supported: "+currency)
+		}
+	}
+
+	if !gatewayAllowsAction(gw.Operations, gw.Capabilities, action, dir) {
+		return gatewayIneligible(gw, fmt.Sprintf("gateway does not allow action=%s dir=%s", action, dir.String()))
+	}
+
+	if currency != "" {
+		if err := amountWithinLimits(gw, gw.Limits, currency, amount, action); err != nil {
+			return err
+		}
+	}
+	return nil
+}
+
+type gatewayIneligibleError struct {
+	reason string
+}
+
+func (e gatewayIneligibleError) Error() string {
+	return e.reason
+}
+
+func gatewayIneligible(gw *GatewayInstanceDescriptor, reason string) error {
+	if strings.TrimSpace(reason) == "" {
+		reason = "gateway instance is not eligible"
+	}
+	instanceID := ""
+	if gw != nil {
+		instanceID = gw.InstanceID
+	}
+	return gatewayIneligibleError{reason: fmt.Sprintf("gateway %s eligibility check error: %s", instanceID, reason)}
+}
+
+func gatewayAllowsAction(operations []RailOperation, cap RailCapabilities, action RailOperation, dir GatewayDirection) bool {
+	normalized := NormalizeRailOperations(operations)
+	if len(normalized) > 0 {
+		return operationsAllowAction(normalized, action, dir)
+	}
+	return capabilityAllowsAction(cap, action, dir)
+}
+
+func capabilityAllowsAction(cap RailCapabilities, action RailOperation, dir GatewayDirection) bool {
+	switch action {
+	case RailOperationSend:
+		switch dir {
+		case GatewayDirectionOut:
+			return cap.CanPayOut
+		case GatewayDirectionIn:
+			return cap.CanPayIn
+		default:
+			return cap.CanPayIn || cap.CanPayOut
+		}
+	case RailOperationExternalDebit, RailOperationExternalCredit:
+		switch dir {
+		case GatewayDirectionOut:
+			return cap.CanPayOut
+		case GatewayDirectionIn:
+			return cap.CanPayIn
+		default:
+			return cap.CanPayIn || cap.CanPayOut
+		}
+	case RailOperationFee:
+		return cap.CanSendFee
+	case RailOperationObserveConfirm:
+		return cap.RequiresObserveConfirm
+	case RailOperationBlock:
+		return cap.CanBlock
+	case RailOperationRelease:
+		return cap.CanRelease
+	default:
+		return true
+	}
+}
+
+func operationsAllowAction(operations []RailOperation, action RailOperation, dir GatewayDirection) bool {
+	action = ParseRailOperation(string(action))
+	if action == RailOperationUnspecified {
+		return false
+	}
+
+	if HasRailOperation(operations, action) {
+		return true
+	}
+
+	switch action {
+	case RailOperationSend:
+		switch dir {
+		case GatewayDirectionIn:
+			return HasRailOperation(operations, RailOperationExternalDebit)
+		case GatewayDirectionOut:
+			return HasRailOperation(operations, RailOperationExternalCredit)
+		default:
+			return HasRailOperation(operations, RailOperationExternalDebit) ||
+				HasRailOperation(operations, RailOperationExternalCredit)
+		}
+	case RailOperationExternalDebit:
+		return HasRailOperation(operations, RailOperationSend)
+	case RailOperationExternalCredit:
+		return HasRailOperation(operations, RailOperationSend)
+	default:
+		return false
+	}
+}
+
+func amountWithinLimits(gw *GatewayInstanceDescriptor, limits Limits, currency string, amount decimal.Decimal, action RailOperation) error {
+	min := firstLimitValue(limits.MinAmount, "")
+	max := firstLimitValue(limits.MaxAmount, "")
+	perTxMin := firstLimitValue(limits.PerTxMinAmount, "")
+	perTxMax := firstLimitValue(limits.PerTxMaxAmount, "")
+	maxFee := firstLimitValue(limits.PerTxMaxFee, "")
+
+	if override, ok := limits.CurrencyLimits[currency]; ok {
+		min = firstLimitValue(override.MinAmount, min)
+		max = firstLimitValue(override.MaxAmount, max)
+		if action == RailOperationFee {
+			maxFee = firstLimitValue(override.MaxFee, maxFee)
+		}
+	}
+
+	if min != "" {
+		if val, err := decimal.NewFromString(min); err == nil && amount.LessThan(val) {
+			return gatewayIneligible(gw, fmt.Sprintf("amount %s %s below min limit %s", amount.String(), currency, val.String()))
+		}
+	}
+	if perTxMin != "" {
+		if val, err := decimal.NewFromString(perTxMin); err == nil && amount.LessThan(val) {
+			return gatewayIneligible(gw, fmt.Sprintf("amount %s %s below per-tx min limit %s", amount.String(), currency, val.String()))
+		}
+	}
+	if max != "" {
+		if val, err := decimal.NewFromString(max); err == nil && amount.GreaterThan(val) {
+			return gatewayIneligible(gw, fmt.Sprintf("amount %s %s exceeds max limit %s", amount.String(), currency, val.String()))
+		}
+	}
+	if perTxMax != "" {
+		if val, err := decimal.NewFromString(perTxMax); err == nil && amount.GreaterThan(val) {
+			return gatewayIneligible(gw, fmt.Sprintf("amount %s %s exceeds per-tx max limit %s", amount.String(), currency, val.String()))
+		}
+	}
+	if action == RailOperationFee && maxFee != "" {
+		if val, err := decimal.NewFromString(maxFee); err == nil && amount.GreaterThan(val) {
+			return gatewayIneligible(gw, fmt.Sprintf("fee amount %s %s exceeds max fee limit %s", amount.String(), currency, val.String()))
+		}
+	}
+
+	return nil
+}
+
+func firstLimitValue(primary, fallback string) string {
+	val := strings.TrimSpace(primary)
+	if val != "" {
+		return val
+	}
+	return strings.TrimSpace(fallback)
+}

api/payments/storage/model/gateway_eligibility_test.go

@@ -0,0 +1,49 @@
+package model
+
+import (
+	"testing"
+
+	"github.com/shopspring/decimal"
+)
+
+func TestIsGatewayEligible_AllowsMatchingGateway(t *testing.T) {
+	gw := &GatewayInstanceDescriptor{
+		ID:         "gw-1",
+		InstanceID: "inst-1",
+		Rail:       RailCrypto,
+		Network:    "TRON",
+		Currencies: []string{"USDT"},
+		Operations: []RailOperation{RailOperationSend, RailOperationExternalCredit},
+		IsEnabled:  true,
+	}
+
+	err := IsGatewayEligible(gw, RailCrypto, "TRON", "USDT", RailOperationSend, GatewayDirectionOut, decimal.RequireFromString("10"))
+	if err != nil {
+		t.Fatalf("expected gateway to be eligible, got err=%v", err)
+	}
+}
+
+func TestIsGatewayEligible_RejectsNetworkMismatch(t *testing.T) {
+	gw := &GatewayInstanceDescriptor{
+		ID:         "gw-1",
+		InstanceID: "inst-1",
+		Rail:       RailCrypto,
+		Network:    "ETH",
+		Currencies: []string{"USDT"},
+		Operations: []RailOperation{RailOperationSend},
+		IsEnabled:  true,
+	}
+
+	err := IsGatewayEligible(gw, RailCrypto, "TRON", "USDT", RailOperationSend, GatewayDirectionOut, decimal.RequireFromString("10"))
+	if err == nil {
+		t.Fatalf("expected network mismatch error")
+	}
+}
+
+func TestNoEligibleGatewayMessage(t *testing.T) {
+	got := NoEligibleGatewayMessage("tron", "usdt", RailOperationSend, GatewayDirectionOut)
+	want := "plan builder: no eligible gateway found for TRON USDT SEND for direction out"
+	if got != want {
+		t.Fatalf("unexpected message: got=%q want=%q", got, want)
+	}
+}

api/payments/storage/model/payment.go

@@ -139,6 +139,7 @@ type GatewayInstanceDescriptor struct {
 	Network      string           `bson:"network,omitempty" json:"network,omitempty"`
 	InvokeURI    string           `bson:"invokeUri,omitempty" json:"invokeUri,omitempty"`
 	Currencies   []string         `bson:"currencies,omitempty" json:"currencies,omitempty"`
+	Operations   []RailOperation  `bson:"operations,omitempty" json:"operations,omitempty"`
 	Capabilities RailCapabilities `bson:"capabilities,omitempty" json:"capabilities,omitempty"`
 	Limits       Limits           `bson:"limits,omitempty" json:"limits,omitempty"`
 	Version      string           `bson:"version,omitempty" json:"version,omitempty"`
@@ -305,18 +306,18 @@ type PaymentPlan struct {
 
 // ExecutionStep describes a planned or executed payment step for reporting.
 type ExecutionStep struct {
-	Code            string              `bson:"code,omitempty" json:"code,omitempty"`
-	Description     string              `bson:"description,omitempty" json:"description,omitempty"`
-	Amount          *paymenttypes.Money `bson:"amount,omitempty" json:"amount,omitempty"`
-	NetworkFee      *paymenttypes.Money `bson:"networkFee,omitempty" json:"networkFee,omitempty"`
-	SourceWalletRef string              `bson:"sourceWalletRef,omitempty" json:"sourceWalletRef,omitempty"`
-	DestinationRef  string              `bson:"destinationRef,omitempty" json:"destinationRef,omitempty"`
-	TransferRef     string              `bson:"transferRef,omitempty" json:"transferRef,omitempty"`
-	OperationRef    string              `bson:"operationRef,omitempty" json:"operationRef,omitempty"`
-	ReportVisibility ReportVisibility   `bson:"reportVisibility,omitempty" json:"reportVisibility,omitempty"`
-	Error           string              `bson:"error,omitempty" json:"error,omitempty"`
-	State           OperationState      `bson:"state,omitempty" json:"state,omitempty"`
-	Metadata        map[string]string   `bson:"metadata,omitempty" json:"metadata,omitempty"`
+	Code             string              `bson:"code,omitempty" json:"code,omitempty"`
+	Description      string              `bson:"description,omitempty" json:"description,omitempty"`
+	Amount           *paymenttypes.Money `bson:"amount,omitempty" json:"amount,omitempty"`
+	NetworkFee       *paymenttypes.Money `bson:"networkFee,omitempty" json:"networkFee,omitempty"`
+	SourceWalletRef  string              `bson:"sourceWalletRef,omitempty" json:"sourceWalletRef,omitempty"`
+	DestinationRef   string              `bson:"destinationRef,omitempty" json:"destinationRef,omitempty"`
+	TransferRef      string              `bson:"transferRef,omitempty" json:"transferRef,omitempty"`
+	OperationRef     string              `bson:"operationRef,omitempty" json:"operationRef,omitempty"`
+	ReportVisibility ReportVisibility    `bson:"reportVisibility,omitempty" json:"reportVisibility,omitempty"`
+	Error            string              `bson:"error,omitempty" json:"error,omitempty"`
+	State            OperationState      `bson:"state,omitempty" json:"state,omitempty"`
+	Metadata         map[string]string   `bson:"metadata,omitempty" json:"metadata,omitempty"`
 }
 
 func (s *ExecutionStep) IsTerminal() bool {

api/payments/storage/model/rail_operations.go

@@ -0,0 +1,93 @@
+package model
+
+import "strings"
+
+var supportedRailOperations = map[RailOperation]struct{}{
+	RailOperationDebit:          {},
+	RailOperationCredit:         {},
+	RailOperationExternalDebit:  {},
+	RailOperationExternalCredit: {},
+	RailOperationMove:           {},
+	RailOperationSend:           {},
+	RailOperationFee:            {},
+	RailOperationObserveConfirm: {},
+	RailOperationFXConvert:      {},
+	RailOperationBlock:          {},
+	RailOperationRelease:        {},
+}
+
+// ParseRailOperation canonicalizes string values into a RailOperation token.
+func ParseRailOperation(value string) RailOperation {
+	clean := strings.ToUpper(strings.TrimSpace(value))
+	if clean == "" {
+		return RailOperationUnspecified
+	}
+	return RailOperation(clean)
+}
+
+// IsSupportedRailOperation reports whether op is recognized by payment planning.
+func IsSupportedRailOperation(op RailOperation) bool {
+	_, ok := supportedRailOperations[ParseRailOperation(string(op))]
+	return ok
+}
+
+// NormalizeRailOperations trims, uppercases, deduplicates, and filters unknown values.
+func NormalizeRailOperations(values []RailOperation) []RailOperation {
+	if len(values) == 0 {
+		return nil
+	}
+	result := make([]RailOperation, 0, len(values))
+	seen := map[RailOperation]bool{}
+	for _, value := range values {
+		op := ParseRailOperation(string(value))
+		if op == RailOperationUnspecified || !IsSupportedRailOperation(op) || seen[op] {
+			continue
+		}
+		seen[op] = true
+		result = append(result, op)
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
+// NormalizeRailOperationStrings normalizes string operation values.
+func NormalizeRailOperationStrings(values []string) []RailOperation {
+	if len(values) == 0 {
+		return nil
+	}
+	ops := make([]RailOperation, 0, len(values))
+	for _, value := range values {
+		ops = append(ops, ParseRailOperation(value))
+	}
+	return NormalizeRailOperations(ops)
+}
+
+// HasRailOperation checks whether ops includes action.
+func HasRailOperation(ops []RailOperation, action RailOperation) bool {
+	want := ParseRailOperation(string(action))
+	if want == RailOperationUnspecified {
+		return false
+	}
+	for _, op := range ops {
+		if ParseRailOperation(string(op)) == want {
+			return true
+		}
+	}
+	return false
+}
+
+// RailCapabilitiesFromOperations derives legacy capability flags from explicit operations.
+func RailCapabilitiesFromOperations(ops []RailOperation) RailCapabilities {
+	normalized := NormalizeRailOperations(ops)
+	return RailCapabilities{
+		CanPayIn:               HasRailOperation(normalized, RailOperationExternalDebit),
+		CanPayOut:              HasRailOperation(normalized, RailOperationSend) || HasRailOperation(normalized, RailOperationExternalCredit),
+		CanReadBalance:         false,
+		CanSendFee:             HasRailOperation(normalized, RailOperationFee),
+		RequiresObserveConfirm: HasRailOperation(normalized, RailOperationObserveConfirm),
+		CanBlock:               HasRailOperation(normalized, RailOperationBlock),
+		CanRelease:             HasRailOperation(normalized, RailOperationRelease),
+	}
+}

api/payments/storage/model/rail_operations_test.go

@@ -0,0 +1,65 @@
+package model
+
+import "testing"
+
+func TestNormalizeRailOperations(t *testing.T) {
+	ops := NormalizeRailOperations([]RailOperation{
+		"send",
+		"SEND",
+		" external_credit ",
+		"unknown",
+		"",
+	})
+	if len(ops) != 2 {
+		t.Fatalf("unexpected operations count: got=%d want=2", len(ops))
+	}
+	if ops[0] != RailOperationSend {
+		t.Fatalf("unexpected first operation: got=%q want=%q", ops[0], RailOperationSend)
+	}
+	if ops[1] != RailOperationExternalCredit {
+		t.Fatalf("unexpected second operation: got=%q want=%q", ops[1], RailOperationExternalCredit)
+	}
+}
+
+func TestHasRailOperation(t *testing.T) {
+	ops := []RailOperation{RailOperationSend, RailOperationExternalCredit}
+	if !HasRailOperation(ops, RailOperationSend) {
+		t.Fatalf("expected send operation to be present")
+	}
+	if !HasRailOperation(ops, " external_credit ") {
+		t.Fatalf("expected external credit operation to be present")
+	}
+	if HasRailOperation(ops, RailOperationObserveConfirm) {
+		t.Fatalf("did not expect observe confirm operation to be present")
+	}
+}
+
+func TestRailCapabilitiesFromOperations(t *testing.T) {
+	cap := RailCapabilitiesFromOperations([]RailOperation{
+		RailOperationExternalDebit,
+		RailOperationExternalCredit,
+		RailOperationFee,
+		RailOperationObserveConfirm,
+		RailOperationBlock,
+		RailOperationRelease,
+	})
+
+	if !cap.CanPayIn {
+		t.Fatalf("expected can pay in to be true")
+	}
+	if !cap.CanPayOut {
+		t.Fatalf("expected can pay out to be true")
+	}
+	if !cap.CanSendFee {
+		t.Fatalf("expected can send fee to be true")
+	}
+	if !cap.RequiresObserveConfirm {
+		t.Fatalf("expected requires observe confirm to be true")
+	}
+	if !cap.CanBlock {
+		t.Fatalf("expected can block to be true")
+	}
+	if !cap.CanRelease {
+		t.Fatalf("expected can release to be true")
+	}
+}

api/payments/storage/mongo/repository.go

@@ -16,6 +16,7 @@ import (
 	"github.com/tech/sendico/pkg/mlogger"
 	"github.com/tech/sendico/pkg/mservice"
 	"go.mongodb.org/mongo-driver/v2/bson"
+	"go.mongodb.org/mongo-driver/v2/mongo"
 )
 
 // Store implements storage.Repository backed by MongoDB.
@@ -23,6 +24,7 @@ type Store struct {
 	logger mlogger.Logger
 	ping   func(context.Context) error
 
+	database *mongo.Database
 	payments storage.PaymentsStore
 	methods  storage.PaymentMethodsStore
 	quotes   quotestorage.QuotesStore
@@ -71,17 +73,18 @@ func New(logger mlogger.Logger, conn *db.MongoConnection, opts ...Option) (*Stor
 	plansRepo := repository.CreateMongoRepository(conn.Database(), (&model.PaymentPlanTemplate{}).Collection())
 	methodsRepo := repository.CreateMongoRepository(conn.Database(), mservice.PaymentMethods)
 
-	return newWithRepository(logger, conn.Ping, paymentsRepo, methodsRepo, quotesRepo, routesRepo, plansRepo, opts...)
+	return newWithRepository(logger, conn.Ping, conn.Database(), paymentsRepo, methodsRepo, quotesRepo, routesRepo, plansRepo, opts...)
 }
 
 // NewWithRepository constructs a payments repository using the provided primitives.
 func NewWithRepository(logger mlogger.Logger, ping func(context.Context) error, paymentsRepo repository.Repository, quotesRepo repository.Repository, routesRepo repository.Repository, plansRepo repository.Repository, opts ...Option) (*Store, error) {
-	return newWithRepository(logger, ping, paymentsRepo, nil, quotesRepo, routesRepo, plansRepo, opts...)
+	return newWithRepository(logger, ping, nil, paymentsRepo, nil, quotesRepo, routesRepo, plansRepo, opts...)
 }
 
 func newWithRepository(
 	logger mlogger.Logger,
 	ping func(context.Context) error,
+	database *mongo.Database,
 	paymentsRepo, methodsRepo, quotesRepo, routesRepo, plansRepo repository.Repository,
 	opts ...Option,
 ) (*Store, error) {
@@ -147,6 +150,7 @@ func newWithRepository(
 	result := &Store{
 		logger:   childLogger,
 		ping:     ping,
+		database: database,
 		payments: paymentsStore,
 		methods:  methodsStore,
 		quotes:   quotesRepoStore.Quotes(),
@@ -190,4 +194,12 @@ func (s *Store) PlanTemplates() storage.PlanTemplatesStore {
 	return s.plans
 }
 
+// MongoDatabase returns underlying Mongo database when available.
+func (s *Store) MongoDatabase() *mongo.Database {
+	if s == nil {
+		return nil
+	}
+	return s.database
+}
+
 var _ storage.Repository = (*Store)(nil)