Merge pull request 'mntx-#10' (#11) from mntx-#10 into main

Reviewed-on: #11
2025-12-04 20:51:30 +00:00
parent f439f53524 43c4866ad7
commit 668ade2014
47 changed files with 3877 additions and 3 deletions
--- a/.woodpecker/mntx_gateway.yml
+++ b/.woodpecker/mntx_gateway.yml
@@ -0,0 +1,74 @@
+matrix:
+  include:
+    - MNTX_GATEWAY_IMAGE_PATH: gateway/mntx
+      MNTX_GATEWAY_DOCKERFILE: ci/prod/compose/mntx_gateway.dockerfile
+      MNTX_GATEWAY_ENV: prod
+      MNTX_GATEWAY_MONETIX_SECRET_PATH: sendico/gateway/monetix
+      MNTX_GATEWAY_NATS_SECRET_PATH: sendico/nats
+
+when:
+  - event: push
+    branch: main
+
+steps:
+  - name: version
+    image: alpine:latest
+    commands:
+      - set -euo pipefail 2>/dev/null || set -eu
+      - apk add --no-cache git
+      - GIT_REV="$(git rev-parse --short HEAD)"
+      - BUILD_BRANCH="$(git rev-parse --abbrev-ref HEAD)"
+      - APP_V="$(cat version)"
+      - BUILD_DATE="$(date -u +%Y-%m-%dT%H:%M:%SZ)"
+      - BUILD_USER="${WOODPECKER_MACHINE:-woodpecker}"
+      - printf "GIT_REV=%s\nBUILD_BRANCH=%s\nAPP_V=%s\nBUILD_DATE=%s\nBUILD_USER=%s\n" \
+          "$GIT_REV" "$BUILD_BRANCH" "$APP_V" "$BUILD_DATE" "$BUILD_USER" | tee .env.version
+
+  - name: proto
+    image: golang:alpine
+    depends_on: [ version ]
+    commands:
+      - set -eu
+      - apk add --no-cache bash git build-base protoc protobuf-dev
+      - go install google.golang.org/protobuf/cmd/protoc-gen-go@latest
+      - go install google.golang.org/grpc/cmd/protoc-gen-go-grpc@latest
+      - export PATH="$(go env GOPATH)/bin:$PATH"
+      - bash ci/scripts/proto/generate.sh
+
+  - name: secrets
+    image: alpine:latest
+    depends_on: [ version ]
+    environment:
+      VAULT_ADDR: { from_secret: VAULT_ADDR }
+      VAULT_ROLE_ID:   { from_secret: VAULT_APP_ROLE }
+      VAULT_SECRET_ID: { from_secret: VAULT_SECRET_ID }
+    commands:
+      - set -euo pipefail
+      - apk add --no-cache bash coreutils openssh-keygen curl sed python3
+      - mkdir -p secrets
+      - ./ci/vlt kv_to_file kv ops/deploy/ssh_key private_b64 secrets/SSH_KEY.b64 600
+      - base64 -d secrets/SSH_KEY.b64 > secrets/SSH_KEY
+      - chmod 600 secrets/SSH_KEY
+      - ssh-keygen -y -f secrets/SSH_KEY >/dev/null
+      - ./ci/vlt kv_get kv registry user > secrets/REGISTRY_USER
+      - ./ci/vlt kv_get kv registry password > secrets/REGISTRY_PASSWORD
+
+  - name: build-image
+    image: gcr.io/kaniko-project/executor:debug
+    depends_on: [ proto, secrets ]
+    commands:
+      - sh ci/scripts/mntx/build-image.sh
+
+  - name: deploy
+    image: alpine:latest
+    depends_on: [ secrets, build-image ]
+    environment:
+      VAULT_ADDR: { from_secret: VAULT_ADDR }
+      VAULT_ROLE_ID:   { from_secret: VAULT_APP_ROLE }
+      VAULT_SECRET_ID: { from_secret: VAULT_SECRET_ID }
+    commands:
+      - set -euo pipefail
+      - apk add --no-cache bash openssh-client rsync coreutils curl sed python3
+      - mkdir -p /root/.ssh
+      - install -m 600 secrets/SSH_KEY /root/.ssh/id_rsa
+      - sh ci/scripts/mntx/deploy.sh
--- a/api/gateway/mntx/.gitignore
+++ b/api/gateway/mntx/.gitignore
@@ -0,0 +1 @@
+/mntx-gateway
--- a/api/gateway/mntx/README.md
+++ b/api/gateway/mntx/README.md
@@ -0,0 +1,46 @@
+# Monetix Gateway – Card Payouts
+
+This service now supports Monetix “payout by card”.
+
+## Runtime entry points
+- gRPC: `MntxGatewayService.CreateCardPayout` and `GetCardPayoutStatus`.
+- Callback HTTP server (default): `:8080/monetix/callback` for Monetix payout status notifications.
+- Metrics: Prometheus on `:9404/metrics`.
+
+## Required config/env
+`api/gateway/mntx/config.yml` shows defaults. Key values (usually injected via env):
+- `MONETIX_BASE_URL` – e.g. `https://gate.monetix.com`
+- `MONETIX_PROJECT_ID` – integer project ID
+- `MONETIX_SECRET_KEY` – signature secret
+- Optional: `allowed_currencies`, `require_customer_address`, `request_timeout_seconds`
+- Callback server: `MNTX_GATEWAY_HTTP_PORT` (exposed as 8080), `http.callback.path`, optional `allowed_cidrs`
+
+## Outbound request (CreateCardPayout)
+Payload is built per Monetix spec:
+```
+{
+  "general":  { "project_id": <int>, "payment_id": "<payout_id>", "signature": "<hmac>" },
+  "customer": { id, first_name, last_name, middle_name?, ip_address, zip?, country?, state?, city?, address? },
+  "payment":  { amount: <minor_units>, currency: "<ISO-4217>" },
+  "card":     { pan, year?, month?, card_holder }
+}
+```
+Signature: HMAC-SHA256 over the JSON body (without `signature`), using `MONETIX_SECRET_KEY`.
+
+## Callback handling
+- Endpoint only accepts POST with Monetix JSON body. Signature is verified with the same HMAC-SHA256 algorithm; invalid signatures return 403.
+- Maps Monetix statuses:
+  - `payment.status=success` AND `operation.status=success` AND `operation.code` empty/`0` → `PAYOUT_STATUS_PROCESSED`
+  - `processing` → `PAYOUT_STATUS_PENDING`
+  - otherwise → `PAYOUT_STATUS_FAILED`
+- Emits `CardPayoutStatusChangedEvent` over messaging (event type: `mntx_gateway`, action: `updated`).
+
+## Metrics
+- `sendico_mntx_gateway_card_payout_requests_total{outcome}`
+- `sendico_mntx_gateway_card_payout_request_latency_seconds{outcome}`
+- `sendico_mntx_gateway_card_payout_callbacks_total{status}`
+- Existing RPC/payout counters remain for compatibility.
+
+## Notes / PCI
+- PAN is only logged in masked form; do not persist raw PAN.
+- Callback allows CIDR allow-listing; leave empty to accept all while testing.
--- a/api/gateway/mntx/config.yml
+++ b/api/gateway/mntx/config.yml
@@ -0,0 +1,40 @@
+runtime:
+  shutdown_timeout_seconds: 15
+
+grpc:
+  network: tcp
+  address: ":50075"
+  enable_reflection: true
+  enable_health: true
+
+metrics:
+  address: ":9404"
+
+messaging:
+  driver: NATS
+  settings:
+    url_env: NATS_URL
+    host_env: NATS_HOST
+    port_env: NATS_PORT
+    username_env: NATS_USER
+    password_env: NATS_PASSWORD
+    broker_name: Monetix Gateway Service
+    max_reconnects: 10
+    reconnect_wait: 5
+
+monetix:
+  base_url_env: MONETIX_BASE_URL
+  project_id_env: MONETIX_PROJECT_ID
+  secret_key_env: MONETIX_SECRET_KEY
+  allowed_currencies: ["USD", "EUR"]
+  require_customer_address: false
+  request_timeout_seconds: 15
+  status_success: "success"
+  status_processing: "processing"
+
+http:
+  callback:
+    address: ":8080"
+    path: "/monetix/callback"
+    allowed_cidrs: []
+    max_body_bytes: 1048576
--- a/api/gateway/mntx/entrypoint.sh
+++ b/api/gateway/mntx/entrypoint.sh
@@ -0,0 +1,4 @@
+#!/bin/sh
+set -eu
+
+exec /app/mntx-gateway "$@"
--- a/api/gateway/mntx/go.mod
+++ b/api/gateway/mntx/go.mod
@@ -0,0 +1,54 @@
+module github.com/tech/sendico/gateway/mntx
+
+go 1.25.3
+
+replace github.com/tech/sendico/pkg => ../../pkg
+
+require (
+	github.com/google/uuid v1.6.0
+	github.com/prometheus/client_golang v1.23.2
+	github.com/shopspring/decimal v1.4.0
+	github.com/tech/sendico/pkg v0.1.0
+	go.uber.org/zap v1.27.1
+	google.golang.org/grpc v1.77.0
+	google.golang.org/protobuf v1.36.10
+	gopkg.in/yaml.v3 v3.0.1
+)
+
+require (
+	github.com/beorn7/perks v1.0.1 // indirect
+	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
+	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/govaluate v1.10.0 // indirect
+	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
+	github.com/cespare/xxhash/v2 v2.3.0 // indirect
+	github.com/go-chi/chi/v5 v5.2.3 // indirect
+	github.com/golang/snappy v1.0.0 // indirect
+	github.com/klauspost/compress v1.18.2 // indirect
+	github.com/mattn/go-colorable v0.1.14 // indirect
+	github.com/mattn/go-isatty v0.0.20 // indirect
+	github.com/mitchellh/mapstructure v1.5.0 // indirect
+	github.com/montanaflynn/stats v0.7.1 // indirect
+	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
+	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nkeys v0.4.12 // indirect
+	github.com/nats-io/nuid v1.0.1 // indirect
+	github.com/prometheus/client_model v0.6.2 // indirect
+	github.com/prometheus/common v0.67.4 // indirect
+	github.com/prometheus/procfs v0.19.2 // indirect
+	github.com/rogpeppe/go-internal v1.12.0 // indirect
+	github.com/tklauser/go-sysconf v0.3.16 // indirect
+	github.com/xdg-go/pbkdf2 v1.0.0 // indirect
+	github.com/xdg-go/scram v1.2.0 // indirect
+	github.com/xdg-go/stringprep v1.0.4 // indirect
+	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
+	go.mongodb.org/mongo-driver v1.17.6 // indirect
+	go.uber.org/multierr v1.11.0 // indirect
+	go.yaml.in/yaml/v2 v2.4.3 // indirect
+	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/text v0.31.0 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
+)
--- a/api/gateway/mntx/go.sum
+++ b/api/gateway/mntx/go.sum
@@ -0,0 +1,227 @@
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+golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
+golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
+golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=
+golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc=
+golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
+gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
+gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
+google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
+google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
+gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
+gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=
+gopkg.in/yaml.v3 v3.0.1 h1:fxVm/GzAzEWqLHuvctI91KS9hhNmmWOoWu0XTYJS7CA=
+gopkg.in/yaml.v3 v3.0.1/go.mod h1:K4uyk7z7BCEPqu6E+C64Yfv1cQ7kz7rIZviUmN+EgEM=
--- a/api/gateway/mntx/internal/appversion/version.go
+++ b/api/gateway/mntx/internal/appversion/version.go
@@ -0,0 +1,27 @@
+package appversion
+
+import (
+	"github.com/tech/sendico/pkg/version"
+	vf "github.com/tech/sendico/pkg/version/factory"
+)
+
+// Build information. Populated at build-time.
+var (
+	Version   string
+	Revision  string
+	Branch    string
+	BuildUser string
+	BuildDate string
+)
+
+func Create() version.Printer {
+	info := version.Info{
+		Program:   "Sendico Monetix Gateway Service",
+		Revision:  Revision,
+		Branch:    Branch,
+		BuildUser: BuildUser,
+		BuildDate: BuildDate,
+		Version:   Version,
+	}
+	return vf.Create(&info)
+}
--- a/api/gateway/mntx/internal/server/internal/serverimp.go
+++ b/api/gateway/mntx/internal/server/internal/serverimp.go
@@ -0,0 +1,345 @@
+package serverimp
+
+import (
+	"context"
+	"errors"
+	"io"
+	"net"
+	"net/http"
+	"os"
+	"strconv"
+	"strings"
+	"time"
+
+	"github.com/go-chi/chi/v5"
+	mntxservice "github.com/tech/sendico/gateway/mntx/internal/service/gateway"
+	"github.com/tech/sendico/pkg/api/routers"
+	"github.com/tech/sendico/pkg/merrors"
+	msg "github.com/tech/sendico/pkg/messaging"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/server/grpcapp"
+	"go.uber.org/zap"
+	"gopkg.in/yaml.v3"
+)
+
+type Imp struct {
+	logger mlogger.Logger
+	file   string
+	debug  bool
+
+	config *config
+	app    *grpcapp.App[struct{}]
+	http   *http.Server
+}
+
+type config struct {
+	*grpcapp.Config `yaml:",inline"`
+	Monetix         monetixConfig `yaml:"monetix"`
+	HTTP            httpConfig    `yaml:"http"`
+}
+
+type monetixConfig struct {
+	BaseURL                string   `yaml:"base_url"`
+	BaseURLEnv             string   `yaml:"base_url_env"`
+	ProjectID              int64    `yaml:"project_id"`
+	ProjectIDEnv           string   `yaml:"project_id_env"`
+	SecretKey              string   `yaml:"secret_key"`
+	SecretKeyEnv           string   `yaml:"secret_key_env"`
+	AllowedCurrencies      []string `yaml:"allowed_currencies"`
+	RequireCustomerAddress bool     `yaml:"require_customer_address"`
+	RequestTimeoutSeconds  int      `yaml:"request_timeout_seconds"`
+	StatusSuccess          string   `yaml:"status_success"`
+	StatusProcessing       string   `yaml:"status_processing"`
+}
+
+type httpConfig struct {
+	Callback callbackConfig `yaml:"callback"`
+}
+
+type callbackConfig struct {
+	Address      string   `yaml:"address"`
+	Path         string   `yaml:"path"`
+	AllowedCIDRs []string `yaml:"allowed_cidrs"`
+	MaxBodyBytes int64    `yaml:"max_body_bytes"`
+}
+
+// Create initialises the Monetix gateway server implementation.
+func Create(logger mlogger.Logger, file string, debug bool) (*Imp, error) {
+	return &Imp{
+		logger: logger.Named("server"),
+		file:   file,
+		debug:  debug,
+	}, nil
+}
+
+func (i *Imp) Shutdown() {
+	if i.app == nil {
+		return
+	}
+
+	timeout := 15 * time.Second
+	if i.config != nil && i.config.Runtime != nil {
+		timeout = i.config.Runtime.ShutdownTimeout()
+	}
+
+	ctx, cancel := context.WithTimeout(context.Background(), timeout)
+	defer cancel()
+
+	if i.http != nil {
+		_ = i.http.Shutdown(ctx)
+		i.http = nil
+	}
+
+	i.app.Shutdown(ctx)
+}
+
+func (i *Imp) Start() error {
+	cfg, err := i.loadConfig()
+	if err != nil {
+		return err
+	}
+	i.config = cfg
+
+	monetixCfg, err := i.resolveMonetixConfig(cfg.Monetix)
+	if err != nil {
+		return err
+	}
+
+	callbackCfg, err := i.resolveCallbackConfig(cfg.HTTP.Callback)
+	if err != nil {
+		return err
+	}
+
+	serviceFactory := func(logger mlogger.Logger, _ struct{}, producer msg.Producer) (grpcapp.Service, error) {
+		svc := mntxservice.NewService(logger,
+			mntxservice.WithProducer(producer),
+			mntxservice.WithMonetixConfig(monetixCfg),
+			mntxservice.WithHTTPClient(&http.Client{Timeout: monetixCfg.Timeout()}),
+		)
+
+		if err := i.startHTTPCallbackServer(svc, callbackCfg); err != nil {
+			return nil, err
+		}
+
+		return svc, nil
+	}
+
+	app, err := grpcapp.NewApp(i.logger, "mntx_gateway", cfg.Config, i.debug, nil, serviceFactory)
+	if err != nil {
+		return err
+	}
+	i.app = app
+
+	return i.app.Start()
+}
+
+func (i *Imp) loadConfig() (*config, error) {
+	data, err := os.ReadFile(i.file)
+	if err != nil {
+		i.logger.Error("could not read configuration file", zap.String("config_file", i.file), zap.Error(err))
+		return nil, err
+	}
+
+	cfg := &config{
+		Config: &grpcapp.Config{},
+	}
+	if err := yaml.Unmarshal(data, cfg); err != nil {
+		i.logger.Error("failed to parse configuration", zap.Error(err))
+		return nil, err
+	}
+
+	if cfg.Runtime == nil {
+		cfg.Runtime = &grpcapp.RuntimeConfig{ShutdownTimeoutSeconds: 15}
+	}
+
+	if cfg.GRPC == nil {
+		cfg.GRPC = &routers.GRPCConfig{
+			Network:          "tcp",
+			Address:          ":50075",
+			EnableReflection: true,
+			EnableHealth:     true,
+		}
+	}
+
+	if cfg.Metrics == nil {
+		cfg.Metrics = &grpcapp.MetricsConfig{Address: ":9404"}
+	}
+
+	return cfg, nil
+}
+
+func (i *Imp) resolveMonetixConfig(cfg monetixConfig) (mntxservice.MonetixConfig, error) {
+	baseURL := strings.TrimSpace(cfg.BaseURL)
+	if env := strings.TrimSpace(cfg.BaseURLEnv); env != "" {
+		if val := strings.TrimSpace(os.Getenv(env)); val != "" {
+			baseURL = val
+		}
+	}
+
+	projectID := cfg.ProjectID
+	if projectID == 0 && strings.TrimSpace(cfg.ProjectIDEnv) != "" {
+		raw := strings.TrimSpace(os.Getenv(cfg.ProjectIDEnv))
+		if raw != "" {
+			if id, err := strconv.ParseInt(raw, 10, 64); err == nil {
+				projectID = id
+			} else {
+				return mntxservice.MonetixConfig{}, merrors.InvalidArgument("invalid project id in env "+cfg.ProjectIDEnv, "monetix.project_id")
+			}
+		}
+	}
+
+	secret := strings.TrimSpace(cfg.SecretKey)
+	if env := strings.TrimSpace(cfg.SecretKeyEnv); env != "" {
+		if val := strings.TrimSpace(os.Getenv(env)); val != "" {
+			secret = val
+		}
+	}
+
+	timeout := time.Duration(cfg.RequestTimeoutSeconds) * time.Second
+	if timeout <= 0 {
+		timeout = 15 * time.Second
+	}
+
+	statusSuccess := strings.TrimSpace(cfg.StatusSuccess)
+	statusProcessing := strings.TrimSpace(cfg.StatusProcessing)
+
+	return mntxservice.MonetixConfig{
+		BaseURL:                baseURL,
+		ProjectID:              projectID,
+		SecretKey:              secret,
+		AllowedCurrencies:      cfg.AllowedCurrencies,
+		RequireCustomerAddress: cfg.RequireCustomerAddress,
+		RequestTimeout:         timeout,
+		StatusSuccess:          statusSuccess,
+		StatusProcessing:       statusProcessing,
+	}, nil
+}
+
+type callbackRuntimeConfig struct {
+	Address      string
+	Path         string
+	AllowedCIDRs []*net.IPNet
+	MaxBodyBytes int64
+}
+
+func (i *Imp) resolveCallbackConfig(cfg callbackConfig) (callbackRuntimeConfig, error) {
+	addr := strings.TrimSpace(cfg.Address)
+	if addr == "" {
+		addr = ":8080"
+	}
+	path := strings.TrimSpace(cfg.Path)
+	if path == "" {
+		path = "/monetix/callback"
+	}
+	maxBody := cfg.MaxBodyBytes
+	if maxBody <= 0 {
+		maxBody = 1 << 20 // 1MB
+	}
+
+	var cidrs []*net.IPNet
+	for _, raw := range cfg.AllowedCIDRs {
+		clean := strings.TrimSpace(raw)
+		if clean == "" {
+			continue
+		}
+		_, block, err := net.ParseCIDR(clean)
+		if err != nil {
+			i.logger.Warn("invalid callback allowlist CIDR skipped", zap.String("cidr", clean), zap.Error(err))
+			continue
+		}
+		cidrs = append(cidrs, block)
+	}
+
+	return callbackRuntimeConfig{
+		Address:      addr,
+		Path:         path,
+		AllowedCIDRs: cidrs,
+		MaxBodyBytes: maxBody,
+	}, nil
+}
+
+func (i *Imp) startHTTPCallbackServer(svc *mntxservice.Service, cfg callbackRuntimeConfig) error {
+	if svc == nil {
+		return errors.New("nil service provided for callback server")
+	}
+	if strings.TrimSpace(cfg.Address) == "" {
+		i.logger.Info("Monetix callback server disabled: address is empty")
+		return nil
+	}
+
+	router := chi.NewRouter()
+	router.Post(cfg.Path, func(w http.ResponseWriter, r *http.Request) {
+		if len(cfg.AllowedCIDRs) > 0 && !clientAllowed(r, cfg.AllowedCIDRs) {
+			http.Error(w, "forbidden", http.StatusForbidden)
+			return
+		}
+		body, err := io.ReadAll(io.LimitReader(r.Body, cfg.MaxBodyBytes))
+		if err != nil {
+			http.Error(w, "failed to read body", http.StatusBadRequest)
+			return
+		}
+		status, err := svc.ProcessMonetixCallback(r.Context(), body)
+		if err != nil {
+			http.Error(w, err.Error(), status)
+			return
+		}
+		w.WriteHeader(status)
+	})
+
+	server := &http.Server{
+		Addr:    cfg.Address,
+		Handler: router,
+	}
+
+	ln, err := net.Listen("tcp", cfg.Address)
+	if err != nil {
+		return err
+	}
+
+	i.http = server
+
+	go func() {
+		if err := server.Serve(ln); err != nil && !errors.Is(err, http.ErrServerClosed) {
+			i.logger.Error("Monetix callback server stopped with error", zap.Error(err))
+		}
+	}()
+
+	i.logger.Info("Monetix callback server listening", zap.String("address", cfg.Address), zap.String("path", cfg.Path))
+	return nil
+}
+
+func clientAllowed(r *http.Request, cidrs []*net.IPNet) bool {
+	if len(cidrs) == 0 {
+		return true
+	}
+
+	host := clientIPFromRequest(r)
+	if host == nil {
+		return false
+	}
+	for _, block := range cidrs {
+		if block.Contains(host) {
+			return true
+		}
+	}
+	return false
+}
+
+func clientIPFromRequest(r *http.Request) net.IP {
+	if r == nil {
+		return nil
+	}
+	if xfwd := strings.TrimSpace(r.Header.Get("X-Forwarded-For")); xfwd != "" {
+		parts := strings.Split(xfwd, ",")
+		if len(parts) > 0 {
+			if ip := net.ParseIP(strings.TrimSpace(parts[0])); ip != nil {
+				return ip
+			}
+		}
+	}
+	host, _, err := net.SplitHostPort(r.RemoteAddr)
+	if err != nil {
+		return nil
+	}
+	return net.ParseIP(host)
+}
--- a/api/gateway/mntx/internal/server/server.go
+++ b/api/gateway/mntx/internal/server/server.go
@@ -0,0 +1,12 @@
+package server
+
+import (
+	serverimp "github.com/tech/sendico/gateway/mntx/internal/server/internal"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/server"
+)
+
+// Create constructs the Monetix gateway server implementation.
+func Create(logger mlogger.Logger, file string, debug bool) (server.Application, error) {
+	return serverimp.Create(logger, file, debug)
+}
--- a/api/gateway/mntx/internal/service/gateway/callback.go
+++ b/api/gateway/mntx/internal/service/gateway/callback.go
@@ -0,0 +1,134 @@
+package gateway
+
+import (
+	"context"
+	"crypto/hmac"
+	"net/http"
+	"strings"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	clockpkg "github.com/tech/sendico/pkg/clock"
+	"github.com/tech/sendico/pkg/merrors"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"google.golang.org/protobuf/types/known/timestamppb"
+)
+
+type callbackPayment struct {
+	ID          string `json:"id"`
+	Type        string `json:"type"`
+	Status      string `json:"status"`
+	Date        string `json:"date"`
+	Method      string `json:"method"`
+	Description string `json:"description"`
+	Sum         struct {
+		Amount   int64  `json:"amount"`
+		Currency string `json:"currency"`
+	} `json:"sum"`
+}
+
+type callbackOperation struct {
+	ID          int64  `json:"id"`
+	Type        string `json:"type"`
+	Status      string `json:"status"`
+	Date        string `json:"date"`
+	CreatedDate string `json:"created_date"`
+	RequestID   string `json:"request_id"`
+	SumInitial  struct {
+		Amount   int64  `json:"amount"`
+		Currency string `json:"currency"`
+	} `json:"sum_initial"`
+	SumConverted struct {
+		Amount   int64  `json:"amount"`
+		Currency string `json:"currency"`
+	} `json:"sum_converted"`
+	Provider struct {
+		ID        int64  `json:"id"`
+		PaymentID string `json:"payment_id"`
+		Date      string `json:"date"`
+		AuthCode  string `json:"auth_code"`
+	} `json:"provider"`
+	Code    string `json:"code"`
+	Message string `json:"message"`
+}
+
+type monetixCallback struct {
+	ProjectID int64           `json:"project_id"`
+	Payment   callbackPayment `json:"payment"`
+	Account   struct {
+		Number string `json:"number"`
+	} `json:"account"`
+	Customer struct {
+		ID string `json:"id"`
+	} `json:"customer"`
+	Operation callbackOperation `json:"operation"`
+	Signature string            `json:"signature"`
+}
+
+// ProcessMonetixCallback ingests Monetix provider callbacks and updates payout state.
+func (s *Service) ProcessMonetixCallback(ctx context.Context, payload []byte) (int, error) {
+	if s.card == nil {
+		return http.StatusInternalServerError, merrors.Internal("card payout processor not initialised")
+	}
+	return s.card.ProcessCallback(ctx, payload)
+}
+
+func mapCallbackToState(clock clockpkg.Clock, cfg monetix.Config, cb monetixCallback) (*mntxv1.CardPayoutState, string) {
+	status := strings.ToLower(strings.TrimSpace(cb.Payment.Status))
+	opStatus := strings.ToLower(strings.TrimSpace(cb.Operation.Status))
+	code := strings.TrimSpace(cb.Operation.Code)
+
+	outcome := monetix.OutcomeDecline
+	internalStatus := mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+
+	if status == cfg.SuccessStatus() && opStatus == cfg.SuccessStatus() && (code == "" || code == "0") {
+		internalStatus = mntxv1.PayoutStatus_PAYOUT_STATUS_PROCESSED
+		outcome = monetix.OutcomeSuccess
+	} else if status == cfg.ProcessingStatus() || opStatus == cfg.ProcessingStatus() {
+		internalStatus = mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING
+		outcome = monetix.OutcomeProcessing
+	}
+
+	now := timestamppb.New(clock.Now())
+	state := &mntxv1.CardPayoutState{
+		PayoutId:          cb.Payment.ID,
+		ProjectId:         cb.ProjectID,
+		CustomerId:        cb.Customer.ID,
+		AmountMinor:       cb.Payment.Sum.Amount,
+		Currency:          strings.ToUpper(strings.TrimSpace(cb.Payment.Sum.Currency)),
+		Status:            internalStatus,
+		ProviderCode:      cb.Operation.Code,
+		ProviderMessage:   cb.Operation.Message,
+		ProviderPaymentId: fallbackProviderPaymentID(cb),
+		UpdatedAt:         now,
+		CreatedAt:         now,
+	}
+
+	return state, outcome
+}
+
+func fallbackProviderPaymentID(cb monetixCallback) string {
+	if cb.Operation.Provider.PaymentID != "" {
+		return cb.Operation.Provider.PaymentID
+	}
+	if cb.Operation.RequestID != "" {
+		return cb.Operation.RequestID
+	}
+	return cb.Payment.ID
+}
+
+func verifyCallbackSignature(cb monetixCallback, secret string) error {
+	expected := cb.Signature
+	cb.Signature = ""
+	calculated, err := monetix.SignPayload(cb, secret)
+	if err != nil {
+		return err
+	}
+	if subtleConstantTimeCompare(expected, calculated) {
+		return nil
+	}
+	return merrors.DataConflict("signature mismatch")
+}
+
+func subtleConstantTimeCompare(a, b string) bool {
+	return hmac.Equal([]byte(strings.TrimSpace(a)), []byte(strings.TrimSpace(b)))
+}
--- a/api/gateway/mntx/internal/service/gateway/card_payout_handlers.go
+++ b/api/gateway/mntx/internal/service/gateway/card_payout_handlers.go
@@ -0,0 +1,255 @@
+package gateway
+
+import (
+	"context"
+	"strings"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mservice"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"google.golang.org/protobuf/proto"
+)
+
+func (s *Service) CreateCardPayout(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
+	return executeUnary(ctx, s, "CreateCardPayout", s.handleCreateCardPayout, req)
+}
+
+func (s *Service) handleCreateCardPayout(ctx context.Context, req *mntxv1.CardPayoutRequest) gsresponse.Responder[mntxv1.CardPayoutResponse] {
+	if s.card == nil {
+		return gsresponse.Internal[mntxv1.CardPayoutResponse](s.logger, mservice.MntxGateway, merrors.Internal("card payout processor not initialised"))
+	}
+
+	resp, err := s.card.Submit(ctx, req)
+	if err != nil {
+		return gsresponse.Auto[mntxv1.CardPayoutResponse](s.logger, mservice.MntxGateway, err)
+	}
+	return gsresponse.Success(resp)
+}
+
+func (s *Service) CreateCardTokenPayout(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) (*mntxv1.CardTokenPayoutResponse, error) {
+	return executeUnary(ctx, s, "CreateCardTokenPayout", s.handleCreateCardTokenPayout, req)
+}
+
+func (s *Service) handleCreateCardTokenPayout(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) gsresponse.Responder[mntxv1.CardTokenPayoutResponse] {
+	if s.card == nil {
+		return gsresponse.Internal[mntxv1.CardTokenPayoutResponse](s.logger, mservice.MntxGateway, merrors.Internal("card payout processor not initialised"))
+	}
+
+	resp, err := s.card.SubmitToken(ctx, req)
+	if err != nil {
+		return gsresponse.Auto[mntxv1.CardTokenPayoutResponse](s.logger, mservice.MntxGateway, err)
+	}
+	return gsresponse.Success(resp)
+}
+
+func (s *Service) CreateCardToken(ctx context.Context, req *mntxv1.CardTokenizeRequest) (*mntxv1.CardTokenizeResponse, error) {
+	return executeUnary(ctx, s, "CreateCardToken", s.handleCreateCardToken, req)
+}
+
+func (s *Service) handleCreateCardToken(ctx context.Context, req *mntxv1.CardTokenizeRequest) gsresponse.Responder[mntxv1.CardTokenizeResponse] {
+	if s.card == nil {
+		return gsresponse.Internal[mntxv1.CardTokenizeResponse](s.logger, mservice.MntxGateway, merrors.Internal("card payout processor not initialised"))
+	}
+
+	resp, err := s.card.Tokenize(ctx, req)
+	if err != nil {
+		return gsresponse.Auto[mntxv1.CardTokenizeResponse](s.logger, mservice.MntxGateway, err)
+	}
+	return gsresponse.Success(resp)
+}
+
+func (s *Service) GetCardPayoutStatus(ctx context.Context, req *mntxv1.GetCardPayoutStatusRequest) (*mntxv1.GetCardPayoutStatusResponse, error) {
+	return executeUnary(ctx, s, "GetCardPayoutStatus", s.handleGetCardPayoutStatus, req)
+}
+
+func (s *Service) handleGetCardPayoutStatus(_ context.Context, req *mntxv1.GetCardPayoutStatusRequest) gsresponse.Responder[mntxv1.GetCardPayoutStatusResponse] {
+	if s.card == nil {
+		return gsresponse.Internal[mntxv1.GetCardPayoutStatusResponse](s.logger, mservice.MntxGateway, merrors.Internal("card payout processor not initialised"))
+	}
+
+	state, err := s.card.Status(context.Background(), req.GetPayoutId())
+	if err != nil {
+		return gsresponse.Auto[mntxv1.GetCardPayoutStatusResponse](s.logger, mservice.MntxGateway, err)
+	}
+	return gsresponse.Success(&mntxv1.GetCardPayoutStatusResponse{Payout: state})
+}
+
+func sanitizeCardPayoutRequest(req *mntxv1.CardPayoutRequest) *mntxv1.CardPayoutRequest {
+	if req == nil {
+		return nil
+	}
+	clean := proto.Clone(req)
+	r, ok := clean.(*mntxv1.CardPayoutRequest)
+	if !ok {
+		return req
+	}
+	r.PayoutId = strings.TrimSpace(r.GetPayoutId())
+	r.CustomerId = strings.TrimSpace(r.GetCustomerId())
+	r.CustomerFirstName = strings.TrimSpace(r.GetCustomerFirstName())
+	r.CustomerMiddleName = strings.TrimSpace(r.GetCustomerMiddleName())
+	r.CustomerLastName = strings.TrimSpace(r.GetCustomerLastName())
+	r.CustomerIp = strings.TrimSpace(r.GetCustomerIp())
+	r.CustomerZip = strings.TrimSpace(r.GetCustomerZip())
+	r.CustomerCountry = strings.TrimSpace(r.GetCustomerCountry())
+	r.CustomerState = strings.TrimSpace(r.GetCustomerState())
+	r.CustomerCity = strings.TrimSpace(r.GetCustomerCity())
+	r.CustomerAddress = strings.TrimSpace(r.GetCustomerAddress())
+	r.Currency = strings.ToUpper(strings.TrimSpace(r.GetCurrency()))
+	r.CardPan = strings.TrimSpace(r.GetCardPan())
+	r.CardHolder = strings.TrimSpace(r.GetCardHolder())
+	return r
+}
+
+func sanitizeCardTokenPayoutRequest(req *mntxv1.CardTokenPayoutRequest) *mntxv1.CardTokenPayoutRequest {
+	if req == nil {
+		return nil
+	}
+	clean := proto.Clone(req)
+	r, ok := clean.(*mntxv1.CardTokenPayoutRequest)
+	if !ok {
+		return req
+	}
+	r.PayoutId = strings.TrimSpace(r.GetPayoutId())
+	r.CustomerId = strings.TrimSpace(r.GetCustomerId())
+	r.CustomerFirstName = strings.TrimSpace(r.GetCustomerFirstName())
+	r.CustomerMiddleName = strings.TrimSpace(r.GetCustomerMiddleName())
+	r.CustomerLastName = strings.TrimSpace(r.GetCustomerLastName())
+	r.CustomerIp = strings.TrimSpace(r.GetCustomerIp())
+	r.CustomerZip = strings.TrimSpace(r.GetCustomerZip())
+	r.CustomerCountry = strings.TrimSpace(r.GetCustomerCountry())
+	r.CustomerState = strings.TrimSpace(r.GetCustomerState())
+	r.CustomerCity = strings.TrimSpace(r.GetCustomerCity())
+	r.CustomerAddress = strings.TrimSpace(r.GetCustomerAddress())
+	r.Currency = strings.ToUpper(strings.TrimSpace(r.GetCurrency()))
+	r.CardToken = strings.TrimSpace(r.GetCardToken())
+	r.CardHolder = strings.TrimSpace(r.GetCardHolder())
+	r.MaskedPan = strings.TrimSpace(r.GetMaskedPan())
+	return r
+}
+
+func sanitizeCardTokenizeRequest(req *mntxv1.CardTokenizeRequest) *mntxv1.CardTokenizeRequest {
+	if req == nil {
+		return nil
+	}
+	clean := proto.Clone(req)
+	r, ok := clean.(*mntxv1.CardTokenizeRequest)
+	if !ok {
+		return req
+	}
+	r.RequestId = strings.TrimSpace(r.GetRequestId())
+	r.CustomerId = strings.TrimSpace(r.GetCustomerId())
+	r.CustomerFirstName = strings.TrimSpace(r.GetCustomerFirstName())
+	r.CustomerMiddleName = strings.TrimSpace(r.GetCustomerMiddleName())
+	r.CustomerLastName = strings.TrimSpace(r.GetCustomerLastName())
+	r.CustomerIp = strings.TrimSpace(r.GetCustomerIp())
+	r.CustomerZip = strings.TrimSpace(r.GetCustomerZip())
+	r.CustomerCountry = strings.TrimSpace(r.GetCustomerCountry())
+	r.CustomerState = strings.TrimSpace(r.GetCustomerState())
+	r.CustomerCity = strings.TrimSpace(r.GetCustomerCity())
+	r.CustomerAddress = strings.TrimSpace(r.GetCustomerAddress())
+	r.CardPan = strings.TrimSpace(r.GetCardPan())
+	r.CardHolder = strings.TrimSpace(r.GetCardHolder())
+	r.CardCvv = strings.TrimSpace(r.GetCardCvv())
+	if card := r.GetCard(); card != nil {
+		card.Pan = strings.TrimSpace(card.GetPan())
+		card.CardHolder = strings.TrimSpace(card.GetCardHolder())
+		card.Cvv = strings.TrimSpace(card.GetCvv())
+		r.Card = card
+	}
+	return r
+}
+
+func buildCardPayoutRequest(projectID int64, req *mntxv1.CardPayoutRequest) monetix.CardPayoutRequest {
+	card := monetix.Card{
+		PAN:        req.GetCardPan(),
+		Year:       int(req.GetCardExpYear()),
+		Month:      int(req.GetCardExpMonth()),
+		CardHolder: req.GetCardHolder(),
+	}
+
+	return monetix.CardPayoutRequest{
+		General: monetix.General{
+			ProjectID: projectID,
+			PaymentID: req.GetPayoutId(),
+		},
+		Customer: monetix.Customer{
+			ID:        req.GetCustomerId(),
+			FirstName: req.GetCustomerFirstName(),
+			Middle:    req.GetCustomerMiddleName(),
+			LastName:  req.GetCustomerLastName(),
+			IP:        req.GetCustomerIp(),
+			Zip:       req.GetCustomerZip(),
+			Country:   req.GetCustomerCountry(),
+			State:     req.GetCustomerState(),
+			City:      req.GetCustomerCity(),
+			Address:   req.GetCustomerAddress(),
+		},
+		Payment: monetix.Payment{
+			Amount:   req.GetAmountMinor(),
+			Currency: strings.ToUpper(strings.TrimSpace(req.GetCurrency())),
+		},
+		Card: card,
+	}
+}
+
+func buildCardTokenPayoutRequest(projectID int64, req *mntxv1.CardTokenPayoutRequest) monetix.CardTokenPayoutRequest {
+	return monetix.CardTokenPayoutRequest{
+		General: monetix.General{
+			ProjectID: projectID,
+			PaymentID: req.GetPayoutId(),
+		},
+		Customer: monetix.Customer{
+			ID:        req.GetCustomerId(),
+			FirstName: req.GetCustomerFirstName(),
+			Middle:    req.GetCustomerMiddleName(),
+			LastName:  req.GetCustomerLastName(),
+			IP:        req.GetCustomerIp(),
+			Zip:       req.GetCustomerZip(),
+			Country:   req.GetCustomerCountry(),
+			State:     req.GetCustomerState(),
+			City:      req.GetCustomerCity(),
+			Address:   req.GetCustomerAddress(),
+		},
+		Payment: monetix.Payment{
+			Amount:   req.GetAmountMinor(),
+			Currency: strings.ToUpper(strings.TrimSpace(req.GetCurrency())),
+		},
+		Token: monetix.Token{
+			CardToken:  req.GetCardToken(),
+			CardHolder: req.GetCardHolder(),
+			MaskedPAN:  req.GetMaskedPan(),
+		},
+	}
+}
+
+func buildCardTokenizeRequest(projectID int64, req *mntxv1.CardTokenizeRequest, card *tokenizeCardInput) monetix.CardTokenizeRequest {
+	tokenizeCard := monetix.CardTokenize{
+		PAN:        card.pan,
+		Year:       int(card.year),
+		Month:      int(card.month),
+		CardHolder: card.holder,
+		CVV:        card.cvv,
+	}
+
+	return monetix.CardTokenizeRequest{
+		General: monetix.General{
+			ProjectID: projectID,
+			PaymentID: req.GetRequestId(),
+		},
+		Customer: monetix.Customer{
+			ID:        req.GetCustomerId(),
+			FirstName: req.GetCustomerFirstName(),
+			Middle:    req.GetCustomerMiddleName(),
+			LastName:  req.GetCustomerLastName(),
+			IP:        req.GetCustomerIp(),
+			Zip:       req.GetCustomerZip(),
+			Country:   req.GetCustomerCountry(),
+			State:     req.GetCustomerState(),
+			City:      req.GetCustomerCity(),
+			Address:   req.GetCustomerAddress(),
+		},
+		Card: tokenizeCard,
+	}
+}
--- a/api/gateway/mntx/internal/service/gateway/card_payout_store.go
+++ b/api/gateway/mntx/internal/service/gateway/card_payout_store.go
@@ -0,0 +1,55 @@
+package gateway
+
+import (
+	"strings"
+	"sync"
+
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"google.golang.org/protobuf/proto"
+)
+
+type cardPayoutStore struct {
+	mu      sync.RWMutex
+	payouts map[string]*mntxv1.CardPayoutState
+}
+
+func newCardPayoutStore() *cardPayoutStore {
+	return &cardPayoutStore{
+		payouts: make(map[string]*mntxv1.CardPayoutState),
+	}
+}
+
+func (s *cardPayoutStore) Save(p *mntxv1.CardPayoutState) {
+	if p == nil {
+		return
+	}
+	key := strings.TrimSpace(p.GetPayoutId())
+	if key == "" {
+		return
+	}
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	s.payouts[key] = cloneCardPayoutState(p)
+}
+
+func (s *cardPayoutStore) Get(payoutID string) (*mntxv1.CardPayoutState, bool) {
+	id := strings.TrimSpace(payoutID)
+	if id == "" {
+		return nil, false
+	}
+	s.mu.RLock()
+	defer s.mu.RUnlock()
+	val, ok := s.payouts[id]
+	return cloneCardPayoutState(val), ok
+}
+
+func cloneCardPayoutState(p *mntxv1.CardPayoutState) *mntxv1.CardPayoutState {
+	if p == nil {
+		return nil
+	}
+	cloned := proto.Clone(p)
+	if cp, ok := cloned.(*mntxv1.CardPayoutState); ok {
+		return cp
+	}
+	return nil
+}
--- a/api/gateway/mntx/internal/service/gateway/card_payout_validation.go
+++ b/api/gateway/mntx/internal/service/gateway/card_payout_validation.go
@@ -0,0 +1,83 @@
+package gateway
+
+import (
+	"strconv"
+	"strings"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	"github.com/tech/sendico/pkg/merrors"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func validateCardPayoutRequest(req *mntxv1.CardPayoutRequest, cfg monetix.Config) error {
+	if req == nil {
+		return newPayoutError("invalid_request", merrors.InvalidArgument("request cannot be empty"))
+	}
+
+	if strings.TrimSpace(req.GetPayoutId()) == "" {
+		return newPayoutError("missing_payout_id", merrors.InvalidArgument("payout_id is required", "payout_id"))
+	}
+	if strings.TrimSpace(req.GetCustomerId()) == "" {
+		return newPayoutError("missing_customer_id", merrors.InvalidArgument("customer_id is required", "customer_id"))
+	}
+	if strings.TrimSpace(req.GetCustomerFirstName()) == "" {
+		return newPayoutError("missing_customer_first_name", merrors.InvalidArgument("customer_first_name is required", "customer_first_name"))
+	}
+	if strings.TrimSpace(req.GetCustomerLastName()) == "" {
+		return newPayoutError("missing_customer_last_name", merrors.InvalidArgument("customer_last_name is required", "customer_last_name"))
+	}
+	if strings.TrimSpace(req.GetCustomerIp()) == "" {
+		return newPayoutError("missing_customer_ip", merrors.InvalidArgument("customer_ip is required", "customer_ip"))
+	}
+
+	if req.GetAmountMinor() <= 0 {
+		return newPayoutError("invalid_amount", merrors.InvalidArgument("amount_minor must be positive", "amount_minor"))
+	}
+
+	currency := strings.ToUpper(strings.TrimSpace(req.GetCurrency()))
+	if currency == "" {
+		return newPayoutError("missing_currency", merrors.InvalidArgument("currency is required", "currency"))
+	}
+	if !cfg.CurrencyAllowed(currency) {
+		return newPayoutError("unsupported_currency", merrors.InvalidArgument("currency is not allowed for this project", "currency"))
+	}
+
+	pan := strings.TrimSpace(req.GetCardPan())
+	if pan == "" {
+		return newPayoutError("missing_card_pan", merrors.InvalidArgument("card_pan is required", "card_pan"))
+	}
+	if strings.TrimSpace(req.GetCardHolder()) == "" {
+		return newPayoutError("missing_card_holder", merrors.InvalidArgument("card_holder is required", "card_holder"))
+	}
+	if err := validateCardExpiryFields(req.GetCardExpMonth(), req.GetCardExpYear()); err != nil {
+		return err
+	}
+
+	if cfg.RequireCustomerAddress {
+		if strings.TrimSpace(req.GetCustomerCountry()) == "" {
+			return newPayoutError("missing_customer_country", merrors.InvalidArgument("customer_country is required", "customer_country"))
+		}
+		if strings.TrimSpace(req.GetCustomerCity()) == "" {
+			return newPayoutError("missing_customer_city", merrors.InvalidArgument("customer_city is required", "customer_city"))
+		}
+		if strings.TrimSpace(req.GetCustomerAddress()) == "" {
+			return newPayoutError("missing_customer_address", merrors.InvalidArgument("customer_address is required", "customer_address"))
+		}
+		if strings.TrimSpace(req.GetCustomerZip()) == "" {
+			return newPayoutError("missing_customer_zip", merrors.InvalidArgument("customer_zip is required", "customer_zip"))
+		}
+	}
+
+	return nil
+}
+
+func validateCardExpiryFields(month uint32, year uint32) error {
+	if month == 0 || month > 12 {
+		return newPayoutError("invalid_expiry_month", merrors.InvalidArgument("card_exp_month must be between 1 and 12", "card_exp_month"))
+	}
+	yearStr := strconv.Itoa(int(year))
+	if len(yearStr) < 2 || year == 0 {
+		return newPayoutError("invalid_expiry_year", merrors.InvalidArgument("card_exp_year must be provided", "card_exp_year"))
+	}
+	return nil
+}
--- a/api/gateway/mntx/internal/service/gateway/card_processor.go
+++ b/api/gateway/mntx/internal/service/gateway/card_processor.go
@@ -0,0 +1,352 @@
+package gateway
+
+import (
+	"context"
+	"encoding/json"
+	"net/http"
+	"strings"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	clockpkg "github.com/tech/sendico/pkg/clock"
+	"github.com/tech/sendico/pkg/merrors"
+	msg "github.com/tech/sendico/pkg/messaging"
+	messaging "github.com/tech/sendico/pkg/messaging/envelope"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/model"
+	nm "github.com/tech/sendico/pkg/model/notification"
+	"github.com/tech/sendico/pkg/mservice"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"go.uber.org/zap"
+	"google.golang.org/protobuf/encoding/protojson"
+	"google.golang.org/protobuf/types/known/timestamppb"
+)
+
+type cardPayoutProcessor struct {
+	logger     mlogger.Logger
+	config     monetix.Config
+	clock      clockpkg.Clock
+	store      *cardPayoutStore
+	httpClient *http.Client
+	producer   msg.Producer
+}
+
+func newCardPayoutProcessor(logger mlogger.Logger, cfg monetix.Config, clock clockpkg.Clock, store *cardPayoutStore, client *http.Client, producer msg.Producer) *cardPayoutProcessor {
+	return &cardPayoutProcessor{
+		logger:     logger.Named("card_payout_processor"),
+		config:     cfg,
+		clock:      clock,
+		store:      store,
+		httpClient: client,
+		producer:   producer,
+	}
+}
+
+func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
+	if p == nil {
+		return nil, merrors.Internal("card payout processor not initialised")
+	}
+	if strings.TrimSpace(p.config.BaseURL) == "" || strings.TrimSpace(p.config.SecretKey) == "" {
+		p.logger.Warn("monetix configuration is incomplete for payout submission")
+		return nil, merrors.Internal("monetix configuration is incomplete")
+	}
+
+	req = sanitizeCardPayoutRequest(req)
+	if err := validateCardPayoutRequest(req, p.config); err != nil {
+		p.logger.Warn("card payout validation failed",
+			zap.String("payout_id", req.GetPayoutId()),
+			zap.String("customer_id", req.GetCustomerId()),
+			zap.Error(err),
+		)
+		return nil, err
+	}
+
+	projectID := req.GetProjectId()
+	if projectID == 0 {
+		projectID = p.config.ProjectID
+	}
+	if projectID == 0 {
+		p.logger.Warn("monetix project_id is not configured", zap.String("payout_id", req.GetPayoutId()))
+		return nil, merrors.Internal("monetix project_id is not configured")
+	}
+
+	now := timestamppb.New(p.clock.Now())
+	state := &mntxv1.CardPayoutState{
+		PayoutId:    req.GetPayoutId(),
+		ProjectId:   projectID,
+		CustomerId:  req.GetCustomerId(),
+		AmountMinor: req.GetAmountMinor(),
+		Currency:    strings.ToUpper(strings.TrimSpace(req.GetCurrency())),
+		Status:      mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING,
+		CreatedAt:   now,
+		UpdatedAt:   now,
+	}
+
+	if existing, ok := p.store.Get(state.GetPayoutId()); ok && existing != nil {
+		if existing.GetCreatedAt() != nil {
+			state.CreatedAt = existing.GetCreatedAt()
+		}
+	}
+
+	client := monetix.NewClient(p.config, p.httpClient, p.logger)
+	apiReq := buildCardPayoutRequest(projectID, req)
+	result, err := client.CreateCardPayout(ctx, apiReq)
+	if err != nil {
+		state.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+		state.ProviderMessage = err.Error()
+		state.UpdatedAt = timestamppb.New(p.clock.Now())
+		p.store.Save(state)
+		p.logger.Warn("monetix payout submission failed",
+			zap.String("payout_id", req.GetPayoutId()),
+			zap.String("customer_id", req.GetCustomerId()),
+			zap.Error(err),
+		)
+		return nil, err
+	}
+
+	state.ProviderPaymentId = result.ProviderRequestID
+	if result.Accepted {
+		state.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING
+	} else {
+		state.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+		state.ProviderCode = result.ErrorCode
+		state.ProviderMessage = result.ErrorMessage
+	}
+	state.UpdatedAt = timestamppb.New(p.clock.Now())
+	p.store.Save(state)
+
+	resp := &mntxv1.CardPayoutResponse{
+		Payout:            state,
+		Accepted:          result.Accepted,
+		ProviderRequestId: result.ProviderRequestID,
+		ErrorCode:         result.ErrorCode,
+		ErrorMessage:      result.ErrorMessage,
+	}
+
+	return resp, nil
+}
+
+func (p *cardPayoutProcessor) SubmitToken(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) (*mntxv1.CardTokenPayoutResponse, error) {
+	if p == nil {
+		return nil, merrors.Internal("card payout processor not initialised")
+	}
+	if strings.TrimSpace(p.config.BaseURL) == "" || strings.TrimSpace(p.config.SecretKey) == "" {
+		p.logger.Warn("monetix configuration is incomplete for token payout submission")
+		return nil, merrors.Internal("monetix configuration is incomplete")
+	}
+
+	req = sanitizeCardTokenPayoutRequest(req)
+	if err := validateCardTokenPayoutRequest(req, p.config); err != nil {
+		p.logger.Warn("card token payout validation failed",
+			zap.String("payout_id", req.GetPayoutId()),
+			zap.String("customer_id", req.GetCustomerId()),
+			zap.Error(err),
+		)
+		return nil, err
+	}
+
+	projectID := req.GetProjectId()
+	if projectID == 0 {
+		projectID = p.config.ProjectID
+	}
+	if projectID == 0 {
+		p.logger.Warn("monetix project_id is not configured", zap.String("payout_id", req.GetPayoutId()))
+		return nil, merrors.Internal("monetix project_id is not configured")
+	}
+
+	now := timestamppb.New(p.clock.Now())
+	state := &mntxv1.CardPayoutState{
+		PayoutId:    req.GetPayoutId(),
+		ProjectId:   projectID,
+		CustomerId:  req.GetCustomerId(),
+		AmountMinor: req.GetAmountMinor(),
+		Currency:    strings.ToUpper(strings.TrimSpace(req.GetCurrency())),
+		Status:      mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING,
+		CreatedAt:   now,
+		UpdatedAt:   now,
+	}
+
+	if existing, ok := p.store.Get(state.GetPayoutId()); ok && existing != nil {
+		if existing.GetCreatedAt() != nil {
+			state.CreatedAt = existing.GetCreatedAt()
+		}
+	}
+
+	client := monetix.NewClient(p.config, p.httpClient, p.logger)
+	apiReq := buildCardTokenPayoutRequest(projectID, req)
+	result, err := client.CreateCardTokenPayout(ctx, apiReq)
+	if err != nil {
+		state.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+		state.ProviderMessage = err.Error()
+		state.UpdatedAt = timestamppb.New(p.clock.Now())
+		p.store.Save(state)
+		p.logger.Warn("monetix token payout submission failed",
+			zap.String("payout_id", req.GetPayoutId()),
+			zap.String("customer_id", req.GetCustomerId()),
+			zap.Error(err),
+		)
+		return nil, err
+	}
+
+	state.ProviderPaymentId = result.ProviderRequestID
+	if result.Accepted {
+		state.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING
+	} else {
+		state.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+		state.ProviderCode = result.ErrorCode
+		state.ProviderMessage = result.ErrorMessage
+	}
+	state.UpdatedAt = timestamppb.New(p.clock.Now())
+	p.store.Save(state)
+
+	resp := &mntxv1.CardTokenPayoutResponse{
+		Payout:            state,
+		Accepted:          result.Accepted,
+		ProviderRequestId: result.ProviderRequestID,
+		ErrorCode:         result.ErrorCode,
+		ErrorMessage:      result.ErrorMessage,
+	}
+
+	return resp, nil
+}
+
+func (p *cardPayoutProcessor) Tokenize(ctx context.Context, req *mntxv1.CardTokenizeRequest) (*mntxv1.CardTokenizeResponse, error) {
+	if p == nil {
+		return nil, merrors.Internal("card payout processor not initialised")
+	}
+	cardInput, err := validateCardTokenizeRequest(req, p.config)
+	if err != nil {
+		p.logger.Warn("card tokenization validation failed",
+			zap.String("request_id", req.GetRequestId()),
+			zap.String("customer_id", req.GetCustomerId()),
+			zap.Error(err),
+		)
+		return nil, err
+	}
+
+	projectID := req.GetProjectId()
+	if projectID == 0 {
+		projectID = p.config.ProjectID
+	}
+	if projectID == 0 {
+		p.logger.Warn("monetix project_id is not configured", zap.String("request_id", req.GetRequestId()))
+		return nil, merrors.Internal("monetix project_id is not configured")
+	}
+
+	req = sanitizeCardTokenizeRequest(req)
+	cardInput = extractTokenizeCard(req)
+	client := monetix.NewClient(p.config, p.httpClient, p.logger)
+	apiReq := buildCardTokenizeRequest(projectID, req, cardInput)
+	result, err := client.CreateCardTokenization(ctx, apiReq)
+	if err != nil {
+		p.logger.Warn("monetix tokenization request failed",
+			zap.String("request_id", req.GetRequestId()),
+			zap.String("customer_id", req.GetCustomerId()),
+			zap.Error(err),
+		)
+		return nil, err
+	}
+
+	resp := &mntxv1.CardTokenizeResponse{
+		RequestId:    req.GetRequestId(),
+		Success:      result.Accepted,
+		ErrorCode:    result.ErrorCode,
+		ErrorMessage: result.ErrorMessage,
+	}
+	resp.Token = result.Token
+	resp.MaskedPan = result.MaskedPAN
+	resp.ExpiryMonth = result.ExpiryMonth
+	resp.ExpiryYear = result.ExpiryYear
+	resp.CardBrand = result.CardBrand
+
+	return resp, nil
+}
+
+func (p *cardPayoutProcessor) Status(_ context.Context, payoutID string) (*mntxv1.CardPayoutState, error) {
+	if p == nil {
+		return nil, merrors.Internal("card payout processor not initialised")
+	}
+
+	id := strings.TrimSpace(payoutID)
+	if id == "" {
+		p.logger.Warn("payout status requested with empty payout_id")
+		return nil, merrors.InvalidArgument("payout_id is required", "payout_id")
+	}
+
+	state, ok := p.store.Get(id)
+	if !ok || state == nil {
+		p.logger.Warn("payout status not found", zap.String("payout_id", id))
+		return nil, merrors.NoData("payout not found")
+	}
+	return state, nil
+}
+
+func (p *cardPayoutProcessor) ProcessCallback(ctx context.Context, payload []byte) (int, error) {
+	if p == nil {
+		return http.StatusInternalServerError, merrors.Internal("card payout processor not initialised")
+	}
+	if len(payload) == 0 {
+		p.logger.Warn("received empty Monetix callback payload")
+		return http.StatusBadRequest, merrors.InvalidArgument("callback body is empty")
+	}
+	if strings.TrimSpace(p.config.SecretKey) == "" {
+		p.logger.Warn("monetix secret key is not configured; cannot verify callback")
+		return http.StatusInternalServerError, merrors.Internal("monetix secret key is not configured")
+	}
+
+	var cb monetixCallback
+	if err := json.Unmarshal(payload, &cb); err != nil {
+		p.logger.Warn("failed to unmarshal Monetix callback", zap.Error(err))
+		return http.StatusBadRequest, err
+	}
+
+	if strings.TrimSpace(cb.Signature) == "" {
+		p.logger.Warn("Monetix callback signature is missing", zap.String("payout_id", cb.Payment.ID))
+		return http.StatusBadRequest, merrors.InvalidArgument("signature is missing")
+	}
+	if err := verifyCallbackSignature(cb, p.config.SecretKey); err != nil {
+		p.logger.Warn("Monetix callback signature check failed", zap.Error(err))
+		return http.StatusForbidden, err
+	}
+
+	state, statusLabel := mapCallbackToState(p.clock, p.config, cb)
+	if existing, ok := p.store.Get(state.GetPayoutId()); ok && existing != nil {
+		if existing.GetCreatedAt() != nil {
+			state.CreatedAt = existing.GetCreatedAt()
+		}
+	}
+	p.store.Save(state)
+	p.emitCardPayoutEvent(state)
+	monetix.ObserveCallback(statusLabel)
+
+	p.logger.Info("Monetix payout callback processed",
+		zap.String("payout_id", state.GetPayoutId()),
+		zap.String("status", statusLabel),
+		zap.String("provider_code", state.GetProviderCode()),
+		zap.String("provider_message", state.GetProviderMessage()),
+		zap.String("masked_account", cb.Account.Number),
+	)
+
+	return http.StatusOK, nil
+}
+
+func (p *cardPayoutProcessor) emitCardPayoutEvent(state *mntxv1.CardPayoutState) {
+	if state == nil || p.producer == nil {
+		return
+	}
+
+	event := &mntxv1.CardPayoutStatusChangedEvent{Payout: state}
+	payload, err := protojson.Marshal(event)
+	if err != nil {
+		p.logger.Warn("failed to marshal payout callback event", zap.Error(err))
+		return
+	}
+
+	env := messaging.CreateEnvelope(string(mservice.MntxGateway), model.NewNotification(mservice.MntxGateway, nm.NAUpdated))
+	if _, err := env.Wrap(payload); err != nil {
+		p.logger.Warn("failed to wrap payout callback event payload", zap.Error(err))
+		return
+	}
+	if err := p.producer.SendMessage(env); err != nil {
+		p.logger.Warn("failed to publish payout callback event", zap.Error(err))
+	}
+}
--- a/api/gateway/mntx/internal/service/gateway/card_token_validation.go
+++ b/api/gateway/mntx/internal/service/gateway/card_token_validation.go
@@ -0,0 +1,63 @@
+package gateway
+
+import (
+	"strings"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	"github.com/tech/sendico/pkg/merrors"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func validateCardTokenPayoutRequest(req *mntxv1.CardTokenPayoutRequest, cfg monetix.Config) error {
+	if req == nil {
+		return newPayoutError("invalid_request", merrors.InvalidArgument("request cannot be empty"))
+	}
+
+	if strings.TrimSpace(req.GetPayoutId()) == "" {
+		return newPayoutError("missing_payout_id", merrors.InvalidArgument("payout_id is required", "payout_id"))
+	}
+	if strings.TrimSpace(req.GetCustomerId()) == "" {
+		return newPayoutError("missing_customer_id", merrors.InvalidArgument("customer_id is required", "customer_id"))
+	}
+	if strings.TrimSpace(req.GetCustomerFirstName()) == "" {
+		return newPayoutError("missing_customer_first_name", merrors.InvalidArgument("customer_first_name is required", "customer_first_name"))
+	}
+	if strings.TrimSpace(req.GetCustomerLastName()) == "" {
+		return newPayoutError("missing_customer_last_name", merrors.InvalidArgument("customer_last_name is required", "customer_last_name"))
+	}
+	if strings.TrimSpace(req.GetCustomerIp()) == "" {
+		return newPayoutError("missing_customer_ip", merrors.InvalidArgument("customer_ip is required", "customer_ip"))
+	}
+	if req.GetAmountMinor() <= 0 {
+		return newPayoutError("invalid_amount", merrors.InvalidArgument("amount_minor must be positive", "amount_minor"))
+	}
+
+	currency := strings.ToUpper(strings.TrimSpace(req.GetCurrency()))
+	if currency == "" {
+		return newPayoutError("missing_currency", merrors.InvalidArgument("currency is required", "currency"))
+	}
+	if !cfg.CurrencyAllowed(currency) {
+		return newPayoutError("unsupported_currency", merrors.InvalidArgument("currency is not allowed for this project", "currency"))
+	}
+
+	if strings.TrimSpace(req.GetCardToken()) == "" {
+		return newPayoutError("missing_card_token", merrors.InvalidArgument("card_token is required", "card_token"))
+	}
+
+	if cfg.RequireCustomerAddress {
+		if strings.TrimSpace(req.GetCustomerCountry()) == "" {
+			return newPayoutError("missing_customer_country", merrors.InvalidArgument("customer_country is required", "customer_country"))
+		}
+		if strings.TrimSpace(req.GetCustomerCity()) == "" {
+			return newPayoutError("missing_customer_city", merrors.InvalidArgument("customer_city is required", "customer_city"))
+		}
+		if strings.TrimSpace(req.GetCustomerAddress()) == "" {
+			return newPayoutError("missing_customer_address", merrors.InvalidArgument("customer_address is required", "customer_address"))
+		}
+		if strings.TrimSpace(req.GetCustomerZip()) == "" {
+			return newPayoutError("missing_customer_zip", merrors.InvalidArgument("customer_zip is required", "customer_zip"))
+		}
+	}
+
+	return nil
+}
--- a/api/gateway/mntx/internal/service/gateway/card_tokenize_validation.go
+++ b/api/gateway/mntx/internal/service/gateway/card_tokenize_validation.go
@@ -0,0 +1,108 @@
+package gateway
+
+import (
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	"github.com/tech/sendico/pkg/merrors"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+type tokenizeCardInput struct {
+	pan    string
+	month  uint32
+	year   uint32
+	holder string
+	cvv    string
+}
+
+func validateCardTokenizeRequest(req *mntxv1.CardTokenizeRequest, cfg monetix.Config) (*tokenizeCardInput, error) {
+	if req == nil {
+		return nil, newPayoutError("invalid_request", merrors.InvalidArgument("request cannot be empty"))
+	}
+	if strings.TrimSpace(req.GetRequestId()) == "" {
+		return nil, newPayoutError("missing_request_id", merrors.InvalidArgument("request_id is required", "request_id"))
+	}
+	if strings.TrimSpace(req.GetCustomerId()) == "" {
+		return nil, newPayoutError("missing_customer_id", merrors.InvalidArgument("customer_id is required", "customer_id"))
+	}
+	if strings.TrimSpace(req.GetCustomerFirstName()) == "" {
+		return nil, newPayoutError("missing_customer_first_name", merrors.InvalidArgument("customer_first_name is required", "customer_first_name"))
+	}
+	if strings.TrimSpace(req.GetCustomerLastName()) == "" {
+		return nil, newPayoutError("missing_customer_last_name", merrors.InvalidArgument("customer_last_name is required", "customer_last_name"))
+	}
+	if strings.TrimSpace(req.GetCustomerIp()) == "" {
+		return nil, newPayoutError("missing_customer_ip", merrors.InvalidArgument("customer_ip is required", "customer_ip"))
+	}
+
+	card := extractTokenizeCard(req)
+	if card.pan == "" {
+		return nil, newPayoutError("missing_card_pan", merrors.InvalidArgument("card_pan is required", "card.pan"))
+	}
+	if card.holder == "" {
+		return nil, newPayoutError("missing_card_holder", merrors.InvalidArgument("card_holder is required", "card.holder"))
+	}
+	if card.month == 0 || card.month > 12 {
+		return nil, newPayoutError("invalid_expiry_month", merrors.InvalidArgument("card_exp_month must be between 1 and 12", "card.exp_month"))
+	}
+	if card.year == 0 {
+		return nil, newPayoutError("invalid_expiry_year", merrors.InvalidArgument("card_exp_year must be provided", "card.exp_year"))
+	}
+	if card.cvv == "" {
+		return nil, newPayoutError("missing_cvv", merrors.InvalidArgument("card_cvv is required", "card.cvv"))
+	}
+	if expired(card.month, card.year) {
+		return nil, newPayoutError("expired_card", merrors.InvalidArgument("card expiry is in the past", "card.expiry"))
+	}
+
+	if cfg.RequireCustomerAddress {
+		if strings.TrimSpace(req.GetCustomerCountry()) == "" {
+			return nil, newPayoutError("missing_customer_country", merrors.InvalidArgument("customer_country is required", "customer_country"))
+		}
+		if strings.TrimSpace(req.GetCustomerCity()) == "" {
+			return nil, newPayoutError("missing_customer_city", merrors.InvalidArgument("customer_city is required", "customer_city"))
+		}
+		if strings.TrimSpace(req.GetCustomerAddress()) == "" {
+			return nil, newPayoutError("missing_customer_address", merrors.InvalidArgument("customer_address is required", "customer_address"))
+		}
+		if strings.TrimSpace(req.GetCustomerZip()) == "" {
+			return nil, newPayoutError("missing_customer_zip", merrors.InvalidArgument("customer_zip is required", "customer_zip"))
+		}
+	}
+
+	return card, nil
+}
+
+func extractTokenizeCard(req *mntxv1.CardTokenizeRequest) *tokenizeCardInput {
+	card := req.GetCard()
+	if card != nil {
+		return &tokenizeCardInput{
+			pan:    strings.TrimSpace(card.GetPan()),
+			month:  card.GetExpMonth(),
+			year:   card.GetExpYear(),
+			holder: strings.TrimSpace(card.GetCardHolder()),
+			cvv:    strings.TrimSpace(card.GetCvv()),
+		}
+	}
+	return &tokenizeCardInput{
+		pan:    strings.TrimSpace(req.GetCardPan()),
+		month:  req.GetCardExpMonth(),
+		year:   req.GetCardExpYear(),
+		holder: strings.TrimSpace(req.GetCardHolder()),
+		cvv:    strings.TrimSpace(req.GetCardCvv()),
+	}
+}
+
+func expired(month uint32, year uint32) bool {
+	now := time.Now()
+	y := int(year)
+	m := time.Month(month)
+	// Normalize 2-digit years: assume 2000-2099.
+	if y < 100 {
+		y += 2000
+	}
+	expiry := time.Date(y, m, 1, 0, 0, 0, 0, time.UTC).AddDate(0, 1, -1)
+	return now.After(expiry)
+}
--- a/api/gateway/mntx/internal/service/gateway/metrics.go
+++ b/api/gateway/mntx/internal/service/gateway/metrics.go
@@ -0,0 +1,174 @@
+package gateway
+
+import (
+	"errors"
+	"strings"
+	"sync"
+	"time"
+
+	"github.com/prometheus/client_golang/prometheus"
+	"github.com/prometheus/client_golang/prometheus/promauto"
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/pkg/merrors"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
+
+var (
+	metricsOnce sync.Once
+
+	rpcLatency *prometheus.HistogramVec
+	rpcStatus  *prometheus.CounterVec
+
+	payoutCounter       *prometheus.CounterVec
+	payoutAmountTotal   *prometheus.CounterVec
+	payoutErrorCount    *prometheus.CounterVec
+	payoutMissedAmounts *prometheus.CounterVec
+)
+
+func initMetrics() {
+	metricsOnce.Do(func() {
+		rpcLatency = promauto.NewHistogramVec(prometheus.HistogramOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "rpc_latency_seconds",
+			Help:      "Latency distribution for Monetix gateway RPC handlers.",
+			Buckets:   prometheus.DefBuckets,
+		}, []string{"method"})
+
+		rpcStatus = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "rpc_requests_total",
+			Help:      "Total number of RPC invocations grouped by method and status.",
+		}, []string{"method", "status"})
+
+		payoutCounter = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "payouts_total",
+			Help:      "Total payouts processed grouped by outcome.",
+		}, []string{"status"})
+
+		payoutAmountTotal = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "payout_amount_total",
+			Help:      "Total payout amount grouped by outcome and currency.",
+		}, []string{"status", "currency"})
+
+		payoutErrorCount = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "payout_errors_total",
+			Help:      "Payout failures grouped by reason.",
+		}, []string{"reason"})
+
+		payoutMissedAmounts = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "payout_missed_amount_total",
+			Help:      "Total payout volume that failed grouped by reason and currency.",
+		}, []string{"reason", "currency"})
+	})
+}
+
+func observeRPC(method string, err error, duration time.Duration) {
+	if rpcLatency != nil {
+		rpcLatency.WithLabelValues(method).Observe(duration.Seconds())
+	}
+	if rpcStatus != nil {
+		rpcStatus.WithLabelValues(method, statusLabel(err)).Inc()
+	}
+}
+
+func observePayoutSuccess(amount *moneyv1.Money) {
+	if payoutCounter != nil {
+		payoutCounter.WithLabelValues("processed").Inc()
+	}
+	value, currency := monetaryValue(amount)
+	if value > 0 && payoutAmountTotal != nil {
+		payoutAmountTotal.WithLabelValues("processed", currency).Add(value)
+	}
+}
+
+func observePayoutError(reason string, amount *moneyv1.Money) {
+	reason = reasonLabel(reason)
+	if payoutCounter != nil {
+		payoutCounter.WithLabelValues("failed").Inc()
+	}
+	if payoutErrorCount != nil {
+		payoutErrorCount.WithLabelValues(reason).Inc()
+	}
+	value, currency := monetaryValue(amount)
+	if value <= 0 {
+		return
+	}
+	if payoutAmountTotal != nil {
+		payoutAmountTotal.WithLabelValues("failed", currency).Add(value)
+	}
+	if payoutMissedAmounts != nil {
+		payoutMissedAmounts.WithLabelValues(reason, currency).Add(value)
+	}
+}
+
+func monetaryValue(amount *moneyv1.Money) (float64, string) {
+	if amount == nil {
+		return 0, "unknown"
+	}
+	val := strings.TrimSpace(amount.Amount)
+	if val == "" {
+		return 0, currencyLabel(amount.Currency)
+	}
+	dec, err := decimal.NewFromString(val)
+	if err != nil {
+		return 0, currencyLabel(amount.Currency)
+	}
+	f, _ := dec.Float64()
+	if f < 0 {
+		return 0, currencyLabel(amount.Currency)
+	}
+	return f, currencyLabel(amount.Currency)
+}
+
+func currencyLabel(code string) string {
+	code = strings.ToUpper(strings.TrimSpace(code))
+	if code == "" {
+		return "unknown"
+	}
+	return code
+}
+
+func reasonLabel(reason string) string {
+	reason = strings.TrimSpace(reason)
+	if reason == "" {
+		return "unknown"
+	}
+	return strings.ToLower(reason)
+}
+
+func statusLabel(err error) string {
+	switch {
+	case err == nil:
+		return "ok"
+	case errors.Is(err, merrors.ErrInvalidArg):
+		return "invalid_argument"
+	case errors.Is(err, merrors.ErrNoData):
+		return "not_found"
+	case errors.Is(err, merrors.ErrDataConflict):
+		return "conflict"
+	case errors.Is(err, merrors.ErrAccessDenied):
+		return "denied"
+	case errors.Is(err, merrors.ErrInternal):
+		return "internal"
+	default:
+		return "error"
+	}
+}
+
+func normalizeCallbackStatus(status string) string {
+	status = strings.TrimSpace(status)
+	if status == "" {
+		return "unknown"
+	}
+	return strings.ToLower(status)
+}
--- a/api/gateway/mntx/internal/service/gateway/options.go
+++ b/api/gateway/mntx/internal/service/gateway/options.go
@@ -0,0 +1,44 @@
+package gateway
+
+import (
+	"net/http"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	"github.com/tech/sendico/pkg/clock"
+	msg "github.com/tech/sendico/pkg/messaging"
+)
+
+// Option configures optional service dependencies.
+type Option func(*Service)
+
+// WithClock injects a custom clock (useful for tests).
+func WithClock(c clock.Clock) Option {
+	return func(s *Service) {
+		if c != nil {
+			s.clock = c
+		}
+	}
+}
+
+// WithProducer attaches a messaging producer to the service.
+func WithProducer(p msg.Producer) Option {
+	return func(s *Service) {
+		s.producer = p
+	}
+}
+
+// WithHTTPClient injects a custom HTTP client (useful for tests).
+func WithHTTPClient(client *http.Client) Option {
+	return func(s *Service) {
+		if client != nil {
+			s.httpClient = client
+		}
+	}
+}
+
+// WithMonetixConfig sets the Monetix connectivity options.
+func WithMonetixConfig(cfg monetix.Config) Option {
+	return func(s *Service) {
+		s.config = cfg
+	}
+}
--- a/api/gateway/mntx/internal/service/gateway/payout_get.go
+++ b/api/gateway/mntx/internal/service/gateway/payout_get.go
@@ -0,0 +1,30 @@
+package gateway
+
+import (
+	"context"
+	"fmt"
+	"strings"
+
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mservice"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func (s *Service) GetPayout(ctx context.Context, req *mntxv1.GetPayoutRequest) (*mntxv1.GetPayoutResponse, error) {
+	return executeUnary(ctx, s, "GetPayout", s.handleGetPayout, req)
+}
+
+func (s *Service) handleGetPayout(_ context.Context, req *mntxv1.GetPayoutRequest) gsresponse.Responder[mntxv1.GetPayoutResponse] {
+	ref := strings.TrimSpace(req.GetPayoutRef())
+	if ref == "" {
+		return gsresponse.InvalidArgument[mntxv1.GetPayoutResponse](s.logger, mservice.MntxGateway, merrors.InvalidArgument("payout_ref is required", "payout_ref"))
+	}
+
+	payout, ok := s.store.Get(ref)
+	if !ok {
+		return gsresponse.NotFound[mntxv1.GetPayoutResponse](s.logger, mservice.MntxGateway, merrors.NoData(fmt.Sprintf("payout %s not found", ref)))
+	}
+
+	return gsresponse.Success(&mntxv1.GetPayoutResponse{Payout: payout})
+}
--- a/api/gateway/mntx/internal/service/gateway/payout_store.go
+++ b/api/gateway/mntx/internal/service/gateway/payout_store.go
@@ -0,0 +1,46 @@
+package gateway
+
+import (
+	"sync"
+
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"google.golang.org/protobuf/proto"
+)
+
+type payoutStore struct {
+	mu      sync.RWMutex
+	payouts map[string]*mntxv1.Payout
+}
+
+func newPayoutStore() *payoutStore {
+	return &payoutStore{
+		payouts: make(map[string]*mntxv1.Payout),
+	}
+}
+
+func (s *payoutStore) Save(p *mntxv1.Payout) {
+	if p == nil {
+		return
+	}
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	s.payouts[p.GetPayoutRef()] = clonePayout(p)
+}
+
+func (s *payoutStore) Get(ref string) (*mntxv1.Payout, bool) {
+	s.mu.RLock()
+	defer s.mu.RUnlock()
+	p, ok := s.payouts[ref]
+	return clonePayout(p), ok
+}
+
+func clonePayout(p *mntxv1.Payout) *mntxv1.Payout {
+	if p == nil {
+		return nil
+	}
+	cloned := proto.Clone(p)
+	if cp, ok := cloned.(*mntxv1.Payout); ok {
+		return cp
+	}
+	return nil
+}
--- a/api/gateway/mntx/internal/service/gateway/payout_submit.go
+++ b/api/gateway/mntx/internal/service/gateway/payout_submit.go
@@ -0,0 +1,131 @@
+package gateway
+
+import (
+	"context"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	"github.com/tech/sendico/pkg/merrors"
+	messaging "github.com/tech/sendico/pkg/messaging/envelope"
+	"github.com/tech/sendico/pkg/model"
+	nm "github.com/tech/sendico/pkg/model/notification"
+	"github.com/tech/sendico/pkg/mservice"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"go.uber.org/zap"
+	"google.golang.org/protobuf/encoding/protojson"
+	"google.golang.org/protobuf/types/known/timestamppb"
+)
+
+func (s *Service) SubmitPayout(ctx context.Context, req *mntxv1.SubmitPayoutRequest) (*mntxv1.SubmitPayoutResponse, error) {
+	return executeUnary(ctx, s, "SubmitPayout", s.handleSubmitPayout, req)
+}
+
+func (s *Service) handleSubmitPayout(_ context.Context, req *mntxv1.SubmitPayoutRequest) gsresponse.Responder[mntxv1.SubmitPayoutResponse] {
+	payout, err := s.buildPayout(req)
+	if err != nil {
+		return gsresponse.Auto[mntxv1.SubmitPayoutResponse](s.logger, mservice.MntxGateway, err)
+	}
+
+	s.store.Save(payout)
+	s.emitEvent(payout, nm.NAPending)
+	go s.completePayout(payout, strings.TrimSpace(req.GetSimulatedFailureReason()))
+
+	return gsresponse.Success(&mntxv1.SubmitPayoutResponse{Payout: payout})
+}
+
+func (s *Service) buildPayout(req *mntxv1.SubmitPayoutRequest) (*mntxv1.Payout, error) {
+	if req == nil {
+		return nil, newPayoutError("invalid_request", merrors.InvalidArgument("request cannot be empty"))
+	}
+
+	idempotencyKey := strings.TrimSpace(req.IdempotencyKey)
+	if idempotencyKey == "" {
+		return nil, newPayoutError("missing_idempotency_key", merrors.InvalidArgument("idempotency_key is required", "idempotency_key"))
+	}
+
+	orgRef := strings.TrimSpace(req.OrganizationRef)
+	if orgRef == "" {
+		return nil, newPayoutError("missing_organization_ref", merrors.InvalidArgument("organization_ref is required", "organization_ref"))
+	}
+
+	if err := validateAmount(req.Amount); err != nil {
+		return nil, err
+	}
+
+	if err := validateDestination(req.Destination); err != nil {
+		return nil, err
+	}
+
+	if reason := strings.TrimSpace(req.SimulatedFailureReason); reason != "" {
+		return nil, newPayoutError(normalizeReason(reason), merrors.InvalidArgument("simulated payout failure requested"))
+	}
+
+	now := timestamppb.New(s.clock.Now())
+	payout := &mntxv1.Payout{
+		PayoutRef:       newPayoutRef(),
+		IdempotencyKey:  idempotencyKey,
+		OrganizationRef: orgRef,
+		Destination:     req.Destination,
+		Amount:          req.Amount,
+		Description:     strings.TrimSpace(req.Description),
+		Metadata:        req.Metadata,
+		Status:          mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING,
+		CreatedAt:       now,
+		UpdatedAt:       now,
+	}
+
+	return payout, nil
+}
+
+func (s *Service) completePayout(original *mntxv1.Payout, simulatedFailure string) {
+	outcome := clonePayout(original)
+	if outcome == nil {
+		return
+	}
+
+	// Simulate async processing delay for realism.
+	time.Sleep(150 * time.Millisecond)
+
+	outcome.UpdatedAt = timestamppb.New(s.clock.Now())
+
+	if simulatedFailure != "" {
+		outcome.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+		outcome.FailureReason = simulatedFailure
+		observePayoutError(simulatedFailure, outcome.Amount)
+		s.store.Save(outcome)
+		s.emitEvent(outcome, nm.NAUpdated)
+		return
+	}
+
+	outcome.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_PROCESSED
+	observePayoutSuccess(outcome.Amount)
+	s.store.Save(outcome)
+	s.emitEvent(outcome, nm.NAUpdated)
+}
+
+func (s *Service) emitEvent(payout *mntxv1.Payout, action nm.NotificationAction) {
+	if payout == nil || s.producer == nil {
+		return
+	}
+
+	payload, err := protojson.Marshal(&mntxv1.PayoutStatusChangedEvent{Payout: payout})
+	if err != nil {
+		s.logger.Warn("failed to marshal payout event", zapError(err))
+		return
+	}
+
+	env := messaging.CreateEnvelope(string(mservice.MntxGateway), model.NewNotification(mservice.MntxGateway, action))
+	if _, err := env.Wrap(payload); err != nil {
+		s.logger.Warn("failed to wrap payout event payload", zapError(err))
+		return
+	}
+
+	if err := s.producer.SendMessage(env); err != nil {
+		s.logger.Warn("failed to publish payout event", zapError(err))
+	}
+}
+
+func zapError(err error) zap.Field {
+	return zap.Error(err)
+}
--- a/api/gateway/mntx/internal/service/gateway/payout_validation.go
+++ b/api/gateway/mntx/internal/service/gateway/payout_validation.go
@@ -0,0 +1,106 @@
+package gateway
+
+import (
+	"strconv"
+	"strings"
+
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/pkg/merrors"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func validateAmount(amount *moneyv1.Money) error {
+	if amount == nil {
+		return newPayoutError("missing_amount", merrors.InvalidArgument("amount is required", "amount"))
+	}
+
+	if strings.TrimSpace(amount.Currency) == "" {
+		return newPayoutError("missing_currency", merrors.InvalidArgument("amount currency is required", "amount.currency"))
+	}
+
+	val := strings.TrimSpace(amount.Amount)
+	if val == "" {
+		return newPayoutError("missing_amount_value", merrors.InvalidArgument("amount value is required", "amount.amount"))
+	}
+	dec, err := decimal.NewFromString(val)
+	if err != nil {
+		return newPayoutError("invalid_amount", merrors.InvalidArgument("amount must be a decimal value", "amount.amount"))
+	}
+	if dec.Sign() <= 0 {
+		return newPayoutError("non_positive_amount", merrors.InvalidArgument("amount must be positive", "amount.amount"))
+	}
+	return nil
+}
+
+func validateDestination(dest *mntxv1.PayoutDestination) error {
+	if dest == nil {
+		return newPayoutError("missing_destination", merrors.InvalidArgument("destination is required", "destination"))
+	}
+
+	if bank := dest.GetBankAccount(); bank != nil {
+		return validateBankAccount(bank)
+	}
+
+	if card := dest.GetCard(); card != nil {
+		return validateCardDestination(card)
+	}
+
+	return newPayoutError("invalid_destination", merrors.InvalidArgument("destination must include bank_account or card", "destination"))
+}
+
+func validateBankAccount(dest *mntxv1.BankAccount) error {
+	if dest == nil {
+		return newPayoutError("missing_destination", merrors.InvalidArgument("destination is required", "destination"))
+	}
+	iban := strings.TrimSpace(dest.Iban)
+	holder := strings.TrimSpace(dest.AccountHolder)
+
+	if iban == "" && holder == "" {
+		return newPayoutError("invalid_destination", merrors.InvalidArgument("destination must include iban or account_holder", "destination"))
+	}
+	return nil
+}
+
+func validateCardDestination(card *mntxv1.CardDestination) error {
+	if card == nil {
+		return newPayoutError("missing_destination", merrors.InvalidArgument("destination.card is required", "destination.card"))
+	}
+
+	pan := strings.TrimSpace(card.GetPan())
+	token := strings.TrimSpace(card.GetToken())
+	if pan == "" && token == "" {
+		return newPayoutError("invalid_card_destination", merrors.InvalidArgument("card destination must include pan or token", "destination.card"))
+	}
+
+	if strings.TrimSpace(card.GetCardholderName()) == "" {
+		return newPayoutError("missing_cardholder_name", merrors.InvalidArgument("cardholder_name is required", "destination.card.cardholder_name"))
+	}
+
+	month := strings.TrimSpace(card.GetExpMonth())
+	year := strings.TrimSpace(card.GetExpYear())
+	if pan != "" {
+		if err := validateExpiry(month, year); err != nil {
+			return err
+		}
+	}
+
+	return nil
+}
+
+func validateExpiry(month, year string) error {
+	if month == "" || year == "" {
+		return newPayoutError("missing_expiry", merrors.InvalidArgument("exp_month and exp_year are required for card payouts", "destination.card.expiry"))
+	}
+
+	m, err := strconv.Atoi(month)
+	if err != nil || m < 1 || m > 12 {
+		return newPayoutError("invalid_expiry_month", merrors.InvalidArgument("exp_month must be between 01 and 12", "destination.card.exp_month"))
+	}
+
+	if _, err := strconv.Atoi(year); err != nil || len(year) < 2 {
+		return newPayoutError("invalid_expiry_year", merrors.InvalidArgument("exp_year must be numeric", "destination.card.exp_year"))
+	}
+
+	return nil
+}
--- a/api/gateway/mntx/internal/service/gateway/service.go
+++ b/api/gateway/mntx/internal/service/gateway/service.go
@@ -0,0 +1,119 @@
+package gateway
+
+import (
+	"context"
+	"net/http"
+	"strings"
+
+	"github.com/google/uuid"
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	"github.com/tech/sendico/pkg/api/routers"
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	clockpkg "github.com/tech/sendico/pkg/clock"
+	msg "github.com/tech/sendico/pkg/messaging"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/mservice"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"google.golang.org/grpc"
+)
+
+type Service struct {
+	logger     mlogger.Logger
+	clock      clockpkg.Clock
+	producer   msg.Producer
+	store      *payoutStore
+	cardStore  *cardPayoutStore
+	config     monetix.Config
+	httpClient *http.Client
+	card       *cardPayoutProcessor
+
+	mntxv1.UnimplementedMntxGatewayServiceServer
+}
+
+type payoutFailure interface {
+	error
+	Reason() string
+}
+
+type reasonedError struct {
+	reason string
+	err    error
+}
+
+func (r reasonedError) Error() string {
+	return r.err.Error()
+}
+
+func (r reasonedError) Unwrap() error {
+	return r.err
+}
+
+func (r reasonedError) Reason() string {
+	return r.reason
+}
+
+// NewService constructs the Monetix gateway service skeleton.
+func NewService(logger mlogger.Logger, opts ...Option) *Service {
+	svc := &Service{
+		logger:    logger.Named("service"),
+		clock:     clockpkg.NewSystem(),
+		store:     newPayoutStore(),
+		cardStore: newCardPayoutStore(),
+		config:    monetix.DefaultConfig(),
+	}
+
+	initMetrics()
+
+	for _, opt := range opts {
+		if opt != nil {
+			opt(svc)
+		}
+	}
+
+	if svc.clock == nil {
+		svc.clock = clockpkg.NewSystem()
+	}
+
+	if svc.httpClient == nil {
+		svc.httpClient = &http.Client{Timeout: svc.config.Timeout()}
+	} else if svc.httpClient.Timeout <= 0 {
+		svc.httpClient.Timeout = svc.config.Timeout()
+	}
+
+	if svc.cardStore == nil {
+		svc.cardStore = newCardPayoutStore()
+	}
+
+	svc.card = newCardPayoutProcessor(svc.logger, svc.config, svc.clock, svc.cardStore, svc.httpClient, svc.producer)
+
+	return svc
+}
+
+// Register wires the service onto the provided gRPC router.
+func (s *Service) Register(router routers.GRPC) error {
+	return router.Register(func(reg grpc.ServiceRegistrar) {
+		mntxv1.RegisterMntxGatewayServiceServer(reg, s)
+	})
+}
+
+func executeUnary[TReq any, TResp any](ctx context.Context, svc *Service, method string, handler func(context.Context, *TReq) gsresponse.Responder[TResp], req *TReq) (*TResp, error) {
+	start := svc.clock.Now()
+	resp, err := gsresponse.Unary(svc.logger, mservice.MntxGateway, handler)(ctx, req)
+	observeRPC(method, err, svc.clock.Now().Sub(start))
+	return resp, err
+}
+
+func newPayoutRef() string {
+	return "pyt_" + strings.ReplaceAll(uuid.New().String(), "-", "")
+}
+
+func normalizeReason(reason string) string {
+	return strings.ToLower(strings.TrimSpace(reason))
+}
+
+func newPayoutError(reason string, err error) error {
+	return reasonedError{
+		reason: normalizeReason(reason),
+		err:    err,
+	}
+}
--- a/api/gateway/mntx/internal/service/monetix/client.go
+++ b/api/gateway/mntx/internal/service/monetix/client.go
@@ -0,0 +1,66 @@
+package monetix
+
+import (
+	"context"
+	"crypto/hmac"
+	"crypto/sha256"
+	"encoding/hex"
+	"encoding/json"
+	"net/http"
+
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"go.uber.org/zap"
+)
+
+type Client struct {
+	cfg    Config
+	client *http.Client
+	logger mlogger.Logger
+}
+
+func NewClient(cfg Config, httpClient *http.Client, logger mlogger.Logger) *Client {
+	client := httpClient
+	if client == nil {
+		client = &http.Client{Timeout: cfg.timeout()}
+	}
+	cl := logger
+	if cl == nil {
+		cl = zap.NewNop()
+	}
+	return &Client{
+		cfg:    cfg,
+		client: client,
+		logger: cl.Named("monetix_client"),
+	}
+}
+
+func (c *Client) CreateCardPayout(ctx context.Context, req CardPayoutRequest) (*CardPayoutSendResult, error) {
+	return c.sendCardPayout(ctx, req)
+}
+
+func (c *Client) CreateCardTokenPayout(ctx context.Context, req CardTokenPayoutRequest) (*CardPayoutSendResult, error) {
+	return c.sendCardTokenPayout(ctx, req)
+}
+
+func (c *Client) CreateCardTokenization(ctx context.Context, req CardTokenizeRequest) (*TokenizationResult, error) {
+	return c.sendTokenization(ctx, req)
+}
+
+func signPayload(payload any, secret string) (string, error) {
+	data, err := json.Marshal(payload)
+	if err != nil {
+		return "", err
+	}
+
+	h := hmac.New(sha256.New, []byte(secret))
+	if _, err := h.Write(data); err != nil {
+		return "", err
+	}
+	return hex.EncodeToString(h.Sum(nil)), nil
+}
+
+// SignPayload exposes signature calculation for callback verification.
+func SignPayload(payload any, secret string) (string, error) {
+	return signPayload(payload, secret)
+}
--- a/api/gateway/mntx/internal/service/monetix/config.go
+++ b/api/gateway/mntx/internal/service/monetix/config.go
@@ -0,0 +1,78 @@
+package monetix
+
+import (
+	"strings"
+	"time"
+)
+
+const (
+	DefaultRequestTimeout   = 15 * time.Second
+	DefaultStatusSuccess    = "success"
+	DefaultStatusProcessing = "processing"
+
+	OutcomeSuccess    = "success"
+	OutcomeProcessing = "processing"
+	OutcomeDecline    = "decline"
+)
+
+// Config holds resolved settings for communicating with Monetix.
+type Config struct {
+	BaseURL                string
+	ProjectID              int64
+	SecretKey              string
+	AllowedCurrencies      []string
+	RequireCustomerAddress bool
+	RequestTimeout         time.Duration
+	StatusSuccess          string
+	StatusProcessing       string
+}
+
+func DefaultConfig() Config {
+	return Config{
+		RequestTimeout:   DefaultRequestTimeout,
+		StatusSuccess:    DefaultStatusSuccess,
+		StatusProcessing: DefaultStatusProcessing,
+	}
+}
+
+func (c Config) timeout() time.Duration {
+	if c.RequestTimeout <= 0 {
+		return DefaultRequestTimeout
+	}
+	return c.RequestTimeout
+}
+
+// Timeout exposes the configured HTTP timeout for external callers.
+func (c Config) Timeout() time.Duration {
+	return c.timeout()
+}
+
+func (c Config) CurrencyAllowed(code string) bool {
+	code = strings.ToUpper(strings.TrimSpace(code))
+	if code == "" {
+		return false
+	}
+	if len(c.AllowedCurrencies) == 0 {
+		return true
+	}
+	for _, allowed := range c.AllowedCurrencies {
+		if strings.EqualFold(strings.TrimSpace(allowed), code) {
+			return true
+		}
+	}
+	return false
+}
+
+func (c Config) SuccessStatus() string {
+	if strings.TrimSpace(c.StatusSuccess) == "" {
+		return DefaultStatusSuccess
+	}
+	return strings.ToLower(strings.TrimSpace(c.StatusSuccess))
+}
+
+func (c Config) ProcessingStatus() string {
+	if strings.TrimSpace(c.StatusProcessing) == "" {
+		return DefaultStatusProcessing
+	}
+	return strings.ToLower(strings.TrimSpace(c.StatusProcessing))
+}
--- a/api/gateway/mntx/internal/service/monetix/mask.go
+++ b/api/gateway/mntx/internal/service/monetix/mask.go
@@ -0,0 +1,21 @@
+package monetix
+
+import "strings"
+
+// MaskPAN redacts a primary account number by keeping the first 6 and last 4 digits.
+func MaskPAN(pan string) string {
+	p := strings.TrimSpace(pan)
+	if len(p) <= 4 {
+		return strings.Repeat("*", len(p))
+	}
+
+	if len(p) <= 10 {
+		return p[:2] + strings.Repeat("*", len(p)-4) + p[len(p)-2:]
+	}
+
+	maskLen := len(p) - 10
+	if maskLen < 0 {
+		maskLen = 0
+	}
+	return p[:6] + strings.Repeat("*", maskLen) + p[len(p)-4:]
+}
--- a/api/gateway/mntx/internal/service/monetix/metrics.go
+++ b/api/gateway/mntx/internal/service/monetix/metrics.go
@@ -0,0 +1,71 @@
+package monetix
+
+import (
+	"strings"
+	"sync"
+	"time"
+
+	"github.com/prometheus/client_golang/prometheus"
+	"github.com/prometheus/client_golang/prometheus/promauto"
+)
+
+var (
+	metricsOnce sync.Once
+
+	cardPayoutRequests  *prometheus.CounterVec
+	cardPayoutCallbacks *prometheus.CounterVec
+	cardPayoutLatency   *prometheus.HistogramVec
+)
+
+func initMetrics() {
+	metricsOnce.Do(func() {
+		cardPayoutRequests = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "card_payout_requests_total",
+			Help:      "Monetix card payout submissions grouped by outcome.",
+		}, []string{"outcome"})
+
+		cardPayoutCallbacks = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "card_payout_callbacks_total",
+			Help:      "Monetix card payout callbacks grouped by provider status.",
+		}, []string{"status"})
+
+		cardPayoutLatency = promauto.NewHistogramVec(prometheus.HistogramOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "card_payout_request_latency_seconds",
+			Help:      "Latency distribution for outbound Monetix card payout requests.",
+			Buckets:   prometheus.DefBuckets,
+		}, []string{"outcome"})
+	})
+}
+
+func observeRequest(outcome string, duration time.Duration) {
+	initMetrics()
+	outcome = strings.ToLower(strings.TrimSpace(outcome))
+	if outcome == "" {
+		outcome = "unknown"
+	}
+	if cardPayoutLatency != nil {
+		cardPayoutLatency.WithLabelValues(outcome).Observe(duration.Seconds())
+	}
+	if cardPayoutRequests != nil {
+		cardPayoutRequests.WithLabelValues(outcome).Inc()
+	}
+}
+
+// ObserveCallback records callback status for Monetix card payouts.
+func ObserveCallback(status string) {
+	initMetrics()
+	status = strings.TrimSpace(status)
+	if status == "" {
+		status = "unknown"
+	}
+	status = strings.ToLower(status)
+	if cardPayoutCallbacks != nil {
+		cardPayoutCallbacks.WithLabelValues(status).Inc()
+	}
+}
--- a/api/gateway/mntx/internal/service/monetix/payloads.go
+++ b/api/gateway/mntx/internal/service/monetix/payloads.go
@@ -0,0 +1,96 @@
+package monetix
+
+type General struct {
+	ProjectID int64  `json:"project_id"`
+	PaymentID string `json:"payment_id"`
+	Signature string `json:"signature,omitempty"`
+}
+
+type Customer struct {
+	ID        string `json:"id"`
+	FirstName string `json:"first_name"`
+	Middle    string `json:"middle_name,omitempty"`
+	LastName  string `json:"last_name"`
+	IP        string `json:"ip_address"`
+
+	Zip     string `json:"zip,omitempty"`
+	Country string `json:"country,omitempty"`
+	State   string `json:"state,omitempty"`
+	City    string `json:"city,omitempty"`
+	Address string `json:"address,omitempty"`
+}
+
+type Payment struct {
+	Amount   int64  `json:"amount"`
+	Currency string `json:"currency"`
+}
+
+type Card struct {
+	PAN        string `json:"pan"`
+	Year       int    `json:"year,omitempty"`
+	Month      int    `json:"month,omitempty"`
+	CardHolder string `json:"card_holder"`
+}
+
+type CardTokenize struct {
+	PAN        string `json:"pan"`
+	Year       int    `json:"year,omitempty"`
+	Month      int    `json:"month,omitempty"`
+	CardHolder string `json:"card_holder"`
+	CVV        string `json:"cvv,omitempty"`
+}
+
+type Token struct {
+	CardToken  string `json:"card_token"`
+	CardHolder string `json:"card_holder,omitempty"`
+	MaskedPAN  string `json:"masked_pan,omitempty"`
+}
+
+type CardPayoutRequest struct {
+	General  General  `json:"general"`
+	Customer Customer `json:"customer"`
+	Payment  Payment  `json:"payment"`
+	Card     Card     `json:"card"`
+}
+
+type CardTokenPayoutRequest struct {
+	General  General  `json:"general"`
+	Customer Customer `json:"customer"`
+	Payment  Payment  `json:"payment"`
+	Token    Token    `json:"token"`
+}
+
+type CardTokenizeRequest struct {
+	General  General      `json:"general"`
+	Customer Customer     `json:"customer"`
+	Card     CardTokenize `json:"card"`
+}
+
+type CardPayoutSendResult struct {
+	Accepted          bool
+	ProviderRequestID string
+	StatusCode        int
+	ErrorCode         string
+	ErrorMessage      string
+}
+
+type TokenizationResult struct {
+	CardPayoutSendResult
+	Token       string
+	MaskedPAN   string
+	ExpiryMonth string
+	ExpiryYear  string
+	CardBrand   string
+}
+
+type APIResponse struct {
+	RequestID string `json:"request_id"`
+	Message   string `json:"message"`
+	Code      string `json:"code"`
+	Operation struct {
+		RequestID string `json:"request_id"`
+		Status    string `json:"status"`
+		Code      string `json:"code"`
+		Message   string `json:"message"`
+	} `json:"operation"`
+}
--- a/api/gateway/mntx/internal/service/monetix/sender.go
+++ b/api/gateway/mntx/internal/service/monetix/sender.go
@@ -0,0 +1,290 @@
+package monetix
+
+import (
+	"bytes"
+	"context"
+	"encoding/json"
+	"io"
+	"net/http"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/pkg/merrors"
+	"go.uber.org/zap"
+)
+
+const (
+	outcomeAccepted     = "accepted"
+	outcomeHTTPError    = "http_error"
+	outcomeNetworkError = "network_error"
+)
+
+// sendCardPayout dispatches a PAN-based payout.
+func (c *Client) sendCardPayout(ctx context.Context, req CardPayoutRequest) (*CardPayoutSendResult, error) {
+	maskedPAN := MaskPAN(req.Card.PAN)
+	return c.send(ctx, &req, "/v2/payment/card/payout",
+		func() {
+			c.logger.Info("dispatching Monetix card payout",
+				zap.String("payout_id", req.General.PaymentID),
+				zap.Int64("amount_minor", req.Payment.Amount),
+				zap.String("currency", req.Payment.Currency),
+				zap.String("pan", maskedPAN),
+			)
+		},
+		func(r *CardPayoutSendResult) {
+			c.logger.Info("Monetix payout response",
+				zap.String("payout_id", req.General.PaymentID),
+				zap.Bool("accepted", r.Accepted),
+				zap.Int("status_code", r.StatusCode),
+				zap.String("provider_request_id", r.ProviderRequestID),
+				zap.String("error_code", r.ErrorCode),
+				zap.String("error_message", r.ErrorMessage),
+			)
+		})
+}
+
+// sendCardTokenPayout dispatches a token-based payout.
+func (c *Client) sendCardTokenPayout(ctx context.Context, req CardTokenPayoutRequest) (*CardPayoutSendResult, error) {
+	return c.send(ctx, &req, "/v2/payment/card/payout/token",
+		func() {
+			c.logger.Info("dispatching Monetix card token payout",
+				zap.String("payout_id", req.General.PaymentID),
+				zap.Int64("amount_minor", req.Payment.Amount),
+				zap.String("currency", req.Payment.Currency),
+				zap.String("masked_pan", req.Token.MaskedPAN),
+			)
+		},
+		func(r *CardPayoutSendResult) {
+			c.logger.Info("Monetix token payout response",
+				zap.String("payout_id", req.General.PaymentID),
+				zap.Bool("accepted", r.Accepted),
+				zap.Int("status_code", r.StatusCode),
+				zap.String("provider_request_id", r.ProviderRequestID),
+				zap.String("error_code", r.ErrorCode),
+				zap.String("error_message", r.ErrorMessage),
+			)
+		})
+}
+
+// sendTokenization sends a tokenization request.
+func (c *Client) sendTokenization(ctx context.Context, req CardTokenizeRequest) (*TokenizationResult, error) {
+	if ctx == nil {
+		ctx = context.Background()
+	}
+	if c == nil {
+		return nil, merrors.Internal("monetix client not initialised")
+	}
+	if strings.TrimSpace(c.cfg.SecretKey) == "" {
+		return nil, merrors.Internal("monetix secret key not configured")
+	}
+	if strings.TrimSpace(c.cfg.BaseURL) == "" {
+		return nil, merrors.Internal("monetix base url not configured")
+	}
+
+	req.General.Signature = ""
+	signature, err := signPayload(req, c.cfg.SecretKey)
+	if err != nil {
+		return nil, merrors.Internal("failed to sign request: " + err.Error())
+	}
+	req.General.Signature = signature
+
+	payload, err := json.Marshal(req)
+	if err != nil {
+		return nil, merrors.Internal("failed to marshal request payload: " + err.Error())
+	}
+
+	url := strings.TrimRight(c.cfg.BaseURL, "/") + "/v1/tokenize"
+	httpReq, err := http.NewRequestWithContext(ctx, http.MethodPost, url, bytes.NewReader(payload))
+	if err != nil {
+		return nil, merrors.Internal("failed to build request: " + err.Error())
+	}
+	httpReq.Header.Set("Content-Type", "application/json")
+	httpReq.Header.Set("Accept", "application/json")
+
+	c.logger.Info("dispatching Monetix card tokenization",
+		zap.String("request_id", req.General.PaymentID),
+		zap.String("masked_pan", MaskPAN(req.Card.PAN)),
+	)
+
+	start := time.Now()
+	resp, err := c.client.Do(httpReq)
+	duration := time.Since(start)
+	if err != nil {
+		observeRequest(outcomeNetworkError, duration)
+		c.logger.Warn("monetix tokenization request failed", zap.Error(err))
+		return nil, merrors.Internal("monetix tokenization request failed: " + err.Error())
+	}
+	defer resp.Body.Close()
+
+	body, _ := io.ReadAll(resp.Body)
+	outcome := outcomeAccepted
+	if resp.StatusCode < 200 || resp.StatusCode >= 300 {
+		outcome = outcomeHTTPError
+	}
+	observeRequest(outcome, duration)
+
+	result := &TokenizationResult{
+		CardPayoutSendResult: CardPayoutSendResult{
+			Accepted:   resp.StatusCode >= 200 && resp.StatusCode < 300,
+			StatusCode: resp.StatusCode,
+		},
+	}
+
+	var apiResp APIResponse
+	if len(body) > 0 {
+		if err := json.Unmarshal(body, &apiResp); err != nil {
+			c.logger.Warn("failed to decode Monetix tokenization response", zap.String("request_id", req.General.PaymentID), zap.Int("status_code", resp.StatusCode), zap.Error(err))
+		} else {
+			var tokenData struct {
+				Token       string `json:"token"`
+				MaskedPAN   string `json:"masked_pan"`
+				ExpiryMonth string `json:"expiry_month"`
+				ExpiryYear  string `json:"expiry_year"`
+				CardBrand   string `json:"card_brand"`
+			}
+			_ = json.Unmarshal(body, &tokenData)
+			result.Token = tokenData.Token
+			result.MaskedPAN = tokenData.MaskedPAN
+			result.ExpiryMonth = tokenData.ExpiryMonth
+			result.ExpiryYear = tokenData.ExpiryYear
+			result.CardBrand = tokenData.CardBrand
+		}
+	}
+
+	if apiResp.Operation.RequestID != "" {
+		result.ProviderRequestID = apiResp.Operation.RequestID
+	} else if apiResp.RequestID != "" {
+		result.ProviderRequestID = apiResp.RequestID
+	}
+
+	if !result.Accepted {
+		result.ErrorCode = apiResp.Code
+		if result.ErrorCode == "" {
+			result.ErrorCode = http.StatusText(resp.StatusCode)
+		}
+		result.ErrorMessage = apiResp.Message
+		if result.ErrorMessage == "" {
+			result.ErrorMessage = apiResp.Operation.Message
+		}
+	}
+
+	c.logger.Info("Monetix tokenization response",
+		zap.String("request_id", req.General.PaymentID),
+		zap.Bool("accepted", result.Accepted),
+		zap.Int("status_code", resp.StatusCode),
+		zap.String("provider_request_id", result.ProviderRequestID),
+		zap.String("error_code", result.ErrorCode),
+		zap.String("error_message", result.ErrorMessage),
+	)
+
+	return result, nil
+}
+
+func (c *Client) send(ctx context.Context, req any, path string, dispatchLog func(), responseLog func(*CardPayoutSendResult)) (*CardPayoutSendResult, error) {
+	if ctx == nil {
+		ctx = context.Background()
+	}
+	if c == nil {
+		return nil, merrors.Internal("monetix client not initialised")
+	}
+	if strings.TrimSpace(c.cfg.SecretKey) == "" {
+		return nil, merrors.Internal("monetix secret key not configured")
+	}
+	if strings.TrimSpace(c.cfg.BaseURL) == "" {
+		return nil, merrors.Internal("monetix base url not configured")
+	}
+
+	setSignature, err := clearSignature(req)
+	if err != nil {
+		return nil, err
+	}
+	signature, err := signPayload(req, c.cfg.SecretKey)
+	if err != nil {
+		return nil, merrors.Internal("failed to sign request: " + err.Error())
+	}
+	setSignature(signature)
+
+	payload, err := json.Marshal(req)
+	if err != nil {
+		return nil, merrors.Internal("failed to marshal request payload: " + err.Error())
+	}
+
+	url := strings.TrimRight(c.cfg.BaseURL, "/") + path
+	httpReq, err := http.NewRequestWithContext(ctx, http.MethodPost, url, bytes.NewReader(payload))
+	if err != nil {
+		return nil, merrors.Internal("failed to build request: " + err.Error())
+	}
+	httpReq.Header.Set("Content-Type", "application/json")
+	httpReq.Header.Set("Accept", "application/json")
+
+	if dispatchLog != nil {
+		dispatchLog()
+	}
+
+	start := time.Now()
+	resp, err := c.client.Do(httpReq)
+	duration := time.Since(start)
+	if err != nil {
+		observeRequest(outcomeNetworkError, duration)
+		return nil, merrors.Internal("monetix request failed: " + err.Error())
+	}
+	defer resp.Body.Close()
+
+	body, _ := io.ReadAll(resp.Body)
+	outcome := outcomeAccepted
+	if resp.StatusCode < 200 || resp.StatusCode >= 300 {
+		outcome = outcomeHTTPError
+	}
+	observeRequest(outcome, duration)
+
+	result := &CardPayoutSendResult{
+		Accepted:   resp.StatusCode >= 200 && resp.StatusCode < 300,
+		StatusCode: resp.StatusCode,
+	}
+
+	var apiResp APIResponse
+	if len(body) > 0 {
+		if err := json.Unmarshal(body, &apiResp); err != nil {
+			c.logger.Warn("failed to decode Monetix response", zap.Int("status_code", resp.StatusCode), zap.Error(err))
+		}
+	}
+
+	if apiResp.Operation.RequestID != "" {
+		result.ProviderRequestID = apiResp.Operation.RequestID
+	} else if apiResp.RequestID != "" {
+		result.ProviderRequestID = apiResp.RequestID
+	}
+
+	if !result.Accepted {
+		result.ErrorCode = apiResp.Code
+		if result.ErrorCode == "" {
+			result.ErrorCode = http.StatusText(resp.StatusCode)
+		}
+		result.ErrorMessage = apiResp.Message
+		if result.ErrorMessage == "" {
+			result.ErrorMessage = apiResp.Operation.Message
+		}
+	}
+
+	if responseLog != nil {
+		responseLog(result)
+	}
+
+	return result, nil
+}
+
+func clearSignature(req any) (func(string), error) {
+	switch r := req.(type) {
+	case *CardPayoutRequest:
+		r.General.Signature = ""
+		return func(sig string) { r.General.Signature = sig }, nil
+	case *CardTokenPayoutRequest:
+		r.General.Signature = ""
+		return func(sig string) { r.General.Signature = sig }, nil
+	case *CardTokenizeRequest:
+		r.General.Signature = ""
+		return func(sig string) { r.General.Signature = sig }, nil
+	default:
+		return nil, merrors.Internal("unsupported monetix payload type for signing")
+	}
+}
--- a/api/gateway/mntx/main.go
+++ b/api/gateway/mntx/main.go
@@ -0,0 +1,17 @@
+package main
+
+import (
+	"github.com/tech/sendico/gateway/mntx/internal/appversion"
+	si "github.com/tech/sendico/gateway/mntx/internal/server"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/server"
+	smain "github.com/tech/sendico/pkg/server/main"
+)
+
+func factory(logger mlogger.Logger, file string, debug bool) (server.Application, error) {
+	return si.Create(logger, file, debug)
+}
+
+func main() {
+	smain.RunServer("mntx_gateway", appversion.Create(), factory)
+}
--- a/api/pkg/model/card.go
+++ b/api/pkg/model/card.go
@@ -11,6 +11,10 @@ type CardPaymentData struct {
 	Pan       string `bson:"pan" json:"pan"`
 	FirstName string `bson:"firstName" json:"firstName"`
 	LastName  string `bson:"lastName" json:"lastName"`
+	ExpMonth  string `bson:"expMonth" json:"expMonth"`
+	ExpYear   string `bson:"expYear" json:"expYear"`
+	Network   string `bson:"network,omitempty" json:"network,omitempty"`
+	Country   string `bson:"country,omitempty" json:"country,omitempty"`
 }

 func (m *PaymentMethod) AsCard() (*CardPaymentData, error) {
--- a/api/pkg/model/crypto_address.go
+++ b/api/pkg/model/crypto_address.go
--- a/api/pkg/model/ctoken.go
+++ b/api/pkg/model/ctoken.go
@@ -0,0 +1,32 @@
+package model
+
+import (
+	"fmt"
+
+	"github.com/tech/sendico/pkg/merrors"
+	"go.mongodb.org/mongo-driver/bson"
+)
+
+// TokenPaymentData represents a network or gateway-issued card token.
+type TokenPaymentData struct {
+	Token          string `bson:"token" json:"token"`
+	Network        string `bson:"network,omitempty" json:"network,omitempty"`
+	Last4          string `bson:"last4,omitempty" json:"last4,omitempty"`
+	ExpMonth       string `bson:"expMonth,omitempty" json:"expMonth,omitempty"`
+	ExpYear        string `bson:"expYear,omitempty" json:"expYear,omitempty"`
+	CardholderName string `bson:"cardholderName,omitempty" json:"cardholderName,omitempty"`
+	Country        string `bson:"country,omitempty" json:"country,omitempty"`
+}
+
+func (m *PaymentMethod) AsCardToken() (*TokenPaymentData, error) {
+	if m.Type != PaymentTypeCardToken {
+		return nil, merrors.InvalidArgument(fmt.Sprintf("payment method type is %s, not cardToken", m.Type), "type")
+	}
+
+	var d TokenPaymentData
+	if err := bson.Unmarshal(m.Data, &d); err != nil {
+		return nil, err
+	}
+
+	return &d, nil
+}
--- a/api/pkg/model/payment.go
+++ b/api/pkg/model/payment.go
@@ -14,6 +14,7 @@ type PaymentType int
 const (
 	PaymentTypeIban PaymentType = iota
 	PaymentTypeCard
+	PaymentTypeCardToken
 	PaymentTypeBankAccount
 	PaymentTypeWallet
 	PaymentTypeCryptoAddress
@@ -22,6 +23,7 @@ const (
 var paymentTypeToString = map[PaymentType]string{
 	PaymentTypeIban:          "iban",
 	PaymentTypeCard:          "card",
+	PaymentTypeCardToken:     "cardToken",
 	PaymentTypeBankAccount:   "bankAccount",
 	PaymentTypeWallet:        "wallet",
 	PaymentTypeCryptoAddress: "cryptoAddress",
@@ -30,6 +32,7 @@ var paymentTypeToString = map[PaymentType]string{
 var paymentTypeFromString = map[string]PaymentType{
 	"iban":          PaymentTypeIban,
 	"card":          PaymentTypeCard,
+	"cardToken":     PaymentTypeCardToken,
 	"bankAccount":   PaymentTypeBankAccount,
 	"wallet":        PaymentTypeWallet,
 	"cryptoAddress": PaymentTypeCryptoAddress,
--- a/api/pkg/mservice/services.go
+++ b/api/pkg/mservice/services.go
@@ -12,6 +12,7 @@ const (
 	Changes             Type = "changes"                // Tracks changes made to resources
 	Clients             Type = "clients"                // Represents client information
 	ChainGateway        Type = "chain_gateway"          // Represents chain gateway microservice
+	MntxGateway         Type = "mntx_gateway"           // Represents Monetix gateway microservice
 	FXOracle            Type = "fx_oracle"              // Represents FX oracle microservice
 	FeePlans            Type = "fee_plans"              // Represents fee plans microservice
 	FilterProjects      Type = "filter_projects"        // Represents comments on tasks or other resources
@@ -49,7 +50,7 @@ const (
 func StringToSType(s string) (Type, error) {
 	switch Type(s) {
 	case Accounts, Confirmations, Amplitude, Site, Changes, Clients, ChainGateway, ChainWallets, ChainWalletBalances,
-		ChainTransfers, ChainDeposits, FXOracle, FeePlans, FilterProjects, Invitations, Invoices, Logo, Ledger,
+		ChainTransfers, ChainDeposits, MntxGateway, FXOracle, FeePlans, FilterProjects, Invitations, Invoices, Logo, Ledger,
 		LedgerAccounts, LedgerBalances, LedgerEntries, LedgerOutbox, LedgerParties, LedgerPlines, Notifications,
 		Organizations, Payments, PaymentOrchestrator, Permissions, Policies, PolicyAssignements,
 		RefreshTokens, Roles, Storage, Tenants, Workflows:
--- a/api/proto/gateway/mntx/v1/mntx.proto
+++ b/api/proto/gateway/mntx/v1/mntx.proto
@@ -0,0 +1,238 @@
+syntax = "proto3";
+
+package mntx.gateway.v1;
+
+option go_package = "github.com/tech/sendico/pkg/proto/gateway/mntx/v1;mntxv1";
+
+import "google/protobuf/timestamp.proto";
+import "common/money/v1/money.proto";
+
+// Status of a payout request handled by Monetix.
+enum PayoutStatus {
+  PAYOUT_STATUS_UNSPECIFIED = 0;
+  PAYOUT_STATUS_PENDING = 1;
+  PAYOUT_STATUS_PROCESSED = 2;
+  PAYOUT_STATUS_FAILED = 3;
+}
+
+// Basic destination data for the payout.
+message BankAccount {
+  string iban = 1;
+  string bic = 2;
+  string account_holder = 3;
+  string country = 4;
+}
+
+// Card destination for payouts (PAN-based or tokenized).
+message CardDestination {
+  oneof card {
+    string pan = 1;   // raw primary account number
+    string token = 2; // network or gateway-issued token
+  }
+  string cardholder_name = 3;
+  string exp_month = 4;
+  string exp_year = 5;
+  string country = 6;
+}
+
+// Wrapper allowing multiple payout destination types.
+message PayoutDestination {
+  oneof destination {
+    BankAccount bank_account = 1;
+    CardDestination card = 2;
+  }
+}
+
+message Payout {
+  string payout_ref = 1;
+  string idempotency_key = 2;
+  string organization_ref = 3;
+  PayoutDestination destination = 4;
+  common.money.v1.Money amount = 5;
+  string description = 6;
+  map<string, string> metadata = 7;
+  PayoutStatus status = 8;
+  string failure_reason = 9;
+  google.protobuf.Timestamp created_at = 10;
+  google.protobuf.Timestamp updated_at = 11;
+}
+
+message SubmitPayoutRequest {
+  string idempotency_key = 1;
+  string organization_ref = 2;
+  PayoutDestination destination = 3;
+  common.money.v1.Money amount = 4;
+  string description = 5;
+  map<string, string> metadata = 6;
+  string simulated_failure_reason = 7; // optional trigger to force a failed payout for testing
+}
+
+message SubmitPayoutResponse {
+  Payout payout = 1;
+}
+
+message GetPayoutRequest {
+  string payout_ref = 1;
+}
+
+message GetPayoutResponse {
+  Payout payout = 1;
+}
+
+// Event emitted over messaging when payout status changes.
+message PayoutStatusChangedEvent {
+  Payout payout = 1;
+}
+
+// Request to initiate a Monetix card payout.
+message CardPayoutRequest {
+  string payout_id = 1;              // internal payout id, mapped to Monetix payment_id
+  int64 project_id = 2;              // optional override; defaults to configured project id
+  string customer_id = 3;
+  string customer_first_name = 4;
+  string customer_middle_name = 5;
+  string customer_last_name = 6;
+  string customer_ip = 7;
+  string customer_zip = 8;
+  string customer_country = 9;
+  string customer_state = 10;
+  string customer_city = 11;
+  string customer_address = 12;
+  int64 amount_minor = 13;           // amount in minor units
+  string currency = 14;              // ISO-4217 alpha-3
+  string card_pan = 15;
+  uint32 card_exp_year = 16;
+  uint32 card_exp_month = 17;
+  string card_holder = 18;
+  map<string, string> metadata = 30;
+}
+
+// Persisted payout state for retrieval and status updates.
+message CardPayoutState {
+  string payout_id = 1;
+  int64 project_id = 2;
+  string customer_id = 3;
+  int64 amount_minor = 4;
+  string currency = 5;
+  PayoutStatus status = 6;
+  string provider_code = 7;
+  string provider_message = 8;
+  string provider_payment_id = 9;
+  google.protobuf.Timestamp created_at = 10;
+  google.protobuf.Timestamp updated_at = 11;
+}
+
+// Response returned immediately after submitting a payout to Monetix.
+message CardPayoutResponse {
+  CardPayoutState payout = 1;
+  bool accepted = 2;
+  string provider_request_id = 3;
+  string error_code = 4;
+  string error_message = 5;
+}
+
+message GetCardPayoutStatusRequest {
+  string payout_id = 1;
+}
+
+message GetCardPayoutStatusResponse {
+  CardPayoutState payout = 1;
+}
+
+// Event emitted when Monetix callback updates payout status.
+message CardPayoutStatusChangedEvent {
+  CardPayoutState payout = 1;
+}
+
+// Request to initiate a token-based card payout.
+message CardTokenPayoutRequest {
+  string payout_id = 1;
+  int64 project_id = 2;
+  string customer_id = 3;
+
+  string customer_first_name = 4;
+  string customer_middle_name = 5;
+  string customer_last_name = 6;
+  string customer_ip = 7;
+
+  string customer_zip = 8;
+  string customer_country = 9;
+  string customer_state = 10;
+  string customer_city = 11;
+  string customer_address = 12;
+
+  int64 amount_minor = 13;
+  string currency = 14;
+
+  string card_token = 15;
+  string card_holder = 16;
+  string masked_pan = 17;
+  map<string, string> metadata = 30;
+}
+
+// Response returned immediately after submitting a token payout to Monetix.
+message CardTokenPayoutResponse {
+  CardPayoutState payout = 1;
+  bool accepted = 2;
+  string provider_request_id = 3;
+  string error_code = 4;
+  string error_message = 5;
+}
+
+// Raw card details used for tokenization.
+message CardDetails {
+  string pan = 1;
+  uint32 exp_month = 2;
+  uint32 exp_year = 3;
+  string card_holder = 4;
+  string cvv = 5;
+}
+
+// Request to tokenize a card with Monetix.
+message CardTokenizeRequest {
+  string request_id = 1;
+  int64 project_id = 2;
+  string customer_id = 3;
+
+  string customer_first_name = 4;
+  string customer_middle_name = 5;
+  string customer_last_name = 6;
+  string customer_ip = 7;
+
+  string customer_zip = 8;
+  string customer_country = 9;
+  string customer_state = 10;
+  string customer_city = 11;
+  string customer_address = 12;
+
+  string card_pan = 13;
+  uint32 card_exp_month = 14;
+  uint32 card_exp_year = 15;
+  string card_holder = 16;
+  string card_cvv = 17;
+
+  // Preferred new card container for tokenization requests.
+  CardDetails card = 30;
+}
+
+// Response from Monetix tokenization.
+message CardTokenizeResponse {
+  string request_id = 1;
+  bool success = 2;
+  string token = 3;
+  string masked_pan = 4;
+  string expiry_month = 5;
+  string expiry_year = 6;
+  string card_brand = 7;
+  string error_code = 8;
+  string error_message = 9;
+}
+
+service MntxGatewayService {
+  rpc SubmitPayout(SubmitPayoutRequest) returns (SubmitPayoutResponse);
+  rpc GetPayout(GetPayoutRequest) returns (GetPayoutResponse);
+  rpc CreateCardPayout(CardPayoutRequest) returns (CardPayoutResponse);
+  rpc GetCardPayoutStatus(GetCardPayoutStatusRequest) returns (GetCardPayoutStatusResponse);
+  rpc CreateCardTokenPayout(CardTokenPayoutRequest) returns (CardTokenPayoutResponse);
+  rpc CreateCardToken(CardTokenizeRequest) returns (CardTokenizeResponse);
+}
--- a/ci/prod/.env.runtime
+++ b/ci/prod/.env.runtime
@@ -61,6 +61,16 @@ FX_INGESTOR_COMPOSE_PROJECT=sendico-fx-ingestor
 FX_INGESTOR_SERVICE_NAME=sendico_fx_ingestor
 FX_INGESTOR_METRICS_PORT=9102

+# Monetix gateway
+MNTX_GATEWAY_DIR=mntx_gateway
+MNTX_GATEWAY_COMPOSE_PROJECT=sendico-mntx-gateway
+MNTX_GATEWAY_SERVICE_NAME=sendico_mntx_gateway
+MNTX_GATEWAY_GRPC_PORT=50075
+MNTX_GATEWAY_METRICS_PORT=9404
+MNTX_GATEWAY_HTTP_PORT=8080
+MONETIX_BASE_URL=https://api.txflux.com
+
+
 # FX oracle stack
 FX_ORACLE_DIR=fx_oracle
 FX_ORACLE_COMPOSE_PROJECT=sendico-fx-oracle
--- a/ci/prod/compose/mntx_gateway.dockerfile
+++ b/ci/prod/compose/mntx_gateway.dockerfile
@@ -0,0 +1,42 @@
+# syntax=docker/dockerfile:1.7
+
+ARG TARGETOS=linux
+ARG TARGETARCH=amd64
+
+FROM golang:alpine AS build
+ARG APP_VERSION=dev
+ARG GIT_REV=unknown
+ARG BUILD_BRANCH=unknown
+ARG BUILD_DATE=unknown
+ARG BUILD_USER=ci
+ENV GO111MODULE=on
+ENV PATH="/go/bin:${PATH}"
+WORKDIR /src
+COPY . .
+RUN apk add --no-cache bash git build-base protoc protobuf-dev \
+ && go install google.golang.org/protobuf/cmd/protoc-gen-go@latest \
+ && go install google.golang.org/grpc/cmd/protoc-gen-go-grpc@latest \
+ && bash ci/scripts/proto/generate.sh
+WORKDIR /src/api/gateway/mntx
+RUN --mount=type=cache,target=/root/.cache/go-build \
+    --mount=type=cache,target=/go/pkg/mod \
+    CGO_ENABLED=0 GOOS=${TARGETOS} GOARCH=${TARGETARCH} \
+    go build -trimpath -ldflags "\
+      -s -w \
+      -X github.com/tech/sendico/gateway/mntx/internal/appversion.Version=${APP_VERSION} \
+      -X github.com/tech/sendico/gateway/mntx/internal/appversion.Revision=${GIT_REV} \
+      -X github.com/tech/sendico/gateway/mntx/internal/appversion.Branch=${BUILD_BRANCH} \
+      -X github.com/tech/sendico/gateway/mntx/internal/appversion.BuildUser=${BUILD_USER} \
+      -X github.com/tech/sendico/gateway/mntx/internal/appversion.BuildDate=${BUILD_DATE}" \
+    -o /out/mntx-gateway .
+
+FROM alpine:latest AS runtime
+RUN apk add --no-cache ca-certificates tzdata wget
+WORKDIR /app
+COPY api/gateway/mntx/config.yml /app/config.yml
+COPY api/gateway/mntx/entrypoint.sh /app/entrypoint.sh
+COPY --from=build /out/mntx-gateway /app/mntx-gateway
+RUN chmod +x /app/entrypoint.sh
+EXPOSE 50075 9404 8080
+ENTRYPOINT ["/app/entrypoint.sh"]
+CMD ["/app/mntx-gateway","--config.file","/app/config.yml"]
--- a/ci/prod/compose/mntx_gateway.yml
+++ b/ci/prod/compose/mntx_gateway.yml
@@ -0,0 +1,40 @@
+# Compose v2 - Monetix Gateway
+
+x-common-env: &common-env
+  env_file:
+    - ../env/.env.runtime
+    - ../env/.env.version
+
+networks:
+  sendico-net:
+    external: true
+    name: sendico-net
+
+services:
+  sendico_mntx_gateway:
+    <<: *common-env
+    container_name: sendico-mntx-gateway
+    restart: unless-stopped
+    image: ${REGISTRY_URL}/gateway/mntx:${APP_V}
+    pull_policy: always
+    environment:
+      NATS_URL: ${NATS_URL}
+      NATS_HOST: ${NATS_HOST}
+      NATS_PORT: ${NATS_PORT}
+      NATS_USER: ${NATS_USER}
+      NATS_PASSWORD: ${NATS_PASSWORD}
+      MONETIX_PROJECT_ID: ${MONETIX_PROJECT_ID}
+      MONETIX_SECRET_KEY: ${MONETIX_SECRET_KEY}
+    command: ["--config.file", "/app/config.yml"]
+    ports:
+      - "0.0.0.0:${MNTX_GATEWAY_GRPC_PORT:-50075}:50075"
+      - "0.0.0.0:${MNTX_GATEWAY_METRICS_PORT:-9404}:9404"
+      - "0.0.0.0:${MNTX_GATEWAY_HTTP_PORT:-8080}:8080"
+    healthcheck:
+      test: ["CMD-SHELL","wget -qO- http://localhost:9404/health | grep -q '\"status\":\"ok\"'"]
+      interval: 30s
+      timeout: 10s
+      retries: 3
+      start_period: 60s
+    networks:
+      - sendico-net
--- a/ci/prod/scripts/deploy/mntx_gateway.sh
+++ b/ci/prod/scripts/deploy/mntx_gateway.sh
@@ -0,0 +1,149 @@
+#!/usr/bin/env bash
+set -euo pipefail
+[[ "${DEBUG_DEPLOY:-0}" = "1" ]] && set -x
+trap 'echo "[deploy-mntx-gateway] error at line $LINENO" >&2' ERR
+
+: "${REMOTE_BASE:?missing REMOTE_BASE}"
+: "${SSH_USER:?missing SSH_USER}"
+: "${SSH_HOST:?missing SSH_HOST}"
+: "${MNTX_GATEWAY_DIR:?missing MNTX_GATEWAY_DIR}"
+: "${MNTX_GATEWAY_COMPOSE_PROJECT:?missing MNTX_GATEWAY_COMPOSE_PROJECT}"
+: "${MNTX_GATEWAY_SERVICE_NAME:?missing MNTX_GATEWAY_SERVICE_NAME}"
+
+REMOTE_DIR="${REMOTE_BASE%/}/${MNTX_GATEWAY_DIR}"
+REMOTE_TARGET="${SSH_USER}@${SSH_HOST}"
+COMPOSE_FILE="mntx_gateway.yml"
+SERVICE_NAMES="${MNTX_GATEWAY_SERVICE_NAME}"
+
+REQUIRED_SECRETS=(
+  NATS_USER
+  NATS_PASSWORD
+  NATS_URL
+  MONETIX_PROJECT_ID
+  MONETIX_SECRET_KEY
+)
+
+for var in "${REQUIRED_SECRETS[@]}"; do
+  if [[ -z "${!var:-}" ]]; then
+    echo "missing required secret env: ${var}" >&2
+    exit 65
+  fi
+done
+
+if [[ ! -s .env.version ]]; then
+  echo ".env.version is missing; run version step first" >&2
+  exit 66
+fi
+
+b64enc() {
+  printf '%s' "$1" | base64 | tr -d '\n'
+}
+
+NATS_USER_B64="$(b64enc "${NATS_USER}")"
+NATS_PASSWORD_B64="$(b64enc "${NATS_PASSWORD}")"
+NATS_URL_B64="$(b64enc "${NATS_URL}")"
+MONETIX_PROJECT_ID_B64="$(b64enc "${MONETIX_PROJECT_ID}")"
+MONETIX_SECRET_KEY_B64="$(b64enc "${MONETIX_SECRET_KEY}")"
+
+SSH_OPTS=(
+  -i /root/.ssh/id_rsa
+  -o StrictHostKeyChecking=no
+  -o UserKnownHostsFile=/dev/null
+  -o LogLevel=ERROR
+  -q
+)
+if [[ "${DEBUG_DEPLOY:-0}" = "1" ]]; then
+  SSH_OPTS=("${SSH_OPTS[@]/-q/}" -vv)
+fi
+
+RSYNC_FLAGS=(-az --delete)
+[[ "${DEBUG_DEPLOY:-0}" = "1" ]] && RSYNC_FLAGS=(-avz --delete)
+
+ssh "${SSH_OPTS[@]}" "$REMOTE_TARGET" "mkdir -p ${REMOTE_DIR}/compose ${REMOTE_DIR}/env"
+
+rsync "${RSYNC_FLAGS[@]}" -e "ssh ${SSH_OPTS[*]}" ci/prod/compose/ "$REMOTE_TARGET:${REMOTE_DIR}/compose/"
+rsync "${RSYNC_FLAGS[@]}" -e "ssh ${SSH_OPTS[*]}" ci/prod/.env.runtime "$REMOTE_TARGET:${REMOTE_DIR}/env/.env.runtime"
+rsync "${RSYNC_FLAGS[@]}" -e "ssh ${SSH_OPTS[*]}" .env.version         "$REMOTE_TARGET:${REMOTE_DIR}/env/.env.version"
+
+SERVICES_LINE="${SERVICE_NAMES}"
+
+ssh "${SSH_OPTS[@]}" "$REMOTE_TARGET" \
+  REMOTE_DIR="$REMOTE_DIR" \
+  COMPOSE_FILE="$COMPOSE_FILE" \
+  COMPOSE_PROJECT="$MNTX_GATEWAY_COMPOSE_PROJECT" \
+  SERVICES_LINE="$SERVICES_LINE" \
+  NATS_USER_B64="$NATS_USER_B64" \
+  NATS_PASSWORD_B64="$NATS_PASSWORD_B64" \
+  NATS_URL_B64="$NATS_URL_B64" \
+  MONETIX_PROJECT_ID_B64="$MONETIX_PROJECT_ID_B64" \
+  MONETIX_SECRET_KEY_B64="$MONETIX_SECRET_KEY_B64" \
+  bash -s <<'EOSSH'
+set -euo pipefail
+cd "${REMOTE_DIR}/compose"
+set -a
+. ../env/.env.runtime
+load_kv_file() {
+  local file="$1"
+  while IFS= read -r line || [ -n "$line" ]; do
+    case "$line" in
+      ''|\#*) continue ;;
+    esac
+    if printf '%s' "$line" | grep -Eq '^[[:alpha:]_][[:alnum:]_]*='; then
+      local key="${line%%=*}"
+      local value="${line#*=}"
+      key="$(printf '%s' "$key" | tr -d '[:space:]')"
+      value="${value#"${value%%[![:space:]]*}"}"
+      value="${value%"${value##*[![:space:]]}"}"
+      if [[ -n "$key" ]]; then
+        export "$key=$value"
+      fi
+    fi
+  done <"$file"
+}
+load_kv_file ../env/.env.version
+set +a
+
+if base64 -d >/dev/null 2>&1 <<<'AA=='; then
+  BASE64_DECODE_FLAG='-d'
+else
+  BASE64_DECODE_FLAG='--decode'
+fi
+
+decode_b64() {
+  val="$1"
+  if [[ -z "$val" ]]; then
+    printf ''
+    return
+  fi
+  printf '%s' "$val" | base64 "${BASE64_DECODE_FLAG}"
+}
+
+NATS_USER="$(decode_b64 "$NATS_USER_B64")"
+NATS_PASSWORD="$(decode_b64 "$NATS_PASSWORD_B64")"
+NATS_URL="$(decode_b64 "$NATS_URL_B64")"
+MONETIX_PROJECT_ID="$(decode_b64 "$MONETIX_PROJECT_ID_B64")"
+MONETIX_SECRET_KEY="$(decode_b64 "$MONETIX_SECRET_KEY_B64")"
+
+export NATS_USER NATS_PASSWORD NATS_URL
+export MONETIX_PROJECT_ID MONETIX_SECRET_KEY
+
+COMPOSE_PROJECT_NAME="$COMPOSE_PROJECT"
+export COMPOSE_PROJECT_NAME
+read -r -a SERVICES <<<"${SERVICES_LINE}"
+
+pull_cmd=(docker compose -f "$COMPOSE_FILE" pull)
+up_cmd=(docker compose -f "$COMPOSE_FILE" up -d --remove-orphans)
+ps_cmd=(docker compose -f "$COMPOSE_FILE" ps)
+if [[ "${#SERVICES[@]}" -gt 0 ]]; then
+  pull_cmd+=("${SERVICES[@]}")
+  up_cmd+=("${SERVICES[@]}")
+  ps_cmd+=("${SERVICES[@]}")
+fi
+
+"${pull_cmd[@]}"
+"${up_cmd[@]}"
+"${ps_cmd[@]}"
+
+date -Is > .last_deploy
+logger -t "deploy-${COMPOSE_PROJECT_NAME}" "${COMPOSE_PROJECT_NAME} deployed at $(date -Is) in ${REMOTE_DIR}"
+EOSSH
--- a/ci/scripts/mntx/build-image.sh
+++ b/ci/scripts/mntx/build-image.sh
@@ -0,0 +1,85 @@
+#!/bin/sh
+set -eu
+
+if ! set -o pipefail 2>/dev/null; then
+  :
+fi
+
+REPO_ROOT="$(cd "$(dirname "$0")/../../.." && pwd)"
+cd "${REPO_ROOT}"
+
+sh ci/scripts/common/ensure_env_version.sh
+
+normalize_env_file() {
+  file="$1"
+  tmp="${file}.tmp.$$"
+  tr -d '\r' <"$file" >"$tmp"
+  mv "$tmp" "$file"
+}
+
+load_env_file() {
+  file="$1"
+  while IFS= read -r line || [ -n "$line" ]; do
+    case "$line" in
+      ''|\#*) continue ;;
+    esac
+    key="${line%%=*}"
+    value="${line#*=}"
+    key="$(printf '%s' "$key" | tr -d '[:space:]')"
+    value="${value#"${value%%[![:space:]]*}"}"
+    value="${value%"${value##*[![:space:]]}"}"
+    export "$key=$value"
+  done <"$file"
+}
+
+MNTX_GATEWAY_ENV_NAME="${MNTX_GATEWAY_ENV:-prod}"
+RUNTIME_ENV_FILE="./ci/${MNTX_GATEWAY_ENV_NAME}/.env.runtime"
+
+if [ ! -f "${RUNTIME_ENV_FILE}" ]; then
+  echo "[mntx-gateway-build] runtime env file not found: ${RUNTIME_ENV_FILE}" >&2
+  exit 1
+fi
+
+normalize_env_file "${RUNTIME_ENV_FILE}"
+normalize_env_file ./.env.version
+
+load_env_file "${RUNTIME_ENV_FILE}"
+load_env_file ./.env.version
+
+REGISTRY_URL="${REGISTRY_URL:?missing REGISTRY_URL}"
+APP_V="${APP_V:?missing APP_V}"
+MNTX_GATEWAY_DOCKERFILE="${MNTX_GATEWAY_DOCKERFILE:?missing MNTX_GATEWAY_DOCKERFILE}"
+MNTX_GATEWAY_IMAGE_PATH="${MNTX_GATEWAY_IMAGE_PATH:?missing MNTX_GATEWAY_IMAGE_PATH}"
+
+REGISTRY_HOST="${REGISTRY_URL#http://}"
+REGISTRY_HOST="${REGISTRY_HOST#https://}"
+REGISTRY_USER="$(cat secrets/REGISTRY_USER)"
+REGISTRY_PASSWORD="$(cat secrets/REGISTRY_PASSWORD)"
+: "${REGISTRY_USER:?missing registry user}"
+: "${REGISTRY_PASSWORD:?missing registry password}"
+
+mkdir -p /kaniko/.docker
+AUTH_B64="$(printf '%s:%s' "$REGISTRY_USER" "$REGISTRY_PASSWORD" | base64 | tr -d '\n')"
+cat <<EOF >/kaniko/.docker/config.json
+{
+  "auths": {
+    "https://${REGISTRY_HOST}": { "auth": "${AUTH_B64}" }
+  }
+}
+EOF
+
+BUILD_CONTEXT="${MNTX_GATEWAY_BUILD_CONTEXT:-${WOODPECKER_WORKSPACE:-${CI_WORKSPACE:-${PWD:-/workspace}}}}"
+if [ ! -d "${BUILD_CONTEXT}" ]; then
+  BUILD_CONTEXT="/workspace"
+fi
+
+/kaniko/executor \
+  --context "${BUILD_CONTEXT}" \
+  --dockerfile "${MNTX_GATEWAY_DOCKERFILE}" \
+  --destination "${REGISTRY_URL}/${MNTX_GATEWAY_IMAGE_PATH}:${APP_V}" \
+  --build-arg APP_VERSION="${APP_V}" \
+  --build-arg GIT_REV="${GIT_REV}" \
+  --build-arg BUILD_BRANCH="${BUILD_BRANCH}" \
+  --build-arg BUILD_DATE="${BUILD_DATE}" \
+  --build-arg BUILD_USER="${BUILD_USER}" \
+  --single-snapshot
--- a/ci/scripts/mntx/deploy.sh
+++ b/ci/scripts/mntx/deploy.sh
@@ -0,0 +1,64 @@
+#!/usr/bin/env bash
+set -euo pipefail
+[[ "${DEBUG_DEPLOY:-0}" = "1" ]] && set -x
+trap 'echo "[mntx-gateway-deploy] error at line $LINENO" >&2' ERR
+
+REPO_ROOT="$(cd "$(dirname "$0")/../../.." && pwd)"
+cd "${REPO_ROOT}"
+
+normalize_env_file() {
+  file="$1"
+  tmp="${file}.tmp.$$"
+  tr -d '\r' <"$file" >"$tmp"
+  mv "$tmp" "$file"
+}
+
+load_env_file() {
+  file="$1"
+  while IFS= read -r line || [ -n "$line" ]; do
+    case "$line" in
+      ''|\#*) continue ;;
+    esac
+    if printf '%s' "$line" | grep -Eq '^[[:alpha:]_][[:alnum:]_]*='; then
+      key="${line%%=*}"
+      value="${line#*=}"
+      key="$(printf '%s' "$key" | tr -d '[:space:]')"
+      value="${value#"${value%%[![:space:]]*}"}"
+      value="${value%"${value##*[![:space:]]}"}"
+      export "$key=$value"
+    fi
+  done <"$file"
+}
+
+MNTX_GATEWAY_ENV_NAME="${MNTX_GATEWAY_ENV:-prod}"
+RUNTIME_ENV_FILE="./ci/${MNTX_GATEWAY_ENV_NAME}/.env.runtime"
+
+if [ ! -f "${RUNTIME_ENV_FILE}" ]; then
+  echo "[mntx-gateway-deploy] runtime env file not found: ${RUNTIME_ENV_FILE}" >&2
+  exit 1
+fi
+if [ ! -f ./.env.version ]; then
+  echo "[mntx-gateway-deploy] .env.version is missing; run version step first" >&2
+  exit 1
+fi
+
+normalize_env_file "${RUNTIME_ENV_FILE}"
+normalize_env_file ./.env.version
+
+load_env_file "${RUNTIME_ENV_FILE}"
+load_env_file ./.env.version
+
+MNTX_GATEWAY_MONETIX_SECRET_PATH="${MNTX_GATEWAY_MONETIX_SECRET_PATH:-sendico/gateway/monetix}"
+MNTX_GATEWAY_NATS_SECRET_PATH="${MNTX_GATEWAY_NATS_SECRET_PATH:-sendico/nats}"
+: "${NATS_HOST:?missing NATS_HOST}"
+: "${NATS_PORT:?missing NATS_PORT}"
+
+export MONETIX_PROJECT_ID="$(./ci/vlt kv_get kv "${MNTX_GATEWAY_MONETIX_SECRET_PATH}" project_id)"
+export MONETIX_SECRET_KEY="$(./ci/vlt kv_get kv "${MNTX_GATEWAY_MONETIX_SECRET_PATH}" secret_key)"
+
+export NATS_USER="$(./ci/vlt kv_get kv "${MNTX_GATEWAY_NATS_SECRET_PATH}" user)"
+export NATS_PASSWORD="$(./ci/vlt kv_get kv "${MNTX_GATEWAY_NATS_SECRET_PATH}" password)"
+export NATS_URL="nats://${NATS_USER}:${NATS_PASSWORD}@${NATS_HOST}:${NATS_PORT}"
+
+bash ci/prod/scripts/bootstrap/network.sh
+bash ci/prod/scripts/deploy/mntx_gateway.sh
--- a/ci/scripts/proto/generate.sh
+++ b/ci/scripts/proto/generate.sh
@@ -110,6 +110,12 @@ if [ -f "${PROTO_DIR}/gateway/chain/v1/chain.proto" ]; then
  generate_go_with_grpc "${PROTO_DIR}/gateway/chain/v1/chain.proto"
 fi

+if [ -f "${PROTO_DIR}/gateway/mntx/v1/mntx.proto" ]; then
+  info "Compiling Monetix gateway protos"
+  clean_pb_files "./pkg/proto/gateway/mntx"
+  generate_go_with_grpc "${PROTO_DIR}/gateway/mntx/v1/mntx.proto"
+fi
+
 if [ -f "${PROTO_DIR}/payments/orchestrator/v1/orchestrator.proto" ]; then
  info "Compiling payments orchestrator protos"
  clean_pb_files "./pkg/proto/payments/orchestrator"
--- a/frontend/pweb/caddy/Caddyfile
+++ b/frontend/pweb/caddy/Caddyfile
@@ -35,6 +35,37 @@
      header Expires "0"
    }

+    # Monetix payout callbacks -> mntx gateway (IP allow-listed)
+    @monetixSuccess {
+      path /gateway/m/success*
+      method POST
+      remote_ip 88.218.112.16 88.218.112.16/32 88.218.113.16 88.218.113.16/32 93.179.90.141 93.179.90.128/25 93.179.90.161 93.179.91.0/24 178.57.67.47 178.57.66.128/25 178.57.67.154 178.57.67.0/24 178.57.68.244
+    }
+    handle @monetixSuccess {
+      rewrite * /monetix/callback
+      reverse_proxy sendico_mntx_gateway:8080
+      header Cache-Control "no-cache, no-store, must-revalidate"
+    }
+
+    @monetixFail {
+      path /gateway/m/fail*
+      method POST
+      remote_ip 88.218.112.16 88.218.112.16/32 88.218.113.16 88.218.113.16/32 93.179.90.141 93.179.90.128/25 93.179.90.161 93.179.91.0/24 178.57.67.47 178.57.66.128/25 178.57.67.154 178.57.67.0/24 178.57.68.244
+    }
+    handle @monetixFail {
+      rewrite * /monetix/callback
+      reverse_proxy sendico_mntx_gateway:8080
+      header Cache-Control "no-cache, no-store, must-revalidate"
+    }
+
+    @monetixCallbackPath {
+      path /gateway/m/success* /gateway/m/fail*
+      method POST
+    }
+    handle @monetixCallbackPath {
+      respond "forbidden" 403
+    }
+
    ########################################
    # Static assets with tailored caching
    ########################################
--- a/frontend/pweb/pubspec.yaml
+++ b/frontend/pweb/pubspec.yaml
@@ -16,7 +16,7 @@ publish_to: 'none' # Remove this line if you wish to publish to pub.dev
 # https://developer.apple.com/library/archive/documentation/General/Reference/InfoPlistKeyReference/Articles/CoreFoundationKeys.html
 # In Windows, build-name is used as the major, minor, and patch parts
 # of the product and file versions while build-number is used as the build suffix.
-version: 3.2.936+14
+version: 2.1.0+14

 environment:
  sdk: ^3.8.1
--- a/2
+++ b/2
@@ -1 +1 @@
-2.0.857
+2.1.0
@@ -1 +1 @@
 .0.857
 .1.0