fixed mntx discovery

api/payments/orchestrator/internal/server/internal/dependencies.go

@@ -1,14 +1,12 @@
 package serverimp
 
 import (
-	mntxclient "github.com/tech/sendico/gateway/mntx/client"
 	ledgerclient "github.com/tech/sendico/ledger/client"
 	"github.com/tech/sendico/payments/orchestrator/internal/service/orchestrator"
 )
 
 type orchestratorDeps struct {
 	ledgerClient          ledgerclient.Client
-	mntxClient            mntxclient.Client
 	gatewayInvokeResolver orchestrator.GatewayInvokeResolver
 }
 
@@ -23,7 +21,6 @@ func (i *Imp) initDependencies(_ *config) *orchestratorDeps {
 
 	i.discoveryClients = newDiscoveryClientResolver(i.logger, i.discoveryReg)
 	deps.ledgerClient = &discoveryLedgerClient{resolver: i.discoveryClients}
-	deps.mntxClient = &discoveryMntxClient{resolver: i.discoveryClients}
 	deps.gatewayInvokeResolver = discoveryGatewayInvokeResolver{resolver: i.discoveryClients}
 	return deps
 }
@@ -36,9 +33,6 @@ func (i *Imp) buildServiceOptions(cfg *config, deps *orchestratorDeps) []orchest
 	if deps.ledgerClient != nil {
 		opts = append(opts, orchestrator.WithLedgerClient(deps.ledgerClient))
 	}
-	if deps.mntxClient != nil {
-		opts = append(opts, orchestrator.WithMntxGateway(deps.mntxClient))
-	}
 
 	if deps.gatewayInvokeResolver != nil {
 		opts = append(opts, orchestrator.WithGatewayInvokeResolver(deps.gatewayInvokeResolver))

api/payments/orchestrator/internal/server/internal/discovery.go

@@ -32,7 +32,7 @@ func (i *Imp) initDiscovery(cfg *config) {
 		i.logger.Info("Discovery registry watcher started")
 	}
 	announce := discovery.Announcement{
-		Service:    "PAYMENTS_ORCHESTRATOR",
+		Service:    mservice.PaymentOrchestrator,
 		Operations: []string{discovery.OperationPaymentInitiate},
 		InvokeURI:  cfg.GRPC.DiscoveryInvokeURI(),
 		Version:    appversion.Create().Short(),

api/payments/orchestrator/internal/server/internal/discovery_clients.go

@@ -12,7 +12,6 @@ import (
 
 	oracleclient "github.com/tech/sendico/fx/oracle/client"
 	chainclient "github.com/tech/sendico/gateway/chain/client"
-	mntxclient "github.com/tech/sendico/gateway/mntx/client"
 	ledgerclient "github.com/tech/sendico/ledger/client"
 	"github.com/tech/sendico/pkg/discovery"
 	"github.com/tech/sendico/pkg/merrors"
@@ -28,15 +27,9 @@ import (
 const discoveryLogThrottle = 30 * time.Second
 
 var (
-	feesServiceNames   = []string{"BILLING_FEES", string(mservice.FeePlans)}
-	ledgerServiceNames = []string{"LEDGER", string(mservice.Ledger)}
-	oracleServiceNames = []string{"FX_ORACLE", string(mservice.FXOracle)}
-	mntxServiceNames   = []string{discovery.RailCardPayout, string(mservice.MntxGateway)}
-
 	feesRequiredOps   = []string{discovery.OperationFeeCalc}
 	ledgerRequiredOps = discovery.LedgerServiceOperations()
 	oracleRequiredOps = []string{discovery.OperationFXQuote}
-	mntxRequiredOps   = discovery.CardPayoutRailGatewayOperations()
 )
 
 type discoveryEndpoint struct {
@@ -64,9 +57,6 @@ type discoveryClientResolver struct {
 	oracleClient   oracleclient.Client
 	oracleEndpoint discoveryEndpoint
 
-	mntxClient   mntxclient.Client
-	mntxEndpoint discoveryEndpoint
-
 	chainClients map[string]chainclient.Client
 
 	lastSelection map[string]string
@@ -101,10 +91,6 @@ func (r *discoveryClientResolver) Close() {
 		_ = r.oracleClient.Close()
 		r.oracleClient = nil
 	}
-	if r.mntxClient != nil {
-		_ = r.mntxClient.Close()
-		r.mntxClient = nil
-	}
 	for key, client := range r.chainClients {
 		if client != nil {
 			_ = client.Close()
@@ -114,27 +100,22 @@ func (r *discoveryClientResolver) Close() {
 }
 
 func (r *discoveryClientResolver) FeesAvailable() bool {
-	_, ok := r.findEntry("fees", feesServiceNames, "", "", feesRequiredOps)
+	_, ok := r.findEntry(mservice.BillingFees, "", "", feesRequiredOps)
 	return ok
 }
 
 func (r *discoveryClientResolver) LedgerAvailable() bool {
-	_, ok := r.findEntry("ledger", ledgerServiceNames, "", "", ledgerRequiredOps)
+	_, ok := r.findEntry(mservice.Ledger, "", "", ledgerRequiredOps)
 	return ok
 }
 
 func (r *discoveryClientResolver) OracleAvailable() bool {
-	_, ok := r.findEntry("oracle", oracleServiceNames, "", "", oracleRequiredOps)
-	return ok
-}
-
-func (r *discoveryClientResolver) MntxAvailable() bool {
-	_, ok := r.findEntry("mntx", mntxServiceNames, "", "", mntxRequiredOps)
+	_, ok := r.findEntry(mservice.FXOracle, "", "", oracleRequiredOps)
 	return ok
 }
 
 func (r *discoveryClientResolver) FeesClient(ctx context.Context) (feesv1.FeeEngineClient, error) {
-	entry, ok := r.findEntry("fees", feesServiceNames, "", "", feesRequiredOps)
+	entry, ok := r.findEntry(mservice.BillingFees, "", "", feesRequiredOps)
 	if !ok {
 		return nil, merrors.NoData("discovery: fees service unavailable")
 	}
@@ -154,7 +135,7 @@ func (r *discoveryClientResolver) FeesClient(ctx context.Context) (feesv1.FeeEng
 		}
 		conn, dialErr := dialGrpc(ctx, endpoint)
 		if dialErr != nil {
-			r.logMissing("fees", "failed to dial fees service", endpoint.raw, dialErr)
+			r.logMissing("fees", "Failed to dial fees service", endpoint.raw, dialErr)
 			return nil, dialErr
 		}
 		r.feesConn = conn
@@ -165,13 +146,13 @@ func (r *discoveryClientResolver) FeesClient(ctx context.Context) (feesv1.FeeEng
 }
 
 func (r *discoveryClientResolver) LedgerClient(ctx context.Context) (ledgerclient.Client, error) {
-	entry, ok := r.findEntry("ledger", ledgerServiceNames, "", "", ledgerRequiredOps)
+	entry, ok := r.findEntry(mservice.Ledger, "", "", ledgerRequiredOps)
 	if !ok {
 		return nil, merrors.NoData("discovery: ledger service unavailable")
 	}
 	endpoint, err := parseDiscoveryEndpoint(entry.InvokeURI)
 	if err != nil {
-		r.logMissing("ledger", "invalid ledger invoke uri", entry.InvokeURI, err)
+		r.logMissing("ledger", "Invalid ledger invoke uri", entry.InvokeURI, err)
 		return nil, err
 	}
 
@@ -188,7 +169,7 @@ func (r *discoveryClientResolver) LedgerClient(ctx context.Context) (ledgerclien
 			Insecure: endpoint.insecure,
 		})
 		if dialErr != nil {
-			r.logMissing("ledger", "failed to dial ledger service", endpoint.raw, dialErr)
+			r.logMissing("ledger", "Failed to dial ledger service", endpoint.raw, dialErr)
 			return nil, dialErr
 		}
 		r.ledgerClient = client
@@ -199,13 +180,13 @@ func (r *discoveryClientResolver) LedgerClient(ctx context.Context) (ledgerclien
 }
 
 func (r *discoveryClientResolver) OracleClient(ctx context.Context) (oracleclient.Client, error) {
-	entry, ok := r.findEntry("oracle", oracleServiceNames, "", "", oracleRequiredOps)
+	entry, ok := r.findEntry(mservice.FXOracle, "", "", oracleRequiredOps)
 	if !ok {
 		return nil, merrors.NoData("discovery: oracle service unavailable")
 	}
 	endpoint, err := parseDiscoveryEndpoint(entry.InvokeURI)
 	if err != nil {
-		r.logMissing("oracle", "invalid oracle invoke uri", entry.InvokeURI, err)
+		r.logMissing("oracle", "Invalid oracle invoke uri", entry.InvokeURI, err)
 		return nil, err
 	}
 
@@ -222,7 +203,7 @@ func (r *discoveryClientResolver) OracleClient(ctx context.Context) (oracleclien
 			Insecure: endpoint.insecure,
 		})
 		if dialErr != nil {
-			r.logMissing("oracle", "failed to dial oracle service", endpoint.raw, dialErr)
+			r.logMissing("oracle", "Failed to dial oracle service", endpoint.raw, dialErr)
 			return nil, dialErr
 		}
 		r.oracleClient = client
@@ -232,47 +213,10 @@ func (r *discoveryClientResolver) OracleClient(ctx context.Context) (oracleclien
 	return r.oracleClient, nil
 }
 
-func (r *discoveryClientResolver) MntxClient(ctx context.Context) (mntxclient.Client, error) {
-	entry, ok := r.findEntry("mntx", mntxServiceNames, "", "", mntxRequiredOps)
-	if !ok {
-		return nil, merrors.NoData("discovery: mntx service unavailable")
-	}
-	endpoint, err := parseDiscoveryEndpoint(entry.InvokeURI)
-	if err != nil {
-		r.logMissing("mntx", "invalid mntx invoke uri", entry.InvokeURI, err)
-		return nil, err
-	}
-
-	r.mu.Lock()
-	defer r.mu.Unlock()
-
-	if r.mntxClient == nil || r.mntxEndpoint.key() != endpoint.key() || r.mntxEndpoint.address != endpoint.address {
-		if r.mntxClient != nil {
-			_ = r.mntxClient.Close()
-			r.mntxClient = nil
-		}
-		if !endpoint.insecure && r.logger != nil {
-			r.logger.Warn("Mntx gateway does not support TLS, falling back to insecure transport",
-				zap.String("invoke_uri", endpoint.raw))
-		}
-		client, dialErr := mntxclient.New(ctx, mntxclient.Config{
-			Address: endpoint.address,
-		})
-		if dialErr != nil {
-			r.logMissing("mntx", "failed to dial mntx service", endpoint.raw, dialErr)
-			return nil, dialErr
-		}
-		r.mntxClient = client
-		r.mntxEndpoint = endpoint
-	}
-
-	return r.mntxClient, nil
-}
-
 func (r *discoveryClientResolver) ChainClient(ctx context.Context, invokeURI string) (chainclient.Client, error) {
 	endpoint, err := parseDiscoveryEndpoint(invokeURI)
 	if err != nil {
-		r.logMissing("chain", "invalid chain gateway invoke uri", invokeURI, err)
+		r.logMissing("chain", "Invalid chain gateway invoke uri", invokeURI, err)
 		return nil, err
 	}
 
@@ -288,7 +232,7 @@ func (r *discoveryClientResolver) ChainClient(ctx context.Context, invokeURI str
 		Insecure: endpoint.insecure,
 	})
 	if dialErr != nil {
-		r.logMissing("chain", "failed to dial chain gateway", endpoint.raw, dialErr)
+		r.logMissing("chain", "Failed to dial chain gateway", endpoint.raw, dialErr)
 		return nil, dialErr
 	}
 	r.chainClients[endpoint.key()] = client
@@ -298,7 +242,7 @@ func (r *discoveryClientResolver) ChainClient(ctx context.Context, invokeURI str
 func (r *discoveryClientResolver) PaymentGatewayClient(ctx context.Context, invokeURI string) (chainclient.Client, error) {
 	endpoint, err := parseDiscoveryEndpoint(invokeURI)
 	if err != nil {
-		r.logMissing("payment_gateway", "invalid payment gateway invoke uri", invokeURI, err)
+		r.logMissing("payment_gateway", "Invalid payment gateway invoke uri", invokeURI, err)
 		return nil, err
 	}
 
@@ -314,16 +258,18 @@ func (r *discoveryClientResolver) PaymentGatewayClient(ctx context.Context, invo
 		Insecure: endpoint.insecure,
 	})
 	if dialErr != nil {
-		r.logMissing("payment_gateway", "failed to dial payment gateway", endpoint.raw, dialErr)
+		r.logMissing("payment_gateway", "Failed to dial payment gateway", endpoint.raw, dialErr)
 		return nil, dialErr
 	}
 	r.chainClients[endpoint.key()] = client
 	return client, nil
 }
 
-func (r *discoveryClientResolver) findEntry(key string, services []string, rail string, network string, requiredOps []string) (*discovery.RegistryEntry, bool) {
+func (r *discoveryClientResolver) findEntry(service mservice.Type, rail string, network string, requiredOps []string) (*discovery.RegistryEntry, bool) {
+	key := discoverySelectionKey(service, rail, network)
+
 	if r == nil || r.registry == nil {
-		r.logMissing(key, "discovery registry unavailable", "", nil)
+		r.logMissing(key, "Discovery registry unavailable", "", nil)
 		return nil, false
 	}
 
@@ -335,7 +281,7 @@ func (r *discoveryClientResolver) findEntry(key string, services []string, rail
 	entries := r.registry.List(time.Now(), true)
 	matches := make([]discoveryMatch, 0)
 	for _, entry := range entries {
-		if !matchesService(entry.Service, services) {
+		if service != "" && !matchesService(entry.Service, service) {
 			continue
 		}
 		if rail != "" && !strings.EqualFold(strings.TrimSpace(entry.Rail), rail) {
@@ -351,7 +297,7 @@ func (r *discoveryClientResolver) findEntry(key string, services []string, rail
 	}
 
 	if len(matches) == 0 {
-		r.logMissing(key, "discovery entry missing", "", nil)
+		r.logMissing(key, "Discovery entry missing", "", nil)
 		return nil, false
 	}
 
@@ -374,6 +320,27 @@ func (r *discoveryClientResolver) findEntry(key string, services []string, rail
 	return &entry, true
 }
 
+func discoverySelectionKey(service mservice.Type, rail, network string) string {
+	serviceName := strings.TrimSpace(string(service))
+	railName := strings.ToUpper(strings.TrimSpace(rail))
+	networkName := strings.ToUpper(strings.TrimSpace(network))
+
+	switch {
+	case serviceName != "" && railName != "" && networkName != "":
+		return fmt.Sprintf("%s|%s|%s", serviceName, railName, networkName)
+	case serviceName != "" && railName != "":
+		return fmt.Sprintf("%s|%s", serviceName, railName)
+	case serviceName != "":
+		return serviceName
+	case railName != "" && networkName != "":
+		return fmt.Sprintf("rail:%s|%s", railName, networkName)
+	case railName != "":
+		return "rail:" + railName
+	default:
+		return "discovery"
+	}
+}
+
 func (r *discoveryClientResolver) logSelection(key, entryKey string, entry discovery.RegistryEntry) {
 	r.mu.Lock()
 	last := r.lastSelection[key]
@@ -423,17 +390,12 @@ func discoveryEntryKey(entry discovery.RegistryEntry) string {
 		strings.TrimSpace(entry.InvokeURI))
 }
 
-func matchesService(service string, candidates []string) bool {
+func matchesService(service string, candidate mservice.Type) bool {
 	service = strings.TrimSpace(service)
-	if service == "" || len(candidates) == 0 {
+	if service == "" || strings.TrimSpace(string(candidate)) == "" {
 		return false
 	}
-	for _, candidate := range candidates {
-		if strings.EqualFold(service, strings.TrimSpace(candidate)) {
-			return true
-		}
-	}
-	return false
+	return strings.EqualFold(service, strings.TrimSpace(string(candidate)))
 }
 
 func parseDiscoveryEndpoint(raw string) (discoveryEndpoint, error) {

api/payments/orchestrator/internal/server/internal/discovery_wrappers.go

@@ -11,7 +11,6 @@ import (
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
-	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
 	ledgerv1 "github.com/tech/sendico/pkg/proto/ledger/v1"
 	"google.golang.org/grpc"
 )
@@ -247,60 +246,6 @@ func (c *discoveryOracleClient) Close() error {
 	return client.Close()
 }
 
-type discoveryMntxClient struct {
-	resolver *discoveryClientResolver
-}
-
-func (c *discoveryMntxClient) Available() bool {
-	if c == nil || c.resolver == nil {
-		return false
-	}
-	return c.resolver.MntxAvailable()
-}
-
-func (c *discoveryMntxClient) CreateCardPayout(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
-	client, err := c.resolver.MntxClient(ctx)
-	if err != nil {
-		return nil, err
-	}
-	return client.CreateCardPayout(ctx, req)
-}
-
-func (c *discoveryMntxClient) CreateCardTokenPayout(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) (*mntxv1.CardTokenPayoutResponse, error) {
-	client, err := c.resolver.MntxClient(ctx)
-	if err != nil {
-		return nil, err
-	}
-	return client.CreateCardTokenPayout(ctx, req)
-}
-
-func (c *discoveryMntxClient) GetCardPayoutStatus(ctx context.Context, req *mntxv1.GetCardPayoutStatusRequest) (*mntxv1.GetCardPayoutStatusResponse, error) {
-	client, err := c.resolver.MntxClient(ctx)
-	if err != nil {
-		return nil, err
-	}
-	return client.GetCardPayoutStatus(ctx, req)
-}
-
-func (c *discoveryMntxClient) ListGatewayInstances(ctx context.Context, req *mntxv1.ListGatewayInstancesRequest) (*mntxv1.ListGatewayInstancesResponse, error) {
-	client, err := c.resolver.MntxClient(ctx)
-	if err != nil {
-		return nil, err
-	}
-	return client.ListGatewayInstances(ctx, req)
-}
-
-func (c *discoveryMntxClient) Close() error {
-	if c == nil || c.resolver == nil {
-		return nil
-	}
-	client, err := c.resolver.MntxClient(context.Background())
-	if err != nil {
-		return nil
-	}
-	return client.Close()
-}
-
 type discoveryChainClient struct {
 	resolver  *discoveryClientResolver
 	invokeURI string

api/payments/orchestrator/internal/service/orchestrator/card_payout_executor.go

@@ -3,8 +3,11 @@ package orchestrator
 import (
 	"context"
 	"github.com/tech/sendico/pkg/discovery"
+	"net"
+	"net/url"
 	"strconv"
 	"strings"
+	"sync"
 
 	"github.com/shopspring/decimal"
 	mntxclient "github.com/tech/sendico/gateway/mntx/client"
@@ -20,7 +23,12 @@ import (
 )
 
 type gatewayCardPayoutExecutor struct {
-	mntxClient mntxclient.Client
+	gatewayRegistry GatewayRegistry
+
+	mu      sync.Mutex
+	clients map[string]mntxclient.Client
+
+	dialClient func(ctx context.Context, address string) (mntxclient.Client, error)
 }
 
 type cardPayoutCustomer struct {
@@ -40,12 +48,20 @@ func (e *gatewayCardPayoutExecutor) ExecuteCardPayout(ctx context.Context, req s
 	if req.Payment == nil {
 		return nil, merrors.InvalidArgument("card payout send: payment is required")
 	}
-	if e == nil || e.mntxClient == nil {
-		return nil, merrors.InvalidArgument("card payout send: mntx client is required")
+	if e == nil || e.gatewayRegistry == nil {
+		return nil, merrors.InvalidArgument("card payout send: gateway registry is required")
 	}
 	if model.ParseRailOperation(string(req.Step.Action)) != discovery.RailOperationSend {
 		return nil, merrors.InvalidArgument("card payout send: unsupported action")
 	}
+	gateway, err := e.resolveGateway(ctx, req.Step)
+	if err != nil {
+		return nil, err
+	}
+	client, err := e.client(ctx, strings.TrimSpace(gateway.InvokeURI))
+	if err != nil {
+		return nil, err
+	}
 
 	card, err := payoutDestinationCard(req.Payment, req.Step.Metadata)
 	if err != nil {
@@ -68,7 +84,7 @@ func (e *gatewayCardPayoutExecutor) ExecuteCardPayout(ctx context.Context, req s
 
 	var responsePayout *mntxv1.CardPayoutState
 	if token := strings.TrimSpace(card.Token); token != "" {
-		resp, createErr := e.mntxClient.CreateCardTokenPayout(ctx, &mntxv1.CardTokenPayoutRequest{
+		resp, createErr := client.CreateCardTokenPayout(ctx, &mntxv1.CardTokenPayoutRequest{
 			PayoutId:           payoutRef,
 			ProjectId:          projectID,
 			CustomerId:         customer.id,
@@ -106,7 +122,7 @@ func (e *gatewayCardPayoutExecutor) ExecuteCardPayout(ctx context.Context, req s
 		if card.ExpMonth == 0 || card.ExpYear == 0 {
 			return nil, merrors.InvalidArgument("card payout send: card expiry is required")
 		}
-		resp, createErr := e.mntxClient.CreateCardPayout(ctx, &mntxv1.CardPayoutRequest{
+		resp, createErr := client.CreateCardPayout(ctx, &mntxv1.CardPayoutRequest{
 			PayoutId:           payoutRef,
 			ProjectId:          projectID,
 			CustomerId:         customer.id,
@@ -141,7 +157,12 @@ func (e *gatewayCardPayoutExecutor) ExecuteCardPayout(ctx context.Context, req s
 
 	resolvedPayoutRef := firstNonEmpty(strings.TrimSpace(responsePayout.GetPayoutId()), payoutRef)
 	resolvedOperationRef := firstNonEmpty(strings.TrimSpace(responsePayout.GetOperationRef()), operationRef)
-	gatewayInstanceID := firstNonEmpty(strings.TrimSpace(req.Step.InstanceID), strings.TrimSpace(req.Step.Gateway))
+	gatewayInstanceID := firstNonEmpty(
+		strings.TrimSpace(req.Step.InstanceID),
+		strings.TrimSpace(gateway.InstanceID),
+		strings.TrimSpace(req.Step.Gateway),
+		strings.TrimSpace(gateway.ID),
+	)
 	externalRefs, refsErr := cardPayoutExternalRefs(resolvedPayoutRef, resolvedOperationRef, gatewayInstanceID)
 	if refsErr != nil {
 		return nil, refsErr
@@ -155,6 +176,122 @@ func (e *gatewayCardPayoutExecutor) ExecuteCardPayout(ctx context.Context, req s
 	return &sexec.ExecuteOutput{StepExecution: step}, nil
 }
 
+func (e *gatewayCardPayoutExecutor) resolveGateway(ctx context.Context, step xplan.Step) (*model.GatewayInstanceDescriptor, error) {
+	if e.gatewayRegistry == nil {
+		return nil, merrors.InvalidArgument("card payout send: gateway registry is required")
+	}
+	items, err := e.gatewayRegistry.List(ctx)
+	if err != nil {
+		return nil, err
+	}
+
+	stepGateway := strings.TrimSpace(step.Gateway)
+	stepInstance := strings.TrimSpace(step.InstanceID)
+
+	var byInstance *model.GatewayInstanceDescriptor
+	var byGateway *model.GatewayInstanceDescriptor
+	var single *model.GatewayInstanceDescriptor
+	cardCount := 0
+	for i := range items {
+		item := items[i]
+		if item == nil || model.ParseRail(string(item.Rail)) != discovery.RailCardPayout || !item.IsEnabled {
+			continue
+		}
+		cardCount++
+		single = item
+		if stepInstance != "" && (strings.EqualFold(strings.TrimSpace(item.InstanceID), stepInstance) || strings.EqualFold(strings.TrimSpace(item.ID), stepInstance)) {
+			byInstance = item
+			break
+		}
+		if stepGateway != "" && (strings.EqualFold(strings.TrimSpace(item.ID), stepGateway) || strings.EqualFold(strings.TrimSpace(item.InstanceID), stepGateway)) {
+			byGateway = item
+		}
+	}
+
+	switch {
+	case byInstance != nil:
+		if strings.TrimSpace(byInstance.InvokeURI) == "" {
+			return nil, merrors.InvalidArgument("card payout send: gateway invoke uri is missing")
+		}
+		return byInstance, nil
+	case byGateway != nil:
+		if strings.TrimSpace(byGateway.InvokeURI) == "" {
+			return nil, merrors.InvalidArgument("card payout send: gateway invoke uri is missing")
+		}
+		return byGateway, nil
+	case stepGateway == "" && stepInstance == "" && cardCount == 1:
+		if strings.TrimSpace(single.InvokeURI) == "" {
+			return nil, merrors.InvalidArgument("card payout send: gateway invoke uri is missing")
+		}
+		return single, nil
+	default:
+		return nil, merrors.InvalidArgument("card payout send: gateway instance not found")
+	}
+}
+
+func (e *gatewayCardPayoutExecutor) client(ctx context.Context, invokeURI string) (mntxclient.Client, error) {
+	address, err := parseGatewayAddress(invokeURI)
+	if err != nil {
+		return nil, err
+	}
+
+	e.mu.Lock()
+	defer e.mu.Unlock()
+
+	if e.clients == nil {
+		e.clients = map[string]mntxclient.Client{}
+	}
+	if c := e.clients[address]; c != nil {
+		return c, nil
+	}
+
+	dial := e.dialClient
+	if dial == nil {
+		dial = func(ctx context.Context, address string) (mntxclient.Client, error) {
+			return mntxclient.New(ctx, mntxclient.Config{Address: address})
+		}
+	}
+
+	client, dialErr := dial(ctx, address)
+	if dialErr != nil {
+		return nil, dialErr
+	}
+	e.clients[address] = client
+	return client, nil
+}
+
+func parseGatewayAddress(raw string) (string, error) {
+	raw = strings.TrimSpace(raw)
+	if raw == "" {
+		return "", merrors.InvalidArgument("card payout send: gateway invoke uri is required")
+	}
+
+	if !strings.Contains(raw, "://") {
+		if _, _, splitErr := net.SplitHostPort(raw); splitErr != nil {
+			return "", merrors.InvalidArgument("card payout send: gateway invoke uri must include host:port")
+		}
+		return raw, nil
+	}
+
+	parsed, err := url.Parse(raw)
+	if err != nil || parsed.Scheme == "" {
+		return "", merrors.InvalidArgument("card payout send: gateway invoke uri must include host:port")
+	}
+
+	switch strings.ToLower(strings.TrimSpace(parsed.Scheme)) {
+	case "grpc", "grpcs":
+		address := strings.TrimSpace(parsed.Host)
+		if _, _, splitErr := net.SplitHostPort(address); splitErr != nil {
+			return "", merrors.InvalidArgument("card payout send: gateway invoke uri must include host:port")
+		}
+		return address, nil
+	case "dns", "passthrough":
+		return raw, nil
+	default:
+		return "", merrors.InvalidArgument("card payout send: unsupported gateway invoke uri scheme")
+	}
+}
+
 func payoutDestinationCard(payment *agg.Payment, metadata map[string]string) (*model.CardEndpoint, error) {
 	if card, ok := batchmeta.CardFromMetadata(metadata); ok && card != nil {
 		return card, nil

api/payments/orchestrator/internal/service/orchestrator/card_payout_executor_test.go

@@ -23,17 +23,32 @@ func TestGatewayCardPayoutExecutor_ExecuteCardPayout_SubmitsCardPayout(t *testin
 	orgID := bson.NewObjectID()
 
 	var payoutReq *mntxv1.CardPayoutRequest
+	var dialAddress string
 	executor := &gatewayCardPayoutExecutor{
-		mntxClient: &mntxclient.Fake{
-			CreateCardPayoutFn: func(_ context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
-				payoutReq = req
-				return &mntxv1.CardPayoutResponse{
-					Payout: &mntxv1.CardPayoutState{
-						PayoutId: "payout-remote-1",
-					},
-				}, nil
+		gatewayRegistry: &fakeGatewayRegistry{
+			items: []*model.GatewayInstanceDescriptor{
+				{
+					ID:         paymenttypes.DefaultCardsGatewayID,
+					InstanceID: paymenttypes.DefaultCardsGatewayID,
+					Rail:       discovery.RailCardPayout,
+					InvokeURI:  "grpc://mntx-gateway:50051",
+					IsEnabled:  true,
+				},
 			},
 		},
+		dialClient: func(_ context.Context, address string) (mntxclient.Client, error) {
+			dialAddress = address
+			return &mntxclient.Fake{
+				CreateCardPayoutFn: func(_ context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
+					payoutReq = req
+					return &mntxv1.CardPayoutResponse{
+						Payout: &mntxv1.CardPayoutState{
+							PayoutId: "payout-remote-1",
+						},
+					}, nil
+				},
+			}, nil
+		},
 	}
 
 	req := sexec.StepRequest{
@@ -104,6 +119,9 @@ func TestGatewayCardPayoutExecutor_ExecuteCardPayout_SubmitsCardPayout(t *testin
 	if payoutReq == nil {
 		t.Fatal("expected payout request to be submitted")
 	}
+	if got, want := dialAddress, "mntx-gateway:50051"; got != want {
+		t.Fatalf("dial address mismatch: got=%q want=%q", got, want)
+	}
 	if got, want := payoutReq.GetPayoutId(), "payment-1"; got != want {
 		t.Fatalf("payout_id mismatch: got=%q want=%q", got, want)
 	}
@@ -146,17 +164,32 @@ func TestGatewayCardPayoutExecutor_ExecuteCardPayout_UsesStepMetadataOverrides(t
 	orgID := bson.NewObjectID()
 
 	var payoutReq *mntxv1.CardPayoutRequest
+	var dialAddress string
 	executor := &gatewayCardPayoutExecutor{
-		mntxClient: &mntxclient.Fake{
-			CreateCardPayoutFn: func(_ context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
-				payoutReq = req
-				return &mntxv1.CardPayoutResponse{
-					Payout: &mntxv1.CardPayoutState{
-						PayoutId: "payout-remote-2",
-					},
-				}, nil
+		gatewayRegistry: &fakeGatewayRegistry{
+			items: []*model.GatewayInstanceDescriptor{
+				{
+					ID:         paymenttypes.DefaultCardsGatewayID,
+					InstanceID: paymenttypes.DefaultCardsGatewayID,
+					Rail:       discovery.RailCardPayout,
+					InvokeURI:  "grpc://mntx-gateway:50051",
+					IsEnabled:  true,
+				},
 			},
 		},
+		dialClient: func(_ context.Context, address string) (mntxclient.Client, error) {
+			dialAddress = address
+			return &mntxclient.Fake{
+				CreateCardPayoutFn: func(_ context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
+					payoutReq = req
+					return &mntxv1.CardPayoutResponse{
+						Payout: &mntxv1.CardPayoutState{
+							PayoutId: "payout-remote-2",
+						},
+					}, nil
+				},
+			}, nil
+		},
 	}
 
 	req := sexec.StepRequest{
@@ -221,6 +254,9 @@ func TestGatewayCardPayoutExecutor_ExecuteCardPayout_UsesStepMetadataOverrides(t
 	if payoutReq == nil {
 		t.Fatal("expected payout request to be submitted")
 	}
+	if got, want := dialAddress, "mntx-gateway:50051"; got != want {
+		t.Fatalf("dial address mismatch: got=%q want=%q", got, want)
+	}
 	if got, want := payoutReq.GetAmountMinor(), int64(15000); got != want {
 		t.Fatalf("amount_minor mismatch: got=%d want=%d", got, want)
 	}
@@ -235,7 +271,7 @@ func TestGatewayCardPayoutExecutor_ExecuteCardPayout_UsesStepMetadataOverrides(t
 	}
 }
 
-func TestGatewayCardPayoutExecutor_ExecuteCardPayout_RequiresMntxClient(t *testing.T) {
+func TestGatewayCardPayoutExecutor_ExecuteCardPayout_RequiresGatewayRegistry(t *testing.T) {
 	orgID := bson.NewObjectID()
 
 	executor := &gatewayCardPayoutExecutor{}
@@ -270,7 +306,7 @@ func TestGatewayCardPayoutExecutor_ExecuteCardPayout_RequiresMntxClient(t *testi
 	if err == nil {
 		t.Fatal("expected error")
 	}
-	if !strings.Contains(err.Error(), "mntx client is required") {
+	if !strings.Contains(err.Error(), "gateway registry is required") {
 		t.Fatalf("unexpected error: %v", err)
 	}
 }

api/payments/orchestrator/internal/service/orchestrator/options.go

@@ -6,7 +6,6 @@ import (
 	"time"
 
 	chainclient "github.com/tech/sendico/gateway/chain/client"
-	mntxclient "github.com/tech/sendico/gateway/mntx/client"
 	ledgerclient "github.com/tech/sendico/ledger/client"
 	"github.com/tech/sendico/payments/storage/model"
 	clockpkg "github.com/tech/sendico/pkg/clock"
@@ -54,16 +53,6 @@ func WithLedgerClient(client ledgerclient.Client) Option {
 	}
 }
 
-// WithMntxGateway configures card payout execution for card-bound steps.
-func WithMntxGateway(client mntxclient.Client) Option {
-	return func(s *Service) {
-		if s == nil {
-			return
-		}
-		s.mntxClient = client
-	}
-}
-
 // WithPaymentGatewayBroker wires broker subscription for payment gateway execution events.
 func WithPaymentGatewayBroker(broker mb.Broker) Option {
 	return func(s *Service) {

api/payments/orchestrator/internal/service/orchestrator/service.go

@@ -3,7 +3,6 @@ package orchestrator
 import (
 	"context"
 
-	mntxclient "github.com/tech/sendico/gateway/mntx/client"
 	ledgerclient "github.com/tech/sendico/ledger/client"
 	"github.com/tech/sendico/payments/orchestrator/internal/service/orchestrationv2/prepo"
 	"github.com/tech/sendico/payments/orchestrator/internal/service/orchestrationv2/psvc"
@@ -26,7 +25,6 @@ type Service struct {
 	producer    msg.Producer
 
 	ledgerClient          ledgerclient.Client
-	mntxClient            mntxclient.Client
 	gatewayInvokeResolver GatewayInvokeResolver
 	gatewayRegistry       GatewayRegistry
 	cardGatewayRoutes     map[string]CardGatewayRoute
@@ -56,7 +54,6 @@ func NewService(logger mlogger.Logger, repo storage.Repository, producer msg.Pro
 	var err error
 	svc.v2, svc.paymentRepo, err = newOrchestrationV2Service(svc.logger, repo, v2RuntimeDeps{
 		LedgerClient:          svc.ledgerClient,
-		MntxClient:            svc.mntxClient,
 		GatewayInvokeResolver: svc.gatewayInvokeResolver,
 		GatewayRegistry:       svc.gatewayRegistry,
 		CardGatewayRoutes:     svc.cardGatewayRoutes,

api/payments/orchestrator/internal/service/orchestrator/service_v2.go

@@ -3,7 +3,6 @@ package orchestrator
 import (
 	"context"
 
-	mntxclient "github.com/tech/sendico/gateway/mntx/client"
 	ledgerclient "github.com/tech/sendico/ledger/client"
 	"github.com/tech/sendico/payments/orchestrator/internal/service/orchestrationv2/oobs"
 	"github.com/tech/sendico/payments/orchestrator/internal/service/orchestrationv2/pquery"
@@ -27,7 +26,6 @@ type v2MongoDBProvider interface {
 
 type v2RuntimeDeps struct {
 	LedgerClient          ledgerclient.Client
-	MntxClient            mntxclient.Client
 	GatewayInvokeResolver GatewayInvokeResolver
 	GatewayRegistry       GatewayRegistry
 	CardGatewayRoutes     map[string]CardGatewayRoute
@@ -114,9 +112,9 @@ func buildOrchestrationV2Executors(logger mlogger.Logger, runtimeDeps v2RuntimeD
 		ledgerClient: runtimeDeps.LedgerClient,
 	}
 	var cardPayoutExecutor sexec.CardPayoutExecutor
-	if runtimeDeps.MntxClient != nil {
+	if runtimeDeps.GatewayRegistry != nil {
 		cardPayoutExecutor = &gatewayCardPayoutExecutor{
-			mntxClient: runtimeDeps.MntxClient,
+			gatewayRegistry: runtimeDeps.GatewayRegistry,
 		}
 	}
 	return psvc.NewDefaultExecutors(execLogger, sexec.Dependencies{