Merge pull request 'fixed tgsettle upsert logic' (#686) from tg-685 into main

Reviewed-on: #686

README.md

@@ -75,6 +75,9 @@ make clean                # Remove all containers and volumes
 ```bash
 make infra-up      # Start infrastructure only (MongoDB, NATS, Vault)
 make services-up   # Start application services only (assumes infra is running)
+make backend-up    # Start backend services only (no infrastructure/frontend changes)
+make backend-down  # Stop backend services only
+make backend-rebuild # Rebuild and restart backend services only
 make list-services # Show service names, ports, and descriptions
 ```
 

api/edge/bff/internal/server/accountapiimp/signup.go

@@ -338,9 +338,6 @@ func (a *AccountAPI) openOrgLedgerAccount(ctx context.Context, org *model.Organi
 		return merrors.Internal("chain gateway default asset is not configured")
 	}
 
-	// TODO: remove hardcode
-	currency := "RUB"
-
 	var describable *describablev1.Describable
 	name := strings.TrimSpace(sr.LedgerWallet.Name)
 	var description *string
@@ -357,6 +354,22 @@ func (a *AccountAPI) openOrgLedgerAccount(ctx context.Context, org *model.Organi
 		}
 	}
 
+	currencies := []string{"RUB", "USDT"}
+	if chainTokenCurrency := strings.ToUpper(strings.TrimSpace(a.chainAsset.GetTokenSymbol())); chainTokenCurrency != "" {
+		currencies = append(currencies, chainTokenCurrency)
+	}
+
+	seen := make(map[string]struct{}, len(currencies))
+	for _, currency := range currencies {
+		currency = strings.ToUpper(strings.TrimSpace(currency))
+		if currency == "" {
+			continue
+		}
+		if _, exists := seen[currency]; exists {
+			continue
+		}
+		seen[currency] = struct{}{}
+
 		resp, err := a.ledgerClient.CreateAccount(ctx, &ledgerv1.CreateAccountRequest{
 			OrganizationRef: org.ID.Hex(),
 			AccountType:     ledgerv1.AccountType_ACCOUNT_TYPE_ASSET,
@@ -370,13 +383,18 @@ func (a *AccountAPI) openOrgLedgerAccount(ctx context.Context, org *model.Organi
 			Describable: describable,
 		})
 		if err != nil {
-		a.logger.Warn("Failed to create ledger account for organization", zap.Error(err), mzap.StorableRef(org))
+			a.logger.Warn("Failed to create ledger account for organization", zap.Error(err), mzap.StorableRef(org), zap.String("currency", currency))
 			return err
 		}
 		if resp == nil || resp.GetAccount() == nil || strings.TrimSpace(resp.GetAccount().GetLedgerAccountRef()) == "" {
 			return merrors.Internal("ledger returned empty account reference")
 		}
 
-	a.logger.Info("Ledger account created for organization", mzap.StorableRef(org), zap.String("ledger_account_ref", resp.GetAccount().GetLedgerAccountRef()))
+		a.logger.Info("Ledger account created for organization",
+			mzap.StorableRef(org),
+			zap.String("currency", currency),
+			zap.String("ledger_account_ref", resp.GetAccount().GetLedgerAccountRef()))
+	}
+
 	return nil
 }

api/edge/bff/internal/server/accountapiimp/signup_ledger_test.go

@@ -16,13 +16,13 @@ import (
 )
 
 type stubLedgerAccountClient struct {
-	createReq  *ledgerv1.CreateAccountRequest
+	createReqs []*ledgerv1.CreateAccountRequest
 	createResp *ledgerv1.CreateAccountResponse
 	createErr  error
 }
 
 func (s *stubLedgerAccountClient) CreateAccount(_ context.Context, req *ledgerv1.CreateAccountRequest) (*ledgerv1.CreateAccountResponse, error) {
-	s.createReq = req
+	s.createReqs = append(s.createReqs, req)
 	return s.createResp, s.createErr
 }
 
@@ -31,7 +31,7 @@ func (s *stubLedgerAccountClient) Close() error {
 }
 
 func TestOpenOrgLedgerAccount(t *testing.T) {
-	t.Run("creates operating ledger account", func(t *testing.T) {
+	t.Run("creates operating ledger accounts for RUB and USDT", func(t *testing.T) {
 		desc := "  Main org ledger account  "
 		sr := &srequest.Signup{
 			Account: model.AccountData{
@@ -65,23 +65,27 @@ func TestOpenOrgLedgerAccount(t *testing.T) {
 
 		err := api.openOrgLedgerAccount(context.Background(), org, sr)
 		assert.NoError(t, err)
-		if assert.NotNil(t, ledgerStub.createReq) {
-			assert.Equal(t, org.ID.Hex(), ledgerStub.createReq.GetOrganizationRef())
-			assert.Equal(t, "RUB", ledgerStub.createReq.GetCurrency())
-			assert.Equal(t, ledgerv1.AccountType_ACCOUNT_TYPE_ASSET, ledgerStub.createReq.GetAccountType())
-			assert.Equal(t, ledgerv1.AccountStatus_ACCOUNT_STATUS_ACTIVE, ledgerStub.createReq.GetStatus())
-			assert.Equal(t, ledgerv1.AccountRole_ACCOUNT_ROLE_OPERATING, ledgerStub.createReq.GetRole())
+		if assert.Len(t, ledgerStub.createReqs, 2) {
+			currencies := make([]string, 0, len(ledgerStub.createReqs))
+			for _, req := range ledgerStub.createReqs {
+				currencies = append(currencies, req.GetCurrency())
+				assert.Equal(t, org.ID.Hex(), req.GetOrganizationRef())
+				assert.Equal(t, ledgerv1.AccountType_ACCOUNT_TYPE_ASSET, req.GetAccountType())
+				assert.Equal(t, ledgerv1.AccountStatus_ACCOUNT_STATUS_ACTIVE, req.GetStatus())
+				assert.Equal(t, ledgerv1.AccountRole_ACCOUNT_ROLE_OPERATING, req.GetRole())
 				assert.Equal(t, map[string]string{
 					"source": "signup",
 					"login":  "owner@example.com",
-			}, ledgerStub.createReq.GetMetadata())
-			if assert.NotNil(t, ledgerStub.createReq.GetDescribable()) {
-				assert.Equal(t, "Primary Ledger", ledgerStub.createReq.GetDescribable().GetName())
-				if assert.NotNil(t, ledgerStub.createReq.GetDescribable().Description) {
-					assert.Equal(t, "Main org ledger account", ledgerStub.createReq.GetDescribable().GetDescription())
+				}, req.GetMetadata())
+				if assert.NotNil(t, req.GetDescribable()) {
+					assert.Equal(t, "Primary Ledger", req.GetDescribable().GetName())
+					if assert.NotNil(t, req.GetDescribable().Description) {
+						assert.Equal(t, "Main org ledger account", req.GetDescribable().GetDescription())
 					}
 				}
 			}
+			assert.ElementsMatch(t, []string{"RUB", "USDT"}, currencies)
+		}
 	})
 
 	t.Run("fails when ledger client is missing", func(t *testing.T) {

api/gateway/mntx/internal/service/gateway/card_processor.go

@@ -54,7 +54,7 @@ type cardPayoutProcessor struct {
 	dispatchSerialGate  chan struct{}
 
 	retryPolicy  payoutFailurePolicy
-	retryDelayFn func(attempt uint32) time.Duration
+	retryDelayFn func(attempt uint32, strategy payoutRetryStrategy) time.Duration
 
 	retryMu     sync.Mutex
 	retryTimers map[string]*time.Timer
@@ -149,15 +149,13 @@ func applyCardPayoutSendResult(state *model.CardPayout, result *monetix.CardPayo
 		return
 	}
 	state.ProviderPaymentID = strings.TrimSpace(result.ProviderRequestID)
+	state.ProviderCode = strings.TrimSpace(result.ErrorCode)
+	state.ProviderMessage = strings.TrimSpace(result.ErrorMessage)
 	if result.Accepted {
 		state.Status = model.PayoutStatusWaiting
-		state.ProviderCode = ""
-		state.ProviderMessage = ""
 		return
 	}
 	state.Status = model.PayoutStatusFailed
-	state.ProviderCode = strings.TrimSpace(result.ErrorCode)
-	state.ProviderMessage = strings.TrimSpace(result.ErrorMessage)
 }
 
 func payoutStateLogFields(state *model.CardPayout) []zap.Field {
@@ -593,13 +591,20 @@ func payoutAcceptedForState(state *model.CardPayout) bool {
 		return false
 	}
 	switch state.Status {
-	case model.PayoutStatusFailed, model.PayoutStatusCancelled:
+	case model.PayoutStatusFailed, model.PayoutStatusNeedsAttention, model.PayoutStatusCancelled:
 		return false
 	default:
 		return true
 	}
 }
 
+func terminalStatusAfterRetryExhausted(decision payoutFailureDecision) model.PayoutStatus {
+	if decision.Action == payoutFailureActionRetry {
+		return model.PayoutStatusNeedsAttention
+	}
+	return model.PayoutStatusFailed
+}
+
 func cardPayoutResponseFromState(
 	state *model.CardPayout,
 	accepted bool,
@@ -733,15 +738,21 @@ func (p *cardPayoutProcessor) scheduleRetryTimer(operationRef string, delay time
 	p.retryTimers[key] = timer
 }
 
-func retryDelayDuration(attempt uint32) time.Duration {
-	return time.Duration(retryDelayForAttempt(attempt)) * time.Second
+func retryDelayDuration(attempt uint32, strategy payoutRetryStrategy) time.Duration {
+	return time.Duration(retryDelayForAttempt(attempt, strategy)) * time.Second
 }
 
-func (p *cardPayoutProcessor) scheduleCardPayoutRetry(req *mntxv1.CardPayoutRequest, failedAttempt uint32, maxAttempts uint32) {
+func (p *cardPayoutProcessor) scheduleCardPayoutRetry(
+	req *mntxv1.CardPayoutRequest,
+	failedAttempt uint32,
+	maxAttempts uint32,
+	strategy payoutRetryStrategy,
+) {
 	if p == nil || req == nil {
 		return
 	}
 	maxAttempts = maxDispatchAttempts(maxAttempts)
+	strategy = normalizeRetryStrategy(strategy)
 	nextAttempt := failedAttempt + 1
 	if nextAttempt > maxAttempts {
 		return
@@ -751,12 +762,13 @@ func (p *cardPayoutProcessor) scheduleCardPayoutRetry(req *mntxv1.CardPayoutRequ
 		return
 	}
 	operationRef := findOperationRef(cloned.GetOperationRef(), cloned.GetPayoutId())
-	delay := retryDelayDuration(failedAttempt)
+	delay := retryDelayDuration(failedAttempt, strategy)
 	if p.retryDelayFn != nil {
-		delay = p.retryDelayFn(failedAttempt)
+		delay = p.retryDelayFn(failedAttempt, strategy)
 	}
 	p.logger.Info("Scheduling card payout retry",
 		zap.String("operation_ref", operationRef),
+		zap.String("strategy", strategy.String()),
 		zap.Uint32("failed_attempt", failedAttempt),
 		zap.Uint32("next_attempt", nextAttempt),
 		zap.Uint32("max_attempts", maxAttempts),
@@ -767,11 +779,17 @@ func (p *cardPayoutProcessor) scheduleCardPayoutRetry(req *mntxv1.CardPayoutRequ
 	})
 }
 
-func (p *cardPayoutProcessor) scheduleCardTokenPayoutRetry(req *mntxv1.CardTokenPayoutRequest, failedAttempt uint32, maxAttempts uint32) {
+func (p *cardPayoutProcessor) scheduleCardTokenPayoutRetry(
+	req *mntxv1.CardTokenPayoutRequest,
+	failedAttempt uint32,
+	maxAttempts uint32,
+	strategy payoutRetryStrategy,
+) {
 	if p == nil || req == nil {
 		return
 	}
 	maxAttempts = maxDispatchAttempts(maxAttempts)
+	strategy = normalizeRetryStrategy(strategy)
 	nextAttempt := failedAttempt + 1
 	if nextAttempt > maxAttempts {
 		return
@@ -781,12 +799,13 @@ func (p *cardPayoutProcessor) scheduleCardTokenPayoutRetry(req *mntxv1.CardToken
 		return
 	}
 	operationRef := findOperationRef(cloned.GetOperationRef(), cloned.GetPayoutId())
-	delay := retryDelayDuration(failedAttempt)
+	delay := retryDelayDuration(failedAttempt, strategy)
 	if p.retryDelayFn != nil {
-		delay = p.retryDelayFn(failedAttempt)
+		delay = p.retryDelayFn(failedAttempt, strategy)
 	}
 	p.logger.Info("Scheduling card token payout retry",
 		zap.String("operation_ref", operationRef),
+		zap.String("strategy", strategy.String()),
 		zap.Uint32("failed_attempt", failedAttempt),
 		zap.Uint32("next_attempt", nextAttempt),
 		zap.Uint32("max_attempts", maxAttempts),
@@ -857,11 +876,11 @@ func (p *cardPayoutProcessor) runCardPayoutRetry(req *mntxv1.CardPayoutRequest,
 				p.logger.Warn("Failed to persist retryable payout transport failure", zap.Error(upErr))
 				return
 			}
-			p.scheduleCardPayoutRetry(req, attempt, maxAttempts)
+			p.scheduleCardPayoutRetry(req, attempt, maxAttempts, decision.Strategy)
 			return
 		}
 
-		state.Status = model.PayoutStatusFailed
+		state.Status = terminalStatusAfterRetryExhausted(decision)
 		state.FailureReason = payoutFailureReason("", err.Error())
 		if upErr := p.updatePayoutStatus(ctx, state); upErr != nil {
 			p.logger.Warn("Failed to persist terminal payout transport failure", zap.Error(upErr))
@@ -889,11 +908,11 @@ func (p *cardPayoutProcessor) runCardPayoutRetry(req *mntxv1.CardPayoutRequest,
 			p.logger.Warn("Failed to persist retryable payout provider failure", zap.Error(upErr))
 			return
 		}
-		p.scheduleCardPayoutRetry(req, attempt, maxAttempts)
+		p.scheduleCardPayoutRetry(req, attempt, maxAttempts, decision.Strategy)
 		return
 	}
 
-	state.Status = model.PayoutStatusFailed
+	state.Status = terminalStatusAfterRetryExhausted(decision)
 	state.FailureReason = payoutFailureReason(result.ErrorCode, result.ErrorMessage)
 	if upErr := p.updatePayoutStatus(ctx, state); upErr != nil {
 		p.logger.Warn("Failed to persist terminal payout provider failure", zap.Error(upErr))
@@ -946,11 +965,11 @@ func (p *cardPayoutProcessor) runCardTokenPayoutRetry(req *mntxv1.CardTokenPayou
 				p.logger.Warn("Failed to persist retryable token payout transport failure", zap.Error(upErr))
 				return
 			}
-			p.scheduleCardTokenPayoutRetry(req, attempt, maxAttempts)
+			p.scheduleCardTokenPayoutRetry(req, attempt, maxAttempts, decision.Strategy)
 			return
 		}
 
-		state.Status = model.PayoutStatusFailed
+		state.Status = terminalStatusAfterRetryExhausted(decision)
 		state.FailureReason = payoutFailureReason("", err.Error())
 		if upErr := p.updatePayoutStatus(ctx, state); upErr != nil {
 			p.logger.Warn("Failed to persist terminal token payout transport failure", zap.Error(upErr))
@@ -978,11 +997,11 @@ func (p *cardPayoutProcessor) runCardTokenPayoutRetry(req *mntxv1.CardTokenPayou
 			p.logger.Warn("Failed to persist retryable token payout provider failure", zap.Error(upErr))
 			return
 		}
-		p.scheduleCardTokenPayoutRetry(req, attempt, maxAttempts)
+		p.scheduleCardTokenPayoutRetry(req, attempt, maxAttempts, decision.Strategy)
 		return
 	}
 
-	state.Status = model.PayoutStatusFailed
+	state.Status = terminalStatusAfterRetryExhausted(decision)
 	state.FailureReason = payoutFailureReason(result.ErrorCode, result.ErrorMessage)
 	if upErr := p.updatePayoutStatus(ctx, state); upErr != nil {
 		p.logger.Warn("Failed to persist terminal token payout provider failure", zap.Error(upErr))
@@ -1067,7 +1086,7 @@ func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayout
 	}
 	if existing != nil {
 		switch existing.Status {
-		case model.PayoutStatusProcessing, model.PayoutStatusWaiting, model.PayoutStatusSuccess, model.PayoutStatusFailed, model.PayoutStatusCancelled:
+		case model.PayoutStatusProcessing, model.PayoutStatusWaiting, model.PayoutStatusSuccess, model.PayoutStatusFailed, model.PayoutStatusNeedsAttention, model.PayoutStatusCancelled:
 			p.observeExecutionState(existing)
 			return cardPayoutResponseFromState(existing, payoutAcceptedForState(existing), "", ""), nil
 		}
@@ -1088,11 +1107,11 @@ func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayout
 				p.logger.Warn("Failed to update payout status", fields...)
 				return nil, e
 			}
-			p.scheduleCardPayoutRetry(req, 1, maxAttempts)
+			p.scheduleCardPayoutRetry(req, 1, maxAttempts, decision.Strategy)
 			return cardPayoutResponseFromState(state, true, "", ""), nil
 		}
 
-		state.Status = model.PayoutStatusFailed
+		state.Status = terminalStatusAfterRetryExhausted(decision)
 		state.FailureReason = payoutFailureReason("", err.Error())
 		if e := p.updatePayoutStatus(ctx, state); e != nil {
 			fields := append([]zap.Field{zap.Error(e)}, payoutStateLogFields(state)...)
@@ -1112,6 +1131,7 @@ func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayout
 	errorMessage := strings.TrimSpace(result.ErrorMessage)
 	scheduleRetry := false
 	retryMaxAttempts := uint32(0)
+	retryStrategy := payoutRetryStrategyImmediate
 
 	if !result.Accepted {
 		decision := p.retryPolicy.decideProviderFailure(result.ErrorCode)
@@ -1124,8 +1144,9 @@ func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayout
 			errorMessage = ""
 			scheduleRetry = true
 			retryMaxAttempts = maxAttempts
+			retryStrategy = decision.Strategy
 		} else {
-			state.Status = model.PayoutStatusFailed
+			state.Status = terminalStatusAfterRetryExhausted(decision)
 			state.FailureReason = payoutFailureReason(result.ErrorCode, result.ErrorMessage)
 			p.clearRetryState(state.OperationRef)
 		}
@@ -1144,7 +1165,7 @@ func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayout
 		return nil, err
 	}
 	if scheduleRetry {
-		p.scheduleCardPayoutRetry(req, 1, retryMaxAttempts)
+		p.scheduleCardPayoutRetry(req, 1, retryMaxAttempts, retryStrategy)
 	}
 
 	resp := cardPayoutResponseFromState(state, accepted, errorCode, errorMessage)
@@ -1231,7 +1252,7 @@ func (p *cardPayoutProcessor) SubmitToken(ctx context.Context, req *mntxv1.CardT
 	}
 	if existing != nil {
 		switch existing.Status {
-		case model.PayoutStatusProcessing, model.PayoutStatusWaiting, model.PayoutStatusSuccess, model.PayoutStatusFailed, model.PayoutStatusCancelled:
+		case model.PayoutStatusProcessing, model.PayoutStatusWaiting, model.PayoutStatusSuccess, model.PayoutStatusFailed, model.PayoutStatusNeedsAttention, model.PayoutStatusCancelled:
 			p.observeExecutionState(existing)
 			return cardTokenPayoutResponseFromState(existing, payoutAcceptedForState(existing), "", ""), nil
 		}
@@ -1250,11 +1271,11 @@ func (p *cardPayoutProcessor) SubmitToken(ctx context.Context, req *mntxv1.CardT
 			if e := p.updatePayoutStatus(ctx, state); e != nil {
 				return nil, e
 			}
-			p.scheduleCardTokenPayoutRetry(req, 1, maxAttempts)
+			p.scheduleCardTokenPayoutRetry(req, 1, maxAttempts, decision.Strategy)
 			return cardTokenPayoutResponseFromState(state, true, "", ""), nil
 		}
 
-		state.Status = model.PayoutStatusFailed
+		state.Status = terminalStatusAfterRetryExhausted(decision)
 		state.FailureReason = payoutFailureReason("", err.Error())
 		if e := p.updatePayoutStatus(ctx, state); e != nil {
 			return nil, e
@@ -1274,6 +1295,7 @@ func (p *cardPayoutProcessor) SubmitToken(ctx context.Context, req *mntxv1.CardT
 	errorMessage := strings.TrimSpace(result.ErrorMessage)
 	scheduleRetry := false
 	retryMaxAttempts := uint32(0)
+	retryStrategy := payoutRetryStrategyImmediate
 
 	if !result.Accepted {
 		decision := p.retryPolicy.decideProviderFailure(result.ErrorCode)
@@ -1286,8 +1308,9 @@ func (p *cardPayoutProcessor) SubmitToken(ctx context.Context, req *mntxv1.CardT
 			errorMessage = ""
 			scheduleRetry = true
 			retryMaxAttempts = maxAttempts
+			retryStrategy = decision.Strategy
 		} else {
-			state.Status = model.PayoutStatusFailed
+			state.Status = terminalStatusAfterRetryExhausted(decision)
 			state.FailureReason = payoutFailureReason(result.ErrorCode, result.ErrorMessage)
 			p.clearRetryState(state.OperationRef)
 		}
@@ -1301,7 +1324,7 @@ func (p *cardPayoutProcessor) SubmitToken(ctx context.Context, req *mntxv1.CardT
 		return nil, err
 	}
 	if scheduleRetry {
-		p.scheduleCardTokenPayoutRetry(req, 1, retryMaxAttempts)
+		p.scheduleCardTokenPayoutRetry(req, 1, retryMaxAttempts, retryStrategy)
 	}
 
 	resp := cardTokenPayoutResponseFromState(state, accepted, errorCode, errorMessage)
@@ -1470,7 +1493,7 @@ func (p *cardPayoutProcessor) ProcessCallback(ctx context.Context, payload []byt
 	}
 
 	retryScheduled := false
-	if state.Status == model.PayoutStatusFailed || state.Status == model.PayoutStatusCancelled {
+	if state.Status == model.PayoutStatusFailed || state.Status == model.PayoutStatusCancelled || state.Status == model.PayoutStatusNeedsAttention {
 		decision := p.retryPolicy.decideProviderFailure(state.ProviderCode)
 		attemptsUsed := p.currentDispatchAttempt(operationRef)
 		maxAttempts := p.maxDispatchAttempts()
@@ -1488,7 +1511,7 @@ func (p *cardPayoutProcessor) ProcessCallback(ctx context.Context, payload []byt
 					p.logger.Warn("Failed to persist callback retry scheduling state", zap.Error(err))
 					return http.StatusInternalServerError, err
 				}
-				p.scheduleCardPayoutRetry(req, attemptsUsed, maxAttempts)
+				p.scheduleCardPayoutRetry(req, attemptsUsed, maxAttempts, decision.Strategy)
 				retryScheduled = true
 			} else if req := p.loadCardTokenRetryRequest(operationRef); req != nil {
 				state.Status = model.PayoutStatusProcessing
@@ -1503,7 +1526,7 @@ func (p *cardPayoutProcessor) ProcessCallback(ctx context.Context, payload []byt
 					p.logger.Warn("Failed to persist callback token retry scheduling state", zap.Error(err))
 					return http.StatusInternalServerError, err
 				}
-				p.scheduleCardTokenPayoutRetry(req, attemptsUsed, maxAttempts)
+				p.scheduleCardTokenPayoutRetry(req, attemptsUsed, maxAttempts, decision.Strategy)
 				retryScheduled = true
 			} else {
 				p.logger.Warn("Retryable callback decline received but no retry request snapshot found",
@@ -1514,6 +1537,12 @@ func (p *cardPayoutProcessor) ProcessCallback(ctx context.Context, payload []byt
 				)
 			}
 		}
+		if !retryScheduled && decision.Action == payoutFailureActionRetry {
+			state.Status = model.PayoutStatusNeedsAttention
+		}
+		if existing != nil && existing.Status == model.PayoutStatusNeedsAttention {
+			state.Status = model.PayoutStatusNeedsAttention
+		}
 		if !retryScheduled && strings.TrimSpace(state.FailureReason) == "" {
 			state.FailureReason = payoutFailureReason(state.ProviderCode, state.ProviderMessage)
 		}

api/gateway/mntx/internal/service/gateway/card_processor_test.go

@@ -101,6 +101,68 @@ func TestCardPayoutProcessor_Submit_Success(t *testing.T) {
 	}
 }
 
+func TestCardPayoutProcessor_Submit_AcceptedBodyErrorRemainsWaiting(t *testing.T) {
+	cfg := monetix.Config{
+		BaseURL:           "https://monetix.test",
+		SecretKey:         "secret",
+		ProjectID:         99,
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	repo := newMockRepository()
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			resp := monetix.APIResponse{
+				Status:  "error",
+				Code:    "3062",
+				Message: "Payment details not received",
+			}
+			body, _ := json.Marshal(resp)
+			return &http.Response{
+				StatusCode: http.StatusOK,
+				Body:       io.NopCloser(bytes.NewReader(body)),
+				Header:     http.Header{"Content-Type": []string{"application/json"}},
+			}, nil
+		}),
+	}
+
+	now := time.Date(2024, 1, 1, 12, 0, 0, 0, time.UTC)
+	processor := newCardPayoutProcessor(zap.NewNop(), cfg, staticClock{now: now}, repo, httpClient, nil)
+
+	req := validCardPayoutRequest()
+
+	resp, err := processor.Submit(context.Background(), req)
+	if err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+	if !resp.GetAccepted() {
+		t.Fatalf("expected accepted payout response")
+	}
+	if resp.GetPayout().GetStatus() != mntxv1.PayoutStatus_PAYOUT_STATUS_WAITING {
+		t.Fatalf("expected waiting status, got %v", resp.GetPayout().GetStatus())
+	}
+	if got := resp.GetErrorCode(); got != "3062" {
+		t.Fatalf("expected response error code %q, got %q", "3062", got)
+	}
+	if got := resp.GetErrorMessage(); got != "Payment details not received" {
+		t.Fatalf("expected response error message, got %q", got)
+	}
+
+	stored, ok := repo.payouts.Get(req.GetPayoutId())
+	if !ok || stored == nil {
+		t.Fatalf("expected payout state stored")
+	}
+	if got := stored.Status; got != model.PayoutStatusWaiting {
+		t.Fatalf("expected stored waiting status, got %v", got)
+	}
+	if got := stored.ProviderCode; got != "3062" {
+		t.Fatalf("expected stored provider code %q, got %q", "3062", got)
+	}
+	if got := stored.ProviderMessage; got != "Payment details not received" {
+		t.Fatalf("expected stored provider message, got %q", got)
+	}
+}
+
 func TestCardPayoutProcessor_Submit_MissingConfig(t *testing.T) {
 	cfg := monetix.Config{
 		AllowedCurrencies: []string{"RUB"},
@@ -525,7 +587,7 @@ func TestCardPayoutProcessor_Submit_RetriesProviderLimitDeclineUntilSuccess(t *t
 			n := calls.Add(1)
 			resp := monetix.APIResponse{}
 			if n == 1 {
-				resp.Code = providerCodeDeclineAmountOrFrequencyLimit
+				resp.Code = "10101"
 				resp.Message = "Decline due to amount or frequency limit"
 				body, _ := json.Marshal(resp)
 				return &http.Response{
@@ -554,7 +616,7 @@ func TestCardPayoutProcessor_Submit_RetriesProviderLimitDeclineUntilSuccess(t *t
 	)
 	defer processor.stopRetries()
 	processor.dispatchThrottleInterval = 0
-	processor.retryDelayFn = func(uint32) time.Duration { return 10 * time.Millisecond }
+	processor.retryDelayFn = func(uint32, payoutRetryStrategy) time.Duration { return 10 * time.Millisecond }
 
 	req := validCardPayoutRequest()
 	resp, err := processor.Submit(context.Background(), req)
@@ -581,7 +643,7 @@ func TestCardPayoutProcessor_Submit_RetriesProviderLimitDeclineUntilSuccess(t *t
 	}
 }
 
-func TestCardPayoutProcessor_Submit_RetriesProviderLimitDeclineThenFails(t *testing.T) {
+func TestCardPayoutProcessor_Submit_ProviderRetryUsesDelayedStrategy(t *testing.T) {
 	cfg := monetix.Config{
 		BaseURL:           "https://monetix.test",
 		SecretKey:         "secret",
@@ -590,12 +652,10 @@ func TestCardPayoutProcessor_Submit_RetriesProviderLimitDeclineThenFails(t *test
 	}
 
 	repo := newMockRepository()
-	var calls atomic.Int32
 	httpClient := &http.Client{
 		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
-			_ = calls.Add(1)
 			resp := monetix.APIResponse{
-				Code:    providerCodeDeclineAmountOrFrequencyLimit,
+				Code:    "10101",
 				Message: "Decline due to amount or frequency limit",
 			}
 			body, _ := json.Marshal(resp)
@@ -617,7 +677,159 @@ func TestCardPayoutProcessor_Submit_RetriesProviderLimitDeclineThenFails(t *test
 	)
 	defer processor.stopRetries()
 	processor.dispatchThrottleInterval = 0
-	processor.retryDelayFn = func(uint32) time.Duration { return time.Millisecond }
+
+	capturedStrategy := payoutRetryStrategy(0)
+	processor.retryDelayFn = func(_ uint32, strategy payoutRetryStrategy) time.Duration {
+		capturedStrategy = strategy
+		return time.Hour
+	}
+
+	resp, err := processor.Submit(context.Background(), validCardPayoutRequest())
+	if err != nil {
+		t.Fatalf("submit returned error: %v", err)
+	}
+	if !resp.GetAccepted() {
+		t.Fatalf("expected accepted response when retry is scheduled")
+	}
+	if got := normalizeRetryStrategy(capturedStrategy); got != payoutRetryStrategyDelayed {
+		t.Fatalf("unexpected retry strategy: got=%v want=%v", got, payoutRetryStrategyDelayed)
+	}
+}
+
+func TestCardPayoutProcessor_Submit_StatusRefreshRetryUsesStatusRefreshStrategy(t *testing.T) {
+	cfg := monetix.Config{
+		BaseURL:           "https://monetix.test",
+		SecretKey:         "secret",
+		ProjectID:         99,
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	repo := newMockRepository()
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			resp := monetix.APIResponse{
+				Code:    "3061",
+				Message: "Transaction not found",
+			}
+			body, _ := json.Marshal(resp)
+			return &http.Response{
+				StatusCode: http.StatusBadRequest,
+				Body:       io.NopCloser(bytes.NewReader(body)),
+				Header:     http.Header{"Content-Type": []string{"application/json"}},
+			}, nil
+		}),
+	}
+
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2026, 3, 4, 1, 2, 3, 0, time.UTC)},
+		repo,
+		httpClient,
+		nil,
+	)
+	defer processor.stopRetries()
+	processor.dispatchThrottleInterval = 0
+
+	capturedStrategy := payoutRetryStrategy(0)
+	processor.retryDelayFn = func(_ uint32, strategy payoutRetryStrategy) time.Duration {
+		capturedStrategy = strategy
+		return time.Hour
+	}
+
+	resp, err := processor.Submit(context.Background(), validCardPayoutRequest())
+	if err != nil {
+		t.Fatalf("submit returned error: %v", err)
+	}
+	if !resp.GetAccepted() {
+		t.Fatalf("expected accepted response when retry is scheduled")
+	}
+	if got := normalizeRetryStrategy(capturedStrategy); got != payoutRetryStrategyStatusRefresh {
+		t.Fatalf("unexpected retry strategy: got=%v want=%v", got, payoutRetryStrategyStatusRefresh)
+	}
+}
+
+func TestCardPayoutProcessor_Submit_TransportRetryUsesImmediateStrategy(t *testing.T) {
+	cfg := monetix.Config{
+		BaseURL:           "https://monetix.test",
+		SecretKey:         "secret",
+		ProjectID:         99,
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	repo := newMockRepository()
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			return nil, errors.New("transport timeout")
+		}),
+	}
+
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2026, 3, 4, 1, 2, 3, 0, time.UTC)},
+		repo,
+		httpClient,
+		nil,
+	)
+	defer processor.stopRetries()
+	processor.dispatchThrottleInterval = 0
+
+	capturedStrategy := payoutRetryStrategy(0)
+	processor.retryDelayFn = func(_ uint32, strategy payoutRetryStrategy) time.Duration {
+		capturedStrategy = strategy
+		return time.Hour
+	}
+
+	resp, err := processor.Submit(context.Background(), validCardPayoutRequest())
+	if err != nil {
+		t.Fatalf("submit returned error: %v", err)
+	}
+	if !resp.GetAccepted() {
+		t.Fatalf("expected accepted response when retry is scheduled")
+	}
+	if got := normalizeRetryStrategy(capturedStrategy); got != payoutRetryStrategyImmediate {
+		t.Fatalf("unexpected retry strategy: got=%v want=%v", got, payoutRetryStrategyImmediate)
+	}
+}
+
+func TestCardPayoutProcessor_Submit_RetriesProviderLimitDeclineThenNeedsAttention(t *testing.T) {
+	cfg := monetix.Config{
+		BaseURL:           "https://monetix.test",
+		SecretKey:         "secret",
+		ProjectID:         99,
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	repo := newMockRepository()
+	var calls atomic.Int32
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			_ = calls.Add(1)
+			resp := monetix.APIResponse{
+				Code:    "10101",
+				Message: "Decline due to amount or frequency limit",
+			}
+			body, _ := json.Marshal(resp)
+			return &http.Response{
+				StatusCode: http.StatusTooManyRequests,
+				Body:       io.NopCloser(bytes.NewReader(body)),
+				Header:     http.Header{"Content-Type": []string{"application/json"}},
+			}, nil
+		}),
+	}
+
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2026, 3, 4, 1, 2, 3, 0, time.UTC)},
+		repo,
+		httpClient,
+		nil,
+	)
+	defer processor.stopRetries()
+	processor.dispatchThrottleInterval = 0
+	processor.retryDelayFn = func(uint32, payoutRetryStrategy) time.Duration { return time.Millisecond }
 
 	req := validCardPayoutRequest()
 	resp, err := processor.Submit(context.Background(), req)
@@ -631,14 +843,14 @@ func TestCardPayoutProcessor_Submit_RetriesProviderLimitDeclineThenFails(t *test
 	deadline := time.Now().Add(2 * time.Second)
 	for {
 		state, ok := repo.payouts.Get(req.GetPayoutId())
-		if ok && state != nil && state.Status == model.PayoutStatusFailed {
-			if !strings.Contains(state.FailureReason, providerCodeDeclineAmountOrFrequencyLimit) {
+		if ok && state != nil && state.Status == model.PayoutStatusNeedsAttention {
+			if !strings.Contains(state.FailureReason, "10101") {
 				t.Fatalf("expected failure reason to include provider code, got=%q", state.FailureReason)
 			}
 			break
 		}
 		if time.Now().After(deadline) {
-			t.Fatalf("timeout waiting for terminal failed status")
+			t.Fatalf("timeout waiting for terminal needs_attention status")
 		}
 		time.Sleep(10 * time.Millisecond)
 	}
@@ -647,6 +859,59 @@ func TestCardPayoutProcessor_Submit_RetriesProviderLimitDeclineThenFails(t *test
 	}
 }
 
+func TestCardPayoutProcessor_Submit_NonRetryProviderDeclineRemainsFailed(t *testing.T) {
+	cfg := monetix.Config{
+		BaseURL:           "https://monetix.test",
+		SecretKey:         "secret",
+		ProjectID:         99,
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	repo := newMockRepository()
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			resp := monetix.APIResponse{
+				Code:    "10003",
+				Message: "Decline by anti-fraud policy",
+			}
+			body, _ := json.Marshal(resp)
+			return &http.Response{
+				StatusCode: http.StatusBadRequest,
+				Body:       io.NopCloser(bytes.NewReader(body)),
+				Header:     http.Header{"Content-Type": []string{"application/json"}},
+			}, nil
+		}),
+	}
+
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2026, 3, 4, 1, 2, 3, 0, time.UTC)},
+		repo,
+		httpClient,
+		nil,
+	)
+	defer processor.stopRetries()
+	processor.dispatchThrottleInterval = 0
+
+	req := validCardPayoutRequest()
+	resp, err := processor.Submit(context.Background(), req)
+	if err != nil {
+		t.Fatalf("submit returned error: %v", err)
+	}
+	if resp.GetAccepted() {
+		t.Fatalf("expected non-accepted response for non-retryable provider decline")
+	}
+
+	state, ok := repo.payouts.Get(req.GetPayoutId())
+	if !ok || state == nil {
+		t.Fatal("expected stored payout state")
+	}
+	if got, want := state.Status, model.PayoutStatusFailed; got != want {
+		t.Fatalf("unexpected payout status: got=%q want=%q", got, want)
+	}
+}
+
 func TestCardPayoutProcessor_ProcessCallback_RetryableDeclineSchedulesRetry(t *testing.T) {
 	cfg := monetix.Config{
 		BaseURL:           "https://monetix.test",
@@ -687,7 +952,7 @@ func TestCardPayoutProcessor_ProcessCallback_RetryableDeclineSchedulesRetry(t *t
 	)
 	defer processor.stopRetries()
 	processor.dispatchThrottleInterval = 0
-	processor.retryDelayFn = func(uint32) time.Duration { return 5 * time.Millisecond }
+	processor.retryDelayFn = func(uint32, payoutRetryStrategy) time.Duration { return 5 * time.Millisecond }
 
 	req := validCardPayoutRequest()
 	resp, err := processor.Submit(context.Background(), req)
@@ -702,7 +967,7 @@ func TestCardPayoutProcessor_ProcessCallback_RetryableDeclineSchedulesRetry(t *t
 	cb.Payment.ID = req.GetPayoutId()
 	cb.Payment.Status = "failed"
 	cb.Operation.Status = "failed"
-	cb.Operation.Code = providerCodeDeclineAmountOrFrequencyLimit
+	cb.Operation.Code = "10101"
 	cb.Operation.Message = "Decline due to amount or frequency limit"
 	cb.Payment.Sum.Currency = "RUB"
 

api/gateway/mntx/internal/service/gateway/helpers.go

@@ -69,6 +69,9 @@ func payoutStatusToProto(s model.PayoutStatus) mntxv1.PayoutStatus {
 		return mntxv1.PayoutStatus_PAYOUT_STATUS_SUCCESS
 	case model.PayoutStatusFailed:
 		return mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+	case model.PayoutStatusNeedsAttention:
+		// Connector/gateway proto does not expose needs_attention yet; map it to failed externally.
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
 	case model.PayoutStatusCancelled:
 		return mntxv1.PayoutStatus_PAYOUT_STATUS_CANCELLED
 	default:

api/gateway/mntx/internal/service/gateway/helpers_status_test.go

@@ -0,0 +1,14 @@
+package gateway
+
+import (
+	"testing"
+
+	"github.com/tech/sendico/gateway/mntx/storage/model"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func TestPayoutStatusToProto_NeedsAttentionMapsToFailed(t *testing.T) {
+	if got, want := payoutStatusToProto(model.PayoutStatusNeedsAttention), mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED; got != want {
+		t.Fatalf("unexpected proto status: got=%v want=%v", got, want)
+	}
+}

api/gateway/mntx/internal/service/gateway/payout_failure_policy.go

@@ -1,13 +1,11 @@
 package gateway
 
 import (
+	"sort"
+	"strconv"
 	"strings"
 )
 
-const (
-	providerCodeDeclineAmountOrFrequencyLimit = "10101"
-)
-
 type payoutFailureAction int
 
 const (
@@ -15,46 +13,136 @@ const (
 	payoutFailureActionRetry
 )
 
+type payoutRetryStrategy int
+
+const (
+	payoutRetryStrategyImmediate payoutRetryStrategy = iota + 1
+	payoutRetryStrategyDelayed
+	payoutRetryStrategyStatusRefresh
+)
+
 type payoutFailureDecision struct {
 	Action   payoutFailureAction
+	Strategy payoutRetryStrategy
 	Reason   string
 }
 
 type payoutFailurePolicy struct {
-	providerCodeActions map[string]payoutFailureAction
+	providerCodeStrategies  map[string]payoutRetryStrategy
+	documentedProviderCodes map[string]struct{}
 }
 
-func defaultPayoutFailurePolicy() payoutFailurePolicy {
-	return payoutFailurePolicy{
-		providerCodeActions: map[string]payoutFailureAction{
-			providerCodeDeclineAmountOrFrequencyLimit: payoutFailureActionRetry,
+type retryCodeBucket struct {
+	strategy  payoutRetryStrategy
+	retryable bool
+	codes     []string
+}
+
+var providerRetryOnlyCodeBuckets = []retryCodeBucket{
+	// GTX "repeat request now / temporary issue" style codes.
+	{
+		strategy:  payoutRetryStrategyImmediate,
+		retryable: true,
+		codes: []string{
+			// General codes.
+			"104", "108", "301", "320", "601", "602", "603", "3025", "3198",
+			// External card PS codes.
+			"10000", "10100", "10104", "10105", "10107", "10202", "102051", "10301", "105012", "10505", "10601", "10602", "10603",
+			// External alternate PS codes.
+			"20000", "20100", "20104", "20105", "20202", "20301", "20304", "20601", "20602", "20603",
 		},
+	},
+	// GTX "retry later / limits / period restrictions" style codes.
+	{
+		strategy:  payoutRetryStrategyDelayed,
+		retryable: true,
+		codes: []string{
+			// General codes.
+			"312", "314", "315", "316", "325", "2466",
+			"3106", "3108", "3109", "3110", "3111", "3112",
+			"3285", "3297", "3298",
+			"3305", "3306", "3307", "3308", "3309", "3310", "3311", "3312", "3313", "3314", "3315", "3316", "3317", "3318", "3319", "3320", "3321", "3322", "3323", "3324", "3325", "3326", "3327", "3328", "3329", "3330", "3331", "3332", "3333", "3334", "3335", "3336", "3337", "3338", "3339", "3340",
+			"3342", "3343", "3344", "3345", "3346", "3347", "3348", "3349", "3350", "3351", "3352", "3353", "3355", "3357",
+			"3407", "3408", "3450", "3451", "3452", "3613",
+			// External card PS codes.
+			"10101", "10109", "10112", "10114", "101012", "101013", "101014",
+			// External alternate PS codes.
+			"20109", "20206", "20505", "201012", "201013", "201014",
+		},
+	},
+	// GTX status refresh/polling conditions.
+	{
+		strategy:  payoutRetryStrategyStatusRefresh,
+		retryable: true,
+		codes: []string{
+			"3061", "3062",
+			"9999", "19999", "20802", "29999",
+		},
+	},
+}
+
+var providerDocumentedNonRetryCodes = buildDocumentedNonRetryCodes(providerDocumentedCodes, providerRetryOnlyCodeBuckets)
+
+var providerRetryCodeBuckets = func() []retryCodeBucket {
+	buckets := make([]retryCodeBucket, 0, len(providerRetryOnlyCodeBuckets)+1)
+	buckets = append(buckets, providerRetryOnlyCodeBuckets...)
+	buckets = append(buckets, retryCodeBucket{
+		strategy:  payoutRetryStrategyImmediate,
+		retryable: false,
+		codes:     providerDocumentedNonRetryCodes,
+	})
+	return buckets
+}()
+
+func defaultPayoutFailurePolicy() payoutFailurePolicy {
+	strategies := map[string]payoutRetryStrategy{}
+	for _, bucket := range providerRetryCodeBuckets {
+		if !bucket.retryable {
+			continue
+		}
+		registerRetryStrategy(strategies, bucket.strategy, bucket.codes...)
+	}
+
+	return payoutFailurePolicy{
+		providerCodeStrategies:  strategies,
+		documentedProviderCodes: newCodeSet(providerDocumentedCodes),
 	}
 }
 
 func (p payoutFailurePolicy) decideProviderFailure(code string) payoutFailureDecision {
-	normalized := strings.TrimSpace(code)
+	normalized := normalizeProviderCode(code)
 	if normalized == "" {
 		return payoutFailureDecision{
 			Action:   payoutFailureActionFail,
+			Strategy: payoutRetryStrategyImmediate,
 			Reason:   "provider_failure",
 		}
 	}
-	if action, ok := p.providerCodeActions[normalized]; ok {
+	if strategy, ok := p.providerCodeStrategies[normalized]; ok {
 		return payoutFailureDecision{
-			Action: action,
+			Action:   payoutFailureActionRetry,
+			Strategy: strategy,
 			Reason:   "provider_code_" + normalized,
 		}
 	}
+	if _, ok := p.documentedProviderCodes[normalized]; ok {
+		return payoutFailureDecision{
+			Action:   payoutFailureActionFail,
+			Strategy: payoutRetryStrategyImmediate,
+			Reason:   "provider_code_" + normalized + "_documented_non_retry",
+		}
+	}
 	return payoutFailureDecision{
 		Action:   payoutFailureActionFail,
-		Reason: "provider_code_" + normalized,
+		Strategy: payoutRetryStrategyImmediate,
+		Reason:   "provider_code_" + normalized + "_unknown",
 	}
 }
 
 func (p payoutFailurePolicy) decideTransportFailure() payoutFailureDecision {
 	return payoutFailureDecision{
 		Action:   payoutFailureActionRetry,
+		Strategy: payoutRetryStrategyImmediate,
 		Reason:   "transport_failure",
 	}
 }
@@ -72,8 +160,40 @@ func payoutFailureReason(code, message string) string {
 	}
 }
 
-func retryDelayForAttempt(attempt uint32) int {
-	// Backoff in seconds by attempt number (attempt starts at 1).
+func retryDelayForAttempt(attempt uint32, strategy payoutRetryStrategy) int {
+	strategy = normalizeRetryStrategy(strategy)
+
+	// Backoff in seconds by strategy and attempt number (attempt starts at 1).
+	if strategy == payoutRetryStrategyStatusRefresh {
+		switch {
+		case attempt <= 1:
+			return 10
+		case attempt == 2:
+			return 20
+		case attempt == 3:
+			return 40
+		case attempt == 4:
+			return 80
+		default:
+			return 160
+		}
+	}
+
+	if strategy == payoutRetryStrategyDelayed {
+		switch {
+		case attempt <= 1:
+			return 30
+		case attempt == 2:
+			return 120
+		case attempt == 3:
+			return 600
+		case attempt == 4:
+			return 1800
+		default:
+			return 7200
+		}
+	}
+
 	switch {
 	case attempt <= 1:
 		return 5
@@ -85,3 +205,86 @@ func retryDelayForAttempt(attempt uint32) int {
 		return 60
 	}
 }
+
+func registerRetryStrategy(dst map[string]payoutRetryStrategy, strategy payoutRetryStrategy, codes ...string) {
+	if dst == nil || len(codes) == 0 {
+		return
+	}
+	strategy = normalizeRetryStrategy(strategy)
+	for _, code := range codes {
+		normalized := normalizeProviderCode(code)
+		if normalized == "" {
+			continue
+		}
+		dst[normalized] = strategy
+	}
+}
+
+func newCodeSet(codes []string) map[string]struct{} {
+	set := map[string]struct{}{}
+	for _, code := range codes {
+		normalized := normalizeProviderCode(code)
+		if normalized == "" {
+			continue
+		}
+		set[normalized] = struct{}{}
+	}
+	return set
+}
+
+func buildDocumentedNonRetryCodes(documented []string, retryBuckets []retryCodeBucket) []string {
+	documentedSet := newCodeSet(documented)
+	retrySet := map[string]struct{}{}
+	for _, bucket := range retryBuckets {
+		for _, code := range bucket.codes {
+			normalized := normalizeProviderCode(code)
+			if normalized == "" {
+				continue
+			}
+			retrySet[normalized] = struct{}{}
+		}
+	}
+
+	nonRetry := make([]string, 0, len(documentedSet))
+	for code := range documentedSet {
+		if _, ok := retrySet[code]; ok {
+			continue
+		}
+		nonRetry = append(nonRetry, code)
+	}
+
+	sort.Slice(nonRetry, func(i, j int) bool {
+		left, leftErr := strconv.Atoi(nonRetry[i])
+		right, rightErr := strconv.Atoi(nonRetry[j])
+		if leftErr != nil || rightErr != nil {
+			return nonRetry[i] < nonRetry[j]
+		}
+		return left < right
+	})
+
+	return nonRetry
+}
+
+func normalizeProviderCode(code string) string {
+	return strings.TrimSpace(code)
+}
+
+func normalizeRetryStrategy(strategy payoutRetryStrategy) payoutRetryStrategy {
+	switch strategy {
+	case payoutRetryStrategyDelayed, payoutRetryStrategyStatusRefresh:
+		return strategy
+	default:
+		return payoutRetryStrategyImmediate
+	}
+}
+
+func (s payoutRetryStrategy) String() string {
+	switch normalizeRetryStrategy(s) {
+	case payoutRetryStrategyDelayed:
+		return "delayed"
+	case payoutRetryStrategyStatusRefresh:
+		return "status_refresh"
+	default:
+		return "immediate"
+	}
+}

api/gateway/mntx/internal/service/gateway/payout_failure_policy_doccodes.go

@@ -0,0 +1,402 @@
+package gateway
+
+// providerDocumentedCodes is the normalized list of numeric response codes documented in
+// https://developers.gtxpoint.com/ru/ru_gate_statuses_and_response_codes.html
+// (all response-code tables).
+var providerDocumentedCodes = []string{
+	"0",
+	"100",
+	"104",
+	"108",
+	"109",
+	"301",
+	"303",
+	"309",
+	"310",
+	"311",
+	"312",
+	"313",
+	"314",
+	"315",
+	"316",
+	"320",
+	"325",
+	"402",
+	"501",
+	"502",
+	"504",
+	"601",
+	"602",
+	"603",
+	"702",
+	"903",
+	"904",
+	"1337",
+	"1401",
+	"1402",
+	"1403",
+	"1404",
+	"1405",
+	"1406",
+	"1407",
+	"1408",
+	"1409",
+	"1410",
+	"1411",
+	"1412",
+	"1413",
+	"1415",
+	"1416",
+	"1417",
+	"1418",
+	"1419",
+	"1420",
+	"1421",
+	"1422",
+	"1423",
+	"1424",
+	"1425",
+	"1426",
+	"1427",
+	"1428",
+	"1429",
+	"1430",
+	"1431",
+	"1432",
+	"1433",
+	"1434",
+	"1435",
+	"1436",
+	"1437",
+	"1438",
+	"1439",
+	"1441",
+	"1451",
+	"1452",
+	"1453",
+	"1454",
+	"1455",
+	"1456",
+	"1457",
+	"1461",
+	"1462",
+	"1463",
+	"1464",
+	"1499",
+	"2003",
+	"2004",
+	"2005",
+	"2008",
+	"2014",
+	"2061",
+	"2123",
+	"2124",
+	"2154",
+	"2164",
+	"2261",
+	"2426",
+	"2442",
+	"2466",
+	"2541",
+	"2606",
+	"2609",
+	"2610",
+	"2611",
+	"2641",
+	"2642",
+	"2701",
+	"2801",
+	"2881",
+	"2945",
+	"2949",
+	"3001",
+	"3002",
+	"3003",
+	"3004",
+	"3019",
+	"3020",
+	"3021",
+	"3022",
+	"3023",
+	"3024",
+	"3025",
+	"3026",
+	"3027",
+	"3028",
+	"3029",
+	"3030",
+	"3041",
+	"3059",
+	"3060",
+	"3061",
+	"3062",
+	"3081",
+	"3101",
+	"3102",
+	"3103",
+	"3104",
+	"3105",
+	"3106",
+	"3107",
+	"3108",
+	"3109",
+	"3110",
+	"3111",
+	"3112",
+	"3118",
+	"3119",
+	"3120",
+	"3121",
+	"3122",
+	"3123",
+	"3124",
+	"3141",
+	"3161",
+	"3181",
+	"3182",
+	"3183",
+	"3184",
+	"3191",
+	"3192",
+	"3193",
+	"3194",
+	"3195",
+	"3196",
+	"3197",
+	"3198",
+	"3199",
+	"3200",
+	"3201",
+	"3221",
+	"3230",
+	"3241",
+	"3242",
+	"3243",
+	"3244",
+	"3261",
+	"3262",
+	"3281",
+	"3283",
+	"3284",
+	"3285",
+	"3286",
+	"3287",
+	"3288",
+	"3289",
+	"3291",
+	"3292",
+	"3293",
+	"3297",
+	"3298",
+	"3299",
+	"3301",
+	"3303",
+	"3304",
+	"3305",
+	"3306",
+	"3307",
+	"3308",
+	"3309",
+	"3310",
+	"3311",
+	"3312",
+	"3313",
+	"3314",
+	"3315",
+	"3316",
+	"3317",
+	"3318",
+	"3319",
+	"3320",
+	"3321",
+	"3322",
+	"3323",
+	"3324",
+	"3325",
+	"3326",
+	"3327",
+	"3328",
+	"3329",
+	"3330",
+	"3331",
+	"3332",
+	"3333",
+	"3334",
+	"3335",
+	"3336",
+	"3337",
+	"3338",
+	"3339",
+	"3340",
+	"3341",
+	"3342",
+	"3343",
+	"3344",
+	"3345",
+	"3346",
+	"3347",
+	"3348",
+	"3349",
+	"3350",
+	"3351",
+	"3352",
+	"3353",
+	"3355",
+	"3356",
+	"3357",
+	"3358",
+	"3360",
+	"3400",
+	"3402",
+	"3403",
+	"3404",
+	"3405",
+	"3406",
+	"3407",
+	"3408",
+	"3409",
+	"3410",
+	"3411",
+	"3412",
+	"3413",
+	"3414",
+	"3415",
+	"3416",
+	"3417",
+	"3418",
+	"3419",
+	"3431",
+	"3432",
+	"3433",
+	"3434",
+	"3435",
+	"3436",
+	"3437",
+	"3438",
+	"3439",
+	"3450",
+	"3451",
+	"3452",
+	"3470",
+	"3471",
+	"3472",
+	"3480",
+	"3485",
+	"3490",
+	"3491",
+	"3609",
+	"3610",
+	"3611",
+	"3612",
+	"3613",
+	"9999",
+	"10000",
+	"10100",
+	"10101",
+	"10102",
+	"10103",
+	"10104",
+	"10105",
+	"10106",
+	"10107",
+	"10108",
+	"10109",
+	"10110",
+	"10111",
+	"10112",
+	"10113",
+	"10114",
+	"10201",
+	"10202",
+	"10203",
+	"10204",
+	"10205",
+	"10301",
+	"10401",
+	"10402",
+	"10403",
+	"10404",
+	"10405",
+	"10501",
+	"10502",
+	"10503",
+	"10504",
+	"10505",
+	"10601",
+	"10602",
+	"10603",
+	"10701",
+	"10702",
+	"10703",
+	"10704",
+	"10705",
+	"10706",
+	"10707",
+	"10708",
+	"10709",
+	"10722",
+	"10801",
+	"10805",
+	"10806",
+	"10807",
+	"10811",
+	"10812",
+	"19999",
+	"20000",
+	"20100",
+	"20101",
+	"20102",
+	"20103",
+	"20104",
+	"20105",
+	"20106",
+	"20107",
+	"20109",
+	"20201",
+	"20202",
+	"20203",
+	"20204",
+	"20205",
+	"20206",
+	"20301",
+	"20302",
+	"20303",
+	"20304",
+	"20401",
+	"20402",
+	"20501",
+	"20502",
+	"20503",
+	"20504",
+	"20505",
+	"20601",
+	"20602",
+	"20603",
+	"20604",
+	"20701",
+	"20702",
+	"20703",
+	"20705",
+	"20706",
+	"20801",
+	"20802",
+	"29999",
+	"30000",
+	"30100",
+	"30301",
+	"30302",
+	"30303",
+	"30401",
+	"101011",
+	"101012",
+	"101013",
+	"101014",
+	"101021",
+	"102051",
+	"105012",
+	"108010",
+	"201011",
+	"201012",
+	"201013",
+	"201014",
+}

api/gateway/mntx/internal/service/gateway/payout_failure_policy_test.go

@@ -2,6 +2,29 @@ package gateway
 
 import "testing"
 
+func retryBucketCodeSet() map[string]struct{} {
+	set := map[string]struct{}{}
+	for _, bucket := range providerRetryCodeBuckets {
+		if !bucket.retryable {
+			continue
+		}
+		for _, code := range bucket.codes {
+			set[normalizeProviderCode(code)] = struct{}{}
+		}
+	}
+	return set
+}
+
+func allBucketCodeSet() map[string]struct{} {
+	set := map[string]struct{}{}
+	for _, bucket := range providerRetryCodeBuckets {
+		for _, code := range bucket.codes {
+			set[normalizeProviderCode(code)] = struct{}{}
+		}
+	}
+	return set
+}
+
 func TestPayoutFailurePolicy_DecideProviderFailure(t *testing.T) {
 	policy := defaultPayoutFailurePolicy()
 
@@ -9,21 +32,43 @@ func TestPayoutFailurePolicy_DecideProviderFailure(t *testing.T) {
 		name     string
 		code     string
 		action   payoutFailureAction
+		strategy payoutRetryStrategy
 	}{
 		{
-			name:   "retryable provider limit code",
-			code:   providerCodeDeclineAmountOrFrequencyLimit,
+			name:     "immediate retry strategy code",
+			code:     "10000",
 			action:   payoutFailureActionRetry,
+			strategy: payoutRetryStrategyImmediate,
+		},
+		{
+			name:     "delayed retry strategy code",
+			code:     "10101",
+			action:   payoutFailureActionRetry,
+			strategy: payoutRetryStrategyDelayed,
+		},
+		{
+			name:     "status refresh retry strategy code",
+			code:     "3061",
+			action:   payoutFailureActionRetry,
+			strategy: payoutRetryStrategyStatusRefresh,
+		},
+		{
+			name:     "status refresh retry strategy payment details missing code",
+			code:     "3062",
+			action:   payoutFailureActionRetry,
+			strategy: payoutRetryStrategyStatusRefresh,
 		},
 		{
 			name:     "unknown provider code",
 			code:     "99999",
 			action:   payoutFailureActionFail,
+			strategy: payoutRetryStrategyImmediate,
 		},
 		{
 			name:     "empty provider code",
 			code:     "",
 			action:   payoutFailureActionFail,
+			strategy: payoutRetryStrategyImmediate,
 		},
 	}
 
@@ -35,6 +80,204 @@ func TestPayoutFailurePolicy_DecideProviderFailure(t *testing.T) {
 			if got.Action != tc.action {
 				t.Fatalf("action mismatch: got=%v want=%v", got.Action, tc.action)
 			}
+			if got.Strategy != tc.strategy {
+				t.Fatalf("strategy mismatch: got=%v want=%v", got.Strategy, tc.strategy)
+			}
+		})
+	}
+}
+
+func TestPayoutFailurePolicy_DocumentRetryCoverage(t *testing.T) {
+	policy := defaultPayoutFailurePolicy()
+
+	// Parsed from GTX response-code tables (General, RCS, external card PS, external alternate PS, merchant system):
+	// 32 immediate + 84 delayed + 6 status-refresh = 122 retryable codes.
+	if got, want := len(policy.providerCodeStrategies), 122; got != want {
+		t.Fatalf("retry catalog size mismatch: got=%d want=%d", got, want)
+	}
+	if got, want := len(policy.documentedProviderCodes), 395; got != want {
+		t.Fatalf("documented code catalog size mismatch: got=%d want=%d", got, want)
+	}
+
+	cases := []struct {
+		code     string
+		strategy payoutRetryStrategy
+	}{
+		// Immediate retry examples.
+		{code: "3025", strategy: payoutRetryStrategyImmediate},
+		{code: "3198", strategy: payoutRetryStrategyImmediate},
+		{code: "105012", strategy: payoutRetryStrategyImmediate},
+		{code: "20603", strategy: payoutRetryStrategyImmediate},
+		// Delayed retry examples, including previously missed high-range limits.
+		{code: "3106", strategy: payoutRetryStrategyDelayed},
+		{code: "3337", strategy: payoutRetryStrategyDelayed},
+		{code: "3407", strategy: payoutRetryStrategyDelayed},
+		{code: "3613", strategy: payoutRetryStrategyDelayed},
+		{code: "201014", strategy: payoutRetryStrategyDelayed},
+		// Status refresh examples.
+		{code: "3061", strategy: payoutRetryStrategyStatusRefresh},
+		{code: "3062", strategy: payoutRetryStrategyStatusRefresh},
+		{code: "20802", strategy: payoutRetryStrategyStatusRefresh},
+	}
+
+	for _, tc := range cases {
+		tc := tc
+		t.Run(tc.code, func(t *testing.T) {
+			t.Helper()
+			got := policy.decideProviderFailure(tc.code)
+			if got.Action != payoutFailureActionRetry {
+				t.Fatalf("action mismatch: got=%v want=%v", got.Action, payoutFailureActionRetry)
+			}
+			if got.Strategy != tc.strategy {
+				t.Fatalf("strategy mismatch: got=%v want=%v", got.Strategy, tc.strategy)
+			}
+		})
+	}
+}
+
+func TestPayoutFailurePolicy_DocumentedCodeCoverageByPolicy(t *testing.T) {
+	policy := defaultPayoutFailurePolicy()
+	retrySet := retryBucketCodeSet()
+
+	if got, want := len(retrySet), len(policy.providerCodeStrategies); got != want {
+		t.Fatalf("retry set size mismatch: got=%d want=%d", got, want)
+	}
+
+	documentedNonRetry := 0
+	for _, code := range providerDocumentedCodes {
+		code := normalizeProviderCode(code)
+		decision := policy.decideProviderFailure(code)
+
+		if _, isRetry := retrySet[code]; isRetry {
+			if decision.Action != payoutFailureActionRetry {
+				t.Fatalf("documented retry code %s unexpectedly classified as non-retry", code)
+			}
+			continue
+		}
+
+		documentedNonRetry++
+		if decision.Action != payoutFailureActionFail {
+			t.Fatalf("documented non-retry code %s unexpectedly classified as retry", code)
+		}
+		if decision.Reason != "provider_code_"+code+"_documented_non_retry" {
+			t.Fatalf("documented non-retry code %s has unexpected reason: %q", code, decision.Reason)
+		}
+	}
+
+	if got, want := len(retrySet)+documentedNonRetry, len(providerDocumentedCodes); got != want {
+		t.Fatalf("coverage mismatch: retry(%d)+non_retry(%d) != documented(%d)", len(retrySet), documentedNonRetry, len(providerDocumentedCodes))
+	}
+}
+
+func TestProviderRetryCodeBuckets_DoNotOverlapAndCoverDocumentedCodes(t *testing.T) {
+	seen := map[string]int{}
+	for bucketIdx, bucket := range providerRetryCodeBuckets {
+		for _, rawCode := range bucket.codes {
+			code := normalizeProviderCode(rawCode)
+			if code == "" {
+				t.Fatalf("empty code in bucket #%d", bucketIdx)
+			}
+			if prevIdx, ok := seen[code]; ok {
+				t.Fatalf("overlap detected for code %s between bucket #%d and bucket #%d", code, prevIdx, bucketIdx)
+			}
+			seen[code] = bucketIdx
+		}
+	}
+
+	allBucketCodes := allBucketCodeSet()
+	documented := newCodeSet(providerDocumentedCodes)
+	if got, want := len(allBucketCodes), len(documented); got != want {
+		t.Fatalf("union size mismatch: buckets=%d documented=%d", got, want)
+	}
+
+	for code := range documented {
+		if _, ok := allBucketCodes[code]; !ok {
+			t.Fatalf("documented code %s is missing from providerRetryCodeBuckets union", code)
+		}
+	}
+	for code := range allBucketCodes {
+		if _, ok := documented[code]; !ok {
+			t.Fatalf("bucket code %s is not present in documented code list", code)
+		}
+	}
+}
+
+func TestPayoutFailurePolicy_DecideProviderFailure_DocumentedNonRetryCode(t *testing.T) {
+	policy := defaultPayoutFailurePolicy()
+
+	got := policy.decideProviderFailure("3059")
+	if got.Action != payoutFailureActionFail {
+		t.Fatalf("action mismatch: got=%v want=%v", got.Action, payoutFailureActionFail)
+	}
+	if got.Strategy != payoutRetryStrategyImmediate {
+		t.Fatalf("strategy mismatch: got=%v want=%v", got.Strategy, payoutRetryStrategyImmediate)
+	}
+	if got.Reason != "provider_code_3059_documented_non_retry" {
+		t.Fatalf("reason mismatch: got=%q", got.Reason)
+	}
+}
+
+func TestPayoutFailurePolicy_DecideProviderFailure_UnknownCode(t *testing.T) {
+	policy := defaultPayoutFailurePolicy()
+
+	got := policy.decideProviderFailure("99999")
+	if got.Action != payoutFailureActionFail {
+		t.Fatalf("action mismatch: got=%v want=%v", got.Action, payoutFailureActionFail)
+	}
+	if got.Strategy != payoutRetryStrategyImmediate {
+		t.Fatalf("strategy mismatch: got=%v want=%v", got.Strategy, payoutRetryStrategyImmediate)
+	}
+	if got.Reason != "provider_code_99999_unknown" {
+		t.Fatalf("reason mismatch: got=%q", got.Reason)
+	}
+}
+
+func TestPayoutFailurePolicy_DecideTransportFailure(t *testing.T) {
+	policy := defaultPayoutFailurePolicy()
+
+	got := policy.decideTransportFailure()
+	if got.Action != payoutFailureActionRetry {
+		t.Fatalf("action mismatch: got=%v want=%v", got.Action, payoutFailureActionRetry)
+	}
+	if got.Strategy != payoutRetryStrategyImmediate {
+		t.Fatalf("strategy mismatch: got=%v want=%v", got.Strategy, payoutRetryStrategyImmediate)
+	}
+}
+
+func TestRetryDelayForAttempt_ByStrategy(t *testing.T) {
+	cases := []struct {
+		name      string
+		attempt   uint32
+		strategy  payoutRetryStrategy
+		wantDelay int
+	}{
+		{
+			name:      "immediate first attempt",
+			attempt:   1,
+			strategy:  payoutRetryStrategyImmediate,
+			wantDelay: 5,
+		},
+		{
+			name:      "delayed second attempt",
+			attempt:   2,
+			strategy:  payoutRetryStrategyDelayed,
+			wantDelay: 120,
+		},
+		{
+			name:      "status refresh third attempt",
+			attempt:   3,
+			strategy:  payoutRetryStrategyStatusRefresh,
+			wantDelay: 40,
+		},
+	}
+
+	for _, tc := range cases {
+		tc := tc
+		t.Run(tc.name, func(t *testing.T) {
+			t.Helper()
+			if got := retryDelayForAttempt(tc.attempt, tc.strategy); got != tc.wantDelay {
+				t.Fatalf("delay mismatch: got=%d want=%d", got, tc.wantDelay)
+			}
 		})
 	}
 }

api/gateway/mntx/internal/service/gateway/transfer_notifications.go

@@ -24,7 +24,7 @@ func isFinalStatus(t *model.CardPayout) bool {
 
 func isFinalPayoutStatus(status model.PayoutStatus) bool {
 	switch status {
-	case model.PayoutStatusFailed, model.PayoutStatusSuccess, model.PayoutStatusCancelled:
+	case model.PayoutStatusFailed, model.PayoutStatusNeedsAttention, model.PayoutStatusSuccess, model.PayoutStatusCancelled:
 		return true
 	default:
 		return false
@@ -35,6 +35,8 @@ func toOpStatus(t *model.CardPayout) (rail.OperationResult, error) {
 	switch t.Status {
 	case model.PayoutStatusFailed:
 		return rail.OperationResultFailed, nil
+	case model.PayoutStatusNeedsAttention:
+		return rail.OperationResultFailed, nil
 	case model.PayoutStatusSuccess:
 		return rail.OperationResultSuccess, nil
 	case model.PayoutStatusCancelled:

api/gateway/mntx/internal/service/gateway/transfer_notifications_test.go

@@ -0,0 +1,24 @@
+package gateway
+
+import (
+	"testing"
+
+	"github.com/tech/sendico/gateway/mntx/storage/model"
+	"github.com/tech/sendico/pkg/payments/rail"
+)
+
+func TestIsFinalPayoutStatus_NeedsAttentionIsFinal(t *testing.T) {
+	if !isFinalPayoutStatus(model.PayoutStatusNeedsAttention) {
+		t.Fatal("expected needs_attention to be final")
+	}
+}
+
+func TestToOpStatus_NeedsAttentionMapsToFailed(t *testing.T) {
+	status, err := toOpStatus(&model.CardPayout{Status: model.PayoutStatusNeedsAttention})
+	if err != nil {
+		t.Fatalf("toOpStatus returned error: %v", err)
+	}
+	if status != rail.OperationResultFailed {
+		t.Fatalf("unexpected operation result: got=%q want=%q", status, rail.OperationResultFailed)
+	}
+}

api/gateway/mntx/internal/service/monetix/sender.go

@@ -166,25 +166,16 @@ func (c *Client) sendTokenization(ctx context.Context, req CardTokenizeRequest)
 		}
 	}
 
-	if apiResp.Operation.RequestID != "" {
-		result.ProviderRequestID = apiResp.Operation.RequestID
-	} else if apiResp.RequestID != "" {
-		result.ProviderRequestID = apiResp.RequestID
-	}
-	result.ProviderStatus = strings.TrimSpace(apiResp.Status)
-	if result.ProviderStatus == "" {
-		result.ProviderStatus = strings.TrimSpace(apiResp.Operation.Status)
-	}
+	result.ProviderRequestID = providerRequestID(apiResp)
+	result.ProviderStatus = providerStatus(apiResp)
 
-	if !result.Accepted {
-		result.ErrorCode = apiResp.Code
-		if result.ErrorCode == "" {
+	errorCode, errorMessage := providerError(apiResp)
+	if !result.Accepted || isProviderStatusError(result.ProviderStatus) {
+		result.ErrorCode = errorCode
+		if !result.Accepted && result.ErrorCode == "" {
 			result.ErrorCode = http.StatusText(resp.StatusCode)
 		}
-		result.ErrorMessage = apiResp.Message
-		if result.ErrorMessage == "" {
-			result.ErrorMessage = apiResp.Operation.Message
-		}
+		result.ErrorMessage = errorMessage
 	}
 
 	c.logger.Info("Monetix tokenization response",
@@ -288,25 +279,16 @@ func (c *Client) send(ctx context.Context, req any, path string, dispatchLog fun
 		}
 	}
 
-	if apiResp.Operation.RequestID != "" {
-		result.ProviderRequestID = apiResp.Operation.RequestID
-	} else if apiResp.RequestID != "" {
-		result.ProviderRequestID = apiResp.RequestID
-	}
-	result.ProviderStatus = strings.TrimSpace(apiResp.Status)
-	if result.ProviderStatus == "" {
-		result.ProviderStatus = strings.TrimSpace(apiResp.Operation.Status)
-	}
+	result.ProviderRequestID = providerRequestID(apiResp)
+	result.ProviderStatus = providerStatus(apiResp)
 
-	if !result.Accepted {
-		result.ErrorCode = apiResp.Code
-		if result.ErrorCode == "" {
+	errorCode, errorMessage := providerError(apiResp)
+	if !result.Accepted || isProviderStatusError(result.ProviderStatus) {
+		result.ErrorCode = errorCode
+		if !result.Accepted && result.ErrorCode == "" {
 			result.ErrorCode = http.StatusText(resp.StatusCode)
 		}
-		result.ErrorMessage = apiResp.Message
-		if result.ErrorMessage == "" {
-			result.ErrorMessage = apiResp.Operation.Message
-		}
+		result.ErrorMessage = errorMessage
 	}
 
 	if responseLog != nil {
@@ -324,6 +306,32 @@ func normalizeExpiryYear(year int) int {
 	return year
 }
 
+func providerRequestID(resp APIResponse) string {
+	return firstNonEmpty(resp.Operation.RequestID, resp.RequestID)
+}
+
+func providerStatus(resp APIResponse) string {
+	return firstNonEmpty(resp.Status, resp.Operation.Status)
+}
+
+func providerError(resp APIResponse) (code, message string) {
+	return firstNonEmpty(resp.Code, resp.Operation.Code), firstNonEmpty(resp.Message, resp.Operation.Message)
+}
+
+func isProviderStatusError(status string) bool {
+	return strings.EqualFold(strings.TrimSpace(status), "error")
+}
+
+func firstNonEmpty(values ...string) string {
+	for _, value := range values {
+		trimmed := strings.TrimSpace(value)
+		if trimmed != "" {
+			return trimmed
+		}
+	}
+	return ""
+}
+
 func normalizeRequestExpiryYear(req any) {
 	switch r := req.(type) {
 	case *CardPayoutRequest:

api/gateway/mntx/internal/service/monetix/sender_test.go

@@ -175,6 +175,99 @@ func TestSendCardPayout_HTTPError(t *testing.T) {
 	}
 }
 
+func TestSendCardPayout_HTTPAcceptedBodyErrorStillAccepted(t *testing.T) {
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			body := `{"status":"error","code":"3062","message":"Payment details not received"}`
+			return &http.Response{
+				StatusCode: http.StatusOK,
+				Body:       io.NopCloser(strings.NewReader(body)),
+				Header:     http.Header{"Content-Type": []string{"application/json"}},
+			}, nil
+		}),
+	}
+
+	cfg := Config{
+		BaseURL:   "https://monetix.test",
+		SecretKey: "secret",
+	}
+	client := NewClient(cfg, httpClient, zap.NewNop())
+
+	req := CardPayoutRequest{
+		General: General{ProjectID: 1, PaymentID: "payout-1"},
+		Customer: Customer{
+			ID:        "cust-1",
+			FirstName: "Jane",
+			LastName:  "Doe",
+			IP:        "203.0.113.10",
+		},
+		Payment: Payment{Amount: 1000, Currency: "RUB"},
+		Card:    Card{PAN: "4111111111111111", Year: 2030, Month: 12, CardHolder: "JANE DOE"},
+	}
+
+	result, err := client.CreateCardPayout(context.Background(), req)
+	if err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+	if !result.Accepted {
+		t.Fatalf("expected accepted response")
+	}
+	if result.ProviderStatus != "error" {
+		t.Fatalf("expected provider status error, got %q", result.ProviderStatus)
+	}
+	if result.ErrorCode != "3062" {
+		t.Fatalf("expected error code %q, got %q", "3062", result.ErrorCode)
+	}
+	if result.ErrorMessage != "Payment details not received" {
+		t.Fatalf("expected error message, got %q", result.ErrorMessage)
+	}
+}
+
+func TestSendCardPayout_HTTPErrorFallsBackToOperationCode(t *testing.T) {
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			body := `{"operation":{"code":"3061","message":"Transaction not found"}}`
+			return &http.Response{
+				StatusCode: http.StatusBadRequest,
+				Body:       io.NopCloser(strings.NewReader(body)),
+				Header:     http.Header{"Content-Type": []string{"application/json"}},
+			}, nil
+		}),
+	}
+
+	cfg := Config{
+		BaseURL:   "https://monetix.test",
+		SecretKey: "secret",
+	}
+	client := NewClient(cfg, httpClient, zap.NewNop())
+
+	req := CardPayoutRequest{
+		General: General{ProjectID: 1, PaymentID: "payout-1"},
+		Customer: Customer{
+			ID:        "cust-1",
+			FirstName: "Jane",
+			LastName:  "Doe",
+			IP:        "203.0.113.10",
+		},
+		Payment: Payment{Amount: 1000, Currency: "RUB"},
+		Card:    Card{PAN: "4111111111111111", Year: 2030, Month: 12, CardHolder: "JANE DOE"},
+	}
+
+	result, err := client.CreateCardPayout(context.Background(), req)
+	if err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+	if result.Accepted {
+		t.Fatalf("expected rejected response")
+	}
+	if result.ErrorCode != "3061" {
+		t.Fatalf("expected error code %q, got %q", "3061", result.ErrorCode)
+	}
+	if result.ErrorMessage != "Transaction not found" {
+		t.Fatalf("expected error message, got %q", result.ErrorMessage)
+	}
+}
+
 type errorReadCloser struct {
 	err error
 }

api/gateway/mntx/storage/model/status.go

@@ -10,4 +10,5 @@ const (
 	PayoutStatusSuccess        PayoutStatus = "success"         // final success
 	PayoutStatusFailed         PayoutStatus = "failed"          // final failure
 	PayoutStatusCancelled      PayoutStatus = "cancelled"       // final cancelled
+	PayoutStatusNeedsAttention PayoutStatus = "needs_attention" // final, manual review required
 )

api/gateway/tgsettle/go.mod

@@ -11,7 +11,7 @@ require (
 	github.com/tech/sendico/pkg v0.1.0
 	go.mongodb.org/mongo-driver/v2 v2.5.0
 	go.uber.org/zap v1.27.1
-	google.golang.org/grpc v1.79.1
+	google.golang.org/grpc v1.79.2
 	google.golang.org/protobuf v1.36.11
 	gopkg.in/yaml.v3 v3.0.1
 )

api/gateway/tgsettle/go.sum

@@ -210,8 +210,8 @@ 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 v0.0.0-20260226221140-a57be14db171 h1:ggcbiqK8WWh6l1dnltU4BgWGIGo+EVYxCaAPih/zQXQ=
 google.golang.org/genproto/googleapis/rpc v0.0.0-20260226221140-a57be14db171/go.mod h1:4Hqkh8ycfw05ld/3BWL7rJOSfebL2Q+DVDeRgYgxUU8=
-google.golang.org/grpc v1.79.1 h1:zGhSi45ODB9/p3VAawt9a+O/MULLl9dpizzNNpq7flY=
-google.golang.org/grpc v1.79.1/go.mod h1:KmT0Kjez+0dde/v2j9vzwoAScgEPx/Bw1CYChhHLrHQ=
+google.golang.org/grpc v1.79.2 h1:fRMD94s2tITpyJGtBBn7MkMseNpOZU8ZxgC3MMBaXRU=
+google.golang.org/grpc v1.79.2/go.mod h1:KmT0Kjez+0dde/v2j9vzwoAScgEPx/Bw1CYChhHLrHQ=
 google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
 google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=

api/gateway/tgsettle/storage/mongo/store/payments.go

@@ -119,25 +119,30 @@ func (p *Payments) Upsert(ctx context.Context, record *model.PaymentRecord) erro
 		return merrors.InvalidArgument("intention reference key is required", "intent_ref")
 	}
 
-	filter := repository.Filter(fieldIdempotencyKey, record.IdempotencyKey)
-	err := p.repo.Insert(ctx, record, filter)
-	if errors.Is(err, merrors.ErrDataConflict) {
-		patch := repository.Patch().
-			Set(repository.Field(fieldOperationRef), record.OperationRef).
-			Set(repository.Field("paymentIntentId"), record.PaymentIntentID).
-			Set(repository.Field("quoteRef"), record.QuoteRef).
-			Set(repository.Field("intentRef"), record.IntentRef).
-			Set(repository.Field("paymentRef"), record.PaymentRef).
-			Set(repository.Field("outgoingLeg"), record.OutgoingLeg).
-			Set(repository.Field("targetChatId"), record.TargetChatID).
-			Set(repository.Field("requestedMoney"), record.RequestedMoney).
-			Set(repository.Field("executedMoney"), record.ExecutedMoney).
-			Set(repository.Field("status"), record.Status).
-			Set(repository.Field("failureReason"), record.FailureReason).
-			Set(repository.Field("executedAt"), record.ExecutedAt).
-			Set(repository.Field("expiresAt"), record.ExpiresAt).
-			Set(repository.Field("expiredAt"), record.ExpiredAt)
-		_, err = p.repo.PatchMany(ctx, filter, patch)
+	existing, err := p.FindByIdempotencyKey(ctx, record.IdempotencyKey)
+	if err != nil {
+		return err
+	}
+	if existing != nil {
+		record.ID = existing.ID
+		if record.CreatedAt.IsZero() {
+			record.CreatedAt = existing.CreatedAt
+		}
+	}
+
+	err = p.repo.Upsert(ctx, record)
+	if mongo.IsDuplicateKeyError(err) {
+		// Concurrent insert by idempotency key: resolve existing ID and retry replace-by-ID.
+		existing, lookupErr := p.FindByIdempotencyKey(ctx, record.IdempotencyKey)
+		if lookupErr != nil {
+			err = lookupErr
+		} else if existing != nil {
+			record.ID = existing.ID
+			if record.CreatedAt.IsZero() {
+				record.CreatedAt = existing.CreatedAt
+			}
+			err = p.repo.Upsert(ctx, record)
+		}
 	}
 	if err != nil {
 		if !errors.Is(err, context.Canceled) && !errors.Is(err, context.DeadlineExceeded) {

api/gateway/tgsettle/storage/mongo/store/payments_test.go

@@ -0,0 +1,251 @@
+package store
+
+import (
+	"context"
+	"strings"
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/gateway/tgsettle/storage/model"
+	"github.com/tech/sendico/pkg/db/repository"
+	"github.com/tech/sendico/pkg/db/storable"
+	"github.com/tech/sendico/pkg/merrors"
+	"go.mongodb.org/mongo-driver/v2/bson"
+	"go.mongodb.org/mongo-driver/v2/mongo"
+	"go.uber.org/zap"
+)
+
+type fakePaymentsRepo struct {
+	repository.Repository
+
+	records              map[string]*model.PaymentRecord
+	findErrByCall        map[int]error
+	duplicateWhenZeroID  bool
+	findCalls            int
+	upsertCalls          int
+	upsertIDs            []bson.ObjectID
+	upsertIdempotencyKey []string
+}
+
+func (f *fakePaymentsRepo) FindOneByFilter(_ context.Context, query repository.FilterQuery, result storable.Storable) error {
+	f.findCalls++
+	if err, ok := f.findErrByCall[f.findCalls]; ok {
+		return err
+	}
+
+	rec, ok := result.(*model.PaymentRecord)
+	if !ok {
+		return merrors.InvalidDataType("expected *model.PaymentRecord")
+	}
+
+	doc := query.BuildQuery()
+	if key := stringField(doc, fieldIdempotencyKey); key != "" {
+		stored, ok := f.records[key]
+		if !ok {
+			return merrors.NoData("payment not found by filter")
+		}
+		*rec = *stored
+		return nil
+	}
+	if operationRef := stringField(doc, fieldOperationRef); operationRef != "" {
+		for _, stored := range f.records {
+			if strings.TrimSpace(stored.OperationRef) == operationRef {
+				*rec = *stored
+				return nil
+			}
+		}
+		return merrors.NoData("payment not found by operation ref")
+	}
+
+	return merrors.NoData("payment not found")
+}
+
+func (f *fakePaymentsRepo) Upsert(_ context.Context, obj storable.Storable) error {
+	f.upsertCalls++
+
+	rec, ok := obj.(*model.PaymentRecord)
+	if !ok {
+		return merrors.InvalidDataType("expected *model.PaymentRecord")
+	}
+	f.upsertIDs = append(f.upsertIDs, rec.ID)
+	f.upsertIdempotencyKey = append(f.upsertIdempotencyKey, rec.IdempotencyKey)
+
+	if f.duplicateWhenZeroID && rec.ID.IsZero() {
+		if _, exists := f.records[rec.IdempotencyKey]; exists {
+			return mongo.WriteException{
+				WriteErrors: mongo.WriteErrors{
+					{
+						Code:    11000,
+						Message: "E11000 duplicate key error collection: tgsettle_gateway.payments",
+					},
+				},
+			}
+		}
+	}
+
+	copyRec := *rec
+	if copyRec.ID.IsZero() {
+		copyRec.ID = bson.NewObjectID()
+	}
+	if copyRec.CreatedAt.IsZero() {
+		copyRec.CreatedAt = time.Now().UTC()
+	}
+	copyRec.UpdatedAt = time.Now().UTC()
+	if f.records == nil {
+		f.records = map[string]*model.PaymentRecord{}
+	}
+	f.records[copyRec.IdempotencyKey] = &copyRec
+	*rec = copyRec
+	return nil
+}
+
+func TestPaymentsUpsert_ReusesExistingIDFromIdempotencyLookup(t *testing.T) {
+	key := "idem-existing"
+	existingID := bson.NewObjectID()
+	existingCreatedAt := time.Date(2026, 3, 6, 10, 0, 0, 0, time.UTC)
+
+	repo := &fakePaymentsRepo{
+		records: map[string]*model.PaymentRecord{
+			key: {
+				Base: storable.Base{
+					ID:        existingID,
+					CreatedAt: existingCreatedAt,
+					UpdatedAt: existingCreatedAt,
+				},
+				IdempotencyKey:  key,
+				PaymentIntentID: "pi-old",
+				IntentRef:       "intent-old",
+			},
+		},
+		duplicateWhenZeroID: true,
+	}
+	store := &Payments{logger: zap.NewNop(), repo: repo}
+
+	record := &model.PaymentRecord{
+		IdempotencyKey:  key,
+		PaymentIntentID: "pi-new",
+		QuoteRef:        "quote-new",
+		IntentRef:       "intent-new",
+	}
+
+	if err := store.Upsert(context.Background(), record); err != nil {
+		t.Fatalf("upsert failed: %v", err)
+	}
+
+	if repo.upsertCalls != 1 {
+		t.Fatalf("expected one upsert call, got %d", repo.upsertCalls)
+	}
+	if len(repo.upsertIDs) != 1 || repo.upsertIDs[0] != existingID {
+		t.Fatalf("expected upsert to reuse existing id %s, got %+v", existingID.Hex(), repo.upsertIDs)
+	}
+	if record.ID != existingID {
+		t.Fatalf("record ID mismatch: got %s want %s", record.ID.Hex(), existingID.Hex())
+	}
+}
+
+func TestPaymentsUpsert_RetriesAfterDuplicateKeyRace(t *testing.T) {
+	key := "idem-race"
+	existingID := bson.NewObjectID()
+
+	repo := &fakePaymentsRepo{
+		records: map[string]*model.PaymentRecord{
+			key: {
+				Base: storable.Base{
+					ID:        existingID,
+					CreatedAt: time.Date(2026, 3, 6, 10, 1, 0, 0, time.UTC),
+					UpdatedAt: time.Date(2026, 3, 6, 10, 1, 0, 0, time.UTC),
+				},
+				IdempotencyKey:  key,
+				PaymentIntentID: "pi-existing",
+				IntentRef:       "intent-existing",
+			},
+		},
+		findErrByCall: map[int]error{
+			1: merrors.NoData("payment not found by filter"),
+		},
+		duplicateWhenZeroID: true,
+	}
+	store := &Payments{logger: zap.NewNop(), repo: repo}
+
+	record := &model.PaymentRecord{
+		IdempotencyKey:  key,
+		PaymentIntentID: "pi-new",
+		QuoteRef:        "quote-new",
+		IntentRef:       "intent-new",
+	}
+
+	if err := store.Upsert(context.Background(), record); err != nil {
+		t.Fatalf("upsert failed: %v", err)
+	}
+
+	if repo.upsertCalls != 2 {
+		t.Fatalf("expected two upsert calls, got %d", repo.upsertCalls)
+	}
+	if len(repo.upsertIDs) != 2 {
+		t.Fatalf("expected two upsert IDs, got %d", len(repo.upsertIDs))
+	}
+	if !repo.upsertIDs[0].IsZero() {
+		t.Fatalf("expected first upsert to use zero id due stale read, got %s", repo.upsertIDs[0].Hex())
+	}
+	if repo.upsertIDs[1] != existingID {
+		t.Fatalf("expected retry to use existing id %s, got %s", existingID.Hex(), repo.upsertIDs[1].Hex())
+	}
+}
+
+func TestPaymentsUpsert_PropagatesNoSuchTransactionAfterDuplicate(t *testing.T) {
+	key := "idem-nosuchtx"
+
+	repo := &fakePaymentsRepo{
+		records: map[string]*model.PaymentRecord{
+			key: {
+				Base: storable.Base{
+					ID:        bson.NewObjectID(),
+					CreatedAt: time.Date(2026, 3, 6, 10, 2, 0, 0, time.UTC),
+					UpdatedAt: time.Date(2026, 3, 6, 10, 2, 0, 0, time.UTC),
+				},
+				IdempotencyKey:  key,
+				PaymentIntentID: "pi-existing",
+				IntentRef:       "intent-existing",
+			},
+		},
+		findErrByCall: map[int]error{
+			1: merrors.NoData("payment not found by filter"),
+			2: mongo.CommandError{
+				Code:    251,
+				Name:    "NoSuchTransaction",
+				Message: "Transaction with { txnNumber: 2 } has been aborted.",
+			},
+		},
+		duplicateWhenZeroID: true,
+	}
+	store := &Payments{logger: zap.NewNop(), repo: repo}
+
+	record := &model.PaymentRecord{
+		IdempotencyKey:  key,
+		PaymentIntentID: "pi-new",
+		QuoteRef:        "quote-new",
+		IntentRef:       "intent-new",
+	}
+
+	err := store.Upsert(context.Background(), record)
+	if err == nil {
+		t.Fatal("expected error, got nil")
+	}
+	if !strings.Contains(err.Error(), "NoSuchTransaction") {
+		t.Fatalf("expected NoSuchTransaction error, got %v", err)
+	}
+	if repo.upsertCalls != 1 {
+		t.Fatalf("expected one upsert attempt before lookup failure, got %d", repo.upsertCalls)
+	}
+}
+
+func stringField(doc bson.D, key string) string {
+	for _, entry := range doc {
+		if entry.Key != key {
+			continue
+		}
+		res, _ := entry.Value.(string)
+		return strings.TrimSpace(res)
+	}
+	return ""
+}