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

@@ -7,6 +7,8 @@ import (
 	"fmt"
 	"net/http"
 	"strings"
+	"sync"
+	"time"
 
 	"github.com/shopspring/decimal"
 	gatewayoutbox "github.com/tech/sendico/gateway/common/outbox"
@@ -23,6 +25,12 @@ import (
 	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
 	"go.mongodb.org/mongo-driver/v2/bson"
 	"go.uber.org/zap"
+	"google.golang.org/protobuf/proto"
+)
+
+const (
+	defaultDispatchThrottleInterval = 150 * time.Millisecond
+	defaultMaxDispatchAttempts      = uint32(5)
 )
 
 type cardPayoutProcessor struct {
@@ -37,6 +45,18 @@ type cardPayoutProcessor struct {
 
 	perTxMinAmountMinor           int64
 	perTxMinAmountMinorByCurrency map[string]int64
+	dispatchThrottleInterval      time.Duration
+
+	dispatchMu          sync.Mutex
+	nextDispatchAllowed time.Time
+
+	retryPolicy payoutFailurePolicy
+	retryDelayFn func(attempt uint32) time.Duration
+
+	retryMu     sync.Mutex
+	retryTimers map[string]*time.Timer
+	retryCtx    context.Context
+	retryStop   context.CancelFunc
 }
 
 func mergePayoutStateWithExisting(state, existing *model.CardPayout) {
@@ -121,6 +141,8 @@ func applyCardPayoutSendResult(state *model.CardPayout, result *monetix.CardPayo
 	state.ProviderPaymentID = strings.TrimSpace(result.ProviderRequestID)
 	if result.Accepted {
 		state.Status = model.PayoutStatusWaiting
+		state.ProviderCode = ""
+		state.ProviderMessage = ""
 		return
 	}
 	state.Status = model.PayoutStatusFailed
@@ -149,6 +171,7 @@ func newCardPayoutProcessor(
 	client *http.Client,
 	producer msg.Producer,
 ) *cardPayoutProcessor {
+	retryCtx, retryStop := context.WithCancel(context.Background())
 	return &cardPayoutProcessor{
 		logger:                   logger.Named("card_payout_processor"),
 		config:                   cfg,
@@ -156,6 +179,12 @@ func newCardPayoutProcessor(
 		store:                    store,
 		httpClient:               client,
 		producer:                 producer,
+		dispatchThrottleInterval: defaultDispatchThrottleInterval,
+		retryPolicy:              defaultPayoutFailurePolicy(),
+		retryDelayFn:             retryDelayDuration,
+		retryTimers:              map[string]*time.Timer{},
+		retryCtx:                 retryCtx,
+		retryStop:                retryStop,
 	}
 }
 
@@ -166,6 +195,10 @@ func (p *cardPayoutProcessor) applyGatewayDescriptor(descriptor *gatewayv1.Gatew
 	minAmountMinor, perCurrency := perTxMinAmountPolicy(descriptor)
 	p.perTxMinAmountMinor = minAmountMinor
 	p.perTxMinAmountMinorByCurrency = perCurrency
+	p.dispatchThrottleInterval = dispatchThrottleIntervalFromDescriptor(descriptor, defaultDispatchThrottleInterval)
+	p.logger.Info("Configured payout dispatch throttle",
+		zap.Duration("dispatch_interval", p.dispatchThrottleInterval),
+	)
 }
 
 func perTxMinAmountPolicy(descriptor *gatewayv1.GatewayInstanceDescriptor) (int64, map[string]int64) {
@@ -243,6 +276,457 @@ func (p *cardPayoutProcessor) perTxMinimum(currency string) int64 {
 	return minAmountMinor
 }
 
+func dispatchThrottleIntervalFromDescriptor(
+	descriptor *gatewayv1.GatewayInstanceDescriptor,
+	fallback time.Duration,
+) time.Duration {
+	if fallback < 0 {
+		fallback = 0
+	}
+	if descriptor == nil || descriptor.GetLimits() == nil {
+		return fallback
+	}
+	velocity := descriptor.GetLimits().GetVelocityLimit()
+	if len(velocity) == 0 {
+		return fallback
+	}
+
+	interval := time.Duration(0)
+	for bucket, maxOps := range velocity {
+		cleanBucket := strings.TrimSpace(bucket)
+		if cleanBucket == "" || maxOps <= 0 {
+			continue
+		}
+		window, err := time.ParseDuration(cleanBucket)
+		if err != nil || window <= 0 {
+			continue
+		}
+		candidate := window / time.Duration(maxOps)
+		if candidate <= 0 {
+			continue
+		}
+		if candidate > interval {
+			interval = candidate
+		}
+	}
+	if interval <= 0 {
+		return fallback
+	}
+	return interval
+}
+
+func (p *cardPayoutProcessor) waitDispatchSlot(ctx context.Context) error {
+	if p == nil {
+		return merrors.Internal("card payout processor not initialised")
+	}
+	if ctx == nil {
+		ctx = context.Background()
+	}
+	if p.dispatchThrottleInterval <= 0 {
+		return nil
+	}
+
+	for {
+		p.dispatchMu.Lock()
+		now := time.Now().UTC()
+		if p.nextDispatchAllowed.IsZero() || !p.nextDispatchAllowed.After(now) {
+			p.nextDispatchAllowed = now.Add(p.dispatchThrottleInterval)
+			p.dispatchMu.Unlock()
+			return nil
+		}
+		wait := p.nextDispatchAllowed.Sub(now)
+		p.dispatchMu.Unlock()
+
+		timer := time.NewTimer(wait)
+		select {
+		case <-ctx.Done():
+			timer.Stop()
+			return ctx.Err()
+		case <-timer.C:
+		}
+	}
+}
+
+func (p *cardPayoutProcessor) stopRetries() {
+	if p == nil {
+		return
+	}
+	if p.retryStop != nil {
+		p.retryStop()
+	}
+	p.retryMu.Lock()
+	defer p.retryMu.Unlock()
+	for key, timer := range p.retryTimers {
+		if timer != nil {
+			timer.Stop()
+		}
+		delete(p.retryTimers, key)
+	}
+}
+
+func (p *cardPayoutProcessor) clearRetryTimer(operationRef string) {
+	if p == nil {
+		return
+	}
+	key := strings.TrimSpace(operationRef)
+	if key == "" {
+		return
+	}
+	p.retryMu.Lock()
+	defer p.retryMu.Unlock()
+	timer := p.retryTimers[key]
+	if timer != nil {
+		timer.Stop()
+	}
+	delete(p.retryTimers, key)
+}
+
+func payoutAcceptedForState(state *model.CardPayout) bool {
+	if state == nil {
+		return false
+	}
+	switch state.Status {
+	case model.PayoutStatusFailed, model.PayoutStatusCancelled:
+		return false
+	default:
+		return true
+	}
+}
+
+func cardPayoutResponseFromState(
+	state *model.CardPayout,
+	accepted bool,
+	errorCode string,
+	errorMessage string,
+) *mntxv1.CardPayoutResponse {
+	return &mntxv1.CardPayoutResponse{
+		Payout:            StateToProto(state),
+		Accepted:          accepted,
+		ProviderRequestId: strings.TrimSpace(firstNonEmpty(state.ProviderPaymentID)),
+		ErrorCode:         strings.TrimSpace(errorCode),
+		ErrorMessage:      strings.TrimSpace(errorMessage),
+	}
+}
+
+func cardTokenPayoutResponseFromState(
+	state *model.CardPayout,
+	accepted bool,
+	errorCode string,
+	errorMessage string,
+) *mntxv1.CardTokenPayoutResponse {
+	return &mntxv1.CardTokenPayoutResponse{
+		Payout:            StateToProto(state),
+		Accepted:          accepted,
+		ProviderRequestId: strings.TrimSpace(firstNonEmpty(state.ProviderPaymentID)),
+		ErrorCode:         strings.TrimSpace(errorCode),
+		ErrorMessage:      strings.TrimSpace(errorMessage),
+	}
+}
+
+func (p *cardPayoutProcessor) dispatchCardPayout(ctx context.Context, req *mntxv1.CardPayoutRequest) (*monetix.CardPayoutSendResult, error) {
+	if p == nil {
+		return nil, merrors.Internal("card payout processor not initialised")
+	}
+	if req == nil {
+		return nil, merrors.InvalidArgument("card payout request is required")
+	}
+	if err := p.waitDispatchSlot(ctx); err != nil {
+		return nil, err
+	}
+	client := monetix.NewClient(p.config, p.httpClient, p.logger)
+	apiReq := buildCardPayoutRequest(req.GetProjectId(), req)
+	return client.CreateCardPayout(ctx, apiReq)
+}
+
+func (p *cardPayoutProcessor) dispatchCardTokenPayout(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) (*monetix.CardPayoutSendResult, error) {
+	if p == nil {
+		return nil, merrors.Internal("card payout processor not initialised")
+	}
+	if req == nil {
+		return nil, merrors.InvalidArgument("card token payout request is required")
+	}
+	if err := p.waitDispatchSlot(ctx); err != nil {
+		return nil, err
+	}
+	client := monetix.NewClient(p.config, p.httpClient, p.logger)
+	apiReq := buildCardTokenPayoutRequest(req.GetProjectId(), req)
+	return client.CreateCardTokenPayout(ctx, apiReq)
+}
+
+func maxDispatchAttempts(v uint32) uint32 {
+	if v == 0 {
+		return defaultMaxDispatchAttempts
+	}
+	return v
+}
+
+func (p *cardPayoutProcessor) scheduleRetryTimer(operationRef string, delay time.Duration, run func()) {
+	if p == nil || run == nil {
+		return
+	}
+	key := strings.TrimSpace(operationRef)
+	if key == "" {
+		return
+	}
+	if delay < 0 {
+		delay = 0
+	}
+	p.retryMu.Lock()
+	defer p.retryMu.Unlock()
+	if old := p.retryTimers[key]; old != nil {
+		old.Stop()
+	}
+
+	var timer *time.Timer
+	timer = time.AfterFunc(delay, func() {
+		select {
+		case <-p.retryCtx.Done():
+			return
+		default:
+		}
+		p.retryMu.Lock()
+		if p.retryTimers[key] == timer {
+			delete(p.retryTimers, key)
+		}
+		p.retryMu.Unlock()
+		run()
+	})
+	p.retryTimers[key] = timer
+}
+
+func retryDelayDuration(attempt uint32) time.Duration {
+	return time.Duration(retryDelayForAttempt(attempt)) * time.Second
+}
+
+func (p *cardPayoutProcessor) scheduleCardPayoutRetry(req *mntxv1.CardPayoutRequest, failedAttempt uint32, maxAttempts uint32) {
+	if p == nil || req == nil {
+		return
+	}
+	maxAttempts = maxDispatchAttempts(maxAttempts)
+	nextAttempt := failedAttempt + 1
+	if nextAttempt > maxAttempts {
+		return
+	}
+	cloned, ok := proto.Clone(req).(*mntxv1.CardPayoutRequest)
+	if !ok {
+		return
+	}
+	operationRef := findOperationRef(cloned.GetOperationRef(), cloned.GetPayoutId())
+	delay := retryDelayDuration(failedAttempt)
+	if p.retryDelayFn != nil {
+		delay = p.retryDelayFn(failedAttempt)
+	}
+	p.scheduleRetryTimer(operationRef, delay, func() {
+		p.runCardPayoutRetry(cloned, nextAttempt, maxAttempts)
+	})
+}
+
+func (p *cardPayoutProcessor) scheduleCardTokenPayoutRetry(req *mntxv1.CardTokenPayoutRequest, failedAttempt uint32, maxAttempts uint32) {
+	if p == nil || req == nil {
+		return
+	}
+	maxAttempts = maxDispatchAttempts(maxAttempts)
+	nextAttempt := failedAttempt + 1
+	if nextAttempt > maxAttempts {
+		return
+	}
+	cloned, ok := proto.Clone(req).(*mntxv1.CardTokenPayoutRequest)
+	if !ok {
+		return
+	}
+	operationRef := findOperationRef(cloned.GetOperationRef(), cloned.GetPayoutId())
+	delay := retryDelayDuration(failedAttempt)
+	if p.retryDelayFn != nil {
+		delay = p.retryDelayFn(failedAttempt)
+	}
+	p.scheduleRetryTimer(operationRef, delay, func() {
+		p.runCardTokenPayoutRetry(cloned, nextAttempt, maxAttempts)
+	})
+}
+
+func (p *cardPayoutProcessor) retryContext() (context.Context, context.CancelFunc) {
+	if p == nil {
+		return context.Background(), func() {}
+	}
+	ctx := p.retryCtx
+	if ctx == nil {
+		ctx = context.Background()
+	}
+	timeout := p.config.Timeout()
+	if timeout <= 0 {
+		return ctx, func() {}
+	}
+	return context.WithTimeout(ctx, timeout)
+}
+
+func (p *cardPayoutProcessor) runCardPayoutRetry(req *mntxv1.CardPayoutRequest, attempt uint32, maxAttempts uint32) {
+	if p == nil || req == nil {
+		return
+	}
+	operationRef := findOperationRef(req.GetOperationRef(), req.GetPayoutId())
+	if operationRef == "" {
+		return
+	}
+	ctx, cancel := p.retryContext()
+	defer cancel()
+
+	state, err := p.store.Payouts().FindByOperationRef(ctx, operationRef)
+	if err != nil || state == nil {
+		p.logger.Warn("Retry payout state lookup failed",
+			zap.String("operation_ref", operationRef),
+			zap.Uint32("attempt", attempt),
+			zap.Error(err),
+		)
+		return
+	}
+	if isFinalStatus(state) {
+		p.clearRetryTimer(operationRef)
+		return
+	}
+
+	result, err := p.dispatchCardPayout(ctx, req)
+	now := p.clock.Now()
+	maxAttempts = maxDispatchAttempts(maxAttempts)
+	if err != nil {
+		decision := p.retryPolicy.decideTransportFailure()
+		state.ProviderCode = ""
+		state.ProviderMessage = err.Error()
+		state.UpdatedAt = now
+		if decision.Action == payoutFailureActionRetry && attempt < maxAttempts {
+			state.Status = model.PayoutStatusProcessing
+			state.FailureReason = ""
+			if upErr := p.updatePayoutStatus(ctx, state); upErr != nil {
+				p.logger.Warn("Failed to persist retryable payout transport failure", zap.Error(upErr))
+				return
+			}
+			p.scheduleCardPayoutRetry(req, attempt, maxAttempts)
+			return
+		}
+
+		state.Status = model.PayoutStatusFailed
+		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))
+		}
+		p.clearRetryTimer(operationRef)
+		return
+	}
+
+	applyCardPayoutSendResult(state, result)
+	state.UpdatedAt = now
+	if result.Accepted {
+		state.FailureReason = ""
+		if upErr := p.updatePayoutStatus(ctx, state); upErr != nil {
+			p.logger.Warn("Failed to persist accepted payout retry result", zap.Error(upErr))
+		}
+		p.clearRetryTimer(operationRef)
+		return
+	}
+
+	decision := p.retryPolicy.decideProviderFailure(result.ErrorCode)
+	if decision.Action == payoutFailureActionRetry && attempt < maxAttempts {
+		state.Status = model.PayoutStatusProcessing
+		state.FailureReason = ""
+		if upErr := p.updatePayoutStatus(ctx, state); upErr != nil {
+			p.logger.Warn("Failed to persist retryable payout provider failure", zap.Error(upErr))
+			return
+		}
+		p.scheduleCardPayoutRetry(req, attempt, maxAttempts)
+		return
+	}
+
+	state.Status = model.PayoutStatusFailed
+	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))
+	}
+	p.clearRetryTimer(operationRef)
+}
+
+func (p *cardPayoutProcessor) runCardTokenPayoutRetry(req *mntxv1.CardTokenPayoutRequest, attempt uint32, maxAttempts uint32) {
+	if p == nil || req == nil {
+		return
+	}
+	operationRef := findOperationRef(req.GetOperationRef(), req.GetPayoutId())
+	if operationRef == "" {
+		return
+	}
+	ctx, cancel := p.retryContext()
+	defer cancel()
+
+	state, err := p.store.Payouts().FindByOperationRef(ctx, operationRef)
+	if err != nil || state == nil {
+		p.logger.Warn("Retry token payout state lookup failed",
+			zap.String("operation_ref", operationRef),
+			zap.Uint32("attempt", attempt),
+			zap.Error(err),
+		)
+		return
+	}
+	if isFinalStatus(state) {
+		p.clearRetryTimer(operationRef)
+		return
+	}
+
+	result, err := p.dispatchCardTokenPayout(ctx, req)
+	now := p.clock.Now()
+	maxAttempts = maxDispatchAttempts(maxAttempts)
+	if err != nil {
+		decision := p.retryPolicy.decideTransportFailure()
+		state.ProviderCode = ""
+		state.ProviderMessage = err.Error()
+		state.UpdatedAt = now
+		if decision.Action == payoutFailureActionRetry && attempt < maxAttempts {
+			state.Status = model.PayoutStatusProcessing
+			state.FailureReason = ""
+			if upErr := p.updatePayoutStatus(ctx, state); upErr != nil {
+				p.logger.Warn("Failed to persist retryable token payout transport failure", zap.Error(upErr))
+				return
+			}
+			p.scheduleCardTokenPayoutRetry(req, attempt, maxAttempts)
+			return
+		}
+
+		state.Status = model.PayoutStatusFailed
+		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))
+		}
+		p.clearRetryTimer(operationRef)
+		return
+	}
+
+	applyCardPayoutSendResult(state, result)
+	state.UpdatedAt = now
+	if result.Accepted {
+		state.FailureReason = ""
+		if upErr := p.updatePayoutStatus(ctx, state); upErr != nil {
+			p.logger.Warn("Failed to persist accepted token payout retry result", zap.Error(upErr))
+		}
+		p.clearRetryTimer(operationRef)
+		return
+	}
+
+	decision := p.retryPolicy.decideProviderFailure(result.ErrorCode)
+	if decision.Action == payoutFailureActionRetry && attempt < maxAttempts {
+		state.Status = model.PayoutStatusProcessing
+		state.FailureReason = ""
+		if upErr := p.updatePayoutStatus(ctx, state); upErr != nil {
+			p.logger.Warn("Failed to persist retryable token payout provider failure", zap.Error(upErr))
+			return
+		}
+		p.scheduleCardTokenPayoutRetry(req, attempt, maxAttempts)
+		return
+	}
+
+	state.Status = model.PayoutStatusFailed
+	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))
+	}
+	p.clearRetryTimer(operationRef)
+}
+
 func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
 	if p == nil {
 		return nil, merrors.Internal("card payout processor not initialised")
@@ -292,6 +776,7 @@ func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayout
 	if err != nil {
 		return nil, err
 	}
+	req.ProjectId = projectID
 
 	now := p.clock.Now()
 
@@ -307,38 +792,76 @@ func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayout
 		CustomerID:     strings.TrimSpace(req.GetCustomerId()),
 		AmountMinor:    req.GetAmountMinor(),
 		Currency:       strings.ToUpper(strings.TrimSpace(req.GetCurrency())),
-		Status:         model.PayoutStatusWaiting,
+		Status:         model.PayoutStatusProcessing,
 		CreatedAt:      now,
 		UpdatedAt:      now,
 	}
 
 	// Keep CreatedAt/refs if record already exists.
-	_, _ = p.findAndMergePayoutState(ctx, state)
+	existing, _ := p.findAndMergePayoutState(ctx, state)
+	if existing != nil {
+		switch existing.Status {
+		case model.PayoutStatusProcessing, model.PayoutStatusWaiting, model.PayoutStatusSuccess, model.PayoutStatusFailed, model.PayoutStatusCancelled:
+			return cardPayoutResponseFromState(existing, payoutAcceptedForState(existing), "", ""), nil
+		}
+	}
 
-	client := monetix.NewClient(p.config, p.httpClient, p.logger)
-	apiReq := buildCardPayoutRequest(projectID, req)
-
-	result, err := client.CreateCardPayout(ctx, apiReq)
+	result, err := p.dispatchCardPayout(ctx, req)
 	if err != nil {
-		state.Status = model.PayoutStatusFailed
+		decision := p.retryPolicy.decideTransportFailure()
 		state.ProviderMessage = err.Error()
 		state.UpdatedAt = p.clock.Now()
-
+		maxAttempts := maxDispatchAttempts(0)
+		if decision.Action == payoutFailureActionRetry && maxAttempts > 1 {
+			state.Status = model.PayoutStatusProcessing
+			state.FailureReason = ""
 			if e := p.updatePayoutStatus(ctx, state); e != nil {
 				fields := append([]zap.Field{zap.Error(e)}, payoutStateLogFields(state)...)
 				p.logger.Warn("Failed to update payout status", fields...)
+				return nil, e
+			}
+			p.scheduleCardPayoutRetry(req, 1, maxAttempts)
+			return cardPayoutResponseFromState(state, true, "", ""), nil
 		}
 
+		state.Status = model.PayoutStatusFailed
+		state.FailureReason = payoutFailureReason("", err.Error())
+		if e := p.updatePayoutStatus(ctx, state); e != nil {
+			fields := append([]zap.Field{zap.Error(e)}, payoutStateLogFields(state)...)
+			p.logger.Warn("Failed to update payout status", fields...)
+			return nil, e
+		}
 		fields := append([]zap.Field{zap.Error(err)}, payoutStateLogFields(state)...)
 		p.logger.Warn("Monetix payout submission failed", fields...)
-
+		p.clearRetryTimer(state.OperationRef)
 		return nil, err
 	}
 
-	// Provider request id is the provider-side payment id in your model.
 	applyCardPayoutSendResult(state, result)
-
 	state.UpdatedAt = p.clock.Now()
+	accepted := result.Accepted
+	errorCode := strings.TrimSpace(result.ErrorCode)
+	errorMessage := strings.TrimSpace(result.ErrorMessage)
+
+	if !result.Accepted {
+		decision := p.retryPolicy.decideProviderFailure(result.ErrorCode)
+		maxAttempts := maxDispatchAttempts(0)
+		if decision.Action == payoutFailureActionRetry && maxAttempts > 1 {
+			state.Status = model.PayoutStatusProcessing
+			state.FailureReason = ""
+			accepted = true
+			errorCode = ""
+			errorMessage = ""
+			p.scheduleCardPayoutRetry(req, 1, maxAttempts)
+		} else {
+			state.Status = model.PayoutStatusFailed
+			state.FailureReason = payoutFailureReason(result.ErrorCode, result.ErrorMessage)
+			p.clearRetryTimer(state.OperationRef)
+		}
+	} else {
+		p.clearRetryTimer(state.OperationRef)
+	}
+
 	if err := p.updatePayoutStatus(ctx, state); err != nil {
 		p.logger.Warn("Failed to store payout",
 			zap.Error(err),
@@ -347,22 +870,16 @@ func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayout
 			zap.String("operation_ref", state.OperationRef),
 			zap.String("idempotency_key", state.IdempotencyKey),
 		)
-		// do not fail request here: provider already answered and client expects response
+		return nil, err
 	}
 
-	resp := &mntxv1.CardPayoutResponse{
-		Payout:            StateToProto(state),
-		Accepted:          result.Accepted,
-		ProviderRequestId: result.ProviderRequestID,
-		ErrorCode:         result.ErrorCode,
-		ErrorMessage:      result.ErrorMessage,
-	}
+	resp := cardPayoutResponseFromState(state, accepted, errorCode, errorMessage)
 
 	p.logger.Info("Card payout submission stored",
 		zap.String("payment_ref", state.PaymentRef),
 		zap.String("status", string(state.Status)),
-		zap.Bool("accepted", result.Accepted),
-		zap.String("provider_request_id", result.ProviderRequestID),
+		zap.Bool("accepted", accepted),
+		zap.String("provider_request_id", resp.GetProviderRequestId()),
 	)
 
 	return resp, nil
@@ -417,6 +934,7 @@ func (p *cardPayoutProcessor) SubmitToken(ctx context.Context, req *mntxv1.CardT
 	if err != nil {
 		return nil, err
 	}
+	req.ProjectId = projectID
 
 	now := p.clock.Now()
 	state := &model.CardPayout{
@@ -428,34 +946,72 @@ func (p *cardPayoutProcessor) SubmitToken(ctx context.Context, req *mntxv1.CardT
 		CustomerID:     strings.TrimSpace(req.GetCustomerId()),
 		AmountMinor:    req.GetAmountMinor(),
 		Currency:       strings.ToUpper(strings.TrimSpace(req.GetCurrency())),
-		Status:         model.PayoutStatusWaiting,
+		Status:         model.PayoutStatusProcessing,
 		CreatedAt:      now,
 		UpdatedAt:      now,
 	}
 
-	_, _ = p.findAndMergePayoutState(ctx, state)
+	existing, _ := p.findAndMergePayoutState(ctx, state)
+	if existing != nil {
+		switch existing.Status {
+		case model.PayoutStatusProcessing, model.PayoutStatusWaiting, model.PayoutStatusSuccess, model.PayoutStatusFailed, model.PayoutStatusCancelled:
+			return cardTokenPayoutResponseFromState(existing, payoutAcceptedForState(existing), "", ""), nil
+		}
+	}
 
-	client := monetix.NewClient(p.config, p.httpClient, p.logger)
-	apiReq := buildCardTokenPayoutRequest(projectID, req)
-
-	result, err := client.CreateCardTokenPayout(ctx, apiReq)
+	result, err := p.dispatchCardTokenPayout(ctx, req)
 	if err != nil {
-		state.Status = model.PayoutStatusFailed
+		decision := p.retryPolicy.decideTransportFailure()
 		state.ProviderMessage = err.Error()
 		state.UpdatedAt = p.clock.Now()
+		maxAttempts := maxDispatchAttempts(0)
+		if decision.Action == payoutFailureActionRetry && maxAttempts > 1 {
+			state.Status = model.PayoutStatusProcessing
+			state.FailureReason = ""
+			if e := p.updatePayoutStatus(ctx, state); e != nil {
+				return nil, e
+			}
+			p.scheduleCardTokenPayoutRetry(req, 1, maxAttempts)
+			return cardTokenPayoutResponseFromState(state, true, "", ""), nil
+		}
 
-		_ = p.updatePayoutStatus(ctx, state)
-
+		state.Status = model.PayoutStatusFailed
+		state.FailureReason = payoutFailureReason("", err.Error())
+		if e := p.updatePayoutStatus(ctx, state); e != nil {
+			return nil, e
+		}
+		p.clearRetryTimer(state.OperationRef)
 		p.logger.Warn("Monetix token payout submission failed",
 			zap.String("payment_ref", state.PaymentRef),
 			zap.String("customer_id", state.CustomerID),
 			zap.Error(err),
 		)
-
 		return nil, err
 	}
 
 	applyCardPayoutSendResult(state, result)
+	accepted := result.Accepted
+	errorCode := strings.TrimSpace(result.ErrorCode)
+	errorMessage := strings.TrimSpace(result.ErrorMessage)
+
+	if !result.Accepted {
+		decision := p.retryPolicy.decideProviderFailure(result.ErrorCode)
+		maxAttempts := maxDispatchAttempts(0)
+		if decision.Action == payoutFailureActionRetry && maxAttempts > 1 {
+			state.Status = model.PayoutStatusProcessing
+			state.FailureReason = ""
+			accepted = true
+			errorCode = ""
+			errorMessage = ""
+			p.scheduleCardTokenPayoutRetry(req, 1, maxAttempts)
+		} else {
+			state.Status = model.PayoutStatusFailed
+			state.FailureReason = payoutFailureReason(result.ErrorCode, result.ErrorMessage)
+			p.clearRetryTimer(state.OperationRef)
+		}
+	} else {
+		p.clearRetryTimer(state.OperationRef)
+	}
 
 	state.UpdatedAt = p.clock.Now()
 	if err := p.updatePayoutStatus(ctx, state); err != nil {
@@ -463,19 +1019,13 @@ func (p *cardPayoutProcessor) SubmitToken(ctx context.Context, req *mntxv1.CardT
 		return nil, err
 	}
 
-	resp := &mntxv1.CardTokenPayoutResponse{
-		Payout:            StateToProto(state),
-		Accepted:          result.Accepted,
-		ProviderRequestId: result.ProviderRequestID,
-		ErrorCode:         result.ErrorCode,
-		ErrorMessage:      result.ErrorMessage,
-	}
+	resp := cardTokenPayoutResponseFromState(state, accepted, errorCode, errorMessage)
 
 	p.logger.Info("Card token payout submission stored",
 		zap.String("payment_ref", state.PaymentRef),
 		zap.String("status", string(state.Status)),
-		zap.Bool("accepted", result.Accepted),
-		zap.String("provider_request_id", result.ProviderRequestID),
+		zap.Bool("accepted", accepted),
+		zap.String("provider_request_id", resp.GetProviderRequestId()),
 	)
 
 	return resp, nil
@@ -635,10 +1185,18 @@ func (p *cardPayoutProcessor) ProcessCallback(ctx context.Context, payload []byt
 			state.FailureReason = existing.FailureReason
 		}
 	}
+	if state.Status == model.PayoutStatusFailed || state.Status == model.PayoutStatusCancelled {
+		if strings.TrimSpace(state.FailureReason) == "" {
+			state.FailureReason = payoutFailureReason(state.ProviderCode, state.ProviderMessage)
+		}
+	}
 
 	if err := p.updatePayoutStatus(ctx, state); err != nil {
 		p.logger.Warn("Failed to update payout state while processing callback", zap.Error(err))
 	}
+	if isFinalStatus(state) {
+		p.clearRetryTimer(state.OperationRef)
+	}
 	monetix.ObserveCallback(statusLabel)
 
 	p.logger.Info("Monetix payout callback processed",

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

@@ -8,6 +8,8 @@ import (
 	"fmt"
 	"io"
 	"net/http"
+	"strings"
+	"sync/atomic"
 	"testing"
 	"time"
 
@@ -399,3 +401,140 @@ func TestCardPayoutProcessor_ProcessCallback_UpdatesMatchingOperationWithinSameP
 		t.Fatalf("second parent payment ref mismatch: got=%q want=%q", got, want)
 	}
 }
+
+func TestCardPayoutProcessor_Submit_RetriesProviderLimitDeclineUntilSuccess(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) {
+			n := calls.Add(1)
+			resp := monetix.APIResponse{}
+			if n == 1 {
+				resp.Code = providerCodeDeclineAmountOrFrequencyLimit
+				resp.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
+			}
+			resp.Operation.RequestID = "req-retry-success"
+			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
+		}),
+	}
+
+	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) time.Duration { return 10 * time.Millisecond }
+
+	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 accepted response when retry is scheduled")
+	}
+
+	deadline := time.Now().Add(2 * time.Second)
+	for {
+		state, ok := repo.payouts.Get(req.GetPayoutId())
+		if ok && state != nil && state.Status == model.PayoutStatusWaiting && state.ProviderPaymentID == "req-retry-success" {
+			break
+		}
+		if time.Now().After(deadline) {
+			t.Fatalf("timeout waiting for successful retry result")
+		}
+		time.Sleep(20 * time.Millisecond)
+	}
+	if got, want := calls.Load(), int32(2); got != want {
+		t.Fatalf("unexpected provider call count: got=%d want=%d", got, want)
+	}
+}
+
+func TestCardPayoutProcessor_Submit_RetriesProviderLimitDeclineThenFails(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:    providerCodeDeclineAmountOrFrequencyLimit,
+				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) time.Duration { return time.Millisecond }
+
+	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 accepted response when retry is scheduled")
+	}
+
+	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) {
+				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")
+		}
+		time.Sleep(10 * time.Millisecond)
+	}
+	if got, want := calls.Load(), int32(defaultMaxDispatchAttempts); got != want {
+		t.Fatalf("unexpected provider call count: got=%d want=%d", got, want)
+	}
+}

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

@@ -0,0 +1,87 @@
+package gateway
+
+import (
+	"strings"
+)
+
+const (
+	providerCodeDeclineAmountOrFrequencyLimit = "10101"
+)
+
+type payoutFailureAction int
+
+const (
+	payoutFailureActionFail payoutFailureAction = iota + 1
+	payoutFailureActionRetry
+)
+
+type payoutFailureDecision struct {
+	Action payoutFailureAction
+	Reason string
+}
+
+type payoutFailurePolicy struct {
+	providerCodeActions map[string]payoutFailureAction
+}
+
+func defaultPayoutFailurePolicy() payoutFailurePolicy {
+	return payoutFailurePolicy{
+		providerCodeActions: map[string]payoutFailureAction{
+			providerCodeDeclineAmountOrFrequencyLimit: payoutFailureActionRetry,
+		},
+	}
+}
+
+func (p payoutFailurePolicy) decideProviderFailure(code string) payoutFailureDecision {
+	normalized := strings.TrimSpace(code)
+	if normalized == "" {
+		return payoutFailureDecision{
+			Action: payoutFailureActionFail,
+			Reason: "provider_failure",
+		}
+	}
+	if action, ok := p.providerCodeActions[normalized]; ok {
+		return payoutFailureDecision{
+			Action: action,
+			Reason: "provider_code_" + normalized,
+		}
+	}
+	return payoutFailureDecision{
+		Action: payoutFailureActionFail,
+		Reason: "provider_code_" + normalized,
+	}
+}
+
+func (p payoutFailurePolicy) decideTransportFailure() payoutFailureDecision {
+	return payoutFailureDecision{
+		Action: payoutFailureActionRetry,
+		Reason: "transport_failure",
+	}
+}
+
+func payoutFailureReason(code, message string) string {
+	cleanCode := strings.TrimSpace(code)
+	cleanMessage := strings.TrimSpace(message)
+	switch {
+	case cleanCode != "" && cleanMessage != "":
+		return cleanCode + ": " + cleanMessage
+	case cleanCode != "":
+		return cleanCode
+	default:
+		return cleanMessage
+	}
+}
+
+func retryDelayForAttempt(attempt uint32) int {
+	// Backoff in seconds by attempt number (attempt starts at 1).
+	switch {
+	case attempt <= 1:
+		return 5
+	case attempt == 2:
+		return 15
+	case attempt == 3:
+		return 30
+	default:
+		return 60
+	}
+}

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

@@ -0,0 +1,53 @@
+package gateway
+
+import "testing"
+
+func TestPayoutFailurePolicy_DecideProviderFailure(t *testing.T) {
+	policy := defaultPayoutFailurePolicy()
+
+	cases := []struct {
+		name   string
+		code   string
+		action payoutFailureAction
+	}{
+		{
+			name:   "retryable provider limit code",
+			code:   providerCodeDeclineAmountOrFrequencyLimit,
+			action: payoutFailureActionRetry,
+		},
+		{
+			name:   "unknown provider code",
+			code:   "99999",
+			action: payoutFailureActionFail,
+		},
+		{
+			name:   "empty provider code",
+			code:   "",
+			action: payoutFailureActionFail,
+		},
+	}
+
+	for _, tc := range cases {
+		tc := tc
+		t.Run(tc.name, func(t *testing.T) {
+			t.Helper()
+			got := policy.decideProviderFailure(tc.code)
+			if got.Action != tc.action {
+				t.Fatalf("action mismatch: got=%v want=%v", got.Action, tc.action)
+			}
+		})
+	}
+}
+
+func TestPayoutFailureReason(t *testing.T) {
+	if got, want := payoutFailureReason("10101", "Decline due to amount or frequency limit"), "10101: Decline due to amount or frequency limit"; got != want {
+		t.Fatalf("failure reason mismatch: got=%q want=%q", got, want)
+	}
+	if got, want := payoutFailureReason("", "network error"), "network error"; got != want {
+		t.Fatalf("failure reason mismatch: got=%q want=%q", got, want)
+	}
+	if got, want := payoutFailureReason("10101", ""), "10101"; got != want {
+		t.Fatalf("failure reason mismatch: got=%q want=%q", got, want)
+	}
+}
+

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

@@ -112,6 +112,9 @@ func (s *Service) Shutdown() {
 	if s == nil {
 		return
 	}
+	if s.card != nil {
+		s.card.stopRetries()
+	}
 	s.outbox.Stop()
 	if s.announcer != nil {
 		s.announcer.Stop()