feat(payment): implement multi-gateway support and enhance payment processing

- Added support for multiple payment gateways, including ZarinPal and TwentyCard, through a new IPaymentGatewayResolver. - Updated PaymentRequest DTO to include payer name and invoice number for better transaction tracking. - Enhanced PackageService to dynamically determine payment amounts based on the selected gateway. - Updated appsettings to include configuration for TwentyCard payment options. - Bumped Protobuf project version to reflect the addition of new features and changes.
2026-09-20 22:17:55 +03:30
parent 78d1fee89a
commit 0b7212ac1c
13 changed files with 447 additions and 34 deletions
@@ -15,6 +15,7 @@
    <PackageReference Include="Microsoft.EntityFrameworkCore" Version="9.0.11" />
    <PackageReference Include="Microsoft.EntityFrameworkCore.Relational" Version="9.0.11" />
    <PackageReference Include="Microsoft.Extensions.Configuration.Abstractions" Version="9.0.11" />
+    <PackageReference Include="Microsoft.Extensions.Configuration.Binder" Version="9.0.11" />
    <PackageReference Include="System.IdentityModel.Tokens.Jwt" Version="8.4.0" />
    <PackageReference Include="System.Linq.Dynamic.Core" Version="1.6.10" />
      <PackageReference Include="DateTimeConverterCL" Version="1.0.0" />
@@ -0,0 +1,9 @@
+namespace CMSMicroservice.Application.Common.Interfaces;
+
+/// <summary>
+/// Resolve payment gateway by provider key (zarinpal, 20card, …).
+/// </summary>
+public interface IPaymentGatewayResolver
+{
+    IPaymentGatewayService Get(string? provider);
+}
@@ -98,6 +98,16 @@ public class PaymentRequest
    /// URL بازگشت بعد از پرداخت
    /// </summary>
    public string CallbackUrl { get; set; } = string.Empty;
+
+    /// <summary>
+    /// نام پرداخت‌کننده (برای درگاه‌هایی مثل ۲۰کارت)
+    /// </summary>
+    public string Name { get; set; } = string.Empty;
+
+    /// <summary>
+    /// شماره فاکتور / سفارش
+    /// </summary>
+    public string Invoice { get; set; } = string.Empty;
 }

 /// <summary>
@@ -8,6 +8,7 @@ using CMSMicroservice.Domain.Entities.Payment;
 using CMSMicroservice.Domain.Enums;
 using MediatR;
 using Microsoft.EntityFrameworkCore;
+using Microsoft.Extensions.Configuration;
 using Microsoft.Extensions.Logging;

 namespace CMSMicroservice.Application.PackageCQ.Commands.VerifyUserPackagePurchasePayment;
@@ -16,20 +17,23 @@ public class VerifyUserPackagePurchasePaymentCommandHandler
    : IRequestHandler<VerifyUserPackagePurchasePaymentCommand, VerifyUserPackagePurchasePaymentResult>
 {
    private readonly IApplicationDbContext _context;
-    private readonly IPaymentGatewayService _paymentGateway;
+    private readonly IPaymentGatewayResolver _paymentGatewayResolver;
+    private readonly IConfiguration _configuration;
    private readonly ISender _sender;
    private readonly IUserPaymentLock _paymentLock;
    private readonly ILogger<VerifyUserPackagePurchasePaymentCommandHandler> _logger;

    public VerifyUserPackagePurchasePaymentCommandHandler(
        IApplicationDbContext context,
-        IPaymentGatewayService paymentGateway,
+        IPaymentGatewayResolver paymentGatewayResolver,
+        IConfiguration configuration,
        ISender sender,
        IUserPaymentLock paymentLock,
        ILogger<VerifyUserPackagePurchasePaymentCommandHandler> logger)
    {
        _context = context;
-        _paymentGateway = paymentGateway;
+        _paymentGatewayResolver = paymentGatewayResolver;
+        _configuration = configuration;
        _sender = sender;
        _paymentLock = paymentLock;
        _logger = logger;
@@ -105,7 +109,8 @@ public class VerifyUserPackagePurchasePaymentCommandHandler
        }

        var amountInToman = paymentTx?.Amount ?? purchase.Amount;
-        var verifyResult = await _paymentGateway.VerifyPaymentAsync(
+        var gateway = _paymentGatewayResolver.Get(paymentTx?.GatewayProvider);
+        var verifyResult = await gateway.VerifyPaymentAsync(
            request.Authority, request.Status, (decimal)amountInToman, ct);

        if (!verifyResult.IsSuccess)
@@ -193,17 +198,30 @@ public class VerifyUserPackagePurchasePaymentCommandHandler
                await _context.SaveChangesAsync(ct);
            }

-            var discountMultiplier = purchase.Package?.DiscountMultiplier
+            var packagePrice = purchase.Package?.Price
                ?? throw new InvalidOperationException("پکیج سفارش یافت نشد");
-            var discountAmount = (long)(purchase.Amount * (double)discountMultiplier);
-            wallet.Balance += purchase.Amount;
+            var discountMultiplier = purchase.Package.DiscountMultiplier;
+            var discountAmount = (long)(packagePrice * (double)discountMultiplier);
+
+            var isTwentyCard = string.Equals(
+                paymentTx?.GatewayProvider, "20card", StringComparison.OrdinalIgnoreCase);
+            long balanceCredit = purchase.Amount;
+            if (isTwentyCard)
+            {
+                balanceCredit = _configuration.GetValue<long?>(
+                    $"TwentyCard:Packages:{purchase.PackageId}:WalletCreditToman") ?? 0;
+                if (balanceCredit <= 0)
+                    throw new InvalidOperationException("WalletCredit ۲۰کارت برای این پکیج پیکربندی نشده است");
+            }
+
+            wallet.Balance += balanceCredit;
            wallet.DiscountBalance += discountAmount;

            _context.UserWalletHistories.Add(new UserWalletHistory
            {
                WalletId = wallet.Id,
                CurrentBalance = wallet.Balance,
-                ChangeValue = purchase.Amount,
+                ChangeValue = balanceCredit,
                CurrentNetworkBalance = wallet.NetworkBalance,
                ChangeNerworkValue = 0,
                CurrentDiscountBalance = wallet.DiscountBalance,
@@ -77,27 +77,33 @@ public static class ConfigureServices
                });
        }
        
-        // Payment Gateway Service - Multi-Provider Architecture
-        // پشتیبانی از درگاه‌های مختلف: ZarinPal, Daya, Mock
+        // Payment Gateway — default provider + multi-gateway resolver (ZarinPal + TwentyCard coexist)
        var paymentProvider = configuration.GetValue<string>("PaymentProvider", "Mock")?.ToLowerInvariant();
-        
+
+        services.AddHttpClient<ZarinPalPaymentService>()
+            .SetHandlerLifetime(TimeSpan.FromMinutes(5));
+        services.AddHttpClient<TwentyCardPaymentService>()
+            .SetHandlerLifetime(TimeSpan.FromMinutes(5));
+
        switch (paymentProvider)
        {
            case "zarinpal":
-                services.AddHttpClient<IPaymentGatewayService, ZarinPalPaymentService>()
-                    .SetHandlerLifetime(TimeSpan.FromMinutes(5));
+                services.AddScoped<IPaymentGatewayService>(sp => sp.GetRequiredService<ZarinPalPaymentService>());
                break;
-            
+
            case "daya":
-                services.AddHttpClient<IPaymentGatewayService, DayaPaymentService>()
+                services.AddHttpClient<DayaPaymentService>()
                    .SetHandlerLifetime(TimeSpan.FromMinutes(5));
+                services.AddScoped<IPaymentGatewayService>(sp => sp.GetRequiredService<DayaPaymentService>());
                break;
-            
+
            case "mock":
            default:
                services.AddScoped<IPaymentGatewayService, MockPaymentGatewayService>();
                break;
        }
+
+        services.AddScoped<IPaymentGatewayResolver, PaymentGatewayResolver>();
        
        services.AddScoped<IApplicationDbContext>(p => p.GetRequiredService<ApplicationDbContext>());
        
@@ -0,0 +1,35 @@
+using CMSMicroservice.Application.Common.Interfaces;
+using CMSMicroservice.Infrastructure.Services.Payment;
+using Microsoft.Extensions.Configuration;
+using Microsoft.Extensions.DependencyInjection;
+
+namespace CMSMicroservice.Infrastructure.Services.Payment;
+
+public class PaymentGatewayResolver : IPaymentGatewayResolver
+{
+    private readonly IServiceProvider _serviceProvider;
+    private readonly IConfiguration _configuration;
+
+    public PaymentGatewayResolver(IServiceProvider serviceProvider, IConfiguration configuration)
+    {
+        _serviceProvider = serviceProvider;
+        _configuration = configuration;
+    }
+
+    public IPaymentGatewayService Get(string? provider)
+    {
+        var key = Normalize(provider)
+            ?? Normalize(_configuration["PaymentProvider"])
+            ?? "zarinpal";
+
+        return key switch
+        {
+            "20card" or "twentycard" => _serviceProvider.GetRequiredService<TwentyCardPaymentService>(),
+            "zarinpal" => _serviceProvider.GetRequiredService<ZarinPalPaymentService>(),
+            _ => _serviceProvider.GetRequiredService<IPaymentGatewayService>()
+        };
+    }
+
+    private static string? Normalize(string? value)
+        => string.IsNullOrWhiteSpace(value) ? null : value.Trim().ToLowerInvariant();
+}
@@ -0,0 +1,264 @@
+using System.Collections.Generic;
+using System.Net.Http;
+using System.Text;
+using System.Text.Json;
+using System.Text.Json.Serialization;
+using CMSMicroservice.Application.Common.Interfaces;
+using Microsoft.Extensions.Configuration;
+using Microsoft.Extensions.Logging;
+
+namespace CMSMicroservice.Infrastructure.Services.Payment;
+
+/// <summary>
+/// درگاه پرداخت بیست‌کارت (20Card IPG Merchant API).
+/// مبلغ ورودی به تومان است (مثل بقیهٔ سیستم).
+/// </summary>
+public class TwentyCardPaymentService : IPaymentGatewayService
+{
+    private readonly HttpClient _httpClient;
+    private readonly ILogger<TwentyCardPaymentService> _logger;
+    private readonly string _terminalId;
+    private readonly string _terminalUsername;
+    private readonly string _terminalPassword;
+
+    private static readonly JsonSerializerOptions JsonOptions = new()
+    {
+        PropertyNamingPolicy = JsonNamingPolicy.SnakeCaseLower,
+        PropertyNameCaseInsensitive = true,
+        DefaultIgnoreCondition = JsonIgnoreCondition.WhenWritingNull
+    };
+
+    public TwentyCardPaymentService(
+        HttpClient httpClient,
+        IConfiguration configuration,
+        ILogger<TwentyCardPaymentService> logger)
+    {
+        _httpClient = httpClient;
+        _logger = logger;
+
+        var baseUrl = configuration["TwentyCard:BaseUrl"]
+            ?? throw new InvalidOperationException("TwentyCard:BaseUrl is not configured.");
+        _terminalId = configuration["TwentyCard:TerminalId"]
+            ?? throw new InvalidOperationException("TwentyCard:TerminalId is not configured.");
+        _terminalUsername = configuration["TwentyCard:TerminalUsername"]
+            ?? throw new InvalidOperationException("TwentyCard:TerminalUsername is not configured.");
+        _terminalPassword = configuration["TwentyCard:TerminalPassword"]
+            ?? throw new InvalidOperationException("TwentyCard:TerminalPassword is not configured.");
+
+        _httpClient.BaseAddress = new Uri(baseUrl.TrimEnd('/') + "/");
+        _logger.LogInformation("TwentyCard payment service initialized. BaseUrl={BaseUrl}", baseUrl);
+    }
+
+    public async Task<PaymentInitiateResult> InitiatePaymentAsync(
+        PaymentRequest request,
+        CancellationToken cancellationToken = default)
+    {
+        try
+        {
+            var amount = (long)request.Amount;
+            var payerName = string.IsNullOrWhiteSpace(request.Name)
+                ? (string.IsNullOrWhiteSpace(request.Mobile) ? "کاربر" : request.Mobile)
+                : request.Name.Trim();
+
+            var body = new Dictionary<string, object?>
+            {
+                ["terminal_id"] = _terminalId,
+                ["terminal_username"] = _terminalUsername,
+                ["terminal_password"] = _terminalPassword,
+                ["amount"] = amount,
+                ["name"] = payerName,
+                ["mobile"] = request.Mobile ?? string.Empty,
+                ["invoice"] = string.IsNullOrWhiteSpace(request.Invoice)
+                    ? request.UserId.ToString()
+                    : request.Invoice,
+                ["callback"] = request.CallbackUrl,
+                ["description"] = request.Description
+            };
+
+            _logger.LogInformation(
+                "TwentyCard payment request: Amount={Amount} Toman, User={UserId}, Invoice={Invoice}",
+                amount, request.UserId, body["invoice"]);
+
+            using var content = new StringContent(
+                JsonSerializer.Serialize(body, JsonOptions), Encoding.UTF8, "application/json");
+
+            var response = await _httpClient.PostAsync("api/pgw/merchant/request", content, cancellationToken);
+            var responseBody = await response.Content.ReadAsStringAsync(cancellationToken);
+
+            if (!response.IsSuccessStatusCode)
+            {
+                _logger.LogError(
+                    "TwentyCard HTTP error on request: StatusCode={StatusCode}, Body={Body}",
+                    (int)response.StatusCode, responseBody);
+
+                return new PaymentInitiateResult
+                {
+                    IsSuccess = false,
+                    ErrorMessage = $"خطای ارتباط با درگاه ۲۰کارت (HTTP {(int)response.StatusCode})"
+                };
+            }
+
+            var result = JsonSerializer.Deserialize<TwentyCardRequestResponse>(responseBody, JsonOptions);
+            var authority = result?.Data?.Authority;
+            var redirectUrl = result?.Data?.RedirectUrl;
+
+            if (string.IsNullOrWhiteSpace(authority) || string.IsNullOrWhiteSpace(redirectUrl))
+            {
+                _logger.LogError("TwentyCard request failed. Body={Body}", responseBody);
+                return new PaymentInitiateResult
+                {
+                    IsSuccess = false,
+                    ErrorMessage = result?.Message ?? "ایجاد تراکنش ۲۰کارت ناموفق بود"
+                };
+            }
+
+            return new PaymentInitiateResult
+            {
+                IsSuccess = true,
+                RefId = authority,
+                GatewayUrl = redirectUrl
+            };
+        }
+        catch (Exception ex)
+        {
+            _logger.LogError(ex, "TwentyCard InitiatePayment failed");
+            return new PaymentInitiateResult
+            {
+                IsSuccess = false,
+                ErrorMessage = "خطا در ارتباط با درگاه ۲۰کارت"
+            };
+        }
+    }
+
+    public Task<PaymentVerificationResult> VerifyPaymentAsync(
+        string refId,
+        string verificationToken,
+        CancellationToken cancellationToken = default)
+        => throw new NotImplementedException("TwentyCard requires VerifyPaymentAsync with amount.");
+
+    public async Task<PaymentVerificationResult> VerifyPaymentAsync(
+        string refId,
+        string verificationToken,
+        decimal amountInToman,
+        CancellationToken cancellationToken = default)
+    {
+        try
+        {
+            if (!string.Equals(verificationToken, "OK", StringComparison.OrdinalIgnoreCase))
+            {
+                return new PaymentVerificationResult
+                {
+                    IsSuccess = false,
+                    RefId = refId,
+                    Message = "پرداخت توسط کاربر لغو شد یا ناموفق بود",
+                    VerificationCode = 0
+                };
+            }
+
+            var body = new Dictionary<string, object?>
+            {
+                ["terminal_id"] = _terminalId,
+                ["terminal_username"] = _terminalUsername,
+                ["terminal_password"] = _terminalPassword,
+                ["authority"] = refId,
+                ["amount"] = (long)amountInToman
+            };
+
+            using var content = new StringContent(
+                JsonSerializer.Serialize(body, JsonOptions), Encoding.UTF8, "application/json");
+
+            var response = await _httpClient.PostAsync("api/pgw/merchant/verify", content, cancellationToken);
+            var responseBody = await response.Content.ReadAsStringAsync(cancellationToken);
+
+            _logger.LogInformation(
+                "TwentyCard verify response: Authority={Authority}, StatusCode={StatusCode}, Body={Body}",
+                refId, (int)response.StatusCode, responseBody);
+
+            var result = JsonSerializer.Deserialize<TwentyCardVerifyResponse>(responseBody, JsonOptions);
+
+            var paid = result?.Status?.Paid == true;
+            var verified = result?.Status?.Verified == true;
+            var noError = result?.Error != true;
+
+            if (response.IsSuccessStatusCode && noError && paid && verified)
+            {
+                return new PaymentVerificationResult
+                {
+                    IsSuccess = true,
+                    RefId = refId,
+                    TrackingCode = refId,
+                    Message = result?.Message ?? "تراکنش با موفقیت تایید شد",
+                    VerificationCode = result?.Code ?? 200
+                };
+            }
+
+            // Code 103 = already verified — treat as success for idempotency
+            if (result?.Code == 103)
+            {
+                return new PaymentVerificationResult
+                {
+                    IsSuccess = true,
+                    RefId = refId,
+                    TrackingCode = refId,
+                    Message = result.Message ?? "تراکنش قبلاً تایید شده است",
+                    VerificationCode = 103
+                };
+            }
+
+            return new PaymentVerificationResult
+            {
+                IsSuccess = false,
+                RefId = refId,
+                Message = result?.Message ?? "تایید تراکنش ۲۰کارت ناموفق بود",
+                VerificationCode = result?.Code ?? (int)response.StatusCode
+            };
+        }
+        catch (Exception ex)
+        {
+            _logger.LogError(ex, "TwentyCard VerifyPayment failed. Authority={Authority}", refId);
+            return new PaymentVerificationResult
+            {
+                IsSuccess = false,
+                RefId = refId,
+                Message = "خطا در تایید تراکنش ۲۰کارت"
+            };
+        }
+    }
+
+    public Task<PayoutResult> ProcessPayoutAsync(
+        PayoutRequest request,
+        CancellationToken cancellationToken = default)
+    {
+        return Task.FromResult(new PayoutResult
+        {
+            IsSuccess = false,
+            Message = "واریز از طریق درگاه ۲۰کارت پشتیبانی نمی‌شود"
+        });
+    }
+
+    private sealed class TwentyCardRequestResponse
+    {
+        public string? Message { get; set; }
+        public TwentyCardRequestData? Data { get; set; }
+    }
+
+    private sealed class TwentyCardRequestData
+    {
+        public string? Authority { get; set; }
+        public string? RedirectUrl { get; set; }
+    }
+
+    private sealed class TwentyCardVerifyResponse
+    {
+        public bool Error { get; set; }
+        public int Code { get; set; }
+        public string? Message { get; set; }
+        public TwentyCardVerifyStatus? Status { get; set; }
+    }
+
+    private sealed class TwentyCardVerifyStatus
+    {
+        public bool Paid { get; set; }
+        public bool Verified { get; set; }
+    }
+}
@@ -3,7 +3,7 @@
    <TargetFramework>net9.0</TargetFramework>
    <ImplicitUsings>enable</ImplicitUsings>
    <Nullable>enable</Nullable>
-    <Version>0.0.211</Version>
+    <Version>0.0.212</Version>
    <DebugType>None</DebugType>
    <DebugSymbols>False</DebugSymbols>
    <GeneratePackageOnBuild>False</GeneratePackageOnBuild>
@@ -249,6 +249,8 @@ message CustomerPurchasePackageRequest
    int64 package_id = 1;
    PurchaseMethodEnum purchase_method = 2;
    string callback_url = 3;
+    // "zarinpal" (default) | "20card"
+    string gateway_provider = 4;
 }

 message CustomerPurchasePackageResponse 
@@ -32,7 +32,7 @@ public class PackageService : PackageContract.PackageContractBase
    private readonly ISender _sender;
    private readonly IApplicationDbContext _context;
    private readonly ICurrentUserService _currentUserService;
-    private readonly IPaymentGatewayService _paymentGateway;
+    private readonly IPaymentGatewayResolver _paymentGatewayResolver;
    private readonly IConfiguration _configuration;
    private readonly IUserPaymentLock _paymentLock;

@@ -41,7 +41,7 @@ public class PackageService : PackageContract.PackageContractBase
        ISender sender,
        IApplicationDbContext context,
        ICurrentUserService currentUserService,
-        IPaymentGatewayService paymentGateway,
+        IPaymentGatewayResolver paymentGatewayResolver,
        IConfiguration configuration,
        IUserPaymentLock paymentLock)
    {
@@ -49,7 +49,7 @@ public class PackageService : PackageContract.PackageContractBase
        _sender = sender;
        _context = context;
        _currentUserService = currentUserService;
-        _paymentGateway = paymentGateway;
+        _paymentGatewayResolver = paymentGatewayResolver;
        _configuration = configuration;
        _paymentLock = paymentLock;
    }
@@ -171,19 +171,38 @@ public class PackageService : PackageContract.PackageContractBase
        
        if (package == null)
            throw new RpcException(new Status(StatusCode.NotFound, "پکیج مورد نظر یافت نشد"));
-        
-        // Create transaction
+
+        var gatewayProvider = NormalizeGatewayProvider(request.GatewayProvider);
+        var isTwentyCard = gatewayProvider == "20card";
+
+        long gatewayAmount = package.Price;
+        if (isTwentyCard)
+        {
+            var packageKey = $"TwentyCard:Packages:{package.Id}";
+            gatewayAmount = _configuration.GetValue<long?>($"{packageKey}:GatewayAmountToman") ?? 0;
+            var walletCredit = _configuration.GetValue<long?>($"{packageKey}:WalletCreditToman") ?? 0;
+            if (gatewayAmount <= 0 || walletCredit <= 0)
+            {
+                throw new RpcException(new Status(
+                    StatusCode.FailedPrecondition,
+                    "پرداخت ۲۰کارت برای این پکیج پیکربندی نشده است"));
+            }
+        }
+
+        // Create transaction — 20card: Amount = gateway charge; zarinpal: Package.Price
        var transaction = new CMSMicroservice.Domain.Entities.Transaction
        {
-            Amount = package.Price,
-            Description = $"خرید پکیج {package.Title}",
+            Amount = gatewayAmount,
+            Description = isTwentyCard
+                ? $"خرید پکیج {package.Title} (۲۰کارت)"
+                : $"خرید پکیج {package.Title}",
            PaymentStatus = Domain.Enums.PaymentStatus.Pending,
            Type = Domain.Enums.TransactionType.Buy
        };
        _context.Transactions.Add(transaction);
        await _context.SaveChangesAsync(cancellationToken);
        
-        // Create purchase record
+        // Create purchase record — UPP.Amount always Package.Price (catalog)
        var purchaseMethod = request.PurchaseMethod == PurchaseMethodEnum.PurchaseMethodGateway 
            ? Domain.Enums.PackagePurchaseMethod.DirectPurchase 
            : Domain.Enums.PackagePurchaseMethod.DayaLoan;
@@ -204,18 +223,23 @@ public class PackageService : PackageContract.PackageContractBase
        var user = await _context.Users
            .AsNoTracking()
            .Where(u => u.Id == userId)
-            .Select(u => new { u.Mobile })
+            .Select(u => new { u.Mobile, u.FirstName, u.LastName })
            .FirstOrDefaultAsync(cancellationToken);
        
        // Callback URL از config — نه از ورودی کاربر (امنیت)
        var frontOfficeBaseUrl = _configuration["FrontOfficeBaseUrl"] ?? "https://localhost:5268";
        var callbackUrl = $"{frontOfficeBaseUrl}/profile/payment-callback?orderId={purchase.Id}";
+
+        var paymentGateway = _paymentGatewayResolver.Get(gatewayProvider);
+        var payerName = $"{user?.FirstName} {user?.LastName}".Trim();
        
-        var paymentResult = await _paymentGateway.InitiatePaymentAsync(new PaymentRequest
+        var paymentResult = await paymentGateway.InitiatePaymentAsync(new PaymentRequest
        {
-            Amount = package.Price,
+            Amount = gatewayAmount,
            UserId = userId,
            Mobile = user?.Mobile ?? string.Empty,
+            Name = payerName,
+            Invoice = purchase.Id.ToString(),
            Description = $"خرید پکیج {package.Title}",
            CallbackUrl = callbackUrl
        }, cancellationToken);
@@ -235,12 +259,14 @@ public class PackageService : PackageContract.PackageContractBase
        // Save RefId
        transaction.RefId = paymentResult.RefId;

-        // ثبت PaymentTransaction
+        // ثبت PaymentTransaction — Amount = gateway amount
        var paymentTx = new PaymentTransaction
        {
-            GatewayProvider = _configuration["PaymentProvider"] ?? "zarinpal",
-            MerchantId = _configuration["ZarinPal:MerchantId"] ?? "",
-            Amount = package.Price,
+            GatewayProvider = gatewayProvider,
+            MerchantId = isTwentyCard
+                ? (_configuration["TwentyCard:TerminalId"] ?? "")
+                : (_configuration["ZarinPal:MerchantId"] ?? ""),
+            Amount = gatewayAmount,
            CallbackUrl = callbackUrl,
            Description = $"خرید پکیج {package.Title}",
            Mobile = user?.Mobile,
@@ -264,6 +290,14 @@ public class PackageService : PackageContract.PackageContractBase
            Authority = paymentResult.RefId ?? string.Empty
        };
    }
+
+    private static string NormalizeGatewayProvider(string? provider)
+    {
+        if (string.IsNullOrWhiteSpace(provider))
+            return "zarinpal";
+        var key = provider.Trim().ToLowerInvariant();
+        return key is "20card" or "twentycard" ? "20card" : "zarinpal";
+    }
    
    public override async Task<CustomerVerifyPackagePurchaseResponse> CustomerVerifyPackagePurchase(
        CustomerVerifyPackagePurchaseRequest request,
@@ -4,6 +4,23 @@
    "MerchantId": "4225d555-5fa9-4df0-9b61-1ce152cbbba8",
    "UseSandbox": true
  },
+  "TwentyCard": {
+    "BaseUrl": "https://sandbox.20card.ir/ipg",
+    "TerminalId": "",
+    "TerminalUsername": "",
+    "TerminalPassword": "",
+    "CreditPortalUrl": "https://20card.ir",
+    "Packages": {
+      "4": {
+        "GatewayAmountToman": 9700000,
+        "WalletCreditToman": 13000000
+      },
+      "1": {
+        "GatewayAmountToman": 97000000,
+        "WalletCreditToman": 130000000
+      }
+    }
+  },
  "CmsBaseUrl": "https://cms.se.kbs1.ir",
  "FrontOfficeBaseUrl": "https://frontoffice.se.kbs1.ir",
  "FMS": {
@@ -4,6 +4,23 @@
    "MerchantId": "4225d555-5fa9-4df0-9b61-1ce152cbbba8",
    "UseSandbox": true
  },
+  "TwentyCard": {
+    "BaseUrl": "https://sandbox.20card.ir/ipg",
+    "TerminalId": "",
+    "TerminalUsername": "",
+    "TerminalPassword": "",
+    "CreditPortalUrl": "https://20card.ir",
+    "Packages": {
+      "4": {
+        "GatewayAmountToman": 9700000,
+        "WalletCreditToman": 13000000
+      },
+      "1": {
+        "GatewayAmountToman": 97000000,
+        "WalletCreditToman": 130000000
+      }
+    }
+  },
  "CmsBaseUrl": "https://localhost:32846",
  "FrontOfficeBaseUrl": "http://localhost:5268",
  "FMS": {