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.

src/CMSMicroservice.Application/CMSMicroservice.Application.csproj

@@ -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" />

src/CMSMicroservice.Application/Common/Interfaces/IPaymentGatewayResolver.cs

@@ -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);
+}

src/CMSMicroservice.Application/Common/Interfaces/IPaymentGatewayService.cs

@@ -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>

src/CMSMicroservice.Application/PackageCQ/Commands/VerifyUserPackagePurchasePayment/VerifyUserPackagePurchasePaymentCommandHandler.cs

@@ -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,

src/CMSMicroservice.Infrastructure/ConfigureServices.cs

@@ -77,20 +77,24 @@ 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":
@@ -99,6 +103,8 @@ public static class ConfigureServices
                 break;
         }
 
+        services.AddScoped<IPaymentGatewayResolver, PaymentGatewayResolver>();
+        
         services.AddScoped<IApplicationDbContext>(p => p.GetRequiredService<ApplicationDbContext>());
         
         // Week Definition Repository - کش در حافظه برای هفته‌ها (Singleton برای کش، با IServiceScopeFactory برای دسترسی به DbContext)

src/CMSMicroservice.Infrastructure/Services/Payment/PaymentGatewayResolver.cs

@@ -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();
+}

src/CMSMicroservice.Infrastructure/Services/Payment/TwentyCardPaymentService.cs

@@ -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; }
+    }
+}

src/CMSMicroservice.Protobuf/CMSMicroservice.Protobuf.csproj

@@ -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>

src/CMSMicroservice.Protobuf/Protos/package.proto

@@ -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 

src/CMSMicroservice.WebApi/Services/PackageService.cs

@@ -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;
     }
@@ -172,18 +172,37 @@ 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 paymentResult = await _paymentGateway.InitiatePaymentAsync(new PaymentRequest
+        var paymentGateway = _paymentGatewayResolver.Get(gatewayProvider);
+        var payerName = $"{user?.FirstName} {user?.LastName}".Trim();
+        
+        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,
@@ -265,6 +291,14 @@ public class PackageService : PackageContract.PackageContractBase
         };
     }
 
+    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,
         ServerCallContext context)

src/CMSMicroservice.WebApi/appsettings.Staging.json

@@ -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": {

src/CMSMicroservice.WebApi/appsettings.json

@@ -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": {