Add optional owner gateway routing to Merchant.

Co-authored-by: Cursor <cursoragent@cursor.com>

app/Services/Merchant/MerchantSaleService.php

@@ -10,6 +10,7 @@ use App\Services\Billing\BillingClient;
 use App\Services\Billing\PaystackService;
 use App\Services\Billing\SmsService;
 use App\Services\Pay\PayClient;
+use App\Services\Payments\MerchantGatewayService;
 use App\Support\LadillLink;
 use App\Support\Qr\QrTypeCatalog;
 use RuntimeException;
@@ -22,6 +23,7 @@ class MerchantSaleService
         private BillingClient $billing,
         private SmsService $sms,
         private KitchenPusher $kitchen,
+        private MerchantGatewayService $gateway,
     ) {}
 
     /**
@@ -53,7 +55,23 @@ class MerchantSaleService
         $customerEmail = trim((string) ($data['customer_email'] ?? ''));
         $callbackUrl = LadillLink::path($qrCode->short_code, 'order/callback');
 
-        $payOrder = $this->pay->createCheckout([
+        $usesOwnerGateway = $this->gateway->shouldUseOwnerGateway($qrCode->user);
+        $payOrder = null;
+        if ($usesOwnerGateway) {
+            try {
+                $payOrder = $this->gateway->initialize(
+                    $qrCode->user, (int) round($totalGhs * 100),
+                    (string) ($qrCode->content()['currency'] ?? 'GHS'),
+                    (string) config('pay.mini_checkout_email', 'pay@ladill.com'), $callbackUrl,
+                    'MGP-'.strtoupper(\Illuminate\Support\Str::random(16)),
+                    ['qr_code_id' => $qrCode->id, 'short_code' => $qrCode->short_code, 'type' => 'order'],
+                );
+            } catch (\Throwable) {
+                $usesOwnerGateway = false;
+            }
+        }
+        if (! $usesOwnerGateway) {
+            $payOrder = $this->pay->createCheckout([
             'merchant' => $qrCode->user->public_id,
             'fee_tier' => 'sales',
             'source_service' => 'merchant',
@@ -71,17 +89,18 @@ class MerchantSaleService
                 'qr_code_id' => $qrCode->id,
                 'short_code' => $qrCode->short_code,
             ],
-        ]);
+            ]);
+        }
 
         $order = QrSaleOrder::create([
-            'pay_order_id' => $payOrder['id'] ?? null,
+            'pay_order_id' => $usesOwnerGateway ? null : ($payOrder['id'] ?? null),
             'qr_code_id' => $qrCode->id,
             'user_id' => $qrCode->user_id,
             'customer_name' => trim((string) ($data['customer_name'] ?? '')),
             'customer_email' => $customerEmail ?: null,
             'customer_phone' => trim((string) ($data['customer_phone'] ?? '')) ?: null,
             'items' => $items,
-            'amount_ghs' => round(($payOrder['amount_minor'] ?? 0) / 100, 2),
+            'amount_ghs' => $usesOwnerGateway ? $totalGhs : round(($payOrder['amount_minor'] ?? 0) / 100, 2),
             'status' => QrSaleOrder::STATUS_PENDING,
             'payment_reference' => $payOrder['reference'],
         ]);
@@ -154,7 +173,23 @@ class MerchantSaleService
         }
 
         $lineLabel = sprintf('%s — %s', $serviceName, $startsAt->format('D j M, g:i A'));
-        $payOrder = $this->pay->createCheckout([
+        $usesOwnerGateway = $this->gateway->shouldUseOwnerGateway($qrCode->user);
+        $payOrder = null;
+        if ($usesOwnerGateway) {
+            try {
+                $payOrder = $this->gateway->initialize(
+                    $qrCode->user, (int) round($priceGhs * 100),
+                    (string) ($content['currency'] ?? 'GHS'),
+                    (string) config('pay.mini_checkout_email', 'pay@ladill.com'), $callbackUrl,
+                    'MGP-'.strtoupper(\Illuminate\Support\Str::random(16)),
+                    ['qr_code_id' => $qrCode->id, 'qr_booking_id' => $booking->id, 'type' => 'booking'],
+                );
+            } catch (\Throwable) {
+                $usesOwnerGateway = false;
+            }
+        }
+        if (! $usesOwnerGateway) {
+            $payOrder = $this->pay->createCheckout([
             'merchant' => $qrCode->user->public_id,
             'fee_tier' => 'sales',
             'source_service' => 'merchant',
@@ -171,10 +206,11 @@ class MerchantSaleService
                 'qr_booking_id' => $booking->id,
                 'type' => 'booking',
             ],
-        ]);
+            ]);
+        }
 
         $booking->update([
-            'pay_order_id' => $payOrder['id'] ?? null,
+            'pay_order_id' => $usesOwnerGateway ? null : ($payOrder['id'] ?? null),
             'payment_reference' => $payOrder['reference'],
         ]);
 
@@ -192,6 +228,9 @@ class MerchantSaleService
         if (str_starts_with($reference, 'LP-')) {
             return $this->completeLadillPayBooking($reference);
         }
+        if (str_starts_with($reference, 'MGP-')) {
+            return $this->completeOwnerGatewayBooking($reference);
+        }
 
         return $this->completeLegacyBooking($reference);
     }
@@ -201,6 +240,9 @@ class MerchantSaleService
         if (str_starts_with($reference, 'LP-')) {
             return $this->completeLadillPay($reference);
         }
+        if (str_starts_with($reference, 'MGP-')) {
+            return $this->completeOwnerGateway($reference);
+        }
 
         return $this->completeLegacy($reference);
     }
@@ -269,6 +311,32 @@ class MerchantSaleService
         return $order;
     }
 
+    private function completeOwnerGateway(string $reference): QrSaleOrder
+    {
+        $order = QrSaleOrder::where('payment_reference', $reference)
+            ->where('status', QrSaleOrder::STATUS_PENDING)
+            ->with('merchant')
+            ->firstOrFail();
+        $result = $this->gateway->verify($order->merchant, $reference);
+        if (! $result['paid']) {
+            $order->update(['status' => QrSaleOrder::STATUS_FAILED]);
+            throw new RuntimeException('Payment was not successful.');
+        }
+        $paidMinor = (int) ($result['amount_minor'] ?: round($order->amount_ghs * 100));
+        $order->update([
+            'status' => QrSaleOrder::STATUS_PAID,
+            'paid_at' => now(),
+            'amount_ghs' => round($paidMinor / 100, 2),
+            'platform_fee_ghs' => 0,
+            'merchant_amount_ghs' => round($paidMinor / 100, 2),
+            'metadata' => array_merge((array) $order->metadata, ['merchant_gateway' => $result]),
+        ]);
+        $this->notifyOrderPlaced($order->fresh(['qrCode', 'merchant']));
+        $this->kitchen->push($order->fresh(['qrCode', 'merchant']));
+
+        return $order;
+    }
+
     private function completeLadillPayBooking(string $reference): QrBooking
     {
         $booking = QrBooking::where('payment_reference', $reference)
@@ -332,6 +400,32 @@ class MerchantSaleService
         return $booking;
     }
 
+    private function completeOwnerGatewayBooking(string $reference): QrBooking
+    {
+        $booking = QrBooking::where('payment_reference', $reference)
+            ->where('status', QrBooking::STATUS_PENDING)
+            ->with('merchant')
+            ->firstOrFail();
+        $result = $this->gateway->verify($booking->merchant, $reference);
+        if (! $result['paid']) {
+            $booking->update(['status' => QrBooking::STATUS_FAILED]);
+            throw new RuntimeException('Payment was not successful.');
+        }
+        $paidMinor = (int) ($result['amount_minor'] ?: round($booking->amount_ghs * 100));
+        $booking->update([
+            'status' => QrBooking::STATUS_CONFIRMED,
+            'fulfillment_status' => QrBooking::FULFILLMENT_CONFIRMED,
+            'paid_at' => now(),
+            'amount_ghs' => round($paidMinor / 100, 2),
+            'platform_fee_ghs' => 0,
+            'merchant_amount_ghs' => round($paidMinor / 100, 2),
+            'metadata' => array_merge((array) $booking->metadata, ['merchant_gateway' => $result]),
+        ]);
+        $this->notifyBookingConfirmed($booking->fresh(['qrCode']));
+
+        return $booking;
+    }
+
     private function notifyBookingConfirmed(QrBooking $booking): void
     {
         if (! $booking->customer_phone) {