feat(payment): configure named gateway providers

packages/payment/README.md

@@ -5,3 +5,27 @@ Gateway-neutral, webhook-authoritative payments for WrNexus. Amounts are integer
 Built-in adapters: offline `sandbox`, Stripe, Razorpay, and PayPal. Applications may add adapters with `defineGateway`. Capabilities are explicit, unsupported operations are refused, signed webhooks are mandatory in production, and package-owned migrations provision the append-only event ledger.
 
 Webhook events are deduplicated by the provider's event ID and reduced in provider occurrence/sequence order. Captured and refund states are monotonic, so a delayed retry of an older event cannot regress a terminal payment.
+
+Configure any number of named gateway accounts in `wrnexus.config.ts`; keep credentials in environment variables:
+
+```ts
+const payment = {
+  default: "razorpayIndia",
+  gateways: {
+    razorpayIndia: {
+      provider: "razorpay",
+      keyId: process.env.RAZORPAY_KEY_ID!,
+      keySecret: process.env.RAZORPAY_KEY_SECRET!,
+      webhookSecret: process.env.RAZORPAY_WEBHOOK_SECRET ?? "",
+    },
+    stripeGlobal: {
+      provider: "stripe",
+      secretKey: process.env.STRIPE_SECRET_KEY!,
+      publishableKey: process.env.STRIPE_PUBLISHABLE_KEY!,
+      webhookSecret: process.env.STRIPE_WEBHOOK_SECRET!,
+    },
+  },
+} satisfies PaymentConfig;
+```
+
+At runtime, call `configurePaymentFromConfig(config.payment, databasePaymentStore())` once. Pass a configured gateway name to `initializePayment` to override the default for a specific checkout.

packages/payment/src/config.ts

@@ -0,0 +1,84 @@
+import {
+  paypalGateway,
+  razorpayGateway,
+  sandboxGateway,
+  stripeGateway,
+  type PayPalConfig,
+  type RazorpayConfig,
+  type SandboxOptions,
+  type StripeConfig,
+} from "./adapters.ts";
+import { configurePayment, type PaymentOptions, type PaymentService } from "./core.ts";
+import type { PaymentGateway, PaymentStore } from "./types.ts";
+
+export type ConfiguredPaymentGateway =
+  | ({ provider: "sandbox" } & SandboxOptions)
+  | ({ provider: "stripe" } & StripeConfig)
+  | ({ provider: "razorpay" } & RazorpayConfig)
+  | ({ provider: "paypal" } & PayPalConfig);
+
+export interface PaymentConfig {
+  /** Name of the gateway used when an operation does not select one explicitly. */
+  default: string;
+  /** Any number of named gateway accounts. Names are persisted with payment intents. */
+  gateways: Record<string, ConfiguredPaymentGateway | false>;
+  environment?: "development" | "test" | "production";
+}
+
+function namedGateway(name: string, gateway: PaymentGateway): PaymentGateway {
+  return Object.freeze({ ...gateway, id: name });
+}
+
+export function paymentOptionsFromConfig(
+  config: PaymentConfig,
+  store: PaymentStore,
+): PaymentOptions {
+  if (!config?.default?.trim()) throw new Error("WRN-PAYMENT-CONFIG: payment.default is required");
+  if (!config.gateways || typeof config.gateways !== "object")
+    throw new Error("WRN-PAYMENT-CONFIG: payment.gateways is required");
+
+  const adapters: PaymentGateway[] = [];
+  const webhookSecrets: Record<string, string> = {};
+  for (const [name, value] of Object.entries(config.gateways)) {
+    if (value === false) continue;
+    if (!name.trim()) throw new Error("WRN-PAYMENT-CONFIG: gateway name is required");
+    let adapter: PaymentGateway;
+    switch (value.provider) {
+      case "sandbox":
+        adapter = sandboxGateway(value);
+        break;
+      case "stripe":
+        adapter = stripeGateway(value);
+        break;
+      case "razorpay":
+        adapter = razorpayGateway(value);
+        break;
+      case "paypal":
+        adapter = paypalGateway(value);
+        break;
+      default:
+        throw new Error(`WRN-PAYMENT-CONFIG: unsupported provider '${(value as any).provider}'`);
+    }
+    adapters.push(namedGateway(name, adapter));
+    if ("webhookSecret" in value && value.webhookSecret) webhookSecrets[name] = value.webhookSecret;
+    if (value.provider === "paypal" && value.webhookId) webhookSecrets[name] = value.webhookId;
+  }
+  if (!adapters.some((adapter) => adapter.id === config.default))
+    throw new Error(
+      `WRN-PAYMENT-CONFIG: default gateway '${config.default}' is not enabled or configured`,
+    );
+  return {
+    store,
+    adapters,
+    default: config.default,
+    webhookSecrets,
+    environment: config.environment,
+  };
+}
+
+export function configurePaymentFromConfig(
+  config: PaymentConfig,
+  store: PaymentStore,
+): PaymentService {
+  return configurePayment(paymentOptionsFromConfig(config, store));
+}

packages/payment/src/index.ts

@@ -3,5 +3,6 @@ export * from "./store.ts";
 export * from "./database.ts";
 export * from "./core.ts";
 export * from "./adapters.ts";
+export * from "./config.ts";
 export * from "./contract.ts";
 export { paymentPlugin } from "./plugin.ts";

packages/payment/src/plugin.ts

@@ -1,6 +1,7 @@
 import { basename, dirname, join } from "node:path";
 import { fileURLToPath } from "node:url";
 import { definePlugin, type PluginContext } from "@wrnexus/plugin";
+import type { PaymentConfig } from "./config.ts";
 
 const root = dirname(dirname(fileURLToPath(import.meta.url)));
 const extension = basename(dirname(fileURLToPath(import.meta.url))) === "dist" ? ".js" : ".ts";
@@ -39,17 +40,23 @@ export function paymentPlugin() {
         : [];
     },
     configure(config, context) {
-      const value = config.payment as
-        { default?: string; gateways?: Record<string, unknown>; sandbox?: boolean } | undefined;
+      const value = config.payment as PaymentConfig | undefined;
       context.metadata.set(key, Boolean(value));
       if (!value) return;
       if (!value.default) throw new Error("WRN-PAYMENT-CONFIG: payment.default is required");
-      if (!value.gateways?.[value.default] && value.default !== "sandbox")
+      const legacySandbox = value.default === "sandbox" && !value.gateways;
+      if (!value.gateways?.[value.default] && !legacySandbox)
         throw new Error(
           `WRN-PAYMENT-CONFIG: default gateway '${value.default}' has no configuration`,
         );
-      if (process.env.NODE_ENV === "production" && value.sandbox)
-        throw new Error("WRN-PAYMENT-CONFIG: sandbox cannot be enabled in production");
+      if (
+        process.env.NODE_ENV === "production" &&
+        (legacySandbox ||
+          Object.values(value.gateways ?? {}).some(
+            (gateway) => gateway && gateway.provider === "sandbox",
+          ))
+      )
+        throw new Error("WRN-PAYMENT-CONFIG: sandbox gateways cannot be enabled in production");
     },
     migrations(context: PluginContext) {
       return context.metadata.get(key)

packages/payment/test/config.test.ts

@@ -0,0 +1,41 @@
+import { expect, test } from "bun:test";
+import { memoryPaymentStore } from "../src/store.ts";
+import { paymentOptionsFromConfig } from "../src/config.ts";
+
+test("configuration creates any number of named provider gateways", () => {
+  const options = paymentOptionsFromConfig(
+    {
+      default: "india",
+      environment: "test",
+      gateways: {
+        india: {
+          provider: "razorpay",
+          keyId: "rzp_test",
+          keySecret: "secret",
+          webhookSecret: "razorpay-hook",
+        },
+        global: {
+          provider: "stripe",
+          secretKey: "sk_test",
+          publishableKey: "pk_test",
+          webhookSecret: "stripe-hook",
+        },
+        disabled: false,
+      },
+    },
+    memoryPaymentStore(),
+  );
+
+  expect(options.default).toBe("india");
+  expect(options.adapters.map((adapter) => adapter.id)).toEqual(["india", "global"]);
+  expect(options.webhookSecrets).toEqual({ india: "razorpay-hook", global: "stripe-hook" });
+});
+
+test("configuration rejects a disabled or missing default gateway", () => {
+  expect(() =>
+    paymentOptionsFromConfig(
+      { default: "missing", gateways: { sandbox: { provider: "sandbox" } } },
+      memoryPaymentStore(),
+    ),
+  ).toThrow("default gateway 'missing' is not enabled or configured");
+});