research: score and sequence the next payment gateway integrations

[teesofttech]

Outcome

Turn the growing provider wishlist into a defensible roadmap instead of integrating gateways in issue-number order.

Evaluation criteria

• Target countries, currencies, and local payment methods not already covered.
• Merchant demand and onboarding availability.
• API quality, versioning, sandbox fidelity, negative testing, webhook security, and refund support.
• Pricing/commercial constraints and settlement model.
• Maintenance risk, certification effort, and overlap with existing providers.
• Fit with the current hosted-checkout IPaymentGateway contract.

Acceptance criteria

• Every open provider issue is scored with the same weighted rubric.
• Top candidates have official documentation and accessible sandbox accounts.
• A recommended sequence identifies quick wins, strategic gaps, and deferred providers.
• Required credentials/certification and test ownership are named.
• Results are published in the docs capability/roadmap section.
• Scores are reviewed at least quarterly.

[teesofttech]

Candidate backlog to score:

• Existing: Add YellowCard Integration #2 Add Payaza Integration #3 feat: implement OzowGateway (South Africa - instant EFT / open banking) #17 feat: implement MTNMomoGateway (West & Central Africa - mobile money) #18 feat: implement RazorpayGateway (India - cards, UPI, netbanking, wallets) #19 feat: implement XenditGateway (Indonesia, Philippines - cards, virtual accounts, QRIS, GCash) #20 feat: implement MidtransGateway (Indonesia - QRIS, virtual accounts, GoPay) #21 feat: implement PayMongoGateway (Philippines - cards, GCash, Maya) #22 feat: implement TwoCTwoPGateway (SEA - Thailand, Singapore, Malaysia) #23 feat: implement OmiseGateway (Thailand, Japan, Singapore - cards, PromptPay) #24
• Newly validated: feat: implement Safaricom M-PESA Daraja gateway with STK Push sandbox tests #91 M-PESA Daraja, feat: implement Fincra gateway with checkout, verification, refunds, and signed webhooks #92 Fincra, feat: implement PayPal Orders v2 gateway with sandbox and negative testing #94 PayPal, feat: implement Pesapal API 3.0 gateway and IPN sandbox coverage #95 Pesapal, feat: implement dLocal redirect payins for emerging markets #96 dLocal
• Architecture dependency: architecture: define gateway capabilities before adding more providers #90 gateway capability model

Issues #4 through #8 should be triaged as already implemented or duplicate before roadmap scoring.