# PAYMENT GATEWAY AUDIT — Phase 4

**Generated:** 2026-07-11 18:36:51  
**Evidence:** GatewayFactory resolve + interface reflection + Manual payment E2E + webhook HTTP

## Architecture

| Component | Status |
|-----------|--------|
| `PaymentGatewayInterface` | Present |
| `GatewayFactory` | Resolves lenco, stripe, manual, null, future (paystack→NullGateway) |
| `GatewayManager` | Resolves |
| `PaymentService` | Resolves; `confirmManual` / `allocate` / `verify` tested |
| `WebhookService` | Resolves; webhook endpoints return 400 on invalid payload |
| `TransactionService` | Resolves |

## Gateway implementations

| LencoPayGateway | Implements all interface methods |
| StripeGateway | Implements all interface methods |
| ManualGateway | Implements all interface methods |
| NullGateway | Implements all interface methods |

## Configuration

- `.env.example`: `LENCO_*`, `STRIPE_*` present
- `config/services.php`: `lenco`, `stripe` arrays present
- No hardcoded live secrets in gateway classes (regex scan PASS)
- Webhook signature validators present on Lenco + Stripe gateways
- CSRF exempt for webhook URIs (bootstrap)

## Live external API calls

**Not executed against Lenco/Stripe production or sandbox APIs** (no API keys configured in local `.env`).

Verified instead:

1. Abstraction resolves interchangeable gateways
2. Manual gateway `initiatePayment` returns array
3. Full payment→receipt→ledger workflow via `PaymentService::confirmManual`
4. Webhook HTTP endpoints exist and reject invalid payloads with 400

## Gateway factory fix

| Bug | Fix |
|-----|-----|
| `GatewayFactory::make('null')` threw `Unknown payment gateway` | Added `'null' => new NullGateway(...)` alias |

## Checks

Gateways section: 9/9 PASS (after fix)

## Verdict

**PASS** for architecture + manual payment path.  
**CONDITIONAL** for live Lenco/Stripe API: requires valid sandbox credentials in `.env` before production cutover.