Kazino platformalarynda POLi, PayID, bank geçirimleri we AUD goldawy

Giriş

Awstraliýaly oýunçylar ýerli töleg usullaryny has gowy görýärler: POLi, PayID/Osko arkaly NPP we adaty geçiriş banky, hemmesi AUD-da. Operator üçin üznüksiz integrasiýany, derrew gaýtadan işlemegi, düzgünlere laýyklygy we ygtybarly arhitekturany üpjün etmek möhümdir.

1. Töleg usullaryna syn

1. POLi Payments

OAuth-bank interfeýsi arkaly ulanyjynyň ygtyýarnamasy, kartsyz we goşmaça SMS-kodlarsyz.
Goýumlar üçin amatly serişdeleriň dessine hasaba alynmagy.

2. PayID/Osko (NPP)

Kesgitleýji (email, telefon) boýunça terjime etmek, NPP ulgam standarty sekundyň içinde hasaplamagy üpjün edýär.
"Australia's New Payments Platform" -y goldaýan PSP bilen integrasiýa talap edýär.

3. Bank geçirimi (BPAY/göni transfer)

BPAY: Biller Code we Customer Reference döretmek, töleg internet-bankda ulanyjy tarapyndan amala aşyrylýar; 24 sagada çenli hasaba almak
Göni AUD-transfer: SWIFT/IBAN geçirimi, uly möçberler üçin amatly, gaýtadan işlemegiň wagty 1-3 iş güni.

4. AUD walýutasy

AUD-daky ähli amallar: korretli görkezmek, bazada saklamak, sente çenli tegelemek ('DECIMAL (12.2)').

2. Integrasiýa arhitekturasy

```mermaid
flowchart LR

Player -->	initiate deposit	API-Gateway
API-Gateway --> PaymentService
PaymentService -->	init POLi	POLi-API
PaymentService -->	init PayID	PSP-API
PaymentService -->	generate BPAY	BillingService
POLi-API -->	webhook	PaymentService
PSP-API -->	webhook	PaymentService
BillingService -->	polling / webhook	PaymentService
PaymentService --> TransactionService
TransactionService --> AuditDB
```

API-Gateway: tassyklama, rate-limiting, PaymentService-e marşrut.
PaymentService: ähli AUD usullary üçin birleşdirilen nokat, 'paymentId', 'method', 'status', 'metadata' saklaýar.
BillingService: BPAY hasaplary we polling statuslary üçin modul.
TransactionService: ACID amallary balansy täzeleýär we amallary logirleýär.
AuditDB: Soraglaryň we jogaplaryň ýazgylarynyň üýtgemeýän ammary.

3. POLi

1. Başlamak:

```http
POST /api/payments/poli/init
{
"amount": 100. 00,
"currency": "AUD",
"returnUrl": "https: //casino. com/poli/callback"
}
```

→ `{ paymentId, poliUrl }`

2. Oýunçyny ugrukdyrmak:

Oýunçy 'poliUrl' -a ugrukdyrylýar, bankda ygtyýarnama berilýär, tölegi tassyklaýar.

3. Webhook gaýtadan işlemek:

```http
POST /api/payments/poli/callback
Headers: X-Signature
Body: { paymentId, status, bankTransactionId }
```

'X-Signature' boýunça HMAC barlagy.
'status': 'pending' → 'approved '/' declined' täzelenýär.
'approved' -de 'TransactionService' başlamak. credit(playerId, amount)`.

4. PayID/Osko

1. Başlamak:

```http
POST /api/payments/payid/init
{
"payId": "user@example. com",
"amount": 250. 00,
"currency": "AUD",
"Deskripshen": "Casino deposit"
}
```

→ `{ paymentId, transactionRef }`

2. Webhook habary:

PSP шлёт `POST /api/payments/payid/callback { paymentId, status }`.

Goluň şuňa meňzeş barlagy.
Statuslar: 'pending', 'settled', 'failed'.

5. BPAY we bank geçirimleriniň amala aşyrylmagy

1. BPAY hasaby:

```http
POST /api/payments/bpay/generate
{ "amount": 500. 00 }
```

→ `{ billerCode, customerRef, expiryDate }`

2. Polling statuslary:

`GET /api/payments/bpay/status? billerCode = & customerRef = 'her 15 minutda.
При `PAID` — update `approved`, credit funds.

3. Göni bank geçirimi:

UI-de hasap jikme-jikliklerini (SWIFT, BSB, Account) görkezmek.
Amallar el bilen ýa-da awtomatiki usulda SFTP arkaly incoming bank statements arkaly barlanýar.

6. Lokalizasiýa we UX

Formatlamak:

```js
new Intl. NumberFormat('en-AU', { style: 'currency', currency: 'AUD' }). format(1000)
// "A$1,000. 00"
```

UI:

Goýumdaky usuly saýlamak: POLi, PayID, BPAY, Bank Transfer nyşanlary.
Her usul boýunça möhletleriň we komissiýalaryň beýany.
Ilkinji girmezden ozal tassyklamak: KYC/AML.

7. Howpsuzlyk we şowsuzlyga çydamlylyk

8. Synag

Sandbox usullary:

POLi: `poli. sandbox. domain 'galp bellikler bilen' test _ user '.
PSP: PayID üpjün edijilerinde synag kreddleri.
E2E-synaglar (Cypress): ssenariler: başlamak → emulirlemek callback → balansyny barlamak.
Load Testing (k6): POLi we PayID usuly bilen 1000 concurrent goýumlaryna öýkünmek.

Netije