# ADR 0002: Moyasar As The Payment Gateway

## Status

Accepted

## Context

The platform needs a payment gateway that supports Saudi Arabia, SAR currency defaults, and local payment methods (e.g. STC Pay, Apple Pay, Samsung Pay). The backend already implements a `MoyasarGateway` integration and models `payments.Payment` with a `moyasar` provider option.

## Decision

Use Moyasar as the payment gateway for the MVP. Payment creation, capture, refund, and webhook reconciliation are implemented through `apps.payments.services.gateway.MoyasarGateway`.

## Consequences

- Supports KSA-focused payment methods and SAR by default.
- Operational dependency on Moyasar uptime and API stability.
- Payment flows and webhooks are tied to the Moyasar API surface until a gateway abstraction is expanded.

## Alternatives Considered

- Other regional gateways: deferred until the MVP is validated.
- Stripe or similar global providers: not selected for MVP due to KSA-specific coverage priorities.

## Related

- `backend/apps/payments/services/gateway.py`
- `docs/runbooks/payments_sanity_check.md`
- `docs/architecture.md`