Merge pull request 'release: promote development → master (v1.21.0)' (#272) from development into master

2026-07-14 20:29:04 +00:00
parent 39e03d22e4 b5fe61279b
commit e836dfefba
82 changed files with 1308 additions and 106 deletions
@@ -3,7 +3,7 @@
 # a PR. It builds the native-flavoured SPA, bundles the offline dictionaries into the APK assets, and
 # assembles a release APK, uploaded as a run artifact (RuStore upload stays manual for the MVP).
 #
-# Signing degrades gracefully: with the ANDROID_KEYSTORE_* secrets present the APK is signed; without
+# Signing degrades gracefully: with the ANDROID_RUSTORE_* secrets present the APK is signed; without
 # them build.gradle produces an UNSIGNED release APK (so a dry run still proves the whole pipeline).
 # The keystore is a publication prerequisite — see deploy/README.md (Android build/release runbook).
 # The toolchain is self-provisioned here (JDK 21 + a cached Android SDK), so the runner host needs
@@ -144,7 +144,7 @@ jobs:
      - name: Decode the release keystore
        id: keystore
        env:
-          ANDROID_KEYSTORE_BASE64: ${{ secrets.ANDROID_KEYSTORE_BASE64 }}
+          ANDROID_KEYSTORE_BASE64: ${{ secrets.ANDROID_RUSTORE_KEYSTORE_BASE64 }}
        run: |
          if [ -n "$ANDROID_KEYSTORE_BASE64" ]; then
            printf '%s' "$ANDROID_KEYSTORE_BASE64" | base64 -d > "${GITHUB_WORKSPACE}/release.jks"
@@ -152,16 +152,16 @@ jobs:
            echo "keystore decoded -> signed release build"
          else
            echo "file=" >> "$GITHUB_OUTPUT"
-            echo "::warning::ANDROID_KEYSTORE_BASE64 is not set — building an UNSIGNED release APK (not installable/publishable)"
+            echo "::warning::ANDROID_RUSTORE_KEYSTORE_BASE64 secret is not set — building an UNSIGNED release APK (not installable/publishable)"
          fi

      - name: Assemble the release APK
        working-directory: ui/android
        env:
          ANDROID_KEYSTORE_FILE: ${{ steps.keystore.outputs.file }}
-          ANDROID_KEYSTORE_PASSWORD: ${{ secrets.ANDROID_KEYSTORE_PASSWORD }}
-          ANDROID_KEY_ALIAS: ${{ secrets.ANDROID_KEY_ALIAS }}
-          ANDROID_KEY_PASSWORD: ${{ secrets.ANDROID_KEY_PASSWORD }}
+          ANDROID_KEYSTORE_PASSWORD: ${{ secrets.ANDROID_RUSTORE_KEYSTORE_PASSWORD }}
+          ANDROID_KEY_ALIAS: ${{ secrets.ANDROID_RUSTORE_KEY_ALIAS }}
+          ANDROID_KEY_PASSWORD: ${{ secrets.ANDROID_RUSTORE_KEY_PASSWORD }}
        run: ./gradlew assembleRelease -PversionCode=${{ steps.prep.outputs.code }} -PversionName=${{ steps.prep.outputs.name }} --console=plain

      - name: Upload the APK artifact
@@ -62,19 +62,20 @@ client-only (no server change).

 Kept current as parts land so a fresh session resumes without re-deriving. Verify against code.

-> ### ▶ RESUME HERE — 2026-07-13 (documents track + release-prep)
+> ### ▶ RESUME HERE — 2026-07-14 (keystore secrets set; payments landed; gate = RuStore account + merge/tag)
 >
-> **Where we are.** The legal-documents track, the release-prep hygiene, **and the icon rebrand** are
-> DONE. The RuStore release is now gated on **owner-side** items only (keystore, RuStore account) plus
-> the merge/tag chain. Do not re-do or re-litigate the finished work; do not re-ask the locked decisions.
+> **Where we are.** The legal-documents track, the release-prep hygiene, the icon rebrand **and the
+> release keystore** are DONE (the keystore + its Gitea secrets set by the owner — see below). The
+> RuStore MVP is now gated on **one owner-side item** — the **RuStore developer account** (owner going
+> ИП; RuStore updated its requirements) — plus the agent's **promote/tag → signed-build** chain. Also
+> landed on `development` since: the payments **E10 multi-shop split** (#266) + **E11 kill switch**
+> (#267), both dormant / fail-open (no bearing on the Android build), and the signing-secret rename
+> `ANDROID_*` → **`ANDROID_RUSTORE_*`** (#268). Do not re-do the finished work or re-ask the locked
+> decisions.
 >
-> **Branches / PRs (current working branch: `feature/android-release-prep`).**
-> - `development` — has the **legal-documents track**, merged via **PR #253** (green, deployed to the
->   test contour). `/privacy/`, `/eula/`, `/offer/` are live there, bilingual RU/EN.
-> - `feature/android-release-prep` — the **release-prep hygiene**, **PR #254 OPEN, green, NOT merged**
->   (the owner chose to hold the merge). It is branched off `development`, so it also contains the
->   legal-documents track. Merge #254 into `development` when ready — needs **owner approval** (the
->   agent cannot self-approve).
+> **Branches / PRs.** All merged to `development` (contour-green): legal documents (#253); release-prep
+> hygiene + the re-enabled `android-build` workflow (#254); the payments E10/E11 (#266/#267); the
+> signing-secret rename (#268). No open Android branch.
 >
 > **Done this session.**
 > - **Legal documents** (satisfies the RuStore *hosted privacy-policy URL* prerequisite): authored
@@ -113,12 +114,12 @@ Kept current as parts land so a fresh session resumes without re-deriving. Verif
 > 2. **Merge PR #254** → `development` (owner approval), then **promote `development` → `master`** and
 >    **tag `vX.Y.Z`** for the release (the version stamps the APK `versionName`/`versionCode` and the
 >    `X-Client-Version` header).
-> 3. **Release keystore.** OWNER generates it (`keytool -genkeypair -v -keystore erudit-release.jks
->    -alias erudit -keyalg RSA -keysize 4096 -validity 10000`), base64-encodes it, sets the four Gitea
->    **secrets** `ANDROID_KEYSTORE_BASE64` / `ANDROID_KEYSTORE_PASSWORD` / `ANDROID_KEY_ALIAS` /
->    `ANDROID_KEY_PASSWORD`, and backs the `.jks` up **off-host** (loss ⇒ the app can never be updated).
->    The AGENT provides the exact commands on request. Without the secrets the workflow builds an
->    UNSIGNED APK (a dry run still proves the pipeline).
+> 3. **Release keystore — DONE (owner, 2026-07-14).** `erudit-release.jks` (RSA 4096, alias `erudit`,
+>    PKCS12) generated + backed up off-host; the four Gitea secrets are set under the RuStore-specific
+>    names `ANDROID_RUSTORE_KEYSTORE_BASE64` / `ANDROID_RUSTORE_KEYSTORE_PASSWORD` /
+>    `ANDROID_RUSTORE_KEY_ALIAS` / `ANDROID_RUSTORE_KEY_PASSWORD` (loss ⇒ the app can never be updated —
+>    the cert is pinned at the first RuStore upload). Google Play, later, would use its own
+>    `ANDROID_PLAY_*` upload key (Play App Signing) — a separate key.
 > 4. **RuStore developer account.** OWNER (verified legal entity or self-employed / самозанятый). Gates
 >    publication, not the build.
 > 5. **Dispatch the signed build.** AGENT: on `master`, dispatch `android-build` (`confirm=build`) via
@@ -132,6 +133,16 @@ Kept current as parts land so a fresh session resumes without re-deriving. Verif
 > 8. **Upload to RuStore.** OWNER. After publication, set the `ANDROID_RUSTORE_URL` Gitea variable to
 >    the store deep-link so the update button works on future gated releases (empty until then — the
 >    gate is dormant in the MVP).
+>
+> **Next tracks (design in a future session — interview the owner first).**
+> - **Native notifications (push).** Promote FCM/push from "Out of scope" to a real track: a Capacitor
+>   push plugin, the Android send path (FCM — but **check RuStore's own push service vs FCM on RuStore
+>   devices**, since Google Play Services may be absent), token registration, and reusing the existing
+>   server notification dispatcher. Owner will bring specifics.
+> - **A test APK for the emulator** (owner asked): the signed APK comes from `android-build` (needs the
+>   promote/tag chain, step 2). A quick **debug** APK is buildable without the release chain if the host
+>   has the Android SDK + JDK 21 (`pnpm build` → `cap sync` → `assembleDebug`).
+> - Possibly other native polish (owner to flag).

 - **A. Capacitor scaffolding — ✅ DONE & verified (2026-07-12).** Capacitor 8 native project generated
  under `ui/android/` (tracked), `@capacitor/*` deps + `capacitor.config.ts`, hardware Back in
@@ -39,10 +39,13 @@ status — without re-deriving decisions.
 | E7 | Admin, reports & catalog | 2 | DONE |
 | E8 | Guest limits | — | DONE |
 | E9 | Tournament fee | future | TODO |
+| E10 | Multi-shop direct rail + ИП fiscalization | 2+ | DONE |
+| E11 | Payment availability kill switch + per-account override | 2 | DONE |

 **Release 1** = full mechanics with no real money, exercised via `admin_grant` (E0→E1→E2→E3).
 **Release 2** = money (E4→E5→E6→E7). E8 is standalone (game-behaviour change, can run in
-parallel). E9 is future.
+parallel). E9 is future. E10 splits the `direct` rail into per-channel Robokassa shops + ИП
+fiscalization (post-launch, backend-first).

 ---

@@ -892,6 +895,123 @@ tournament-entry storage + pricing design.

 ---

+## E10 — Multi-shop direct rail + ИП fiscalization
+
+**Status:** DONE (merged — the multi-shop PR) · **Release 2+ (post-launch, backend-first)** · depends on: E5 (intake/`Fund`,
+the `robokassa` adapter, the Result callback), E7 (the per-user report — channel breakdown) ·
+mechanics: PAYMENTS §9, §12; decisions D41 (rev), D42–D44.
+
+**Goal.** Split the single Robokassa `direct` rail into **per-channel merchant shops** (web,
+android; ios later) — separate merchant accounts / withdrawal / accounting and a per-channel
+breakdown in the E7 report — while keeping **one `direct` wallet** (D42). Land the wallet/identity
+rules the native apps need (email-only anchor, D43) and revise fiscalization for the owner's move
+to **ИП / 54-ФЗ** (D41 rev). All **additive / contour-safe** and **money-live** → expand-contract
+throughout.
+
+**Locked decisions (owner interview 2026-07-14): D41 (rev), D42, D43, D44.** No wallet-model /
+spend-wall change; the split is merchant-account routing under one `direct` segment. Route the shop
+by the **trusted** `X-Platform` subtype, never a client field; unknown → `web`.
+
+**B1 — Config: one shop → a set of shops.**
+
+- `robokassa.Config` (single) → a **shops registry** keyed by channel (`web`, `android`; `ios`
+  later), each 4 fields (`MerchantLogin`/`Password1`/`Password2`/`IsTest`). New env
+  `BACKEND_ROBOKASSA_WEB_*`, `BACKEND_ROBOKASSA_ANDROID_*`.
+- **Expand-contract, no flag-day:** the legacy `BACKEND_ROBOKASSA_*` seeds the `web` shop; add the
+  new vars; retire the legacy set after the prod rollout sets the split vars. `validate()`: a shop
+  with a login must carry both passwords (mirror the current check), per shop.
+- Config/README + `deploy/.env.example` + the deploy ansible vars.
+
+**B2 — Route the shop by channel (intake).**
+
+- `handleWalletOrder` `SourceDirect` branch: pick the shop by `cxt.Subtype` (`web`/`android`;
+  unknown → `web`). Build the payment request from that shop. The subtype rides the trusted
+  gateway-injected `X-Platform` (`<kind>/<subtype>`, `parsePlatformHeader`) — no spoofable client
+  field. **Verify the gateway emits `direct/android` for the native build**; if it sends a bare
+  `direct/`, add the android subtype (small gateway change).
+- Record the chosen `shop` on the order (feeds B5).
+
+**B3 — Per-shop Result callbacks.**
+
+- The callback must select the right `Password2` → each shop gets its own Result URL:
+  **per-shop public edge routes** (mirror the existing single Robokassa Result route, e.g.
+  `…/result/web`, `…/result/android`), each forwarded to the backend and verified with that shop's
+  config, then the same `Fund` (source stays `direct`). Add the routes to the **Caddyfile
+  `@gateway` matcher** (else they fall to the landing catch-all) **+ a CI probe per route**.
+- Keep the legacy single route alive (shop = `web`) through the expand-contract window until the
+  cabinet Result URLs are cut over.
+
+**B4 — ИП fiscalization (D41 rev) — RESOLVED (owner 2026-07-14): cabinet-side only.** The owner keeps
+Robokassa's cabinet auto-fiscalization (a generic чек is acceptable for the ИП); the optional
+itemized-`Receipt` / `Email` code below is **dropped** — not needed. (Kept for context.)
+
+- **Owner/cabinet:** enable the 54-ФЗ cloud kassa in the Robokassa ЛКК (kassa + ОФД + СНО).
+  Required for ИП regardless of code.
+- **Code (optional, itemized чеки):** send a one-line `Receipt` (pack name, qty 1, `sum`, `tax`
+  per СНО, `payment_object`/`payment_method`) + the customer `Email` (the D36 confirmed anchor) in
+  the payment request; extend the signature to `MerchantLogin:OutSum:InvId:Receipt:Password1`
+  (URL-encode `Receipt`). One line fits the current GET redirect; POST-form only as a URL-length
+  fallback. One feature, all shops. **Sequenced last** — the split (B1–B3, B5, B6) needs no
+  fiscalization. Supersedes the E5 §12 shop-side НПД receipt note.
+
+**B5 — Channel in the report (D44).**
+
+- Additive `shop` column on the order (default `web` / backfill from `origin`); a per-channel
+  breakdown in the E7 per-user report (D40). Expand-contract migration (nullable/defaulted column),
+  **contour-safe** (a schema touch → note the contour `DROP SCHEMA` step in `PRERELEASE.md`).
+
+**B6 — Tests + docs.**
+
+- unit: the `robokassa` shops registry + per-shop `VerifyResult` (right `Password2`);
+  signature-with-`Receipt` (B4); intake shop routing by subtype (web/android/unknown→web).
+- integration: order→per-shop callback→credit (each route), a duplicate credits once, an expired
+  order still honoured; the `shop` recorded + reported.
+- docs: `PAYMENTS.md` (+`_ru`) the multi-shop topology + the ИП/54-ФЗ receipt revision;
+  `deploy/README` + `.env.example` the new vars + the per-shop Result routes + probes;
+  `PRERELEASE.md` the `shop` column contour step.
+
+**Done-criteria.** A `direct/web` order pays through the web shop and `direct/android` through the
+android shop, each verified with its own `Password2`, both crediting one `direct` wallet exactly
+once; the E7 report breaks payments down by channel; the split stays contour-safe (the legacy shop
+still works until the cabinet cutover). B4 (fiscalization) verified when the owner's ИП/ОФД/СНО are
+live.
+
+**Notes/risks.** Edge routes fall through if not in the Caddyfile `@gateway` matcher — add a CI
+probe (field note). The prod rolling deploy skips caddy on config-only changes — force-recreate on a
+Caddyfile change. Money-live: expand-contract only, image rollback DB-safe. Confirm the gateway
+emits `direct/android` for the native build before relying on subtype routing.
+
+---
+
+## E11 — Payment availability kill switch + per-account override
+
+**Status:** DONE · **Release 2** · depends on: E5 (intake/order), E7 (admin console) · mechanics:
+PAYMENTS §9; decisions D45, D46.
+
+**Delivered.** An operator disables purchases live from `/_gm` — a whole rail/channel or one account
+— and the user sees a localized reason on the next purchase attempt. Motivation (owner): real apps
+show broken payments with no explanation; this gives ops a live switch + a clear user message.
+
+- **Rail kill switch** — `payments.rail_status` (per rail `direct:web` / `direct:android` / `vk` /
+  `telegram`): `enabled` + a per-language message, edited on the catalog page. **Fail-open** (no row
+  ⇒ enabled, so payments are never accidentally killed). The intake gate — `CanPurchase` in
+  `handleWalletOrder`, before the order — returns `payment_unavailable` + the localized message;
+  orthogonal to the security gates.
+- **Per-account override** — `payments.account_payment_override` (a row only for non-default; default
+  = no row, cleared by delete): allow / deny / default, edited on the user card. `allow` bypasses
+  **only** the ops rail switch, never the security gates (D46).
+- **Wire** — the message rides an additive `ExecuteResponse.message` (envelope layer,
+  frozen-contract-safe; the gateway forwards a backend domain-error message via `DomainMessage`); the
+  client reads it into `GatewayError.message` and shows it on a `payment_unavailable` buy attempt.
+- **Tests** — the pure gate `PurchaseGate` (unit, TDD); the store + gate + override end-to-end
+  (integration, migration `00016`); the client (svelte-check / vitest). **Docs** — PAYMENTS (+`_ru`),
+  decisions D45 / D46.
+
+**Contour-safe:** additive migration (two new tables, no wipe); the wire add is additive; fail-open,
+so nothing is disabled until an operator acts.
+
+---
+
 ## Verification & CI (all stages)

 - Per-stage tests at the layers above; **compliance-gate regression is mandatory** (a
@@ -19,6 +19,11 @@ const uri = p => 'data:image/png;base64,' + readFileSync(p).toString('base64');
 const BG = uri(join(ROOT, 'ui', 'assets', 'icon-background.png'));
 const FG = uri(join(ROOT, 'ui', 'assets', 'icon-foreground.png'));
 const MONO = uri(join(DIR, 'android-monochrome.png'));
+// The full-bleed master (square tile + master mark) — the legacy SQUARE launcher (API < 26)
+// uses it so old Android shows a large mark rather than the safe-zone foreground shrunk into
+// the middle. The round legacy icon keeps the safe-zone composite (a round mask would clip
+// the master's corner ✻).
+const MASTER = uri(join(ROOT, 'ui', 'assets', 'icon.png'));

 // density: [adaptive-layer px (108 dp), legacy launcher px (48 dp)]
 const D = { ldpi: [81, 36], mdpi: [108, 48], hdpi: [162, 72], xhdpi: [216, 96], xxhdpi: [324, 144], xxxhdpi: [432, 192] };
@@ -38,8 +43,9 @@ for (const [d, [fg, lg]] of Object.entries(D)) {
  writeFileSync(join(dir, 'ic_launcher_background.png'), await shot(im(BG, fg), fg, false));
  writeFileSync(join(dir, 'ic_launcher_foreground.png'), await shot(im(FG, fg), fg, true));
  writeFileSync(join(dir, 'ic_launcher_monochrome.png'), await shot(im(MONO, fg), fg, true));
-  const comp = `<div style="position:relative;width:${lg}px;height:${lg}px">${im(BG, lg)}<div style="position:absolute;inset:0">${im(FG, lg)}</div></div>`;
-  writeFileSync(join(dir, 'ic_launcher.png'), await shot(comp, lg, false));
+  // Square launcher: the full-bleed master (large mark). Round launcher: the safe-zone
+  // composite, circle-clipped (the master's corner ✻ would be clipped by the round mask).
+  writeFileSync(join(dir, 'ic_launcher.png'), await shot(im(MASTER, lg), lg, false));
  const round = `<div style="width:${lg}px;height:${lg}px;border-radius:50%;overflow:hidden;position:relative">${im(BG, lg)}<div style="position:absolute;inset:0">${im(FG, lg)}</div></div>`;
  writeFileSync(join(dir, 'ic_launcher_round.png'), await shot(round, lg, true));
  console.log('mipmap-' + d, 'ok');
@@ -33,8 +33,12 @@ const SHADE = 0.15;                   // black, this alpha bottom-left -> transp
 // The mark, placed for the standalone master (bottom-right biased, full-bleed):
 const MASTER = { lh: 0.6055, lc: [0.4814, 0.4922], sd: 0.1729, sc: [0.7881, 0.7881] };
 // The mark, placed for the Android foreground layer (centred-ish inside the 61% safe
-// zone, nudged right 8% / down 3% for optical balance under the round mask; smaller ✻):
-const FOREGROUND = { lh: 0.5391, lc: [0.5234, 0.4951], sd: 0.1318, sc: [0.7627, 0.7266] };
+// zone, nudged right 8% / down 3% for optical balance under the round mask; smaller ✻).
+// Every value is the earlier placement scaled 0.75 about the icon centre (0.5, 0.5): the
+// whole mark is 25% smaller, its «Э»↔✻ arrangement unchanged, so the ✻ that used to graze
+// the round mask now sits well inside the safe zone. Round-mask launchers (adaptive + the
+// legacy round icon) get more breathing room; the full-bleed master is untouched.
+const FOREGROUND = { lh: 0.4043, lc: [0.5176, 0.4963], sd: 0.0989, sc: [0.6970, 0.6700] };

 const PALETTE = {
  light: { wood: '#e6b053', ink: '#5a3a12', grain: '#d8a54e' },
@@ -30,6 +30,18 @@
 <div><button type="submit">Save</button></div>
 </form>
 </section>
+<section class="panel"><h2>Payment availability (kill switch)</h2>
+<p class="note">Turn purchases off on a rail/channel and show the user a localized reason on their next attempt. Unchecked = off; an empty message shows a built-in &ldquo;temporarily unavailable&rdquo;. Fail-open: a rail you never touch stays on. A per-user &ldquo;allow&rdquo; override (on a user card) bypasses this switch.</p>
+{{range .Rails}}
+<form class="form col" method="post" action="/_gm/catalog/rail-status">
+<input type="hidden" name="rail" value="{{.Rail}}">
+<label><input type="checkbox" name="enabled" {{if .Enabled}}checked{{end}}> <code>{{.Rail}}</code> &mdash; purchases enabled</label>
+<label>Message RU <input type="text" name="message_ru" maxlength="200" value="{{.MessageRU}}"></label>
+<label>Message EN <input type="text" name="message_en" maxlength="200" value="{{.MessageEN}}"></label>
+<div><button type="submit">Save</button></div>
+</form>
+{{end}}
+</section>
 <section class="panel"><h2>Products</h2>
 <p class="note">Showing {{if .ShowAll}}<strong>all</strong> products (active + archived) — <a href="/_gm/catalog">active only</a>{{else}}<strong>active</strong> products — <a href="/_gm/catalog?all=1">show all (incl. archived)</a>{{end}}.</p>
 <table class="list">
@@ -72,14 +72,24 @@
 {{if or .Finance.Abuse .Finance.Loss}}<li><b>Refund risk</b> <span class="warn">{{if .Finance.Abuse}}abuse-flagged{{end}}{{if .Finance.Loss}} · loss {{.Finance.Loss}} chips{{end}}</span></li>{{end}}
 </ul>
 {{else}}<p class="note">no balances or benefits</p>{{end}}
+<h3>Payment override</h3>
+<form class="form" method="post" action="/_gm/users/{{.ID}}/purchase-override">
+<label>Purchases for this account
+<select name="override">
+<option value="default" {{if eq .PurchaseOverride "default"}}selected{{end}}>Default (follow the rail switch)</option>
+<option value="allow" {{if eq .PurchaseOverride "allow"}}selected{{end}}>Always allow (bypasses the rail switch only, not security)</option>
+<option value="deny" {{if eq .PurchaseOverride "deny"}}selected{{end}}>Always deny</option>
+</select></label>
+<div><button type="submit">Save</button></div>
+</form>
 <h3>Ledger</h3>
 {{$uid := .ID}}
 {{if .Finance.Ledger}}
 <table class="list">
-<thead><tr><th>Time</th><th>Kind</th><th>Source</th><th>Origin</th><th>Chips</th><th>Order</th><th>Provider</th><th>Detail</th><th></th></tr></thead>
+<thead><tr><th>Time</th><th>Kind</th><th>Source</th><th>Origin</th><th>Chips</th><th>Order</th><th>Provider</th><th>Shop</th><th>Detail</th><th></th></tr></thead>
 <tbody>
 {{range .Finance.Ledger}}
-<tr><td>{{.At}}</td><td>{{.Kind}}</td><td>{{.Source}}</td><td>{{.Origin}}</td><td>{{.ChipsDelta}}</td><td>{{if .Order}}<code>{{.Order}}</code>{{end}}</td><td>{{.Provider}}</td><td>{{if .Snapshot}}<code>{{.Snapshot}}</code>{{end}}</td>
+<tr><td>{{.At}}</td><td>{{.Kind}}</td><td>{{.Source}}</td><td>{{.Origin}}</td><td>{{.ChipsDelta}}</td><td>{{if .Order}}<code>{{.Order}}</code>{{end}}</td><td>{{.Provider}}</td><td>{{.Shop}}</td><td>{{if .Snapshot}}<code>{{.Snapshot}}</code>{{end}}</td>
 <td>{{if and (eq .Kind "fund") .Order}}<form class="form" method="post" action="/_gm/users/{{$uid}}/refund" onsubmit="return confirm('Refund this order in full? Record the money refund on the rail first; this revokes the chips (floored at 0).')"><input type="hidden" name="order_id" value="{{.Order}}"><button type="submit">Refund</button></form>{{end}}</td></tr>
 {{end}}
 </tbody>
@@ -198,6 +198,9 @@ type UserDetailView struct {
 	// Finance is the account's payments picture (balances, benefits, refund risk, ledger). Present
 	// is false when the payments domain is unwired.
 	Finance FinanceView
+	// PurchaseOverride is the account's per-account purchase override ("default"/"allow"/"deny"),
+	// shown in and edited from the user card's payment-override control.
+	PurchaseOverride string
 	// Grant is the admin-grant panel (origin picker + grantable products). Present is false when the
 	// payments domain is unwired.
 	Grant GrantFormView
@@ -232,8 +235,8 @@ type BenefitRow struct {
 }

 // LedgerRow is one append-only ledger entry: its kind, funding source / benefit origin, signed chip
-// delta, the product / order / provider it references (empty when none), the raw snapshot JSON and
-// the pre-formatted time.
+// delta, the product / order / provider / direct-rail shop it references (empty when none), the raw
+// snapshot JSON and the pre-formatted time.
 type LedgerRow struct {
 	Kind       string
 	Source     string
@@ -242,6 +245,7 @@ type LedgerRow struct {
 	Product    string
 	Order      string
 	Provider   string
+	Shop       string
 	Snapshot   string
 	At         string
 }
@@ -686,6 +690,18 @@ type CatalogView struct {
 	RewardPayout    int
 	RewardDailyCap  int
 	RewardHourlyCap int
+	// Rails is the per-rail operational kill-switch state (enabled + per-language off-message), shown
+	// in and edited from the page's payment-availability form.
+	Rails []RailStatusRow
+}
+
+// RailStatusRow is one payment rail's operational availability in the kill-switch editor: the rail
+// key, whether purchases are enabled, and the operator's per-language off-message shown to the user.
+type RailStatusRow struct {
+	Rail      string
+	Enabled   bool
+	MessageRU string
+	MessageEN string
 }

 // ProductRow is one product in the catalog list: its composition, prices, the archived flag
@@ -65,9 +65,9 @@ type Config struct {
 	// RendererURL is the base URL of the internal image-render sidecar (e.g.
 	// http://renderer:8090). Empty disables the PNG export artifact.
 	RendererURL string
-	// Robokassa configures the direct-rail (RUB) payment provider. An empty MerchantLogin
-	// leaves the direct order and Result-callback endpoints unregistered.
-	Robokassa robokassa.Config
+	// Robokassa configures the direct-rail (RUB) payment provider — one merchant shop per channel
+	// (D42). An empty set leaves the direct order and Result-callback endpoints unregistered.
+	Robokassa robokassa.Shops
 }

 // Defaults applied when the corresponding environment variable is unset.
@@ -157,11 +157,19 @@ func Load() (Config, error) {
 		AdminTo:   os.Getenv("BACKEND_ADMIN_EMAIL"),
 	}

-	robo := robokassa.Config{
-		MerchantLogin: os.Getenv("BACKEND_ROBOKASSA_MERCHANT_LOGIN"),
-		Password1:     os.Getenv("BACKEND_ROBOKASSA_PASSWORD1"),
-		Password2:     os.Getenv("BACKEND_ROBOKASSA_PASSWORD2"),
-		IsTest:        os.Getenv("BACKEND_ROBOKASSA_TEST") == "1",
+	// Robokassa direct rail: one merchant shop per channel (D42). The legacy single-shop vars seed
+	// the web channel so existing deploys keep working; the per-channel vars add the rest. A shop
+	// with no MerchantLogin is dropped (the rail stays dormant when none is configured).
+	shops := robokassa.Shops{}
+	web := robokassaShop("BACKEND_ROBOKASSA_WEB")
+	if web.MerchantLogin == "" {
+		web = robokassaShop("BACKEND_ROBOKASSA") // legacy single-shop credentials seed the web channel
+	}
+	if web.MerchantLogin != "" {
+		shops[robokassa.ChannelWeb] = web
+	}
+	if android := robokassaShop("BACKEND_ROBOKASSA_ANDROID"); android.MerchantLogin != "" {
+		shops[robokassa.ChannelAndroid] = android
 	}

 	c := Config{
@@ -181,7 +189,7 @@ func Load() (Config, error) {
 		GuestRetention:    guestRetention,
 		ExportSignKey:     os.Getenv("BACKEND_EXPORT_SIGN_KEY"),
 		RendererURL:       os.Getenv("BACKEND_RENDERER_URL"),
-		Robokassa:         robo,
+		Robokassa:         shops,
 	}
 	if err := c.validate(); err != nil {
 		return Config{}, err
@@ -234,8 +242,10 @@ func (c Config) validate() error {
 			return fmt.Errorf("config: BACKEND_PUBLIC_BASE_URL %q must be an absolute URL (scheme://host)", c.PublicBaseURL)
 		}
 	}
-	if c.Robokassa.MerchantLogin != "" && (c.Robokassa.Password1 == "" || c.Robokassa.Password2 == "") {
-		return fmt.Errorf("config: BACKEND_ROBOKASSA_PASSWORD1 and BACKEND_ROBOKASSA_PASSWORD2 must be set when BACKEND_ROBOKASSA_MERCHANT_LOGIN is")
+	for channel, shop := range c.Robokassa {
+		if shop.Password1 == "" || shop.Password2 == "" {
+			return fmt.Errorf("config: robokassa shop %q: password1 and password2 must be set when its merchant login is", channel)
+		}
 	}
 	return nil
 }
@@ -276,3 +286,15 @@ func envDuration(key string, fallback time.Duration) (time.Duration, error) {
 	}
 	return d, nil
 }
+
+// robokassaShop reads a Robokassa shop's four credentials from the environment under prefix (e.g.
+// "BACKEND_ROBOKASSA_WEB" → _MERCHANT_LOGIN / _PASSWORD1 / _PASSWORD2 / _TEST). A missing
+// MerchantLogin yields a zero Config the caller drops.
+func robokassaShop(prefix string) robokassa.Config {
+	return robokassa.Config{
+		MerchantLogin: os.Getenv(prefix + "_MERCHANT_LOGIN"),
+		Password1:     os.Getenv(prefix + "_PASSWORD1"),
+		Password2:     os.Getenv(prefix + "_PASSWORD2"),
+		IsTest:        os.Getenv(prefix+"_TEST") == "1",
+	}
+}
@@ -0,0 +1,83 @@
+//go:build integration
+
+package inttest
+
+import (
+	"context"
+	"testing"
+
+	"github.com/google/uuid"
+
+	"scrabble/backend/internal/payments"
+)
+
+// TestPaymentAvailabilityKillSwitch exercises the per-rail kill switch + the per-account override
+// end-to-end against Postgres: fail-open, a disabled rail with a localized message, per-rail
+// granularity, and the allow/deny/default overrides.
+func TestPaymentAvailabilityKillSwitch(t *testing.T) {
+	ctx := context.Background()
+	svc := newPaymentsService()
+	acc := uuid.New()
+
+	// Fail-open: an untouched rail is enabled.
+	if ok, _, err := svc.CanPurchase(ctx, acc, payments.RailDirectWeb, "en"); err != nil || !ok {
+		t.Fatalf("fail-open: CanPurchase = %v/%v, want true", ok, err)
+	}
+
+	// Disable the web rail with a per-language message → blocked with that message, localized.
+	if err := svc.SetRailStatus(ctx, payments.RailDirectWeb, payments.RailAvailability{MessageRU: "Чиним", MessageEN: "Fixing"}); err != nil {
+		t.Fatalf("set rail status: %v", err)
+	}
+	if ok, reason, err := svc.CanPurchase(ctx, acc, payments.RailDirectWeb, "ru"); err != nil || ok || reason != "Чиним" {
+		t.Fatalf("disabled rail (ru): CanPurchase = %v/%q/%v, want false/Чиним", ok, reason, err)
+	}
+	if ok, reason, _ := svc.CanPurchase(ctx, acc, payments.RailDirectWeb, "en"); ok || reason != "Fixing" {
+		t.Fatalf("disabled rail (en): = %v/%q, want false/Fixing", ok, reason)
+	}
+	// Per-rail granularity: another rail stays enabled.
+	if ok, _, _ := svc.CanPurchase(ctx, acc, payments.RailDirectAndroid, "en"); !ok {
+		t.Fatalf("android rail should stay enabled")
+	}
+
+	// A per-account "allow" override bypasses the disabled rail.
+	if err := svc.SetPurchaseOverride(ctx, acc, payments.OverrideAllow); err != nil {
+		t.Fatalf("set override allow: %v", err)
+	}
+	if ok, _, _ := svc.CanPurchase(ctx, acc, payments.RailDirectWeb, "en"); !ok {
+		t.Fatalf("allow override should bypass the disabled rail")
+	}
+	if ov, err := svc.PurchaseOverrideFor(ctx, acc); err != nil || ov != payments.OverrideAllow {
+		t.Fatalf("PurchaseOverrideFor = %v/%v, want allow", ov, err)
+	}
+
+	// A "deny" override blocks even an enabled rail.
+	if err := svc.SetPurchaseOverride(ctx, acc, payments.OverrideDeny); err != nil {
+		t.Fatalf("set override deny: %v", err)
+	}
+	if ok, reason, _ := svc.CanPurchase(ctx, acc, payments.RailDirectAndroid, "en"); ok || reason == "" {
+		t.Fatalf("deny override should block the enabled android rail with a reason, got %v/%q", ok, reason)
+	}
+
+	// Clearing the override (default) restores rail-driven behaviour.
+	if err := svc.SetPurchaseOverride(ctx, acc, payments.OverrideDefault); err != nil {
+		t.Fatalf("clear override: %v", err)
+	}
+	if ov, _ := svc.PurchaseOverrideFor(ctx, acc); ov != payments.OverrideDefault {
+		t.Fatalf("after clear, override = %v, want default", ov)
+	}
+	if ok, _, _ := svc.CanPurchase(ctx, acc, payments.RailDirectAndroid, "en"); !ok {
+		t.Fatalf("after clearing override, android rail should be enabled again")
+	}
+
+	// RailStatuses reflects the stored web-rail change and fills the rest fail-open.
+	all, err := svc.RailStatuses(ctx)
+	if err != nil {
+		t.Fatalf("rail statuses: %v", err)
+	}
+	if all[payments.RailDirectWeb].Enabled {
+		t.Fatalf("web rail should read disabled")
+	}
+	if !all[payments.RailVK].Enabled {
+		t.Fatalf("untouched vk rail should read enabled")
+	}
+}
@@ -0,0 +1,107 @@
+package payments
+
+import "slices"
+
+// PurchaseOverride is a per-account purchase override that forces purchases allowed or denied for
+// one account regardless of the operational rail switch, or is absent (OverrideDefault) when the
+// account follows the rail switch. The zero value is OverrideDefault, so a missing override row maps
+// to it. OverrideAllow bypasses ONLY the operational rail switch — never the security / compliance
+// gates (trusted platform, the D36 email anchor, the VK-iOS spend freeze, the min client version),
+// which CreateOrder enforces separately.
+type PurchaseOverride int
+
+const (
+	// OverrideDefault follows the rail switch (no override row for the account).
+	OverrideDefault PurchaseOverride = iota
+	// OverrideAllow always allows the purchase, bypassing only the operational rail switch.
+	OverrideAllow
+	// OverrideDeny always denies the purchase for the account.
+	OverrideDeny
+)
+
+// RailAvailability is a payment rail's operational availability: whether purchases are enabled and,
+// when disabled, the operator's explanation in each language, shown to the user on a purchase
+// attempt. A rail with no status row is treated as enabled (fail-open — see the store), so the
+// zero value is never used as a live "enabled" default.
+type RailAvailability struct {
+	Enabled   bool
+	MessageRU string
+	MessageEN string
+}
+
+// PurchaseGate decides whether an account may open a purchase order on a rail, from the per-account
+// override and the rail's operational availability. It is the operational layer only — the caller
+// still enforces the security gates. On a block it returns a reason localized to lang ("ru", else
+// English). Fail-open: OverrideDefault on an enabled rail allows.
+func PurchaseGate(override PurchaseOverride, rail RailAvailability, lang string) (ok bool, reason string) {
+	switch override {
+	case OverrideAllow:
+		return true, "" // bypasses only the ops switch; the security gates still apply upstream
+	case OverrideDeny:
+		return false, defaultUnavailable(lang) // a per-account block — a neutral reason
+	default: // OverrideDefault — follow the rail switch
+		if rail.Enabled {
+			return true, ""
+		}
+		return false, railMessage(rail, lang)
+	}
+}
+
+// railMessage returns the operator's rail-off message in lang, falling back to the other language
+// and then to the built-in default when the operator left both blank.
+func railMessage(rail RailAvailability, lang string) string {
+	if lang == "ru" {
+		if rail.MessageRU != "" {
+			return rail.MessageRU
+		}
+		if rail.MessageEN != "" {
+			return rail.MessageEN
+		}
+	} else {
+		if rail.MessageEN != "" {
+			return rail.MessageEN
+		}
+		if rail.MessageRU != "" {
+			return rail.MessageRU
+		}
+	}
+	return defaultUnavailable(lang)
+}
+
+// defaultUnavailable is the built-in localized "payments unavailable" reason used when the operator
+// set no custom message, and for a per-account deny.
+func defaultUnavailable(lang string) string {
+	if lang == "ru" {
+		return "Оплата временно недоступна. Попробуйте позже."
+	}
+	return "Payments are temporarily unavailable. Please try again later."
+}
+
+// Rail keys name the operational payment rails the kill switch and the per-account override key on.
+// The direct rail is split per channel (D42); vk and telegram are single-rail.
+const (
+	RailDirectWeb     = "direct:web"
+	RailDirectAndroid = "direct:android"
+	RailVK            = "vk"
+	RailTelegram      = "telegram"
+)
+
+// KnownRails is the fixed set of rail keys, for the admin editor and for validation.
+var KnownRails = []string{RailDirectWeb, RailDirectAndroid, RailVK, RailTelegram}
+
+// RailKey maps a payment context to its operational rail key: the direct rail by channel subtype
+// (android, else web), or the store rail's own name (vk / telegram).
+func RailKey(kind Source, subtype string) string {
+	if kind == SourceDirect {
+		if subtype == "android" {
+			return RailDirectAndroid
+		}
+		return RailDirectWeb
+	}
+	return string(kind)
+}
+
+// isKnownRail reports whether rail is one of the fixed rail keys.
+func isKnownRail(rail string) bool {
+	return slices.Contains(KnownRails, rail)
+}
@@ -0,0 +1,40 @@
+package payments
+
+import "testing"
+
+func TestPurchaseGate(t *testing.T) {
+	on := RailAvailability{Enabled: true}
+	offMsg := RailAvailability{Enabled: false, MessageRU: "Чиним", MessageEN: "Fixing"}
+	offNoMsg := RailAvailability{Enabled: false}
+
+	// OverrideDefault follows the rail switch.
+	if ok, _ := PurchaseGate(OverrideDefault, on, "en"); !ok {
+		t.Error("default + enabled rail should allow")
+	}
+	if ok, r := PurchaseGate(OverrideDefault, offMsg, "ru"); ok || r != "Чиним" {
+		t.Errorf("default + off rail (ru) = %v/%q, want false/Чиним", ok, r)
+	}
+	if ok, r := PurchaseGate(OverrideDefault, offMsg, "en"); ok || r != "Fixing" {
+		t.Errorf("default + off rail (en) = %v/%q, want false/Fixing", ok, r)
+	}
+
+	// Off rail with no custom message → the built-in default, localized (not the English default in ru).
+	if ok, r := PurchaseGate(OverrideDefault, offNoMsg, "ru"); ok || r != defaultUnavailable("ru") {
+		t.Errorf("default + off no-msg (ru) = %v/%q, want false + the ru default", ok, r)
+	}
+
+	// OverrideAllow bypasses the ops switch even when the rail is off.
+	if ok, r := PurchaseGate(OverrideAllow, offMsg, "en"); !ok || r != "" {
+		t.Errorf("allow + off rail = %v/%q, want true/empty (bypasses the ops switch)", ok, r)
+	}
+
+	// OverrideDeny blocks even when the rail is on, with a non-empty reason.
+	if ok, r := PurchaseGate(OverrideDeny, on, "en"); ok || r == "" {
+		t.Errorf("deny + on rail = %v/%q, want false + a reason", ok, r)
+	}
+
+	// The message falls back to the other language when only one is set.
+	if _, r := PurchaseGate(OverrideDefault, RailAvailability{MessageEN: "OnlyEN"}, "ru"); r != "OnlyEN" {
+		t.Errorf("off rail ru with only EN msg = %q, want OnlyEN (fallback)", r)
+	}
+}
@@ -0,0 +1,63 @@
+package payments
+
+import (
+	"context"
+	"fmt"
+
+	"github.com/google/uuid"
+)
+
+// CanPurchase reports whether an account may open a purchase order on rail, combining the account's
+// per-account override with the rail's operational switch (PurchaseGate). It is the operational
+// availability layer only — the caller still enforces the security gates (trusted platform, the D36
+// email anchor, the VK-iOS spend freeze, the min client version). On a block, reason is localized to
+// lang for the user; err is only a store failure.
+func (s *Service) CanPurchase(ctx context.Context, accountID uuid.UUID, rail, lang string) (ok bool, reason string, err error) {
+	ov, err := s.store.purchaseOverride(ctx, accountID)
+	if err != nil {
+		return false, "", err
+	}
+	avail, err := s.store.railAvailability(ctx, rail)
+	if err != nil {
+		return false, "", err
+	}
+	ok, reason = PurchaseGate(ov, avail, lang)
+	return ok, reason, nil
+}
+
+// RailStatuses returns every known rail's operational status for the admin editor, filling a rail
+// with no stored row with the fail-open enabled default so the editor always shows one row per rail.
+func (s *Service) RailStatuses(ctx context.Context) (map[string]RailAvailability, error) {
+	stored, err := s.store.allRailStatus(ctx)
+	if err != nil {
+		return nil, err
+	}
+	out := make(map[string]RailAvailability, len(KnownRails))
+	for _, rail := range KnownRails {
+		if a, ok := stored[rail]; ok {
+			out[rail] = a
+		} else {
+			out[rail] = RailAvailability{Enabled: true}
+		}
+	}
+	return out, nil
+}
+
+// SetRailStatus upserts a rail's operational status from the admin editor. It rejects an unknown rail
+// key so a typo cannot create a dead row.
+func (s *Service) SetRailStatus(ctx context.Context, rail string, a RailAvailability) error {
+	if !isKnownRail(rail) {
+		return fmt.Errorf("payments: unknown rail %q", rail)
+	}
+	return s.store.setRailStatus(ctx, rail, a, s.clock())
+}
+
+// PurchaseOverrideFor returns an account's purchase override (OverrideDefault when none is set).
+func (s *Service) PurchaseOverrideFor(ctx context.Context, accountID uuid.UUID) (PurchaseOverride, error) {
+	return s.store.purchaseOverride(ctx, accountID)
+}
+
+// SetPurchaseOverride sets or clears an account's purchase override (OverrideDefault deletes the row).
+func (s *Service) SetPurchaseOverride(ctx context.Context, accountID uuid.UUID, ov PurchaseOverride) error {
+	return s.store.setPurchaseOverride(ctx, accountID, ov, s.clock())
+}
@@ -46,6 +46,7 @@ func (s *Service) CreateOrder(ctx context.Context, accountID uuid.UUID, cxt Cont
 		amount:    pack.price,
 		origin:    method,
 		provider:  provider,
+		shop:      directShop(cxt),
 	}
 	if err := s.store.createOrder(ctx, o, s.clock()); err != nil {
 		return OrderResult{}, err
@@ -53,6 +54,16 @@ func (s *Service) CreateOrder(ctx context.Context, accountID uuid.UUID, cxt Cont
 	return OrderResult{OrderID: orderID, Amount: pack.price, Title: pack.title}, nil
 }

+// directShop returns the merchant shop (channel) a direct order is issued through — the trusted
+// platform subtype for the direct rail ("web"/"android"), or "" for any other rail (the per-shop
+// split is direct-only; D42/D44). Recorded on the order for the admin per-channel breakdown.
+func directShop(cxt Context) string {
+	if cxt.Kind == SourceDirect {
+		return cxt.Subtype
+	}
+	return ""
+}
+
 // OrderItem returns a pending order's human title and the amount it charges, in the order's own
 // currency — the details a provider's item-lookup phase needs (VK's get_item). It reads the order
 // and the pack title, honouring the pack even if it was later deactivated (mirrors Fund).
@@ -42,7 +42,8 @@ type RiskInfo struct {
 }

 // LedgerEntry is one append-only ledger row projected for the report. The string ids are empty when
-// the column is NULL; Snapshot is the raw purchase/refund JSON (empty when none).
+// the column is NULL; Shop is the direct-rail merchant channel the referenced order used (empty for
+// other rails or order-less rows); Snapshot is the raw purchase/refund JSON (empty when none).
 type LedgerEntry struct {
 	Kind              string
 	Source            string
@@ -52,6 +53,7 @@ type LedgerEntry struct {
 	OrderID           string
 	Provider          string
 	ProviderPaymentID string
+	Shop              string
 	Snapshot          string
 	CreatedAt         time.Time
 }
@@ -0,0 +1,96 @@
+package payments
+
+import (
+	"context"
+	"database/sql"
+	"errors"
+	"fmt"
+	"time"
+
+	"github.com/google/uuid"
+)
+
+// railAvailability reads a rail's operational availability. A missing row is fail-open: enabled with
+// no message, so payments stay on unless an operator explicitly disabled the rail.
+func (s *Store) railAvailability(ctx context.Context, rail string) (RailAvailability, error) {
+	var a RailAvailability
+	err := s.db.QueryRowContext(ctx,
+		`SELECT enabled, message_ru, message_en FROM payments.rail_status WHERE rail = $1`, rail).
+		Scan(&a.Enabled, &a.MessageRU, &a.MessageEN)
+	if errors.Is(err, sql.ErrNoRows) {
+		return RailAvailability{Enabled: true}, nil
+	}
+	if err != nil {
+		return RailAvailability{}, fmt.Errorf("payments: read rail status %q: %w", rail, err)
+	}
+	return a, nil
+}
+
+// allRailStatus reads every stored rail-status row for the admin editor, keyed by rail. Rails with
+// no row are absent (the caller fills them with the fail-open enabled default).
+func (s *Store) allRailStatus(ctx context.Context) (map[string]RailAvailability, error) {
+	rows, err := s.db.QueryContext(ctx,
+		`SELECT rail, enabled, message_ru, message_en FROM payments.rail_status`)
+	if err != nil {
+		return nil, fmt.Errorf("payments: read rail statuses: %w", err)
+	}
+	defer rows.Close()
+	out := make(map[string]RailAvailability)
+	for rows.Next() {
+		var rail string
+		var a RailAvailability
+		if err := rows.Scan(&rail, &a.Enabled, &a.MessageRU, &a.MessageEN); err != nil {
+			return nil, fmt.Errorf("payments: scan rail status: %w", err)
+		}
+		out[rail] = a
+	}
+	return out, rows.Err()
+}
+
+// setRailStatus upserts a rail's operational status (admin).
+func (s *Store) setRailStatus(ctx context.Context, rail string, a RailAvailability, now time.Time) error {
+	if _, err := s.db.ExecContext(ctx,
+		`INSERT INTO payments.rail_status (rail, enabled, message_ru, message_en, updated_at)
+		 VALUES ($1, $2, $3, $4, $5)
+		 ON CONFLICT (rail) DO UPDATE SET enabled = $2, message_ru = $3, message_en = $4, updated_at = $5`,
+		rail, a.Enabled, a.MessageRU, a.MessageEN, now); err != nil {
+		return fmt.Errorf("payments: set rail status %q: %w", rail, err)
+	}
+	return nil
+}
+
+// purchaseOverride reads an account's purchase override; a missing row is OverrideDefault.
+func (s *Store) purchaseOverride(ctx context.Context, accountID uuid.UUID) (PurchaseOverride, error) {
+	var allow bool
+	err := s.db.QueryRowContext(ctx,
+		`SELECT allow FROM payments.account_payment_override WHERE account_id = $1`, accountID).Scan(&allow)
+	if errors.Is(err, sql.ErrNoRows) {
+		return OverrideDefault, nil
+	}
+	if err != nil {
+		return OverrideDefault, fmt.Errorf("payments: read purchase override %s: %w", accountID, err)
+	}
+	if allow {
+		return OverrideAllow, nil
+	}
+	return OverrideDeny, nil
+}
+
+// setPurchaseOverride upserts an account's override, or deletes the row for OverrideDefault (the
+// default state is the absence of a row).
+func (s *Store) setPurchaseOverride(ctx context.Context, accountID uuid.UUID, ov PurchaseOverride, now time.Time) error {
+	if ov == OverrideDefault {
+		if _, err := s.db.ExecContext(ctx,
+			`DELETE FROM payments.account_payment_override WHERE account_id = $1`, accountID); err != nil {
+			return fmt.Errorf("payments: clear purchase override %s: %w", accountID, err)
+		}
+		return nil
+	}
+	if _, err := s.db.ExecContext(ctx,
+		`INSERT INTO payments.account_payment_override (account_id, allow, updated_at) VALUES ($1, $2, $3)
+		 ON CONFLICT (account_id) DO UPDATE SET allow = $2, updated_at = $3`,
+		accountID, ov == OverrideAllow, now); err != nil {
+		return fmt.Errorf("payments: set purchase override %s: %w", accountID, err)
+	}
+	return nil
+}
@@ -151,6 +151,7 @@ type newOrder struct {
 	amount    Money
 	origin    Source
 	provider  string
+	shop      string
 }

 // createOrder inserts a pending order.
@@ -159,12 +160,12 @@ func (s *Store) createOrder(ctx context.Context, o newOrder, now time.Time) erro
 		table.Orders.OrderID, table.Orders.AccountID, table.Orders.Platform,
 		table.Orders.ProductID, table.Orders.ExpectedAmount, table.Orders.Currency,
 		table.Orders.Origin, table.Orders.Status, table.Orders.Provider,
-		table.Orders.CreatedAt, table.Orders.UpdatedAt,
+		table.Orders.CreatedAt, table.Orders.UpdatedAt, table.Orders.Shop,
 	).VALUES(
 		o.orderID, o.accountID, o.platform,
 		o.productID, o.amount.Minor(), string(o.amount.Currency()),
 		string(o.origin), "pending", o.provider,
-		now, now,
+		now, now, o.shop,
 	)
 	if _, err := stmt.ExecContext(ctx, s.db); err != nil {
 		return fmt.Errorf("payments: create order: %w", err)
@@ -74,9 +74,39 @@ func (s *Store) accountStatement(ctx context.Context, accountID uuid.UUID) (Stat
 			CreatedAt:         r.CreatedAt,
 		})
 	}
+
+	// Annotate direct-rail entries with the merchant shop (channel) their order was issued through
+	// (E10/D44), keyed by the ledger's order id. Non-direct / order-less entries stay "".
+	shops, err := s.orderShops(ctx, accountID)
+	if err != nil {
+		return Statement{}, err
+	}
+	for i := range out.Ledger {
+		out.Ledger[i].Shop = shops[out.Ledger[i].OrderID]
+	}
 	return out, nil
 }

+// orderShops maps an account's order ids (as strings) to the merchant shop (channel) each direct
+// order was issued through, for annotating the ledger report (E10/D44). Orders with an empty shop
+// (non-direct or pre-split) are omitted, so a lookup miss yields "".
+func (s *Store) orderShops(ctx context.Context, accountID uuid.UUID) (map[string]string, error) {
+	var rows []model.Orders
+	if err := postgres.SELECT(table.Orders.OrderID, table.Orders.Shop).
+		FROM(table.Orders).
+		WHERE(table.Orders.AccountID.EQ(postgres.UUID(accountID))).
+		QueryContext(ctx, s.db, &rows); err != nil {
+		return nil, fmt.Errorf("payments: load order shops %s: %w", accountID, err)
+	}
+	m := make(map[string]string, len(rows))
+	for _, r := range rows {
+		if r.Shop != "" {
+			m[r.OrderID.String()] = r.Shop
+		}
+	}
+	return m, nil
+}
+
 // allLedger reads the entire append-only ledger (all accounts, newest first) for the admin export.
 func (s *Store) allLedger(ctx context.Context) ([]LedgerExportRow, error) {
 	var rows []model.Ledger
@@ -25,4 +25,5 @@ type Orders struct {
 	ProviderPaymentID *string
 	CreatedAt         time.Time
 	UpdatedAt         time.Time
+	Shop              string
 }
@@ -29,6 +29,7 @@ type ordersTable struct {
 	ProviderPaymentID postgres.ColumnString
 	CreatedAt         postgres.ColumnTimestampz
 	UpdatedAt         postgres.ColumnTimestampz
+	Shop              postgres.ColumnString

 	AllColumns     postgres.ColumnList
 	MutableColumns postgres.ColumnList
@@ -82,9 +83,10 @@ func newOrdersTableImpl(schemaName, tableName, alias string) ordersTable {
 		ProviderPaymentIDColumn = postgres.StringColumn("provider_payment_id")
 		CreatedAtColumn         = postgres.TimestampzColumn("created_at")
 		UpdatedAtColumn         = postgres.TimestampzColumn("updated_at")
-		allColumns              = postgres.ColumnList{OrderIDColumn, AccountIDColumn, PlatformColumn, ProductIDColumn, ExpectedAmountColumn, CurrencyColumn, OriginColumn, StatusColumn, ProviderColumn, ProviderPaymentIDColumn, CreatedAtColumn, UpdatedAtColumn}
-		mutableColumns          = postgres.ColumnList{AccountIDColumn, PlatformColumn, ProductIDColumn, ExpectedAmountColumn, CurrencyColumn, OriginColumn, StatusColumn, ProviderColumn, ProviderPaymentIDColumn, CreatedAtColumn, UpdatedAtColumn}
-		defaultColumns          = postgres.ColumnList{StatusColumn, CreatedAtColumn, UpdatedAtColumn}
+		ShopColumn              = postgres.StringColumn("shop")
+		allColumns              = postgres.ColumnList{OrderIDColumn, AccountIDColumn, PlatformColumn, ProductIDColumn, ExpectedAmountColumn, CurrencyColumn, OriginColumn, StatusColumn, ProviderColumn, ProviderPaymentIDColumn, CreatedAtColumn, UpdatedAtColumn, ShopColumn}
+		mutableColumns          = postgres.ColumnList{AccountIDColumn, PlatformColumn, ProductIDColumn, ExpectedAmountColumn, CurrencyColumn, OriginColumn, StatusColumn, ProviderColumn, ProviderPaymentIDColumn, CreatedAtColumn, UpdatedAtColumn, ShopColumn}
+		defaultColumns          = postgres.ColumnList{StatusColumn, CreatedAtColumn, UpdatedAtColumn, ShopColumn}
 	)

 	return ordersTable{
@@ -103,6 +105,7 @@ func newOrdersTableImpl(schemaName, tableName, alias string) ordersTable {
 		ProviderPaymentID: ProviderPaymentIDColumn,
 		CreatedAt:         CreatedAtColumn,
 		UpdatedAt:         UpdatedAtColumn,
+		Shop:              ShopColumn,

 		AllColumns:     allColumns,
 		MutableColumns: mutableColumns,
@@ -0,0 +1,13 @@
+-- Multi-shop direct rail (E10/D44): record which Robokassa merchant shop (channel) issued a direct
+-- order — "web" / "android" (ios later) — so the admin financial report can break direct payments
+-- down by channel. Only the direct rail is per-channel; other rails leave it "". Additive only (a
+-- defaulted column), applies forward via goose with no data rewrite (no contour wipe); an image
+-- rollback ignores the column.
+-- +goose Up
+
+ALTER TABLE payments.orders
+    ADD COLUMN shop text NOT NULL DEFAULT '';
+
+-- +goose Down
+
+ALTER TABLE payments.orders DROP COLUMN shop;
@@ -0,0 +1,26 @@
+-- Payment availability controls (D45/D46): a per-rail operational kill switch with a localized message,
+-- and a per-account purchase override. Both let an operator disable payments live from the admin —
+-- a whole rail/channel, or one account — and explain why to the user on a purchase attempt. Additive
+-- (new tables) — applies forward via goose with no data rewrite (no contour wipe); an image rollback
+-- ignores both tables. Fail-open by design: a rail with no row is enabled; an account with no row
+-- follows the rail switch.
+-- +goose Up
+
+CREATE TABLE payments.rail_status (
+    rail text PRIMARY KEY,
+    enabled boolean NOT NULL DEFAULT true,
+    message_ru text NOT NULL DEFAULT '',
+    message_en text NOT NULL DEFAULT '',
+    updated_at timestamptz NOT NULL DEFAULT now()
+);
+
+CREATE TABLE payments.account_payment_override (
+    account_id uuid PRIMARY KEY,
+    allow boolean NOT NULL,
+    updated_at timestamptz NOT NULL DEFAULT now()
+);
+
+-- +goose Down
+
+DROP TABLE payments.account_payment_override;
+DROP TABLE payments.rail_status;
@@ -0,0 +1,54 @@
+package robokassa
+
+// Shops is a set of Robokassa merchant shops keyed by channel — the subtype of the trusted
+// X-Platform signal for the direct rail ("web", "android"; "ios" later). The direct rail routes a
+// payment to the per-channel shop for separate merchant accounts, accounting and receipts, while
+// every shop still credits the one direct wallet (docs/PAYMENTS_DECISIONS_ru.md D42). An empty set
+// leaves the direct order and Result-callback endpoints unregistered.
+type Shops map[string]Config
+
+// Channel constants name the direct-rail X-Platform subtypes a shop is keyed by. ChannelWeb is the
+// default: an unknown or empty channel routes here on the order side, and the legacy single-shop
+// configuration seeds it.
+const (
+	ChannelWeb     = "web"
+	ChannelAndroid = "android"
+)
+
+// Shop returns the shop that issues an order for channel, falling back to the web shop when channel
+// is unknown, empty or not configured. The fallback is safe: routing only chooses the merchant
+// account and receipt, never the credited wallet (always direct, D42), so a mis-attributed channel
+// costs at most accounting accuracy, not money. The second result is false when neither the channel
+// nor the web shop has a merchant login (the rail is unconfigured).
+func (s Shops) Shop(channel string) (Config, bool) {
+	if channel != "" {
+		if c, ok := s[channel]; ok && c.MerchantLogin != "" {
+			return c, true
+		}
+	}
+	if c, ok := s[ChannelWeb]; ok && c.MerchantLogin != "" {
+		return c, true
+	}
+	return Config{}, false
+}
+
+// Verifier returns the shop whose Password2 verifies a Result callback delivered to channel's
+// dedicated Result route. Unlike Shop it does not fall back to web: each shop's callback is verified
+// only by that shop's own credentials, so a route with no configured shop reports false (and its
+// handler answers as unregistered). The second result is false when channel has no merchant login.
+func (s Shops) Verifier(channel string) (Config, bool) {
+	if c, ok := s[channel]; ok && c.MerchantLogin != "" {
+		return c, true
+	}
+	return Config{}, false
+}
+
+// Configured reports whether at least one shop has a merchant login (the direct rail is live).
+func (s Shops) Configured() bool {
+	for _, c := range s {
+		if c.MerchantLogin != "" {
+			return true
+		}
+	}
+	return false
+}
@@ -0,0 +1,52 @@
+package robokassa
+
+import "testing"
+
+func TestShopsShopRouting(t *testing.T) {
+	shops := Shops{
+		ChannelWeb:     {MerchantLogin: "webshop", Password1: "w1", Password2: "w2"},
+		ChannelAndroid: {MerchantLogin: "androidshop", Password1: "a1", Password2: "a2"},
+	}
+	// Order side: the exact channel wins.
+	if c, ok := shops.Shop(ChannelAndroid); !ok || c.MerchantLogin != "androidshop" {
+		t.Errorf("Shop(android) = %q/%v, want androidshop/true", c.MerchantLogin, ok)
+	}
+	// Order side: an unknown or empty channel falls back to the web shop (safe — always credits direct).
+	if c, ok := shops.Shop("ios"); !ok || c.MerchantLogin != "webshop" {
+		t.Errorf("Shop(ios) = %q/%v, want webshop/true (web fallback)", c.MerchantLogin, ok)
+	}
+	if c, ok := shops.Shop(""); !ok || c.MerchantLogin != "webshop" {
+		t.Errorf("Shop(empty) = %q/%v, want webshop/true (web fallback)", c.MerchantLogin, ok)
+	}
+	// No web shop and an unknown channel → unconfigured.
+	if _, ok := (Shops{ChannelAndroid: {MerchantLogin: "androidshop", Password1: "a1", Password2: "a2"}}).Shop("ios"); ok {
+		t.Error("Shop(ios) with no web shop returned ok, want false")
+	}
+}
+
+func TestShopsVerifierIsStrict(t *testing.T) {
+	shops := Shops{
+		ChannelWeb:     {MerchantLogin: "webshop", Password1: "w1", Password2: "w2"},
+		ChannelAndroid: {MerchantLogin: "androidshop", Password1: "a1", Password2: "a2"},
+	}
+	// Callback side: the exact channel's own credentials, no web fallback (each callback is verified
+	// only by its own shop's Password2).
+	if c, ok := shops.Verifier(ChannelAndroid); !ok || c.MerchantLogin != "androidshop" {
+		t.Errorf("Verifier(android) = %q/%v, want androidshop/true", c.MerchantLogin, ok)
+	}
+	if _, ok := shops.Verifier("ios"); ok {
+		t.Error("Verifier(ios) returned ok, want false (no fallback)")
+	}
+}
+
+func TestShopsConfigured(t *testing.T) {
+	if (Shops{}).Configured() {
+		t.Error("an empty set reported configured")
+	}
+	if (Shops{ChannelWeb: {}}).Configured() {
+		t.Error("a shop with no merchant login reported configured")
+	}
+	if !(Shops{ChannelWeb: {MerchantLogin: "s", Password1: "1", Password2: "2"}}).Configured() {
+		t.Error("a configured shop reported not configured")
+	}
+}
@@ -89,7 +89,7 @@ func (s *Server) registerRoutes() {
 		// payment over the reverse bot-link; the gateway proxies both onto these gateway-only routes.
 		s.internal.POST("/payments/telegram/precheckout", s.handleTelegramPreCheckout)
 		s.internal.POST("/payments/telegram/payment", s.handleTelegramPayment)
-		if s.robokassa.MerchantLogin != "" {
+		if s.robokassa.Configured() {
 			s.internal.POST("/payments/robokassa/result", s.handleRobokassaResult)
 		}
 	}
@@ -51,7 +51,16 @@ func (s *Server) consoleCatalog(c *gin.Context) {
 		s.consoleError(c, err)
 		return
 	}
+	rails, err := s.payments.RailStatuses(c.Request.Context())
+	if err != nil {
+		s.consoleError(c, err)
+		return
+	}
 	view := adminconsole.CatalogView{ShowAll: showAll, RewardPayout: payout, RewardDailyCap: daily, RewardHourlyCap: hourly}
+	for _, rail := range payments.KnownRails {
+		a := rails[rail]
+		view.Rails = append(view.Rails, adminconsole.RailStatusRow{Rail: rail, Enabled: a.Enabled, MessageRU: a.MessageRU, MessageEN: a.MessageEN})
+	}
 	for _, p := range products {
 		view.Products = append(view.Products, catalogRow(p))
 	}
@@ -72,6 +81,23 @@ func (s *Server) consoleSetReward(c *gin.Context) {
 	s.renderConsoleMessage(c, "Saved", "the rewarded-ads config was updated", catalogBack)
 }

+// consoleSetRailStatus toggles a payment rail's operational kill switch and its user-facing
+// off-message (per language) from the catalog page's payment-availability form. An unchecked box
+// disables the rail; an unknown rail is refused by the service.
+func (s *Server) consoleSetRailStatus(c *gin.Context) {
+	rail := strings.TrimSpace(c.PostForm("rail"))
+	a := payments.RailAvailability{
+		Enabled:   c.PostForm("enabled") == "on",
+		MessageRU: strings.TrimSpace(c.PostForm("message_ru")),
+		MessageEN: strings.TrimSpace(c.PostForm("message_en")),
+	}
+	if err := s.payments.SetRailStatus(c.Request.Context(), rail, a); err != nil {
+		s.renderConsoleMessage(c, "Update failed", err.Error(), catalogBack)
+		return
+	}
+	s.renderConsoleMessage(c, "Saved", "payment availability was updated", catalogBack)
+}
+
 // catalogRow projects a product into its list row.
 func catalogRow(p payments.AdminProduct) adminconsole.ProductRow {
 	row := adminconsole.ProductRow{ID: p.ID.String(), Title: p.Title, Active: p.Active, Transacted: p.Transacted}
@@ -61,6 +61,7 @@ func (s *Server) registerConsole(router *gin.Engine) {
 	gm.POST("/users/:id/grant", s.consoleGrant)
 	gm.POST("/users/:id/grant-product", s.consoleGrantProduct)
 	gm.POST("/users/:id/refund", s.consoleRefund)
+	gm.POST("/users/:id/purchase-override", s.consoleSetPurchaseOverride)
 	gm.POST("/users/:id/delete", s.consoleDeleteUser)
 	gm.GET("/reasons", s.consoleReasons)
 	gm.POST("/reasons", s.consoleCreateReason)
@@ -113,6 +114,7 @@ func (s *Server) registerConsole(router *gin.Engine) {
 		gm.GET("/catalog", s.consoleCatalog)
 		gm.POST("/catalog", s.consoleCreateProduct)
 		gm.POST("/catalog/reward", s.consoleSetReward)
+		gm.POST("/catalog/rail-status", s.consoleSetRailStatus)
 		gm.GET("/catalog/:id", s.consoleCatalogDetail)
 		gm.POST("/catalog/:id", s.consoleUpdateProduct)
 		gm.POST("/catalog/:id/archive", s.consoleArchiveProduct)
@@ -461,6 +463,9 @@ func (s *Server) consoleUserDetail(c *gin.Context) {
 			s.log.Warn("console: account statement failed", zap.String("account", id.String()), zap.Error(err))
 		}
 		view.Grant = s.grantForm(ctx)
+		if ov, oerr := s.payments.PurchaseOverrideFor(ctx, id); oerr == nil {
+			view.PurchaseOverride = overrideName(ov)
+		}
 	}
 	s.renderConsole(c, "user_detail", "users", acc.DisplayName, view)
 }
@@ -482,13 +487,54 @@ func financeView(stmt payments.Statement) adminconsole.FinanceView {
 	for _, e := range stmt.Ledger {
 		fv.Ledger = append(fv.Ledger, adminconsole.LedgerRow{
 			Kind: e.Kind, Source: e.Source, Origin: e.Origin, ChipsDelta: e.ChipsDelta,
-			Product: e.ProductID, Order: e.OrderID, Provider: e.Provider, Snapshot: e.Snapshot,
+			Product: e.ProductID, Order: e.OrderID, Provider: e.Provider, Shop: e.Shop, Snapshot: e.Snapshot,
 			At: fmtTime(e.CreatedAt),
 		})
 	}
 	return fv
 }

+// overrideName renders a purchase override as the form/select value ("default"/"allow"/"deny").
+func overrideName(ov payments.PurchaseOverride) string {
+	switch ov {
+	case payments.OverrideAllow:
+		return "allow"
+	case payments.OverrideDeny:
+		return "deny"
+	default:
+		return "default"
+	}
+}
+
+// consoleSetPurchaseOverride sets or clears an account's per-account purchase override (allow / deny
+// / default) from the user card. "allow" bypasses only the operational rail switch, never the
+// security gates; "default" clears the override (deletes the row).
+func (s *Server) consoleSetPurchaseOverride(c *gin.Context) {
+	id, ok := s.consoleUUID(c, "/_gm/users")
+	if !ok {
+		return
+	}
+	back := "/_gm/users/" + id.String()
+	if s.payments == nil {
+		s.renderConsoleMessage(c, "Unavailable", "payments are not configured", back)
+		return
+	}
+	var ov payments.PurchaseOverride
+	switch c.PostForm("override") {
+	case "allow":
+		ov = payments.OverrideAllow
+	case "deny":
+		ov = payments.OverrideDeny
+	default:
+		ov = payments.OverrideDefault
+	}
+	if err := s.payments.SetPurchaseOverride(c.Request.Context(), id, ov); err != nil {
+		s.renderConsoleMessage(c, "Update failed", err.Error(), back)
+		return
+	}
+	s.renderConsoleMessage(c, "Saved", "the purchase override was updated", back)
+}
+
 // relationRows maps the social graph entries to the cross-linked, date-formatted rows the
 // user card renders.
 func relationRows(rels []social.AdminRelation) []adminconsole.RelationRow {
@@ -12,6 +12,7 @@ import (
 	"go.uber.org/zap"

 	"scrabble/backend/internal/payments"
+	"scrabble/backend/internal/robokassa"
 )

 // Ledger/order provider tags per rail.
@@ -66,9 +67,25 @@ func (s *Server) handleWalletOrder(c *gin.Context) {
 		s.abortErr(c, err)
 		return
 	}
+	// Operational availability gate (D45/D46): the per-rail kill switch + the per-account override,
+	// before any order is opened. Orthogonal to the security gates in the rail branches below — a
+	// per-account "allow" override bypasses only this switch, never those. The reason is localized to
+	// the account's language for the user.
+	lang := ""
+	if acc, aerr := s.accounts.GetByID(ctx, uid); aerr == nil {
+		lang = acc.PreferredLanguage
+	}
+	if ok, reason, aerr := s.payments.CanPurchase(ctx, uid, payments.RailKey(cxt.Kind, cxt.Subtype), lang); aerr != nil {
+		s.abortErr(c, aerr)
+		return
+	} else if !ok {
+		c.AbortWithStatusJSON(http.StatusServiceUnavailable, errorResponse{Error: errorBody{Code: "payment_unavailable", Message: reason}})
+		return
+	}
 	switch cxt.Kind {
 	case payments.SourceDirect:
-		if s.robokassa.MerchantLogin == "" {
+		shop, ok := s.robokassa.Shop(cxt.Subtype)
+		if !ok {
 			c.AbortWithStatusJSON(http.StatusNotImplemented, errorResponse{Error: errorBody{Code: "rail_unavailable", Message: "this payment method is not available"}})
 			return
 		}
@@ -89,7 +106,7 @@ func (s *Server) handleWalletOrder(c *gin.Context) {
 		}
 		c.JSON(http.StatusOK, walletOrderResponse{
 			OrderID:     res.OrderID.String(),
-			RedirectURL: s.robokassa.PaymentURL(res.OrderID, res.Amount.Major(), res.Title),
+			RedirectURL: shop.PaymentURL(res.OrderID, res.Amount.Major(), res.Title),
 			Rail:        providerRobokassa,
 		})
 	case payments.SourceVK:
@@ -136,7 +153,16 @@ func (s *Server) handleRobokassaResult(c *gin.Context) {
 	for k, val := range params {
 		v.Set(k, val)
 	}
-	orderID, outSum, ok := s.robokassa.VerifyResult(v)
+	// The per-shop Result route carries the channel as ?channel=; the legacy bare route defaults to
+	// the web shop. Each channel is verified only by its own shop's Password2 (Verifier is strict).
+	channel := c.DefaultQuery("channel", robokassa.ChannelWeb)
+	shop, ok := s.robokassa.Verifier(channel)
+	if !ok {
+		s.log.Warn("robokassa result: unknown shop channel", zap.String("channel", channel))
+		c.String(http.StatusBadRequest, "bad sign")
+		return
+	}
+	orderID, outSum, ok := shop.VerifyResult(v)
 	if !ok {
 		s.log.Warn("robokassa result: bad signature")
 		c.String(http.StatusBadRequest, "bad sign")
@@ -115,9 +115,9 @@ type Deps struct {
 	// Renderer is the image-render sidecar client for the PNG export artifact. A
 	// nil Renderer makes the PNG download answer 404 (the GCG artifact still works).
 	Renderer *render.Client
-	// Robokassa configures the direct-rail (RUB) provider; an empty MerchantLogin leaves the
-	// order and Result-callback endpoints unregistered.
-	Robokassa robokassa.Config
+	// Robokassa configures the direct-rail (RUB) provider — one merchant shop per channel; an empty
+	// set leaves the order and Result-callback endpoints unregistered.
+	Robokassa robokassa.Shops
 }

 // Server owns the gin engine, the underlying HTTP server and the readiness
@@ -146,7 +146,7 @@ type Server struct {
 	ads         *ads.Service
 	payments    *payments.Service
 	gamelimits  *gamelimits.Service
-	robokassa   robokassa.Config
+	robokassa   robokassa.Shops
 	notifier    notify.Publisher
 	console     *adminconsole.Renderer
 	exportKey   []byte
@@ -142,6 +142,18 @@ ROBOKASSA_MERCHANT_LOGIN=
 ROBOKASSA_PASSWORD1=
 ROBOKASSA_PASSWORD2=
 ROBOKASSA_TEST=
+# Multi-shop direct rail (D42): the vars above seed the "web" channel; add per-channel shops here.
+# ROBOKASSA_WEB_* overrides the web shop; ROBOKASSA_ANDROID_* adds the android (RuStore) shop. Each
+# credits the one direct wallet; an empty login drops that channel (routing falls back to web). The
+# Robokassa cabinet points each shop's Result URL at /pay/robokassa/result/web and .../android.
+ROBOKASSA_WEB_MERCHANT_LOGIN=
+ROBOKASSA_WEB_PASSWORD1=
+ROBOKASSA_WEB_PASSWORD2=
+ROBOKASSA_WEB_TEST=
+ROBOKASSA_ANDROID_MERCHANT_LOGIN=
+ROBOKASSA_ANDROID_PASSWORD1=
+ROBOKASSA_ANDROID_PASSWORD2=
+ROBOKASSA_ANDROID_TEST=

 # --- Gateway anti-abuse ------------------------------------------------------
 # Planted honeytoken bearer value: any request presenting it is flagged — a 24h IP ban
@@ -79,6 +79,7 @@ compose binds from this directory.
 | `BACKEND_ROBOKASSA_MERCHANT_LOGIN` | secret | Robokassa shop login for the direct RUB rail. Empty leaves the rail off. |
 | `BACKEND_ROBOKASSA_PASSWORD1` / `…_PASSWORD2` | secret | Robokassa pass phrases: Password1 signs the launch request, Password2 signs/verifies the Result callback. Use the shop's **test** pair while `…_ROBOKASSA_TEST=1`, the **live** pair for real money. (Password3 — Robokassa's JWT-invoice API — is unused.) |
 | `BACKEND_ROBOKASSA_TEST` | **variable** | `1` runs test payments against the test pass phrases (no real money); empty/`0` is live. A variable, not a secret, so go-live is a flag flip + redeploy, not a secret rotation. |
+| `BACKEND_ROBOKASSA_{WEB,ANDROID}_{MERCHANT_LOGIN,PASSWORD1,PASSWORD2,TEST}` | secret / variable | Multi-shop direct rail (D42): per-channel Robokassa shops. The legacy `BACKEND_ROBOKASSA_*` seeds the **web** shop; `…_WEB_*` overrides it, `…_ANDROID_*` adds the **android** (RuStore) shop. Each credits the one `direct` wallet; the cabinet Result URL per shop is `/pay/robokassa/result/{web,android}`. Empty login ⇒ that channel unconfigured (order routing falls back to the web shop). |

 **Plus the bot token** — `TELEGRAM_BOT_TOKEN` (secret), shared by the validator (HMAC
 secret) and the bot (Bot API). It defaults to empty in compose, but both **fail at
@@ -256,8 +257,8 @@ web/prod rollout — a signed APK uploaded to RuStore by hand. The build/release
  the SDK is missing or unreadable.
 - **Release keystore** (create once, **back up off-host** — losing it means the app can never be updated):
  `keytool -genkeypair -v -keystore erudit-release.jks -alias erudit -keyalg RSA -keysize 4096 -validity 10000`,
-  then set the Gitea **secrets** `ANDROID_KEYSTORE_BASE64` (`base64 -w0 erudit-release.jks`),
-  `ANDROID_KEYSTORE_PASSWORD`, `ANDROID_KEY_ALIAS`, `ANDROID_KEY_PASSWORD`. Set the `ANDROID_RUSTORE_URL`
+  then set the Gitea **secrets** `ANDROID_RUSTORE_KEYSTORE_BASE64` (`base64 -w0 erudit-release.jks`),
+  `ANDROID_RUSTORE_KEYSTORE_PASSWORD`, `ANDROID_RUSTORE_KEY_ALIAS`, `ANDROID_RUSTORE_KEY_PASSWORD`. Set the `ANDROID_RUSTORE_URL`
  variable to the store listing once published (empty until then — the in-app update button no-ops).
 - **Wire-break discipline:** the prod deploy that ships an incompatible wire change **also** bumps
  `GATEWAY_MIN_CLIENT_VERSION` to that release (see Optional variables), so an old installed APK is turned
@@ -171,6 +171,18 @@ services:
      BACKEND_ROBOKASSA_PASSWORD1: ${ROBOKASSA_PASSWORD1:-}
      BACKEND_ROBOKASSA_PASSWORD2: ${ROBOKASSA_PASSWORD2:-}
      BACKEND_ROBOKASSA_TEST: ${ROBOKASSA_TEST:-}
+      # Per-channel shops for the multi-shop direct rail (D42): the legacy ROBOKASSA_* above seeds
+      # the "web" channel; ROBOKASSA_WEB_* overrides it and ROBOKASSA_ANDROID_* adds the android
+      # shop. Each shop credits the one direct wallet; an empty login drops that channel (order
+      # routing falls back to the web shop). Result URLs: /pay/robokassa/result/{web,android}.
+      BACKEND_ROBOKASSA_WEB_MERCHANT_LOGIN: ${ROBOKASSA_WEB_MERCHANT_LOGIN:-}
+      BACKEND_ROBOKASSA_WEB_PASSWORD1: ${ROBOKASSA_WEB_PASSWORD1:-}
+      BACKEND_ROBOKASSA_WEB_PASSWORD2: ${ROBOKASSA_WEB_PASSWORD2:-}
+      BACKEND_ROBOKASSA_WEB_TEST: ${ROBOKASSA_WEB_TEST:-}
+      BACKEND_ROBOKASSA_ANDROID_MERCHANT_LOGIN: ${ROBOKASSA_ANDROID_MERCHANT_LOGIN:-}
+      BACKEND_ROBOKASSA_ANDROID_PASSWORD1: ${ROBOKASSA_ANDROID_PASSWORD1:-}
+      BACKEND_ROBOKASSA_ANDROID_PASSWORD2: ${ROBOKASSA_ANDROID_PASSWORD2:-}
+      BACKEND_ROBOKASSA_ANDROID_TEST: ${ROBOKASSA_ANDROID_TEST:-}
    # The dictionary lives on a named volume seeded from the image on first boot
    # (the image's /opt/dawg is owned by the nonroot UID, which the fresh volume
    # inherits). The admin console writes new version subdirectories here, and the
@@ -54,7 +54,10 @@ already fill the 108 dp canvas (foreground inside the 61 % safe zone, background
 full-bleed), so they must be placed with **no inset**, and we add the **monochrome**
 themed layer, neither of which `capacitor-assets` does. Per density mdpi→xxxhdpi (+ldpi):

- `mipmap-*/ic_launcher.png` / `ic_launcher_round.png` — legacy square / round (composite)
+- `mipmap-*/ic_launcher.png` — legacy square (< API 26): the **full-bleed master** (large
+  mark), so old square launchers do not shrink it into the safe zone
+- `mipmap-*/ic_launcher_round.png` — legacy round (< API 26): the safe-zone **composite**,
+  circle-clipped (a round mask would clip the master's corner ✻)
 - `mipmap-*/ic_launcher_foreground.png` + `ic_launcher_background.png` — adaptive layers
 - `mipmap-*/ic_launcher_monochrome.png` — themed layer
 - `mipmap-anydpi-v26/ic_launcher.xml` + `ic_launcher_round.xml` — **no `<inset>`**, with
@@ -123,12 +123,13 @@ So Android is **not** the full-bleed master — it is built as two layers:
  and square** (no rounded corners; the OS supplies the shape). It fills the whole 108 dp
  layer, so the sacrificial outer ring is just more wood.
 - **Foreground** — **only the «Э» + ✻**, transparent, **re-placed** to sit safely inside
-  the mask:
-  - «Э»: box height **53.9 %**, box center **52.3 % / 49.5 %**.
-  - ✻: outer diameter **13.2 %** (smaller than the master's), center **76.3 % / 72.7 %**,
+  the mask. The whole mark is the master's optical placement (nudged right 8 % / down 3 %)
+  scaled **0.75 about the icon centre** — **25 % smaller**, its «Э» ↔ ✻ arrangement
+  unchanged — so the ✻ that used to graze the round mask now sits well inside the **61 %
+  safe zone** with margin to spare:
+  - «Э»: box height **40.4 %**, box center **51.8 % / 49.6 %**.
+  - ✻: outer diameter **9.9 %** (smaller than the master's), center **69.7 % / 67.0 %**,
    tucked closer to the letter.
-  - The mark is centred, then nudged **right 8 % / down 3 %** so it reads optically
-    centred under the round mask, and the whole group fits within the **61 % safe zone**.

 Everything else (palette, grain, gradients, star construction) is identical to the master.

@@ -57,6 +57,21 @@ for outside the store's own cash desk. Chips funded inside VK (Votes) may only b
 the VK context; Stars only inside Telegram; Robokassa-funded (`direct`) chips only outside
 the stores. See §4.

+**Multi-shop direct rail (D42).** The `direct` rail routes to one Robokassa **merchant shop per
+channel** — `web` and `android` (RuStore), `ios` later — chosen by the trusted `X-Platform` subtype;
+every shop credits the one `direct` wallet (no per-channel wallet). This is merchant-account
+separation for accounting / receipts only: the order records its `shop` (shown in the admin report),
+and each shop's Result callback is verified by its own Password2 at `/pay/robokassa/result/<channel>`.
+Standalone apps (Android/iOS) sign in by email only, so a direct purchase always has the D36 email
+anchor (D43). Fiscalization (54-ФЗ via the Robokassa cabinet under one ИП) is a single source
+regardless of the number of shops (D41).
+
+**Payment availability kill switch (D45/D46).** An operator can disable purchases on a rail/channel
+(`direct:web` / `direct:android` / `vk` / `telegram`) or for one account, live from `/_gm`, and the
+user sees a localized reason on their next attempt (`payment_unavailable`, carried on the additive
+`ExecuteResponse.message`). **Fail-open:** a rail with no status row is enabled. A per-account
+`allow` override bypasses only this operational switch, never the security gates (D46).
+
 ## 3. Three operations, kept distinct

 Do not conflate these — they use different keys:
@@ -234,11 +234,53 @@ web+PWA / native Android+iOS через Capacitor). Владелец (самоз
 - **D40. Финансовый отчёт per-user в `/_gm`** — балансы сегментов, платежи, траты,
  гранты, возвраты, полная история — расширение существующей карточки
  (`UserDetailView`, `handlers_admin_console.go:343`). Плюс экспорт журнала (D27).
- **D41. Налоги/чеки — авто через провайдера.** **Robokassa** (direct) — авточек НПД
-  (режим самозанятого). **VK** — сам процессит Голоса через налоговую (владельцу делать
-  нечего). **TG Stars** — налоговой стороны нет (для РФ-самозанятого невыводимы легально
-  = не доход по НПД; принимаем, чек не формируем). ОРД по VK-рекламе — на стороне VK.
-  *(Не юридическая консультация — точную схему НПД владелец сверяет с налоговой стороной.)*
+- **D41. Налоги/чеки — авто через провайдера (ревизия: владелец переходит на ИП).**
+  **Robokassa** (direct) — фискальный чек по **54-ФЗ** через облачную кассу Robokassa
+  (провайдер как фискальный агент): чек формирует касса, не банк (банковский слип об оплате —
+  отдельный документ, не фискальный чек). Настраивается владельцем в ЛКК Robokassa
+  (касса + ОФД + СНО). Код — опционально: слать детализированный `Receipt` + `Email`
+  покупателя (берём подтверждённый email-якорь D36) → чек с точным названием пакета и ставкой
+  по СНО; иначе — обобщённый дефолт-чек из кабинета. `Receipt` входит в подпись
+  (`MerchantLogin:OutSum:InvId:Receipt:Пароль#1`, URL-кодируется), одна позиция влезает в
+  текущий GET-redirect (POST-форма — фолбэк на длину URL). Источник чеков один — ИП/касса,
+  независимо от числа магазинов Robokassa. **VK** — процессит Голоса через налоговую сам.
+  **TG Stars** — вне рублёвого фискального контура (принимаем, чек не формируем). ОРД по
+  VK-рекламе — на стороне VK. *(Не юрконсультация — схему по 54-ФЗ/СНО владелец сверяет с
+  бухгалтером.)*
+- **D42. Direct-рельс — несколько магазинов Robokassa = маршрутизация merchant-аккаунтов по
+  каналу при едином кошельке.** Кошелёк `direct` остаётся один. Отдельные магазины Robokassa
+  (web, android; ios — позже) различаются только кредами / Return-URL / учётом и **все
+  зачисляют в сегмент `direct`**. Модель кошельков, стенка трат и origin бенефитов не меняются.
+  Магазин выбирается по трастовому сигналу канала (`X-Platform` вида `<kind>/<subtype>`:
+  `direct/web`, `direct/android`), а не по подделываемому клиентскому полю; неизвестный подтип
+  → магазин `web` (безопасный дефолт). Зачисление от выбора магазина не зависит (всегда
+  `direct`), поэтому ошибка маршрутизации влияет максимум на учёт, не на деньги.
+- **D43. Standalone-приложения (Android, iOS) — вход только по email; покупка требует
+  email-якорь.** В нативной сборке доступны только guest + email: VK ID-логин (full-page
+  redirect на `id.vk.com`) не возвращается в Capacitor, TG Login Widget в WebView ненадёжен —
+  это уже действующая реальность сборки, не новое ограничение. Direct-покупка требует
+  подтверждённого email-якоря (D36) — он же адрес фискального чека (D41); гость не покупает.
+  Отдельный сегмент `apple` НЕ заводим: iOS-standalone — тот же `direct`-контекст, внешний гейт
+  (Robokassa) фондирует единый `direct`. Сегмент `apple` со стенкой (по образцу vk/tg)
+  понадобился бы только при Apple IAP (StoreKit) — отложено до решения по iOS; и identity-kind
+  `apple→direct`, и отдельный сегмент — аддитивны, без риска, делаются на месте.
+- **D44. Канал платежа хранится на заказе для раздельного учёта/отчёта.** Заказ получает поле
+  `shop` (web/android/…) — аддитивная колонка. Используется в финансовом отчёте (D40) для
+  разбивки «из какого магазина/канала платёж». На зачисление и на сегмент кошелька не влияет
+  (всегда `direct`, D42).
+- **D45. Рубильник платежей per-rail + локализованное сообщение.** Оператор выключает покупки на
+  рельсе/канале (`direct:web`/`direct:android`/`vk`/`telegram`) живьём из `/_gm` (таблица
+  `payments.rail_status`, редактируется на странице каталога). **Fail-open:** нет строки → рельс
+  включён (случайно не убить платежи). Выключенный рельс на попытке покупки возвращает
+  `payment_unavailable` + сообщение админа на языке юзера (RU/EN; пусто → встроенное «временно
+  недоступно»). Сообщение едет клиенту через аддитивное `ExecuteResponse.message` (envelope-слой,
+  frozen-contract-safe). Гейт ортогонален security-гейтам.
+- **D46. Per-user override покупок (allow/deny/default).** На карточке юзера (`/_gm`) —
+  переопределение на аккаунт: `allow` (всегда разрешить), `deny` (всегда запретить), `default` (по
+  рельс-рубильнику). Хранится в `payments.account_payment_override` строкой только для не-default
+  (нет строки = default; снять = удалить строку). **`allow` обходит ТОЛЬКО ops-рубильник, НЕ
+  security-гейты** (D36 email-якорь, VK-iOS-фриз, trusted-платформа, min-client-version) — те
+  проверяются отдельно в CreateOrder.

 ## Заметки к оформлению документов

@@ -254,10 +296,17 @@ web+PWA / native Android+iOS через Capacitor). Владелец (самоз
  ведёт к пропускам. Текст — только для фиксации решённого и пояснений. Усилить
  feedback-память `prefer-interview-mode` после plan mode.

-## Все развилки закрыты (D1-D41)
+## Все развилки закрыты (D1-D46)

 Интервью завершено. Дальше — оформление документов и реализация по релизам.

+**Дополнение 2026-07-14 (интервью с владельцем).** D41 ревизована (владелец переходит на
+ИП: 54-ФЗ через облачную кассу Robokassa вместо авточека НПД); добавлены D42-D44 — сплит
+`direct`-рельса Robokassa на магазины по каналу (web/android; ios позже) при едином кошельке
+`direct` и входе email-only в standalone-приложениях (этап E10 в `PLAN.md`). Плюс D45-D46 —
+рубильник платежей per-rail + локализованное сообщение + per-user override (этап E11). Фискализация
+(B4) — кабинетная на стороне Robokassa, itemized-код не делаем (решение владельца).
+
 ## План внедрения (черновик PLAN.md — «слоями»)

 Владелец выбрал слоёную стратегию: сначала вся механика без реальных денег (обкатка
@@ -57,6 +57,21 @@
 в контексте VK; Stars — только внутри Telegram; Фишки от Robokassa (`direct`) — только вне
 сторов. См. §4.

+**Мультимагазинный direct-рельс (D42).** Рельс `direct` маршрутизирует в отдельный магазин
+Robokassa **на канал** — `web` и `android` (RuStore), позже `ios` — по трастовому подтипу
+`X-Platform`; каждый магазин зачисляет в единый кошелёк `direct` (отдельных кошельков на канал нет).
+Это разделение merchant-аккаунтов только для учёта / чеков: заказ хранит свой `shop` (виден в
+админ-отчёте), а Result-колбэк каждого магазина проверяется своим Password2 по
+`/pay/robokassa/result/<channel>`. В standalone-приложениях (Android/iOS) вход только по email, поэтому
+у direct-покупки всегда есть email-якорь D36 (D43). Фискализация (54-ФЗ через кабинет Robokassa под
+одним ИП) — один источник независимо от числа магазинов (D41).
+
+**Рубильник платежей (D45/D46).** Оператор выключает покупки на рельсе/канале (`direct:web` /
+`direct:android` / `vk` / `telegram`) или для одного аккаунта, живьём из `/_gm`, и юзер на следующей
+попытке видит локализованную причину (`payment_unavailable`, едет на аддитивном
+`ExecuteResponse.message`). **Fail-open:** рельс без строки статуса — включён. Per-account `allow`
+обходит только этот ops-рубильник, не security-гейты (D46).
+
 ## 3. Три операции, которые нельзя путать

 Не смешивать — у них разные ключи:
@@ -498,10 +498,15 @@ type robokassaResultResp struct {

 // RobokassaResult forwards a Robokassa Result callback's parameters to the backend intake (the
 // single writer, which verifies the signature and credits) and returns the body to echo to
-// Robokassa ("OK<InvId>"). params carries the provider's raw form fields.
-func (c *Client) RobokassaResult(ctx context.Context, params map[string]string) (string, error) {
+// Robokassa ("OK<InvId>"). params carries the provider's raw form fields; channel selects the
+// per-shop signature verifier (empty → the web shop).
+func (c *Client) RobokassaResult(ctx context.Context, channel string, params map[string]string) (string, error) {
 	var out robokassaResultResp
-	err := c.do(ctx, http.MethodPost, "/api/v1/internal/payments/robokassa/result", "", "", params, &out)
+	path := "/api/v1/internal/payments/robokassa/result"
+	if channel != "" {
+		path += "?channel=" + url.QueryEscape(channel)
+	}
+	err := c.do(ctx, http.MethodPost, path, "", "", params, &out)
 	return out.Response, err
 }

@@ -0,0 +1,47 @@
+package connectsrv
+
+import "net/http"
+
+// nativeWebViewOrigins are the browser Origins of the packaged native apps. Capacitor serves the
+// bundled SPA from a localhost scheme, so its Connect calls to the gateway are cross-origin; the web
+// app is same-origin and needs no entry. Requests carry Authorization, so the allowlist reflects the
+// exact origin rather than "*".
+var nativeWebViewOrigins = map[string]bool{
+	"https://localhost":     true, // Capacitor Android (default https scheme)
+	"http://localhost":      true, // Capacitor with the http scheme
+	"capacitor://localhost": true, // Capacitor iOS default scheme
+}
+
+// withNativeCORS answers the CORS preflight and adds the CORS response headers for the packaged
+// native apps' cross-origin calls to the Connect edge. Without it the WebView blocks every RPC on the
+// preflight (the gateway otherwise returns 405 with no Access-Control-Allow-Origin), so a native
+// build can never reach the gateway and stays stuck offline. Same-origin (web) and any non-native
+// origin are untouched.
+func withNativeCORS(next http.Handler) http.Handler {
+	return http.HandlerFunc(func(w http.ResponseWriter, r *http.Request) {
+		origin := r.Header.Get("Origin")
+		if nativeWebViewOrigins[origin] {
+			h := w.Header()
+			h.Set("Access-Control-Allow-Origin", origin)
+			h.Add("Vary", "Origin")
+			h.Set("Access-Control-Allow-Credentials", "true")
+			// The client interceptor reads the soft-tier update signal off the response.
+			h.Set("Access-Control-Expose-Headers", "X-Update-Recommended")
+			if r.Method == http.MethodOptions {
+				h.Set("Access-Control-Allow-Methods", "GET, POST, OPTIONS")
+				// Reflect the requested headers (the origin is already allowlisted): the Connect client
+				// sends Connect-Protocol-Version / Connect-Timeout-Ms plus X-Client-Version and
+				// Authorization, and the exact set varies by call.
+				if reqHeaders := r.Header.Get("Access-Control-Request-Headers"); reqHeaders != "" {
+					h.Set("Access-Control-Allow-Headers", reqHeaders)
+				} else {
+					h.Set("Access-Control-Allow-Headers", "Content-Type, Connect-Protocol-Version, X-Client-Version, Authorization")
+				}
+				h.Set("Access-Control-Max-Age", "86400")
+				w.WriteHeader(http.StatusNoContent)
+				return
+			}
+		}
+		next.ServeHTTP(w, r)
+	})
+}
@@ -0,0 +1,54 @@
+package connectsrv
+
+import (
+	"net/http"
+	"net/http/httptest"
+	"testing"
+)
+
+func TestWithNativeCORS(t *testing.T) {
+	next := http.HandlerFunc(func(w http.ResponseWriter, r *http.Request) { w.WriteHeader(http.StatusOK) })
+	h := withNativeCORS(next)
+
+	// Native-origin preflight → 204 with the CORS headers, reflecting the requested headers, without
+	// reaching the inner handler.
+	req := httptest.NewRequest(http.MethodOptions, "/scrabble.edge.v1.Gateway/Execute", nil)
+	req.Header.Set("Origin", "https://localhost")
+	req.Header.Set("Access-Control-Request-Method", "POST")
+	req.Header.Set("Access-Control-Request-Headers", "content-type,connect-protocol-version,x-client-version")
+	rec := httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	if rec.Code != http.StatusNoContent {
+		t.Fatalf("preflight status = %d, want 204", rec.Code)
+	}
+	if got := rec.Header().Get("Access-Control-Allow-Origin"); got != "https://localhost" {
+		t.Errorf("Allow-Origin = %q, want https://localhost", got)
+	}
+	if got := rec.Header().Get("Access-Control-Allow-Headers"); got != "content-type,connect-protocol-version,x-client-version" {
+		t.Errorf("Allow-Headers = %q, want the reflected set", got)
+	}
+
+	// Native-origin POST → the CORS headers are set and the inner handler runs.
+	req = httptest.NewRequest(http.MethodPost, "/scrabble.edge.v1.Gateway/Execute", nil)
+	req.Header.Set("Origin", "capacitor://localhost")
+	rec = httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("POST status = %d, want 200 (passed through)", rec.Code)
+	}
+	if got := rec.Header().Get("Access-Control-Allow-Origin"); got != "capacitor://localhost" {
+		t.Errorf("POST Allow-Origin = %q, want capacitor://localhost", got)
+	}
+
+	// A non-native origin gets no CORS headers and still passes through (web is same-origin anyway).
+	req = httptest.NewRequest(http.MethodPost, "/scrabble.edge.v1.Gateway/Execute", nil)
+	req.Header.Set("Origin", "https://evil.example")
+	rec = httptest.NewRecorder()
+	h.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("non-native POST status = %d, want 200", rec.Code)
+	}
+	if got := rec.Header().Get("Access-Control-Allow-Origin"); got != "" {
+		t.Errorf("non-native Allow-Origin = %q, want empty", got)
+	}
+}
@@ -0,0 +1,17 @@
+package connectsrv
+
+import "testing"
+
+func TestRobokassaChannel(t *testing.T) {
+	cases := map[string]string{
+		"/pay/robokassa/result":         "", // legacy bare path → the backend defaults to the web shop
+		"/pay/robokassa/result/":        "", // trailing slash, no channel → the web default
+		"/pay/robokassa/result/web":     "web",
+		"/pay/robokassa/result/android": "android",
+	}
+	for path, want := range cases {
+		if got := robokassaChannel(path); got != want {
+			t.Errorf("robokassaChannel(%q) = %q, want %q", path, got, want)
+		}
+	}
+}
@@ -274,8 +274,11 @@ func (s *Server) HTTPHandler() http.Handler {
 	mux.Handle("/dict/", s.dictBytesHandler())
 	mux.Handle("/dl/", s.exportDownloadHandler())
 	// Direct-rail (Robokassa) return + callback routes: the server Result callback (the single
-	// crediting signal, proxied to the backend intake) and the browser Success/Fail redirects.
+	// crediting signal, proxied to the backend intake) and the browser Success/Fail redirects. The
+	// per-shop callback rides a channel suffix (/pay/robokassa/result/<channel>); the bare path is
+	// the legacy web shop. Caddy's /pay/* matcher already forwards both, so no Caddyfile change.
 	mux.Handle("/pay/robokassa/result", s.robokassaResultHandler())
+	mux.Handle("/pay/robokassa/result/", s.robokassaResultHandler())
 	mux.Handle("/pay/vk/callback", s.vkCallbackHandler())
 	mux.Handle("/pay/robokassa/success", s.robokassaReturnHandler("Оплата принята."))
 	mux.Handle("/pay/robokassa/fail", s.robokassaReturnHandler("Оплата не завершена."))
@@ -299,7 +302,7 @@ func (s *Server) HTTPHandler() http.Handler {
 	// honeypot hit is turned away before the body cap and the mux. Every request
 	// body on the public listener is then capped (the admin proxy POSTs included);
 	// the h2c server carries explicit stream/idle sizing.
-	return h2c.NewHandler(s.abuseGuard(maxBodyHandler(s.maxBodyBytes, mux)), &http2.Server{
+	return h2c.NewHandler(s.abuseGuard(withNativeCORS(maxBodyHandler(s.maxBodyBytes, mux))), &http2.Server{
 		MaxConcurrentStreams: h2cMaxConcurrentStreams,
 		IdleTimeout:          h2cIdleTimeout,
 	})
@@ -469,6 +472,7 @@ func (s *Server) Execute(ctx context.Context, req *connect.Request[edgev1.Execut
 			return connect.NewResponse(&edgev1.ExecuteResponse{
 				RequestId:  req.Msg.GetRequestId(),
 				ResultCode: code,
+				Message:    transcode.DomainMessage(err),
 			}), nil
 		}
 		s.log.Error("execute failed", zap.String("message_type", msgType), zap.Error(err))
@@ -637,6 +641,21 @@ func (s *Server) exportDownloadHandler() http.Handler {
 	})
 }

+// robokassaResultPrefix is the channel-suffixed Result path; the segment after it names the
+// per-shop channel (matches the direct-rail X-Platform subtype: "web", "android").
+const robokassaResultPrefix = "/pay/robokassa/result/"
+
+// robokassaChannel extracts the shop channel from a Result callback path: the segment after
+// robokassaResultPrefix, or "" for the legacy bare /pay/robokassa/result (the backend then defaults
+// to the web shop). The backend selects the per-shop signature verifier from it.
+func robokassaChannel(path string) string {
+	rest := strings.TrimPrefix(path, robokassaResultPrefix)
+	if rest == path {
+		return ""
+	}
+	return rest
+}
+
 // robokassaResultHandler proxies the Robokassa Result callback to the backend intake (the single
 // writer). It rate-limits per IP, forwards the provider's form parameters, and echoes the backend's
 // "OK<InvId>" to Robokassa on success; any error tells Robokassa the notification was not accepted,
@@ -661,7 +680,7 @@ func (s *Server) robokassaResultHandler() http.Handler {
 		for k := range r.Form {
 			params[k] = r.Form.Get(k)
 		}
-		resp, err := s.backend.RobokassaResult(r.Context(), params)
+		resp, err := s.backend.RobokassaResult(r.Context(), robokassaChannel(r.URL.Path), params)
 		if err != nil {
 			s.log.Warn("robokassa result proxy failed", zap.Error(err))
 			http.Error(w, "not accepted", http.StatusBadGateway)
@@ -189,6 +189,17 @@ func (r *Registry) Lookup(messageType string) (Op, bool) {
 	return op, ok
 }

+// DomainMessage returns the human-readable, already-localized reason a backend domain error carries
+// for the user (e.g. an operator's payment-unavailable explanation), or "" when it carries none. It
+// rides the Execute envelope's message field alongside the result code.
+func DomainMessage(err error) string {
+	var apiErr *backendclient.APIError
+	if errors.As(err, &apiErr) {
+		return apiErr.Message
+	}
+	return ""
+}
+
 // DomainCode maps an error to a stable result code to surface in the Execute
 // envelope, reporting false for an unexpected error the caller should treat as a
 // transport-level internal failure.
@@ -94,10 +94,14 @@ func (x *ExecuteRequest) GetRequestId() string {
 // ExecuteResponse is the unary reply. result_code is "ok" on success or a stable
 // error code; payload is the FlatBuffers-encoded response body (empty on error).
 type ExecuteResponse struct {
-	state         protoimpl.MessageState `protogen:"open.v1"`
-	RequestId     string                 `protobuf:"bytes,1,opt,name=request_id,json=requestId,proto3" json:"request_id,omitempty"`
-	ResultCode    string                 `protobuf:"bytes,2,opt,name=result_code,json=resultCode,proto3" json:"result_code,omitempty"`
-	Payload       []byte                 `protobuf:"bytes,3,opt,name=payload,proto3" json:"payload,omitempty"`
+	state      protoimpl.MessageState `protogen:"open.v1"`
+	RequestId  string                 `protobuf:"bytes,1,opt,name=request_id,json=requestId,proto3" json:"request_id,omitempty"`
+	ResultCode string                 `protobuf:"bytes,2,opt,name=result_code,json=resultCode,proto3" json:"result_code,omitempty"`
+	Payload    []byte                 `protobuf:"bytes,3,opt,name=payload,proto3" json:"payload,omitempty"`
+	// message is an optional, already-localized human-readable reason a domain outcome may carry for
+	// the user (e.g. a payment-unavailable explanation set by an operator). Additive and
+	// frozen-contract-safe; empty for the common case where result_code alone suffices.
+	Message       string `protobuf:"bytes,4,opt,name=message,proto3" json:"message,omitempty"`
 	unknownFields protoimpl.UnknownFields
 	sizeCache     protoimpl.SizeCache
 }
@@ -153,6 +157,13 @@ func (x *ExecuteResponse) GetPayload() []byte {
 	return nil
 }

+func (x *ExecuteResponse) GetMessage() string {
+	if x != nil {
+		return x.Message
+	}
+	return ""
+}
+
 // SubscribeRequest opens the live stream. It is empty: the session is taken from
 // the Authorization header.
 type SubscribeRequest struct {
@@ -262,13 +273,14 @@ const file_edge_v1_edge_proto_rawDesc = "" +
 	"\fmessage_type\x18\x01 \x01(\tR\vmessageType\x12\x18\n" +
 	"\apayload\x18\x02 \x01(\fR\apayload\x12\x1d\n" +
 	"\n" +
-	"request_id\x18\x03 \x01(\tR\trequestId\"k\n" +
+	"request_id\x18\x03 \x01(\tR\trequestId\"\x85\x01\n" +
 	"\x0fExecuteResponse\x12\x1d\n" +
 	"\n" +
 	"request_id\x18\x01 \x01(\tR\trequestId\x12\x1f\n" +
 	"\vresult_code\x18\x02 \x01(\tR\n" +
 	"resultCode\x12\x18\n" +
-	"\apayload\x18\x03 \x01(\fR\apayload\"\x12\n" +
+	"\apayload\x18\x03 \x01(\fR\apayload\x12\x18\n" +
+	"\amessage\x18\x04 \x01(\tR\amessage\"\x12\n" +
 	"\x10SubscribeRequest\"P\n" +
 	"\x05Event\x12\x12\n" +
 	"\x04kind\x18\x01 \x01(\tR\x04kind\x12\x18\n" +
@@ -35,6 +35,10 @@ message ExecuteResponse {
  string request_id = 1;
  string result_code = 2;
  bytes payload = 3;
+  // message is an optional, already-localized human-readable reason a domain outcome may carry for
+  // the user (e.g. a payment-unavailable explanation set by an operator). Additive and
+  // frozen-contract-safe; empty for the common case where result_code alone suffices.
+  string message = 4;
 }

 // SubscribeRequest opens the live stream. It is empty: the session is taken from
@@ -24,6 +24,17 @@ allprojects {
    }
 }

+// Pin build-tools to the compileSdk-matching version for every Android module (the app + the
+// Capacitor modules regenerated by `cap sync`), so AGP does not fall back to its default (35.0.0),
+// which the provisioned / read-only CI SDK does not have installed.
+subprojects {
+    afterEvaluate {
+        if (project.hasProperty('android')) {
+            android.buildToolsVersion = "36.0.0"
+        }
+    }
+}
+
 task clean(type: Delete) {
    delete rootProject.buildDir
 }
@@ -43,20 +43,22 @@ test.describe('native offline-first', () => {
    await page.goto('/');
    await expectOfflineGuestLobby(page);

-    // Play a local English vs_ai game with a pinned bag seed (deals the rack NEWYMAO). The dictionary
-    // comes from the APK's bundled tier (./dict/scrabble_en@dev.dawg served from dist-e2e), so no
-    // network is needed — this is the device-local guest playing with zero connectivity.
+    // Play a local Erudit vs_ai game with a pinned bag seed (deals the rack ОЖЬЯНАО). Erudit is the
+    // only variant the profileless offline guest is offered (the new-account default), so the single
+    // `.variant` click both selects it and asserts nothing else is on offer. The dictionary comes from
+    // the APK's bundled tier (./dict/ru_erudit@dev.dawg served from dist-e2e), so no network is needed
+    // — this is the device-local guest playing with zero connectivity.
    await page.evaluate(() => (window as unknown as { __mock: { setLocalSeed(s: string): void } }).__mock.setLocalSeed('1'));
    await page.locator('button.tab').nth(0).click();
-    await page.locator('.variant', { hasText: 'Scrabble' }).click();
+    await page.locator('.variant').click();
    await page.locator('button.invite').click();
    await expect(page.locator('[data-cell]').first()).toBeVisible();

-    // The human plays WAY horizontally across the centre (7,5)-(7,7); the local robot replies with a
-    // real move (which needs the bundled dictionary), so the board gains tiles beyond WAY's three.
-    await placeTile(page, 'W', 7, 5);
-    await placeTile(page, 'A', 7, 6);
-    await placeTile(page, 'Y', 7, 7);
+    // The human plays НОЖ horizontally across the centre (7,5)-(7,7); the local robot replies with a
+    // real move (which needs the bundled dictionary), so the board gains tiles beyond НОЖ's three.
+    await placeTile(page, 'Н', 7, 5);
+    await placeTile(page, 'О', 7, 6);
+    await placeTile(page, 'Ж', 7, 7);
    await expect(page.locator('[data-cell].pending')).toHaveCount(3);
    await page.locator('.make').click();
    await expect(async () => {
@@ -95,14 +97,15 @@ test.describe('native offline-first', () => {
    await expectOfflineGuestLobby(page);

    // New game -> the offline mode selector offers "with friends" (pass-and-play) to the local guest.
-    // A minimal create: set the mandatory host (master) PIN, decline a seat, English, two open seats.
+    // A minimal create: set the mandatory host (master) PIN, decline a seat, the sole offered variant
+    // (Erudit — the profileless guest's default), two open seats.
    await page.locator('button.tab').nth(0).click();
    await page.getByRole('button', { name: /With friends|друзьями/i }).click();
    await page.locator('.hostpin .plink').click();
    await typePin(page, '9999');
    await typePin(page, '9999');
    await page.getByRole('button', { name: /^(No|Нет)$/ }).click();
-    await page.locator('.variant', { hasText: 'Scrabble' }).click();
+    await page.locator('.variant').click();
    await page.locator('.pname').nth(0).fill('Ann');
    await page.locator('.pname').nth(1).fill('Bob');
    await page.locator('button.invite').click();
@@ -17,7 +17,7 @@ import type { Message } from "@bufbuild/protobuf";
 * Describes the file edge/v1/edge.proto.
 */
 export const file_edge_v1_edge: GenFile = /*@__PURE__*/
-  fileDesc("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");
+  fileDesc("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");

 /**
 * ExecuteRequest is the unary envelope. message_type selects the operation;
@@ -71,6 +71,15 @@ export type ExecuteResponse = Message<"scrabble.edge.v1.ExecuteResponse"> & {
   * @generated from field: bytes payload = 3;
   */
  payload: Uint8Array;
+
+  /**
+   * message is an optional, already-localized human-readable reason a domain outcome may carry for
+   * the user (e.g. a payment-unavailable explanation set by an operator). Additive and
+   * frozen-contract-safe; empty for the common case where result_code alone suffices.
+   *
+   * @generated from field: string message = 4;
+   */
+  message: string;
 };

 /**
@@ -118,7 +118,9 @@ export function createTransport(baseUrl: string): GatewayClient {
      maintenanceRecovered();
      if (res.resultCode && res.resultCode !== 'ok') {
        if (res.resultCode === UPDATE_REQUIRED && !opts?.silent) reportUpdateRequired();
-        throw new GatewayError(res.resultCode);
+        // Carry the envelope's optional human-readable message (e.g. an operator's payment-unavailable
+        // explanation) so a caller that shows it to the user has the localized text.
+        throw new GatewayError(res.resultCode, res.message || undefined);
      }
      return res.payload;
    }
@@ -2,6 +2,7 @@ import { describe, it, expect } from 'vitest';

 import {
  ALL_VARIANTS,
+  DEFAULT_VARIANTS,
  availableVariants,
  supportsMultipleWordsToggle,
  multipleWordsForRequest,
@@ -16,9 +17,11 @@ describe('ALL_VARIANTS', () => {
 });

 describe('availableVariants', () => {
-  it('is ungated (all variants) for an empty or absent preference set', () => {
-    expect(availableVariants([])).toEqual(ALL_VARIANTS);
-    expect(availableVariants(undefined)).toEqual(ALL_VARIANTS);
+  it('falls back to the Erudit-only default for an empty or absent preference set', () => {
+    const fallback = ALL_VARIANTS.filter((v) => DEFAULT_VARIANTS.includes(v.id));
+    expect(fallback.map((v) => v.id)).toEqual(['erudit_ru']);
+    expect(availableVariants([])).toEqual(fallback);
+    expect(availableVariants(undefined)).toEqual(fallback);
  });

  it('offers only the preferred variants', () => {
@@ -62,13 +62,23 @@ export function usesStarBlank(v: Variant): boolean {
  return v === 'erudit_ru';
 }

-// availableVariants gates ALL_VARIANTS by the player's variant preferences (the set
-// they enabled in Settings). An empty or absent set is ungated (returns every variant)
-// — a safety fallback; a real profile always carries at least one preference.
+// DEFAULT_VARIANTS is the variant set a player sees before any preference is stored — a fresh
+// or offline native client whose profile has not been synced yet (the device-local guest boots
+// with no profile at all). It mirrors the backend's new-account default (the account service
+// seeds Erudit only), so the local guest and a later synced account agree on what is enabled.
+// Every dictionary is still bundled; the other variants are simply off until the player turns
+// them on in Settings.
+export const DEFAULT_VARIANTS: Variant[] = ['erudit_ru'];
+
+// availableVariants gates ALL_VARIANTS by the player's variant preferences (the set they
+// enabled in Settings). An empty or absent set falls back to DEFAULT_VARIANTS rather than every
+// variant: a real profile always carries at least one preference, and a profileless client (a
+// fresh offline native launch) must match the server's Erudit-only default instead of exposing
+// the English game before the player opts in.
 export function availableVariants(preferences: Variant[] | undefined): VariantOption[] {
  const prefs = preferences ?? [];
-  if (prefs.length === 0) return ALL_VARIANTS;
-  return ALL_VARIANTS.filter((v) => prefs.includes(v.id));
+  const effective = prefs.length === 0 ? DEFAULT_VARIANTS : prefs;
+  return ALL_VARIANTS.filter((v) => effective.includes(v.id));
 }

 // supportsMultipleWordsToggle reports whether the New Game "multiple words per turn" toggle
@@ -200,7 +200,13 @@
        openExternalUrl(order.redirectUrl);
      }
    } catch (e) {
-      handleError(e);
+      // A rail kill switch (or a per-account block) returns payment_unavailable with an operator's
+      // localized explanation — show it to the user instead of the generic error.
+      if (e instanceof GatewayError && e.code === 'payment_unavailable') {
+        showToast(e.message);
+      } else {
+        handleError(e);
+      }
    } finally {
      busyId = null;
    }