PLAN.md

@@ -39,10 +39,12 @@ 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+ | TODO |
 
 **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 +894,92 @@ tournament-entry storage + pricing design.
 
 ---
 
+## E10 — Multi-shop direct rail + ИП fiscalization
+
+**Status:** TODO · **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) — orthogonal, gated on the owner's ИП/ОФД/СНО.**
+
+- **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.
+
+---
+
 ## Verification & CI (all stages)
 
 - Per-stage tests at the layers above; **compliance-gate regression is mandatory** (a

backend/internal/adminconsole/templates/pages/user_detail.gohtml

@@ -76,10 +76,10 @@
 {{$uid := .ID}}
 {{if .Finance.Ledger}}
 <table class="list">
-<thead><tr><th>Time</th><th>Kind</th><th>Source</th><th>Origin</th><th>Chips</th><th>Order</th><th>Provider</th><th>Detail</th><th></th></tr></thead>
+<thead><tr><th>Time</th><th>Kind</th><th>Source</th><th>Origin</th><th>Chips</th><th>Order</th><th>Provider</th><th>Shop</th><th>Detail</th><th></th></tr></thead>
 <tbody>
 {{range .Finance.Ledger}}
-<tr><td>{{.At}}</td><td>{{.Kind}}</td><td>{{.Source}}</td><td>{{.Origin}}</td><td>{{.ChipsDelta}}</td><td>{{if .Order}}<code>{{.Order}}</code>{{end}}</td><td>{{.Provider}}</td><td>{{if .Snapshot}}<code>{{.Snapshot}}</code>{{end}}</td>
+<tr><td>{{.At}}</td><td>{{.Kind}}</td><td>{{.Source}}</td><td>{{.Origin}}</td><td>{{.ChipsDelta}}</td><td>{{if .Order}}<code>{{.Order}}</code>{{end}}</td><td>{{.Provider}}</td><td>{{.Shop}}</td><td>{{if .Snapshot}}<code>{{.Snapshot}}</code>{{end}}</td>
 <td>{{if and (eq .Kind "fund") .Order}}<form class="form" method="post" action="/_gm/users/{{$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>

backend/internal/adminconsole/views.go

@@ -232,8 +232,8 @@ 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 +242,7 @@ type LedgerRow struct {
 	Product    string
 	Order      string
 	Provider   string
+	Shop       string
 	Snapshot   string
 	At         string
 }

backend/internal/config/config.go

@@ -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",
+	}
+}

backend/internal/payments/service_intake.go

@@ -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).

backend/internal/payments/statement.go

@@ -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
 }

backend/internal/payments/store_intake.go

@@ -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)

backend/internal/payments/store_statement.go

@@ -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

backend/internal/postgres/jet/payments/model/orders.go

@@ -25,4 +25,5 @@ type Orders struct {
 	ProviderPaymentID *string
 	CreatedAt         time.Time
 	UpdatedAt         time.Time
+	Shop              string
 }

backend/internal/postgres/jet/payments/table/orders.go

@@ -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,

backend/internal/postgres/migrations/00015_orders_shop.sql

@@ -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;

backend/internal/robokassa/shops.go

@@ -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
+}

backend/internal/robokassa/shops_test.go

@@ -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")
+	}
+}

backend/internal/server/handlers.go

@@ -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)
 		}
 	}

backend/internal/server/handlers_admin_console.go

@@ -482,7 +482,7 @@ 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),
 		})
 	}

backend/internal/server/handlers_intake.go

@@ -12,6 +12,7 @@ import (
 	"go.uber.org/zap"
 
 	"scrabble/backend/internal/payments"
+	"scrabble/backend/internal/robokassa"
 )
 
 // Ledger/order provider tags per rail.
@@ -68,7 +69,8 @@ func (s *Server) handleWalletOrder(c *gin.Context) {
 	}
 	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 +91,7 @@ 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 +138,16 @@ 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")

backend/internal/server/server.go

@@ -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

deploy/.env.example

@@ -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

deploy/README.md

@@ -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

deploy/docker-compose.yml

@@ -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

docs/PAYMENTS.md

@@ -57,6 +57,15 @@ 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).
+
 ## 3. Three operations, kept distinct
 
 Do not conflate these — they use different keys:

docs/PAYMENTS_DECISIONS_ru.md

@@ -234,11 +234,40 @@ 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).
 
 ## Заметки к оформлению документов
 
@@ -254,10 +283,15 @@ 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-D44)
 
 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. Реализация — новый этап E10 в `PLAN.md`.
+
 ## План внедрения (черновик PLAN.md — «слоями»)
 
 Владелец выбрал слоёную стратегию: сначала вся механика без реальных денег (обкатка

docs/PAYMENTS_ru.md

@@ -57,6 +57,15 @@
 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).
+
 ## 3. Три операции, которые нельзя путать
 
 Не смешивать — у них разные ключи:

gateway/internal/backendclient/api.go

@@ -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
 }
 

gateway/internal/connectsrv/robokassa_channel_test.go

@@ -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)
+		}
+	}
+}

gateway/internal/connectsrv/server.go

@@ -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."))
@@ -637,6 +640,21 @@ 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 +679,7 @@ 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)