﻿function paymentGatewayGroups(): array {
    return [
        'mobile'     => ['label' => 'Mobile Money & Networks', 'icon' => '≡ƒô▒', 'ink' => '#047857', 'tint' => '#ecfdf5'],
        'bank'       => ['label' => 'Banks',                  'icon' => '≡ƒÅª', 'ink' => '#0b3d91', 'tint' => '#eef2fb'],
        'aggregator' => ['label' => 'Aggregators & Other',    'icon' => '≡ƒÆ│', 'ink' => '#6d28d9', 'tint' => '#f5f3ff'],
        'test'       => ['label' => 'Test / Sandbox',         'icon' => '≡ƒº¬', 'ink' => '#7c3aed', 'tint' => '#f5f3ff'],
    ];
}

/**
 * The payment methods this system offers, in the order a payer should see them.
 * Mobile money networks (M-Pesa, Airtel Money, Mixx by Yas, Halopesa), a generic
 * "any bank" transfer, and the main banks (NMB, CRDB, NBC) are offered; the
 * school switches on the ones it has an account with in the Control Panel.
 * 'mock' is the built-in TEST
 * simulator, offered only while the school is in TEST
