feat(core): add intent_fulfillment_time configuration to temp locker

[Sakilmostak]

Type of Change

• Bugfix
• New feature
• Enhancement
• Refactoring
• Dependency updates
• Documentation
• CI/CD

Description

Currently when payout_method_data is saved in redis, the expiry is set to default time i.e 15 minutes.

For merchant, they might want the fulfillment time to be greater than the default time for their business requirement.

To resolve it, we need to add a configuration which can give merchant leverage to set fulfillment time based on their requirement.

Note: A field called intent_fulfillment_time is already present in business profile which can be used to infer the data.

Additional Changes

• This PR modifies the API contract
• This PR modifies the database schema
• This PR modifies application configuration/environment variables

Motivation and Context

How did you test it?

Tested through Postman:

• Create an MCA(Paypal Payout):
• Update Profile with intent_fulfillment_time to 60 seconds

{
    "intent_fulfillment_time": 1800
}

Case 1:

• Create an Payout Create API call with

{
    "amount": 1,
    "currency": "EUR",
    "customer_id": "payout_customer",
    "email": "payout_customer@example.com",
    "name": "John Doe",
    "phone": "999999999",
    "phone_country_code": "+65",
    "description": "Its my first payout request",
    "payout_type": "wallet",
    
    "payout_method_data": {
        "wallet": {
            "paypal": {
                
                "telephone_number": "16608213349"
            }
        }
    },
    "billing": {
        "address": {
            "line1": "1467",
            "line2": "Harrison Street",
            "line3": "Harrison Street",
            "city": "San Fransico",
            "state": "NY",
            "zip": "94122",
            "country": "US",
            "first_name": "John",
            "last_name": "Doe"
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        }
    },
    "entity_type": "NaturalPerson",
    "recurring": false,
    "metadata": {
        "ref": "123"
    },
    "confirm": true,
    "auto_fulfill": false
}

• Do a fulfillment API call before 1 mins

curl --location '{{baseUrl}}/payouts/{{payout_id}}/fulfill' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key:{{api-key}}' \
--data '{
    "payout_id": "{{payout_id}}"
}'

Case 2:

• Create an Payout Create API call with

{
    "amount": 1,
    "currency": "EUR",
    "customer_id": "payout_customer",
    "email": "payout_customer@example.com",
    "name": "John Doe",
    "phone": "999999999",
    "phone_country_code": "+65",
    "description": "Its my first payout request",
    "payout_type": "wallet",
    
    "payout_method_data": {
        "wallet": {
            "paypal": {
                
                "telephone_number": "16608213349"
            }
        }
    },
    "billing": {
        "address": {
            "line1": "1467",
            "line2": "Harrison Street",
            "line3": "Harrison Street",
            "city": "San Fransico",
            "state": "NY",
            "zip": "94122",
            "country": "US",
            "first_name": "John",
            "last_name": "Doe"
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        }
    },
    "entity_type": "NaturalPerson",
    "recurring": false,
    "metadata": {
        "ref": "123"
    },
    "confirm": true,
    "auto_fulfill": false
}

• Do a fulfillment API call before 1 mins

curl --location '{{baseUrl}}/payouts/{{payout_id}}/fulfill' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key:{{api-key}}' \
--data '{
    "payout_id": "{{payout_id}}"
}'

Response should be following:

{
    "payout_id": "payout_w7wQTSh1IyRg7nLD4D9S",
    "merchant_id": "merchant_1767966875",
    "merchant_order_reference_id": null,
    "amount": 1,
    "currency": "EUR",
    "connector": "paypal",
    "payout_type": "wallet",
    "payout_method_data": {
        "wallet": {
            "email": null,
            "telephone_number": "*********49",
            "paypal_id": null
        }
    },
    "billing": {
        "address": {
            "city": "San Fransico",
            "country": "US",
            "line1": "1467",
            "line2": "Harrison Street",
            "line3": "Harrison Street",
            "zip": "94122",
            "state": "NY",
            "first_name": "John",
            "last_name": "Doe",
            "origin_zip": null
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        },
        "email": null
    },
    "auto_fulfill": false,
    "customer_id": "payout_customer",
    "customer": {
        "id": "payout_customer",
        "name": "John Doe",
        "email": "payout_customer@example.com",
        "phone": "999999999",
        "phone_country_code": "+65"
    },
    "client_secret": "payout_payout_w7wQTSh1IyRg7nLD4D9S_secret_pC5LX2a1KeKFLkI58ec9",
    "return_url": null,
    "business_country": null,
    "business_label": null,
    "description": "Its my first payout request",
    "entity_type": "NaturalPerson",
    "recurring": false,
    "metadata": {
        "ref": "123"
    },
    "merchant_connector_id": "mca_vEfkChGn7N93ms0GIhFH",
    "status": "pending",
    "error_message": null,
    "error_code": null,
    "profile_id": "pro_srNadb4ZbWJygpg9P2G4",
    "created": "2026-01-12T09:04:14.880Z",
    "connector_transaction_id": "7VLZM6SQE35UU",
    "priority": null,
    "payout_link": null,
    "email": "payout_customer@example.com",
    "name": "John Doe",
    "phone": "999999999",
    "phone_country_code": "+65",
    "unified_code": null,
    "unified_message": null,
    "payout_method_id": null
}

Response should be following :

{
    "error": {
        "type": "invalid_request",
        "message": "Token is invalid or expired",
        "code": "IR_29"
    }
}

Checklist

• I formatted the code cargo +nightly fmt --all
• I addressed lints thrown by cargo clippy
• I reviewed the submitted code
• I added unit tests for my changes where possible

[semanticdiff-com]

Review changes with  

Changed Files

File	Status
crates/router/src/core/payment_methods/vault.rs	2% smaller
crates/router/src/core/authentication/utils.rs	Unsupported file format
crates/router/src/core/payment_methods/cards.rs	0% smaller
crates/router/src/core/payouts/helpers.rs	0% smaller
crates/router/src/core/unified_authentication_service/utils.rs	Unsupported file format
crates/router/src/core/webhooks/incoming.rs	0% smaller

[codecov]

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