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Just documenting here to keep in mind.
The gateway fetches stored payments associated to a contact. This means that only a logged in user should be able to see their stored payments.
Atm, the gateway is locked out to un-authenticated users simply due to fetching country records permissions.
We need to either embed a login form or prompt the user to login if they want to have access to their stored payments.
Though paying should not be restricted to authenticated users.