@fantastic.dev/better-stripe 0.21.0 → 0.22.0

package/src/client/connect/payoutExecution.test.ts

@@ -0,0 +1,504 @@
+// @vitest-environment edge-runtime
+import { convexTest } from "convex-test";
+import { makeFunctionReference } from "convex/server";
+import { expect, it, vi } from "vitest";
+import type Stripe from "stripe";
+import schema from "../../component/schema.js";
+import type { Component, RunCtx } from "../helpers.js";
+import { releaseRecipientPayout } from "./payoutExecution.js";
+const modules = import.meta.glob("../../component/**/*.*s");
+const symbol = Symbol.for("toReferencePath");
+const component = {
+  payoutPolicy: {
+    queries: { get: { [symbol]: "betterStripe/payoutPolicy/queries/get" } },
+  },
+} as unknown as Component;
+const scope = {
+  accountId: "acct_recipient",
+  ownerKey: "owner",
+  operationKey: "release-1",
+  currency: "usd",
+  independentLiabilities: 0,
+};
+async function setup(amounts = [600, 400]) {
+  const t = convexTest(schema, modules);
+  await t.run(async (ctx) => {
+    await ctx.db.insert("payoutPolicies", {
+      accountId: scope.accountId,
+      ownerKey: scope.ownerKey,
+      mode: "custom",
+      status: "ready",
+      revision: 0,
+      operationKey: "enable",
+      country: "US",
+      thresholds: [{ currency: "usd", amount: 1000 }],
+      holdDeadline: Date.now() + 86400000,
+    });
+    for (let i = 0; i < amounts.length; i++)
+      await ctx.db.insert("transfers", {
+        stripeTransferId: `tr_${i}`,
+        destinationAccountId: scope.accountId,
+        sourceChargeId: `ch_${i}`,
+        amount: amounts[i],
+        currency: "usd",
+        status: "paid",
+        role: i % 2 ? "affiliate" : "store",
+      });
+  });
+  const path = (ref: Record<symbol, string>) =>
+    ref[symbol].replace("betterStripe/", "").replace(/\/(\w+)$/, ":$1");
+  const ctx = {
+    runQuery: (ref: Record<symbol, string>, args: never) =>
+      t.query(makeFunctionReference<"query">(path(ref)), args),
+    runMutation: (ref: Record<symbol, string>, args: never) =>
+      t.mutation(makeFunctionReference<"mutation">(path(ref)), args),
+  } as unknown as RunCtx;
+  let transactions = amounts.map((amount, i) => ({
+    id: `txn_${i}`,
+    source: `py_${i}`,
+    amount,
+    fee: 0,
+    net: amount,
+    currency: "usd",
+    created: 100,
+    available_on: 200,
+    status: "available",
+    type: "payment",
+    exchange_rate: null,
+  }));
+  let payout: Record<string, unknown> | undefined;
+  const provider = {
+    accounts: {
+      listExternalAccounts: vi.fn(async () => ({
+        data: [
+          {
+            id: "ba_one",
+            object: "bank_account",
+            currency: "usd",
+            default_for_currency: true,
+          },
+        ],
+        has_more: false,
+      })),
+    },
+    transfers: {
+      retrieve: vi.fn(async (id: string) => {
+        const i = Number(id.slice(3));
+        return {
+          id,
+          destination: scope.accountId,
+          destination_payment: `py_${i}`,
+          source_transaction: `ch_${i}`,
+          amount: amounts[i],
+          currency: "usd",
+          amount_reversed: 0,
+        };
+      }),
+      listReversals: vi.fn(async () => ({ data: [], has_more: false })),
+    },
+    charges: {
+      retrieve: vi.fn(async (id: string) => {
+        const i = Number(id.slice(3));
+        return {
+          id,
+          source_transfer: `tr_${i}`,
+          amount: amounts[i],
+          currency: "usd",
+          paid: true,
+          status: "succeeded",
+          balance_transaction: `txn_${i}`,
+        };
+      }),
+    },
+    balanceTransactions: {
+      list: vi.fn(async (params: { source?: string; limit?: number }) => ({
+        data: params.source
+          ? transactions.filter((t) => t.source === params.source)
+          : transactions.slice(0, params.limit),
+        has_more: false,
+      })),
+      retrieve: vi.fn(async (id: string) =>
+        transactions.find((t) => t.id === id),
+      ),
+    },
+    balance: {
+      retrieve: vi.fn(async () => ({
+        available: [
+          {
+            currency: "usd",
+            amount: transactions
+              .filter((t) => t.status === "available")
+              .reduce((a, t) => a + t.net, 0),
+            source_types: {
+              card: transactions
+                .filter((t) => t.status === "available")
+                .reduce((a, t) => a + t.net, 0),
+            },
+          },
+        ],
+        pending: [],
+      })),
+    },
+    payouts: {
+      list: vi.fn(async () => ({
+        data: payout ? [payout] : [],
+        has_more: false,
+      })),
+      retrieve: vi.fn(async () => payout),
+      create: vi.fn(
+        async (params: {
+          amount: number;
+          currency: string;
+          metadata: object;
+        }) => {
+          payout = {
+            id: "po_one",
+            ...params,
+            status: "paid",
+            automatic: false,
+            method: "standard",
+            type: "bank_account",
+            source_type: "card",
+            destination: "ba_one",
+            created: Math.floor(Date.now() / 1000),
+            arrival_date: Math.floor(Date.now() / 1000),
+            balance_transaction: "txn_debit",
+            failure_balance_transaction: null,
+            reversed_by: null,
+          };
+          transactions = [
+            {
+              id: "txn_debit",
+              source: "po_one",
+              amount: -params.amount,
+              fee: 0,
+              net: -params.amount,
+              currency: "usd",
+              created: Math.floor(Date.now() / 1000),
+              available_on: Math.floor(Date.now() / 1000),
+              status: "available",
+              type: "payout",
+              exchange_rate: null,
+            },
+            ...transactions,
+          ];
+          return payout;
+        },
+      ),
+    },
+  };
+  const verify = vi.fn(async () => ({
+    status: "verified" as const,
+    policy: (await t.run((ctx) => ctx.db.query("payoutPolicies").first()))!,
+  }));
+  const run = (extra = {}) =>
+    releaseRecipientPayout(
+      provider as unknown as Stripe,
+      component,
+      ctx,
+      { ...scope, ...extra },
+      verify,
+    );
+  return {
+    t,
+    ctx,
+    provider,
+    verify,
+    run,
+    setTransactions: (rows: typeof transactions) => {
+      transactions = rows;
+    },
+    transactions: () => transactions,
+  };
+}
+it("automatically releases combined creator and affiliate funds exactly once", async () => {
+  const s = await setup();
+  expect(await s.run()).toMatchObject({
+    status: "updated",
+    claim: { status: "paid", amount: 1000 },
+  });
+  expect(s.provider.payouts.create).toHaveBeenCalledWith(
+    {
+      amount: 1000,
+      currency: "usd",
+      method: "standard",
+      source_type: "card",
+      destination: "ba_one",
+      metadata: { bsPayoutClaim: scope.operationKey },
+    },
+    {
+      stripeAccount: scope.accountId,
+      idempotencyKey: `bs:payout-release:${scope.operationKey}`,
+    },
+  );
+  await s.run();
+  expect(s.provider.payouts.create).toHaveBeenCalledTimes(1);
+  expect(
+    await s.t.run((ctx) => ctx.db.query("payoutSourceAllocations").collect()),
+  ).toMatchObject([
+    { paidAmount: 600, reservedAmount: 0 },
+    { paidAmount: 400, reservedAmount: 0 },
+  ]);
+});
+it("carries below-threshold funds forward", async () => {
+  const s = await setup([599, 400]);
+  expect(await s.run()).toMatchObject({
+    status: "held",
+    reason: "below_threshold",
+    matureUnpaid: 999,
+  });
+  expect(s.provider.payouts.create).not.toHaveBeenCalled();
+});
+it("holds unknown historical payouts rather than double paying", async () => {
+  const s = await setup();
+  s.setTransactions([
+    ...s.transactions(),
+    {
+      ...s.transactions()[0],
+      id: "txn_old",
+      source: "po_old",
+      amount: -500,
+      net: -500,
+      type: "payout",
+    },
+  ]);
+  expect(await s.run()).toMatchObject({
+    status: "held",
+    reason: "unallocated_history",
+  });
+  expect(s.provider.payouts.create).not.toHaveBeenCalled();
+});
+it("an unknown provider outcome keeps the reservation and retries reconciliation only", async () => {
+  const s = await setup();
+  s.provider.payouts.create.mockRejectedValue(new Error("timeout"));
+  await expect(s.run()).rejects.toThrow("timeout");
+  expect(await s.run()).toMatchObject({
+    status: "held",
+    reason: "payout_unidentified",
+  });
+  expect(s.provider.payouts.create).toHaveBeenCalledTimes(1);
+  expect(
+    await s.t.run((ctx) => ctx.db.query("payoutSourceAllocations").collect()),
+  ).toMatchObject([{ reservedAmount: 600 }, { reservedAmount: 400 }]);
+});
+it("rechecks live controls before the attempted marker and cancels only unattempted funds on drift", async () => {
+  const s = await setup();
+  s.verify
+    .mockResolvedValueOnce(await s.verify())
+    .mockResolvedValue({ status: "schedule_drift" } as never);
+  expect(await s.run()).toMatchObject({
+    status: "held",
+    reason: "schedule_drift",
+  });
+  expect(s.provider.payouts.create).not.toHaveBeenCalled();
+  expect(
+    await s.t.run((ctx) => ctx.db.query("payoutSourceAllocations").collect()),
+  ).toMatchObject([{ reservedAmount: 0 }, { reservedAmount: 0 }]);
+});
+it("deducts independent liabilities before qualification", async () => {
+  const s = await setup();
+  expect(await s.run({ independentLiabilities: 1 })).toMatchObject({
+    status: "held",
+    reason: "below_threshold",
+  });
+  expect(s.provider.payouts.create).not.toHaveBeenCalled();
+});
+it("pays above-threshold combined funds without per-category minimums", async () => {
+  const s = await setup([600, 601]);
+  expect(await s.run()).toMatchObject({
+    status: "updated",
+    claim: { amount: 1201, status: "paid" },
+  });
+});
+it("does not release already-paid sources under a new schedule identity", async () => {
+  const s = await setup();
+  await s.run();
+  expect(await s.run({ operationKey: "release-2" })).toMatchObject({
+    status: "held",
+    reason: "below_threshold",
+    matureUnpaid: 0,
+  });
+  expect(s.provider.payouts.create).toHaveBeenCalledTimes(1);
+});
+it("does not qualify pending credits with unrelated mature money", async () => {
+  const s = await setup([600, 400]);
+  const rows = s.transactions();
+  rows[1].status = "pending";
+  s.provider.balance.retrieve.mockResolvedValue({
+    available: [{ currency: "usd", amount: 600, source_types: { card: 600 } }],
+    pending: [{ currency: "usd", amount: 400 }],
+  } as never);
+  expect(await s.run()).toMatchObject({
+    status: "held",
+    reason: "below_threshold",
+    matureUnpaid: 600,
+    pendingCredits: 400,
+  });
+  expect(s.provider.payouts.create).not.toHaveBeenCalled();
+});
+it.each(["balance_insufficient", "amount_too_small"])(
+  "records a verified %s rejection and releases reservations",
+  async (code) => {
+    const s = await setup();
+    s.provider.payouts.create.mockRejectedValue(
+      Object.assign(new Error(code), {
+        type: "StripeInvalidRequestError",
+        code,
+        requestId: "req_declined",
+      }),
+    );
+    expect(await s.run()).toMatchObject({
+      status: "terminal",
+      claim: {
+        status: "rejected",
+        rejection: { code, requestId: "req_declined" },
+      },
+    });
+    expect(
+      await s.t.run((ctx) => ctx.db.query("payoutSourceAllocations").collect()),
+    ).toMatchObject([{ reservedAmount: 0 }, { reservedAmount: 0 }]);
+  },
+);
+it("an insufficient-funds error without a request receipt remains held", async () => {
+  const s = await setup();
+  s.provider.payouts.create.mockRejectedValue(
+    Object.assign(new Error("insufficient"), {
+      type: "StripeInvalidRequestError",
+      code: "balance_insufficient",
+    }),
+  );
+  await expect(s.run()).rejects.toThrow("insufficient");
+  expect(await s.run()).toMatchObject({
+    status: "held",
+    reason: "payout_unidentified",
+  });
+  expect(
+    await s.t.run((ctx) => ctx.db.query("payoutSourceAllocations").collect()),
+  ).toMatchObject([{ reservedAmount: 600 }, { reservedAmount: 400 }]);
+});
+it("source changes during live control verification prevent provider creation", async () => {
+  const s = await setup();
+  const first = await s.verify();
+  s.verify.mockResolvedValueOnce(first).mockImplementationOnce(async () => {
+    await s.t.run(async (ctx) => {
+      const row = await ctx.db.query("transfers").first();
+      await ctx.db.patch("transfers", row!._id, { reversalClaimedAmount: 10 });
+    });
+    return first;
+  });
+  await expect(s.run()).rejects.toThrow(/snapshot changed/i);
+  expect(s.provider.payouts.create).not.toHaveBeenCalled();
+  expect(await s.run()).toMatchObject({
+    status: "terminal",
+    claim: { status: "canceled" },
+  });
+});
+it("a second worker's operation cannot spend an unresolved reservation", async () => {
+  const s = await setup();
+  s.provider.payouts.create.mockRejectedValue(new Error("timeout"));
+  await expect(s.run()).rejects.toThrow("timeout");
+  expect(await s.run({ operationKey: "other-worker" })).toMatchObject({
+    status: "held",
+    reason: "payout_unidentified",
+  });
+  expect(s.provider.payouts.create).toHaveBeenCalledTimes(1);
+});
+it("verified source reversals reduce combined eligibility before reservation", async () => {
+  const s = await setup([600, 450]);
+  await s.t.run(async (ctx) => {
+    const row = await ctx.db
+      .query("transfers")
+      .withIndex("by_stripe_transfer_id", (q) =>
+        q.eq("stripeTransferId", "tr_1"),
+      )
+      .unique();
+    await ctx.db.patch("transfers", row!._id, { reversedAmount: 100 });
+  });
+  const original = s.provider.transfers.retrieve.getMockImplementation()!;
+  s.provider.transfers.retrieve.mockImplementation(async (id) => ({
+    ...(await original(id)),
+    amount_reversed: id === "tr_1" ? 100 : 0,
+  }));
+  s.provider.transfers.listReversals.mockImplementation(
+    async (...args: unknown[]) =>
+      ({
+        data:
+          args[0] === "tr_1"
+            ? [
+                {
+                  id: "trr_one",
+                  transfer: "tr_1",
+                  amount: 100,
+                  currency: "usd",
+                  destination_payment_refund: "pyr_one",
+                },
+              ]
+            : [],
+        has_more: false,
+      }) as never,
+  );
+  Object.assign(s.provider, {
+    refunds: {
+      retrieve: vi.fn(async () => ({
+        id: "pyr_one",
+        charge: "py_1",
+        amount: 100,
+        currency: "usd",
+        status: "succeeded",
+        balance_transaction: "txn_refund",
+      })),
+    },
+  });
+  s.setTransactions([
+    ...s.transactions(),
+    {
+      ...s.transactions()[0],
+      id: "txn_refund",
+      source: "pyr_one",
+      amount: -100,
+      net: -100,
+      type: "payment_refund",
+    },
+  ]);
+  expect(await s.run()).toMatchObject({
+    status: "held",
+    reason: "below_threshold",
+    matureUnpaid: 950,
+  });
+  expect(s.provider.payouts.create).not.toHaveBeenCalled();
+});
+
+it("requires a verified default bank destination before any reservation", async () => {
+  const s = await setup();
+  s.provider.accounts.listExternalAccounts.mockResolvedValue({
+    data: [],
+    has_more: false,
+  });
+  expect(await s.run()).toMatchObject({
+    status: "held",
+    reason: "bank_destination_unavailable",
+  });
+  expect(s.provider.payouts.create).not.toHaveBeenCalled();
+  expect(
+    await s.t.run((ctx) => ctx.db.query("payoutReleaseClaims").collect()),
+  ).toEqual([]);
+});
+it("does not select a partial or ambiguous default-bank page", async () => {
+  const s = await setup();
+  s.provider.accounts.listExternalAccounts.mockResolvedValue({
+    data: [
+      {
+        id: "ba_one",
+        object: "bank_account",
+        currency: "usd",
+        default_for_currency: true,
+      },
+    ],
+    has_more: true,
+  });
+  expect(await s.run({ maxPages: 1 })).toMatchObject({
+    status: "held",
+    reason: "bank_history_incomplete",
+  });
+  expect(s.provider.payouts.create).not.toHaveBeenCalled();
+});