@mohasinac/appkit 3.2.20 → 3.3.1

package/dist/_internal/server/jobs/core/weeklyPayoutEligibility.d.ts

@@ -1,6 +1,6 @@
 /**
- * Core: weekly Saturday sweep — converts delivered Shiprocket orders
- * with `payoutStatus=eligible` into pending payout documents grouped by seller.
+ * Core: weekly Saturday sweep — converts delivered orders with
+ * `payoutStatus=eligible` into pending payout documents grouped by seller.
  */
 import type { JobContext } from "../runtime/types";
 export declare function runWeeklyPayoutEligibility(ctx: JobContext): Promise<void>;

package/dist/_internal/server/jobs/core/weeklyPayoutEligibility.js

@@ -1,20 +1,22 @@
 /**
- * Core: weekly Saturday sweep — converts delivered Shiprocket orders
- * with `payoutStatus=eligible` into pending payout documents grouped by seller.
+ * Core: weekly Saturday sweep — converts delivered orders with
+ * `payoutStatus=eligible` into pending payout documents grouped by seller.
  */
-import { storeRepository, userRepository, orderRepository, payoutRepository, } from "../../../../repositories";
+import { storeRepository, userRepository, orderRepository, payoutRepository, siteSettingsRepository, } from "../../../../repositories";
 import { BATCH_LIMIT } from "../handlers/messages";
 import { getDefaultCurrency } from "../../../../core";
-const PLATFORM_COMMISSION_RATE = 0.05;
+import { computePayoutDeduction } from "../../../shared/fees/calculator";
 export async function runWeeklyPayoutEligibility(ctx) {
     if (ctx.env("FEATURE_PAYOUTS") !== "true") {
         ctx.logger.info("FEATURE_PAYOUTS disabled — skipping weekly payout eligibility");
         return;
     }
     ctx.logger.info("Starting weekly payout eligibility sweep");
-    const eligible = await orderRepository.getEligibleShiprocket();
+    const siteSettings = await siteSettingsRepository.getSingleton();
+    const commissions = siteSettings.commissions;
+    const eligible = await orderRepository.getEligibleForPayoutSweep();
     if (eligible.length === 0) {
-        ctx.logger.info("No eligible Shiprocket-delivered orders found");
+        ctx.logger.info("No eligible delivered orders found");
         return;
     }
     ctx.logger.info(`Found ${eligible.length} eligible order(s) — grouping by seller`);
@@ -40,8 +42,7 @@ export async function runWeeklyPayoutEligibility(ctx) {
             continue;
         }
         const grossAmount = orders.reduce((sum, o) => sum + (o.data.totalPrice ?? 0), 0);
-        const platformFee = Math.round(grossAmount * PLATFORM_COMMISSION_RATE * 100) / 100;
-        const netAmount = Math.round((grossAmount - platformFee) * 100) / 100;
+        const { platformFee, gatewayFee, gstOnFee, netAmount } = computePayoutDeduction(grossAmount, commissions);
         const payoutInput = {
             storeId,
             sellerName: (seller.displayName ?? seller.email ?? store.ownerId),
@@ -50,7 +51,11 @@ export async function runWeeklyPayoutEligibility(ctx) {
             amount: netAmount,
             grossAmount,
             platformFee,
-            platformFeeRate: PLATFORM_COMMISSION_RATE,
+            platformFeeRate: commissions.platformFeePercent / 100,
+            gatewayFee,
+            gatewayFeeRate: (commissions.gatewayFeePercent ?? 0) / 100,
+            gstAmount: gstOnFee,
+            gstRate: commissions.gstPercent / 100,
             currency: defaultCurrency,
             status: "pending",
             paymentMethod: seller.payoutDetails?.method === "upi" ? "upi" : "bank_transfer",
@@ -63,7 +68,7 @@ export async function runWeeklyPayoutEligibility(ctx) {
                     bankName: seller.payoutDetails.bankAccount.bankName,
                 }
                 : undefined,
-            notes: `Automated weekly payout — ${orders.length} Shiprocket delivered order(s)`,
+            notes: `Automated weekly payout — ${orders.length} delivered order(s)`,
             requestedAt: new Date(),
         };
         const { id: payoutId } = await payoutRepository.create(payoutInput);

package/dist/_internal/server/jobs/handlers/emiInstallmentReminder.d.ts

@@ -0,0 +1,2 @@
+import type { ScheduleHandler } from "../runtime/types";
+export declare const emiInstallmentReminderHandler: ScheduleHandler;

package/dist/_internal/server/jobs/handlers/emiInstallmentReminder.js

@@ -0,0 +1,2 @@
+import { runEmiInstallmentReminder } from "../core/emiInstallmentReminder";
+export const emiInstallmentReminderHandler = runEmiInstallmentReminder;

package/dist/_internal/server/jobs/handlers/index.d.ts

@@ -47,3 +47,4 @@ export { onUserBanChangeHandler } from "./onUserBanChange";
 export { onScamReportCreateHandler } from "./onScamReportCreate";
 export { onScamReportUpdateHandler } from "./onScamReportUpdate";
 export { draftPruneHandler } from "./draftPrune";
+export { emiInstallmentReminderHandler } from "./emiInstallmentReminder";

package/dist/_internal/server/jobs/handlers/index.js

@@ -55,3 +55,5 @@ export { onScamReportCreateHandler } from "./onScamReportCreate";
 export { onScamReportUpdateHandler } from "./onScamReportUpdate";
 // SB-UNI-Y-1 — 30-day draft prune
 export { draftPruneHandler } from "./draftPrune";
+// EMI — installment reminder + overdue-flagging sweep
+export { emiInstallmentReminderHandler } from "./emiInstallmentReminder";

package/dist/_internal/server/providers/index.d.ts

@@ -1,11 +1,11 @@
 /**
  * Public surface for the provider resolver + mocks.
  *
- * Real provider implementations remain in `appkit/src/providers/{payment-razorpay,shipping-shiprocket}/`
+ * Real provider implementations remain in `appkit/src/providers/{payment-razorpay,payment-manual,shipping-manual}/`
  * because they are independently consumable per-package. This barrel only
  * exposes the resolver entry points and the in-process mock implementations
- * Track H requires.
+ * Track H requires. Shipping has no mock — the manual shipping provider
+ * makes no external API calls, so there's nothing to mock.
  */
-export { resolvePaymentProvider, resolveShippingProvider, type PaymentResolutionFactories, type ProviderResolutionContext, type ShippingResolutionFactories, } from "./resolve";
+export { resolvePaymentProvider, type PaymentResolutionFactories, type ProviderResolutionContext, } from "./resolve";
 export { MockRazorpayProvider, type MockWebhookEvent, type MockWebhookPayload, type WebhookSink, } from "./payment/razorpay-mock";
-export { MockShiprocketProvider, type ShipmentEvent, type ShipmentEventSink, } from "./shipping/shiprocket-mock";

package/dist/_internal/server/providers/index.js

@@ -1,11 +1,11 @@
 /**
  * Public surface for the provider resolver + mocks.
  *
- * Real provider implementations remain in `appkit/src/providers/{payment-razorpay,shipping-shiprocket}/`
+ * Real provider implementations remain in `appkit/src/providers/{payment-razorpay,payment-manual,shipping-manual}/`
  * because they are independently consumable per-package. This barrel only
  * exposes the resolver entry points and the in-process mock implementations
- * Track H requires.
+ * Track H requires. Shipping has no mock — the manual shipping provider
+ * makes no external API calls, so there's nothing to mock.
  */
-export { resolvePaymentProvider, resolveShippingProvider, } from "./resolve";
+export { resolvePaymentProvider, } from "./resolve";
 export { MockRazorpayProvider, } from "./payment/razorpay-mock";
-export { MockShiprocketProvider, } from "./shipping/shiprocket-mock";

package/dist/_internal/server/providers/payment/razorpay-mock.d.ts

@@ -20,7 +20,8 @@
  *     payment.captured / payment.failed / order.paid event without leaving
  *     the process. Registered via `setWebhookSink(fn)`.
  */
-import type { IPaymentProvider, PaymentCapture, PaymentOrder, Refund } from "../../../../contracts";
+import { IPaymentProvider } from "../../../../contracts";
+import type { PaymentCapture, PaymentOrder, Refund } from "../../../../contracts";
 import type { JsonValue } from "../../../../schemas/types";
 export type MockWebhookEvent = "payment.captured" | "payment.failed" | "order.paid";
 export interface MockWebhookPayload {
@@ -31,7 +32,7 @@ export interface MockWebhookPayload {
     readonly currency: string;
 }
 export type WebhookSink = (rawBody: string, signature: string, payload: MockWebhookPayload) => Promise<void> | void;
-export declare class MockRazorpayProvider implements IPaymentProvider {
+export declare class MockRazorpayProvider extends IPaymentProvider {
     readonly name: "razorpay-mock";
     private readonly orders;
     private readonly captures;

package/dist/_internal/server/providers/payment/razorpay-mock.js

@@ -21,9 +21,11 @@
  *     the process. Registered via `setWebhookSink(fn)`.
  */
 import { createHmac, randomBytes, timingSafeEqual } from "node:crypto";
+import { IPaymentProvider } from "../../../../contracts";
 const MOCK_WEBHOOK_SECRET = "appkit-mock-razorpay-webhook-secret-v1";
-export class MockRazorpayProvider {
+export class MockRazorpayProvider extends IPaymentProvider {
     constructor() {
+        super(...arguments);
         this.name = "razorpay-mock";
         this.orders = new Map();
         this.captures = new Map();

package/dist/_internal/server/providers/resolve.d.ts

@@ -1,11 +1,10 @@
 /**
- * `resolvePaymentProvider` / `resolveShippingProvider` — decide between the
- * real adapter and the in-process mock based on site-settings feature flags.
+ * `resolvePaymentProvider` — decide between the real adapter and the
+ * in-process mock based on site-settings feature flags.
  *
- * Resolution rule (single explicit boolean per provider, no implicit fallback):
+ * Resolution rule (single explicit boolean, no implicit fallback):
  *
- *   1. Read `siteSettings.featureFlags.useMockPayment` /
- *      `featureFlags.useMockShipping`.
+ *   1. Read `siteSettings.featureFlags.useMockPayment`.
  *   2. If the flag is `true` and `process.env.NODE_ENV !== "production"` →
  *      return the mock provider.
  *   3. If the flag is `true` and `process.env.NODE_ENV === "production"` →
@@ -15,15 +14,18 @@
  *
  * The resolver is intentionally provider-agnostic (it accepts factories so
  * the consumer's `providers.config.ts` controls instantiation), keeping this
- * file zero-dep on Razorpay / Shiprocket SDK chains.
+ * file zero-dep on the Razorpay SDK chain.
+ *
+ * Shipping has no equivalent resolver: the manual shipping provider makes no
+ * external API calls, so there is nothing to mock — `providers.config.ts`
+ * registers `ManualShippingProvider` directly.
  */
-import type { IPaymentProvider, IShippingProvider } from "../../../contracts";
+import type { IPaymentProvider } from "../../../contracts";
 export interface ProviderResolutionContext {
     readonly nodeEnv: string;
     readonly siteSettings: {
         readonly featureFlags?: {
             readonly useMockPayment?: boolean;
-            readonly useMockShipping?: boolean;
         };
     };
 }
@@ -31,9 +33,4 @@ export interface PaymentResolutionFactories {
     readonly real: () => Promise<IPaymentProvider> | IPaymentProvider;
     readonly mock: () => Promise<IPaymentProvider> | IPaymentProvider;
 }
-export interface ShippingResolutionFactories {
-    readonly real: () => Promise<IShippingProvider> | IShippingProvider;
-    readonly mock: () => Promise<IShippingProvider> | IShippingProvider;
-}
 export declare function resolvePaymentProvider(ctx: ProviderResolutionContext, factories: PaymentResolutionFactories): Promise<IPaymentProvider>;
-export declare function resolveShippingProvider(ctx: ProviderResolutionContext, factories: ShippingResolutionFactories): Promise<IShippingProvider>;

package/dist/_internal/server/providers/resolve.js

@@ -1,11 +1,10 @@
 /**
- * `resolvePaymentProvider` / `resolveShippingProvider` — decide between the
- * real adapter and the in-process mock based on site-settings feature flags.
+ * `resolvePaymentProvider` — decide between the real adapter and the
+ * in-process mock based on site-settings feature flags.
  *
- * Resolution rule (single explicit boolean per provider, no implicit fallback):
+ * Resolution rule (single explicit boolean, no implicit fallback):
  *
- *   1. Read `siteSettings.featureFlags.useMockPayment` /
- *      `featureFlags.useMockShipping`.
+ *   1. Read `siteSettings.featureFlags.useMockPayment`.
  *   2. If the flag is `true` and `process.env.NODE_ENV !== "production"` →
  *      return the mock provider.
  *   3. If the flag is `true` and `process.env.NODE_ENV === "production"` →
@@ -15,7 +14,11 @@
  *
  * The resolver is intentionally provider-agnostic (it accepts factories so
  * the consumer's `providers.config.ts` controls instantiation), keeping this
- * file zero-dep on Razorpay / Shiprocket SDK chains.
+ * file zero-dep on the Razorpay SDK chain.
+ *
+ * Shipping has no equivalent resolver: the manual shipping provider makes no
+ * external API calls, so there is nothing to mock — `providers.config.ts`
+ * registers `ManualShippingProvider` directly.
  */
 export async function resolvePaymentProvider(ctx, factories) {
     const want = ctx.siteSettings.featureFlags?.useMockPayment === true;
@@ -26,12 +29,3 @@ export async function resolvePaymentProvider(ctx, factories) {
     }
     return want ? await factories.mock() : await factories.real();
 }
-export async function resolveShippingProvider(ctx, factories) {
-    const want = ctx.siteSettings.featureFlags?.useMockShipping === true;
-    if (want && ctx.nodeEnv === "production") {
-        throw new Error("[providers] siteSettings.featureFlags.useMockShipping is TRUE in production. " +
-            "The mock shipping provider must never run in production. Set the flag to false " +
-            "in Admin → Site Settings, or unset NODE_ENV=production for the deploy.");
-    }
-    return want ? await factories.mock() : await factories.real();
-}

package/dist/_internal/shared/actions/action-registry.js

@@ -429,6 +429,20 @@ export const ACTIONS = {
             kind: "primary",
             permissions: ["seller", "admin"],
         },
+        "mark-installment-paid": {
+            id: "store.mark-installment-paid",
+            label: "Mark installment paid",
+            ariaLabel: "Mark this EMI installment as paid",
+            description: "Record collection of one EMI installment after verifying the buyer's manual transfer proof.",
+            kind: "primary",
+            permissions: ["seller", "admin"],
+            confirmation: {
+                title: "Mark this installment as paid?",
+                body: "This confirms the buyer's payment was received and verified. The order becomes eligible to ship once every installment is marked paid.",
+                confirmLabel: "Mark paid",
+                confirmKind: "primary",
+            },
+        },
         "request-payout": {
             id: "store.request-payout",
             label: "Request payout",
@@ -1019,6 +1033,20 @@ export const ACTIONS = {
             kind: "primary",
             permissions: ["admin", "moderator"],
         },
+        "mark-installment-paid": {
+            id: "admin.mark-installment-paid",
+            label: "Mark installment paid",
+            ariaLabel: "Mark this EMI installment as paid",
+            description: "Record collection of one EMI installment after verifying the buyer's manual transfer proof.",
+            kind: "primary",
+            permissions: ["admin", "moderator"],
+            confirmation: {
+                title: "Mark this installment as paid?",
+                body: "This confirms the buyer's payment was received and verified. The order becomes eligible to ship once every installment is marked paid.",
+                confirmLabel: "Mark paid",
+                confirmKind: "primary",
+            },
+        },
         "cancel-order": {
             id: "admin.cancel-order",
             label: "Cancel Orders",

package/dist/_internal/shared/checkout/rules/_defaults.js

@@ -3,6 +3,7 @@ import { STANDARD_MAX_QTY_PER_LINE } from "./_limits";
 export const DEFAULT_LISTING_RULE = {
     purchaseable: true,
     cartEligible: true,
+    cartIneligibleHint: "This listing type cannot be added to the cart.",
     requiresShippingAddress: true,
     requiresConsentOtp: true,
     nonRefundable: false,

package/dist/_internal/shared/checkout/rules/_registry.js

@@ -17,6 +17,8 @@ import { bundleRule } from "./bundle.rule";
 import { classifiedRule } from "./classified.rule";
 import { digitalCodeRule } from "./digital-code.rule";
 import { liveRule } from "./live.rule";
+import { artRule } from "./art.rule";
+import { stickersRule } from "./stickers.rule";
 export const CHECKOUT_RULES = {
     standard: standardRule,
     auction: auctionRule,
@@ -25,6 +27,8 @@ export const CHECKOUT_RULES = {
     classified: classifiedRule,
     "digital-code": digitalCodeRule,
     live: liveRule,
+    art: artRule,
+    stickers: stickersRule,
 };
 export const CATEGORY_CHECKOUT_RULES = {
     bundle: bundleRule,

package/dist/_internal/shared/checkout/rules/art.rule.d.ts

@@ -0,0 +1,9 @@
+/**
+ * Art listing rule — printed-only artwork, standard-like checkout.
+ *
+ * No bespoke checkout behavior: cart/order grouping, stock decrement, and
+ * refund policy all follow the standard defaults. The listing type only
+ * changes presentation (PDP badges, seller form fields) via `pluginFor()`.
+ */
+import type { ListingCheckoutRule } from "./types";
+export declare const artRule: ListingCheckoutRule;

package/dist/_internal/shared/checkout/rules/art.rule.js

@@ -0,0 +1,5 @@
+import { DEFAULT_LISTING_RULE } from "./_defaults";
+export const artRule = {
+    ...DEFAULT_LISTING_RULE,
+    orderType: "standard",
+};

package/dist/_internal/shared/checkout/rules/auction.rule.js

@@ -3,6 +3,7 @@ export const auctionRule = {
     ...DEFAULT_LISTING_RULE,
     orderType: "auction",
     cartEligible: false, // bid-only; add-to-cart is blocked at the action layer
+    cartIneligibleHint: "Place a bid on the auction page instead.",
     maxQuantityPerLine: 1,
     canMergeWithSameProduct: false,
     refundPolicy: { full: true, partial: false, partialGranularity: "none" },

package/dist/_internal/shared/checkout/rules/classified.rule.js

@@ -4,6 +4,7 @@ export const classifiedRule = {
     orderType: "standard", // placeholder — classified never reaches order creation
     purchaseable: false,
     cartEligible: false,
+    cartIneligibleHint: 'Use "Contact Seller" to arrange a meetup.',
     requiresShippingAddress: false,
     requiresConsentOtp: false,
 };

package/dist/_internal/shared/checkout/rules/index.d.ts

@@ -10,3 +10,5 @@ export { bundleRule } from "./bundle.rule";
 export { classifiedRule } from "./classified.rule";
 export { digitalCodeRule } from "./digital-code.rule";
 export { liveRule } from "./live.rule";
+export { artRule } from "./art.rule";
+export { stickersRule } from "./stickers.rule";

package/dist/_internal/shared/checkout/rules/index.js

@@ -10,3 +10,5 @@ export { bundleRule } from "./bundle.rule";
 export { classifiedRule } from "./classified.rule";
 export { digitalCodeRule } from "./digital-code.rule";
 export { liveRule } from "./live.rule";
+export { artRule } from "./art.rule";
+export { stickersRule } from "./stickers.rule";

package/dist/_internal/shared/checkout/rules/stickers.rule.d.ts

@@ -0,0 +1,9 @@
+/**
+ * Stickers listing rule — printed-only sticker sheets/packs, standard-like checkout.
+ *
+ * No bespoke checkout behavior: cart/order grouping, stock decrement, and
+ * refund policy all follow the standard defaults. The listing type only
+ * changes presentation (PDP badges, seller form fields) via `pluginFor()`.
+ */
+import type { ListingCheckoutRule } from "./types";
+export declare const stickersRule: ListingCheckoutRule;

package/dist/_internal/shared/checkout/rules/stickers.rule.js

@@ -0,0 +1,5 @@
+import { DEFAULT_LISTING_RULE } from "./_defaults";
+export const stickersRule = {
+    ...DEFAULT_LISTING_RULE,
+    orderType: "standard",
+};

package/dist/_internal/shared/checkout/rules/types.d.ts

@@ -43,6 +43,12 @@ export interface ListingCheckoutRule {
      * (direct-checkout-only via CategoryCheckoutRule).
      */
     cartEligible: boolean;
+    /**
+     * Buyer-facing hint appended to the "cannot add to cart" error when
+     * `cartEligible` is false — tells them what to do instead (place a bid,
+     * contact seller, etc). Ignored when `cartEligible` is true.
+     */
+    cartIneligibleHint: string;
     /** OrderType assigned to orders created from this listing type. */
     orderType: OrderType;
     /**

package/dist/_internal/shared/features/checkout/config.d.ts

@@ -1,8 +1,23 @@
 export declare const CHECKOUT_DEFAULT_COMMISSIONS: {
     readonly codDepositPercent: 10;
+    readonly codHandlingFeeMinInPaise: 20000;
+    readonly codHandlingFeePercent: 10;
     readonly sellerShippingFixed: 50;
     readonly platformShippingPercent: 10;
     readonly platformShippingFixedMin: 50;
 };
-export declare const CHECKOUT_PAYMENT_METHODS: readonly ["cash", "cod", "online", "upi_manual", "admin_bypass"];
+export declare const CHECKOUT_PAYMENT_METHODS: readonly ["cash", "cod", "online", "upi_manual", "admin_bypass", "emi"];
 export type CheckoutPaymentMethod = (typeof CHECKOUT_PAYMENT_METHODS)[number];
+export declare const CHECKOUT_DEFAULT_EMI_SETTINGS: {
+    readonly enabled: false;
+    /** ₹10,000 in paise — a seller's cart subtotal must exceed this for EMI to appear. */
+    readonly minOrderValueInPaise: 1000000;
+    readonly tenureOptions: readonly [2, 3, 4, 5, 6];
+    readonly tokenPercent: 10;
+    /** Day of the month (1–10) the first (and every) installment is due. */
+    readonly billingDay: 5;
+    /** Extra % of principal per month of tenure — the buyer's cost for spreading payment. */
+    readonly surchargePercentPerMonth: 1;
+    /** Share of the surcharge that goes to the seller; the rest is the platform's cut. */
+    readonly surchargeSellerSharePercent: 50;
+};

package/dist/_internal/shared/features/checkout/config.js

@@ -1,7 +1,22 @@
 export const CHECKOUT_DEFAULT_COMMISSIONS = {
     codDepositPercent: 10,
+    codHandlingFeeMinInPaise: 20000,
+    codHandlingFeePercent: 10,
     sellerShippingFixed: 50,
     platformShippingPercent: 10,
     platformShippingFixedMin: 50,
 };
-export const CHECKOUT_PAYMENT_METHODS = ["cash", "cod", "online", "upi_manual", "admin_bypass"];
+export const CHECKOUT_PAYMENT_METHODS = ["cash", "cod", "online", "upi_manual", "admin_bypass", "emi"];
+export const CHECKOUT_DEFAULT_EMI_SETTINGS = {
+    enabled: false,
+    /** ₹10,000 in paise — a seller's cart subtotal must exceed this for EMI to appear. */
+    minOrderValueInPaise: 1000000,
+    tenureOptions: [2, 3, 4, 5, 6],
+    tokenPercent: 10,
+    /** Day of the month (1–10) the first (and every) installment is due. */
+    billingDay: 5,
+    /** Extra % of principal per month of tenure — the buyer's cost for spreading payment. */
+    surchargePercentPerMonth: 1,
+    /** Share of the surcharge that goes to the seller; the rest is the platform's cut. */
+    surchargeSellerSharePercent: 50,
+};

package/dist/_internal/shared/features/emi/schedule.d.ts

@@ -0,0 +1,63 @@
+/**
+ * EMI (installment) eligibility + schedule computation — pure functions,
+ * no I/O. Consumed by checkout (buyer-facing quote + order creation) and by
+ * the seller/admin installment-collection UI (schedule display).
+ *
+ * Eligibility: a per-seller checkout group qualifies for EMI when the
+ * site-wide flag, the seller's own opt-in, AND the subtotal threshold are
+ * all satisfied — matching the existing COD deposit pattern of gating on
+ * `siteSettings.payment.codEnabled`.
+ *
+ * Schedule: the buyer pays `tokenPercent`% up front (the "token"), then the
+ * remaining principal plus a surcharge (the buyer's cost for spreading
+ * payment across `tenureMonths`, split between platform and seller per
+ * `surchargeSellerSharePercent`) across equal monthly installments, each
+ * due on `billingDay` (1–10) of the month, starting the month after
+ * purchase. All money amounts are in paise (integer).
+ */
+export interface EmiSettings {
+    enabled: boolean;
+    minOrderValueInPaise: number;
+    tenureOptions: readonly number[];
+    tokenPercent: number;
+    /** Day of month (1–10) each installment is due. */
+    billingDay: number;
+    surchargePercentPerMonth: number;
+    surchargeSellerSharePercent: number;
+}
+export type EmiIneligibleReason = "site_disabled" | "seller_disabled" | "below_minimum" | "invalid_tenure";
+export type EmiEligibility = {
+    eligible: true;
+} | {
+    eligible: false;
+    reason: EmiIneligibleReason;
+};
+/**
+ * `settings.enabled` is the site-wide toggle (`siteSettings.emi.enabled`).
+ * `sellerEmiEnabled` is the seller's own opt-in (`StoreDocument.emiEnabled`).
+ * Both must be true, in addition to the subtotal threshold.
+ */
+export declare function checkEmiEligibility(sellerSubtotal: number, sellerEmiEnabled: boolean, settings: Pick<EmiSettings, "enabled" | "minOrderValueInPaise">): EmiEligibility;
+export interface EmiInstallmentPlan {
+    index: number;
+    dueDate: Date;
+    /** Paise. */
+    amount: number;
+}
+export interface EmiScheduleResult {
+    /** Down payment collected at checkout, in paise. */
+    tokenAmount: number;
+    /** Total surcharge across the whole tenure, in paise. */
+    surchargeAmount: number;
+    surchargeSellerShare: number;
+    surchargePlatformShare: number;
+    installments: EmiInstallmentPlan[];
+    /** Sum of all installment amounts — what's still owed after the token. */
+    remainingBalance: number;
+}
+/**
+ * `purchaseDate` defaults to now; the first installment always falls in the
+ * calendar month AFTER purchase, regardless of which day of the current
+ * month the purchase happens on.
+ */
+export declare function computeEmiSchedule(sellerSubtotal: number, tenureMonths: number, settings: Pick<EmiSettings, "tokenPercent" | "billingDay" | "surchargePercentPerMonth" | "surchargeSellerSharePercent">, purchaseDate?: Date): EmiScheduleResult;

package/dist/_internal/shared/features/emi/schedule.js

@@ -0,0 +1,62 @@
+/**
+ * EMI (installment) eligibility + schedule computation — pure functions,
+ * no I/O. Consumed by checkout (buyer-facing quote + order creation) and by
+ * the seller/admin installment-collection UI (schedule display).
+ *
+ * Eligibility: a per-seller checkout group qualifies for EMI when the
+ * site-wide flag, the seller's own opt-in, AND the subtotal threshold are
+ * all satisfied — matching the existing COD deposit pattern of gating on
+ * `siteSettings.payment.codEnabled`.
+ *
+ * Schedule: the buyer pays `tokenPercent`% up front (the "token"), then the
+ * remaining principal plus a surcharge (the buyer's cost for spreading
+ * payment across `tenureMonths`, split between platform and seller per
+ * `surchargeSellerSharePercent`) across equal monthly installments, each
+ * due on `billingDay` (1–10) of the month, starting the month after
+ * purchase. All money amounts are in paise (integer).
+ */
+/**
+ * `settings.enabled` is the site-wide toggle (`siteSettings.emi.enabled`).
+ * `sellerEmiEnabled` is the seller's own opt-in (`StoreDocument.emiEnabled`).
+ * Both must be true, in addition to the subtotal threshold.
+ */
+export function checkEmiEligibility(sellerSubtotal, sellerEmiEnabled, settings) {
+    if (!settings.enabled)
+        return { eligible: false, reason: "site_disabled" };
+    if (!sellerEmiEnabled)
+        return { eligible: false, reason: "seller_disabled" };
+    if (sellerSubtotal <= settings.minOrderValueInPaise)
+        return { eligible: false, reason: "below_minimum" };
+    return { eligible: true };
+}
+/**
+ * `purchaseDate` defaults to now; the first installment always falls in the
+ * calendar month AFTER purchase, regardless of which day of the current
+ * month the purchase happens on.
+ */
+export function computeEmiSchedule(sellerSubtotal, tenureMonths, settings, purchaseDate = new Date()) {
+    const tokenAmount = Math.round(sellerSubtotal * (settings.tokenPercent / 100));
+    const principalRemaining = sellerSubtotal - tokenAmount;
+    const surchargeAmount = Math.round(principalRemaining * (settings.surchargePercentPerMonth / 100) * tenureMonths);
+    const surchargeSellerShare = Math.round(surchargeAmount * (settings.surchargeSellerSharePercent / 100));
+    const surchargePlatformShare = surchargeAmount - surchargeSellerShare;
+    const totalToInstall = principalRemaining + surchargeAmount;
+    const baseInstallment = Math.floor(totalToInstall / tenureMonths);
+    const remainder = totalToInstall - baseInstallment * tenureMonths;
+    const billingDay = Math.min(Math.max(settings.billingDay, 1), 10);
+    const installments = [];
+    for (let i = 1; i <= tenureMonths; i++) {
+        const dueDate = new Date(Date.UTC(purchaseDate.getUTCFullYear(), purchaseDate.getUTCMonth() + i, billingDay));
+        // Last installment absorbs the rounding remainder so the sum is exact.
+        const amount = i === tenureMonths ? baseInstallment + remainder : baseInstallment;
+        installments.push({ index: i, dueDate, amount });
+    }
+    return {
+        tokenAmount,
+        surchargeAmount,
+        surchargeSellerShare,
+        surchargePlatformShare,
+        installments,
+        remainingBalance: totalToInstall,
+    };
+}

package/dist/_internal/shared/fees/calculator.d.ts

@@ -0,0 +1,53 @@
+/**
+ * Shared fee calculator — single source of truth for platform commission,
+ * gateway fee, GST, and COD handling fee math. Replaces the ~5 duplicated
+ * (and in the payout case, inconsistent) formulas that used to live
+ * separately in checkout actions, refund actions, and the two payout
+ * eligibility jobs.
+ *
+ * Two distinct fee shapes:
+ *  - `computeCheckoutFees` — what the BUYER pays on top of the subtotal
+ *    (platform fee + GST on that fee). The gateway fee is absorbed by the
+ *    platform, never passed through to the buyer.
+ *  - `computePayoutDeduction` — what's deducted from the SELLER's payout
+ *    (platform fee + gateway fee + GST on the platform fee).
+ *
+ * All money amounts are in paise (integer).
+ */
+export interface FeeCommissionRates {
+    platformFeePercent: number;
+    gstPercent: number;
+    /** Rupee floor (not paise) — matches the existing `minimumTransactionFee` doc convention. */
+    minimumTransactionFee?: number;
+    gatewayFeePercent?: number;
+}
+export interface CheckoutFees {
+    /** Platform commission in paise. */
+    platformFee: number;
+    /** GST on the platform fee, in paise. */
+    gstOnFee: number;
+    /** platformFee + gstOnFee, floored at minimumTransactionFee. */
+    totalFee: number;
+}
+export declare function computeCheckoutFees(subtotal: number, commissions: FeeCommissionRates): CheckoutFees;
+export interface PayoutDeduction {
+    /** Platform commission in paise. */
+    platformFee: number;
+    /** Payment gateway cost, absorbed by the platform from the seller's share, in paise. */
+    gatewayFee: number;
+    /** GST on the platform fee, in paise. */
+    gstOnFee: number;
+    /** platformFee + gatewayFee + gstOnFee. */
+    totalDeduction: number;
+    /** grossAmount - totalDeduction, floored at 0. */
+    netAmount: number;
+}
+export declare function computePayoutDeduction(grossAmount: number, commissions: FeeCommissionRates): PayoutDeduction;
+export interface CodHandlingFeeRates {
+    /** Optional so existing `siteSettings` documents saved before this field existed don't produce NaN — falls back to ₹200 (20000 paise). */
+    codHandlingFeeMinInPaise?: number;
+    /** Optional for the same reason — falls back to 10%. */
+    codHandlingFeePercent?: number;
+}
+/** COD handling fee charged to the buyer: max(fixed floor, subtotal × percent). */
+export declare function computeCodHandlingFee(subtotal: number, rates: CodHandlingFeeRates): number;