@monnify/mcp-server 1.0.0

package/build/transport/http.js

@@ -0,0 +1,71 @@
+import express from "express";
+import { StreamableHTTPServerTransport } from "@modelcontextprotocol/sdk/server/streamableHttp.js";
+import { env } from "../config/env.js";
+import { logger } from "../utils/logger.js";
+// In-memory rate limiter: 100 requests per minute per IP
+const rlMap = new Map();
+function rateLimit(req, res, next) {
+    const ip = req.ip ?? "unknown";
+    const now = Date.now();
+    const entry = rlMap.get(ip);
+    if (!entry || now > entry.resetAt) {
+        rlMap.set(ip, { count: 1, resetAt: now + 60_000 });
+        next();
+        return;
+    }
+    if (entry.count >= 100) {
+        res.setHeader("Retry-After", "60");
+        res.status(429).json({ error: "Rate limit exceeded. Try again in 60 seconds." });
+        return;
+    }
+    entry.count++;
+    next();
+}
+function bearerAuth(token) {
+    return (req, res, next) => {
+        const auth = req.headers["authorization"];
+        if (!auth || auth !== `Bearer ${token}`) {
+            res
+                .status(401)
+                .json({ error: "Unauthorized. Provide a valid Authorization: Bearer <token> header." });
+            return;
+        }
+        next();
+    };
+}
+export async function startHttpTransport(server) {
+    const app = express();
+    app.use(express.json());
+    const httpToken = env().MONNIFY_HTTP_TOKEN;
+    if (!httpToken) {
+        logger.warn("HTTP transport is running WITHOUT authentication. " +
+            "Set MONNIFY_HTTP_TOKEN to secure the /mcp endpoint before exposing it beyond localhost.");
+    }
+    // Health check — unauthenticated, no sensitive data
+    app.get("/health", (_req, res) => {
+        res.json({ status: "ok", service: "monnify-mcp" });
+    });
+    const transport = new StreamableHTTPServerTransport();
+    await server.connect(transport);
+    const guards = [rateLimit];
+    if (httpToken)
+        guards.push(bearerAuth(httpToken));
+    app.post("/mcp", guards, async (req, res) => {
+        await transport.handleRequest(req, res, req.body);
+    });
+    app.get("/mcp", guards, async (req, res) => {
+        await transport.handleRequest(req, res);
+    });
+    app.delete("/mcp", guards, async (req, res) => {
+        await transport.handleRequest(req, res);
+    });
+    const port = env().PORT;
+    app.listen(port, () => {
+        logger.info("Monnify MCP server started", {
+            transport: "http",
+            port,
+            auth: httpToken ? "bearer-token" : "none (unauthenticated — set MONNIFY_HTTP_TOKEN)",
+        });
+    });
+}
+//# sourceMappingURL=http.js.map

package/build/transport/http.js.map

@@ -0,0 +1 @@
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package/build/transport/stdio.d.ts

@@ -0,0 +1,3 @@
+import type { Server } from "@modelcontextprotocol/sdk/server/index.js";
+export declare function startStdioTransport(server: Server): Promise<void>;
+//# sourceMappingURL=stdio.d.ts.map

package/build/transport/stdio.d.ts.map

@@ -0,0 +1 @@
+{"version":3,"file":"stdio.d.ts","sourceRoot":"","sources":["../../src/transport/stdio.ts"],"names":[],"mappings":"AACA,OAAO,KAAK,EAAE,MAAM,EAAE,MAAM,2CAA2C,CAAC;AAGxE,wBAAsB,mBAAmB,CAAC,MAAM,EAAE,MAAM,GAAG,OAAO,CAAC,IAAI,CAAC,CAIvE"}

package/build/transport/stdio.js

@@ -0,0 +1,8 @@
+import { StdioServerTransport } from "@modelcontextprotocol/sdk/server/stdio.js";
+import { logger } from "../utils/logger.js";
+export async function startStdioTransport(server) {
+    const transport = new StdioServerTransport();
+    await server.connect(transport);
+    logger.info("Monnify MCP server started", { transport: "stdio" });
+}
+//# sourceMappingURL=stdio.js.map

package/build/transport/stdio.js.map

@@ -0,0 +1 @@
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package/build/types/mcp.d.ts

@@ -0,0 +1,11 @@
+export interface McpTextContent {
+    type: "text";
+    text: string;
+}
+export interface McpToolResult {
+    content: McpTextContent[];
+    isError?: boolean;
+}
+export declare function successResult(text: string): McpToolResult;
+export declare function errorResult(text: string): McpToolResult;
+//# sourceMappingURL=mcp.d.ts.map

package/build/types/mcp.d.ts.map

@@ -0,0 +1 @@
+{"version":3,"file":"mcp.d.ts","sourceRoot":"","sources":["../../src/types/mcp.ts"],"names":[],"mappings":"AAAA,MAAM,WAAW,cAAc;IAC7B,IAAI,EAAE,MAAM,CAAC;IACb,IAAI,EAAE,MAAM,CAAC;CACd;AAED,MAAM,WAAW,aAAa;IAC5B,OAAO,EAAE,cAAc,EAAE,CAAC;IAC1B,OAAO,CAAC,EAAE,OAAO,CAAC;CACnB;AAED,wBAAgB,aAAa,CAAC,IAAI,EAAE,MAAM,GAAG,aAAa,CAEzD;AAED,wBAAgB,WAAW,CAAC,IAAI,EAAE,MAAM,GAAG,aAAa,CAEvD"}

package/build/types/mcp.js

@@ -0,0 +1,7 @@
+export function successResult(text) {
+    return { content: [{ type: "text", text }] };
+}
+export function errorResult(text) {
+    return { content: [{ type: "text", text }], isError: true };
+}
+//# sourceMappingURL=mcp.js.map

package/build/types/mcp.js.map

@@ -0,0 +1 @@
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package/build/utils/clientContext.d.ts

@@ -0,0 +1,7 @@
+type ResponseFormat = "markdown" | "json";
+export declare function setClientName(name: string | undefined): void;
+export declare function setFormatOverride(format: ResponseFormat | undefined): void;
+export declare function getClientName(): string | undefined;
+export declare function getResponseFormat(): ResponseFormat;
+export {};
+//# sourceMappingURL=clientContext.d.ts.map

package/build/utils/clientContext.d.ts.map

@@ -0,0 +1 @@
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package/build/utils/clientContext.js

@@ -0,0 +1,24 @@
+// Tracks which MCP client connected and derives the preferred response format.
+// Set once during server initialization via setClientName(); read everywhere else.
+let _clientName;
+let _formatOverride;
+// Claude-based clients that prefer conversational Markdown responses
+const MARKDOWN_CLIENTS = ["claude", "anthropic"];
+export function setClientName(name) {
+    _clientName = name?.toLowerCase();
+}
+export function setFormatOverride(format) {
+    _formatOverride = format;
+}
+export function getClientName() {
+    return _clientName;
+}
+export function getResponseFormat() {
+    if (_formatOverride)
+        return _formatOverride;
+    if (!_clientName)
+        return "markdown"; // default: conversational until we know otherwise
+    const isClaudeClient = MARKDOWN_CLIENTS.some(n => _clientName.includes(n));
+    return isClaudeClient ? "markdown" : "json";
+}
+//# sourceMappingURL=clientContext.js.map

package/build/utils/clientContext.js.map

@@ -0,0 +1 @@
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package/build/utils/errors.d.ts

@@ -0,0 +1,21 @@
+import { z } from "zod";
+import type { McpTextContent } from "../types/mcp.js";
+export declare class MonnifyApiError extends Error {
+    readonly responseCode: string;
+    readonly responseMessage: string;
+    readonly httpStatus: number;
+    readonly requestReference?: string | undefined;
+    constructor(responseCode: string, responseMessage: string, httpStatus: number, requestReference?: string | undefined);
+    toMcpContent(): McpTextContent;
+}
+export declare class ValidationError extends Error {
+    readonly zodError: z.ZodError;
+    constructor(zodError: z.ZodError);
+    toMcpContent(): McpTextContent;
+}
+export declare class McpToolError extends Error {
+    readonly toolName: string;
+    readonly cause: unknown;
+    constructor(toolName: string, cause: unknown);
+}
+//# sourceMappingURL=errors.d.ts.map

package/build/utils/errors.d.ts.map

@@ -0,0 +1 @@
+{"version":3,"file":"errors.d.ts","sourceRoot":"","sources":["../../src/utils/errors.ts"],"names":[],"mappings":"AAAA,OAAO,EAAE,CAAC,EAAE,MAAM,KAAK,CAAC;AACxB,OAAO,KAAK,EAAE,cAAc,EAAE,MAAM,iBAAiB,CAAC;AAEtD,qBAAa,eAAgB,SAAQ,KAAK;aAEtB,YAAY,EAAE,MAAM;aACpB,eAAe,EAAE,MAAM;aACvB,UAAU,EAAE,MAAM;aAClB,gBAAgB,CAAC,EAAE,MAAM;gBAHzB,YAAY,EAAE,MAAM,EACpB,eAAe,EAAE,MAAM,EACvB,UAAU,EAAE,MAAM,EAClB,gBAAgB,CAAC,EAAE,MAAM,YAAA;IAM3C,YAAY,IAAI,cAAc;CAQ/B;AAED,qBAAa,eAAgB,SAAQ,KAAK;aACZ,QAAQ,EAAE,CAAC,CAAC,QAAQ;gBAApB,QAAQ,EAAE,CAAC,CAAC,QAAQ;IAKhD,YAAY,IAAI,cAAc;CAM/B;AAED,qBAAa,YAAa,SAAQ,KAAK;aAEnB,QAAQ,EAAE,MAAM;aAChB,KAAK,EAAE,OAAO;gBADd,QAAQ,EAAE,MAAM,EAChB,KAAK,EAAE,OAAO;CAKjC"}

package/build/utils/errors.js

@@ -0,0 +1,45 @@
+export class MonnifyApiError extends Error {
+    responseCode;
+    responseMessage;
+    httpStatus;
+    requestReference;
+    constructor(responseCode, responseMessage, httpStatus, requestReference) {
+        super(responseMessage);
+        this.responseCode = responseCode;
+        this.responseMessage = responseMessage;
+        this.httpStatus = httpStatus;
+        this.requestReference = requestReference;
+        this.name = "MonnifyApiError";
+    }
+    toMcpContent() {
+        return {
+            type: "text",
+            text: `Monnify API Error [${this.responseCode}]: ${this.responseMessage}${this.requestReference ? ` (ref: ${this.requestReference})` : ""}`,
+        };
+    }
+}
+export class ValidationError extends Error {
+    zodError;
+    constructor(zodError) {
+        super("Input validation failed");
+        this.zodError = zodError;
+        this.name = "ValidationError";
+    }
+    toMcpContent() {
+        const issues = this.zodError.issues
+            .map((i) => `  - ${i.path.join(".")}: ${i.message}`)
+            .join("\n");
+        return { type: "text", text: `Validation failed:\n${issues}` };
+    }
+}
+export class McpToolError extends Error {
+    toolName;
+    cause;
+    constructor(toolName, cause) {
+        super(`Tool ${toolName} failed`);
+        this.toolName = toolName;
+        this.cause = cause;
+        this.name = "McpToolError";
+    }
+}
+//# sourceMappingURL=errors.js.map

package/build/utils/errors.js.map

@@ -0,0 +1 @@
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package/build/utils/format.d.ts

@@ -0,0 +1,34 @@
+export declare function formatBankAccountVerification(d: Record<string, unknown>): string;
+export declare function formatBvnVerification(d: Record<string, unknown>): string;
+export declare function formatBvnInfo(d: Record<string, unknown>): string;
+export declare function formatNinVerification(d: Record<string, unknown>): string;
+export declare function formatSupportedBanks(banks: Array<Record<string, unknown>>): string;
+export declare function formatInitiatePayment(d: Record<string, unknown>): string;
+export declare function formatTransactionStatus(d: Record<string, unknown>): string;
+export declare function formatAllTransactions(content: Array<Record<string, unknown>>, meta: {
+    totalElements: unknown;
+    totalPages: unknown;
+    size: unknown;
+    number: unknown;
+}): string;
+export declare function formatReserveAccount(d: Record<string, unknown>): string;
+export declare function formatCreateInvoice(d: Record<string, unknown>): string;
+export declare function formatChargeCard(d: Record<string, unknown>): string;
+export declare function formatAuthoriseCardOtp(d: Record<string, unknown>): string;
+export declare function formatAuthoriseCard3ds(d: Record<string, unknown>): string;
+export declare function formatChargeCardToken(d: Record<string, unknown>): string;
+export declare function formatBankTransferPayment(d: Record<string, unknown>): string;
+export declare function formatProcessRefund(d: Record<string, unknown>): string;
+export declare function formatCreateMandate(d: Record<string, unknown>): string;
+export declare function formatMandateStatus(d: Record<string, unknown>): string;
+export declare function formatDebitStatus(d: Record<string, unknown>): string;
+export declare function formatReservedAccountDetails(d: Record<string, unknown>): string;
+export declare function formatReservedAccountTransactions(transactions: Array<Record<string, unknown>>, meta: {
+    totalElements: unknown;
+    totalPages: unknown;
+    number: unknown;
+    accountReference: string;
+}): string;
+export declare function formatDeallocateAccount(d: Record<string, unknown>): string;
+export declare function formatCancelMandate(d: Record<string, unknown>): string;
+//# sourceMappingURL=format.d.ts.map

package/build/utils/format.d.ts.map

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package/build/utils/format.js

@@ -0,0 +1,362 @@
+// Formatting helpers — convert sanitised API payloads into readable Markdown for MCP responses.
+function naira(amount) {
+    const n = Number(amount);
+    if (isNaN(n))
+        return String(amount ?? "—");
+    return `₦${n.toLocaleString("en-NG", { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`;
+}
+function humanDate(raw) {
+    if (!raw)
+        return "—";
+    const d = new Date(String(raw));
+    if (isNaN(d.getTime()))
+        return String(raw);
+    return d.toLocaleString("en-NG", {
+        day: "numeric", month: "short", year: "numeric",
+        hour: "2-digit", minute: "2-digit", timeZone: "Africa/Lagos",
+    });
+}
+function statusIcon(status) {
+    const s = String(status ?? "").toUpperCase();
+    if (["PAID", "SUCCESS", "ACTIVE", "APPROVED", "VERIFIED", "MATCHED", "COMPLETED"].some(v => s.includes(v)))
+        return "✅";
+    if (["FAILED", "CANCELLED", "REJECTED", "INVALID", "DECLINED"].some(v => s.includes(v)))
+        return "❌";
+    if (["PENDING", "PROCESSING", "INITIATED"].some(v => s.includes(v)))
+        return "⏳";
+    return "ℹ️";
+}
+function boolIcon(val) {
+    return val === true || val === "true" ? "✅ Yes" : val === false || val === "false" ? "❌ No" : "—";
+}
+// ── Verification ──────────────────────────────────────────────────────────────
+export function formatBankAccountVerification(d) {
+    return [
+        `✅ **Account Verified**`,
+        ``,
+        `**Account Name:** ${d["accountName"] ?? "—"}`,
+        `**Account Number:** ${d["accountNumber"] ?? "—"}`,
+        `**Bank:** ${d["bankName"] ?? "—"} (${d["bankCode"] ?? "—"})`,
+    ].join("\n");
+}
+export function formatBvnVerification(d) {
+    return [
+        `🔍 **BVN Verification Result**`,
+        ``,
+        `**BVN:** ${d["bvn"] ?? "—"}`,
+        `**Name Match:** ${boolIcon(d["nameMatch"])}`,
+        `**Mobile Number Match:** ${boolIcon(d["mobileNoMatch"])}`,
+        `**Date of Birth Match:** ${boolIcon(d["dateOfBirthMatch"])}`,
+    ].join("\n");
+}
+export function formatBvnInfo(d) {
+    return [
+        `🔍 **BVN Information**`,
+        ``,
+        `**BVN:** ${d["bvn"] ?? "—"}`,
+        `**Name:** ${d["name"] ?? "—"}`,
+        `**Date of Birth:** ${d["dateOfBirth"] ?? "—"}`,
+        `**Mobile Number:** ${d["mobileNo"] ?? "—"}`,
+        `**Information Match:** ${boolIcon(d["bvnInformationMatch"])}`,
+    ].join("\n");
+}
+export function formatNinVerification(d) {
+    return [
+        `🔍 **NIN Verification Result**`,
+        ``,
+        `**NIN:** ${d["nin"] ?? "—"}`,
+        `**Name:** ${[d["firstName"], d["lastName"]].filter(Boolean).join(" ") || "—"}`,
+        `**Date of Birth:** ${d["dateOfBirth"] ?? "—"}`,
+        `**Gender:** ${d["gender"] ?? "—"}`,
+        `**Phone Number:** ${d["phoneNumber"] ?? "—"}`,
+        `**Information Match:** ${boolIcon(d["ninInformationMatch"])}`,
+    ].join("\n");
+}
+// ── Utilities ─────────────────────────────────────────────────────────────────
+export function formatSupportedBanks(banks) {
+    if (!banks.length)
+        return "No supported banks found.";
+    const rows = banks.map(b => `| ${b["name"] ?? "—"} | ${b["code"] ?? "—"} |`).join("\n");
+    return [
+        `🏦 **Supported Banks** (${banks.length} total)`,
+        ``,
+        `| Bank Name | Code |`,
+        `|-----------|------|`,
+        rows,
+    ].join("\n");
+}
+// ── Collections ───────────────────────────────────────────────────────────────
+export function formatInitiatePayment(d) {
+    const methods = Array.isArray(d["enabledPaymentMethod"])
+        ? d["enabledPaymentMethod"].join(", ")
+        : String(d["enabledPaymentMethod"] ?? "—");
+    return [
+        `💳 **Payment Initiated**`,
+        ``,
+        `**Transaction Reference:** ${d["transactionReference"] ?? "—"}`,
+        `**Payment Reference:** ${d["paymentReference"] ?? "—"}`,
+        `**Merchant:** ${d["merchantName"] ?? "—"}`,
+        `**Payment Methods:** ${methods}`,
+        ``,
+        `**Checkout URL:** ${d["checkoutUrl"] ?? "—"}`,
+        ``,
+        `> Share the checkout URL with your customer to complete payment.`,
+    ].join("\n");
+}
+export function formatTransactionStatus(d) {
+    const status = String(d["paymentStatus"] ?? "UNKNOWN");
+    return [
+        `${statusIcon(status)} **Transaction Status: ${status}**`,
+        ``,
+        `**Transaction Reference:** ${d["transactionReference"] ?? "—"}`,
+        `**Payment Reference:** ${d["paymentReference"] ?? "—"}`,
+        `**Amount Paid:** ${naira(d["amountPaid"])}`,
+        `**Total Payable:** ${naira(d["totalPayable"])}`,
+        d["settledAmount"] !== undefined ? `**Settled Amount:** ${naira(d["settledAmount"])}` : null,
+        `**Currency:** ${d["currencyCode"] ?? "—"}`,
+        `**Payment Method:** ${d["paymentMethod"] ?? "—"}`,
+        `**Paid On:** ${humanDate(d["paidOn"])}`,
+    ].filter(Boolean).join("\n");
+}
+export function formatAllTransactions(content, meta) {
+    if (!content.length) {
+        return `📭 **No transactions found** matching your filters.`;
+    }
+    const rows = content.map(tx => {
+        const status = String(tx["paymentStatus"] ?? "");
+        return `| ${statusIcon(status)} ${status} | ${tx["transactionReference"] ?? "—"} | ${naira(tx["amountPaid"])} | ${humanDate(tx["paidOn"])} |`;
+    }).join("\n");
+    const page = Number(meta.number ?? 0) + 1;
+    const totalPages = Number(meta.totalPages ?? 1);
+    return [
+        `📋 **Transactions** — ${meta.totalElements ?? 0} total | Page ${page} of ${totalPages}`,
+        ``,
+        `| Status | Reference | Amount | Date |`,
+        `|--------|-----------|--------|------|`,
+        rows,
+    ].join("\n");
+}
+export function formatReserveAccount(d) {
+    const accounts = Array.isArray(d["accounts"])
+        ? d["accounts"]
+            .map(a => `  • **${a["bankName"] ?? a["bankCode"] ?? "Bank"}:** ${a["accountNumber"] ?? "—"}`)
+            .join("\n")
+        : "—";
+    return [
+        `🏦 **Reserved Account Created**`,
+        ``,
+        `**Account Name:** ${d["accountName"] ?? "—"}`,
+        `**Customer:** ${d["customerName"] ?? "—"} (${d["customerEmail"] ?? "—"})`,
+        `**Status:** ${statusIcon(d["status"])} ${d["status"] ?? "—"}`,
+        `**Account Reference:** ${d["accountReference"] ?? "—"}`,
+        `**Reservation Reference:** ${d["reservationReference"] ?? "—"}`,
+        `**Currency:** ${d["currencyCode"] ?? "—"}`,
+        `**Created On:** ${humanDate(d["createdOn"])}`,
+        ``,
+        `**Virtual Account Numbers:**`,
+        accounts,
+    ].join("\n");
+}
+export function formatCreateInvoice(d) {
+    return [
+        `🧾 **Invoice Created**`,
+        ``,
+        `**Invoice Reference:** ${d["invoiceReference"] ?? "—"}`,
+        `**Status:** ${statusIcon(d["invoiceStatus"])} ${d["invoiceStatus"] ?? "—"}`,
+        `**Amount:** ${naira(d["amount"])}`,
+        `**Customer:** ${d["customerName"] ?? "—"} (${d["customerEmail"] ?? "—"})`,
+        `**Expires:** ${humanDate(d["expiryDate"])}`,
+        `**Created On:** ${humanDate(d["createdOn"])}`,
+        d["offlinePaymentCode"] ? `**Offline Payment Code:** ${d["offlinePaymentCode"]}` : null,
+        ``,
+        `**Invoice URL:** ${d["invoiceUrl"] ?? d["checkoutUrl"] ?? "—"}`,
+    ].filter(Boolean).join("\n");
+}
+export function formatChargeCard(d) {
+    const status = String(d["status"] ?? "");
+    const lines = [
+        `💳 **Card Charge ${statusIcon(status)} ${status}**`,
+        ``,
+        `**Transaction Reference:** ${d["transactionReference"] ?? "—"}`,
+        `**Payment Reference:** ${d["paymentReference"] ?? "—"}`,
+        `**Authorized Amount:** ${naira(d["authorizedAmount"])}`,
+        `**Message:** ${d["message"] ?? "—"}`,
+    ];
+    if (d["otpData"]) {
+        lines.push(``, `> An OTP has been sent. Use \`monnify_authorise_card_otp\` to complete this transaction.`);
+    }
+    if (d["secure3dData"]) {
+        const redirect = d["secure3dData"]?.["redirectUrl"] ?? "—";
+        lines.push(``, `**3DS Redirect URL:** ${redirect}`);
+        lines.push(`> Redirect the customer to complete 3D Secure authentication.`);
+    }
+    return lines.join("\n");
+}
+export function formatAuthoriseCardOtp(d) {
+    const status = String(d["status"] ?? "");
+    return [
+        `🔐 **OTP Authorisation ${statusIcon(status)} ${status}**`,
+        ``,
+        `**Transaction Reference:** ${d["transactionReference"] ?? "—"}`,
+        `**Payment Reference:** ${d["paymentReference"] ?? "—"}`,
+        `**Authorized Amount:** ${naira(d["authorizedAmount"])}`,
+        `**Message:** ${d["message"] ?? "—"}`,
+    ].join("\n");
+}
+export function formatAuthoriseCard3ds(d) {
+    const status = String(d["status"] ?? "");
+    return [
+        `🔐 **3DS Authorisation ${statusIcon(status)} ${status}**`,
+        ``,
+        `**Transaction Reference:** ${d["transactionReference"] ?? "—"}`,
+        `**Payment Reference:** ${d["paymentReference"] ?? "—"}`,
+        `**Authorized Amount:** ${naira(d["authorizedAmount"])}`,
+        d["redirectUrl"] ? `**Redirect URL:** ${d["redirectUrl"]}` : null,
+    ].filter(Boolean).join("\n");
+}
+export function formatChargeCardToken(d) {
+    const status = String(d["paymentStatus"] ?? "");
+    return [
+        `💳 **Card Token Charge ${statusIcon(status)} ${status}**`,
+        ``,
+        `**Transaction Reference:** ${d["transactionReference"] ?? "—"}`,
+        `**Payment Reference:** ${d["paymentReference"] ?? "—"}`,
+        `**Amount Paid:** ${naira(d["amountPaid"])}`,
+        `**Total Payable:** ${naira(d["totalPayable"])}`,
+        `**Settlement Amount:** ${naira(d["settlementAmount"])}`,
+        `**Currency:** ${d["currency"] ?? "—"}`,
+        `**Payment Method:** ${d["paymentMethod"] ?? "—"}`,
+        `**Paid On:** ${humanDate(d["paidOn"])}`,
+    ].join("\n");
+}
+export function formatBankTransferPayment(d) {
+    return [
+        `🏦 **Bank Transfer Payment Details**`,
+        ``,
+        `**Pay ${naira(d["amount"])} to:**`,
+        `**Account Number:** ${d["accountNumber"] ?? "—"}`,
+        `**Account Name:** ${d["accountName"] ?? "—"}`,
+        `**Bank:** ${d["bankName"] ?? "—"} (${d["bankCode"] ?? "—"})`,
+        ``,
+        `**Fee:** ${naira(d["fee"])}`,
+        `**Total Payable (inc. fee):** ${naira(d["totalPayableFee"])}`,
+        `**Expires:** ${humanDate(d["expiryDate"])}`,
+        ``,
+        `> Transfer the exact amount above before the expiry time.`,
+    ].join("\n");
+}
+export function formatProcessRefund(d) {
+    const status = String(d["refundStatus"] ?? "");
+    return [
+        `↩️ **Refund ${statusIcon(status)} ${status}**`,
+        ``,
+        `**Refund Reference:** ${d["refundReference"] ?? "—"}`,
+        `**Transaction Reference:** ${d["transactionReference"] ?? "—"}`,
+        `**Refund Amount:** ${naira(d["refundAmount"])}`,
+        `**Reason:** ${d["refundReason"] ?? "—"}`,
+        `**Destination Account:** ${d["destinationAccountNumber"] ?? "—"} (${d["destinationAccountBankCode"] ?? "—"})`,
+        `**Initiated On:** ${humanDate(d["createdOn"])}`,
+    ].join("\n");
+}
+// ── Direct Debit ──────────────────────────────────────────────────────────────
+export function formatCreateMandate(d) {
+    const status = String(d["mandateStatus"] ?? "");
+    return [
+        `📄 **Direct Debit Mandate Created**`,
+        ``,
+        `**Mandate Reference:** ${d["mandateReference"] ?? "—"}`,
+        `**Mandate Code:** ${d["mandateCode"] ?? "—"}`,
+        `**Status:** ${statusIcon(status)} ${status}`,
+        `**Amount:** ${naira(d["mandateAmount"])}`,
+        `**Valid:** ${humanDate(d["startDate"])} → ${humanDate(d["endDate"])}`,
+        ``,
+        `**Authorization Link:** ${d["authorizationLink"] ?? "—"}`,
+        ``,
+        `> Share the authorization link with the customer to approve the mandate.`,
+    ].join("\n");
+}
+export function formatMandateStatus(d) {
+    const status = String(d["mandateStatus"] ?? "");
+    return [
+        `${statusIcon(status)} **Mandate Status: ${status}**`,
+        ``,
+        `**Mandate Reference:** ${d["mandateReference"] ?? "—"}`,
+        `**Mandate Code:** ${d["mandateCode"] ?? "—"}`,
+        `**Customer:** ${d["customerName"] ?? "—"} — ${d["customerAccountNumber"] ?? "—"}`,
+        `**Amount:** ${naira(d["mandateAmount"])}`,
+        `**Valid:** ${humanDate(d["startDate"])} → ${humanDate(d["endDate"])}`,
+        d["authorizationLink"] ? `**Authorization Link:** ${d["authorizationLink"]}` : null,
+    ].filter(Boolean).join("\n");
+}
+export function formatDebitStatus(d) {
+    const status = String(d["debitStatus"] ?? "");
+    return [
+        `${statusIcon(status)} **Debit Status: ${status}**`,
+        ``,
+        `**Debit Reference:** ${d["debitReference"] ?? "—"}`,
+        `**Mandate Reference:** ${d["mandateReference"] ?? "—"}`,
+        `**Amount:** ${naira(d["amount"])}`,
+        `**Debit Date:** ${humanDate(d["debitDate"])}`,
+    ].join("\n");
+}
+// ── Reserved Account Management ───────────────────────────────────────────────
+export function formatReservedAccountDetails(d) {
+    const accounts = Array.isArray(d["accounts"])
+        ? d["accounts"]
+            .map(a => `  • **${a["bankName"] ?? a["bankCode"] ?? "Bank"}:** ${a["accountNumber"] ?? "—"}`)
+            .join("\n")
+        : "—";
+    return [
+        `🏦 **Reserved Account Details**`,
+        ``,
+        `**Account Name:** ${d["accountName"] ?? "—"}`,
+        `**Customer:** ${d["customerName"] ?? "—"} (${d["customerEmail"] ?? "—"})`,
+        `**Status:** ${statusIcon(d["status"])} ${d["status"] ?? "—"}`,
+        `**Account Reference:** ${d["accountReference"] ?? "—"}`,
+        `**Reservation Reference:** ${d["reservationReference"] ?? "—"}`,
+        `**Currency:** ${d["currencyCode"] ?? "—"}`,
+        `**Created On:** ${humanDate(d["createdOn"])}`,
+        ``,
+        `**Virtual Account Numbers:**`,
+        accounts,
+    ].join("\n");
+}
+export function formatReservedAccountTransactions(transactions, meta) {
+    if (!transactions.length) {
+        return `📭 **No transactions found** for reserved account **${meta.accountReference}**.`;
+    }
+    const rows = transactions.map(tx => {
+        const status = String(tx["paymentStatus"] ?? "");
+        return `| ${statusIcon(status)} ${status} | ${tx["transactionReference"] ?? "—"} | ${naira(tx["amountPaid"])} | ${humanDate(tx["paidOn"])} |`;
+    }).join("\n");
+    const page = Number(meta.number ?? 0) + 1;
+    const totalPages = Number(meta.totalPages ?? 1);
+    return [
+        `📋 **Transactions for ${meta.accountReference}** — ${meta.totalElements ?? 0} total | Page ${page} of ${totalPages}`,
+        ``,
+        `| Status | Reference | Amount | Date |`,
+        `|--------|-----------|--------|------|`,
+        rows,
+    ].join("\n");
+}
+export function formatDeallocateAccount(d) {
+    return [
+        `🗑️ **Reserved Account Deallocated**`,
+        ``,
+        `**Account Reference:** ${d["accountReference"] ?? "—"}`,
+        `**Account Name:** ${d["accountName"] ?? "—"}`,
+        `**Status:** ${d["status"] ?? "—"}`,
+        ``,
+        `> This virtual account has been permanently removed and can no longer receive payments.`,
+    ].join("\n");
+}
+export function formatCancelMandate(d) {
+    const status = String(d["mandateStatus"] ?? "");
+    return [
+        `${statusIcon(status)} **Mandate ${status}**`,
+        ``,
+        `**Mandate Reference:** ${d["mandateReference"] ?? "—"}`,
+        `**Status:** ${status}`,
+    ].join("\n");
+}
+//# sourceMappingURL=format.js.map