multi-payment-system 0.0.0-stage → 1.0.0

package/src/utils/money.js

@@ -0,0 +1,75 @@
+/**
+ * Zero-decimal currencies (amount already in major units for Stripe-style APIs).
+ * IDR/VND/etc. are treated as zero-decimal for Stripe; Midtrans/Xendit have their own rules.
+ */
+const ZERO_DECIMAL = new Set([
+  "BIF",
+  "CLP",
+  "DJF",
+  "GNF",
+  "IDR", // Stripe + SEA gateways treat rupiah as whole units
+  "JPY",
+  "KMF",
+  "KRW",
+  "MGA",
+  "PYG",
+  "RWF",
+  "UGX",
+  "VND",
+  "VUV",
+  "XAF",
+  "XOF",
+  "XPF",
+]);
+
+/** Currencies commonly used with SEA / SG / MY focus */
+export const SUPPORTED_CURRENCIES = [
+  "SGD",
+  "MYR",
+  "IDR",
+  "THB",
+  "PHP",
+  "VND",
+  "USD",
+  "INR",
+  "JPY",
+  "AUD",
+  "HKD",
+];
+
+export function normalizeCurrency(currency) {
+  return String(currency || "").trim().toUpperCase();
+}
+
+export function isZeroDecimal(currency) {
+  return ZERO_DECIMAL.has(normalizeCurrency(currency));
+}
+
+/**
+ * Convert major-unit amount (e..g. 10.50 SGD) to minor units (1050).
+ * Pass amountAlreadyMinor=true if the client already sent cents/sen.
+ */
+export function toMinorUnits(amount, currency, amountAlreadyMinor = false) {
+  const cur = normalizeCurrency(currency);
+  const n = Number(amount);
+  if (!Number.isFinite(n) || n < 0) {
+    throw new Error("Invalid amount");
+  }
+  if (amountAlreadyMinor || isZeroDecimal(cur)) {
+    return Math.round(n);
+  }
+  return Math.round(n * 100);
+}
+
+/** Convert minor units back to major for gateways that expect major units */
+export function toMajorUnits(minorAmount, currency) {
+  const cur = normalizeCurrency(currency);
+  if (isZeroDecimal(cur)) return Math.round(Number(minorAmount));
+  return Number(minorAmount) / 100;
+}
+
+export function formatMajor(minorAmount, currency) {
+  const major = toMajorUnits(minorAmount, currency);
+  if (isZeroDecimal(currency)) return String(Math.round(major));
+  return major.toFixed(2);
+}

package/src/utils/paymentMethods.js

@@ -0,0 +1,168 @@
+/**
+ * Normalize client paymentMethod / paymentMethods into gateway-specific values.
+ *
+ * Accepted aliases (any gateway):
+ *   card, qr, qris, ewallet, wallet, bank, bank_transfer, va,
+ *   paynow, promptpay, fpx, upi, gopay, grabpay, shopeepay, ovo, dana
+ */
+
+const ALIASES = {
+  card: "card",
+  credit_card: "card",
+  debit_card: "card",
+  qr: "qr",
+  qris: "qr",
+  qr_code: "qr",
+  qrcode: "qr",
+  ewallet: "ewallet",
+  wallet: "ewallet",
+  e_wallet: "ewallet",
+  bank: "bank",
+  bank_transfer: "bank",
+  va: "bank",
+  virtual_account: "bank",
+  paynow: "paynow",
+  sgqr: "sgqr",
+  promptpay: "promptpay",
+  apple_pay: "apple_pay",
+  google_pay: "google_pay",
+  fpx: "fpx",
+  upi: "upi",
+  gopay: "gopay",
+  grabpay: "grabpay",
+  shopeepay: "shopeepay",
+  ovo: "ovo",
+  dana: "dana",
+  linkaja: "linkaja",
+};
+
+export const PAYMENT_METHOD_HINTS = {
+  common: ["card", "qr", "ewallet", "bank", "paynow", "promptpay", "fpx", "upi"],
+  xendit: {
+    card: ["CREDIT_CARD"],
+    // "qr" is remapped by currency below (SGD→PAYNOW, IDR→QRIS, THB→PROMPTPAY)
+    qr: ["QRIS"],
+    ewallet: ["GRABPAY", "OVO", "DANA", "LINKAJA", "SHOPEEPAY", "GCASH", "PAYMAYA"],
+    bank: ["VIRTUAL_ACCOUNT", "DIRECT_DEBIT"],
+    // Xendit SG PayNow QR channel code is SGQR (not PAYNOW)
+    paynow: ["SGQR"],
+    sgqr: ["SGQR"],
+    promptpay: ["PROMPTPAY"],
+    grabpay: ["GRABPAY"],
+    ovo: ["OVO"],
+    dana: ["DANA"],
+    shopeepay: ["SHOPEEPAY"],
+    apple_pay: ["CREDIT_CARD"],
+    google_pay: ["CREDIT_CARD"],
+  },
+  midtrans: {
+    card: ["credit_card"],
+    qr: ["qris", "gopay", "shopeepay"],
+    ewallet: ["gopay", "shopeepay", "other_qris"],
+    bank: ["bank_transfer", "echannel", "permata_va", "bca_va", "bni_va", "bri_va"],
+    gopay: ["gopay"],
+    shopeepay: ["shopeepay"],
+  },
+  stripe: {
+    card: ["card"],
+    qr: ["paynow", "promptpay", "alipay"],
+    ewallet: ["grabpay", "alipay", "wechat_pay"],
+    bank: ["fpx", "paynow"],
+    paynow: ["paynow"],
+    promptpay: ["promptpay"],
+    fpx: ["fpx"],
+    grabpay: ["grabpay"],
+  },
+  razorpay: {
+    card: ["card"],
+    qr: ["upi"],
+    ewallet: ["wallet"],
+    bank: ["netbanking"],
+    upi: ["upi"],
+  },
+  omise: {
+    card: ["card"],
+    qr: ["promptpay", "paynow"],
+    ewallet: ["truemoney", "alipay"],
+    bank: ["fpx", "internet_banking_bay", "internet_banking_bbl"],
+    paynow: ["paynow"],
+    promptpay: ["promptpay"],
+    fpx: ["fpx"],
+  },
+};
+
+export function normalizeMethods(paymentMethod, paymentMethods) {
+  const list = [];
+  if (paymentMethod) list.push(paymentMethod);
+  if (Array.isArray(paymentMethods)) list.push(...paymentMethods);
+  if (typeof paymentMethods === "string") list.push(paymentMethods);
+
+  const out = [];
+  for (const raw of list) {
+    const key = String(raw || "")
+      .trim()
+      .toLowerCase()
+      .replace(/\s+/g, "_");
+    if (!key) continue;
+    const canon = ALIASES[key] || key;
+    if (!out.includes(canon)) out.push(canon);
+  }
+  return out;
+}
+
+export function mapMethodsForGateway(gateway, methods, currency) {
+  const gw = String(gateway || "").toLowerCase();
+  const table = PAYMENT_METHOD_HINTS[gw] || {};
+  const mapped = [];
+
+  for (const m of methods) {
+    const values = table[m];
+    if (values) {
+      for (const v of values) {
+        if (!mapped.includes(v)) mapped.push(v);
+      }
+      continue;
+    }
+    // pass-through vendor-specific codes (e.g. CREDIT_CARD, qris, paynow)
+    if (!mapped.includes(m)) mapped.push(m);
+  }
+
+  const cur = String(currency || "").toUpperCase();
+
+  // Currency-aware QR / ewallet mapping (SG account has PAYNOW + cards, not QRIS/OVO)
+  if (gw === "xendit") {
+    const out = [];
+    for (const m of methods) {
+      if (m === "qr" || m === "paynow" || m === "sgqr") {
+        if (cur === "SGD") out.push("SGQR");
+        else if (cur === "THB") out.push("PROMPTPAY");
+        else if (cur === "PHP") out.push("QRPH");
+        else out.push("QRIS");
+        continue;
+      }
+      if (m === "ewallet") {
+        if (cur === "SGD") out.push("GRABPAY");
+        else out.push("OVO", "DANA", "LINKAJA", "SHOPEEPAY", "GRABPAY");
+        continue;
+      }
+      if (m === "card") {
+        out.push("CREDIT_CARD");
+        continue;
+      }
+      const values = table[m];
+      if (values) out.push(...values);
+      else out.push(m);
+    }
+    return [...new Set(out)];
+  }
+
+  if (methods.includes("qr") && mapped.length) {
+    if (gw === "omise" || gw === "stripe") {
+      if (cur === "SGD") return ["paynow"];
+      if (cur === "THB") return ["promptpay"];
+      if (cur === "MYR" && gw === "stripe") return ["fpx"];
+    }
+  }
+
+  return mapped;
+}