payment-kit 1.24.1 → 1.24.3

package/api/src/locales/en.ts

@@ -66,8 +66,8 @@ export default flat({
     },
 
     webhookEndpointFailed: {
-      title: 'Webhook endpoint alert: {webhookUrl}',
-      body: 'Your webhook endpoint has failed {failedCount} times consecutively. Please check the webhook details and ensure the endpoint is accessible and functioning correctly.',
+      title: 'System Alert: Webhook Failure ({webhookUrl})',
+      body: 'Your webhook endpoint has failed {failedCount} times in a row. Please check your endpoint configuration immediately.',
     },
 
     sendTo: 'Sent to',
@@ -89,38 +89,70 @@ export default flat({
       view: 'Manage subscriptions',
     },
 
+    healthReport: {
+      title: 'Payment Kit Daily Data Report',
+      period: 'Data period: {start} – {end} (UTC)',
+      attentionSummary: '⚠️ {count} items need attention',
+      attentionSummaryEmpty: '✅ No items need attention today',
+      attentionEmpty: 'No items need attention',
+      attentionUnreportedLabel: 'Metering anomaly subscriptions',
+      attentionUnreportedValue: '{count} total, IDs: {ids}',
+      attentionDiscrepantLabel: 'Billing discrepancy subscriptions',
+      attentionDiscrepantValue: '{count} total, IDs: {ids}',
+      attentionPendingConsumptionLabel: 'Overdue consumption',
+      attentionPendingConsumptionValue: '{customers} customers, total {amount}',
+      attentionRefundLabel: 'Refunds',
+      attentionRefundValue: '{refundCount} refunds, total {refundAmount}',
+      attentionPastDueLabel: 'Past due subscriptions',
+      attentionPastDueValue: '{count}',
+      coreMetricsTitle: '💰 Core Operating Metrics',
+      coreRevenueLabel: 'Revenue',
+      coreRevenueValue: '{revenue}',
+      coreNewSubscriptionsLabel: 'New subscriptions',
+      coreNewSubscriptionsValue: '{count}',
+      coreCanceledSubscriptionsLabel: 'Canceled subscriptions',
+      coreCanceledSubscriptionsValue: '{count}',
+      corePaymentSuccessRateLabel: 'Payment success rate',
+      corePaymentSuccessRateValue: '{rate}% ({succeeded}, {failed})',
+      paymentSuccessCount: 'Success {count}',
+      paymentFailedCount: 'Failed {count}',
+      viewDataOverview: 'Data Overview',
+      viewSubscriptions: 'View Subscriptions',
+      viewOverdue: 'View Overdue Consumption',
+    },
+
     subscriptionTrialStart: {
-      title: 'Welcome to the start of your {productName} trial',
-      body: 'Congratulations on starting your {productName} trial! Your trial period is {trialDuration} and will end on {subscriptionTrialEnd}. Enjoy exploring {productName}!',
+      title: '{productName} Trial Active',
+      body: 'Your {productName} trial is now active. You have full access until {subscriptionTrialEnd}.',
     },
 
     subscriptionTrialWillEnd: {
-      title: 'The {productName} trial will end soon',
-      body: 'Your trial for {productName} will end in {willRenewDuration}. Please ensure your account balance is sufficient for automatic billing after the trial ends. Thank you for your support and trust!',
+      title: 'Trial Ending Soon: {productName}',
+      body: 'Your trial for {productName} ends in {willRenewDuration}. To ensure uninterrupted service, please check your payment details.',
       unableToPayBody:
-        'Your trial for {productName} will end in {willRenewDuration}. Your current balance is {balance}, which is less than {price}. Please ensure your balance is sufficient for automatic billing. Thank you for your support and trust!',
+        'Your trial ends in {willRenewDuration}, but your current balance ({balance}) is below the renewal price ({price}). Please add funds to ensure uninterrupted service.',
       unableToPayReason:
-        'The estimated payment amount is {price}, but your current balance is insufficient ({balance}). Please ensure your account has enough balance to avoid payment failure.',
+        'The estimated renewal is {price}, but your balance is only {balance}. Please add funds to avoid payment failure.',
     },
 
     subscriptionSucceed: {
-      title: "Congratulations! You've successfully subscribed to {productName}",
-      body: 'Thank you for successfully subscribing to {productName} on {at}. We are happy to provide you with excellent service, and we wish you a pleasant experience.',
+      title: '{productName} is ready to use',
+      body: 'Your subscription is confirmed. You can now access {productName} or manage your deployment settings below.',
     },
 
     oneTimePaymentSucceeded: {
-      title: 'Congratulations! Your purchase of {productName} was successful',
-      body: 'Thank you for successfully purchasing {productName} on {at}. We will provide you with excellent service, and we wish you a pleasant experience!',
+      title: 'Purchase Confirmed: {productName}',
+      body: 'We have received your payment for {productName} on {at}. Your service is ready to use.',
     },
 
     subscriptionUpgraded: {
-      title: 'Congratulations! Your subscription plan for {productName} has been successfully upgraded',
-      body: 'Your subscription plan for {productName} has been successfully upgraded on {at}. Thank you for your support, and we wish you a pleasant experience!',
+      title: 'Upgrade Complete: {productName}',
+      body: 'Your {productName} plan was successfully upgraded on {at}. All new features are available immediately.',
     },
 
     subscriptionWillRenew: {
-      title: '{productName} automatic payment reminder',
-      body: 'Your subscription to {productName} is scheduled for automatic payment on {at}({willRenewDuration} later). If you have any questions or need assistance, please feel free to contact us.',
+      title: 'Upcoming renewal: {productName}',
+      body: 'Just a heads up that your subscription for {productName} will renew on {at}. No action is needed if you want to keep running.',
       unableToPayBody:
         'Your subscription to {productName} is scheduled for automatic payment on {at}({willRenewDuration} later). If you have any questions or need assistance, please feel free to contact us.',
       unableToPayReason:
@@ -130,14 +162,14 @@ export default flat({
     },
 
     subscriptionRenewed: {
-      title: '{productName} payment successful',
-      body: 'Payment for your {productName} subscription was successfully collected on {at}. Thanks for your continued support and trust. We wish you a pleasant experience using this service!',
+      title: 'Payment Successful: {productName}',
+      body: 'Your renewal for {productName} was processed on {at}. No further action is needed.',
       noExpenseIncurred: 'No expenses incurred during the service period',
     },
 
     subscriptionRenewFailed: {
-      title: '{productName} automatic payment failed',
-      body: 'We are sorry to inform you that your {productName} automatic payment failed on {at}. If you have any questions, please contact us promptly. Thank you!',
+      title: 'Action Required: Payment for {productName} failed',
+      body: "We couldn't process the renewal for {productName} on {at}. To prevent your App from going offline, please update your payment method.",
       reason: {
         noDidWallet: 'You have not connected a DID Wallet. Please connect your DID Wallet to ensure sufficient balance',
         noDelegation: 'Your DID Wallet has not been authorized. Please update authorization',
@@ -156,8 +188,8 @@ export default flat({
     },
 
     autoRechargeFailed: {
-      title: 'Auto Top-Up payment failed',
-      body: 'We are sorry to inform you that your {creditCurrencyName} auto top-up automatic payment failed on {at}. If you have any questions, please contact us promptly. Thank you!',
+      title: 'Action Required: Auto Top-Up Failed',
+      body: "We couldn't process your auto top-up for {creditCurrencyName} on {at}. Please update your payment method to ensure your services stay online.",
       reason: {
         noDidWallet: 'You have not connected a DID Wallet. Please connect your DID Wallet to ensure sufficient balance',
         noDelegation: 'Your DID Wallet has not been authorized. Please update authorization',
@@ -175,9 +207,16 @@ export default flat({
       },
     },
 
+    autoRechargeDailyLimitExceeded: {
+      title: 'Auto Top-Up daily limit reached',
+      body: 'Your {creditCurrencyName} balance is low, but auto top-up was not triggered because you have reached the daily recharge limit on {at}. You can manually reload or wait until tomorrow for automatic top-up.',
+      dailyLimit: 'Daily Limit',
+      dailyUsed: 'Used Today',
+    },
+
     subscriptionRefundSucceeded: {
-      title: '{productName} refund successful',
-      body: 'Your subscription to {productName} has been successfully refunded on {at}, with a refund amount of {refundInfo}. If you have any questions, please feel free to contact us.',
+      title: 'Refund Processed: {productName}',
+      body: 'A refund of {refundInfo} for {productName} was processed on {at}. It may take a few days to appear in your account.',
     },
 
     oneTimePaymentRefundSucceeded: {
@@ -207,23 +246,23 @@ export default flat({
 
     customerRevenueSucceeded: {
       donate: {
-        title: 'You received a tip',
-        body: 'Congratulations! On {at}, you received a tip of {amount} from {user}.',
+        title: 'New Tip Received!',
+        body: 'You received a tip of {amount} from {user} on {at}. Nice work!',
         tipDetail: 'View Tip Reference',
       },
       payment: {
-        title: 'You received a payment',
-        body: 'Congratulations! On {at}, you received a payment of {amount} from {user}.',
+        title: 'Payment Received',
+        body: 'You received a payment of {amount} from {user} on {at}.',
       },
       sender: 'Payer',
       viewDetail: 'View Details',
       sent: '{address} has sent {amount}',
     },
     subscriptWillCanceled: {
-      title: '{productName} subscription is about to be cancelled',
+      title: 'Subscription Cancelled: {productName}',
+      body: "This subscription has been cancelled and will end on {at}. If this was a mistake, or if you'd like to reactivate, you can do so below.",
       pastDue:
         'Your {productName} subscription will be automatically cancelled by the system after {at} ({willCancelDuration} later) due to repeated automatic payment failures. Please resolve the automatic payment issue manually to avoid service interruption. If you have any questions, please feel free to contact us.',
-      body: 'Your subscription to {productName} will be automatically canceled on {at} ({willCancelDuration} later). If you have any questions, please feel free to contact us.',
       renewAmount: 'Deduction amount',
       cancelReason: 'Cancel reason',
       revokeStake: 'Revoke stake',
@@ -263,11 +302,9 @@ export default flat({
     },
 
     creditInsufficient: {
-      title: 'Insufficient Credit Balance',
+      title: 'Service Risk: Low Credit Balance',
       bodyWithSubscription:
-        'Your available credit balance ({availableAmount}) is not enough to cover your subscription to {subscriptionName}. To ensure uninterrupted service, please reload your account.',
-      bodyWithoutSubscription:
-        'Your available credit balance ({availableAmount}) is not enough to continue using the service. To ensure uninterrupted service, please reload your account.',
+        'Your credits ({availableAmount}) are too low to maintain your {subscriptionName} subscription. Please reload now to ensure your App stays online.',
       exhaustedTitle: 'Credit Balance Exhausted – Please Reload',
       exhaustedBodyWithSubscription:
         'Your credit balance is fully exhausted and can no longer cover your subscription to {subscriptionName}. To ensure uninterrupted service, please reload your account.',
@@ -276,6 +313,7 @@ export default flat({
       meterEventName: 'Service',
       availableCredit: 'Available Balance',
       requiredCredit: 'Required Credit',
+      pendingAmount: 'Outstanding Amount',
     },
 
     creditGrantGranted: {
@@ -288,8 +326,8 @@ export default flat({
     },
 
     creditLowBalance: {
-      title: 'Your credit balance is low',
-      body: 'Your {currency} balance has dropped to critical levels ({lowBalancePercentage}). To ensure uninterrupted service, please reload your account.',
+      title: 'Low Balance Alert',
+      body: 'Your {currency} balance is down to {lowBalancePercentage}. Please reload soon to prevent service interruption.',
       remainingBalance: 'Remaining Balance',
       status: 'Status',
       lessThanOnePercent: 'less than 1%',

package/api/src/locales/zh.ts

@@ -76,11 +76,6 @@ export default flat({
       body: '检测到 {productName} 账单金额核算不一致，请留意。',
     },
 
-    webhookEndpointFailed: {
-      title: 'Webhook 端点警告: {webhookUrl}',
-      body: '您的 Webhook 端点已连续失败 {failedCount} 次，请查看详情并确保端点可正常访问和工作。',
-    },
-
     meteringSubscriptionDetection: {
       title: '[{appName}] 按量计费订阅检测',
       body: '在 {startTimeStr} - {endTimeStr} 期间，共扫描了 {totalCount} 份按量计费的订阅，其中 {normalCount} 份为正常订阅，{abnormalCount} 份存在异常，包括 {unreportedCount} 份未上报的订阅和 {discrepantCount} 份账单核算有问题的订阅。\n\n 异常订阅:',
@@ -88,38 +83,74 @@ export default flat({
       view: '管理订阅',
     },
 
+    webhookEndpointFailed: {
+      title: '系统警报：Webhook 失败 ({webhookUrl})',
+      body: '您的 Webhook 端点已连续失败 {failedCount} 次，请立即检查您的端点配置。',
+    },
+
+    healthReport: {
+      title: 'Payment Kit 每日数据报告',
+      period: '数据周期：{start} – {end}（UTC）',
+      attentionSummary: '⚠️ {count} 个需要关注的事项',
+      attentionSummaryEmpty: '✅ 今日无需要关注的事项',
+      attentionEmpty: '暂无需要关注的事项',
+      attentionUnreportedLabel: '计费异常订阅',
+      attentionUnreportedValue: '共 {count} 个，ID：{ids}',
+      attentionDiscrepantLabel: '计费差异订阅',
+      attentionDiscrepantValue: '共 {count} 个，ID：{ids}',
+      attentionPendingConsumptionLabel: '欠费额度',
+      attentionPendingConsumptionValue: '{customers} 个用户，合计 {amount}',
+      attentionRefundLabel: '退款',
+      attentionRefundValue: '{refundCount} 笔退款，合计 {refundAmount}',
+      attentionPastDueLabel: '逾期订阅',
+      attentionPastDueValue: '{count} 个',
+      coreMetricsTitle: '💰 核心运营指标',
+      coreRevenueLabel: '收入',
+      coreRevenueValue: '{revenue}',
+      coreNewSubscriptionsLabel: '新增订阅',
+      coreNewSubscriptionsValue: '{count} 个',
+      coreCanceledSubscriptionsLabel: '取消订阅',
+      coreCanceledSubscriptionsValue: '{count} 个',
+      corePaymentSuccessRateLabel: '支付成功率',
+      corePaymentSuccessRateValue: '{rate}%，{succeeded}，{failed}',
+      paymentSuccessCount: '成功 {count} 笔',
+      paymentFailedCount: '失败 {count} 笔',
+      viewDataOverview: '数据总览',
+      viewSubscriptions: '查看订阅列表',
+      viewOverdue: '查看欠费额度',
+    },
+
     subscriptionTrialStart: {
-      title: '欢迎开始您的 {productName} 试用之旅',
-      body: '恭喜您获得了 {productName} 的试用资格！试用期时长为 {trialDuration}，将于 {subscriptionTrialEnd} 结束。祝您使用愉快！',
+      title: '{productName} 试用已激活',
+      body: '您的 {productName} 试用现已激活。在 {subscriptionTrialEnd} 之前，您可以完全使用所有功能。',
     },
 
     subscriptionTrialWillEnd: {
-      title: '{productName} 试用期即将结束',
-      body: '您订阅的 {productName} 试用资格将在 {willRenewDuration} 后结束。请确保您的账户余额充足，以便在试用期结束后自动完成扣费。感谢您的支持与信任！',
+      title: '试用期即将结束：{productName}',
+      body: '您的 {productName} 试用期将在 {willRenewDuration} 后结束。为确保服务不中断，请检查您的支付详情。',
       unableToPayBody:
-        '您订阅的 {productName} 试用资格将在 {willRenewDuration} 后结束。您的当前余额为 {balance}，不足 {price}，请确保余额充足以便自动完成扣费。感谢您的支持与信任！',
-      unableToPayReason:
-        '预计扣款金额为 {price}，但当前余额不足(余额为 {balance})，请确保您的账户余额充足，避免扣费失败。',
+        '您的试用期将在 {willRenewDuration} 后结束，但您的当前余额（{balance}）低于续费价格（{price}）。请充值以确保服务不中断。',
+      unableToPayReason: '预计续费金额为 {price}，但您的余额仅为 {balance}。请充值以避免扣费失败。',
     },
 
     subscriptionSucceed: {
-      title: '恭喜！您已成功订阅 {productName}',
-      body: '感谢您于 {at} 成功订阅了 {productName}。我们将竭诚为您提供优质的服务，祝您使用愉快！',
+      title: '{productName} 已准备就绪',
+      body: '您的订阅已确认。您现在可以访问 {productName} 或在下方管理您的部署设置。',
     },
 
     oneTimePaymentSucceeded: {
-      title: '恭喜！您已成功购买 {productName}',
-      body: '感谢您于 {at} 成功购买了 {productName}。我们将竭诚为您提供优质的服务，祝您使用愉快！',
+      title: '购买已确认：{productName}',
+      body: '我们已收到您在 {at} 对 {productName} 的付款。您的服务已准备就绪。',
     },
 
     subscriptionUpgraded: {
-      title: '恭喜！您订阅的 {productName} 套餐已成功变更',
-      body: '您订阅的 {productName} 套餐已于 {at} 变更成功，感谢您的支持，祝您使用愉快！',
+      title: '升级完成：{productName}',
+      body: '您的 {productName} 套餐已于 {at} 成功升级。所有新功能现已立即可用。',
     },
 
     subscriptionWillRenew: {
-      title: '{productName} 自动扣费提醒',
-      body: '您订阅的 {productName} 将在 {at}({willRenewDuration}后) 发起自动扣费。若有任何疑问或需要帮助，请随时与我们联系。',
+      title: '即将续费：{productName}',
+      body: '提醒您，{productName} 订阅将在 {at} 续费。如果您想继续运行，无需任何操作。',
       unableToPayBody:
         '您订阅的 {productName} 将在 {at}({willRenewDuration}后) 发起自动扣费，若有任何疑问或者需要帮助，请随时与我们联系。',
       unableToPayReason:
@@ -129,14 +160,14 @@ export default flat({
     },
 
     subscriptionRenewed: {
-      title: '{productName} 扣费成功',
-      body: '您的 {productName} 已于 {at} 扣费成功。感谢您的持续支持与信任，祝您使用愉快！',
+      title: '扣费成功：{productName}',
+      body: '您的 {productName} 续费已于 {at} 处理完成。无需进一步操作。',
       noExpenseIncurred: '服务期间未产生费用',
     },
 
     subscriptionRenewFailed: {
-      title: '{productName} 扣费失败',
-      body: '很抱歉地通知您，您的 {productName} 于 {at} 扣费失败。如有任何疑问，请及时联系我们。谢谢！',
+      title: '需要操作：{productName} 扣费失败',
+      body: '我们无法处理 {productName} 在 {at} 的续费。为防止您的应用下线，请更新您的支付方式。',
       reason: {
         noDidWallet: '您尚未绑定 DID Wallet，请绑定 DID Wallet，确保余额充足。',
         noDelegation: '您的 DID Wallet 尚未授权，请更新授权。',
@@ -151,8 +182,8 @@ export default flat({
       },
     },
     autoRechargeFailed: {
-      title: '自动充值扣费失败',
-      body: '很抱歉地通知您，您的 {creditCurrencyName} 自动充值于 {at} 扣费失败。如有任何疑问，请及时联系我们。谢谢！',
+      title: '需要操作：自动充值失败',
+      body: '我们无法处理您在 {at} 对 {creditCurrencyName} 的自动充值。请更新您的支付方式以确保服务保持在线。',
       reason: {
         noDidWallet: '您尚未绑定 DID Wallet，请绑定 DID Wallet，确保余额充足。',
         noDelegation: '您的 DID Wallet 尚未授权，请更新授权。',
@@ -167,9 +198,16 @@ export default flat({
       },
     },
 
+    autoRechargeDailyLimitExceeded: {
+      title: '自动充值已达每日限额',
+      body: '您的 {creditCurrencyName} 余额偏低，但由于已达到每日充值限额，自动充值于 {at} 未能触发。您可以手动充值，或等待明天自动充值。',
+      dailyLimit: '每日限额',
+      dailyUsed: '今日已用',
+    },
+
     subscriptionRefundSucceeded: {
-      title: '{productName} 退款成功',
-      body: '您订阅的 {productName} 在 {at} 已退款成功，退款金额为 {refundInfo}。如有任何疑问，请随时与我们联系。',
+      title: '退款已处理：{productName}',
+      body: '{productName} 的退款 {refundInfo} 已于 {at} 处理完成。可能需要几天时间才会显示在您的账户中。',
     },
 
     oneTimePaymentRefundSucceeded: {
@@ -199,13 +237,13 @@ export default flat({
 
     customerRevenueSucceeded: {
       donate: {
-        title: '您收到了一笔打赏',
-        body: '恭喜您于 {at} 收到了一笔来自 {user} 的打赏，打赏金额为 {amount}。',
+        title: '收到新打赏！',
+        body: '您于 {at} 收到了来自 {user} 的 {amount} 打赏。干得好！',
         tipDetail: '查看打赏原文',
       },
       payment: {
-        title: '您收到了一笔付款',
-        body: '恭喜您于 {at} 收到一笔来自 {user} 的 {amount}。',
+        title: '收到付款',
+        body: '您于 {at} 收到了来自 {user} 的 {amount} 付款。',
       },
       sender: '付款方',
       viewDetail: '查看详情',
@@ -213,10 +251,10 @@ export default flat({
     },
 
     subscriptWillCanceled: {
-      title: '{productName} 订阅即将取消',
+      title: '订阅已取消：{productName}',
+      body: '此订阅已被取消，将于 {at} 结束。如果这是个错误，或者您想重新激活，可以在下方操作。',
       pastDue:
         '由于长时间未能自动完成扣费，您订阅的 {productName} 将于 {at} ({willCancelDuration}后) 被系统自动取消订阅。请您及时手动处理扣费问题，以免影响使用。如有任何疑问，请随时与我们联系。',
-      body: '您订阅的 {productName} 将于 {at} ({willCancelDuration}后) 被系统取消订阅，如有疑问，请随时与我们联系。',
       renewAmount: '扣费金额',
       cancelReason: '取消原因',
       adminCanceled: '管理员取消',
@@ -253,10 +291,9 @@ export default flat({
     },
 
     creditInsufficient: {
-      title: '额度不足，服务可能受限',
+      title: '服务风险：额度偏低',
       bodyWithSubscription:
-        '您的信用额度仅剩 {availableAmount}，不足以支付您订阅的 {subscriptionName}。为避免服务中断，请及时充值。',
-      bodyWithoutSubscription: '您的信用额度仅剩 {availableAmount}，不足以继续使用服务。为避免服务受限，请及时充值。',
+        '您的额度（{availableAmount}）过低，无法维持您的 {subscriptionName} 订阅。请立即充值以确保您的应用保持在线。',
       exhaustedTitle: '额度已用尽，请尽快充值',
       exhaustedBodyWithSubscription:
         '您的信用额度已用尽，无法继续支付您订阅的 {subscriptionName}。为避免服务中断，请及时充值。',
@@ -264,6 +301,7 @@ export default flat({
       meterEventName: '服务项目',
       availableCredit: '剩余额度',
       requiredCredit: '所需额度',
+      pendingAmount: '待支付额度',
     },
 
     creditGrantGranted: {
@@ -276,8 +314,8 @@ export default flat({
     },
 
     creditLowBalance: {
-      title: '您的信用余额偏低',
-      body: '您的 {currency} 余额已降至临界水平（{lowBalancePercentage}）。为避免服务中断，请及时充值。',
+      title: '低余额警报',
+      body: '您的 {currency} 余额已降至 {lowBalancePercentage}。请尽快充值以防止服务中断。',
       remainingBalance: '剩余余额',
       status: '状态',
       lessThanOnePercent: '低于 1%',

package/api/src/queues/auto-recharge.ts

@@ -15,6 +15,7 @@ import {
   TPriceExpanded,
 } from '../store/models';
 import logger from '../libs/logger';
+import { createEvent } from '../libs/audit';
 import { createStripeInvoiceForAutoRecharge } from '../integrations/stripe/resource';
 import { ensureInvoiceAndItems } from '../libs/invoice';
 import dayjs from '../libs/dayjs';
@@ -126,6 +127,12 @@ export async function processAutoRecharge(job: AutoRechargeJobData) {
       customerId,
       currencyId,
     });
+    // Send notification when daily limit is exceeded
+    createEvent('Customer', 'customer.auto_recharge.daily_limit_exceeded', customer, {
+      autoRechargeConfigId: config.id,
+      currencyId,
+      currentBalance: totalAvailable.toString(),
+    });
     return;
   }
 

package/api/src/queues/credit-consume.ts

@@ -55,7 +55,9 @@ async function checkLowBalance(
     const totalCreditAmountBn = new BN(totalCreditAmount);
     if (totalCreditAmountBn.lte(new BN(0))) return;
     const remainingAmountBn = new BN(remainingBalance);
-    const threshold = totalCreditAmountBn.mul(new BN(10)).div(new BN(100));
+    // Get threshold percentage from env var, default to 10%
+    const thresholdPercentage = parseInt(process.env.CREDIT_LOW_BALANCE_THRESHOLD_PERCENTAGE || '10', 10);
+    const threshold = totalCreditAmountBn.mul(new BN(thresholdPercentage)).div(new BN(100));
     if (remainingAmountBn.gt(new BN(0)) && remainingAmountBn.lte(threshold)) {
       const percentage = remainingAmountBn.mul(new BN(100)).div(totalCreditAmountBn).toString();
       await createEvent('Customer', 'customer.credit.low_balance', context.customer, {
@@ -249,6 +251,9 @@ async function consumeAvailableCredits(
   const pendingAmount = Math.max(0, finalPending.toNumber()).toString();
   const remainingBalance = totalAvailable.sub(consumed).toString();
 
+  // Track whether insufficient event was triggered to skip low_balance notification
+  let insufficientTriggered = false;
+
   // 如果无法完全消费所需额度，记录不足事件
   if (finalPending.gt(new BN(0))) {
     logger.warn('Insufficient credit balance', {
@@ -260,6 +265,7 @@ async function consumeAvailableCredits(
       pendingAmount,
     });
     if ((context.subscription && context.subscription.isActive()) || !context.subscription) {
+      insufficientTriggered = true;
       await createEvent('Customer', 'customer.credit.insufficient', context.customer, {
         metadata: {
           meter_event_id: context.meterEvent.id,
@@ -297,6 +303,7 @@ async function consumeAvailableCredits(
       });
     }
   } else if (remainingBalance === '0') {
+    insufficientTriggered = true;
     await createEvent('Customer', 'customer.credit.insufficient', context.customer, {
       metadata: {
         meter_event_id: context.meterEvent.id,
@@ -312,7 +319,10 @@ async function consumeAvailableCredits(
     }).catch(console.error);
   }
 
-  await checkLowBalance(customerId, currencyId, totalCreditAmountBN.toString(), remainingBalance, context);
+  // Skip low_balance check if insufficient was already triggered (insufficient takes priority)
+  if (!insufficientTriggered) {
+    await checkLowBalance(customerId, currencyId, totalCreditAmountBN.toString(), remainingBalance, context);
+  }
 
   return {
     consumed: totalConsumed.toString(),
@@ -396,16 +406,26 @@ async function createCreditTransaction(
     fromUnitToToken(consumeAmount, context.meter.paymentCurrency.decimal),
     context.meter.paymentCurrency.symbol
   );
+
   let description = `Consume ${formattedAmount}`;
   const resolvedSubscriptionId =
     context.meterEvent.getSubscriptionId() || creditGrant.metadata?.subscription_id || context.subscription?.id;
+
   if (resolvedSubscriptionId) {
     description += ' for Subscription';
   }
+
   if (context.meterEvent.metadata?.description) {
     description = context.meterEvent.metadata.description;
   }
 
+  const hasPendingBalance = new BN(context.meterEvent.credit_pending || '0').gt(new BN(0));
+  const hasFailureHistory = !!(context.meterEvent.metadata?.last_error || context.meterEvent.metadata?.failed_at);
+  const isRepayment = hasPendingBalance && hasFailureHistory;
+  if (isRepayment) {
+    description = `Repay ${formattedAmount}`;
+  }
+
   try {
     const transaction = await CreditTransaction.create({
       customer_id: context.meterEvent.getCustomerId(),
@@ -425,6 +445,7 @@ async function createCreditTransaction(
         ...(context.meterEvent.metadata || {}),
         meter_event_id: context.meterEvent.id,
         grant_depleted: consumeResult.depleted,
+        is_repayment: isRepayment,
       },
     });