Files
d045ece673 feat: add Increase Connector for the Payments Service (#322)
* Reflect new amount for returned/reverted transaction.
* Enhance payout and transfer response structures with transaction IDs and pending transaction IDs;
* Update payment creation logic to utilize new fields.
* Remove periodic execution of fetch_payments

* Update ParentReference and Reference fields in payment model for transfer creation

* Update pkg/client/

* Set return payment to SUCCEEDED, remove adjustment update

* trigger ready for review

* retrigger CI

* Reuse Refund functionality instead of created Returned upsert operation

* fix: ensure PendingTimeline and DeclinedTimeline are preserved in payments state

test: add unit test to preserve timeline states in FetchNextPayments

* Retrigger CI

---------

Co-authored-by: gitstart_bot <[email protected]>
2025-06-09 09:39:24 +00:00

298 lines
11 KiB
Go

package client
import (
"bytes"
"context"
"encoding/json"
"fmt"
"net/http"
"github.com/formancehq/payments/internal/connectors/metrics"
)
type ACHPayoutRequest struct {
AccountID string `json:"account_id"`
Amount int64 `json:"amount"`
IndividualName string `json:"individual_name"`
ExternalAccountID string `json:"external_account_id"`
StatementDescriptor string `json:"statement_descriptor"`
}
type ACHPayoutResponse struct {
ID string `json:"id"`
TransactionID string `json:"transaction_id"`
PendingTransactionID string `json:"pending_transaction_id"`
AccountID string `json:"account_id"`
AccountNumber string `json:"account_number"`
Amount int64 `json:"amount"`
Currency string `json:"currency"`
CreatedAt string `json:"created_at"`
Status string `json:"status"`
ExternalAccountID string `json:"external_account_id"`
}
type WireTransferPayoutRequest struct {
AccountID string `json:"account_id"`
Amount int64 `json:"amount"`
ExternalAccountID string `json:"external_account_id"`
BeneficiaryName string `json:"beneficiary_name"`
MessageToRecipient string `json:"message_to_recipient"`
}
type WireTransferPayoutResponse struct {
ID string `json:"id"`
TransactionID string `json:"transaction_id"`
PendingTransactionID string `json:"pending_transaction_id"`
AccountID string `json:"account_id"`
AccountNumber string `json:"account_number"`
Amount int64 `json:"amount"`
Currency string `json:"currency"`
BeneficiaryName string `json:"beneficiary_name"`
CreatedAt string `json:"created_at"`
Status string `json:"status"`
RoutingNumber string `json:"routing_number"`
ExternalAccountID string `json:"external_account_id"`
}
type MailingAddress struct {
City string `json:"city"`
Line1 string `json:"line1"`
Line2 *string `json:"line2,omitempty"`
Name *string `json:"name,omitempty"`
PostalCode string `json:"postal_code"`
State string `json:"state"`
}
type PhysicalCheck struct {
MailingAddress MailingAddress `json:"mailing_address"`
Memo string `json:"memo"`
RecipientName string `json:"recipient_name"`
}
type ThirdParty struct {
CheckNumber string `json:"check_number"`
}
type CheckPayoutRequest struct {
AccountID string `json:"account_id"`
Amount int64 `json:"amount"`
SourceAccountNumberID string `json:"source_account_number_id"`
FulfillmentMethod string `json:"fulfillment_method"`
PhysicalCheck *PhysicalCheck `json:"physical_check,omitempty"`
ThirdParty *ThirdParty `json:"third_party,omitempty"`
}
type CheckPayoutResponse struct {
ID string `json:"id"`
TransactionID string `json:"transaction_id"`
AccountID string `json:"account_id"`
AccountNumber string `json:"account_number"`
Amount int64 `json:"amount"`
Currency string `json:"currency"`
CheckNumber string `json:"check_number"`
CreatedAt string `json:"created_at"`
Status string `json:"status"`
RoutingNumber string `json:"routing_number"`
ApprovedInboundCheckDepositID string `json:"approved_inbound_check_deposit_id"`
FulfillmentMethod string `json:"fulfillment_method"`
PendingTransactionID string `json:"pending_transaction_id"`
PhysicalCheck *PhysicalCheck `json:"physical_check,omitempty"`
SourceAccountNumberID string `json:"source_account_number_id"`
ThirdParty *ThirdParty `json:"third_party,omitempty"`
Type string `json:"type"`
}
type RTPPayoutRequest struct {
Amount int64 `json:"amount"`
CreditorName string `json:"creditor_name"`
ExternalAccountID string `json:"external_account_id"`
SourceAccountNumberID string `json:"source_account_number_id"`
RemittanceInformation string `json:"remittance_information"`
}
type RTPPayoutResponse struct {
ID string `json:"id"`
TransactionID string `json:"transaction_id"`
PendingTransactionID string `json:"pending_transaction_id"`
AccountID string `json:"account_id"`
Amount int64 `json:"amount"`
Currency string `json:"currency"`
CreatedAt string `json:"created_at"`
Status string `json:"status"`
CreditorName string `json:"creditor_name"`
DestinationAccountNumber string `json:"destination_account_number"`
DestinationRoutingNumber string `json:"destination_routing_number"`
ExternalAccountID string `json:"external_account_id"`
}
type PayoutResponse struct {
ID string `json:"id"`
TransactionID string `json:"transaction_id"`
PendingTransactionID string `json:"pending_transaction_id"`
AccountID string `json:"account_id"`
Amount int64 `json:"amount"`
Currency string `json:"currency"`
CreatedAt string `json:"created_at"`
Status string `json:"status"`
RecipientName string `json:"recipient_name"`
ExternalAccountId string `json:"external_account_id"`
AccountNumber string `json:"account_number"`
RoutingNumber string `json:"routing_number"`
CheckNumber string `json:"check_number"`
}
func (c *client) InitiateACHTransferPayout(ctx context.Context, pr *ACHPayoutRequest, idempotencyKey string) (*PayoutResponse, error) {
ctx = context.WithValue(ctx, metrics.MetricOperationContextKey, "initiate_ach_payout")
body, err := json.Marshal(pr)
if err != nil {
return nil, err
}
req, err := c.newRequest(ctx, http.MethodPost, "ach_transfers", bytes.NewBuffer(body))
if err != nil {
return nil, fmt.Errorf("failed to create ach payout request: %w", err)
}
req.Header.Add("Idempotency-Key", idempotencyKey)
var res ACHPayoutResponse
var errRes increaseError
_, err = c.httpClient.Do(ctx, req, &res, &errRes)
if err != nil {
return nil, fmt.Errorf("failed to create ach payout: %w %w", err, errRes.Error())
}
return &PayoutResponse{
ID: res.ID,
TransactionID: res.TransactionID,
PendingTransactionID: res.PendingTransactionID,
AccountID: res.AccountID,
Amount: res.Amount,
Currency: res.Currency,
CreatedAt: res.CreatedAt,
Status: res.Status,
ExternalAccountId: res.ExternalAccountID,
AccountNumber: res.AccountNumber,
}, nil
}
func (c *client) InitiateWireTransferPayout(ctx context.Context, pr *WireTransferPayoutRequest, idempotencyKey string) (*PayoutResponse, error) {
ctx = context.WithValue(ctx, metrics.MetricOperationContextKey, "initiate_wire_transfer_payout")
body, err := json.Marshal(pr)
if err != nil {
return nil, err
}
req, err := c.newRequest(ctx, http.MethodPost, "wire_transfers", bytes.NewBuffer(body))
if err != nil {
return nil, fmt.Errorf("failed to create wire transfer payout request: %w", err)
}
req.Header.Add("Idempotency-Key", idempotencyKey)
var res WireTransferPayoutResponse
var errRes increaseError
_, err = c.httpClient.Do(ctx, req, &res, &errRes)
if err != nil {
return nil, fmt.Errorf("failed to create wire transfer payout: %w %w", err, errRes.Error())
}
return &PayoutResponse{
ID: res.ID,
TransactionID: res.TransactionID,
PendingTransactionID: res.PendingTransactionID,
AccountID: res.AccountID,
Amount: res.Amount,
Currency: res.Currency,
CreatedAt: res.CreatedAt,
Status: res.Status,
ExternalAccountId: res.ExternalAccountID,
AccountNumber: res.AccountNumber,
RecipientName: res.BeneficiaryName,
RoutingNumber: res.RoutingNumber,
}, nil
}
func (c *client) InitiateCheckTransferPayout(ctx context.Context, pr *CheckPayoutRequest, idempotencyKey string) (*PayoutResponse, error) {
ctx = context.WithValue(ctx, metrics.MetricOperationContextKey, "initiate_check_payout")
body, err := json.Marshal(pr)
if err != nil {
return nil, err
}
req, err := c.newRequest(ctx, http.MethodPost, "check_transfers", bytes.NewBuffer(body))
if err != nil {
return nil, fmt.Errorf("failed to create check transfer payout request: %w", err)
}
req.Header.Add("Idempotency-Key", idempotencyKey)
var res CheckPayoutResponse
var errRes increaseError
_, err = c.httpClient.Do(ctx, req, &res, &errRes)
if err != nil {
return nil, fmt.Errorf("failed to create check transfer payout: %w %w", err, errRes.Error())
}
payoutResponse := &PayoutResponse{
ID: res.ID,
TransactionID: res.TransactionID,
PendingTransactionID: res.PendingTransactionID,
AccountID: res.AccountID,
Amount: res.Amount,
Currency: res.Currency,
CreatedAt: res.CreatedAt,
Status: res.Status,
AccountNumber: res.AccountNumber,
RoutingNumber: res.RoutingNumber,
CheckNumber: res.CheckNumber,
// check transfer third party has no external account id and recipient name.
// setting it to empty throws an unmarshal error in the engine
RecipientName: "Unknown",
ExternalAccountId: "Unknown",
}
if res.PhysicalCheck != nil {
payoutResponse.RecipientName = res.PhysicalCheck.RecipientName
}
return payoutResponse, nil
}
func (c *client) InitiateRTPTransferPayout(ctx context.Context, pr *RTPPayoutRequest, idempotencyKey string) (*PayoutResponse, error) {
ctx = context.WithValue(ctx, metrics.MetricOperationContextKey, "initiate_rtp_payout")
body, err := json.Marshal(pr)
if err != nil {
return nil, err
}
req, err := c.newRequest(ctx, http.MethodPost, "real_time_payments_transfers", bytes.NewBuffer(body))
if err != nil {
return nil, fmt.Errorf("failed to create real time payments transfer payout request: %w", err)
}
req.Header.Add("Idempotency-Key", idempotencyKey)
var res RTPPayoutResponse
var errRes increaseError
_, err = c.httpClient.Do(ctx, req, &res, &errRes)
if err != nil {
return nil, fmt.Errorf("failed to create real time payments transfer payout: %w %w", err, errRes.Error())
}
return &PayoutResponse{
ID: res.ID,
TransactionID: res.TransactionID,
PendingTransactionID: res.PendingTransactionID,
AccountID: res.AccountID,
Amount: res.Amount,
Currency: res.Currency,
CreatedAt: res.CreatedAt,
Status: res.Status,
ExternalAccountId: res.ExternalAccountID,
AccountNumber: res.DestinationAccountNumber,
RoutingNumber: res.DestinationRoutingNumber,
RecipientName: res.CreditorName,
}, nil
}