stripe

src/services/email-service.js

@@ -14,14 +14,33 @@ const transporter = nodemailer.createTransport({
     }
 });
 
-function generateInvoiceEmailHtml(invoice, customText, melioLink) {
+function generateInvoiceEmailHtml(invoice, customText, stripePaymentUrl) {
     const formattedText = customText || ''; 
 
-    const buttonMjml = melioLink 
-        ? `<mj-button background-color="#2563eb" color="white" border-radius="6px" href="${melioLink}" font-weight="600" font-size="16px" padding-top="25px">
-             Pay Now (Free ACH)
-           </mj-button>`
-        : '';
+    // Stripe Pay Button — only if payment link exists
+    let paymentButtonMjml = '';
+    if (stripePaymentUrl) {
+        paymentButtonMjml = `
+            <mj-section background-color="#ffffff" padding="0 30px">
+              <mj-column>
+                <mj-button 
+                  background-color="#635bff" 
+                  color="white" 
+                  border-radius="6px" 
+                  href="${stripePaymentUrl}" 
+                  font-weight="600" 
+                  font-size="16px" 
+                  padding="25px 0 10px 0"
+                  inner-padding="14px 30px"
+                  width="100%">
+                    Pay Online — Credit Card or ACH
+                </mj-button>
+                <mj-text font-size="12px" color="#94a3b8" align="center" padding="0 0 20px 0">
+                  ACH payments incur lower processing fees. Secure payment powered by Stripe.
+                </mj-text>
+              </mj-column>
+            </mj-section>`;
+    }
 
     const template = `
     <mjml>
@@ -62,10 +81,14 @@ function generateInvoiceEmailHtml(invoice, customText, melioLink) {
             <mj-text css-class="email-body" font-size="15px" color="#334155" line-height="1.5" padding="0">
               ${formattedText}
             </mj-text>
-            
-            ${buttonMjml}
+          </mj-column>
+        </mj-section>
 
-            <mj-divider border-color="#e2e8f0" border-width="1px" padding-top="30px" padding-bottom="20px" />
+        ${paymentButtonMjml}
+
+        <mj-section background-color="#ffffff" padding="0 30px 30px 30px" border-radius="0 0 8px 8px">
+          <mj-column>
+            <mj-divider border-color="#e2e8f0" border-width="1px" padding-top="10px" padding-bottom="20px" />
 
             <mj-text font-size="14px" color="#64748b" line-height="1.5" padding="0">
               <strong>Prefer to pay by check?</strong><br/>
@@ -79,7 +102,6 @@ function generateInvoiceEmailHtml(invoice, customText, melioLink) {
     </mjml>
     `;
 
-    // validationLevel: 'strict' fängt falsche Attribute ab, bevor sie an den Kunden gehen
     const result = mjml2html(template, { validationLevel: 'strict' });
     
     if (result.errors && result.errors.length > 0) {
@@ -89,8 +111,8 @@ function generateInvoiceEmailHtml(invoice, customText, melioLink) {
     return result.html;
 }
 
-async function sendInvoiceEmail(invoice, recipientEmail, customText, melioLink, pdfBuffer) {
-    const htmlContent = generateInvoiceEmailHtml(invoice, customText, melioLink);
+async function sendInvoiceEmail(invoice, recipientEmail, customText, stripePaymentUrl, pdfBuffer) {
+    const htmlContent = generateInvoiceEmailHtml(invoice, customText, stripePaymentUrl);
 
     const mailOptions = {
         from: '"Bay Area Affiliates Inc. Accounting" <accounting@bayarea-cc.com>',

src/services/stripe-service.js

@@ -0,0 +1,173 @@
+// src/services/stripe-service.js
+/**
+ * Stripe Payment Links Service
+ * Creates payment links for invoices, checks payment status via API polling.
+ * 
+ * No webhooks needed — the app is not internet-facing.
+ * Status is checked on-demand via checkPaymentStatus().
+ */
+
+const stripe = require('stripe')(process.env.STRIPE_SECRET_KEY);
+
+/**
+ * Create a Stripe Payment Link for an invoice.
+ * 
+ * @param {object} invoice - Invoice record from DB
+ * @param {number} invoice.id
+ * @param {string} invoice.invoice_number
+ * @param {number} invoice.total - Total in dollars (e.g. 194.85)
+ * @param {number} invoice.balance - Remaining balance (total - amount_paid)
+ * @param {string} [invoice.customer_name]
+ * @returns {object} { paymentLinkId, paymentLinkUrl }
+ */
+async function createPaymentLink(invoice) {
+    const amountDue = parseFloat(invoice.balance ?? invoice.total);
+    if (!amountDue || amountDue <= 0) {
+        throw new Error('Invoice has no balance due.');
+    }
+
+    const unitAmount = Math.round(amountDue * 100); // Convert dollars to cents
+    const invoiceLabel = `Invoice #${invoice.invoice_number || invoice.id}`;
+
+    console.log(`💳 Creating Stripe Payment Link for ${invoiceLabel} — $${amountDue.toFixed(2)}...`);
+
+    const paymentLink = await stripe.paymentLinks.create({
+        line_items: [{
+            price_data: {
+                currency: 'usd',
+                product_data: {
+                    name: invoiceLabel,
+                    description: invoice.customer_name 
+                        ? `Bay Area Affiliates, Inc. — ${invoice.customer_name}`
+                        : 'Bay Area Affiliates, Inc.'
+                },
+                unit_amount: unitAmount,
+            },
+            quantity: 1,
+        }],
+        metadata: {
+            invoice_id: String(invoice.id),
+            invoice_number: String(invoice.invoice_number || ''),
+            source: 'quote-invoice-system'
+        },
+        payment_method_types: ['card', 'us_bank_account'],
+        // After payment, show a simple confirmation
+        after_completion: {
+            type: 'hosted_confirmation',
+            hosted_confirmation: {
+                custom_message: `Thank you! Your payment for ${invoiceLabel} has been received. Bay Area Affiliates, Inc. will send a confirmation.`
+            }
+        }
+    });
+
+    console.log(`✅ Stripe Payment Link created: ${paymentLink.url}`);
+
+    return {
+        paymentLinkId: paymentLink.id,
+        paymentLinkUrl: paymentLink.url
+    };
+}
+
+/**
+ * Check payment status for a Stripe Payment Link.
+ * Polls completed Checkout Sessions associated with the payment link.
+ * 
+ * @param {string} paymentLinkId - Stripe Payment Link ID (plink_xxx)
+ * @returns {object} { paid, status, details }
+ */
+async function checkPaymentStatus(paymentLinkId) {
+    if (!paymentLinkId) {
+        return { paid: false, status: 'no_link', details: null };
+    }
+
+    console.log(`🔍 Checking Stripe payment status for ${paymentLinkId}...`);
+
+    // List checkout sessions created via this payment link
+    const sessions = await stripe.checkout.sessions.list({
+        payment_link: paymentLinkId,
+        limit: 10,
+        expand: ['data.payment_intent']
+    });
+
+    // Find a completed/paid session
+    const paidSession = sessions.data.find(s => s.payment_status === 'paid');
+
+    if (paidSession) {
+        const pi = paidSession.payment_intent;
+        const paymentMethod = pi?.payment_method_types?.[0] || 'unknown';
+        const amountReceived = (pi?.amount_received || 0) / 100;
+        const stripeFee = calculateStripeFee(amountReceived, paymentMethod);
+
+        console.log(`✅ Payment found! $${amountReceived.toFixed(2)} via ${paymentMethod}`);
+
+        return {
+            paid: true,
+            status: 'paid',
+            details: {
+                sessionId: paidSession.id,
+                paymentIntentId: pi?.id,
+                amountReceived,
+                paymentMethod, // 'card' or 'us_bank_account'
+                customerEmail: paidSession.customer_details?.email,
+                paidAt: new Date(paidSession.created * 1000).toISOString(),
+                stripeFee
+            }
+        };
+    }
+
+    // Check for pending ACH payments (processing state)
+    const pendingSession = sessions.data.find(s => s.payment_status === 'unpaid' && s.status === 'complete');
+    if (pendingSession) {
+        return {
+            paid: false,
+            status: 'processing',
+            details: { note: 'ACH payment is processing (may take 3-5 business days).' }
+        };
+    }
+
+    return { 
+        paid: false, 
+        status: sessions.data.length > 0 ? 'attempted' : 'pending',
+        details: null 
+    };
+}
+
+/**
+ * Deactivate a payment link (e.g. when invoice is voided or amount changes).
+ * 
+ * @param {string} paymentLinkId
+ */
+async function deactivatePaymentLink(paymentLinkId) {
+    if (!paymentLinkId) return;
+    
+    try {
+        await stripe.paymentLinks.update(paymentLinkId, { active: false });
+        console.log(`🚫 Stripe Payment Link ${paymentLinkId} deactivated.`);
+    } catch (e) {
+        console.error(`⚠️ Could not deactivate payment link ${paymentLinkId}:`, e.message);
+    }
+}
+
+/**
+ * Calculate estimated Stripe fee for reference/QBO booking.
+ * Card: 2.9% + $0.30
+ * ACH:  0.8%, capped at $5.00
+ * 
+ * @param {number} amount - Amount in dollars
+ * @param {string} method - 'card' or 'us_bank_account'
+ * @returns {number} Estimated fee in dollars
+ */
+function calculateStripeFee(amount, method) {
+    if (method === 'us_bank_account') {
+        return Math.min(amount * 0.008, 5.00);
+    }
+    // Default: card
+    return (amount * 0.029) + 0.30;
+}
+
+module.exports = {
+    createPaymentLink,
+    checkPaymentStatus,
+    deactivatePaymentLink,
+    calculateStripeFee
+};