stripe

docker-compose.yml

@@ -41,6 +41,8 @@ services:
       QBO_REFRESH_TOKEN: ${QBO_REFRESH_TOKEN}     
       AWS_ACCESS_KEY_ID: ${AWS_ACCESS_KEY_ID}
       AWS_SECRET_ACCESS_KEY: ${AWS_SECRET_ACCESS_KEY}
+      STRIPE_SECRET_KEY: ${STRIPE_SECRET_KEY}
+      STRIPE_PUBLISHABLE_KEY: ${STRIPE_PUBLISHABLE_KEY}      
     volumes:
       - ./public/uploads:/app/public/uploads
       - ./templates:/app/templates  # NEU!

package-lock.json

@@ -17,7 +17,8 @@
         "multer": "^1.4.5-lts.1",
         "nodemailer": "^8.0.2",
         "pg": "^8.13.1",
-        "puppeteer": "^23.11.1"
+        "puppeteer": "^23.11.1",
+        "stripe": "^20.4.1"
       },
       "devDependencies": {
         "nodemon": "^3.0.2"
@@ -5716,6 +5717,23 @@
         "node": ">=8"
       }
     },
+    "node_modules/stripe": {
+      "version": "20.4.1",
+      "resolved": "https://registry.npmjs.org/stripe/-/stripe-20.4.1.tgz",
+      "integrity": "sha512-axCguHItc8Sxt0HC6aSkdVRPffjYPV7EQqZRb2GkIa8FzWDycE7nHJM19C6xAIynH1Qp1/BHiopSi96jGBxT0w==",
+      "license": "MIT",
+      "engines": {
+        "node": ">=16"
+      },
+      "peerDependencies": {
+        "@types/node": ">=16"
+      },
+      "peerDependenciesMeta": {
+        "@types/node": {
+          "optional": true
+        }
+      }
+    },
     "node_modules/strnum": {
       "version": "2.2.0",
       "resolved": "https://registry.npmjs.org/strnum/-/strnum-2.2.0.tgz",

package.json

@@ -17,7 +17,8 @@
     "multer": "^1.4.5-lts.1",
     "nodemailer": "^8.0.2",
     "pg": "^8.13.1",
-    "puppeteer": "^23.11.1"
+    "puppeteer": "^23.11.1",
+    "stripe": "^20.4.1"
   },
   "devDependencies": {
     "nodemon": "^3.0.2"

public/js/modals/email-modal.js

@@ -1,5 +1,6 @@
 // email-modal.js — ES Module
 // Modal to review and send invoice emails via AWS SES
+// With Stripe Payment Link integration
 
 import { showSpinner, hideSpinner } from '../utils/helpers.js';
 
@@ -25,8 +26,19 @@ function renderModalContent() {
     if (!modal) return;
 
     const defaultEmail = currentInvoice.email || '';
+    const existingStripeUrl = currentInvoice.stripe_payment_link_url || '';
+    const stripeStatus = currentInvoice.stripe_payment_status || '';
+
+    // Status indicator for existing link
+    let stripeBadgeHtml = '';
+    if (existingStripeUrl && stripeStatus === 'paid') {
+        stripeBadgeHtml = '<span class="ml-2 inline-block px-2 py-0.5 text-xs font-semibold rounded-full bg-green-100 text-green-800">Paid</span>';
+    } else if (existingStripeUrl && stripeStatus === 'processing') {
+        stripeBadgeHtml = '<span class="ml-2 inline-block px-2 py-0.5 text-xs font-semibold rounded-full bg-yellow-100 text-yellow-800">Processing</span>';
+    } else if (existingStripeUrl) {
+        stripeBadgeHtml = '<span class="ml-2 inline-block px-2 py-0.5 text-xs font-semibold rounded-full bg-purple-100 text-purple-800">Active</span>';
+    }
 
-    // Editor-Container hat jetzt eine feste, kompaktere Höhe (h-48 = 12rem/192px) und scrollt bei viel Text
     modal.innerHTML = `
         <div class="bg-white rounded-lg shadow-2xl w-full max-w-3xl mx-auto p-8">
             <div class="flex justify-between items-center mb-6">
@@ -47,9 +59,23 @@ function renderModalContent() {
                         <p class="text-xs text-gray-400 mt-1">You can override this for testing.</p>
                     </div>
                     <div>
-                        <label class="block text-sm font-medium text-gray-700 mb-1">Melio Payment Link (Optional)</label>
+                        <label class="block text-sm font-medium text-gray-700 mb-1">
-                        <input type="url" id="email-melio-link" placeholder="https://melio.me/..."
+                            Stripe Payment Link${stripeBadgeHtml}
-                               class="w-full px-3 py-2 border border-gray-300 rounded-md focus:ring-blue-500 focus:border-blue-500">
+                        </label>
+                        <div class="flex gap-2">
+                            <input type="url" id="email-stripe-link" value="${existingStripeUrl}" readonly
+                                   placeholder="Click Generate to create link..."
+                                   class="flex-1 px-3 py-2 border border-gray-300 rounded-md bg-gray-50 text-sm text-gray-600 focus:ring-purple-500 focus:border-purple-500">
+                            <button type="button" id="stripe-generate-btn" onclick="window.emailModal.generateStripeLink()"
+                                    class="px-4 py-2 bg-purple-600 text-white rounded-md hover:bg-purple-700 text-sm font-semibold whitespace-nowrap">
+                                ${existingStripeUrl ? '♻️ Regenerate' : '💳 Generate'}
+                            </button>
+                        </div>
+                        <p class="text-xs text-gray-400 mt-1" id="stripe-link-info">
+                            ${existingStripeUrl 
+                                ? 'Link exists. Regenerate will create a new link for the current balance.' 
+                                : 'Generates a Stripe Payment Link for Card and ACH payments.'}
+                        </p>
                     </div>
                 </div>
 
@@ -100,20 +126,19 @@ function renderModalContent() {
         dueDateStr = d.toLocaleDateString('en-US', { timeZone: 'UTC' }); 
     }
     
-    // Dynamischer Text für die Fälligkeit (Löst das "payable by Upon Receipt" Problem)
+    // Dynamischer Text für die Fälligkeit
     let paymentText = '';
     if (currentInvoice.terms && currentInvoice.terms.toLowerCase().includes('receipt')) {
-        paymentText = 'which is due upon receipt.';
+        paymentText = 'Our terms are Net 30.';
     } else if (dueDateStr !== 'Upon Receipt') {
         paymentText = `payable by <strong>${dueDateStr}</strong>.`;
     } else {
-        paymentText = 'which is due upon receipt.';
+        paymentText = 'Our terms are Net 30.';
     }
     
-    // Der neue Standard-Text
     const defaultHtml = `
         <p>Good afternoon,</p>
-        <p>Attached is invoice <strong>#${invoiceNum}</strong> for service performed at your location. The total amount due is <strong>$${totalDue}</strong>, ${paymentText}</p>
+        <p>Attached is invoice <strong>#${invoiceNum}</strong> for service performed at your location. The total amount due is <strong>$${totalDue}</strong>. ${paymentText}</p>
         <p>Please pay at your earliest convenience. We appreciate your continued business.</p>
         <p>If you have any questions about the invoice, feel free to reply to this email.</p>
         <p>Best regards,</p>
@@ -127,6 +152,55 @@ function renderModalContent() {
     document.getElementById('email-send-form').addEventListener('submit', submitEmail);
 }
 
+// ============================================================
+// Stripe Payment Link Generation
+// ============================================================
+
+async function generateStripeLink() {
+    const btn = document.getElementById('stripe-generate-btn');
+    const input = document.getElementById('email-stripe-link');
+    const info = document.getElementById('stripe-link-info');
+
+    const originalBtnText = btn.innerHTML;
+    btn.innerHTML = '⏳ Creating...';
+    btn.disabled = true;
+
+    try {
+        const response = await fetch(`/api/invoices/${currentInvoice.id}/create-payment-link`, {
+            method: 'POST',
+            headers: { 'Content-Type': 'application/json' }
+        });
+
+        const result = await response.json();
+
+        if (response.ok) {
+            input.value = result.paymentLinkUrl;
+            currentInvoice.stripe_payment_link_url = result.paymentLinkUrl;
+            currentInvoice.stripe_payment_link_id = result.paymentLinkId;
+            currentInvoice.stripe_payment_status = 'pending';
+
+            btn.innerHTML = '♻️ Regenerate';
+            info.innerHTML = `✅ Payment link created for <strong>$${result.amount.toFixed(2)}</strong>. Will be included in the email.`;
+            info.classList.remove('text-gray-400');
+            info.classList.add('text-green-600');
+        } else {
+            info.textContent = `❌ ${result.error}`;
+            info.classList.remove('text-gray-400');
+            info.classList.add('text-red-500');
+        }
+    } catch (e) {
+        console.error('Stripe link generation error:', e);
+        info.textContent = '❌ Network error creating payment link.';
+        info.classList.remove('text-gray-400');
+        info.classList.add('text-red-500');
+    } finally {
+        btn.disabled = false;
+        if (btn.innerHTML === '⏳ Creating...') {
+            btn.innerHTML = originalBtnText;
+        }
+    }
+}
+
 // ============================================================
 // Logic & API
 // ============================================================
@@ -145,7 +219,6 @@ export async function openEmailModal(invoiceId) {
 
         renderModalContent();
         
-        // Tailwind hidden toggle
         document.getElementById('email-modal').classList.remove('hidden');
         document.getElementById('email-modal').classList.add('flex');
 
@@ -171,7 +244,6 @@ async function submitEmail(e) {
     e.preventDefault();
 
     const recipientEmail = document.getElementById('email-recipient').value.trim();
-    const melioLink = document.getElementById('email-melio-link').value.trim();
     const customText = quillInstance.root.innerHTML;
 
     if (!recipientEmail) {
@@ -191,7 +263,6 @@ async function submitEmail(e) {
             headers: { 'Content-Type': 'application/json' },
             body: JSON.stringify({
                 recipientEmail,
-                melioLink,
                 customText
             })
         });
@@ -201,7 +272,6 @@ async function submitEmail(e) {
         if (response.ok) {
             alert('✅ Invoice sent successfully!');
             closeEmailModal();
-            // Reload the invoice view so the "Sent" badge updates
             if (window.invoiceView) window.invoiceView.loadInvoices();
         } else {
             alert(`❌ Error: ${result.error}`);
@@ -221,5 +291,6 @@ async function submitEmail(e) {
 // ============================================================
 window.emailModal = {
     open: openEmailModal,
-    close: closeEmailModal
+    close: closeEmailModal,
+    generateStripeLink
 };

public/js/utils/api.js

@@ -86,6 +86,18 @@ const API = {
         }).then(r => r.json())
     },
 
+    // NEU: Stripe API
+    stripe: {
+        createPaymentLink: (invoiceId) => fetch(`/api/invoices/${invoiceId}/create-payment-link`, {
+            method: 'POST',
+            headers: { 'Content-Type': 'application/json' }
+        }).then(r => r.json()),
+        checkPayment: (invoiceId) => fetch(`/api/invoices/${invoiceId}/check-payment`, {
+            method: 'POST',
+            headers: { 'Content-Type': 'application/json' }
+        }).then(r => r.json())
+    },
+    
     // QBO API
     qbo: {
         getStatus: () => fetch('/api/qbo/status').then(r => r.json()),

public/js/views/invoice-view.js

@@ -184,14 +184,22 @@ function renderInvoiceRow(invoice) {
     const balance = parseFloat(invoice.balance) ?? ((parseFloat(invoice.total) || 0) - amountPaid);
     const partial = isPartiallyPaid(invoice);
 
+    const stripeIndicator = invoice.stripe_payment_link_id 
+        ? (invoice.stripe_payment_status === 'paid' 
+            ? ' <span title="Stripe payment received" class="text-purple-500 text-xs">💳✓</span>'
+            : ' <span title="Stripe payment link active" class="text-purple-400 text-xs">💳</span>')
+        : '';
+
     const invNumDisplay = invoice.invoice_number
-        ? invoice.invoice_number
+        ? invoice.invoice_number + stripeIndicator
         : `<span class="text-gray-400 italic text-xs">Draft</span>`;
 
     // Status Badge (left side, next to invoice number)
     let statusBadge = '';
     if (paid && invoice.payment_status === 'Deposited') {
         statusBadge = `<span class="inline-block px-2 py-0.5 text-xs font-semibold rounded-full bg-blue-100 text-blue-800" title="Deposited ${formatDate(invoice.paid_date)}">Deposited</span>`;
+    } else if (paid && invoice.payment_status === 'Stripe') {
+        statusBadge = `<span class="inline-block px-2 py-0.5 text-xs font-semibold rounded-full bg-purple-100 text-purple-800" title="Stripe payment ${formatDate(invoice.paid_date)}">Stripe</span>`;
     } else if (paid) {
         statusBadge = `<span class="inline-block px-2 py-0.5 text-xs font-semibold rounded-full bg-green-100 text-green-800" title="Paid ${formatDate(invoice.paid_date)}">Paid</span>`;
     } else if (partial) {
@@ -258,20 +266,29 @@ function renderInvoiceRow(invoice) {
 
     // Mark Sent button (right side) — only when open, not paid/partial
     let sendBtn = '';
-    // if (hasQbo && !paid && !overdue && invoice.email_status !== 'sent') {
+    if (hasQbo && !paid && !overdue && invoice.email_status !== 'sent') {
-    //     sendBtn = `<button onclick="window.invoiceView.setEmailStatus(${invoice.id}, 'sent')" class="text-indigo-600 hover:text-indigo-800 text-xs font-medium" title="Mark as sent to customer">📤 Mark Sent</button>`;
+        sendBtn = `<button onclick="window.invoiceView.setEmailStatus(${invoice.id}, 'sent')" class="text-indigo-600 hover:text-indigo-800 text-xs font-medium" title="Mark as sent to customer">📤 Mark Sent</button>`;
-    // }
+    }
-    if (hasQbo && !paid && !overdue) {
+    // if (hasQbo && !paid && !overdue) {
-        sendBtn = `
+    //     sendBtn = `
-            <button onclick="window.invoiceView.setEmailStatus(${invoice.id}, 'sent')" class="text-gray-600 hover:text-gray-900 text-xs font-medium mr-4" title="Nur Status ändern">
+    //         <button onclick="window.invoiceView.setEmailStatus(${invoice.id}, 'sent')" class="text-gray-600 hover:text-gray-900 text-xs font-medium mr-4" title="Nur Status ändern">
-                ✔️ Mark Sent
+    //             ✔️ Mark Sent
-            </button>
+    //         </button>
-            <button onclick="window.emailModal.open(${invoice.id})" class="text-indigo-600 hover:text-indigo-800 text-xs font-medium" title="E-Mail via SES versenden">
+    //         <button onclick="window.emailModal.open(${invoice.id})" class="text-indigo-600 hover:text-indigo-800 text-xs font-medium" title="E-Mail via SES versenden">
-                📧 Send Email
+    //             📧 Send Email
-            </button>
+    //         </button>
-    `;    }
+    // `;    }
+    
     const delBtn = `<button onclick="window.invoiceView.remove(${invoice.id})" class="text-red-600 hover:text-red-900">Del</button>`;
 
+    const stripeEmailBtn = (!paid && hasQbo)
+        ? `<button onclick="window.emailModal.open(${invoice.id})" title="Email with Stripe Payment Link" class="px-2 py-1 bg-purple-100 text-purple-700 rounded hover:bg-purple-200 text-xs font-semibold">💳 Pay Link</button>`
+        : '';    
+
+    const stripeCheckBtn = (invoice.stripe_payment_link_id && !paid)
+        ? `<button onclick="window.invoiceView.checkStripePayment(${invoice.id})" title="Check Stripe Payment Status" class="px-2 py-1 bg-purple-50 text-purple-600 rounded hover:bg-purple-100 text-xs font-semibold">🔍 Check</button>`
+        : '';    
+
     const rowClass = paid ? (invoice.payment_status === 'Deposited' ? 'bg-blue-50/50' : 'bg-green-50/50') : partial ? 'bg-yellow-50/30' : overdue ? 'bg-red-50/50' : '';
 
     return `
@@ -283,7 +300,7 @@ function renderInvoiceRow(invoice) {
             <td class="px-4 py-3 whitespace-nowrap text-sm text-gray-500">${invoice.terms}</td>
             <td class="px-4 py-3 whitespace-nowrap text-sm text-gray-900 font-semibold">${amountDisplay}</td>
             <td class="px-4 py-3 whitespace-nowrap text-sm font-medium space-x-1">
-                ${editBtn} ${qboBtn} ${pdfBtn} ${htmlBtn} ${sendBtn} ${paidBtn} ${delBtn}
+               ${editBtn} ${qboBtn} ${pdfBtn} ${htmlBtn} ${sendBtn} ${stripeEmailBtn} ${stripeCheckBtn} ${paidBtn} ${delBtn}
             </td>
         </tr>`;
 }
@@ -518,12 +535,55 @@ export async function remove(id) {
     try { const r = await fetch(`/api/invoices/${id}`, { method: 'DELETE' }); if (r.ok) loadInvoices(); }
     catch (e) { console.error(e); }
 }
+async function checkStripePayment(invoiceId) {
+    if (typeof showSpinner === 'function') showSpinner('Checking Stripe payment status...');
 
+    try {
+        const response = await fetch(`/api/invoices/${invoiceId}/check-payment`, {
+            method: 'POST',
+            headers: { 'Content-Type': 'application/json' }
+        });
+
+        const result = await response.json();
+
+        if (response.ok) {
+            if (result.paid) {
+                let msg = `✅ ${result.message}`;
+                if (result.qbo) {
+                    if (result.qbo.error) {
+                        msg += `\n\n⚠️ QBO booking failed: ${result.qbo.error}`;
+                    } else {
+                        msg += `\n\n📗 QBO Payment recorded (ID: ${result.qbo.paymentId})`;
+                        if (result.qbo.feeBooked) msg += '\n📗 Processing fee booked';
+                    }
+                }
+                if (!result.fullyPaid) {
+                    msg += '\n\n⚠️ Partial payment — invoice is not fully paid yet.';
+                }
+                alert(msg);
+                loadInvoices(); // Refresh the list
+            } else if (result.alreadyProcessed) {
+                alert('ℹ️ Stripe payment was already recorded for this invoice.');
+            } else if (result.status === 'processing') {
+                alert('⏳ ACH payment is processing (typically 3-5 business days).\n\nCheck again later.');
+            } else {
+                alert('ℹ️ No payment received yet.\n\nThe customer may not have clicked the payment link, or the payment is still being processed.');
+            }
+        } else {
+            alert(`❌ Error: ${result.error}`);
+        }
+    } catch (e) {
+        console.error('Check Stripe payment error:', e);
+        alert('Network error checking payment status.');
+    } finally {
+        if (typeof hideSpinner === 'function') hideSpinner();
+    }
+}
 // ============================================================
 // Expose
 // ============================================================
 
 window.invoiceView = {
     viewPDF, viewHTML, syncFromQBO, resetQbo, markPaid, setEmailStatus, edit, remove,
-    loadInvoices, renderInvoiceView, setStatus
+    loadInvoices, renderInvoiceView, setStatus, checkStripePayment
 };

src/routes/invoices.js

@@ -13,6 +13,7 @@ const { getBrowser, generatePdfFromHtml, getLogoHtml, renderInvoiceItems, format
 const { exportInvoiceToQbo, syncInvoiceToQbo } = require('../services/qbo-service');
 const { getOAuthClient, getQboBaseUrl, makeQboApiCall } = require('../config/qbo');
 const { sendInvoiceEmail } = require('../services/email-service');
+const { createPaymentLink, checkPaymentStatus, deactivatePaymentLink } = require('../services/stripe-service');
 
 function calculateNextRecurringDate(invoiceDate, interval) {
     const d = new Date(invoiceDate);
@@ -819,7 +820,7 @@ router.get('/:id/html', async (req, res) => {
 });
 router.post('/:id/send-email', async (req, res) => {
     const { id } = req.params;
-    const { recipientEmail, customText, melioLink } = req.body;
+    const { recipientEmail, customText } = req.body;
 
     if (!recipientEmail) {
         return res.status(400).json({ error: 'Recipient email is required.' });
@@ -866,7 +867,8 @@ router.post('/:id/send-email', async (req, res) => {
         const pdfBuffer = await generatePdfFromHtml(html);
 
         // 3. E-Mail über SES versenden
-        const info = await sendInvoiceEmail(invoice, recipientEmail, customText, melioLink, pdfBuffer);
+        const stripeLink = invoice.stripe_payment_link_url || null;
+        const info = await sendInvoiceEmail(invoice, recipientEmail, customText, stripeLink, pdfBuffer);
 
         // 4. (Optional) Status in der DB aktualisieren
         //await pool.query('UPDATE invoices SET email_status = $1 WHERE id = $2', ['sent', id]);
@@ -878,4 +880,284 @@ router.post('/:id/send-email', async (req, res) => {
         res.status(500).json({ error: 'Failed to send email: ' + error.message });
     }
 });
+// POST create Stripe Payment Link
+router.post('/:id/create-payment-link', async (req, res) => {
+    const { id } = req.params;
+
+    try {
+        // Load invoice with balance
+        const invoiceResult = await pool.query(`
+            SELECT i.*, c.name as customer_name,
+                   COALESCE((SELECT SUM(pi.amount) FROM payment_invoices pi WHERE pi.invoice_id = i.id), 0) as amount_paid
+            FROM invoices i
+            LEFT JOIN customers c ON i.customer_id = c.id
+            WHERE i.id = $1
+        `, [id]);
+
+        if (invoiceResult.rows.length === 0) {
+            return res.status(404).json({ error: 'Invoice not found' });
+        }
+
+        const invoice = invoiceResult.rows[0];
+        invoice.amount_paid = parseFloat(invoice.amount_paid) || 0;
+        invoice.balance = (parseFloat(invoice.total) || 0) - invoice.amount_paid;
+
+        if (invoice.balance <= 0) {
+            return res.status(400).json({ error: 'Invoice has no balance due.' });
+        }
+
+        // Deactivate existing payment link if present
+        if (invoice.stripe_payment_link_id) {
+            await deactivatePaymentLink(invoice.stripe_payment_link_id);
+            console.log(`♻️ Old payment link deactivated for Invoice #${invoice.invoice_number}`);
+        }
+
+        // Create new payment link
+        const { paymentLinkId, paymentLinkUrl } = await createPaymentLink(invoice);
+
+        // Save to DB
+        await pool.query(
+            `UPDATE invoices 
+             SET stripe_payment_link_id = $1, 
+                 stripe_payment_link_url = $2, 
+                 stripe_payment_status = 'pending',
+                 updated_at = CURRENT_TIMESTAMP 
+             WHERE id = $3`,
+            [paymentLinkId, paymentLinkUrl, id]
+        );
+
+        res.json({
+            success: true,
+            paymentLinkId,
+            paymentLinkUrl,
+            amount: invoice.balance
+        });
+
+    } catch (error) {
+        console.error('Stripe Payment Link Error:', error);
+        res.status(500).json({ error: 'Failed to create payment link: ' + error.message });
+    }
+});
+// POST check Stripe payment status
+// POST check Stripe payment status (with QBO payment + fee booking)
+router.post('/:id/check-payment', async (req, res) => {
+    const { id } = req.params;
+    const dbClient = await pool.connect();
+
+    try {
+        const invoiceResult = await dbClient.query(`
+            SELECT i.*, c.name as customer_name, c.qbo_id as customer_qbo_id,
+                   COALESCE((SELECT SUM(pi.amount) FROM payment_invoices pi WHERE pi.invoice_id = i.id), 0) as amount_paid
+            FROM invoices i
+            LEFT JOIN customers c ON i.customer_id = c.id
+            WHERE i.id = $1
+        `, [id]);
+
+        if (invoiceResult.rows.length === 0) {
+            return res.status(404).json({ error: 'Invoice not found' });
+        }
+
+        const invoice = invoiceResult.rows[0];
+        invoice.amount_paid = parseFloat(invoice.amount_paid) || 0;
+
+        if (!invoice.stripe_payment_link_id) {
+            return res.status(400).json({ error: 'No Stripe payment link exists for this invoice.' });
+        }
+
+        // Already fully processed?
+        if (invoice.stripe_payment_status === 'paid') {
+            return res.json({
+                status: 'paid',
+                message: 'Stripe payment already recorded.',
+                alreadyProcessed: true
+            });
+        }
+
+        const result = await checkPaymentStatus(invoice.stripe_payment_link_id);
+
+        // Update stripe_payment_status in DB regardless
+        if (result.status !== invoice.stripe_payment_status) {
+            await dbClient.query(
+                'UPDATE invoices SET stripe_payment_status = $1, updated_at = CURRENT_TIMESTAMP WHERE id = $2',
+                [result.status, id]
+            );
+        }
+
+        // If not paid yet, return current status
+        if (!result.paid) {
+            return res.json({
+                status: result.status,
+                paid: false,
+                details: result.details,
+                message: result.status === 'processing'
+                    ? 'ACH payment is processing (3-5 business days).'
+                    : 'No payment received yet.'
+            });
+        }
+
+        // === PAID — full processing ===
+        const amountReceived = result.details.amountReceived;
+        const paymentMethod = result.details.paymentMethod;
+        const stripeFee = result.details.stripeFee;
+        const methodLabel = paymentMethod === 'us_bank_account' ? 'ACH' : 'Credit Card';
+
+        await dbClient.query('BEGIN');
+
+        // 1. Record local payment (payment + payment_invoices)
+        const payResult = await dbClient.query(
+            `INSERT INTO payments (payment_date, payment_method, total_amount, customer_id, reference_number, notes, created_at)
+             VALUES (CURRENT_DATE, $1, $2, $3, $4, $5, CURRENT_TIMESTAMP)
+             RETURNING id`,
+            [
+                `Stripe ${methodLabel}`,
+                amountReceived,
+                invoice.customer_id,
+                result.details.paymentIntentId || result.details.sessionId,
+                `Stripe ${methodLabel} — Fee: $${stripeFee.toFixed(2)}`
+            ]
+        );
+        const paymentId = payResult.rows[0].id;
+
+        await dbClient.query(
+            'INSERT INTO payment_invoices (payment_id, invoice_id, amount) VALUES ($1, $2, $3)',
+            [paymentId, id, amountReceived]
+        );
+
+        // 2. Check if invoice is fully paid
+        const newTotalPaid = invoice.amount_paid + amountReceived;
+        const invoiceTotal = parseFloat(invoice.total) || 0;
+        const fullyPaid = newTotalPaid >= (invoiceTotal - 0.01); // Cent-Toleranz
+
+        await dbClient.query(
+            `UPDATE invoices SET 
+                stripe_payment_status = 'paid',
+                paid_date = ${fullyPaid ? 'COALESCE(paid_date, CURRENT_DATE)' : 'paid_date'},
+                payment_status = $1,
+                updated_at = CURRENT_TIMESTAMP
+             WHERE id = $2`,
+            [fullyPaid ? 'Stripe' : 'Partial', id]
+        );
+
+        // 3. Deactivate the payment link
+        await deactivatePaymentLink(invoice.stripe_payment_link_id);
+
+        // 4. QBO: Record Payment + Expense (if QBO-linked)
+        let qboResult = null;
+        if (invoice.qbo_id && invoice.customer_qbo_id) {
+            try {
+                qboResult = await recordStripePaymentInQbo(
+                    invoice, amountReceived, methodLabel, stripeFee,
+                    result.details.paymentIntentId || ''
+                );
+            } catch (qboErr) {
+                console.error(`⚠️ QBO booking failed for Invoice #${invoice.invoice_number}:`, qboErr.message);
+                qboResult = { error: qboErr.message };
+            }
+        }
+
+        await dbClient.query('COMMIT');
+
+        console.log(`✅ Invoice #${invoice.invoice_number}: Stripe ${methodLabel} $${amountReceived.toFixed(2)} recorded (Fee: $${stripeFee.toFixed(2)})`);
+
+        res.json({
+            status: 'paid',
+            paid: true,
+            fullyPaid,
+            details: result.details,
+            qbo: qboResult,
+            message: `Payment received: $${amountReceived.toFixed(2)} via Stripe ${methodLabel}. Fee: $${stripeFee.toFixed(2)}.`
+        });
+
+    } catch (error) {
+        await dbClient.query('ROLLBACK').catch(() => {});
+        console.error('Stripe Check Payment Error:', error);
+        res.status(500).json({ error: 'Failed to check payment: ' + error.message });
+    } finally {
+        dbClient.release();
+    }
+});
+
+/**
+ * Record Stripe payment in QBO: Payment on Invoice + Expense for Stripe Fee.
+ */
+async function recordStripePaymentInQbo(invoice, amount, methodLabel, stripeFee, reference) {
+    const oauthClient = getOAuthClient();
+    const companyId = oauthClient.getToken().realmId;
+    const baseUrl = getQboBaseUrl();
+
+    // --- 1. Create QBO Payment ---
+    const paymentPayload = {
+        CustomerRef: { value: invoice.customer_qbo_id },
+        TotalAmt: amount,
+        TxnDate: new Date().toISOString().split('T')[0],
+        PaymentRefNum: reference ? reference.substring(0, 21) : 'Stripe',
+        PrivateNote: `Stripe ${methodLabel} — processed via Payment Link`,
+        Line: [{
+            Amount: amount,
+            LinkedTxn: [{
+                TxnId: invoice.qbo_id,
+                TxnType: 'Invoice'
+            }]
+        }],
+        // Deposit to Undeposited Funds (Stripe will payout to bank later)
+        DepositToAccountRef: { value: '221' }  // Undeposited Funds
+    };
+
+    console.log(`📤 QBO: Recording Stripe payment $${amount.toFixed(2)} for Invoice #${invoice.invoice_number}...`);
+
+    const paymentRes = await makeQboApiCall({
+        url: `${baseUrl}/v3/company/${companyId}/payment`,
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify(paymentPayload)
+    });
+
+    const paymentData = paymentRes.getJson ? paymentRes.getJson() : paymentRes.json;
+    if (paymentData.Fault) {
+        const errMsg = paymentData.Fault.Error?.map(e => `${e.Message}: ${e.Detail}`).join('; ');
+        throw new Error('QBO Payment failed: ' + errMsg);
+    }
+
+    console.log(`✅ QBO Payment created: ID ${paymentData.Payment?.Id}`);
+
+    // --- 2. Create QBO Expense for Stripe Fee ---
+    if (stripeFee > 0) {
+        const expensePayload = {
+            AccountRef: { value: '244', name: 'PlainsCapital Bank' },  // Checking
+            TxnDate: new Date().toISOString().split('T')[0],
+            PaymentType: 'Check',
+            PrivateNote: `Stripe processing fee for Invoice #${invoice.invoice_number} (${methodLabel})`,
+            Line: [{
+                DetailType: 'AccountBasedExpenseLineDetail',
+                Amount: stripeFee,
+                AccountBasedExpenseLineDetail: {
+                    AccountRef: { value: '1150040001', name: 'Payment Processing Fees' }
+                },
+                Description: `Stripe ${methodLabel} fee — Invoice #${invoice.invoice_number}`
+            }]
+        };
+
+        console.log(`📤 QBO: Booking Stripe fee $${stripeFee.toFixed(2)}...`);
+
+        const expenseRes = await makeQboApiCall({
+            url: `${baseUrl}/v3/company/${companyId}/purchase`,
+            method: 'POST',
+            headers: { 'Content-Type': 'application/json' },
+            body: JSON.stringify(expensePayload)
+        });
+
+        const expenseData = expenseRes.getJson ? expenseRes.getJson() : expenseRes.json;
+        if (expenseData.Fault) {
+            console.error('⚠️ QBO Expense booking failed:', JSON.stringify(expenseData.Fault));
+            // Don't throw — payment is still valid even if fee booking fails
+        } else {
+            console.log(`✅ QBO Expense created: ID ${expenseData.Purchase?.Id}`);
+        }
+    }
+
+    return {
+        paymentId: paymentData.Payment?.Id,
+        feeBooked: stripeFee > 0
+    };
+}
 module.exports = router;

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 
+    // Stripe Pay Button — only if payment link exists
-        ? `<mj-button background-color="#2563eb" color="white" border-radius="6px" href="${melioLink}" font-weight="600" font-size="16px" padding-top="25px">
+    let paymentButtonMjml = '';
-             Pay Now (Free ACH)
+    if (stripePaymentUrl) {
-           </mj-button>`
+        paymentButtonMjml = `
-        : '';
+            <mj-section background-color="#ffffff" padding="0 30px">
+              <mj-column>
+                <mj-button 
+                  background-color="#635bff" 
+                  color="white" 
+                  border-radius="6px" 
+                  href="${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>
+          </mj-column>
+        </mj-section>
 
-            ${buttonMjml}
+        ${paymentButtonMjml}
 
-            <mj-divider border-color="#e2e8f0" border-width="1px" padding-top="30px" padding-bottom="20px" />
+        <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) {
+async function sendInvoiceEmail(invoice, recipientEmail, customText, stripePaymentUrl, pdfBuffer) {
-    const htmlContent = generateInvoiceEmailHtml(invoice, customText, melioLink);
+    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
+};