sharetribe/sharetribe

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app/services/stripe_service/api/stripe_api_wrapper.rb

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1 day
Test Coverage
class StripeService::API::StripeApiWrapper
  DEFAULT_MCC = 5734 # Computer Software Stores
  API_2019_12_03 = '2019-12-03'.freeze
  API_2019_02_19 = '2019-02-19'.freeze

  class << self

    @@mutex ||= Mutex.new # rubocop:disable ClassVars

    def payment_settings_for(community)
      PaymentSettings.where(community_id: community, payment_gateway: :stripe, payment_process: :preauthorize).first
    end

    def configure_payment_for(settings)
      Stripe.api_version = API_2019_12_03
      Stripe.api_key = TransactionService::Store::PaymentSettings.decrypt_value(settings.api_private_key, settings.key_encryption_padding)
    end

    def reset_configurations
      Stripe.api_key = ""
    end

    # This method should be used for all actions that require setting correct
    # Merchant details for the Stripe gem
    def with_stripe_payment_config(community, &block)
      @@mutex.synchronize {
        payment_settings = payment_settings_for(community)
        configure_payment_for(payment_settings)

        return_value = block.call(payment_settings)

        reset_configurations

        return return_value
      }
    end

    def register_customer(community:, email:, card_token:, metadata: {})
      with_stripe_payment_config(community) do |payment_settings|
        Stripe::Customer.create({
            email: email,
            card: card_token
          }.merge(metadata: metadata))
      end
    end

    def update_customer(community:, customer_id:, token:)
      with_stripe_payment_config(community) do |payment_settings|
        customer = Stripe::Customer.retrieve(customer_id)
        customer.source = token
        customer.save
        customer
      end
    end

    def publishable_key(community)
      with_stripe_payment_config(community) do |payment_settings|
        payment_settings.api_publishable_key
      end
    end

    def create_token(community:, customer_id:, account_id:)
      with_stripe_payment_config(community) do |payment_settings|
        Stripe::Token.create({customer: customer_id}, {stripe_account: account_id})
      end
    end

    def register_seller(community:, account_info:, metadata: {})
      with_stripe_payment_config(community) do |payment_settings|
        case charges_mode(community)
        when :separate
          # platform holds captured funds until completion, up to 90 days, then makes transfer
          payout_mode = {}
        when :destination
          # managed accounts, make payout after completion om funds availability date
          payout_mode =
            {
              settings: {
                payouts: {
                  schedule: {
                    interval: 'manual'
                  }
                }
              }
            }
        end
        data = {
          type: 'custom',
          country: account_info[:address_country],
          email: account_info[:email],
          account_token: account_info[:token]
        }
        data[:requested_capabilities] = %w[card_payments transfers]
        data[:business_profile] = {
          mcc: DEFAULT_MCC,
          product_description: "#{account_info[:first_name_kana] || account_info[:first_name]} #{account_info[:last_name_kana] || account_info[:last_name]}",
          url: account_info[:url]
        }
        data.deep_merge!(payout_mode).deep_merge!(metadata: metadata)
        Stripe::Account.create(data)
      end
    end

    def register_seller_bounding(community:, account_info:, metadata: {})
      with_stripe_payment_config(community) do
        case charges_mode(community)
        when :separate
          payout_mode = {}
        when :destination
          payout_mode =
            {
              settings: {
                payouts: {
                  schedule: {
                    interval: 'manual'
                  }
                }
              }
            }
        end
        data = {
          type: 'custom',
          country: account_info[:address_country],
          email: account_info[:email],
          account_token: account_info[:account_token]
        }
        data[:requested_capabilities] = %w[card_payments transfers]
        data[:business_profile] = {
          mcc: DEFAULT_MCC,
          product_description: "#{account_info[:first_name]} #{account_info[:last_name]}",
          url: account_info[:url]
        }
        data.deep_merge!(payout_mode).deep_merge!(metadata: metadata)
        Stripe::Account.create(data)
      end
    end

    def create_account_link(community:, account_info:, _metadata: {})
      with_stripe_payment_config(community) do
        Stripe::AccountLink.create(account_info)
      end
    end

    def check_balance(community:)
      with_stripe_payment_config(community) do |payment_settings|
        Stripe::Balance.retrieve
      end
    rescue StandardError
      nil
    end

    def create_bank_account(community:, account_info:)
      with_stripe_payment_config(community) do |payment_settings|
        stripe_account = Stripe::Account.retrieve account_info[:stripe_seller_id]
        routing = account_info[:bank_routing_number].present? ? { routing_number: account_info[:bank_routing_number] } : {}
        data = {
          external_account: {
            object: 'bank_account',
            account_number: account_info[:bank_account_number],
            currency: account_info[:bank_currency],
            country: account_info[:bank_country],
            account_holder_name: account_info[:bank_holder_name],
            account_holder_type: 'individual'
          }.merge(routing),
          default_for_currency: true
        }

        stripe_account.external_accounts.create(data)
      end
    end

    def get_account_balance(community:, account_id:)
      with_stripe_payment_config(community) do |payment_settings|
        Stripe::Balance.retrieve({stripe_account: account_id})
      end
    end

    def perform_payout(community:, account_id:, amount_cents:, currency:, metadata: {})
      with_stripe_payment_config(community) do |payment_settings|
        Stripe::Payout.create({amount: amount_cents, currency: currency}.merge(metadata: metadata), {stripe_account: account_id})
      end
    end

    def perform_transfer(community:, account_id:, amount_cents:, amount_currency:, initial_amount:, charge_id:, metadata: {})
      with_stripe_payment_config(community) do |payment_settings|
        charge = Stripe::Charge.retrieve(charge_id)
        balance_txn = Stripe::BalanceTransaction.retrieve(charge.balance_transaction)
        balance_currency = balance_txn.currency.upcase
        # when platform balance is, say in EUR, but prices are in USD, recalc amount
        fixed_amount = balance_currency == amount_currency ? amount_cents : (amount_cents * 1.0 / initial_amount * balance_txn.amount).to_i
        Stripe::Transfer.create({
            amount: fixed_amount,
            currency: balance_currency,
            destination: account_id,
            source_transaction: charge_id
          }.merge(metadata: metadata))
      end
    end

    def get_card_info(customer:)
      default_id = customer.default_source
      customer.sources.data.each do |source|
        if source.id == default_id && source.object == 'card'
          masked_card =  [source.brand, "****#{source.last4}", "Exp.#{source.exp_month}/#{source.exp_year}"].join(" ")
          return [masked_card, source.country]
        end
      end
      return nil
    end

    DESTINATION_TYPES = [:separate, :destination]
    # System supports different payment modes, see https://stripe.com/docs/connect/charges for details
    #
    # :separate    - Separate charges and transfers, payment goes to admin account, with delayed transfer to seller
    # :destination - Destination charges, payment goes to admin account, with instant partial transfer to seller
    #
    # By default :destination mode is used
    def charges_mode(community)
      APP_CONFIG.stripe_charges_mode.to_sym
    end

    def get_seller_account(community:, account_id:)
      with_stripe_payment_config(community) do |payment_settings|
        Stripe::Account.retrieve(account_id)
      end
    end

    def get_customer_account(community:, customer_id:)
      with_stripe_payment_config(community) do |payment_settings|
        Stripe::Customer.retrieve(customer_id)
      end
    end

    def get_balance_txn(community:, balance_txn_id:, account_id:)
      with_stripe_payment_config(community) do |payment_settings|
        case charges_mode(community)
        when :separate, :destination
          Stripe::BalanceTransaction.retrieve(balance_txn_id)
        end
      end
    end

    def update_account(community:, account_id:, attrs:)
      with_stripe_payment_config(community) do |payment_settings|
        account = Stripe::Account.retrieve(account_id)
        account.account_token = attrs[:token]
        account.email = attrs[:email]
        account.business_profile.mcc = DEFAULT_MCC
        account.business_profile.url = attrs[:url]
        account.save
      end
    end

    def update_account_capabilities(community:, account_id:)
      with_stripe_payment_config(community) do |payment_settings|
        account = Stripe::Account.retrieve(account_id)
        capabilities = account.capabilities
        unless capabilities['card_payments'] == 'active' && capabilities['platform_payments'] == 'active'
          account.requested_capabilities = ['card_payments', 'transfers', 'legacy_payments']
          account.save
        end
      end
      true
    rescue StandardError
      nil
    end

    def empty_string_as_nil(value)
      value.presence
    end

    def get_charge(community:, charge_id:)
      with_stripe_payment_config(community) do |payment_settings|
        Stripe::Charge.retrieve charge_id
      end
    end

    def get_transfer(community:, transfer_id:)
      with_stripe_payment_config(community) do |payment_settings|
        Stripe::Transfer.retrieve transfer_id
      end
    end

    def test_mode?(community)
      with_stripe_payment_config(community) do |payment_settings|
        Stripe.api_key =~ /^sk_test/
      end
    end

    def delete_account(community:, account_id:)
      with_stripe_payment_config(community) do |payment_settings|
        account = Stripe::Account.retrieve(account_id)
        account.delete
      end
    end

    def create_payment_intent(community:, seller_account_id:, payment_method_id:, amount:, currency:, fee:, description:, metadata:)
      with_stripe_payment_config(community) do |payment_settings|
        Stripe::PaymentIntent.create(
          capture_method: 'manual',
          payment_method: payment_method_id,
          amount: amount,
          currency: currency,
          confirmation_method: 'manual',
          confirm: true,
          on_behalf_of: seller_account_id,
          transfer_data: {
            destination: seller_account_id,
            amount: amount - fee
          },
          description: description,
          metadata: metadata
        )
      end
    end

    def confirm_payment_intent(community:, payment_intent_id:)
      with_stripe_payment_config(community) do |payment_settings|
        Stripe::PaymentIntent.new(payment_intent_id).confirm
      end
    end

    def capture_payment_intent(community:, payment_intent_id:)
      with_stripe_payment_config(community) do |payment_settings|
        Stripe::PaymentIntent.new(payment_intent_id).capture
      end
    end

    def cancel_payment_intent(community:, payment_intent_id:)
      with_stripe_payment_config(community) do |payment_settings|
        Stripe::PaymentIntent.new(payment_intent_id).cancel
      end
    end
  end
end