feat: create payout accounts (#17)

* add create payout account form

* add stripe connect flow

* handle edge case while determining service agreement

* set payout account type based on country

* add payout account status indicator

* enhance payout account management

* improve manage account drawer

* improve transactions page

* misc improvements

* misc improvements

* fix dialyzer error

* drop region param

Author: zcesur

lib/algora/accounts/schemas/user.ex

@@ -236,6 +236,7 @@ defmodule Algora.Accounts.User do
       :need_avatar,
       :website_url,
       :bio,
+      :country,
       :location,
       :timezone
     ])

lib/algora/integrations/stripe/connect_countries.ex

@@ -0,0 +1,140 @@
+defmodule Algora.Stripe.ConnectCountries do
+  @moduledoc false
+
+  @spec list() :: [{String.t(), String.t()}]
+  def list,
+    do: [
+      {"Albania", "AL"},
+      {"Algeria", "DZ"},
+      {"Angola", "AO"},
+      {"Antigua and Barbuda", "AG"},
+      {"Argentina", "AR"},
+      {"Armenia", "AM"},
+      {"Australia", "AU"},
+      {"Austria", "AT"},
+      {"Azerbaijan", "AZ"},
+      {"Bahamas", "BS"},
+      {"Bahrain", "BH"},
+      {"Bangladesh", "BD"},
+      {"Belgium", "BE"},
+      {"Benin", "BJ"},
+      {"Bhutan", "BT"},
+      {"Bolivia", "BO"},
+      {"Bosnia and Herzegovina", "BA"},
+      {"Botswana", "BW"},
+      {"Brazil", "BR"},
+      {"Brunei", "BN"},
+      {"Bulgaria", "BG"},
+      {"Cambodia", "KH"},
+      {"Canada", "CA"},
+      {"Chile", "CL"},
+      {"Colombia", "CO"},
+      {"Costa Rica", "CR"},
+      {"Croatia", "HR"},
+      {"Cyprus", "CY"},
+      {"Czech Republic", "CZ"},
+      {"Denmark", "DK"},
+      {"Dominican Republic", "DO"},
+      {"Ecuador", "EC"},
+      {"Egypt", "EG"},
+      {"El Salvador", "SV"},
+      {"Estonia", "EE"},
+      {"Ethiopia", "ET"},
+      {"Finland", "FI"},
+      {"France", "FR"},
+      {"Gabon", "GA"},
+      {"Gambia", "GM"},
+      {"Germany", "DE"},
+      {"Ghana", "GH"},
+      {"Gibraltar", "GI"},
+      {"Greece", "GR"},
+      {"Guatemala", "GT"},
+      {"Guyana", "GY"},
+      {"Hong Kong", "HK"},
+      {"Hungary", "HU"},
+      {"Iceland", "IS"},
+      {"India", "IN"},
+      {"Indonesia", "ID"},
+      {"Ireland", "IE"},
+      {"Israel", "IL"},
+      {"Italy", "IT"},
+      {"Ivory Coast", "CI"},
+      {"Jamaica", "JM"},
+      {"Japan", "JP"},
+      {"Jordan", "JO"},
+      {"Kazakhstan", "KZ"},
+      {"Kenya", "KE"},
+      {"Kuwait", "KW"},
+      {"Laos", "LA"},
+      {"Latvia", "LV"},
+      {"Liechtenstein", "LI"},
+      {"Lithuania", "LT"},
+      {"Luxembourg", "LU"},
+      {"Macao", "MO"},
+      {"Macedonia", "MK"},
+      {"Madagascar", "MG"},
+      {"Malaysia", "MY"},
+      {"Malta", "MT"},
+      {"Mauritius", "MU"},
+      {"Mexico", "MX"},
+      {"Moldova", "MD"},
+      {"Monaco", "MC"},
+      {"Mongolia", "MN"},
+      {"Morocco", "MA"},
+      {"Mozambique", "MZ"},
+      {"Namibia", "NA"},
+      {"Netherlands", "NL"},
+      {"New Zealand", "NZ"},
+      {"Nigeria", "NG"},
+      {"Norway", "NO"},
+      {"Oman", "OM"},
+      {"Pakistan", "PK"},
+      {"Panama", "PA"},
+      {"Paraguay", "PY"},
+      {"Peru", "PE"},
+      {"Philippines", "PH"},
+      {"Poland", "PL"},
+      {"Portugal", "PT"},
+      {"Qatar", "QA"},
+      {"Romania", "RO"},
+      {"Rwanda", "RW"},
+      {"Saint Lucia", "LC"},
+      {"San Marino", "SM"},
+      {"Saudi Arabia", "SA"},
+      {"Senegal", "SN"},
+      {"Serbia", "RS"},
+      {"Singapore", "SG"},
+      {"Slovakia", "SK"},
+      {"Slovenia", "SI"},
+      {"South Africa", "ZA"},
+      {"South Korea", "KR"},
+      {"Spain", "ES"},
+      {"Sri Lanka", "LK"},
+      {"Sweden", "SE"},
+      {"Switzerland", "CH"},
+      {"Taiwan", "TW"},
+      {"Tanzania", "TZ"},
+      {"Thailand", "TH"},
+      {"Trinidad and Tobago", "TT"},
+      {"Tunisia", "TN"},
+      {"Turkey", "TR"},
+      {"United Arab Emirates", "AE"},
+      {"United Kingdom", "GB"},
+      {"United States", "US"},
+      {"Uruguay", "UY"},
+      {"Uzbekistan", "UZ"},
+      {"Vietnam", "VN"}
+    ]
+
+  @spec from_code(String.t()) :: String.t()
+  def from_code(code) do
+    list() |> Enum.find(&(elem(&1, 1) == code)) |> elem(0) || code
+  end
+
+  @spec list_codes() :: [String.t()]
+  def list_codes, do: Enum.map(list(), &elem(&1, 1))
+
+  @spec account_type(String.t()) :: :standard | :express
+  def account_type("BR"), do: :standard
+  def account_type(_), do: :express
+end

lib/algora/payments/payments.ex

@@ -2,10 +2,15 @@ defmodule Algora.Payments do
   @moduledoc false
   import Ecto.Query
 
+  alias Algora.Accounts
+  alias Algora.Accounts.User
+  alias Algora.Payments.Account
   alias Algora.Payments.Customer
   alias Algora.Payments.PaymentMethod
   alias Algora.Payments.Transaction
   alias Algora.Repo
+  alias Algora.Stripe.ConnectCountries
+  alias Algora.Util
 
   require Logger
 
@@ -128,4 +133,119 @@ defmodule Algora.Payments do
     |> order_by([t], desc: t.inserted_at)
     |> Repo.all()
   end
+
+  @spec fetch_or_create_account(user :: User.t(), country :: String.t()) ::
+          {:ok, Account.t()} | {:error, Ecto.Changeset.t()}
+  def fetch_or_create_account(user, country) do
+    case fetch_account(user) do
+      {:ok, account} -> {:ok, account}
+      {:error, :not_found} -> create_account(user, country)
+    end
+  end
+
+  @spec fetch_account(user :: User.t()) ::
+          {:ok, Account.t()} | {:error, :not_found}
+  def fetch_account(user) do
+    Repo.fetch_by(Account, user_id: user.id)
+  end
+
+  @spec create_account(user :: User.t(), country :: String.t()) ::
+          {:ok, Account.t()} | {:error, Ecto.Changeset.t()}
+  def create_account(user, country) do
+    type = ConnectCountries.account_type(country)
+
+    with {:ok, stripe_account} <- create_stripe_account(%{country: country, type: type}) do
+      attrs = %{
+        provider: "stripe",
+        provider_id: stripe_account.id,
+        provider_meta: Util.normalize_struct(stripe_account),
+        type: type,
+        user_id: user.id,
+        country: country
+      }
+
+      %Account{}
+      |> Account.changeset(attrs)
+      |> Repo.insert()
+    end
+  end
+
+  @spec create_stripe_account(attrs :: map()) ::
+          {:ok, Stripe.Account.t()} | {:error, Stripe.Error.t()}
+  defp create_stripe_account(%{country: country, type: type}) do
+    case Stripe.Account.create(%{country: country, type: to_string(type)}) do
+      {:ok, account} -> {:ok, account}
+      {:error, _reason} -> Stripe.Account.create(%{type: to_string(type)})
+    end
+  end
+
+  @spec create_account_link(account :: Account.t(), base_url :: String.t()) ::
+          {:ok, Stripe.AccountLink.t()} | {:error, Stripe.Error.t()}
+  def create_account_link(account, base_url) do
+    Stripe.AccountLink.create(%{
+      account: account.provider_id,
+      refresh_url: "#{base_url}/callbacks/stripe/refresh",
+      return_url: "#{base_url}/callbacks/stripe/return",
+      type: "account_onboarding"
+    })
+  end
+
+  @spec create_login_link(account :: Account.t()) ::
+          {:ok, Stripe.LoginLink.t()} | {:error, Stripe.Error.t()}
+  def create_login_link(account) do
+    Stripe.LoginLink.create(account.provider_id, %{})
+  end
+
+  @spec update_account(account :: Account.t(), stripe_account :: Stripe.Account.t()) ::
+          {:ok, Account.t()} | {:error, Ecto.Changeset.t()}
+  def update_account(account, stripe_account) do
+    account
+    |> Account.changeset(%{
+      provider: "stripe",
+      provider_id: stripe_account.id,
+      provider_meta: Util.normalize_struct(stripe_account),
+      charges_enabled: stripe_account.charges_enabled,
+      payouts_enabled: stripe_account.payouts_enabled,
+      payout_interval: stripe_account.settings.payouts.schedule.interval,
+      payout_speed: stripe_account.settings.payouts.schedule.delay_days,
+      default_currency: stripe_account.default_currency,
+      details_submitted: stripe_account.details_submitted,
+      country: stripe_account.country,
+      service_agreement: get_service_agreement(stripe_account)
+    })
+    |> Repo.update()
+  end
+
+  @spec refresh_stripe_account(user :: User.t()) ::
+          {:ok, Account.t()} | {:error, Ecto.Changeset.t()} | {:error, :not_found} | {:error, Stripe.Error.t()}
+  def refresh_stripe_account(user) do
+    with {:ok, account} <- fetch_account(user),
+         {:ok, stripe_account} <- Stripe.Account.retrieve(account.provider_id, []),
+         {:ok, updated_account} <- update_account(account, stripe_account) do
+      user = Accounts.get_user(account.user_id)
+
+      if user && stripe_account.charges_enabled do
+        Accounts.update_settings(user, %{country: stripe_account.country})
+      end
+
+      {:ok, updated_account}
+    end
+  end
+
+  @spec get_service_agreement(account :: Stripe.Account.t()) :: String.t()
+  defp get_service_agreement(%{tos_acceptance: %{service_agreement: agreement}} = _account) when not is_nil(agreement) do
+    agreement
+  end
+
+  @spec get_service_agreement(account :: Stripe.Account.t()) :: String.t()
+  defp get_service_agreement(%{capabilities: capabilities}) do
+    if is_nil(capabilities[:card_payments]), do: "recipient", else: "full"
+  end
+
+  @spec delete_account(account :: Account.t()) :: {:ok, Account.t()} | {:error, Ecto.Changeset.t()}
+  def delete_account(account) do
+    with {:ok, _stripe_account} <- Stripe.Account.delete(account.provider_id) do
+      Repo.delete(account)
+    end
+  end
 end

lib/algora/payments/schemas/account.ex

@@ -2,22 +2,27 @@ defmodule Algora.Payments.Account do
   @moduledoc false
   use Algora.Schema
 
+  alias Algora.Stripe
+
   @derive {Inspect, except: [:provider_meta]}
   typed_schema "accounts" do
-    field :provider, :string
-    field :provider_id, :string
-    field :provider_meta, :map
+    field :provider, :string, null: false
+    field :provider_id, :string, null: false
+    field :provider_meta, :map, null: false
 
     field :name, :string
-    field :details_submitted, :boolean, default: false
-    field :charges_enabled, :boolean, default: false
+    field :details_submitted, :boolean, default: false, null: false
+    field :charges_enabled, :boolean, default: false, null: false
+    field :payouts_enabled, :boolean, default: false, null: false
+    field :payout_interval, :string
+    field :payout_speed, :integer
+    field :default_currency, :string
     field :service_agreement, :string
-    field :country, :string
-    field :type, Ecto.Enum, values: [:standard, :express]
-    field :region, Ecto.Enum, values: [:US, :EU]
-    field :stale, :boolean, default: false
+    field :country, :string, null: false
+    field :type, Ecto.Enum, values: [:standard, :express], null: false
+    field :stale, :boolean, default: false, null: false
 
-    belongs_to :user, Algora.Accounts.User
+    belongs_to :user, Algora.Accounts.User, null: false
 
     timestamps()
   end
@@ -30,12 +35,31 @@ defmodule Algora.Payments.Account do
       :provider_meta,
       :details_submitted,
       :charges_enabled,
+      :payouts_enabled,
+      :payout_interval,
+      :payout_speed,
+      :default_currency,
       :service_agreement,
       :country,
       :type,
-      :region,
-      :stale
+      :stale,
+      :user_id
+    ])
+    |> validate_required([
+      :provider,
+      :provider_id,
+      :provider_meta,
+      :details_submitted,
+      :charges_enabled,
+      :payouts_enabled,
+      :country,
+      :type,
+      :stale,
+      :user_id
     ])
-    |> validate_required([:provider, :provider_id, :provider_meta])
+    |> validate_inclusion(:type, [:standard, :express])
+    |> validate_inclusion(:country, Stripe.ConnectCountries.list_codes())
+    |> foreign_key_constraint(:user_id)
+    |> generate_id()
   end
 end

lib/algora/payments/schemas/customer.ex

@@ -9,7 +9,6 @@ defmodule Algora.Payments.Customer do
     field :provider_meta, :map
 
     field :name, :string
-    field :region, Ecto.Enum, values: [:US, :EU]
 
     belongs_to :user, Algora.Accounts.User
 
@@ -22,8 +21,8 @@ defmodule Algora.Payments.Customer do
 
   def changeset(customer, attrs) do
     customer
-    |> cast(attrs, [:user_id, :provider, :provider_id, :provider_meta, :name, :region])
-    |> validate_required([:user_id, :provider, :provider_id, :provider_meta, :name, :region])
+    |> cast(attrs, [:user_id, :provider, :provider_id, :provider_meta, :name])
+    |> validate_required([:user_id, :provider, :provider_id, :provider_meta, :name])
     |> unique_constraint(:user_id)
   end
 end

lib/algora/repo.ex

@@ -37,7 +37,7 @@ defmodule Algora.Repo do
     fetch_one(query, opts)
   end
 
-  @spec fetch_by(Ecto.Queryable.t(), Keyword.t(), Keyword.t()) ::
+  @spec fetch_by(Ecto.Queryable.t(), Keyword.t() | map(), Keyword.t()) ::
           {:ok, struct()} | {:error, :not_found}
   def fetch_by(queryable, clauses, opts \\ []) do
     query =

lib/algora_web/components/ui/drawer.ex

@@ -45,7 +45,7 @@ defmodule AlgoraWeb.Components.UI.Drawer do
           "fixed z-50 transform border bg-background transition-transform duration-300 ease-in-out",
           case @direction do
             "bottom" -> "inset-x-0 bottom-0 rounded-t-xl"
-            "right" -> "inset-y-0 right-0 h-full max-w-lg"
+            "right" -> "inset-y-0 right-0 h-full max-w-lg w-full"
           end,
           case @direction do
             "bottom" -> if(@show, do: "translate-y-0", else: "translate-y-full")