SkyMoney/api/tests/payment-rollover.test.ts

import { afterAll, beforeAll, beforeEach, describe, expect, it } from "vitest";
import request from "supertest";
import appFactory from "./appFactory";
import { prisma, ensureUser, resetUser, U, closePrisma } from "./helpers";
import type { FastifyInstance } from "fastify";

let app: FastifyInstance;

beforeAll(async () => {
  app = await appFactory();
});

beforeEach(async () => {
  await resetUser(U);
  await ensureUser(U);
});

afterAll(async () => {
  await app.close();
  await closePrisma();
});

describe("Payment-Triggered Rollover", () => {
  it("advances due date for weekly frequency on payment", async () => {
    // Create a fixed plan with weekly frequency
    const plan = await prisma.fixedPlan.create({
      data: {
        userId: U,
        name: "Weekly Subscription",
        totalCents: 1000n,
        fundedCents: 1000n,
        currentFundedCents: 1000n,
        priority: 10,
        cycleStart: new Date("2025-11-01T00:00:00Z"),
        dueOn: new Date("2025-12-01T00:00:00Z"),
        frequency: "weekly",
      },
    });

    // Make payment
    const txRes = await request(app.server)
      .post("/transactions")
      .set("x-user-id", U)
      .send({
        occurredAtISO: "2025-11-27T12:00:00Z",
        kind: "fixed_payment",
        amountCents: 1000,
        planId: plan.id,
      });

    if (txRes.status !== 200) {
      console.log("Response status:", txRes.status);
      console.log("Response body:", txRes.body);
    }
    expect(txRes.status).toBe(200);

    // Check plan was updated with next due date (7 days later)
    const updated = await prisma.fixedPlan.findUnique({ where: { id: plan.id } });
    expect(updated?.fundedCents).toBe(0n);
    expect(updated?.currentFundedCents).toBe(0n);
    expect(updated?.dueOn.toISOString()).toBe("2025-12-08T00:00:00.000Z");
  });

  it("advances due date for biweekly frequency on payment", async () => {
    const plan = await prisma.fixedPlan.create({
      data: {
        userId: U,
        name: "Biweekly Bill",
        totalCents: 5000n,
        fundedCents: 5000n,
        currentFundedCents: 5000n,
        priority: 10,
        cycleStart: new Date("2025-11-01T00:00:00Z"),
        dueOn: new Date("2025-12-01T00:00:00Z"),
        frequency: "biweekly",
      },
    });

    const txRes = await request(app.server)
      .post("/transactions")
      .set("x-user-id", U)
      .send({
        occurredAtISO: "2025-11-27T12:00:00Z",
        kind: "fixed_payment",
        amountCents: 5000,
        planId: plan.id,
      });

    expect(txRes.status).toBe(200);

    const updated = await prisma.fixedPlan.findUnique({ where: { id: plan.id } });
    expect(updated?.fundedCents).toBe(0n);
    expect(updated?.dueOn.toISOString()).toBe("2025-12-15T00:00:00.000Z");
  });

  it("advances due date for monthly frequency on payment", async () => {
    const plan = await prisma.fixedPlan.create({
      data: {
        userId: U,
        name: "Monthly Rent",
        totalCents: 100000n,
        fundedCents: 100000n,
        currentFundedCents: 100000n,
        priority: 10,
        cycleStart: new Date("2025-11-01T00:00:00Z"),
        dueOn: new Date("2025-12-01T00:00:00Z"),
        frequency: "monthly",
      },
    });

    const txRes = await request(app.server)
      .post("/transactions")
      .set("x-user-id", U)
      .send({
        occurredAtISO: "2025-11-27T12:00:00Z",
        kind: "fixed_payment",
        amountCents: 100000,
        planId: plan.id,
      });

    expect(txRes.status).toBe(200);

    const updated = await prisma.fixedPlan.findUnique({ where: { id: plan.id } });
    expect(updated?.fundedCents).toBe(0n);
    expect(updated?.dueOn.toISOString()).toBe("2026-01-01T00:00:00.000Z");
  });

  it("does not advance due date for one-time frequency", async () => {
    const originalDueDate = new Date("2025-12-01T00:00:00Z");
    const plan = await prisma.fixedPlan.create({
      data: {
        userId: U,
        name: "One-time Expense",
        totalCents: 2000n,
        fundedCents: 2000n,
        currentFundedCents: 2000n,
        priority: 10,
        cycleStart: new Date("2025-11-01T00:00:00Z"),
        dueOn: originalDueDate,
        frequency: "one-time",
      },
    });

    const txRes = await request(app.server)
      .post("/transactions")
      .set("x-user-id", U)
      .send({
        occurredAtISO: "2025-11-27T12:00:00Z",
        kind: "fixed_payment",
        amountCents: 2000,
        planId: plan.id,
      });

    expect(txRes.status).toBe(200);

    const updated = await prisma.fixedPlan.findUnique({ where: { id: plan.id } });
    expect(updated?.fundedCents).toBe(0n);
    // Due date should remain unchanged for one-time expenses
    expect(updated?.dueOn.toISOString()).toBe(originalDueDate.toISOString());
  });

  it("does not advance due date when no frequency is set", async () => {
    const originalDueDate = new Date("2025-12-01T00:00:00Z");
    const plan = await prisma.fixedPlan.create({
      data: {
        userId: U,
        name: "Manual Bill",
        totalCents: 3000n,
        fundedCents: 3000n,
        currentFundedCents: 3000n,
        priority: 10,
        cycleStart: new Date("2025-11-01T00:00:00Z"),
        dueOn: originalDueDate,
        frequency: null,
      },
    });

    const txRes = await request(app.server)
      .post("/transactions")
      .set("x-user-id", U)
      .send({
        occurredAtISO: "2025-11-27T12:00:00Z",
        kind: "fixed_payment",
        amountCents: 3000,
        planId: plan.id,
      });

    expect(txRes.status).toBe(200);

    const updated = await prisma.fixedPlan.findUnique({ where: { id: plan.id } });
    expect(updated?.fundedCents).toBe(0n);
    // Due date should remain unchanged when no frequency
    expect(updated?.dueOn.toISOString()).toBe(originalDueDate.toISOString());
  });

  it("prevents payment when insufficient funded amount", async () => {
    const plan = await prisma.fixedPlan.create({
      data: {
        userId: U,
        name: "Underfunded Bill",
        totalCents: 10000n,
        fundedCents: 5000n,
        currentFundedCents: 5000n,
        priority: 10,
        cycleStart: new Date("2025-11-01T00:00:00Z"),
        dueOn: new Date("2025-12-01T00:00:00Z"),
        frequency: "monthly",
      },
    });

    // Try to pay more than funded amount
    const txRes = await request(app.server)
      .post("/transactions")
      .set("x-user-id", U)
      .send({
        occurredAtISO: "2025-11-27T12:00:00Z",
        kind: "fixed_payment",
        amountCents: 10000,
        planId: plan.id,
      });

    expect(txRes.status).toBe(400);
    expect(txRes.body.code).toBe("OVERDRAFT_PLAN");

    // Plan should remain unchanged
    const unchanged = await prisma.fixedPlan.findUnique({ where: { id: plan.id } });
    expect(unchanged?.fundedCents).toBe(5000n);
    expect(unchanged?.dueOn.toISOString()).toBe("2025-12-01T00:00:00.000Z");
  });
});