ladill-mini/app/Services/Mini/MiniPaymentService.php

<?php

namespace App\Services\Mini;

use App\Models\MiniPayment;
use App\Models\QrCode;
use App\Services\Billing\BillingClient;
use App\Services\Billing\PaystackService;
use App\Services\Billing\SmsService;
use Illuminate\Support\Str;
use RuntimeException;

class MiniPaymentService
{
    public function __construct(
        private PaystackService $paystack,
        private BillingClient $billing,
        private SmsService $sms,
    ) {}

    /**
     * @param  array{amount: float}  $data
     * @return array{payment: MiniPayment, checkout_url: string}
     */
    public function initiate(QrCode $qrCode, array $data): array
    {
        if ($qrCode->type !== QrCode::TYPE_PAYMENT) {
            throw new RuntimeException('This QR is not a payment code.');
        }

        $amountGhs = round((float) ($data['amount'] ?? 0), 2);
        if ($amountGhs <= 0) {
            throw new RuntimeException('Enter an amount greater than zero.');
        }

        $qrCode->loadMissing('user.qrSetting');
        $merchant = $qrCode->user;
        $email = trim((string) ($merchant?->qrSetting?->notify_email ?: $merchant?->email));
        if ($email === '' || ! str_contains($email, '@')) {
            throw new RuntimeException('This payment QR is not ready yet — the vendor must add an email in Ladill Mini settings.');
        }

        $amountMinor = (int) round($amountGhs * 100);
        $reference = 'MINP-'.strtoupper(Str::random(16));
        $payRef = 'MIN-'.strtoupper(Str::random(16));

        $payment = MiniPayment::create([
            'qr_code_id' => $qrCode->id,
            'user_id' => $qrCode->user_id,
            'reference' => $reference,
            'amount_minor' => $amountMinor,
            'currency' => $qrCode->content()['currency'] ?? 'GHS',
            'payer_name' => null,
            'payer_email' => null,
            'payer_phone' => null,
            'payer_note' => null,
            'status' => MiniPayment::STATUS_PENDING,
            'payment_reference' => $payRef,
        ]);

        $paystackData = $this->paystack->initializeTransaction([
            'email' => $email,
            'amount' => $amountMinor,
            'currency' => $payment->currency,
            'reference' => $payRef,
            'callback_url' => route('qr.public.payment.callback', ['shortCode' => $qrCode->short_code]),
            'metadata' => [
                'mini_payment_id' => $payment->id,
                'qr_code_id' => $qrCode->id,
                'merchant_id' => $qrCode->user_id,
            ],
        ]);

        $checkoutUrl = $paystackData['authorization_url']
            ?? (isset($paystackData['access_code']) && $paystackData['access_code'] !== ''
                ? 'https://checkout.paystack.com/'.$paystackData['access_code']
                : '');

        if ($checkoutUrl === '') {
            throw new RuntimeException('Could not start Paystack checkout. Please try again.');
        }

        return [
            'payment' => $payment,
            'checkout_url' => $checkoutUrl,
        ];
    }

    public function complete(string $paymentReference): MiniPayment
    {
        $payment = MiniPayment::where('payment_reference', $paymentReference)
            ->where('status', MiniPayment::STATUS_PENDING)
            ->firstOrFail();

        $data = $this->paystack->verifyTransaction($paymentReference);

        if (($data['status'] ?? '') !== 'success') {
            $payment->update(['status' => MiniPayment::STATUS_FAILED]);
            throw new RuntimeException('Payment was not successful.');
        }

        $paidMinor = (int) ($data['amount'] ?? $payment->amount_minor);
        $platformFeeMinor = (int) round($paidMinor * MiniPayment::PLATFORM_FEE_RATE);
        $merchantMinor = $paidMinor - $platformFeeMinor;

        $payment->update([
            'status' => MiniPayment::STATUS_PAID,
            'amount_minor' => $paidMinor,
            'platform_fee_minor' => $platformFeeMinor,
            'merchant_amount_minor' => $merchantMinor,
            'paid_at' => now(),
            'metadata' => array_merge((array) $payment->metadata, ['paystack' => $data]),
        ]);

        $merchant = $payment->merchant;
        $businessName = $payment->qrCode?->content()['business_name'] ?? $payment->qrCode?->label ?? 'Payment QR';

        $this->billing->credit(
            $merchant->public_id,
            $merchantMinor,
            'mini',
            'pay',
            $paymentReference,
            $payment->id,
            sprintf('Payment via %s', $businessName),
        );

        if ($payment->payer_phone) {
            $this->sms->send(
                $payment->payer_phone,
                sprintf(
                    'Payment of %s %s to %s confirmed. Ref: %s',
                    $payment->currency,
                    number_format($paidMinor / 100, 2),
                    $businessName,
                    $payment->reference
                )
            );
        }

        return $payment->fresh(['qrCode', 'merchant']);
    }
}