Make POS payment routing plan-aware.

Co-authored-by: Cursor <cursoragent@cursor.com>

app/Models/PaymentGatewaySetting.php

@@ -39,12 +39,14 @@ class PaymentGatewaySetting extends Model
             return false;
         }
 
+        $public = trim((string) $this->public_key);
         $secret = trim((string) $this->secret_key);
 
-        return $secret !== '' && in_array($this->provider, [
+        return match ($this->provider) {
-            self::PROVIDER_PAYSTACK,
+            self::PROVIDER_PAYSTACK => str_starts_with($public, 'pk_') && str_starts_with($secret, 'sk_'),
-            self::PROVIDER_FLUTTERWAVE,
+            self::PROVIDER_FLUTTERWAVE => $public !== '' && $secret !== '',
-            self::PROVIDER_HUBTEL,
+            self::PROVIDER_HUBTEL => $public !== '' && $secret !== '',
-        ], true);
+            default => false,
+        };
     }
 }

app/Services/Payments/MerchantGatewayService.php

@@ -4,12 +4,15 @@ namespace App\Services\Payments;
 
 use App\Models\PaymentGatewaySetting;
 use App\Models\User;
+use App\Services\Pay\PayClient;
 use App\Services\Pos\SubscriptionService;
 use Illuminate\Support\Facades\Http;
 use RuntimeException;
 
 class MerchantGatewayService
 {
+    public function __construct(private readonly PayClient $pay) {}
+
     public function settingFor(User|string $owner): ?PaymentGatewaySetting
     {
         $ownerRef = $owner instanceof User ? (string) $owner->public_id : $owner;
@@ -19,11 +22,13 @@ class MerchantGatewayService
 
     public function isConfigured(User|string $owner): bool
     {
-        if (! $this->ownerMayUseGateway($owner)) {
+        return $this->shouldUseOwnerGateway($owner);
-            return false;
+    }
-        }
 
-        return (bool) $this->settingFor($owner)?->isConfigured();
+    public function shouldUseOwnerGateway(User|string $owner): bool
+    {
+        return $this->ownerMayUseGateway($owner)
+            && (bool) $this->settingFor($owner)?->isConfigured();
     }
 
     /**
@@ -39,15 +44,25 @@ class MerchantGatewayService
         string $reference,
         array $metadata = [],
     ): array {
-        $setting = $this->requireConfigured($owner);
         $currency = strtoupper($currency ?: 'GHS');
+        $email = (string) config('pay.mini_checkout_email', 'pay@ladill.com');
 
-        return match ($setting->provider) {
+        if (! $this->shouldUseOwnerGateway($owner)) {
-            PaymentGatewaySetting::PROVIDER_PAYSTACK => $this->paystackInitialize($setting, $amountMinor, $currency, $email, $callbackUrl, $reference, $metadata),
+            return $this->ladillPayInitialize($owner, $amountMinor, $email, $callbackUrl, $reference, $metadata);
-            PaymentGatewaySetting::PROVIDER_FLUTTERWAVE => $this->flutterwaveInitialize($setting, $amountMinor, $currency, $email, $callbackUrl, $reference, $metadata),
+        }
-            PaymentGatewaySetting::PROVIDER_HUBTEL => $this->hubtelInitialize($setting, $amountMinor, $currency, $email, $callbackUrl, $reference, $metadata),
+
-            default => throw new RuntimeException('Unsupported payment provider.'),
+        $setting = $this->requireConfigured($owner);
-        };
+
+        try {
+            return match ($setting->provider) {
+                PaymentGatewaySetting::PROVIDER_PAYSTACK => $this->paystackInitialize($setting, $amountMinor, $currency, $email, $callbackUrl, $reference, $metadata),
+                PaymentGatewaySetting::PROVIDER_FLUTTERWAVE => $this->flutterwaveInitialize($setting, $amountMinor, $currency, $email, $callbackUrl, $reference, $metadata),
+                PaymentGatewaySetting::PROVIDER_HUBTEL => $this->hubtelInitialize($setting, $amountMinor, $currency, $email, $callbackUrl, $reference, $metadata),
+                default => throw new RuntimeException('Unsupported payment provider.'),
+            };
+        } catch (\Throwable) {
+            return $this->ladillPayInitialize($owner, $amountMinor, $email, $callbackUrl, $reference, $metadata);
+        }
     }
 
     /**
@@ -55,7 +70,24 @@ class MerchantGatewayService
      */
     public function verify(User|string $owner, string $reference): array
     {
-        $setting = $this->requireConfigured($owner);
+        if (str_starts_with($reference, 'LP-')) {
+            $result = $this->pay->verify($reference);
+
+            return [
+                'paid' => in_array(strtolower((string) ($result['status'] ?? '')), ['paid', 'success'], true),
+                'amount_minor' => (int) ($result['amount_minor'] ?? 0),
+                'reference' => (string) ($result['reference'] ?? $reference),
+                'provider' => 'ladill_pay',
+                'raw' => $result,
+            ];
+        }
+
+        // Verification intentionally ignores current plan state so payments
+        // initiated before a downgrade can still complete safely.
+        $setting = $this->settingFor($owner);
+        if (! $setting?->isConfigured()) {
+            throw new RuntimeException('The payment gateway used for this transaction is no longer configured.');
+        }
 
         return match ($setting->provider) {
             PaymentGatewaySetting::PROVIDER_PAYSTACK => $this->paystackVerify($setting, $reference),
@@ -79,6 +111,32 @@ class MerchantGatewayService
         return $setting;
     }
 
+    /** @return array{checkout_url:string,reference:string,provider:string} */
+    private function ladillPayInitialize(User|string $owner, int $amountMinor, string $email, string $callbackUrl, string $reference, array $metadata): array
+    {
+        $ownerRef = $owner instanceof User ? (string) $owner->public_id : (string) $owner;
+        $checkout = $this->pay->createCheckout([
+            'merchant' => $ownerRef,
+            'fee_tier' => 'sales',
+            'source_service' => 'pos',
+            'source_ref' => (string) ($metadata['pos_sale_id'] ?? $metadata['pos_payment_id'] ?? $reference),
+            'callback_url' => $callbackUrl,
+            'customer_email' => $email,
+            'line_items' => [[
+                'name' => (string) ($metadata['title'] ?? 'POS payment'),
+                'unit_price_minor' => $amountMinor,
+                'quantity' => 1,
+            ]],
+            'metadata' => $metadata,
+        ]);
+
+        return [
+            'checkout_url' => (string) $checkout['checkout_url'],
+            'reference' => (string) $checkout['reference'],
+            'provider' => 'ladill_pay',
+        ];
+    }
+
     protected function ownerMayUseGateway(User|string $owner): bool
     {
         $user = $owner instanceof User

resources/views/pos/settings.blade.php

@@ -123,16 +123,21 @@
 
                 <div class="border-t border-slate-100 pt-4">
                     <p class="text-sm font-semibold text-slate-900">Payment gateway</p>
-                    <p class="mt-1 text-xs text-slate-400">Connect Paystack, Flutterwave, or Hubtel. Online checkouts go 100% to you — 0% Ladill fee. Pro &amp; Business plans only.</p>
+                    <p class="mt-1 text-xs text-slate-400">Ladill Pay is recommended, selected by default, and needs no API keys. Pro and Business can optionally use an owner gateway.</p>
+                </div>
+                <div class="rounded-xl border border-emerald-100 bg-emerald-50 px-4 py-3 text-sm text-emerald-900">
+                    <p class="font-medium">Ladill Pay — recommended default</p>
+                    <p class="mt-1 text-emerald-800/80">Zero-config card and MoMo checkout. It remains the safe fallback whenever an owner gateway is unavailable.</p>
                 </div>
                 @if ($canUsePaymentGateway ?? false)
                     <div>
                         <label class="text-sm font-medium text-slate-700">Provider</label>
                         <select name="gateway_provider" class="mt-1.5 block w-full rounded-xl border-slate-300 text-sm shadow-sm focus:border-indigo-500 focus:ring-indigo-500">
-                            <option value="">Select a provider</option>
+                            @php $selectedGateway = old('gateway_provider', $gateway?->is_active ? $gateway?->provider : ''); @endphp
-                            <option value="paystack" @selected(old('gateway_provider', $gateway?->provider ?? null) === 'paystack')>Paystack</option>
+                            <option value="">Ladill Pay (recommended)</option>
-                            <option value="flutterwave" @selected(old('gateway_provider', $gateway?->provider ?? null) === 'flutterwave')>Flutterwave</option>
+                            <option value="paystack" @selected($selectedGateway === 'paystack')>Paystack</option>
-                            <option value="hubtel" @selected(old('gateway_provider', $gateway?->provider ?? null) === 'hubtel')>Hubtel</option>
+                            <option value="flutterwave" @selected($selectedGateway === 'flutterwave')>Flutterwave</option>
+                            <option value="hubtel" @selected($selectedGateway === 'hubtel')>Hubtel</option>
                         </select>
                     </div>
                     <div class="grid gap-4 sm:grid-cols-2">
@@ -151,21 +156,21 @@
                     </div>
                     <label class="flex items-start gap-3 rounded-xl border border-slate-200 bg-slate-50 px-4 py-3">
                         <input type="hidden" name="gateway_is_active" value="0">
-                        <input type="checkbox" name="gateway_is_active" value="1" @checked(old('gateway_is_active', $gateway?->is_active ?? true)) class="mt-0.5 rounded border-slate-300 text-indigo-600 focus:ring-indigo-500">
+                        <input type="checkbox" name="gateway_is_active" value="1" @checked(old('gateway_is_active', $gateway?->is_active ?? false)) class="mt-0.5 rounded border-slate-300 text-indigo-600 focus:ring-indigo-500">
                         <span>
-                            <span class="block text-sm font-medium text-slate-800">Gateway enabled</span>
+                            <span class="block text-sm font-medium text-slate-800">Use my gateway instead of Ladill Pay</span>
-                            <span class="mt-0.5 block text-xs text-slate-500">Required for card / MoMo checkouts on the register.</span>
+                            <span class="mt-0.5 block text-xs text-slate-500">Optional. Invalid or incomplete credentials automatically fall back to Ladill Pay.</span>
                         </span>
                     </label>
                     @if ($gateway?->isConfigured())
                         <p class="rounded-xl bg-emerald-50 px-3 py-2 text-sm text-emerald-800">Gateway connected ({{ ucfirst($gateway->provider) }}).</p>
                     @else
-                        <p class="rounded-xl bg-amber-50 px-3 py-2 text-sm text-amber-800">Online checkouts stay disabled until a gateway is connected.</p>
+                        <p class="rounded-xl bg-slate-50 px-3 py-2 text-sm text-slate-700">Ladill Pay remains active. Add valid credentials only if you want direct owner-gateway settlement.</p>
                     @endif
                 @else
                     <div class="rounded-xl border border-indigo-100 bg-indigo-50 px-4 py-3 text-sm text-indigo-900">
                         <p class="font-medium">Your own payment gateway is a Pro feature</p>
-                        <p class="mt-1 text-indigo-800/80">Upgrade to Pro or Business to connect Paystack, Flutterwave, or Hubtel and take card / MoMo payments with 0% Ladill fee. Cash sales stay free.</p>
+                        <p class="mt-1 text-indigo-800/80">Free uses Ladill Pay automatically. Upgrade to optionally connect Paystack, Flutterwave, or Hubtel.</p>
                         <a href="{{ route('pos.pro.index') }}" class="mt-3 inline-flex text-sm font-semibold text-indigo-700 hover:text-indigo-900">View plans →</a>
                     </div>
                 @endif

tests/Feature/PosProTest.php

@@ -25,6 +25,8 @@ class PosProTest extends TestCase
             'pos.pro.price_minor' => 7900,
             'pos.plans.pro.price_minor' => 7900,
             'pos.plans.enterprise.price_minor' => 24900,
+            'pay.api_url' => 'https://ladill.com/api/pay',
+            'pay.api_key' => 'pos-pay-key',
         ]);
     }
 
@@ -107,6 +109,48 @@ class PosProTest extends TestCase
         );
     }
 
+    public function test_free_and_invalid_owner_gateway_fall_back_to_ladill_pay(): void
+    {
+        Http::fake(['*/api/pay/checkouts' => Http::response([
+            'reference' => 'LP-POS-FALLBACK',
+            'checkout_url' => 'https://checkout.paystack.com/fallback',
+        ], 201)]);
+        $user = $this->user();
+        \App\Models\PaymentGatewaySetting::create([
+            'owner_ref' => $user->public_id,
+            'provider' => 'paystack',
+            'public_key' => 'invalid',
+            'secret_key' => 'invalid',
+            'is_active' => true,
+        ]);
+
+        $result = app(\App\Services\Payments\MerchantGatewayService::class)->initializeCheckout(
+            $user, 1000, 'GHS', 'seller@example.com', 'https://pos.test/callback', 'POSP-OLD',
+        );
+
+        $this->assertSame('ladill_pay', $result['provider']);
+        $this->assertSame('LP-POS-FALLBACK', $result['reference']);
+    }
+
+    public function test_downgrade_disables_owner_gateway_without_deleting_credentials(): void
+    {
+        $user = $this->user();
+        ProSubscription::create([
+            'user_id' => $user->id, 'plan' => 'pro', 'status' => 'active',
+            'price_minor' => 7900, 'current_period_end' => now()->addMonth(),
+        ]);
+        $setting = \App\Models\PaymentGatewaySetting::create([
+            'owner_ref' => $user->public_id, 'provider' => 'paystack',
+            'public_key' => 'pk_test_saved', 'secret_key' => 'sk_test_saved', 'is_active' => true,
+        ]);
+        $this->assertTrue(app(\App\Services\Payments\MerchantGatewayService::class)->shouldUseOwnerGateway($user));
+
+        ProSubscription::where('user_id', $user->id)->update(['status' => 'past_due']);
+
+        $this->assertFalse(app(\App\Services\Payments\MerchantGatewayService::class)->shouldUseOwnerGateway($user->fresh()));
+        $this->assertDatabaseHas('payment_gateway_settings', ['id' => $setting->id, 'is_active' => true]);
+    }
+
     public function test_subscribe_enterprise_charges_wallet_and_activates(): void
     {
         Http::fake(['*/debit' => Http::response(['id' => 1], 201)]);