package payments import ( "context" "errors" "net/http" "crussell/internal/square" "crussell/mw" ) // verificationRequiredCodes are Square CreatePayment error codes that mean the // buyer must complete Strong Customer Authentication (3DS/SCA) before the // charge can succeed: Square is demanding a fresh verification_token from the // cardholder's buyer-verification flow. These are NOT plain declines — the // frontend must surface the SCA challenge (the banking app / banking-app // approval) and retry the charge with the resulting verification token. This // is the SINGLE authoritative list of SCA-challenge codes; keep it in lock-step // with the dev mock's simulated SCA toggle (square_dev.go). var verificationRequiredCodes = map[string]bool{ "CARD_DECLINED_VERIFICATION_REQUIRED": true, "VERIFICATION_TOKEN_EXPIRED": true, "VERIFICATION_TOKEN_INVALID": true, "MISSING_VERIFICATION_TOKEN": true, } // isVerificationRequiredError reports whether a SquareClient.CreatePayment // error is an SCA/verification-required rejection (the charge must be retried // through the buyer-verification flow with a fresh verification_token) rather // than a plain decline. Matches square.ErrorCode against the four SCA codes; // CVV_VERIFICATION_REQUIRED / ADDRESS_VERIFICATION_REQUIRED are deliberately // excluded — those mean re-entering card data, not a 3DS challenge. func isVerificationRequiredError(err error) bool { return verificationRequiredCodes[square.ErrorCode(err)] } // writeVerificationRequiredResponse responds 402 with the structured // verification_required body the frontend keys on to trigger the SCA challenge // flow (mirrors the overflow_tip_confirmation_required / campaign_fully_redeemed // structured-error pattern — mw.RespondJSON, code + human message). The message // tells the buyer to approve the payment in their banking app. Used both by the // charge-failure paths (Square returned an SCA-required code) and by the 2FA // gate when the SCA-only posture has no fallback for a token-less charge. func writeVerificationRequiredResponse(w http.ResponseWriter) { mw.RespondJSON(w, http.StatusPaymentRequired, map[string]string{ "error": "Your card issuer requires verification. Approve this payment in your banking app.", "code": "verification_required", }) } // chargeFailureStatus classifies a SquareClient.CreatePayment error into the // HTTP status a payment handler should return: // // - 503 (Service Unavailable) for AMBIGUOUS failures: transport/network // errors, Square 5xx responses, context cancellation/deadline, and the // retryable 4xx statuses 429 (rate limited), 408 (request timeout), and // 425 (too early) — the money state at Square is unknown, so the frontend // should treat it as a retry (the pending record is resumed on a same-key // retry). Square's own docs treat 429 as "retry later"; mapping it (or a // timeout/early request) to 402 would mislabel a retryable condition as a // permanent decline. // - 402 (Payment Required) for DEFINITIVE declines: a structured Square // error (squareAPIError) carrying any OTHER 4xx status (400/402/422 etc.) // means Square positively rejected the charge (card declined/expired, // AVS/CVV failure) — retrying with the same inputs cannot succeed. // // A nil error is never expected (callers only invoke this on the error path); // it maps to 402 defensively. The dev mock returns plain errors for simulated // failures, which classify as 503 (ambiguous) — correct for a mock standing in // for an unreachable Square. func chargeFailureStatus(err error) int { if err == nil { return http.StatusPaymentRequired } if errors.Is(err, context.DeadlineExceeded) || errors.Is(err, context.Canceled) { return http.StatusServiceUnavailable } status := square.ErrorStatusCode(err) if status == 0 || status >= 500 { return http.StatusServiceUnavailable } // Retryable/ambiguous 4xx carve-outs: 429 (RATE_LIMITED), 408 (request // timeout), and 425 (too early) are not definitive declines — Square's // docs tell clients to retry later. Classify them as 503 so the pending // record stays resumable on a same-key retry instead of being labelled a // permanent decline. True declines (400/402/422 etc.) fall through to 402. if status == http.StatusTooManyRequests || status == http.StatusRequestTimeout || status == http.StatusTooEarly { return http.StatusServiceUnavailable } if status >= 400 && status < 500 { return http.StatusPaymentRequired } // Anything else (1xx/2xx/3xx — impossible in practice, but defensive) is // AMBIGUOUS: the money state at Square is unknown, so the failure must be // retryable. The default is deliberately 503, never 402 — a definitive // decline classification on an ambiguous outcome would suppress the // same-key retry that resumes the pending record. return http.StatusServiceUnavailable }