Crussell/backend/handlers/payments/refunds_test.go

//go:build test && dev

package payments

import (
	"context"
	"fmt"
	"net/http"
	"sync"
	"testing"
	"time"

	"crussell/clock"
	"crussell/db"
	"crussell/internal/square"
	"crussell/testutils"
	"crussell/testutils/fixtures"
	"crussell/testutils/jwt"
)

// countingRefundClient wraps a square.SquareClient and records every
// RefundPayment call so tests can assert exactly-once charge-level refunds.
type countingRefundClient struct {
	square.SquareClient
	mu    sync.Mutex
	calls []square.RefundPaymentReq
}

func (c *countingRefundClient) RefundPayment(ctx context.Context, req square.RefundPaymentReq) (*square.RefundResult, error) {
	c.mu.Lock()
	c.calls = append(c.calls, req)
	c.mu.Unlock()
	return c.SquareClient.RefundPayment(ctx, req)
}

func (c *countingRefundClient) refundCalls() []square.RefundPaymentReq {
	c.mu.Lock()
	defer c.mu.Unlock()
	return append([]square.RefundPaymentReq(nil), c.calls...)
}

// ambiguousRefundClient simulates a transport-level failure (no sentinel
// error) — Square may or may not have processed the refund.
type ambiguousRefundClient struct {
	square.SquareClient
}

func (c *ambiguousRefundClient) RefundPayment(ctx context.Context, req square.RefundPaymentReq) (*square.RefundResult, error) {
	return nil, fmt.Errorf("network error: connection reset by peer")
}

// ListPaymentRefunds simulates the same transport failure so reconcile paths
// fail gracefully (log + nil) instead of panicking on the nil embedded client.
func (c *ambiguousRefundClient) ListPaymentRefunds(ctx context.Context, paymentID string, beginTime time.Time) ([]square.RefundResult, error) {
	return nil, fmt.Errorf("network error: connection reset by peer")
}

// reconcileErrorClient wraps a working SquareClient (so RefundPayment
// succeeds) but simulates a transport failure on ListPaymentRefunds — the
// reconcile, not the refund call, fails. Used to lock the tri-state error
// branch: an unknown reconcile state must leave rows pending.
type reconcileErrorClient struct {
	square.SquareClient
}

func (c *reconcileErrorClient) ListPaymentRefunds(ctx context.Context, paymentID string, beginTime time.Time) ([]square.RefundResult, error) {
	return nil, fmt.Errorf("network error: connection reset by peer")
}

// slowRefundClient delays the Square call so the manual RefundPayment handler
// holds its advisory lock long enough that a concurrent cancellation refund
// would race it without the D1 serialization locks.
type slowRefundClient struct {
	square.SquareClient
	delay time.Duration
}

func (c *slowRefundClient) RefundPayment(ctx context.Context, req square.RefundPaymentReq) (*square.RefundResult, error) {
	time.Sleep(c.delay)
	return c.SquareClient.RefundPayment(ctx, req)
}

// =============================================================================
// CalculateRefundForCancellation - Pure function tests
// =============================================================================

func TestCalculateRefundForCancellation_FullRefund_Over72h(t *testing.T) {
	t.Parallel()
	now := time.Date(2099, 12, 28, 8, 0, 0, 0, time.UTC)
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC) // >72h away

	result := CalculateRefundForCancellation(100, 50, now, start)

	if result.Tier != "full_refund_72h" {
		t.Errorf("expected tier 'full_refund_72h', got %q", result.Tier)
	}
	if result.RefundableAmount != 50 {
		t.Errorf("expected refundable 50, got %.2f", result.RefundableAmount)
	}
	if result.KeptAmount != 0 {
		t.Errorf("expected kept 0, got %.2f", result.KeptAmount)
	}
	if result.ProtectedDeposit != 50 {
		t.Errorf("expected protected deposit 50, got %.2f", result.ProtectedDeposit)
	}
}

func TestCalculateRefundForCancellation_PartialRefund_24to72h(t *testing.T) {
	now := time.Date(2099, 12, 30, 8, 0, 0, 0, time.UTC) // ~50h before
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)

	result := CalculateRefundForCancellation(100, 80, now, start)

	if result.Tier != "partial_refund_24h_72h" {
		t.Errorf("expected tier 'partial_refund_24h_72h', got %q", result.Tier)
	}
	// Protected deposit: min(80, 50) = 50
	// Refundable: 80 - 50 = 30
	if result.ProtectedDeposit != 50 {
		t.Errorf("expected protected deposit 50, got %.2f", result.ProtectedDeposit)
	}
	if result.RefundableAmount != 30 {
		t.Errorf("expected refundable 30, got %.2f", result.RefundableAmount)
	}
	if result.KeptAmount != 50 {
		t.Errorf("expected kept 50, got %.2f", result.KeptAmount)
	}
}

func TestCalculateRefundForCancellation_NoRefund_Under24h(t *testing.T) {
	now := time.Date(2099, 12, 31, 9, 0, 0, 0, time.UTC) // 1h before
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)

	result := CalculateRefundForCancellation(100, 100, now, start)

	if result.Tier != "no_refund_under_24h" {
		t.Errorf("expected tier 'no_refund_under_24h', got %q", result.Tier)
	}
	if result.RefundableAmount != 0 {
		t.Errorf("expected refundable 0, got %.2f", result.RefundableAmount)
	}
	if result.KeptAmount != 100 {
		t.Errorf("expected kept 100, got %.2f", result.KeptAmount)
	}
}

func TestCalculateRefundForCancellation_NoShow_KeptAll(t *testing.T) {
	now := time.Date(2099, 12, 31, 12, 0, 0, 0, time.UTC) // past start
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)

	result := CalculateRefundForCancellation(100, 50, now, start)

	if result.Tier != "no_refund_under_24h" {
		t.Errorf("expected tier 'no_refund_under_24h', got %q", result.Tier)
	}
	if result.RefundableAmount != 0 {
		t.Errorf("expected refundable 0 for no-show, got %.2f", result.RefundableAmount)
	}
}

func TestCalculateRefundForCancellation_ProtectedDepositCappedAt50Pct(t *testing.T) {
	now := time.Date(2099, 12, 30, 8, 0, 0, 0, time.UTC)
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)

	// Paid 200 on a 300 total — protected deposit caps at 150 (50% of 300)
	result := CalculateRefundForCancellation(300, 200, now, start)

	if result.ProtectedDeposit != 150 {
		t.Errorf("expected protected deposit 150 (50%% of 300), got %.2f", result.ProtectedDeposit)
	}
	if result.RefundableAmount != 50 {
		t.Errorf("expected refundable 50 (200-150), got %.2f", result.RefundableAmount)
	}
}

func TestCalculateRefundForCancellation_PaidLessThan50Pct(t *testing.T) {
	now := time.Date(2099, 12, 30, 8, 0, 0, 0, time.UTC)
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)

	// Paid 30 on a 200 total — protected deposit = min(30, 100) = 30
	result := CalculateRefundForCancellation(200, 30, now, start)

	if result.ProtectedDeposit != 30 {
		t.Errorf("expected protected deposit 30, got %.2f", result.ProtectedDeposit)
	}
	if result.RefundableAmount != 0 {
		t.Errorf("expected refundable 0 (30-30), got %.2f", result.RefundableAmount)
	}
}

func TestCalculateRefundForCancellation_Exact72hBoundary(t *testing.T) {
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)
	now := start.Add(-72 * time.Hour) // exactly 72h before (not >72)

	result := CalculateRefundForCancellation(100, 100, now, start)

	// Exactly 72h is NOT >72 — falls into partial refund tier
	if result.Tier != "partial_refund_24h_72h" {
		t.Errorf("expected partial refund at exactly 72h, got %q", result.Tier)
	}
}

func TestCalculateRefundForCancellation_Exact24hBoundary(t *testing.T) {
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)
	now := start.Add(-24 * time.Hour) // exactly 24h before

	result := CalculateRefundForCancellation(100, 100, now, start)

	// Exactly 24h should be >=24 — partial refund
	if result.Tier != "partial_refund_24h_72h" {
		t.Errorf("expected partial refund at exactly 24h, got %q", result.Tier)
	}
}

// =============================================================================
// ProcessCancellationRefund - Integration tests
// =============================================================================

func TestProcessCancellationRefund_CreatesRefundRecords(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	_, err = tx.Exec(ctx,
		"UPDATE bookings SET deposit_required = true WHERE id = $1", bookingID)
	if err != nil {
		t.Fatalf("failed to set deposit_required: %v", err)
	}

	// Add a completed payment
	_, err = fixtures.CreateTestPayment(tx, bookingID, 50, "online_square", "deposit", "completed")
	if err != nil {
		t.Fatalf("failed to create payment: %v", err)
	}

	// Cancel >72h before — full refund expected
	now := time.Date(2099, 12, 28, 8, 0, 0, 0, time.UTC)
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)

	result, err := ProcessCancellationRefund(ctx, bookingID, 50, 50, start, now, "client_cancelled", &userID)
	if err != nil {
		t.Fatalf("ProcessCancellationRefund failed: %v", err)
	}
	if result == nil {
		t.Fatal("expected non-nil result")
	}
	if result.RefundableAmount != 50 {
		t.Errorf("expected refundable 50, got %.2f", result.RefundableAmount)
	}

	// Check refund record was created
	var refundCount int
	tx.QueryRow(ctx,
		"SELECT COUNT(*) FROM refunds WHERE booking_id = $1", bookingID).Scan(&refundCount)
	if refundCount != 1 {
		t.Errorf("expected 1 refund record, got %d", refundCount)
	}
}

func TestProcessCancellationRefund_NoRefundWhenNotNeeded(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	// Cancel <24h before — refundable should be 0
	now := time.Date(2099, 12, 31, 9, 0, 0, 0, time.UTC)
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)

	result, err := ProcessCancellationRefund(ctx, bookingID, 100, 0, start, now, "no_show", &userID)
	if err != nil {
		t.Fatalf("ProcessCancellationRefund failed: %v", err)
	}
	if result == nil {
		t.Fatal("expected non-nil result")
	}
	if result.RefundableAmount != 0 {
		t.Errorf("expected refundable 0, got %.2f", result.RefundableAmount)
	}
}

func TestProcessCancellationRefund_NoPaymentsNoop(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)
	now := time.Date(2099, 12, 28, 8, 0, 0, 0, time.UTC)

	result, err := ProcessCancellationRefund(ctx, bookingID, 100, 0, start, now, "client_cancelled", &userID)
	if err != nil {
		t.Fatalf("ProcessCancellationRefund failed: %v", err)
	}
	if result.RefundableAmount != 0 {
		t.Errorf("expected refundable 0 when nothing paid, got %.2f", result.RefundableAmount)
	}

	var refundCount int
	tx.QueryRow(ctx,
		"SELECT COUNT(*) FROM refunds WHERE booking_id = $1", bookingID).Scan(&refundCount)
	if refundCount != 0 {
		t.Errorf("expected 0 refund records, got %d", refundCount)
	}
}

// =============================================================================
// ProcessCancellationRefund — gift card refund routing
// =============================================================================

func TestProcessCancellationRefund_GiftCardCreditsUserBalance(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	_, err = tx.Exec(ctx, "UPDATE bookings SET status = 'confirmed' WHERE id = $1", bookingID)
	if err != nil {
		t.Fatalf("failed to confirm booking: %v", err)
	}

	var giftCardID string
	if err := tx.QueryRow(ctx, `
		INSERT INTO gift_cards (total_funds_added, amount_remaining, created_by, is_inventory, expiry_date, last_used_at)
		VALUES (100, 40, $1, false, NULL, NOW())
		RETURNING id
	`, userID).Scan(&giftCardID); err != nil {
		t.Fatalf("failed to create gift card: %v", err)
	}

	var paymentID string
	if err := tx.QueryRow(ctx, `
		INSERT INTO payments (booking_id, payment_type, payment_method, status, amount, gift_card_id, created_at, updated_at)
		VALUES ($1, 'full', 'giftcard', 'completed', 60, $2, NOW(), NOW())
		RETURNING id
	`, bookingID, giftCardID).Scan(&paymentID); err != nil {
		t.Fatalf("failed to create giftcard payment: %v", err)
	}

	// Booking is far in the future — full refund.
	farFuture := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)
	result, err := ProcessCancellationRefund(
		ctx, bookingID, 100, 60,
		farFuture, clock.Now(), "client_cancelled", &userID,
	)
	if err != nil {
		t.Fatalf("ProcessCancellationRefund failed: %v", err)
	}
	if result.RefundableAmount != 60 {
		t.Errorf("expected refundable 60 (full refund >72h), got %.2f", result.RefundableAmount)
	}

	var amountRemaining float64
	err = tx.QueryRow(ctx,
		"SELECT amount_remaining FROM gift_cards WHERE id = $1", giftCardID).Scan(&amountRemaining)
	if err != nil {
		t.Fatalf("failed to query gift card balance: %v", err)
	}
	if amountRemaining != 100 {
		t.Errorf("expected gift card amount_remaining 100 (40 + 60), got %.2f", amountRemaining)
	}

	// Verify refund record exists (primary audit trail for cancellation refunds).
	var refundCount int
	err = tx.QueryRow(ctx,
		"SELECT COUNT(*) FROM refunds WHERE booking_id = $1", bookingID).Scan(&refundCount)
	if err != nil {
		t.Fatalf("failed to query refunds: %v", err)
	}
	if refundCount != 1 {
		t.Errorf("expected 1 refund record, got %d", refundCount)
	}

	var txCount int
	err = tx.QueryRow(ctx,
		"SELECT COUNT(*) FROM gift_card_transactions WHERE gift_card_id = $1 AND transaction_type = 'refund'", giftCardID).Scan(&txCount)
	if err != nil {
		t.Fatalf("failed to query gift card transactions: %v", err)
	}
	if txCount != 1 {
		t.Errorf("expected 1 gift card refund transaction, got %d", txCount)
	}
}

func TestProcessCancellationRefund_CashCreditsUserBalance(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	_, err = tx.Exec(ctx, "UPDATE bookings SET status = 'confirmed' WHERE id = $1", bookingID)
	if err != nil {
		t.Fatalf("failed to confirm booking: %v", err)
	}

	// Create a cash payment of 30.
	_, err = fixtures.CreateTestPayment(tx, bookingID, 30, "cash", "deposit", "completed")
	if err != nil {
		t.Fatalf("failed to create cash payment: %v", err)
	}

	farFuture := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)
	result, err := ProcessCancellationRefund(
		ctx, bookingID, 100, 30,
		farFuture, clock.Now(), "client_cancelled", &userID,
	)
	if err != nil {
		t.Fatalf("ProcessCancellationRefund failed: %v", err)
	}
	if result.RefundableAmount != 30 {
		t.Errorf("expected refundable 30, got %.2f", result.RefundableAmount)
	}

	// Verify user balance was credited.
	var balance float64
	err = tx.QueryRow(ctx,
		"SELECT COALESCE(balance, 0) FROM user_giftcard_balances WHERE user_id = $1", userID).Scan(&balance)
	if err != nil {
		t.Fatalf("failed to query balance: %v", err)
	}
	if balance != 30 {
		t.Errorf("expected user balance 30, got %.2f", balance)
	}
}

func TestProcessCancellationRefund_CardSquareRefundWithoutBalanceCredit(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	_, err = tx.Exec(ctx, "UPDATE bookings SET status = 'confirmed' WHERE id = $1", bookingID)
	if err != nil {
		t.Fatalf("failed to confirm booking: %v", err)
	}

	// Create an online_square payment — this will be handled by Square mock.
	_, err = fixtures.CreateTestPayment(tx, bookingID, 100, "online_square", "full", "completed")
	if err != nil {
		t.Fatalf("failed to create card payment: %v", err)
	}

	farFuture := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)
	result, err := ProcessCancellationRefund(
		ctx, bookingID, 100, 100,
		farFuture, clock.Now(), "client_cancelled", &userID,
	)
	if err != nil {
		t.Fatalf("ProcessCancellationRefund failed: %v", err)
	}
	if result.RefundableAmount != 100 {
		t.Errorf("expected refundable 100, got %.2f", result.RefundableAmount)
	}

	// Square API refund is processed AFTER the transaction commits (see
	// ProcessPendingSquareRefunds). In dev/test the payment has no
	// square_payment_id, so the pending cancellation refund can never be
	// issued via Square — it is marked "failed" (no API call possible) and
	// surfaced for in-person arrangement. No balance credit is generated.
	var status string
	err = tx.QueryRow(ctx, "SELECT status FROM refunds WHERE booking_id = $1", bookingID).Scan(&status)
	if err != nil {
		t.Fatalf("failed to query refund status: %v", err)
	}
	if status != "failed" {
		t.Errorf("expected refund status 'failed' (card refund with no Square reference), got %q", status)
	}

	// P1-B: the pre-pass must surface an admin_notifications row for the
	// affected booking (in-person arrangement needed).
	var notifCount int
	err = tx.QueryRow(ctx,
		`SELECT COUNT(*) FROM admin_notifications WHERE booking_id = $1 AND reason = 'refund_failed'`, bookingID).Scan(&notifCount)
	if err != nil {
		t.Fatalf("failed to query admin_notifications: %v", err)
	}
	if notifCount < 1 {
		t.Errorf("expected at least 1 admin_notification with reason 'refund_failed', got %d", notifCount)
	}

	// No balance credit should have been created (Square payment method uses
	// post-commit refund processing, not balance credits).
	var balance float64
	err = tx.QueryRow(ctx,
		"SELECT COALESCE(balance, 0) FROM user_giftcard_balances WHERE user_id = $1", userID).Scan(&balance)
	if err != nil {
		// No row = no balance credit — this is the expected outcome.
		// The refund was processed as a direct record, not a balance credit.
		t.Logf("no balance row (expected): %v", err)
	} else if balance > 0 {
		t.Errorf("expected no balance credit for Square payment, got %.2f", balance)
	}
}

// =============================================================================
// ProcessCancellationRefund — non-money payment methods (discount, on_the_house)
// =============================================================================

func TestProcessCancellationRefund_DiscountPaymentSkipped(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	_, err = tx.Exec(ctx, "UPDATE bookings SET status = 'confirmed' WHERE id = $1", bookingID)
	if err != nil {
		t.Fatalf("failed to confirm booking: %v", err)
	}

	// Create a discount payment (no real money exchanged).
	_, err = fixtures.CreateTestPayment(tx, bookingID, 20, "discount", "partial", "completed")
	if err != nil {
		t.Fatalf("failed to create discount payment: %v", err)
	}

	farFuture := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)
	result, err := ProcessCancellationRefund(
		ctx, bookingID, 100, 20,
		farFuture, clock.Now(), "client_cancelled", &userID,
	)
	if err != nil {
		t.Fatalf("ProcessCancellationRefund failed: %v", err)
	}
	if result.RefundableAmount != 20 {
		t.Errorf("expected refundable 20 (full refund >72h), got %.2f", result.RefundableAmount)
	}

	// Discount payments should NOT create a balance credit.
	var balance float64
	err = tx.QueryRow(ctx,
		"SELECT COALESCE(balance, 0) FROM user_giftcard_balances WHERE user_id = $1", userID).Scan(&balance)
	if err != nil {
		balance = 0
	}
	if balance != 0 {
		t.Errorf("expected no balance credit for discount payment, got %.2f", balance)
	}
}

func TestProcessCancellationRefund_OnTheHousePaymentSkipped(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	_, err = tx.Exec(ctx, "UPDATE bookings SET status = 'confirmed' WHERE id = $1", bookingID)
	if err != nil {
		t.Fatalf("failed to confirm booking: %v", err)
	}

	// Create an on_the_house payment (no real money exchanged).
	_, err = fixtures.CreateTestPayment(tx, bookingID, 100, "on_the_house", "full", "completed")
	if err != nil {
		t.Fatalf("failed to create on_the_house payment: %v", err)
	}

	farFuture := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)
	result, err := ProcessCancellationRefund(
		ctx, bookingID, 100, 100,
		farFuture, clock.Now(), "client_cancelled", &userID,
	)
	if err != nil {
		t.Fatalf("ProcessCancellationRefund failed: %v", err)
	}
	if result.RefundableAmount != 100 {
		t.Errorf("expected refundable 100 (full refund >72h), got %.2f", result.RefundableAmount)
	}

	// on_the_house payments should NOT create a balance credit.
	var balance float64
	err = tx.QueryRow(ctx,
		"SELECT COALESCE(balance, 0) FROM user_giftcard_balances WHERE user_id = $1", userID).Scan(&balance)
	if err != nil {
		balance = 0
	}
	if balance != 0 {
		t.Errorf("expected no balance credit for on_the_house payment, got %.2f", balance)
	}
}

// =============================================================================
// ProcessCancellationRefund — missing user_id edge case
// =============================================================================

func TestProcessCancellationRefund_MissingUserID_LogsWarning(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	_, err = tx.Exec(ctx, "UPDATE bookings SET status = 'confirmed' WHERE id = $1", bookingID)
	if err != nil {
		t.Fatalf("failed to confirm booking: %v", err)
	}

	// Create a cash payment.
	_, err = fixtures.CreateTestPayment(tx, bookingID, 50, "cash", "deposit", "completed")
	if err != nil {
		t.Fatalf("failed to create cash payment: %v", err)
	}

	// Set user_id to NULL on the booking to simulate a purged guest account.
	_, err = tx.Exec(ctx, "UPDATE bookings SET user_id = NULL WHERE id = $1", bookingID)
	if err != nil {
		t.Fatalf("failed to nullify booking user_id: %v", err)
	}

	farFuture := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)
	result, err := ProcessCancellationRefund(
		ctx, bookingID, 100, 50,
		farFuture, clock.Now(), "client_cancelled", nil,
	)
	if err != nil {
		t.Fatalf("ProcessCancellationRefund failed: %v", err)
	}
	if result.RefundableAmount != 50 {
		t.Errorf("expected refundable 50, got %.2f", result.RefundableAmount)
	}

	// Refund record should still be created even without user_id.
	var refundCount int
	err = tx.QueryRow(ctx,
		"SELECT COUNT(*) FROM refunds WHERE booking_id = $1", bookingID).Scan(&refundCount)
	if err != nil {
		t.Fatalf("failed to query refunds: %v", err)
	}
	if refundCount != 1 {
		t.Errorf("expected 1 refund record (user_id-less), got %d", refundCount)
	}
}

// =============================================================================
// ProcessCancellationRefund — guest users must NOT get balance credits
// =============================================================================

func TestProcessCancellationRefund_GuestGiftcardDoesNotCreditBalance(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	// Create a user and promote them to guest role.
	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}
	_, err = tx.Exec(ctx, "UPDATE users SET account_role = 'guest' WHERE id = $1", userID)
	if err != nil {
		t.Fatalf("failed to set guest role: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	_, err = tx.Exec(ctx, "UPDATE bookings SET status = 'confirmed' WHERE id = $1", bookingID)
	if err != nil {
		t.Fatalf("failed to confirm booking: %v", err)
	}

	// Create a gift card payment.
	_, err = fixtures.CreateTestPayment(tx, bookingID, 50, "giftcard", "deposit", "completed")
	if err != nil {
		t.Fatalf("failed to create giftcard payment: %v", err)
	}

	farFuture := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)
	result, err := ProcessCancellationRefund(
		ctx, bookingID, 100, 50,
		farFuture, clock.Now(), "client_cancelled", &userID,
	)
	if err != nil {
		t.Fatalf("ProcessCancellationRefund failed: %v", err)
	}
	if result.RefundableAmount != 50 {
		t.Errorf("expected refundable 50, got %.2f", result.RefundableAmount)
	}

	// Guest must NOT have a balance credit.
	var balance float64
	err = tx.QueryRow(ctx,
		"SELECT COALESCE(balance, 0) FROM user_giftcard_balances WHERE user_id = $1", userID).Scan(&balance)
	if err != nil {
		// No row means balance is 0 — this is the expected outcome.
		balance = 0
	}
	if balance != 0 {
		t.Errorf("expected guest balance 0 (guests do not receive balance credits), got %.2f", balance)
	}

	// Refund record should still exist.
	var refundCount int
	err = tx.QueryRow(ctx,
		"SELECT COUNT(*) FROM refunds WHERE booking_id = $1", bookingID).Scan(&refundCount)
	if err != nil {
		t.Fatalf("failed to query refunds: %v", err)
	}
	if refundCount != 1 {
		t.Errorf("expected 1 refund record for guest, got %d", refundCount)
	}
}

func TestProcessCancellationRefund_GuestCashDoesNotCreditBalance(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}
	_, err = tx.Exec(ctx, "UPDATE users SET account_role = 'guest' WHERE id = $1", userID)
	if err != nil {
		t.Fatalf("failed to set guest role: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	_, err = tx.Exec(ctx, "UPDATE bookings SET status = 'confirmed' WHERE id = $1", bookingID)
	if err != nil {
		t.Fatalf("failed to confirm booking: %v", err)
	}

	// Create a cash payment.
	_, err = fixtures.CreateTestPayment(tx, bookingID, 30, "cash", "full", "completed")
	if err != nil {
		t.Fatalf("failed to create cash payment: %v", err)
	}

	farFuture := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)
	result, err := ProcessCancellationRefund(
		ctx, bookingID, 100, 30,
		farFuture, clock.Now(), "client_cancelled", &userID,
	)
	if err != nil {
		t.Fatalf("ProcessCancellationRefund failed: %v", err)
	}
	if result.RefundableAmount != 30 {
		t.Errorf("expected refundable 30, got %.2f", result.RefundableAmount)
	}

	// Guest must NOT have a balance credit.
	var balance float64
	err = tx.QueryRow(ctx,
		"SELECT COALESCE(balance, 0) FROM user_giftcard_balances WHERE user_id = $1", userID).Scan(&balance)
	if err != nil {
		balance = 0
	}
	if balance != 0 {
		t.Errorf("expected guest balance 0 (guests do not receive balance credits), got %.2f", balance)
	}
}

// =============================================================================
// Refund with split payments — verify ONE Square refund per charge
// =============================================================================

func TestProcessCancellationRefund_SplitPayment_SingleSquareRefund(t *testing.T) {
	// When a single Square charge is split into 2 DB payment records (deposit + balance)
	// sharing the same square_payment_id, the refund loop must produce exactly ONE
	// Square refund covering the whole charge — never one per record, and never
	// one call plus a silent "completed" with no money moved.
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	_, err = tx.Exec(ctx, "UPDATE bookings SET status = 'confirmed' WHERE id = $1", bookingID)
	if err != nil {
		t.Fatalf("failed to confirm booking: %v", err)
	}

	sameSquareID := "sqp_split_dedup_test"
	now := clock.Now()

	// Create 2 payment records sharing the same square_payment_id — simulating a
	// split charge where one Square payment was recorded as deposit + balance.
	svc := NewPaymentService()

	_, err = svc.CreatePaymentRecord(ctx, PaymentRecord{
		BookingID:       bookingID,
		PaymentType:     "deposit",
		PaymentMethod:   "online_square",
		Status:          "completed",
		Amount:          25.00,
		SquarePaymentID: &sameSquareID,
		CreatedAt:       now,
		UpdatedAt:       now,
	}, nil)
	if err != nil {
		t.Fatalf("failed to create deposit record: %v", err)
	}

	_, err = svc.CreatePaymentRecord(ctx, PaymentRecord{
		BookingID:       bookingID,
		PaymentType:     "balance",
		PaymentMethod:   "online_square",
		Status:          "completed",
		Amount:          25.00,
		SquarePaymentID: &sameSquareID,
		CreatedAt:       now,
		UpdatedAt:       now,
	}, nil)
	if err != nil {
		t.Fatalf("failed to create balance record: %v", err)
	}

	// Commit the setup: ProcessCancellationRefund acquires pg_advisory_xact_lock
	// on the card payments, and in the test env those locks would be held by the
	// outer per-test transaction (savepoints don't release xact locks) — which
	// would deadlock the post-commit sweep's session locks. Running at pool level
	// mirrors production, where the cancellation tx commits and releases the locks.
	pgxTx := db.TxFromContext(ctx)
	if pgxTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := pgxTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit test tx: %v", err)
	}
	freshCtx := context.Background()

	origClient := SquareClient
	counting := &countingRefundClient{SquareClient: square.NewDevClient()}
	SquareClient = counting
	defer func() { SquareClient = origClient }()

	// Cancel 72+ hours before → full refund of £50.
	farFuture := time.Date(2099, 12, 28, 8, 0, 0, 0, time.UTC)
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)

	result, err := ProcessCancellationRefund(
		freshCtx, bookingID, 100, 50,
		start, farFuture, "client_cancelled", &userID,
	)
	if err != nil {
		t.Fatalf("ProcessCancellationRefund failed: %v", err)
	}
	if result.RefundableAmount != 50 {
		t.Errorf("expected refundable 50, got %.2f", result.RefundableAmount)
	}

	// Exactly ONE Square call for the charge — the aggregated amount, keyed
	// by the stable charge-level idempotency key.
	calls := counting.refundCalls()
	if len(calls) != 1 {
		t.Fatalf("expected exactly 1 Square refund call for the charge, got %d", len(calls))
	}
	if calls[0].Amount != 5000 {
		t.Errorf("expected aggregated Square refund of 5000 pence, got %d", calls[0].Amount)
	}
	if calls[0].IdempotencyKey != sameSquareID+"-square-agg" {
		t.Errorf("expected charge-level idempotency key %q, got %q", sameSquareID+"-square-agg", calls[0].IdempotencyKey)
	}

	// Both refund records must be completed and share ONE square_refund_id —
	// the old bug left one record completed with square_refund_id NULL (no
	// money moved for it).
	var refundCount int
	err = db.Conn.QueryRow(freshCtx,
		"SELECT COUNT(*) FROM refunds WHERE booking_id = $1", bookingID).Scan(&refundCount)
	if err != nil {
		t.Fatalf("failed to query refunds: %v", err)
	}
	if refundCount != 2 {
		t.Errorf("expected 2 refund records, got %d", refundCount)
	}

	rows, err := db.Conn.Query(freshCtx, `
		SELECT amount, status, square_refund_id FROM refunds WHERE booking_id = $1 ORDER BY amount
	`, bookingID)
	if err != nil {
		t.Fatalf("failed to query refund rows: %v", err)
	}
	defer rows.Close()

	var refundIDs []string
	refundCount = 0
	for rows.Next() {
		var amount float64
		var status string
		var sqRefundID *string
		if err := rows.Scan(&amount, &status, &sqRefundID); err != nil {
			t.Fatalf("failed to scan refund row: %v", err)
		}
		refundCount++
		if amount != 25.00 {
			t.Errorf("expected refund amount 25.00, got %.2f", amount)
		}
		if status != "completed" {
			t.Errorf("expected refund status 'completed', got %q", status)
		}
		if sqRefundID == nil || *sqRefundID == "" {
			t.Error("expected square_refund_id to be set — the old bug left it NULL with money not moved")
		} else {
			refundIDs = append(refundIDs, *sqRefundID)
		}
	}
	if refundCount != 2 {
		t.Errorf("expected 2 refund rows, got %d", refundCount)
	}
	if len(refundIDs) == 2 && refundIDs[0] != refundIDs[1] {
		t.Errorf("expected both records to share the SAME square_refund_id, got %q and %q", refundIDs[0], refundIDs[1])
	}
}

// =============================================================================
// ProcessPendingSquareRefunds — post-commit Square refund processing
// =============================================================================

// TestProcessPendingSquareRefunds_ProcessesPendingRecords verifies that
// ProcessPendingSquareRefunds resolves a pending cancellation card refund whose
// payment has NO square_payment_id: it can never be refunded via Square, so it
// is marked "failed" (terminal pre-pass) rather than silently completed.
func TestProcessPendingSquareRefunds_ProcessesPendingRecords(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	_, err = tx.Exec(ctx, "UPDATE bookings SET status = 'confirmed' WHERE id = $1", bookingID)
	if err != nil {
		t.Fatalf("failed to confirm booking: %v", err)
	}

	// Create an online_square payment
	_, err = fixtures.CreateTestPayment(tx, bookingID, 50, "online_square", "full", "completed")
	if err != nil {
		t.Fatalf("failed to create card payment: %v", err)
	}

	// Manually insert a "pending" refund record (simulating what ProcessCancellationRefundTx creates)
	_, err = tx.Exec(ctx, `
		INSERT INTO refunds (payment_id, booking_id, amount, status, reason, origin, created_at)
		SELECT id, $1, amount, 'pending', 'client_cancelled', 'cancellation', NOW()
		FROM payments WHERE booking_id = $1 AND payment_method = 'online_square'
	`, bookingID)
	if err != nil {
		t.Fatalf("failed to insert pending refund: %v", err)
	}

	// Commit the test transaction so the refund records are persisted.
	pgxTx := db.TxFromContext(ctx)
	if pgxTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := pgxTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit test tx: %v", err)
	}

	// Use a fresh context (no closed transaction) so db.Conn falls through to pool.
	freshCtx := context.Background()

	// Now call the post-commit function
	ProcessPendingSquareRefunds(freshCtx, bookingID, "client_cancelled")

	// The card refund has no Square reference — it must be marked failed.
	var status string
	err = db.Conn.QueryRow(freshCtx, `SELECT status FROM refunds WHERE booking_id = $1`, bookingID).Scan(&status)
	if err != nil {
		t.Fatalf("failed to query refund status: %v", err)
	}
	if status != "failed" {
		t.Errorf("expected refund status 'failed' (no square_payment_id), got %q", status)
	}
}

// TestProcessPendingSquareRefunds_SkipsCompletedRecords verifies that
// ProcessPendingSquareRefunds does not modify already-completed refunds.
func TestProcessPendingSquareRefunds_SkipsCompletedRecords(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	// Create a payment first
	var paymentID string
	err = tx.QueryRow(ctx, `
		INSERT INTO payments (booking_id, amount, payment_method, payment_type, status)
		VALUES ($1, 50, 'cash', 'full', 'completed') RETURNING id
	`, bookingID).Scan(&paymentID)
	if err != nil {
		t.Fatalf("failed to create payment: %v", err)
	}

	// Insert a "completed" refund directly (simulating non-Square refund path)
	_, err = tx.Exec(ctx, `
		INSERT INTO refunds (payment_id, booking_id, amount, status, reason, created_at)
		VALUES ($1, $2, 50, 'completed', 'cash_refund', NOW())
	`, paymentID, bookingID)
	if err != nil {
		t.Fatalf("failed to insert completed refund: %v", err)
	}

	pgxTx := db.TxFromContext(ctx)
	if pgxTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := pgxTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit test tx: %v", err)
	}

	freshCtx := context.Background()
	ProcessPendingSquareRefunds(freshCtx, bookingID, "client_cancelled")

	// Verify the completed refund was left untouched
	var status string
	err = db.Conn.QueryRow(freshCtx, `SELECT status FROM refunds WHERE booking_id = $1`, bookingID).Scan(&status)
	if err != nil {
		t.Fatalf("failed to query refund status: %v", err)
	}
	if status != "completed" {
		t.Errorf("expected existing status 'completed', got %q", status)
	}
}

// TestProcessPendingSquareRefunds_IssuesRefundWithSquareCall verifies that a
// pending cancellation refund on a card charge with a square_payment_id is
// actually issued to Square (real API call) and completed with the returned
// square_refund_id. The charge-level idempotency key is used for the call.
func TestProcessPendingSquareRefunds_IssuesRefundWithSquareCall(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	// Create an online_square payment with a square_payment_id so the scheduler
	// calls the mock.
	paymentID, err := fixtures.CreateTestPayment(tx, bookingID, 25.00, "online_square", "deposit", "completed")
	if err != nil {
		t.Fatalf("failed to create card payment: %v", err)
	}
	_, err = tx.Exec(ctx, "UPDATE payments SET square_payment_id = 'sqp_stored_key' WHERE id = $1", paymentID)
	if err != nil {
		t.Fatalf("failed to set square_payment_id: %v", err)
	}

	// Seed a pending CANCELLATION refund with a stored idempotency key.
	storedKey := paymentID + "-square-2500"
	var refundID string
	err = tx.QueryRow(ctx, `
		INSERT INTO refunds (payment_id, booking_id, amount, status, reason, idempotency_key, origin, created_at)
		VALUES ($1, $2, 25, 'pending', 'client_cancelled', $3, 'cancellation', NOW())
		RETURNING id
	`, paymentID, bookingID, storedKey).Scan(&refundID)
	if err != nil {
		t.Fatalf("failed to insert pending refund: %v", err)
	}

	// Commit the test tx so the refund rows persist (scheduler reads via pool).
	pgxTx := db.TxFromContext(ctx)
	if pgxTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := pgxTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit test tx: %v", err)
	}

	freshCtx := context.Background()
	ProcessPendingSquareRefunds(freshCtx, bookingID, "client_cancelled")

	// The refund must be completed with a square_refund_id — the Square call
	// happened (with the stable charge-level idempotency key).
	var status string
	var squareRefundID *string
	err = db.Conn.QueryRow(freshCtx, `SELECT status, square_refund_id FROM refunds WHERE id = $1`, refundID).Scan(&status, &squareRefundID)
	if err != nil {
		t.Fatalf("failed to query refund: %v", err)
	}
	if status != "completed" {
		t.Errorf("expected refund status 'completed', got %q", status)
	}
	if squareRefundID == nil || *squareRefundID == "" {
		t.Error("expected square_refund_id to be set (Square was called)")
	}
}

// TestProcessPendingSquareRefunds_SameChargePending_IssuesRefund verifies that
// a pending cancellation refund on a split record sharing a square_payment_id
// with an already-completed manual refund is ISSUED (money moved) for the
// residual — the amount-blind suppression (the P0 bug) would have marked it
// completed with no money moving.
func TestProcessPendingSquareRefunds_SameChargePending_IssuesRefund(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	// Split payment records sharing one square_payment_id (deposit + balance).
	depositID, err := fixtures.CreateTestPayment(tx, bookingID, 25.00, "online_square", "deposit", "completed")
	if err != nil {
		t.Fatalf("failed to create deposit payment: %v", err)
	}
	balanceID, err := fixtures.CreateTestPayment(tx, bookingID, 25.00, "online_square", "balance", "completed")
	if err != nil {
		t.Fatalf("failed to create balance payment: %v", err)
	}
	sameSquareID := "sqp_same_charge_pending"
	_, err = tx.Exec(ctx, "UPDATE payments SET square_payment_id = $1 WHERE id IN ($2, $3)", sameSquareID, depositID, balanceID)
	if err != nil {
		t.Fatalf("failed to set square_payment_id: %v", err)
	}

	// A completed MANUAL refund on the deposit record (money already moved back).
	_, err = tx.Exec(ctx, `
		INSERT INTO refunds (payment_id, booking_id, amount, status, reason, square_refund_id, idempotency_key, origin, created_at)
		VALUES ($1, $2, 25, 'completed', 'manual refund', 'ref_seeded', $3, 'manual', NOW())
	`, depositID, bookingID, depositID+"-refund-2500")
	if err != nil {
		t.Fatalf("failed to insert completed refund: %v", err)
	}

	// A pending CANCELLATION refund on the balance record sharing the charge.
	_, err = tx.Exec(ctx, `
		INSERT INTO refunds (payment_id, booking_id, amount, status, reason, idempotency_key, origin, created_at)
		VALUES ($1, $2, 25, 'pending', 'client_cancelled', $3, 'cancellation', NOW())
	`, balanceID, bookingID, balanceID+"-square-2500")
	if err != nil {
		t.Fatalf("failed to insert pending refund: %v", err)
	}

	// Commit the test tx so the refund rows persist (scheduler reads via pool).
	pgxTx := db.TxFromContext(ctx)
	if pgxTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := pgxTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit test tx: %v", err)
	}

	origClient := SquareClient
	counting := &countingRefundClient{SquareClient: square.NewDevClient()}
	SquareClient = counting
	defer func() { SquareClient = origClient }()

	freshCtx := context.Background()
	ProcessPendingSquareRefunds(freshCtx, bookingID, "client_cancelled")

	// The residual £25 must be ISSUED — a real Square call happens (the old
	// amount-blind suppression marked it completed with NO money moved).
	calls := counting.refundCalls()
	if len(calls) != 1 {
		t.Fatalf("expected exactly 1 Square refund call for the residual, got %d", len(calls))
	}
	if calls[0].Amount != 2500 {
		t.Errorf("expected Square refund of 2500 pence (the residual), got %d", calls[0].Amount)
	}
	if calls[0].IdempotencyKey != sameSquareID+"-square-agg" {
		t.Errorf("expected charge-level idempotency key %q, got %q", sameSquareID+"-square-agg", calls[0].IdempotencyKey)
	}

	// The balance pending refund must be completed WITH a square_refund_id —
	// money moved, NOT left NULL.
	var status string
	var squareRefundID *string
	err = db.Conn.QueryRow(freshCtx, `SELECT status, square_refund_id FROM refunds WHERE payment_id = $1`, balanceID).Scan(&status, &squareRefundID)
	if err != nil {
		t.Fatalf("failed to query refund: %v", err)
	}
	if status != "completed" {
		t.Errorf("expected balance refund status 'completed', got %q", status)
	}
	if squareRefundID == nil || *squareRefundID == "" {
		t.Error("expected square_refund_id to be set (money moved) — the P0 bug left it NULL")
	}

	// The completed manual refund is untouched.
	var manualStatus string
	err = db.Conn.QueryRow(freshCtx, `SELECT status FROM refunds WHERE payment_id = $1`, depositID).Scan(&manualStatus)
	if err != nil {
		t.Fatalf("failed to query manual refund: %v", err)
	}
	if manualStatus != "completed" {
		t.Errorf("expected manual refund status 'completed', got %q", manualStatus)
	}
}

// =============================================================================
// ProcessCancellationRefundTx — transactional variant
// =============================================================================

func TestProcessCancellationRefundTx_Success(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)
	innerTx := db.TxFromContext(ctx)
	if innerTx == nil {
		t.Fatal("no transaction in context")
	}

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	_, err = tx.Exec(ctx, "UPDATE bookings SET deposit_required = true WHERE id = $1", bookingID)
	if err != nil {
		t.Fatalf("failed to set deposit_required: %v", err)
	}

	// Add a completed cash payment.
	_, err = fixtures.CreateTestPayment(tx, bookingID, 50, "cash", "deposit", "completed")
	if err != nil {
		t.Fatalf("failed to create payment: %v", err)
	}

	// Cancel >72h before — full refund expected.
	now := time.Date(2099, 12, 28, 8, 0, 0, 0, time.UTC)
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)

	result, err := ProcessCancellationRefundTx(ctx, innerTx, bookingID, 50, 50, start, now, "client_cancelled", &userID, false)
	if err != nil {
		t.Fatalf("ProcessCancellationRefundTx failed: %v", err)
	}
	if result == nil {
		t.Fatal("expected non-nil result")
	}
	if result.RefundableAmount != 50 {
		t.Errorf("expected refundable 50, got %.2f", result.RefundableAmount)
	}

	// Check refund record was created.
	var refundCount int
	err = tx.QueryRow(ctx,
		"SELECT COUNT(*) FROM refunds WHERE booking_id = $1", bookingID).Scan(&refundCount)
	if err != nil {
		t.Fatalf("failed to query refunds: %v", err)
	}
	if refundCount != 1 {
		t.Errorf("expected 1 refund record, got %d", refundCount)
	}

	// Check refund was recorded in the inner transaction (the record is visible
	// because ProcessCancellationRefundTx writes to the same tx).
	var refundAmount float64
	err = innerTx.QueryRow(ctx,
		"SELECT amount FROM refunds WHERE booking_id = $1", bookingID).Scan(&refundAmount)
	if err != nil {
		t.Fatalf("failed to query refund amount: %v", err)
	}
	if refundAmount != 50 {
		t.Errorf("expected refund amount 50, got %.2f", refundAmount)
	}
}

func TestProcessCancellationRefundTx_NoRefundNeeded(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)
	innerTx := db.TxFromContext(ctx)
	if innerTx == nil {
		t.Fatal("no transaction in context")
	}

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	// Cancel <24h before no-show — refundable should be 0.
	now := time.Date(2099, 12, 31, 12, 0, 0, 0, time.UTC)
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)

	result, err := ProcessCancellationRefundTx(ctx, innerTx, bookingID, 100, 0, start, now, "no_show", &userID, false)
	if err != nil {
		t.Fatalf("ProcessCancellationRefundTx failed: %v", err)
	}
	if result == nil {
		t.Fatal("expected non-nil result")
	}
	if result.RefundableAmount != 0 {
		t.Errorf("expected refundable 0, got %.2f", result.RefundableAmount)
	}

	// No refund records should be created.
	var refundCount int
	err = tx.QueryRow(ctx,
		"SELECT COUNT(*) FROM refunds WHERE booking_id = $1", bookingID).Scan(&refundCount)
	if err != nil {
		t.Fatalf("failed to query refunds: %v", err)
	}
	if refundCount != 0 {
		t.Errorf("expected 0 refund records, got %d", refundCount)
	}
}

// TestProcessCancellationRefund_DoubleCancel_FailedRow_Dedups locks the P3a fix:
// a second cancel whose prior refund row is 'failed' (money never moved at
// Square, so the residual is recomputed in full) must NOT crash on the UNIQUE
// idempotency_key. The ON CONFLICT DO NOTHING dedup skips the INSERT without
// creating a duplicate row and without touching the original 'failed' row.
func TestProcessCancellationRefund_DoubleCancel_FailedRow_Dedups(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)
	innerTx := db.TxFromContext(ctx)
	if innerTx == nil {
		t.Fatal("no transaction in context")
	}

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	// >72h before the appointment → full refund.
	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	paymentID, err := fixtures.CreateTestPayment(tx, bookingID, 50, "online_square", "full", "completed")
	if err != nil {
		t.Fatalf("failed to create payment: %v", err)
	}
	// Square-backed payment (not Square-less) so the row is recorded 'pending'
	// with the deterministic idempotency key paymentID-square-5000.
	_, err = tx.Exec(ctx, "UPDATE payments SET square_payment_id = $1 WHERE id = $2", "sqp_double_cancel", paymentID)
	if err != nil {
		t.Fatalf("failed to set square_payment_id: %v", err)
	}

	now := time.Date(2099, 12, 28, 8, 0, 0, 0, time.UTC)
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)

	// First cancel creates the pending refund row with the deterministic key.
	result, err := ProcessCancellationRefundTx(ctx, innerTx, bookingID, 50, 50, start, now, "client_cancelled", &userID, false)
	if err != nil {
		t.Fatalf("first ProcessCancellationRefundTx failed: %v", err)
	}
	if result == nil || result.RefundableAmount != 50 {
		t.Fatalf("expected full refund of 50, got %+v", result)
	}

	var rowCount int
	err = tx.QueryRow(ctx, "SELECT COUNT(*) FROM refunds WHERE payment_id = $1", paymentID).Scan(&rowCount)
	if err != nil {
		t.Fatalf("failed to count refund rows after first cancel: %v", err)
	}
	if rowCount != 1 {
		t.Fatalf("expected 1 refund row after first cancel, got %d", rowCount)
	}
	var rowKey string
	err = tx.QueryRow(ctx, "SELECT idempotency_key FROM refunds WHERE payment_id = $1", paymentID).Scan(&rowKey)
	if err != nil {
		t.Fatalf("failed to query refund idempotency_key: %v", err)
	}
	if rowKey != paymentID+"-square-5000" {
		t.Fatalf("expected idempotency_key %q, got %q", paymentID+"-square-5000", rowKey)
	}

	// Simulate the sweep failing all 3 attempts: the row flips to 'failed'.
	// 'failed' is deliberately excluded from the residual sum (money never
	// moved at Square), so a second cancel recomputes the FULL residual and
	// attempts to INSERT the same idempotency key again.
	_, err = tx.Exec(ctx, "UPDATE refunds SET status = 'failed' WHERE payment_id = $1", paymentID)
	if err != nil {
		t.Fatalf("failed to flip refund row to failed: %v", err)
	}

	// Second cancel: same payment, same amount, same key. The ON CONFLICT
	// (idempotency_key) DO NOTHING must dedup — no error, no duplicate row,
	// and the original 'failed' row untouched.
	if _, err := ProcessCancellationRefundTx(ctx, innerTx, bookingID, 50, 50, start, now, "client_cancelled", &userID, false); err != nil {
		t.Fatalf("second ProcessCancellationRefundTx failed: %v", err)
	}

	err = tx.QueryRow(ctx, "SELECT COUNT(*) FROM refunds WHERE payment_id = $1", paymentID).Scan(&rowCount)
	if err != nil {
		t.Fatalf("failed to count refund rows after second cancel: %v", err)
	}
	if rowCount != 1 {
		t.Errorf("expected exactly 1 refund row after dedup, got %d", rowCount)
	}
	var rowStatus string
	err = tx.QueryRow(ctx, "SELECT status FROM refunds WHERE payment_id = $1", paymentID).Scan(&rowStatus)
	if err != nil {
		t.Fatalf("failed to query refund status: %v", err)
	}
	if rowStatus != "failed" {
		t.Errorf("expected original row still 'failed' (untouched), got %q", rowStatus)
	}
}

// =============================================================================
// CreateRefundRecord — PaymentService method
// =============================================================================

func TestCreateRefundRecord_Success(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBooking(tx, userID, serviceID)
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	paymentID, err := fixtures.CreateTestPayment(tx, bookingID, 50.00, "cash", "full", "completed")
	if err != nil {
		t.Fatalf("failed to create payment: %v", err)
	}

	svc := NewPaymentService()
	now := clock.Now()
	refundID, err := svc.CreateRefundRecord(ctx, RefundRecord{
		PaymentID: paymentID,
		BookingID: bookingID,
		Amount:    25.00,
		Status:    "completed",
		Reason:    "partial refund",
		CreatedBy: &userID,
		CreatedAt: now,
	})
	if err != nil {
		t.Fatalf("CreateRefundRecord failed: %v", err)
	}
	if refundID == "" {
		t.Fatal("expected non-empty refund ID")
	}

	// Verify the refund record exists in the DB.
	var storedAmount float64
	var storedStatus string
	err = tx.QueryRow(ctx,
		"SELECT amount, status FROM refunds WHERE id = $1", refundID).Scan(&storedAmount, &storedStatus)
	if err != nil {
		t.Fatalf("failed to query refund: %v", err)
	}
	if storedAmount != 25.00 {
		t.Errorf("expected amount 25.00, got %.2f", storedAmount)
	}
	if storedStatus != "completed" {
		t.Errorf("expected status 'completed', got %q", storedStatus)
	}
}

func TestCreateRefundRecord_WithSquareRefundID(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBooking(tx, userID, serviceID)
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	paymentID, err := fixtures.CreateTestPayment(tx, bookingID, 100.00, "online_square", "full", "completed")
	if err != nil {
		t.Fatalf("failed to create payment: %v", err)
	}

	squareRefundID := "sqr_test_refund_123"
	svc := NewPaymentService()
	now := clock.Now()
	refundID, err := svc.CreateRefundRecord(ctx, RefundRecord{
		PaymentID:      paymentID,
		BookingID:      bookingID,
		Amount:         100.00,
		SquareRefundID: &squareRefundID,
		Status:         "completed",
		Reason:         "full square refund",
		CreatedBy:      &userID,
		CreatedAt:      now,
	})
	if err != nil {
		t.Fatalf("CreateRefundRecord failed: %v", err)
	}
	if refundID == "" {
		t.Fatal("expected non-empty refund ID")
	}

	// Verify the square_refund_id was stored.
	var storedSquareRefundID *string
	err = tx.QueryRow(ctx,
		"SELECT square_refund_id FROM refunds WHERE id = $1", refundID).Scan(&storedSquareRefundID)
	if err != nil {
		t.Fatalf("failed to query refund: %v", err)
	}
	if storedSquareRefundID == nil || *storedSquareRefundID != squareRefundID {
		t.Errorf("expected square_refund_id %q, got %v", squareRefundID, storedSquareRefundID)
	}
}

func TestCreateRefundRecord_NilCreatedBy(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	// Need a user for the booking.
	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	bookingID, err := fixtures.CreateTestBooking(tx, userID, serviceID)
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	paymentID, err := fixtures.CreateTestPayment(tx, bookingID, 30.00, "cash", "partial", "completed")
	if err != nil {
		t.Fatalf("failed to create payment: %v", err)
	}

	svc := NewPaymentService()
	now := clock.Now()
	refundID, err := svc.CreateRefundRecord(ctx, RefundRecord{
		PaymentID: paymentID,
		BookingID: bookingID,
		Amount:    30.00,
		Status:    "completed",
		Reason:    "refund without actor",
		CreatedBy: nil,
		CreatedAt: now,
	})
	if err != nil {
		t.Fatalf("CreateRefundRecord failed: %v", err)
	}
	if refundID == "" {
		t.Fatal("expected non-empty refund ID")
	}

	// Verify created_by is NULL.
	var storedCreatedBy *string
	err = tx.QueryRow(ctx,
		"SELECT created_by FROM refunds WHERE id = $1", refundID).Scan(&storedCreatedBy)
	if err != nil {
		t.Fatalf("failed to query refund: %v", err)
	}
	if storedCreatedBy != nil {
		t.Errorf("expected created_by NULL, got %q", *storedCreatedBy)
	}
}

// =============================================================================
// Charge-level aggregation & sweep tests
// =============================================================================

// TestProcessPendingSquareRefunds_SplitCharge_OneAggregateRefund verifies the
// P0 fix: two pending refund rows sharing one square_payment_id produce ONE
// Square refund of the aggregate amount, and both rows complete with the SAME
// square_refund_id (never one row completed with money unmoved).
func TestProcessPendingSquareRefunds_SplitCharge_OneAggregateRefund(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	// Split payment records sharing one square_payment_id.
	depositID, err := fixtures.CreateTestPayment(tx, bookingID, 25.00, "online_square", "deposit", "completed")
	if err != nil {
		t.Fatalf("failed to create deposit payment: %v", err)
	}
	balanceID, err := fixtures.CreateTestPayment(tx, bookingID, 25.00, "online_square", "balance", "completed")
	if err != nil {
		t.Fatalf("failed to create balance payment: %v", err)
	}
	sameSquareID := "sqp_aggregate_split"
	_, err = tx.Exec(ctx, "UPDATE payments SET square_payment_id = $1 WHERE id IN ($2, $3)", sameSquareID, depositID, balanceID)
	if err != nil {
		t.Fatalf("failed to set square_payment_id: %v", err)
	}

	// Two pending cancellation refunds (deposit £25 + balance £25).
	for _, pid := range []string{depositID, balanceID} {
		_, err = tx.Exec(ctx, `
			INSERT INTO refunds (payment_id, booking_id, amount, status, reason, idempotency_key, origin, created_at)
			VALUES ($1, $2, 25, 'pending', 'client_cancelled', $3, 'cancellation', NOW())
		`, pid, bookingID, pid+"-square-2500")
		if err != nil {
			t.Fatalf("failed to insert pending refund: %v", err)
		}
	}

	pgxTx := db.TxFromContext(ctx)
	if pgxTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := pgxTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit test tx: %v", err)
	}

	origClient := SquareClient
	counting := &countingRefundClient{SquareClient: square.NewDevClient()}
	SquareClient = counting
	defer func() { SquareClient = origClient }()

	freshCtx := context.Background()
	ProcessPendingSquareRefunds(freshCtx, bookingID, "client_cancelled")

	calls := counting.refundCalls()
	if len(calls) != 1 {
		t.Fatalf("expected exactly 1 Square refund call for the charge, got %d", len(calls))
	}
	if calls[0].Amount != 5000 {
		t.Errorf("expected aggregated amount 5000 pence (25+25), got %d", calls[0].Amount)
	}
	if calls[0].IdempotencyKey != sameSquareID+"-square-agg" {
		t.Errorf("expected idempotency key %q, got %q", sameSquareID+"-square-agg", calls[0].IdempotencyKey)
	}

	// Both rows completed with the same square_refund_id, amounts preserved.
	rows, err := db.Conn.Query(freshCtx, `
		SELECT amount, status, square_refund_id FROM refunds WHERE booking_id = $1 ORDER BY amount
	`, bookingID)
	if err != nil {
		t.Fatalf("failed to query refunds: %v", err)
	}
	defer rows.Close()
	var sqIDs []string
	count := 0
	for rows.Next() {
		var amount float64
		var status string
		var sqID *string
		if err := rows.Scan(&amount, &status, &sqID); err != nil {
			t.Fatalf("failed to scan refund row: %v", err)
		}
		count++
		if amount != 25.00 {
			t.Errorf("expected amount 25.00 preserved, got %.2f", amount)
		}
		if status != "completed" {
			t.Errorf("expected status 'completed', got %q", status)
		}
		if sqID == nil || *sqID == "" {
			t.Error("expected square_refund_id set (money moved)")
		} else {
			sqIDs = append(sqIDs, *sqID)
		}
	}
	if count != 2 {
		t.Errorf("expected 2 refund rows, got %d", count)
	}
	if len(sqIDs) == 2 && sqIDs[0] != sqIDs[1] {
		t.Errorf("expected both rows to share the SAME square_refund_id, got %q and %q", sqIDs[0], sqIDs[1])
	}
}

// TestSweepPendingSquareRefunds_NullSquareRef_NoReference_MarksFailed verifies
// the sweep's terminal pre-pass: a pending cancellation card refund with NO
// square_payment_id can never be refunded via Square — it is marked failed.
func TestSweepPendingSquareRefunds_NullSquareRef_NoReference_MarksFailed(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	// online_square payment with square_payment_id NULL (fixture default).
	paymentID, err := fixtures.CreateTestPayment(tx, bookingID, 50.00, "online_square", "full", "completed")
	if err != nil {
		t.Fatalf("failed to create card payment: %v", err)
	}

	_, err = tx.Exec(ctx, `
		INSERT INTO refunds (payment_id, booking_id, amount, status, reason, origin, created_at)
		VALUES ($1, $2, 50, 'pending', 'client_cancelled', 'cancellation', NOW())
	`, paymentID, bookingID)
	if err != nil {
		t.Fatalf("failed to insert pending refund: %v", err)
	}

	pgxTx := db.TxFromContext(ctx)
	if pgxTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := pgxTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit test tx: %v", err)
	}

	origClient := SquareClient
	counting := &countingRefundClient{SquareClient: square.NewDevClient()}
	SquareClient = counting
	defer func() { SquareClient = origClient }()

	freshCtx := context.Background()
	if _, err := SweepPendingSquareRefunds(freshCtx); err != nil {
		t.Fatalf("SweepPendingSquareRefunds failed: %v", err)
	}

	var status string
	err = db.Conn.QueryRow(freshCtx, `SELECT status FROM refunds WHERE payment_id = $1`, paymentID).Scan(&status)
	if err != nil {
		t.Fatalf("failed to query refund status: %v", err)
	}
	if status != "failed" {
		t.Errorf("expected refund status 'failed', got %q", status)
	}

	if calls := counting.refundCalls(); len(calls) != 0 {
		t.Errorf("expected NO Square calls (no square_payment_id), got %d", len(calls))
	}

	// P1-B: the terminal pre-pass must surface an admin_notifications row for
	// the affected booking (in-person arrangement needed).
	var notifCount int
	err = db.Conn.QueryRow(freshCtx,
		`SELECT COUNT(*) FROM admin_notifications WHERE booking_id = $1 AND reason = 'refund_failed'`, bookingID).Scan(&notifCount)
	if err != nil {
		t.Fatalf("failed to query admin_notifications: %v", err)
	}
	if notifCount < 1 {
		t.Errorf("expected at least 1 admin_notification with reason 'refund_failed', got %d", notifCount)
	}
}

// TestSweepPendingSquareRefunds_AttemptsExhausted_NotProcessed verifies that a
// pending refund row already at the 3-attempt cap is never processed by the
// sweep: it is filtered out (refund_attempts < 3), no Square call happens, and
// its status is left untouched.
func TestSweepPendingSquareRefunds_AttemptsExhausted_NotProcessed(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	paymentID, err := fixtures.CreateTestPayment(tx, bookingID, 50.00, "online_square", "full", "completed")
	if err != nil {
		t.Fatalf("failed to create card payment: %v", err)
	}
	_, err = tx.Exec(ctx, "UPDATE payments SET square_payment_id = 'sqp_attempts_exhausted' WHERE id = $1", paymentID)
	if err != nil {
		t.Fatalf("failed to set square_payment_id: %v", err)
	}

	// Pending cancellation refund already at the 3-attempt cap.
	_, err = tx.Exec(ctx, `
		INSERT INTO refunds (payment_id, booking_id, amount, status, reason, origin, refund_attempts, created_at)
		VALUES ($1, $2, 50, 'pending', 'client_cancelled', 'cancellation', 3, NOW())
	`, paymentID, bookingID)
	if err != nil {
		t.Fatalf("failed to insert pending refund: %v", err)
	}

	pgxTx := db.TxFromContext(ctx)
	if pgxTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := pgxTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit test tx: %v", err)
	}

	origClient := SquareClient
	counting := &countingRefundClient{SquareClient: square.NewDevClient()}
	SquareClient = counting
	defer func() { SquareClient = origClient }()

	freshCtx := context.Background()
	if _, err := SweepPendingSquareRefunds(freshCtx); err != nil {
		t.Fatalf("SweepPendingSquareRefunds failed: %v", err)
	}

	var status string
	var attempts int
	err = db.Conn.QueryRow(freshCtx, `SELECT status, refund_attempts FROM refunds WHERE payment_id = $1`, paymentID).Scan(&status, &attempts)
	if err != nil {
		t.Fatalf("failed to query refund: %v", err)
	}
	if status != "pending" {
		t.Errorf("expected status untouched ('pending'), got %q", status)
	}
	if attempts != 3 {
		t.Errorf("expected refund_attempts untouched (3), got %d", attempts)
	}
	if calls := counting.refundCalls(); len(calls) != 0 {
		t.Errorf("expected NO Square calls for an attempts=3 row, got %d", len(calls))
	}
}

// TestProcessPendingSquareRefunds_Declined_ThreeAttempts_Failed verifies the
// definitive-decline path: each run increments refund_attempts, and the third
// run marks the rows failed.
func TestProcessPendingSquareRefunds_Declined_ThreeAttempts_Failed(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	paymentID, err := fixtures.CreateTestPayment(tx, bookingID, 25.00, "online_square", "deposit", "completed")
	if err != nil {
		t.Fatalf("failed to create card payment: %v", err)
	}
	_, err = tx.Exec(ctx, "UPDATE payments SET square_payment_id = 'sqp_declined' WHERE id = $1", paymentID)
	if err != nil {
		t.Fatalf("failed to set square_payment_id: %v", err)
	}

	_, err = tx.Exec(ctx, `
		INSERT INTO refunds (payment_id, booking_id, amount, status, reason, origin, created_at)
		VALUES ($1, $2, 25, 'pending', 'client_cancelled', 'cancellation', NOW())
	`, paymentID, bookingID)
	if err != nil {
		t.Fatalf("failed to insert pending refund: %v", err)
	}

	pgxTx := db.TxFromContext(ctx)
	if pgxTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := pgxTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit test tx: %v", err)
	}

	origClient := SquareClient
	mock := square.NewDevClient().(*square.MockClient)
	mock.FailRefundCode = "REFUND_DECLINED"
	SquareClient = mock
	defer func() { SquareClient = origClient }()

	freshCtx := context.Background()

	// Run 1 and 2: attempts increment, row stays pending.
	ProcessPendingSquareRefunds(freshCtx, bookingID, "client_cancelled")
	ProcessPendingSquareRefunds(freshCtx, bookingID, "client_cancelled")

	var status string
	var attempts int
	err = db.Conn.QueryRow(freshCtx, `SELECT status, refund_attempts FROM refunds WHERE payment_id = $1`, paymentID).Scan(&status, &attempts)
	if err != nil {
		t.Fatalf("failed to query refund: %v", err)
	}
	if attempts != 2 {
		t.Errorf("expected refund_attempts 2 after two declined runs, got %d", attempts)
	}
	if status != "pending" {
		t.Errorf("expected status 'pending' before the cap is hit, got %q", status)
	}

	// Run 3: cap hit → failed.
	ProcessPendingSquareRefunds(freshCtx, bookingID, "client_cancelled")
	err = db.Conn.QueryRow(freshCtx, `SELECT status, refund_attempts FROM refunds WHERE payment_id = $1`, paymentID).Scan(&status, &attempts)
	if err != nil {
		t.Fatalf("failed to query refund: %v", err)
	}
	if status != "failed" {
		t.Errorf("expected status 'failed' after 3 declined runs, got %q", status)
	}
	if attempts != 3 {
		t.Errorf("expected refund_attempts 3 after three declined runs, got %d", attempts)
	}
}

// TestProcessPendingSquareRefunds_Ambiguous_ThreeAttempts_StaysPendingOnReconcileError
// verifies the tri-state reconcile under the ambiguous path (plain transport
// error): the row is retried up to the 3-attempt cap, and on the run that hits
// the cap the reconcile against Square ALSO fails (same transport failure) — an
// unknown state. The row MUST stay 'pending' (NOT 'failed', which would let the
// over-refund guard exclude money that may have moved) and NO admin_notification
// is inserted; the next sweep retries the reconcile.
func TestProcessPendingSquareRefunds_Ambiguous_ThreeAttempts_StaysPendingOnReconcileError(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	paymentID, err := fixtures.CreateTestPayment(tx, bookingID, 25.00, "online_square", "deposit", "completed")
	if err != nil {
		t.Fatalf("failed to create card payment: %v", err)
	}
	_, err = tx.Exec(ctx, "UPDATE payments SET square_payment_id = 'sqp_ambiguous' WHERE id = $1", paymentID)
	if err != nil {
		t.Fatalf("failed to set square_payment_id: %v", err)
	}

	_, err = tx.Exec(ctx, `
		INSERT INTO refunds (payment_id, booking_id, amount, status, reason, origin, created_at)
		VALUES ($1, $2, 25, 'pending', 'client_cancelled', 'cancellation', NOW())
	`, paymentID, bookingID)
	if err != nil {
		t.Fatalf("failed to insert pending refund: %v", err)
	}

	pgxTx := db.TxFromContext(ctx)
	if pgxTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := pgxTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit test tx: %v", err)
	}

	origClient := SquareClient
	SquareClient = &ambiguousRefundClient{}
	defer func() { SquareClient = origClient }()

	freshCtx := context.Background()
	for i := 0; i < 3; i++ {
		ProcessPendingSquareRefunds(freshCtx, bookingID, "client_cancelled")
	}

	var status string
	var attempts int
	err = db.Conn.QueryRow(freshCtx, `SELECT status, refund_attempts FROM refunds WHERE payment_id = $1`, paymentID).Scan(&status, &attempts)
	if err != nil {
		t.Fatalf("failed to query refund: %v", err)
	}
	if status != "pending" {
		t.Errorf("expected status 'pending' after 3 ambiguous runs with a failing reconcile, got %q", status)
	}
	if attempts != 3 {
		t.Errorf("expected refund_attempts 3 after three ambiguous runs, got %d", attempts)
	}

	// The terminal failure must NOT fire: the reconcile returned a network
	// error (unknown state), so the row stays pending and no admin
	// notification is inserted.
	var notifCount int
	err = db.Conn.QueryRow(freshCtx,
		`SELECT COUNT(*) FROM admin_notifications WHERE booking_id = $1 AND reason = 'refund_failed'`, bookingID).Scan(&notifCount)
	if err != nil {
		t.Fatalf("failed to query admin_notifications: %v", err)
	}
	if notifCount != 0 {
		t.Errorf("expected NO admin_notification with reason 'refund_failed' (reconcile error leaves rows pending), got %d", notifCount)
	}
}

// TestProcessPendingSquareRefunds_PartialManualThenCancel_IssuesResidual
// verifies the per-record prior-refund subtraction: after a £30 manual refund
// on the deposit record, a £70 cancellation refund issues the residual (£20
// deposit + £50 balance) as ONE aggregate £70 Square refund.
func TestProcessPendingSquareRefunds_PartialManualThenCancel_IssuesResidual(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}

	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}

	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	_, err = tx.Exec(ctx, "UPDATE bookings SET status = 'confirmed' WHERE id = $1", bookingID)
	if err != nil {
		t.Fatalf("failed to confirm booking: %v", err)
	}

	sameSquareID := "sqp_residual"
	svc := NewPaymentService()
	now := clock.Now()

	depositID, err := svc.CreatePaymentRecord(ctx, PaymentRecord{
		BookingID:       bookingID,
		PaymentType:     "deposit",
		PaymentMethod:   "online_square",
		Status:          "completed",
		Amount:          50.00,
		SquarePaymentID: &sameSquareID,
		CreatedAt:       now,
		UpdatedAt:       now,
	}, nil)
	if err != nil {
		t.Fatalf("failed to create deposit record: %v", err)
	}

	_, err = svc.CreatePaymentRecord(ctx, PaymentRecord{
		BookingID:       bookingID,
		PaymentType:     "balance",
		PaymentMethod:   "online_square",
		Status:          "completed",
		Amount:          50.00,
		SquarePaymentID: &sameSquareID,
		CreatedAt:       now,
		UpdatedAt:       now,
	}, nil)
	if err != nil {
		t.Fatalf("failed to create balance record: %v", err)
	}

	// £30 manually refunded on the deposit record (completed, origin='manual').
	_, err = tx.Exec(ctx, `
		INSERT INTO refunds (payment_id, booking_id, amount, status, reason, square_refund_id, idempotency_key, origin, created_at)
		VALUES ($1, $2, 30, 'completed', 'manual refund', 'ref_manual_30', $3, 'manual', NOW())
	`, depositID, bookingID, depositID+"-refund-3000")
	if err != nil {
		t.Fatalf("failed to insert manual refund: %v", err)
	}

	// Commit the setup: ProcessCancellationRefund acquires pg_advisory_xact_lock
	// on the card payments, and in the test env those locks would be held by the
	// outer per-test transaction (savepoints don't release xact locks) — which
	// would deadlock the post-commit sweep's session locks. Running at pool level
	// mirrors production, where the cancellation tx commits and releases the locks.
	pgxTx := db.TxFromContext(ctx)
	if pgxTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := pgxTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit test tx: %v", err)
	}
	freshCtx := context.Background()

	origClient := SquareClient
	counting := &countingRefundClient{SquareClient: square.NewDevClient()}
	SquareClient = counting
	defer func() { SquareClient = origClient }()

	// Cancel >72h before with net paid £70 (after the £30 manual refund).
	// Refundable = £70 → the loop must only issue the residual.
	farFuture := time.Date(2099, 12, 28, 8, 0, 0, 0, time.UTC)
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)
	result, err := ProcessCancellationRefund(
		freshCtx, bookingID, 100, 70,
		start, farFuture, "client_cancelled", &userID,
	)
	if err != nil {
		t.Fatalf("ProcessCancellationRefund failed: %v", err)
	}
	if result.RefundableAmount != 70 {
		t.Errorf("expected refundable 70, got %.2f", result.RefundableAmount)
	}

	calls := counting.refundCalls()
	if len(calls) != 1 {
		t.Fatalf("expected exactly 1 Square refund call for the residual, got %d", len(calls))
	}
	if calls[0].Amount != 7000 {
		t.Errorf("expected aggregated residual of 7000 pence (£70), got %d", calls[0].Amount)
	}
	if calls[0].IdempotencyKey != sameSquareID+"-square-agg" {
		t.Errorf("expected idempotency key %q, got %q", sameSquareID+"-square-agg", calls[0].IdempotencyKey)
	}

	// Two pending rows created for the residual: deposit £20 + balance £50.
	rows, err := db.Conn.Query(freshCtx, `
		SELECT amount, status, origin FROM refunds
		WHERE booking_id = $1 AND origin = 'cancellation' ORDER BY amount
	`, bookingID)
	if err != nil {
		t.Fatalf("failed to query cancellation refunds: %v", err)
	}
	defer rows.Close()
	var amounts []float64
	count := 0
	for rows.Next() {
		var amount float64
		var status, origin string
		if err := rows.Scan(&amount, &status, &origin); err != nil {
			t.Fatalf("failed to scan refund row: %v", err)
		}
		count++
		amounts = append(amounts, amount)
		if status != "completed" {
			t.Errorf("expected status 'completed', got %q", status)
		}
	}
	if count != 2 {
		t.Fatalf("expected 2 cancellation refund rows, got %d", count)
	}
	if amounts[0] != 20.00 || amounts[1] != 50.00 {
		t.Errorf("expected residual amounts £20 + £50, got %.2f + %.2f", amounts[0], amounts[1])
	}

	// The manual refund row is untouched.
	var manualStatus string
	var manualAmount float64
	err = db.Conn.QueryRow(freshCtx, "SELECT status, amount FROM refunds WHERE idempotency_key = $1", depositID+"-refund-3000").Scan(&manualStatus, &manualAmount)
	if err != nil {
		t.Fatalf("failed to query manual refund: %v", err)
	}
	if manualStatus != "completed" {
		t.Errorf("expected manual refund status 'completed', got %q", manualStatus)
	}
	if manualAmount != 30.00 {
		t.Errorf("expected manual refund amount 30.00, got %.2f", manualAmount)
	}
}

// =============================================================================
// D1 — cancellation loop serializes against a concurrent manual refund
// =============================================================================

// TestCancellationRefund_SerializesAgainstManualRefund proves the D1 fix: the
// cancellation refund loop acquires the same per-payment advisory locks as the
// manual RefundPayment handler, so the two can never BOTH read zero prior
// refunds and both refund the same payment. Without the locks, a manual refund
// whose guard read happens before the cancellation tx commits over-refunds the
// payment by the full amount. The manual handler's Square call is slowed so the
// window is wide enough that the racy interleaving would occur without the fix.
func TestCancellationRefund_SerializesAgainstManualRefund(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)
	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}
	adminID, err := fixtures.CreateTestAdminUser(tx)
	if err != nil {
		t.Fatalf("failed to create admin user: %v", err)
	}
	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}
	start := time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC)
	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID, start)
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}
	paymentID, err := fixtures.CreateTestPayment(tx, bookingID, 100, "online_square", "full", "completed")
	if err != nil {
		t.Fatalf("failed to create payment: %v", err)
	}
	_, err = tx.Exec(ctx, "UPDATE payments SET square_payment_id = 'sqp_serialize' WHERE id = $1", paymentID)
	if err != nil {
		t.Fatalf("failed to set square_payment_id: %v", err)
	}
	// Commit the setup so both goroutines operate at pool level — the advisory
	// locks only serialize across independent connections, and a per-test tx
	// would route one side's reads through a single shared connection.
	innerTx := db.TxFromContext(ctx)
	if innerTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := innerTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit setup tx: %v", err)
	}

	origClient := SquareClient
	slow := &slowRefundClient{SquareClient: square.NewDevClient(), delay: 300 * time.Millisecond}
	SquareClient = slow
	defer func() { SquareClient = origClient }()

	pool := context.Background()
	adminToken := jwt.GenerateTestToken(adminID, "admin")
	req := RefundRequest{Amount: 10000, Reason: "customer request"}

	var wg sync.WaitGroup
	startBoth := make(chan struct{})
	var manualCode int
	var manualErr, cancelErr error

	wg.Add(1)
	go func() {
		defer wg.Done()
		<-startBoth
		rec := makePaymentRequest(RefundPayment, "POST", "/api/admin/payments/"+paymentID+"/refund", req, adminToken, pool)
		manualCode = rec.Code
	}()

	wg.Add(1)
	go func() {
		defer wg.Done()
		<-startBoth
		cancelTx, err := db.Conn.Pool().Begin(pool)
		if err != nil {
			cancelErr = err
			return
		}
		defer func() {
			// Rollback is a no-op after a successful commit.
			_ = cancelTx.Rollback(pool)
		}()
		if _, err := ProcessCancellationRefundTx(pool, cancelTx, bookingID, 100, 100, start, clock.Now(), "client_cancelled", &userID, false); err != nil {
			cancelErr = err
			return
		}
		cancelErr = cancelTx.Commit(pool)
	}()
	close(startBoth)
	wg.Wait()

	if manualErr != nil {
		t.Fatalf("manual refund goroutine failed: %v", manualErr)
	}
	if cancelErr != nil {
		t.Fatalf("cancellation goroutine failed: %v", cancelErr)
	}

	// Manual outcome: 200 (manual won, cancellation created no row) or 400
	// (cancellation's committed pending row blocked the manual over-refund).
	if manualCode != http.StatusOK && manualCode != http.StatusBadRequest {
		t.Errorf("expected manual refund 200 (won) or 400 (blocked by cancellation), got %d", manualCode)
	}

	// Money-correctness invariant: at most ONE refund row resolves the payment
	// and the total never exceeds the £100 payment.
	var refundCount int
	err = db.Conn.QueryRow(pool,
		`SELECT COUNT(*) FROM refunds WHERE payment_id = $1 AND status IN ('completed','pending')`, paymentID).Scan(&refundCount)
	if err != nil {
		t.Fatalf("failed to count refunds: %v", err)
	}
	if refundCount > 1 {
		t.Errorf("over-refund: %d refund rows for a single £100 payment", refundCount)
	}
	var refundedPence int64
	err = db.Conn.QueryRow(pool,
		`SELECT COALESCE(SUM(ROUND(amount * 100)), 0)::bigint FROM refunds WHERE payment_id = $1 AND status IN ('completed','pending')`, paymentID).Scan(&refundedPence)
	if err != nil {
		t.Fatalf("failed to sum refunds: %v", err)
	}
	if refundedPence > 10000 {
		t.Errorf("over-refund: %d pence refunded on a 10000-pence payment", refundedPence)
	}
}

// =============================================================================
// D2 — the sweep retries stale MANUAL pending refunds with their own key
// =============================================================================

// TestSweepPendingSquareRefunds_RetriesStaleManualRefund verifies the D2 fix:
// a manual refund left 'pending' by the handler's ambiguous-error path is
// retried by the sweep with the row's OWN stored idempotency key (never the
// -square-agg key), and resolves to completed.
func TestSweepPendingSquareRefunds_RetriesStaleManualRefund(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}
	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}
	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	paymentID, err := fixtures.CreateTestPayment(tx, bookingID, 50.00, "online_square", "full", "completed")
	if err != nil {
		t.Fatalf("failed to create card payment: %v", err)
	}
	_, err = tx.Exec(ctx, "UPDATE payments SET square_payment_id = 'sqp_manual_retry' WHERE id = $1", paymentID)
	if err != nil {
		t.Fatalf("failed to set square_payment_id: %v", err)
	}

	storedKey := paymentID + "-refund-5000"
	var refundID string
	err = tx.QueryRow(ctx, `
		INSERT INTO refunds (payment_id, booking_id, amount, status, reason, idempotency_key, origin, created_at)
		VALUES ($1, $2, 50, 'pending', 'customer request', $3, 'manual', NOW())
		RETURNING id
	`, paymentID, bookingID, storedKey).Scan(&refundID)
	if err != nil {
		t.Fatalf("failed to insert stale manual pending refund: %v", err)
	}

	pgxTx := db.TxFromContext(ctx)
	if pgxTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := pgxTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit test tx: %v", err)
	}

	origClient := SquareClient
	counting := &countingRefundClient{SquareClient: square.NewDevClient()}
	SquareClient = counting
	defer func() { SquareClient = origClient }()

	freshCtx := context.Background()
	// The sweep processes the whole shared test database — clear any pending
	// rows left by earlier sequential tests (e.g. the D1 concurrency test when
	// the cancellation won) so the call count below is deterministic.
	if _, err := db.Conn.Exec(freshCtx, `DELETE FROM refunds WHERE status = 'pending' AND id <> $1`, refundID); err != nil {
		t.Fatalf("failed to clean leftover pending refunds: %v", err)
	}
	if _, err := SweepPendingSquareRefunds(freshCtx); err != nil {
		t.Fatalf("SweepPendingSquareRefunds failed: %v", err)
	}

	calls := counting.refundCalls()
	if len(calls) != 1 {
		t.Fatalf("expected exactly 1 Square refund call for the stale manual refund, got %d", len(calls))
	}
	if calls[0].IdempotencyKey != storedKey {
		t.Errorf("expected the row's OWN stored idempotency key %q, got %q", storedKey, calls[0].IdempotencyKey)
	}
	if calls[0].Amount != 5000 {
		t.Errorf("expected refund of 5000 pence, got %d", calls[0].Amount)
	}
	if calls[0].PaymentID != "sqp_manual_retry" {
		t.Errorf("expected Square payment id sqp_manual_retry, got %q", calls[0].PaymentID)
	}

	var status string
	var squareRefundID *string
	err = db.Conn.QueryRow(freshCtx, `SELECT status, square_refund_id FROM refunds WHERE id = $1`, refundID).Scan(&status, &squareRefundID)
	if err != nil {
		t.Fatalf("failed to query refund: %v", err)
	}
	if status != "completed" {
		t.Errorf("expected refund status 'completed', got %q", status)
	}
	if squareRefundID == nil || *squareRefundID == "" {
		t.Error("expected square_refund_id to be set")
	}
}

// =============================================================================
// D3 — the 23h age guard reconciles against Square before marking failed
// =============================================================================

// TestProcessPendingSquareRefunds_AgeGuard_ReconcilesCompletedRefund verifies
// the D3 fix: an aged pending refund (>23h) whose money actually moved at
// Square (pre-seeded COMPLETED refund via MockClient) is resolved to completed
// instead of failed — no new Square call is issued, and the square_refund_id
// matches the refund Square already recorded.
func TestProcessPendingSquareRefunds_AgeGuard_ReconcilesCompletedRefund(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}
	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}
	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	paymentID, err := fixtures.CreateTestPayment(tx, bookingID, 25.00, "online_square", "deposit", "completed")
	if err != nil {
		t.Fatalf("failed to create card payment: %v", err)
	}
	_, err = tx.Exec(ctx, "UPDATE payments SET square_payment_id = 'sqp_age_reconcile' WHERE id = $1", paymentID)
	if err != nil {
		t.Fatalf("failed to set square_payment_id: %v", err)
	}

	var refundID string
	err = tx.QueryRow(ctx, `
		INSERT INTO refunds (payment_id, booking_id, amount, status, reason, origin, created_at)
		VALUES ($1, $2, 25, 'pending', 'client_cancelled', 'cancellation', NOW() - INTERVAL '25 hours')
		RETURNING id
	`, paymentID, bookingID).Scan(&refundID)
	if err != nil {
		t.Fatalf("failed to insert aged pending refund: %v", err)
	}

	pgxTx := db.TxFromContext(ctx)
	if pgxTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := pgxTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit test tx: %v", err)
	}

	origClient := SquareClient
	mock := square.NewDevClient().(*square.MockClient)
	// Pre-seed the COMPLETED refund Square recorded for this charge — the exact
	// amount, same payment. This simulates the money already having moved.
	seeded, err := mock.RefundPayment(context.Background(), square.RefundPaymentReq{
		PaymentID:      "sqp_age_reconcile",
		Amount:         2500,
		IdempotencyKey: "seed-age-guard",
		Reason:         "client_cancelled",
	})
	if err != nil {
		t.Fatalf("failed to seed completed Square refund: %v", err)
	}
	counting := &countingRefundClient{SquareClient: mock}
	SquareClient = counting
	defer func() { SquareClient = origClient }()

	freshCtx := context.Background()
	ProcessPendingSquareRefunds(freshCtx, bookingID, "client_cancelled")

	var status string
	var squareRefundID *string
	err = db.Conn.QueryRow(freshCtx, `SELECT status, square_refund_id FROM refunds WHERE id = $1`, refundID).Scan(&status, &squareRefundID)
	if err != nil {
		t.Fatalf("failed to query refund: %v", err)
	}
	if status != "completed" {
		t.Errorf("expected aged refund resolved to 'completed' (money moved at Square), got %q", status)
	}
	if squareRefundID == nil || *squareRefundID != seeded.ID {
		t.Errorf("expected square_refund_id %q (the refund Square recorded), got %v", seeded.ID, squareRefundID)
	}

	// The reconcile must NOT have re-issued a new Square refund.
	if calls := counting.refundCalls(); len(calls) != 0 {
		t.Errorf("expected NO new Square refund call during reconcile, got %d", len(calls))
	}
}

// TestProcessPendingSquareRefunds_AgeGuard_ReconcileError_LeavesPending locks
// the tri-state reconcile error branch: an aged pending refund (>23h) whose
// reconcile against Square FAILS (network error) must stay 'pending' — NOT
// 'failed', which would let the over-refund guard exclude money that may have
// moved at Square. The charge-level refund must NOT be re-issued either.
func TestProcessPendingSquareRefunds_AgeGuard_ReconcileError_LeavesPending(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}
	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}
	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	paymentID, err := fixtures.CreateTestPayment(tx, bookingID, 25.00, "online_square", "deposit", "completed")
	if err != nil {
		t.Fatalf("failed to create card payment: %v", err)
	}
	_, err = tx.Exec(ctx, "UPDATE payments SET square_payment_id = 'sqp_age_reconcile_error' WHERE id = $1", paymentID)
	if err != nil {
		t.Fatalf("failed to set square_payment_id: %v", err)
	}

	_, err = tx.Exec(ctx, `
		INSERT INTO refunds (payment_id, booking_id, amount, status, reason, origin, created_at)
		VALUES ($1, $2, 25, 'pending', 'client_cancelled', 'cancellation', NOW() - INTERVAL '25 hours')
	`, paymentID, bookingID)
	if err != nil {
		t.Fatalf("failed to insert aged pending refund: %v", err)
	}

	pgxTx := db.TxFromContext(ctx)
	if pgxTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := pgxTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit test tx: %v", err)
	}

	origClient := SquareClient
	recErr := &reconcileErrorClient{SquareClient: square.NewDevClient()}
	counting := &countingRefundClient{SquareClient: recErr}
	SquareClient = counting
	defer func() { SquareClient = origClient }()

	freshCtx := context.Background()
	ProcessPendingSquareRefunds(freshCtx, bookingID, "client_cancelled")

	var status string
	var attempts int
	err = db.Conn.QueryRow(freshCtx, `SELECT status, refund_attempts FROM refunds WHERE payment_id = $1`, paymentID).Scan(&status, &attempts)
	if err != nil {
		t.Fatalf("failed to query refund: %v", err)
	}
	if status != "pending" {
		t.Errorf("expected aged refund left 'pending' (reconcile error = unknown state), got %q", status)
	}
	if attempts != 0 {
		t.Errorf("expected refund_attempts untouched (0) when the reconcile fails before any refund call, got %d", attempts)
	}

	// The reconcile error must NOT have fired a charge-level Square refund.
	if calls := counting.refundCalls(); len(calls) != 0 {
		t.Errorf("expected NO Square refund call when the reconcile fails, got %d", len(calls))
	}

	// No admin notification — the row was not marked failed.
	var notifCount int
	err = db.Conn.QueryRow(freshCtx,
		`SELECT COUNT(*) FROM admin_notifications WHERE booking_id = $1 AND reason = 'refund_failed'`, bookingID).Scan(&notifCount)
	if err != nil {
		t.Fatalf("failed to query admin_notifications: %v", err)
	}
	if notifCount != 0 {
		t.Errorf("expected NO admin_notification with reason 'refund_failed' (reconcile error leaves rows pending), got %d", notifCount)
	}
}

// TestProcessPendingSquareRefunds_AgeGuard_NoMatch_MarksFailed locks the
// tri-state reconcile nil+nil branch: an aged pending refund (>23h) with NO
// exact COMPLETED refund at Square (genuine no-match — money provably did not
// move) is marked 'failed' and surfaced via admin_notification.
func TestProcessPendingSquareRefunds_AgeGuard_NoMatch_MarksFailed(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	if err != nil {
		t.Fatalf("failed to create user: %v", err)
	}
	serviceID, err := fixtures.CreateTestService(tx)
	if err != nil {
		t.Fatalf("failed to create service: %v", err)
	}
	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	if err != nil {
		t.Fatalf("failed to create booking: %v", err)
	}

	paymentID, err := fixtures.CreateTestPayment(tx, bookingID, 25.00, "online_square", "deposit", "completed")
	if err != nil {
		t.Fatalf("failed to create card payment: %v", err)
	}
	_, err = tx.Exec(ctx, "UPDATE payments SET square_payment_id = 'sqp_age_no_match' WHERE id = $1", paymentID)
	if err != nil {
		t.Fatalf("failed to set square_payment_id: %v", err)
	}

	_, err = tx.Exec(ctx, `
		INSERT INTO refunds (payment_id, booking_id, amount, status, reason, origin, created_at)
		VALUES ($1, $2, 25, 'pending', 'client_cancelled', 'cancellation', NOW() - INTERVAL '25 hours')
	`, paymentID, bookingID)
	if err != nil {
		t.Fatalf("failed to insert aged pending refund: %v", err)
	}

	pgxTx := db.TxFromContext(ctx)
	if pgxTx == nil {
		t.Fatal("no transaction in context")
	}
	if err := pgxTx.Commit(ctx); err != nil {
		t.Fatalf("failed to commit test tx: %v", err)
	}

	origClient := SquareClient
	// The MockClient records no refunds for this charge → reconcile returns a
	// genuine no-match (nil, nil).
	mock := square.NewDevClient().(*square.MockClient)
	counting := &countingRefundClient{SquareClient: mock}
	SquareClient = counting
	defer func() { SquareClient = origClient }()

	freshCtx := context.Background()
	ProcessPendingSquareRefunds(freshCtx, bookingID, "client_cancelled")

	var status string
	err = db.Conn.QueryRow(freshCtx, `SELECT status FROM refunds WHERE payment_id = $1`, paymentID).Scan(&status)
	if err != nil {
		t.Fatalf("failed to query refund: %v", err)
	}
	if status != "failed" {
		t.Errorf("expected aged refund marked 'failed' (Square shows no COMPLETED refund), got %q", status)
	}

	// The reconcile showed no match — the charge-level refund must NOT fire.
	if calls := counting.refundCalls(); len(calls) != 0 {
		t.Errorf("expected NO Square refund call on a genuine no-match reconcile, got %d", len(calls))
	}

	// The terminal failure must surface an admin_notifications row.
	var notifCount int
	err = db.Conn.QueryRow(freshCtx,
		`SELECT COUNT(*) FROM admin_notifications WHERE booking_id = $1 AND reason = 'refund_failed'`, bookingID).Scan(&notifCount)
	if err != nil {
		t.Fatalf("failed to query admin_notifications: %v", err)
	}
	if notifCount < 1 {
		t.Errorf("expected at least 1 admin_notification with reason 'refund_failed', got %d", notifCount)
	}
}