Crussell/backend/handlers/payments/money_safety_fixes_test.go

//go:build test && dev

package payments

import (
	"bytes"
	"context"
	"encoding/json"
	"fmt"
	"net/http"
	"net/http/httptest"
	"strings"
	"testing"
	"time"

	"crussell/db"
	"crussell/internal/square"
	"crussell/mw"
	"crussell/testutils"
	"crussell/testutils/fixtures"
	"crussell/testutils/jwt"

	"github.com/go-chi/chi/v5"
	"github.com/jackc/pgx/v5"
	"github.com/stretchr/testify/require"
)

// =============================================================================
// M7 — a manual refund of a gift-card purchase must never create money
// =============================================================================

// TestRefundPayment_GiftCardPurchase_Rejected locks the direct-handler guard:
// a completed gift-card purchase payment (payments row with NO booking_id)
// must be rejected with a clear message BEFORE any Square call or refund row —
// refunding it at Square would return the cash while the issued card + balance
// credit stay live (money created from nothing).
func TestRefundPayment_GiftCardPurchase_Rejected(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	require.NoError(t, err)
	adminID, err := fixtures.CreateTestAdminUser(tx)
	require.NoError(t, err)

	// Seed a completed gift-card purchase payment: NO booking_id, Square
	// payment id set — exactly what BuyGiftCard inserts.
	var paymentID string
	err = tx.QueryRow(ctx, `
		INSERT INTO payments (payment_type, payment_method, status, amount, square_payment_id, created_by, created_at, updated_at)
		VALUES ('full', 'online_square', 'completed', 10.00, 'pay_gc_purchase_refund_1', $1, NOW(), NOW())
		RETURNING id
	`, userID).Scan(&paymentID)
	require.NoError(t, err)

	adminToken := jwt.GenerateTestToken(adminID, "admin")
	req := RefundRequest{Amount: 1000, Reason: "customer changed their mind"}
	rec := makePaymentRequest(RefundPayment, "POST", "/api/admin/payments/"+paymentID+"/refund", req, adminToken, ctx)
	require.Equal(t, http.StatusBadRequest, rec.Code, "a gift-card purchase must be rejected before any Square call, body: %s", rec.Body.String())

	if !strings.Contains(rec.Body.String(), "gift-card") {
		t.Errorf("expected the rejection message to direct the admin to the gift-card section, got %q", rec.Body.String())
	}

	// No refund row may be created for the blocked refund.
	var refundCount int
	require.NoError(t, tx.QueryRow(ctx, "SELECT COUNT(*) FROM refunds WHERE payment_id = $1", paymentID).Scan(&refundCount))
	require.Equal(t, 0, refundCount, "no refund row may exist for a rejected gift-card purchase refund")
}

// TestProcessManualPaymentGroup_GiftCardPurchase_NotReIssued locks the sweep
// resume path: a pending manual refund for a gift-card purchase payment must
// NEVER be re-issued at Square (the sweep is a bypass of the handler guard).
// The row is reconciled only — a COMPLETED refund at Square resolves it to
// completed; a genuine no-match fails it + admin-notifies.
func TestProcessManualPaymentGroup_GiftCardPurchase_NotReIssued(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	require.NoError(t, err)
	adminID, err := fixtures.CreateTestAdminUser(tx)
	require.NoError(t, err)

	const sqPayID = "pay_gc_purchase_sweep_1"
	var paymentID string
	err = tx.QueryRow(ctx, `
		INSERT INTO payments (payment_type, payment_method, status, amount, square_payment_id, idempotency_key, created_by, created_at, updated_at)
		VALUES ('full', 'online_square', 'completed', 10.00, $1, 'gc-purchase-sweep-key', $2, NOW(), NOW())
		RETURNING id
	`, sqPayID, userID).Scan(&paymentID)
	require.NoError(t, err)

	var refundID string
	err = tx.QueryRow(ctx, `
		INSERT INTO refunds (payment_id, booking_id, amount, status, reason, idempotency_key, created_by, created_at, origin)
		VALUES ($1, NULL, 10.00, 'pending', 'manual refund of gift-card purchase', 'refund-key-1', $2, NOW() - INTERVAL '1 minute', 'manual')
		RETURNING id
	`, paymentID, adminID).Scan(&refundID)
	require.NoError(t, err)

	pgxTx := db.TxFromContext(ctx)
	require.NotNil(t, pgxTx)
	require.NoError(t, pgxTx.Commit(ctx))

	freshCtx := context.Background()
	t.Cleanup(func() {
		_, _ = db.Conn.Exec(freshCtx, `DELETE FROM admin_notifications WHERE reason = 'refund_failed' AND booking_id IS NULL AND created_at > NOW() - INTERVAL '1 hour'`)
		_, _ = db.Conn.Exec(freshCtx, `DELETE FROM refunds WHERE id = $1`, refundID)
		_, _ = db.Conn.Exec(freshCtx, `DELETE FROM payments WHERE id = $1`, paymentID)
		_, _ = db.Conn.Exec(freshCtx, `DELETE FROM users WHERE id = $1`, userID)
	})

	t.Run("no_completed_refund_at_square_fails_without_reissue", func(t *testing.T) {
		origClient := SquareClient
		mock := square.NewDevClient().(*square.MockClient)
		counting := &countingRefundClient{SquareClient: mock}
		SquareClient = counting
		defer func() { SquareClient = origClient }()

		n, err := processManualPaymentGroup(freshCtx, paymentID, []manualPendingRow{{ID: refundID}})
		require.NoError(t, err)
		require.Equal(t, 0, n, "a blocked gift-card-purchase refund must not count as money-moved")

		if calls := counting.refundCalls(); len(calls) != 0 {
			t.Fatalf("expected NO Square refund re-issue for a gift-card purchase, got %d refund call(s)", len(calls))
		}

		var status string
		require.NoError(t, db.Conn.QueryRow(freshCtx, `SELECT status FROM refunds WHERE id = $1`, refundID).Scan(&status))
		require.Equal(t, "failed", status, "a gift-card-purchase manual refund with no Square refund must be failed, never re-issued")

		var notifCount int
		require.NoError(t, db.Conn.QueryRow(freshCtx, `SELECT COUNT(*) FROM admin_notifications WHERE reason = 'refund_failed' AND booking_id IS NULL`).Scan(&notifCount))
		require.Equal(t, 1, notifCount, "the blocked refund must surface an admin notification")
	})

	t.Run("completed_refund_at_square_resolves_completed", func(t *testing.T) {
		// Put the row back to pending (the previous sub-run failed it).
		_, err := db.Conn.Exec(freshCtx, `UPDATE refunds SET status = 'pending', refund_attempts = 0 WHERE id = $1`, refundID)
		require.NoError(t, err)
		_, err = db.Conn.Exec(freshCtx, `DELETE FROM admin_notifications WHERE reason = 'refund_failed' AND booking_id IS NULL`)
		require.NoError(t, err)

		origClient := SquareClient
		mock := square.NewDevClient().(*square.MockClient)
		// Seed a COMPLETED refund at Square directly on the mock (this is the
		// historical attempt's money already having moved — NOT a re-issue).
		_, err = mock.RefundPayment(freshCtx, square.RefundPaymentReq{
			PaymentID:      sqPayID,
			Amount:         1000,
			IdempotencyKey: "seed-refund-gc-purchase",
			Reason:         "historical",
		})
		require.NoError(t, err)

		counting := &countingRefundClient{SquareClient: mock}
		SquareClient = counting
		defer func() { SquareClient = origClient }()

		n, err := processManualPaymentGroup(freshCtx, paymentID, []manualPendingRow{{ID: refundID}})
		require.NoError(t, err)
		require.Equal(t, 1, n, "the reconciled COMPLETED refund resolves the row")

		if calls := counting.refundCalls(); len(calls) != 0 {
			t.Fatalf("expected NO Square refund re-issue even with a completed refund at Square, got %d refund call(s)", len(calls))
		}

		var status string
		require.NoError(t, db.Conn.QueryRow(freshCtx, `SELECT status FROM refunds WHERE id = $1`, refundID).Scan(&status))
		require.Equal(t, "completed", status, "an exact COMPLETED refund at Square resolves the row to completed")
	})
}

// =============================================================================
// M7 — BuyGiftCard no-client-key fallback: retry dedup without collapse
// =============================================================================

// buyGiftCardNoKey issues a BuyGiftCard request without a client-supplied
// idempotency key and returns the response code + body.
func buyGiftCardNoKey(t *testing.T, ctx context.Context, tx pgx.Tx, token string, amount int, recipientType string) (int, string) {
	t.Helper()
	reqBody, _ := json.Marshal(map[string]interface{}{
		"amount":         amount,
		"recipient_type": recipientType,
		"new_card_token": "cnon:card-nonce-ok",
	})
	req := httptest.NewRequest("POST", "/api/user/giftcards/buy", bytes.NewBuffer(reqBody))
	req.Header.Set("Authorization", "Bearer "+token)
	req.Header.Set("Content-Type", "application/json")
	req = req.WithContext(db.ContextWithTx(req.Context(), tx))
	w := httptest.NewRecorder()
	r := chi.NewRouter()
	r.Use(mw.RequireAuth)
	r.Post("/api/user/giftcards/buy", BuyGiftCard)
	r.ServeHTTP(w, req)
	return w.Code, w.Body.String()
}

// TestBuyGiftCard_NoClientKey_LostResponseRetry_SingleCharge locks the M7 fix:
// a no-client-key purchase whose Square response is lost (charge COMMITTED at
// Square, handler saw a 503, payment row left pending) must, when retried with
// the identical body, re-derive the SAME deterministic fallback key, reuse the
// pending row, and land ONE Square charge — the old fresh-random-suffix
// fallback generated a new key per retry and charged twice.
func TestBuyGiftCard_NoClientKey_LostResponseRetry_SingleCharge(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	require.NoError(t, err)
	token := jwt.GenerateTestToken(userID, "verified_email")

	origClient := SquareClient
	mock := square.NewDevClient().(*square.MockClient)
	mock.FailAfterCommit = true
	counting := &countingPaymentClient{SquareClient: mock}
	SquareClient = counting
	defer func() { SquareClient = origClient }()

	// Attempt 1: Square commits the charge under the derived key but the
	// response is lost — the payment row stays pending.
	if code, body := buyGiftCardNoKey(t, ctx, tx.(pgx.Tx), token, 2000, "self"); code == http.StatusCreated {
		t.Fatalf("expected the lost-response attempt to fail (charge committed, response lost), got 201: %s", body)
	}

	mock.FailAfterCommit = false

	// Retry: deterministic key reuse + Square dedup → the retry succeeds.
	if code, body := buyGiftCardNoKey(t, ctx, tx.(pgx.Tx), token, 2000, "self"); code != http.StatusCreated {
		t.Fatalf("expected the retry to succeed, got %d: %s", code, body)
	}

	// Exactly ONE payment row, ONE idempotency key, ONE issued card.
	var payCount int
	require.NoError(t, tx.QueryRow(ctx, "SELECT COUNT(*) FROM payments WHERE created_by = $1", userID).Scan(&payCount))
	require.Equal(t, 1, payCount, "exactly one payment row for a lost-response retry")

	var keyCount int
	require.NoError(t, tx.QueryRow(ctx, "SELECT COUNT(DISTINCT idempotency_key) FROM payments WHERE created_by = $1", userID).Scan(&keyCount))
	require.Equal(t, 1, keyCount, "both attempts must share ONE deterministic fallback key")

	var cardCount int
	require.NoError(t, tx.QueryRow(ctx, "SELECT COUNT(*) FROM gift_cards WHERE created_by = $1", userID).Scan(&cardCount))
	require.Equal(t, 1, cardCount, "exactly one gift card issued")

	// Both Square calls reused the SAME key; only ONE successful payment exists.
	keys := counting.keys
	if len(keys) != 2 {
		t.Fatalf("expected 2 CreatePayment calls (attempt + retry), got %d", len(keys))
	}
	if keys[0] != keys[1] {
		t.Errorf("expected the retry to reuse the fallback key %q, got %q — a fresh key per retry is the double-charge bug", keys[0], keys[1])
	}
	if len(counting.payments) != 1 {
		t.Errorf("expected exactly ONE successful Square charge, got %d", len(counting.payments))
	}
}

// TestBuyGiftCard_NoClientKey_DifferentAmounts_DistinctCharges locks the other
// half of the tradeoff: two genuinely DISTINCT no-key purchases (different
// amounts) must diverge onto distinct deterministic keys and issue two charges.
func TestBuyGiftCard_NoClientKey_DifferentAmounts_DistinctCharges(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	require.NoError(t, err)
	token := jwt.GenerateTestToken(userID, "verified_email")

	for _, amount := range []int{2000, 5000} {
		if code, body := buyGiftCardNoKey(t, ctx, tx.(pgx.Tx), token, amount, "self"); code != http.StatusCreated {
			t.Fatalf("expected 201 for £%d purchase, got %d: %s", amount/100, code, body)
		}
	}

	var keyCount int
	require.NoError(t, tx.QueryRow(ctx, "SELECT COUNT(DISTINCT idempotency_key) FROM payments WHERE created_by = $1", userID).Scan(&keyCount))
	require.Equal(t, 2, keyCount, "two different-amount no-key purchases must get distinct keys")

	var payCount int
	require.NoError(t, tx.QueryRow(ctx, "SELECT COUNT(*) FROM payments WHERE created_by = $1", userID).Scan(&payCount))
	require.Equal(t, 2, payCount)

	var cardCount int
	require.NoError(t, tx.QueryRow(ctx, "SELECT COUNT(*) FROM gift_cards WHERE created_by = $1", userID).Scan(&cardCount))
	require.Equal(t, 2, cardCount)
}

// TestBuyGiftCard_NoClientKey_DifferentRecipients_DistinctCharges locks the
// distinct-recipient branch of the tradeoff.
func TestBuyGiftCard_NoClientKey_DifferentRecipients_DistinctCharges(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	require.NoError(t, err)
	token := jwt.GenerateTestToken(userID, "verified_email")

	for _, recipient := range []string{"self", "friend"} {
		if code, body := buyGiftCardNoKey(t, ctx, tx.(pgx.Tx), token, 2000, recipient); code != http.StatusCreated {
			t.Fatalf("expected 201 for %s purchase, got %d: %s", recipient, code, body)
		}
	}

	var keyCount int
	require.NoError(t, tx.QueryRow(ctx, "SELECT COUNT(DISTINCT idempotency_key) FROM payments WHERE created_by = $1", userID).Scan(&keyCount))
	require.Equal(t, 2, keyCount, "different-recipient no-key purchases must get distinct keys")

	var payCount int
	require.NoError(t, tx.QueryRow(ctx, "SELECT COUNT(*) FROM payments WHERE created_by = $1", userID).Scan(&payCount))
	require.Equal(t, 2, payCount)

	var cardCount int
	require.NoError(t, tx.QueryRow(ctx, "SELECT COUNT(*) FROM gift_cards WHERE created_by = $1", userID).Scan(&cardCount))
	require.Equal(t, 2, cardCount)
}

// TestBuyGiftCard_NoClientKey_FailedSlot_AdvancesToFreshKey locks the A10 fix:
// a no-key purchase whose payment row was swept/declined to 'failed' must NOT
// permanently block the identical repurchase. The slot scan advances past BOTH
// COMPLETED and FAILED rows (mirroring the till's scanTillIdempotencyKeySlot),
// so the repurchase derives a FRESH key and charges again instead of
// 409-rejecting forever on the failed row.
func TestBuyGiftCard_NoClientKey_FailedSlot_AdvancesToFreshKey(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	require.NoError(t, err)
	token := jwt.GenerateTestToken(userID, "verified_email")

	// The deterministic fallback key a no-key £20 self purchase would derive.
	failedKey := fmt.Sprintf("gc-%s-2000-self-new", userID)
	_, err = tx.Exec(ctx, `
		INSERT INTO payments (payment_type, payment_method, status, amount, idempotency_key, created_by, created_at, updated_at)
		VALUES ('full', 'online_square', 'failed', 20.00, $1, $2, NOW(), NOW())
	`, failedKey, userID)
	require.NoError(t, err)

	// The identical repurchase must SUCCEED on a fresh key — not 409 forever.
	if code, body := buyGiftCardNoKey(t, ctx, tx.(pgx.Tx), token, 2000, "self"); code != http.StatusCreated {
		t.Fatalf("expected the repurchase after a failed slot to succeed, got %d: %s", code, body)
	}

	// Two distinct keys: the failed slot key + the fresh advance key.
	var keyCount int
	require.NoError(t, tx.QueryRow(ctx, "SELECT COUNT(DISTINCT idempotency_key) FROM payments WHERE created_by = $1", userID).Scan(&keyCount))
	require.Equal(t, 2, keyCount, "the repurchase must diverge onto a fresh key, not reuse the failed slot")
}

// TestBuyGiftCard_ForeignIdempotencyKey_NotReused locks the A6 fix: a
// client-supplied idempotency key that matches ANOTHER user's payment row must
// never be returned (completed), reused (pending), or rejected on (failed) —
// cross-user hijack. The purchase proceeds as a fresh request on a fresh key.
func TestBuyGiftCard_ForeignIdempotencyKey_NotReused(t *testing.T) {
	t.Parallel()
	ctx, tx := testutils.SetupTestTx(t)

	victimID, err := fixtures.CreateTestUser(tx)
	require.NoError(t, err)
	attackerID, err := fixtures.CreateTestUser(tx)
	require.NoError(t, err)
	token := jwt.GenerateTestToken(attackerID, "verified_email")

	// The victim's COMPLETED payment under a deterministic/guessable key.
	victimKey := fmt.Sprintf("gc-%s-2000-self-new", victimID)
	_, err = tx.Exec(ctx, `
		INSERT INTO payments (payment_type, payment_method, status, amount, idempotency_key, created_by, created_at, updated_at)
		VALUES ('full', 'online_square', 'completed', 20.00, $1, $2, NOW(), NOW())
	`, victimKey, victimID)
	require.NoError(t, err)

	// The attacker supplies the victim's key: must NOT get the victim's
	// completed payment back (which would be a false success leaking the
	// victim's row) — it must proceed as a fresh charge.
	reqBody, _ := json.Marshal(map[string]interface{}{
		"amount":          2000,
		"recipient_type":  "self",
		"new_card_token":  "cnon:card-nonce-ok",
		"idempotency_key": victimKey,
	})
	req := httptest.NewRequest("POST", "/api/user/giftcards/buy", bytes.NewBuffer(reqBody))
	req.Header.Set("Authorization", "Bearer "+token)
	req.Header.Set("Content-Type", "application/json")
	req = req.WithContext(db.ContextWithTx(req.Context(), tx.(pgx.Tx)))
	w := httptest.NewRecorder()
	r := chi.NewRouter()
	r.Use(mw.RequireAuth)
	r.Post("/api/user/giftcards/buy", BuyGiftCard)
	r.ServeHTTP(w, req)

	require.Equal(t, http.StatusCreated, w.Code, "a foreign-key purchase must proceed as a fresh charge, body: %s", w.Body.String())

	// A gift card was issued to the ATTACKER, not the victim.
	var cardCount int
	require.NoError(t, tx.QueryRow(ctx, "SELECT COUNT(*) FROM gift_cards WHERE created_by = $1", attackerID).Scan(&cardCount))
	require.Equal(t, 1, cardCount, "the attacker must receive their own gift card")
	// The victim's payment row is untouched and the attacker got their own row.
	var victimPayCount int
	require.NoError(t, tx.QueryRow(ctx, "SELECT COUNT(*) FROM payments WHERE idempotency_key = $1", victimKey).Scan(&victimPayCount))
	require.Equal(t, 1, victimPayCount, "the victim's payment row must not be reused or duplicated")
	var attackerPayCount int
	require.NoError(t, tx.QueryRow(ctx, "SELECT COUNT(*) FROM payments WHERE created_by = $1 AND status = 'completed'", attackerID).Scan(&attackerPayCount))
	require.Equal(t, 1, attackerPayCount, "the attacker must have exactly one completed payment of their own")
}

// =============================================================================
// Fix 1 — tip 2FA gate asymmetry: saved-card tip with SCA tokenize-result
// must skip the gate in an enforced deployment
// =============================================================================

// TestCreateTipPayment_EnforcedSavedCard_SCATokenizeResult_Succeeds locks the
// Fix 1 gate skip: a saved-card tip carrying an SCA tokenize-result token
// (new_card_token alongside card_id) must skip the 2FA gate and complete,
// matching the CreateBookingPayment scaTokenizedSavedCard pattern. Without the
// fix, the tip path gates on card_id alone and refuses 402
// verification_required because the legacy verification_token field is empty.
func TestCreateTipPayment_EnforcedSavedCard_SCATokenizeResult_Succeeds(t *testing.T) {
	helperEnvEnforce2FAStaging(t)
	ctx, tx := testutils.SetupTestTx(t)

	userID, bookingID, _ := setupTestDataPast(t, ctx, tx)
	userToken := jwt.GenerateUserToken(userID)
	// A completed payment is required before a tip can be added.
	_, err := fixtures.CreateTestPayment(tx, bookingID, 5000.00, "online_square", "full", "completed")
	require.NoError(t, err)
	cardID, err := fixtures.CreateTestPaymentMethod(tx, userID, "ccof:mock_tip_sca_ok", "VISA", "4242")
	require.NoError(t, err)

	origClient := SquareClient
	mc := square.NewDevClient().(*square.MockClient)
	mc.SimulateSavedCardVerificationRequired = true
	SquareClient = mc
	defer func() { SquareClient = origClient }()

	scaToken := "cnon:sca-4242_500_ok"
	req := CreateTipPaymentRequest{
		Amount:         500,
		CardID:         &cardID,
		NewCardToken:   &scaToken,
		IdempotencyKey: "enforced-tip-scatokenized",
	}

	w := makePaymentRequest(withNonGuest(CreateTipPayment), "POST", "/api/bookings/"+bookingID+"/tip", req, userToken, ctx)
	require.Equal(t, http.StatusOK, w.Code, "an SCA tokenize-result tip must skip the enforced gate and complete, body: %s", w.Body.String())

	var payCount int
	require.NoError(t, tx.QueryRow(ctx, `SELECT COUNT(*) FROM payments WHERE booking_id = $1 AND status = 'completed' AND payment_type = 'tip'`, bookingID).Scan(&payCount))
	require.Equal(t, 1, payCount, "the SCA-tokenized tip must record exactly one completed tip payment")
}

// TestCreateTipPayment_EnforcedSavedCard_SCATokenizeResult_SaveCard_Succeeds
// locks the Fix 1 SAVE gate skip: a save-card tip carrying an SCA tokenize-result
// token must skip the SAVE gate and persist the card, matching the
// CreateBookingPayment isSCATokenizeResultShape pattern.
func TestCreateTipPayment_EnforcedSavedCard_SCATokenizeResult_SaveCard_Succeeds(t *testing.T) {
	helperEnvEnforce2FAStaging(t)
	ctx, tx := testutils.SetupTestTx(t)

	userID, bookingID, _ := setupTestDataPast(t, ctx, tx)
	userToken := jwt.GenerateUserToken(userID)
	_, err := fixtures.CreateTestPayment(tx, bookingID, 5000.00, "online_square", "full", "completed")
	require.NoError(t, err)

	// A cnon:sca-... token with save_card=true and no card_id is the
	// NEW-card SCA tokenize-result save shape — isSCATokenizeResultShape
	// must recognise it and skip the SAVE gate. Use the regular mock
	// (no SimulateSavedCardVerificationRequired) so the ccof charge from
	// CreateCardOnFile succeeds.
	scaToken := "cnon:sca-round9-save-tip"
	req := CreateTipPaymentRequest{
		Amount:         500,
		NewCardToken:   &scaToken,
		SaveCard:       true,
		IdempotencyKey: "enforced-tip-scasave",
	}

	w := makePaymentRequest(withNonGuest(CreateTipPayment), "POST", "/api/bookings/"+bookingID+"/tip", req, userToken, ctx)
	require.Equal(t, http.StatusOK, w.Code, "an SCA tokenize-result tip with save_card=true must skip the enforced SAVE gate and complete, body: %s", w.Body.String())

	var payCount int
	require.NoError(t, tx.QueryRow(ctx, `SELECT COUNT(*) FROM payments WHERE booking_id = $1 AND status = 'completed' AND payment_type = 'tip'`, bookingID).Scan(&payCount))
	require.Equal(t, 1, payCount, "the SCA-tokenized save-card tip must record exactly one completed tip payment")
}

// TestActiveTerminalCheckoutID_ProvisionalCompleted_RecordsPayment locks the
// H4 fix: when activeTerminalCheckoutID discovers a provisional (tmp-)
// checkout COMPLETED at Square, it must RECORD the payment (mirroring the
// sweep's recordUntrackedTerminalPayment) instead of only marking the row
// COMPLETED and relying on a poll that may never come — a never-polled
// checkout would otherwise leave the charge permanently unrecorded and
// unrefundable via the app.
func TestActiveTerminalCheckoutID_ProvisionalCompleted_RecordsPayment(t *testing.T) {
	ctx, tx := testutils.SetupTestTx(t)

	userID, err := fixtures.CreateTestUser(tx)
	require.NoError(t, err)
	serviceID, err := fixtures.CreateTestService(tx)
	require.NoError(t, err)
	bookingID, err := fixtures.CreateTestBookingAtTime(tx, userID, serviceID,
		time.Date(2099, 12, 31, 10, 0, 0, 0, time.UTC))
	require.NoError(t, err)
	if _, err := tx.Exec(ctx, "UPDATE bookings SET status = 'in_progress' WHERE id = $1", bookingID); err != nil {
		t.Fatalf("failed to set booking in_progress: %v", err)
	}

	const tmpID = "tmp-completed-no-poll"
	seedStaleProvisionalTerminalCheckout(t, ctx, tx, bookingID, tmpID)

	const sqPayID = "pay_provisional_completed_1"
	origClient := SquareClient
	SquareClient = &provisionalCheckoutClient{
		SquareClient: square.NewDevClient(),
		checkoutID:   tmpID,
		result: &square.PaymentResult{
			Status:      "COMPLETED",
			SquarePayID: sqPayID,
			Amount:      5000,
			Fees:        88,
			CardBrand:   "VISA",
			CardLast4:   "4242",
			ReferenceID: bookingID,
		},
	}
	defer func() { SquareClient = origClient }()

	pgxTx := db.TxFromContext(ctx)
	require.NotNil(t, pgxTx)
	require.NoError(t, pgxTx.Commit(ctx))

	freshCtx := context.Background()
	t.Cleanup(func() {
		_, _ = db.Conn.Exec(freshCtx, `DELETE FROM payments WHERE square_payment_id = $1`, sqPayID)
		_, _ = db.Conn.Exec(freshCtx, `DELETE FROM terminal_checkouts WHERE checkout_id = $1`, tmpID)
		_, _ = db.Conn.Exec(freshCtx, `DELETE FROM bookings WHERE id = $1`, bookingID)
		_, _ = db.Conn.Exec(freshCtx, `DELETE FROM services WHERE id = $1`, serviceID)
		_, _ = db.Conn.Exec(freshCtx, `DELETE FROM users WHERE id = $1`, userID)
	})

	// A recorded COMPLETED provisional checkout must release the in-flight
	// guard ("" returned), not wedge the booking.
	got := activeTerminalCheckoutID(freshCtx, bookingID)
	require.Equal(t, "", got, "a recorded COMPLETED provisional checkout must release the in-flight guard")

	// The charge must be recorded as a payment row.
	var payCount int
	require.NoError(t, db.Conn.QueryRow(freshCtx, `SELECT COUNT(*) FROM payments WHERE booking_id = $1 AND square_payment_id = $2`, bookingID, sqPayID).Scan(&payCount))
	require.Equal(t, 1, payCount, "the never-polled COMPLETED provisional charge must be recorded as a payment")

	var status string
	require.NoError(t, db.Conn.QueryRow(freshCtx, `SELECT status FROM terminal_checkouts WHERE checkout_id = $1`, tmpID).Scan(&status))
	require.Equal(t, "COMPLETED", status, "the recorded checkout row must be marked COMPLETED")
}