Crussell/backend/handlers/payments/refunds.go

package payments

import (
	"context"
	"errors"
	"fmt"
	"log"
	"log/slog"
	"math"
	"sort"
	"strconv"
	"time"

	"crussell/clock"
	"crussell/db"
	"crussell/internal/square"

	"github.com/jackc/pgx/v5"
)

type RefundCalculationResult struct {
	TotalPrePaid          float64 `json:"total_pre_paid"`
	ProtectedDeposit      float64 `json:"protected_deposit"`
	RefundableAmount      float64 `json:"refundable_amount"`
	KeptAmount            float64 `json:"kept_amount"`
	HoursUntilAppointment float64 `json:"hours_until_appointment"`
	Tier                  string  `json:"tier"`
}

// paymentRow is one completed payment on a booking, read into a slice before
// the refund loop runs (pgx.Tx does not support concurrent queries on the same
// connection, so rows must be fully drained before Exec/QueryRow in the loop).
type paymentRow struct {
	ID              string
	Amount          float64
	PaymentMethod   string
	SquarePaymentID *string
	GiftCardID      *string
}

// CalculateRefundForCancellation computes the refund amounts for a cancelled booking.
//
// Track A (universal — same rules for all bookings):
//   - >72 hours notice:        Full refund of all pre-payments
//   - 24-72 hours notice:      Keep protected deposit (up to 50%), refund the rest
//   - <24 hours or no-show:    Keep all pre-payments
//
// The "protected deposit" is defined as min(totalPrePaid, subtotal * 0.50).
// This means up to 50% of the subtotal is always treated as a deposit for
// refund purposes, regardless of whether deposit_required was set on the booking.
func CalculateRefundForCancellation(
	subtotal float64,
	totalPrePaid float64,
	cancellationTime time.Time,
	startTime time.Time,
) RefundCalculationResult {
	hoursUntilAppointment := startTime.Sub(cancellationTime).Hours()

	protectedDeposit := math.Min(totalPrePaid, subtotal*ProtectedDepositMaxPct)

	// Round to 2 decimal places
	protectedDeposit = math.Round(protectedDeposit*100) / 100
	totalPrePaidRounded := math.Round(totalPrePaid*100) / 100

	var refundableAmount, keptAmount float64
	var tier string

	fullHrs := FullRefundThreshold.Hours()
	partHrs := PartialRefundThreshold.Hours()

	switch {
	case hoursUntilAppointment > fullHrs:
		refundableAmount = totalPrePaidRounded
		keptAmount = 0
		tier = FullRefundTier

	case hoursUntilAppointment >= partHrs:
		keptAmount = protectedDeposit
		refundableAmount = totalPrePaidRounded - keptAmount
		if refundableAmount < 0 {
			refundableAmount = 0
		}
		tier = PartialRefundTier

	default:
		keptAmount = totalPrePaidRounded
		refundableAmount = 0
		tier = NoRefundTier
	}

	return RefundCalculationResult{
		TotalPrePaid:          totalPrePaidRounded,
		ProtectedDeposit:      protectedDeposit,
		RefundableAmount:      refundableAmount,
		KeptAmount:            keptAmount,
		HoursUntilAppointment: hoursUntilAppointment,
		Tier:                  tier,
	}
}

// lockCancellationPayments serializes a cancellation refund against the manual
// RefundPayment handler and the sweep. Both hold
// `pg_advisory_lock(hashtext('crussell:refund:' || payment_id))` (session-level)
// on the card payment ids they touch; a cancellation that computes residuals
// without the same locks can over-refund against a manual refund in flight (the
// manual guard read precedes the cancellation's commit). Locks are acquired in
// ascending payment_id order (matching processChargeGroup) to avoid deadlocks,
// and only for card methods the manual handler can touch.
func lockCancellationPayments(ctx context.Context, tx pgx.Tx, payments []paymentRow) error {
	var ids []string
	for _, p := range payments {
		if p.PaymentMethod == "online_square" || p.PaymentMethod == "in_person_card" {
			ids = append(ids, p.ID)
		}
	}
	if len(ids) == 0 {
		return nil
	}
	sort.Strings(ids)
	for _, pid := range ids {
		// Blocking xact lock (NOT the bounded try-lock used elsewhere): this is
		// the admin-only cancellation path, and the manual RefundPayment handler
		// can hold the same key across its up-to-30s Square round-trip. A timed
		// out acquire here would abort the cancellation transaction — the caller
		// (manage.go) would commit the cancellation with ZERO refund rows and no
		// sweep retry could ever recover the money. Blocking guarantees the
		// refund runs; the lock auto-releases at the caller's commit/rollback.
		// See acquireAdvisoryXactLockBlocking for the full rationale.
		if err := acquireAdvisoryXactLockBlocking(ctx, tx, "crussell:refund:"+pid); err != nil {
			return fmt.Errorf("failed to acquire cancellation refund lock for payment %s: %w", pid, err)
		}
	}
	return nil
}

// ProcessCancellationRefundTx is like ProcessCancellationRefund but uses an
// externally-provided transaction. The caller owns the transaction lifecycle
// (commit/rollback). Pass a non-nil pgx.Tx to share an existing transaction.
// forceFullRefund overrides the notice-tier calculation so the ENTIRE net
// pre-paid amount is refunded (admin "forgive fees" path) regardless of how
// close to the appointment the cancellation happens.
func ProcessCancellationRefundTx(
	ctx context.Context,
	tx pgx.Tx,
	bookingID string,
	subtotal float64,
	totalPrePaid float64,
	startTime time.Time,
	cancellationTime time.Time,
	reason string,
	actorID *string,
	forceFullRefund bool,
) (*RefundCalculationResult, error) {
	calc := CalculateRefundForCancellation(subtotal, totalPrePaid, cancellationTime, startTime)

	if forceFullRefund {
		calc.RefundableAmount = calc.TotalPrePaid
		calc.KeptAmount = 0
		calc.Tier = "admin_full_refund"
	}

	if calc.RefundableAmount <= 0 {
		return &calc, nil
	}

	// Get the booking's user info for refund routing.
	var bookingUserID string
	var isGuest bool
	if err := tx.QueryRow(ctx, `
		SELECT b.user_id, COALESCE(u.account_role = 'guest', false)
		FROM bookings b
		LEFT JOIN users u ON b.user_id = u.id
		WHERE b.id = $1
	`, bookingID).Scan(&bookingUserID, &isGuest); err != nil {
		log.Printf("Failed to get booking user info for refund: %v", err)
		// Non-fatal — we'll still process Square refunds but skip balance credits.
	}

	rows, err := tx.Query(ctx, `
		SELECT id, amount, payment_method, square_payment_id, gift_card_id
		FROM payments
		WHERE booking_id = $1 AND status = 'completed' AND payment_method NOT IN ('discount', 'on_the_house')
		ORDER BY created_at ASC
	`, bookingID)
	if err != nil {
		log.Printf("Failed to fetch payments for refund: %v", err)
		return &calc, nil
	}
	defer rows.Close()

	// Read all payments into a slice, then close rows immediately.
	var payments []paymentRow
	for rows.Next() {
		var p paymentRow
		if err := rows.Scan(&p.ID, &p.Amount, &p.PaymentMethod, &p.SquarePaymentID, &p.GiftCardID); err != nil {
			log.Printf("Failed to scan payment row: %v", err)
			continue
		}
		payments = append(payments, p)
	}
	if err := rows.Err(); err != nil {
		log.Printf("Payment row iteration error: %v", err)
	}

	// Serialize against the manual RefundPayment handler and the sweep — the
	// residual calculation below must not race a manual refund in flight. If
	// any lock fails, abort: continuing without the lock reopens the over-refund
	// race. pg_advisory_xact_lock auto-releases at the caller's commit.
	if err := lockCancellationPayments(ctx, tx, payments); err != nil {
		return nil, err
	}

	refundRemaining := calc.RefundableAmount

	// Prior refunds per payment record (completed + pending) — the loop must
	// not re-refund money already returned. Sums by payment_id; pending counts
	// because a Square call may already be in flight.
	//
	// This DB-side over-refund guard (completed + pending) is what prevents
	// Square's REFUND_AMOUNT_INVALID in practice: a refund is never issued past
	// the residual `amount - already`. Both this cancellation path and the
	// manual RefundPayment handler compute residuals while holding the same
	// advisory lock (`hashtext('crussell:refund:' || payment_id)` — see
	// lockCancellationPayments), so a manual refund cannot slip past the guard
	// and a cancellation refund cannot be recorded after the manual guard ran
	// without the two serializing. Square no longer documents
	// PAYMENT_ALREADY_REFUNDED; the realistic already-refunded response is
	// REFUND_AMOUNT_INVALID, which the client maps to ErrRefundDeclined
	// (definitive) — the charge-group/manual sweep handlers fail those rows and
	// surface them via admin_notification rather than silently blocking the
	// amount in the guard.
	priorRefunds := make(map[string]float64)
	prRows, prErr := tx.Query(ctx, `
		SELECT payment_id, COALESCE(SUM(amount), 0) FROM refunds
		WHERE booking_id = $1 AND status IN ('completed', 'pending')
		GROUP BY payment_id`, bookingID)
	if prErr != nil {
		log.Printf("Failed to query prior refunds for booking %s: %v", bookingID, prErr)
	} else {
		for prRows.Next() {
			var pid string
			var amt float64
			if err := prRows.Scan(&pid, &amt); err == nil {
				priorRefunds[pid] = amt
			}
		}
		prRows.Close()
	}

	for _, p := range payments {
		if refundRemaining <= 0 {
			break
		}

		paymentID := p.ID
		paymentMethod := p.PaymentMethod
		amount := p.Amount
		giftCardID := p.GiftCardID

		already := priorRefunds[paymentID]
		residual := math.Round((amount-already)*100) / 100
		if residual <= 0 {
			// already fully refunded — don't consume refundRemaining
			continue
		}
		refundThisPayment := math.Min(residual, refundRemaining)
		var squareRefundID *string

		switch paymentMethod {
		case "online_square", "in_person_card":
			// Square API refund is processed AFTER the transaction commits
			// (see ProcessPendingSquareRefunds). Inside the tx we only record
			// the refund record as "pending" for post-commit processing.
			if isGuest || bookingUserID == "" {
				log.Printf("Guest card refund: booking %s, payment %s, amount £%.2f — will be processed after commit", bookingID, paymentID, refundThisPayment)
			}
			// squareRefundID stays nil — will be set by ProcessPendingSquareRefunds

		case "giftcard":
			if giftCardID == nil || *giftCardID == "" {
				log.Printf("Giftcard payment %s has no gift_card_id — cannot refund to card. Skipping.", paymentID)
				break
			}
			var expired bool
			if err := tx.QueryRow(ctx, `
				SELECT expiry_date IS NOT NULL AND expiry_date < NOW()
				FROM gift_cards WHERE id = $1
			`, *giftCardID).Scan(&expired); err != nil {
				log.Printf("Failed to check gift card %s expiry: %v — proceeding with refund", *giftCardID, err)
			} else if expired {
				log.Printf("Gift card %s has expired — money retained by salon, no refund due for booking %s", *giftCardID, bookingID)
				break
			}
			if _, err := tx.Exec(ctx, `
				UPDATE gift_cards SET amount_remaining = amount_remaining + $1, last_used_at = NOW()
				WHERE id = $2
			`, refundThisPayment, *giftCardID); err != nil {
				log.Printf("Failed to refund £%.2f to gift card %s: %v", refundThisPayment, *giftCardID, err)
				break
			}
			if _, err := tx.Exec(ctx, `
				INSERT INTO gift_card_transactions (gift_card_id, transaction_type, amount, reference_type, reference_id, user_id, notes)
				VALUES ($1, 'refund', $2, 'booking', $3, $4, $5)
			`, *giftCardID, refundThisPayment, bookingID, bookingUserID, "Refund from cancelled booking"); err != nil {
				log.Printf("Failed to create gift card transaction for refund: %v", err)
			}

		case "cash":
			if isGuest || bookingUserID == "" {
				log.Printf("Guest cash refund: booking %s, payment %s, amount £%.2f — admin must process cash refund at till", bookingID, paymentID, refundThisPayment)
			} else {
				log.Printf("Crediting £%.2f to user %s balance for cash payment %s", refundThisPayment, bookingUserID, paymentID)
				if _, balErr := tx.Exec(ctx, `
					INSERT INTO user_giftcard_balances (user_id, balance, updated_at)
					VALUES ($1, $2, NOW())
					ON CONFLICT (user_id) DO UPDATE SET
						balance = user_giftcard_balances.balance + EXCLUDED.balance,
						updated_at = NOW()
				`, bookingUserID, refundThisPayment); balErr != nil {
					log.Printf("Failed to credit user %s balance for refund of booking %s: %v", bookingUserID, bookingID, balErr)
				}
			}

		default:
			log.Printf("Skipping refund for payment %s with method %q (no money exchanged)", paymentID, paymentMethod)
		}

		recordStatus := "completed"
		if paymentMethod == "online_square" || paymentMethod == "in_person_card" {
			recordStatus = "pending"
		}
		record := RefundRecord{
			PaymentID:      paymentID,
			BookingID:      bookingID,
			Amount:         refundThisPayment,
			SquareRefundID: squareRefundID,
			Status:         recordStatus,
			Reason:         reason,
			Origin:         "cancellation",
			CreatedBy:      actorID,
			CreatedAt:      clock.Now(),
		}

		// Deterministic idempotency key so a scheduler retry can never issue a
		// second Square refund. Format never collides with the handler's
		// "-refund-" keys.
		refundKey := paymentID + "-square-" + strconv.FormatInt(int64(math.Round(refundThisPayment*100)), 10)
		record.IdempotencyKey = &refundKey

		tag, dbErr := tx.Exec(ctx, `
			INSERT INTO refunds (payment_id, booking_id, amount, square_refund_id, status, reason, idempotency_key, created_by, created_at, origin)
			VALUES ($1, $2, $3, $4, $5, $6, $7, $8, $9, $10)
			ON CONFLICT (idempotency_key) DO NOTHING
		`, record.PaymentID, record.BookingID, record.Amount, record.SquareRefundID, record.Status, record.Reason, record.IdempotencyKey, record.CreatedBy, record.CreatedAt, record.Origin)
		if dbErr != nil {
			log.Printf("Failed to create refund record for payment %s: %v", paymentID, dbErr)
			continue
		}
		// tag.RowsAffected() == 0 means the same idempotency_key already exists
		// (a prior refund row for this payment+amount in 'failed' state — money
		// never moved, but a row exists). Dedup — skip WITHOUT consuming
		// refundRemaining so the loop can allocate to the next payment, exactly
		// as the pre-ON-CONFLICT UNIQUE-violation path behaved.
		if tag.RowsAffected() == 0 {
			log.Printf("Refund for payment %s amount £%.2f already exists (idempotency dedup) — skipping without consuming refundRemaining", paymentID, refundThisPayment)
			continue
		}

		refundRemaining -= refundThisPayment
	}

	if bookingUserID != "" {
		var loyaltyUsed bool
		if err := tx.QueryRow(ctx, "SELECT EXISTS(SELECT 1 FROM booking_discounts WHERE booking_id = $1 AND discount_source = 'loyalty')", bookingID).Scan(&loyaltyUsed); err != nil {
			log.Printf("Failed to check loyalty stamp refund for booking %s: %v", bookingID, err)
		} else if loyaltyUsed {
			_, loyaltyErr := tx.Exec(ctx, "UPDATE users SET loyalty_stamps = loyalty_stamps + $1 WHERE id = $2", LoyaltyStampCost, bookingUserID)
			if loyaltyErr != nil {
				log.Printf("Failed to refund loyalty stamps for booking %s: %v", bookingID, loyaltyErr)
			} else {
				log.Printf("Refunded %d loyalty stamps to user %s after cancellation of booking %s", LoyaltyStampCost, bookingUserID, bookingID)
			}
		}
	}

	return &calc, nil
}

// ProcessCancellationRefund calculates and records refunds for a cancelled
// booking, processing refunds against the booking's completed payments up to
// the calculated refundable amount. The wrapper owns its own transaction and
// delegates the refund loop to ProcessCancellationRefundTx
// (forceFullRefund=false) so the standalone and in-transaction callers share
// one implementation; after a successful commit it runs the post-commit
// Square pass (ProcessPendingSquareRefunds). Returns the refund calculation
// and whether any refunds were processed.
func ProcessCancellationRefund(
	ctx context.Context,
	bookingID string,
	subtotal float64,
	totalPrePaid float64,
	startTime time.Time,
	cancellationTime time.Time,
	reason string,
	actorID *string,
) (*RefundCalculationResult, error) {
	calc := CalculateRefundForCancellation(subtotal, totalPrePaid, cancellationTime, startTime)

	if calc.RefundableAmount <= 0 {
		return &calc, nil
	}

	tx, err := db.Conn.Begin(ctx)
	if err != nil {
		log.Printf("Failed to begin transaction for cancellation refund: %v", err)
		return &calc, nil
	}
	defer func() {
		if err := tx.Rollback(ctx); err != nil && !errors.Is(err, pgx.ErrTxClosed) {
			slog.Error("failed to rollback transaction", "err", err)
		}
	}()

	// Delegate the whole refund loop to the transactional variant — the
	// non-tx wrapper exists only to own the transaction lifecycle and fire the
	// post-commit Square pass (ProcessPendingSquareRefunds) after a successful
	// commit. The Tx variant returns an error ONLY on lock failure; every other
	// failure logs internally and returns (calc, nil).
	res, txErr := ProcessCancellationRefundTx(ctx, tx, bookingID, subtotal, totalPrePaid, startTime, cancellationTime, reason, actorID, false)
	if txErr != nil {
		log.Printf("Failed to acquire cancellation refund locks for booking %s: %v", bookingID, txErr)
		return &calc, txErr
	}

	if cErr := tx.Commit(ctx); cErr != nil {
		log.Printf("CRITICAL: Failed to commit cancellation refund transaction for booking %s: %v", bookingID, cErr)
		return &calc, nil
	}

	// Process pending Square refunds after the transaction commits successfully.
	// This ensures Square API calls only happen if the DB records persist.
	ProcessPendingSquareRefunds(ctx, bookingID, reason)

	return res, nil
}

// ProcessPendingSquareRefunds resolves a booking's pending cancellation card
// refunds AFTER the enclosing transaction has committed — Square API calls
// only happen if the DB records persist.
//
// Pending refunds are aggregated into ONE Square refund per charge
// (square_payment_id): split payment records sharing a single Square charge
// are refunded together, never per-row. See processChargeGroup.
func ProcessPendingSquareRefunds(ctx context.Context, bookingID string, reason string) {
	// (a) Terminal pre-pass scoped to this booking: card refunds with no
	//     Square reference can never be refunded via Square. Mark them failed
	//     so they stop retrying, and surface the affected booking in the admin
	//     notification centre for in-person arrangement. Must run OUTSIDE any
	//     GROUP BY — Postgres lumps NULLs together, so these rows can't be
	//     handled in the charge grouping below.
	rows, err := db.Conn.Query(ctx, `
		UPDATE refunds r SET status = 'failed'
		FROM payments p
		WHERE p.id = r.payment_id
		  AND r.booking_id = $1
		  AND r.status = 'pending' AND r.refund_attempts < 3
		  AND p.payment_method IN ('online_square', 'in_person_card')
		  AND p.square_payment_id IS NULL
		  AND r.origin = 'cancellation'
		RETURNING r.id
	`, bookingID)
	if err != nil {
		log.Printf("Failed to mark Square-less card refunds failed for booking %s: %v", bookingID, err)
	} else {
		var failedIDs []string
		for rows.Next() {
			var id string
			if err := rows.Scan(&id); err == nil {
				failedIDs = append(failedIDs, id)
			}
		}
		if err := rows.Err(); err != nil {
			log.Printf("Failed to iterate Square-less card refunds for booking %s: %v", bookingID, err)
		}
		rows.Close()
		if len(failedIDs) > 0 {
			log.Printf("Marked %d Square-less card refund(s) failed for booking %s (in-person arrangement needed)", len(failedIDs), bookingID)
		}
		insertRefundFailedNotifications(ctx, failedIDs)
	}

	// (b) This booking's card charges with pending refunds — one aggregated
	//     Square refund per charge.
	for _, chargeID := range queryChargesWithPendingRefunds(ctx, "r.booking_id = $1", bookingID) {
		if _, err := processChargeGroup(ctx, chargeID, fetchPendingChargeRows(ctx, chargeID), reason); err != nil {
			log.Printf("Failed to process charge %s for booking %s: %v", chargeID, bookingID, err)
		}
	}
}

// SweepPendingSquareRefunds is the scheduler job that retries every booking's
// pending cancellation card refunds. Registered in internal/jobs/cleanup.go as
// "sweep-pending-square-refunds".
func SweepPendingSquareRefunds(ctx context.Context) (int, error) {
	// (a) Terminal pre-pass across all bookings: card refunds with no Square
	//     reference can never be refunded via Square → mark failed and surface
	//     for in-person arrangement. Must run OUTSIDE any GROUP BY — Postgres
	//     lumps NULLs together, so these rows can't be handled in the charge
	//     grouping below.
	rows, err := db.Conn.Query(ctx, `
		UPDATE refunds r SET status = 'failed'
		FROM payments p
		WHERE p.id = r.payment_id
		  AND r.status = 'pending' AND r.refund_attempts < 3
		  AND p.payment_method IN ('online_square', 'in_person_card')
		  AND p.square_payment_id IS NULL
		  AND r.origin = 'cancellation'
		RETURNING r.id
	`)
	if err != nil {
		log.Printf("Failed to mark Square-less card refunds failed: %v", err)
	} else {
		var failedIDs []string
		for rows.Next() {
			var id string
			if err := rows.Scan(&id); err == nil {
				failedIDs = append(failedIDs, id)
			}
		}
		if err := rows.Err(); err != nil {
			log.Printf("Failed to iterate Square-less card refunds during sweep: %v", err)
		}
		rows.Close()
		if len(failedIDs) > 0 {
			log.Printf("Marked %d Square-less card refund(s) failed (in-person arrangement needed)", len(failedIDs))
		}
		insertRefundFailedNotifications(ctx, failedIDs)
	}

	// (b) Charges with pending refunds — one aggregated Square refund each.
	processed := 0
	for _, chargeID := range queryChargesWithPendingRefunds(ctx, "") {
		n, err := processChargeGroup(ctx, chargeID, fetchPendingChargeRows(ctx, chargeID), "scheduled_retry")
		if err != nil {
			log.Printf("Sweep: failed to process charge %s: %v", chargeID, err)
			continue
		}
		processed += n
	}

	// (c) Stale MANUAL pending refunds (the handler's ambiguous-error path) are
	// invisible to the cancellation passes above (they filter origin='manual'
	// out) — without this pass they were never retried, permanently blocking
	// the over-refund guard and depressing booking TotalPaid.
	n, err := sweepManualPendingSquareRefunds(ctx)
	if err != nil {
		log.Printf("Sweep: failed to process manual pending refunds: %v", err)
	} else {
		processed += n
	}
	return processed, nil
}

// pendingChargeRow is one eligible pending cancellation refund row tied to a
// single Square charge.
type pendingChargeRow struct {
	ID        string // refunds.id
	PaymentID string // payments.id — advisory-lock ordering
	Amount    float64
	CreatedAt time.Time
}

// queryChargesWithPendingRefunds returns the distinct square_payment_ids that
// have at least one eligible pending cancellation refund row. extraWhere is an
// optional extra SQL predicate bound by args (e.g. "r.booking_id = $1").
func queryChargesWithPendingRefunds(ctx context.Context, extraWhere string, args ...any) []string {
	q := `
		SELECT DISTINCT p.square_payment_id
		FROM refunds r
		JOIN payments p ON p.id = r.payment_id
		WHERE r.status = 'pending' AND r.refund_attempts < 3
		  AND p.square_payment_id IS NOT NULL
		  AND p.payment_method IN ('online_square', 'in_person_card')
		  AND r.origin = 'cancellation'`
	if extraWhere != "" {
		q += " AND " + extraWhere
	}
	rows, err := db.Conn.Query(ctx, q, args...)
	if err != nil {
		log.Printf("Failed to query charges with pending refunds: %v", err)
		return nil
	}
	defer rows.Close()
	var out []string
	for rows.Next() {
		var s string
		if err := rows.Scan(&s); err != nil {
			log.Printf("Failed to scan charge id: %v", err)
			continue
		}
		out = append(out, s)
	}
	if err := rows.Err(); err != nil {
		log.Printf("Charge id iteration error: %v", err)
	}
	return out
}

// fetchPendingChargeRows returns all eligible pending cancellation refund rows
// for a single Square charge, ordered by refund id.
func fetchPendingChargeRows(ctx context.Context, chargeID string) []pendingChargeRow {
	rows, err := db.Conn.Query(ctx, `
		SELECT r.id, p.id, r.amount, r.created_at
		FROM refunds r
		JOIN payments p ON p.id = r.payment_id
		WHERE p.square_payment_id = $1
		  AND r.status = 'pending' AND r.refund_attempts < 3
		  AND r.origin = 'cancellation'
		ORDER BY r.id
	`, chargeID)
	if err != nil {
		log.Printf("Failed to query pending refunds for charge %s: %v", chargeID, err)
		return nil
	}
	defer rows.Close()
	var out []pendingChargeRow
	for rows.Next() {
		var pr pendingChargeRow
		if err := rows.Scan(&pr.ID, &pr.PaymentID, &pr.Amount, &pr.CreatedAt); err != nil {
			log.Printf("Failed to scan pending refund row for charge %s: %v", chargeID, err)
			continue
		}
		out = append(out, pr)
	}
	if err := rows.Err(); err != nil {
		log.Printf("Pending refund row iteration error for charge %s: %v", chargeID, err)
	}
	return out
}

// reconcileRefundAtSquare checks Square for a COMPLETED refund matching the
// exact charge-level amount before the age guard / attempt cap marks rows
// 'failed'. Tri-state return:
//
//	(id, nil)   — exact COMPLETED refund found → caller marks rows completed
//	(nil, nil)  — genuinely no match → caller may mark rows failed
//	(nil, err)  — reconcile FAILED (network/API error) → caller MUST leave
//	              rows pending and skip the terminal transition. Marking
//	              failed on an unknown state would let the over-refund guard
//	              exclude money that actually left the business.
//
// Exact equality on amount AND status COMPLETED AND payment_id: a larger
// COMPLETED refund on the same charge is a manual per-record refund,
// attributing it would mark our rows completed when the aggregate money never
// moved.
func reconcileRefundAtSquare(ctx context.Context, chargeID string, totalCents int64, oldestCreatedAt time.Time) (*string, error) {
	refunds, err := SquareClient.ListPaymentRefunds(ctx, chargeID, oldestCreatedAt)
	if err != nil {
		log.Printf("Failed to reconcile charge %s against Square: %v", chargeID, err)
		return nil, err
	}
	for i := range refunds {
		r := &refunds[i]
		if r.PaymentID == chargeID && r.Status == "COMPLETED" && r.Amount == totalCents {
			return &r.ID, nil
		}
	}
	return nil, nil
}

// insertRefundFailedNotifications surfaces failed refunds in the admin
// notification centre — one row per affected booking. The sweep only processes
// 'pending' rows, so this fires once per row transition (no spam); the
// NOT EXISTS guard prevents duplicates on re-runs.
func insertRefundFailedNotifications(ctx context.Context, refundIDs []string) {
	if len(refundIDs) == 0 {
		return
	}
	tag, err := db.Conn.Exec(ctx, `
		INSERT INTO admin_notifications (reason, booking_id, created_at)
		SELECT DISTINCT 'refund_failed'::admin_notification_reason, booking_id, NOW()
		FROM refunds
		WHERE id = ANY($1) AND status = 'failed'
		  AND NOT EXISTS (
		      SELECT 1 FROM admin_notifications an
		      WHERE an.reason = 'refund_failed' AND an.booking_id = refunds.booking_id
		  )
	`, refundIDs)
	if err != nil {
		log.Printf("Failed to insert admin_notifications for failed refunds: %v", err)
		return
	}
	if n := int(tag.RowsAffected()); n > 0 {
		log.Printf("Inserted %d admin_notification(s) for failed refunds", n)
	}
}

// pendingRowsAtAttemptCap returns the refund ids still pending at the 3-attempt
// cap — the candidates for terminal 'failed' resolution.
func pendingRowsAtAttemptCap(ctx context.Context, ids []string) []string {
	if len(ids) == 0 {
		return nil
	}
	rows, err := db.Conn.Query(ctx, `
		SELECT id FROM refunds
		WHERE id = ANY($1) AND status = 'pending' AND refund_attempts >= 3
	`, ids)
	if err != nil {
		log.Printf("Failed to query refunds at attempt cap: %v", err)
		return nil
	}
	defer rows.Close()
	var out []string
	for rows.Next() {
		var id string
		if err := rows.Scan(&id); err != nil {
			log.Printf("Failed to scan refund id at attempt cap: %v", err)
			continue
		}
		out = append(out, id)
	}
	return out
}

// processChargeGroup issues ONE Square refund for a charge (square_payment_id)
// covering the sum of its pending cancellation refund rows — the owner
// directive that split records sharing a charge produce a single Square
// refund, never one per row.
//
// Callers pass the charge's current pending rows (fetchPendingChargeRows); the
// rows are re-read under the per-payment advisory lock so a concurrent manual
// refund or another sweep can't double-process.
func processChargeGroup(ctx context.Context, chargeID string, rows []pendingChargeRow, reason string) (int, error) {
	if len(rows) == 0 {
		return 0, nil
	}

	// Serialize against the manual RefundPayment handler: acquire the SAME
	// per-payment advisory lock (`hashtext('crussell:refund:' || payment_id)`)
	// the handler uses, in ascending payment_id order to avoid deadlocks.
	pinConn, err := db.Conn.Acquire(ctx)
	if err != nil {
		log.Printf("Failed to acquire connection for refund lock (charge %s): %v", chargeID, err)
		return 0, nil
	}
	defer pinConn.Release()

	paymentIDs := make([]string, 0, len(rows))
	seen := make(map[string]bool, len(rows))
	for _, r := range rows {
		if !seen[r.PaymentID] {
			seen[r.PaymentID] = true
			paymentIDs = append(paymentIDs, r.PaymentID)
		}
	}
	sort.Strings(paymentIDs)

	locked := 0
	for _, pid := range paymentIDs {
		// Bounded try-lock (R6) so the sweep never blocks a pool connection
		// while the manual handler holds the same key across its Square call.
		ok, lockErr := acquireAdvisoryLock(ctx, pinConn, "crussell:refund:"+pid)
		if lockErr != nil {
			log.Printf("Failed to acquire refund lock for payment %s (charge %s): %v", pid, chargeID, lockErr)
			break
		}
		if !ok {
			log.Printf("Refund lock for payment %s (charge %s) not acquired within bound — a refund is in progress", pid, chargeID)
			break
		}
		locked++
	}
	if locked < len(paymentIDs) {
		// Give up on this charge (the manual handler may hold the lock). The
		// sweep continues to the next charge rather than aborting fatally.
		for _, pid := range paymentIDs[:locked] {
			if _, err := pinConn.Exec(context.Background(), `
				SELECT pg_advisory_unlock(hashtext('crussell:refund:' || $1))
			`, pid); err != nil {
				log.Printf("Failed to release refund lock for payment %s: %v", pid, err)
			}
		}
		return 0, nil
	}
	defer func() {
		for _, pid := range paymentIDs {
			if _, err := pinConn.Exec(context.Background(), `
				SELECT pg_advisory_unlock(hashtext('crussell:refund:' || $1))
			`, pid); err != nil {
				log.Printf("Failed to release refund lock for payment %s: %v", pid, err)
			}
		}
	}()

	// Re-read under the lock — only rows still pending and under the attempt
	// cap are eligible (a concurrent manual refund may have resolved some).
	ids := make([]string, 0, len(rows))
	for _, r := range rows {
		ids = append(ids, r.ID)
	}
	pendingRows, err := db.Conn.Query(ctx, `
		SELECT id, amount, created_at FROM refunds
		WHERE id = ANY($1) AND status = 'pending' AND refund_attempts < 3
	`, ids)
	if err != nil {
		log.Printf("Failed to re-read pending refunds under lock (charge %s): %v", chargeID, err)
		return 0, nil
	}
	var pending []pendingChargeRow
	for pendingRows.Next() {
		var pr pendingChargeRow
		if err := pendingRows.Scan(&pr.ID, &pr.Amount, &pr.CreatedAt); err != nil {
			log.Printf("Failed to scan pending refund under lock (charge %s): %v", chargeID, err)
			continue
		}
		pending = append(pending, pr)
	}
	pendingRows.Close()
	if len(pending) == 0 {
		return 0, nil
	}

	// Age guard: Square's idempotency-key retention is finite (~24h). If the
	// oldest pending row predates 23 hours, re-issuing with the same charge key
	// risks Square treating it as a NEW refund → double refund. Reconcile FIRST:
	// money may already have moved at Square (response loss), and failing the
	// rows without checking would let the over-refund guard exclude money that
	// actually left the business. Only when Square shows no exact COMPLETED
	// refund do we mark failed and surface for manual review.
	oldest := pending[0].CreatedAt
	for _, pr := range pending[1:] {
		if pr.CreatedAt.Before(oldest) {
			oldest = pr.CreatedAt
		}
	}
	var totalCents int64
	for _, pr := range pending {
		totalCents += int64(math.Round(pr.Amount * 100))
	}
	if clock.Now().Sub(oldest) > 23*time.Hour {
		sqRefundID, rcErr := reconcileRefundAtSquare(ctx, chargeID, totalCents, oldest)
		switch {
		case rcErr != nil:
			// Reconcile failed — unknown whether Square refunded. Leave rows
			// pending for the next sweep; NEVER mark failed on an unknown state
			// (that would let the over-refund guard exclude moved money).
			log.Printf("Reconcile failed for aged charge %s (%v) — leaving %d refund row(s) pending for the next sweep", chargeID, rcErr, len(pending))
			return 0, nil
		case sqRefundID != nil:
			if _, upErr := db.Conn.Exec(ctx, `
				UPDATE refunds SET status = 'completed', square_refund_id = $1
				WHERE id = ANY($2) AND status = 'pending'
			`, *sqRefundID, idsOf(pending)); upErr != nil {
				log.Printf("Failed to mark aged pending refunds completed after Square reconcile (charge %s): %v", chargeID, upErr)
			}
			log.Printf("Aged card refunds for charge %s reconciled at Square — COMPLETED refund %s found, marked completed", chargeID, *sqRefundID)
			return len(pending), nil
		default:
			if _, upErr := db.Conn.Exec(ctx, `
				UPDATE refunds SET status = 'failed'
				WHERE id = ANY($1) AND status = 'pending'
			`, idsOf(pending)); upErr != nil {
				log.Printf("Failed to mark aged pending refunds failed (charge %s): %v", chargeID, upErr)
			}
			insertRefundFailedNotifications(ctx, idsOf(pending))
			// TODO (P6 email/SMS delivery): notify user AND admin when the email/SMS
			// system lands; until then the admin_notifications row above is the only
			// channel. Verify the Square dashboard first.
			log.Printf("Card refunds for charge %s are older than 23h and Square shows no COMPLETED refund — marked 'failed' and admin notified; TODO email user+admin to arrange in-person cash pickup at the salon (give at least a day's notice for cash on hand)", chargeID)
			return len(pending), nil
		}
	}

	// ONE Square refund per charge with a STABLE charge-level idempotency key.
	// The key is used ONLY for the Square call — never stored in
	// refunds.idempotency_key (the per-row keys remain the audit trail). Square
	// dedups same-key retries, so crash-retry amounts stay identical.
	sqResult, sqErr := SquareClient.RefundPayment(ctx, square.RefundPaymentReq{
		PaymentID:      chargeID,
		Amount:         totalCents,
		IdempotencyKey: chargeID + "-square-agg",
		Reason:         reason,
	})
	switch {
	case sqErr == nil:
		// Resolve by Square's status: COMPLETED resolves the group; PENDING
		// leaves the rows pending (a later sweep reconciles them via
		// ListPaymentRefunds); FAILED/REJECTED is a definitive failure that
		// must not be marked completed (that would block the amount in the
		// over-refund guard forever).
		sqStatus := "completed"
		if sqResult.Status == "PENDING" {
			sqStatus = "pending"
			log.Printf("Square refund %s for charge %s is PENDING — leaving refunds pending for the sweep", sqResult.ID, chargeID)
		} else if sqResult.Status == "FAILED" || sqResult.Status == "REJECTED" {
			sqStatus = "failed"
			log.Printf("Square refund %s for charge %s FAILED — marking refunds failed", sqResult.ID, chargeID)
		}
		// ATOMIC — one statement for the whole group, never per-row. Keeps
		// crash-retry amounts identical so Square's key-dedup returns the
		// original refund.
		if _, upErr := db.Conn.Exec(ctx, `
			UPDATE refunds SET status = $1, square_refund_id = $2
			WHERE id = ANY($3) AND status = 'pending'
		`, sqStatus, sqResult.ID, idsOf(pending)); upErr != nil {
			log.Printf("CRITICAL: Square refund committed (%s) but DB update for charge %s failed — manual reconciliation required: %v", sqResult.ID, chargeID, upErr)
		}
		return len(pending), nil

	case errors.Is(sqErr, square.ErrRefundAlreadyProcessed):
		// PAYMENT_ALREADY_REFUNDED — money already moved at Square.
		if _, upErr := db.Conn.Exec(ctx, `
			UPDATE refunds SET status = 'completed'
			WHERE id = ANY($1) AND status = 'pending'
		`, idsOf(pending)); upErr != nil {
			log.Printf("Failed to resolve refunds after PAYMENT_ALREADY_REFUNDED (charge %s): %v", chargeID, upErr)
		}
		return len(pending), nil

	case errors.Is(sqErr, square.ErrRefundDeclined):
		// Definitive decline — money will never move. Bump attempts; at >=3
		// mark failed and surface for manual arrangement.
		if _, upErr := db.Conn.Exec(ctx, `
			UPDATE refunds SET refund_attempts = refund_attempts + 1
			WHERE id = ANY($1) AND status = 'pending'
		`, idsOf(pending)); upErr != nil {
			log.Printf("Failed to increment refund attempts (charge %s): %v", chargeID, upErr)
		}
		if capIDs := pendingRowsAtAttemptCap(ctx, idsOf(pending)); len(capIDs) > 0 {
			if _, upErr := db.Conn.Exec(ctx, `
				UPDATE refunds SET status = 'failed'
				WHERE id = ANY($1) AND status = 'pending' AND refund_attempts >= 3
			`, capIDs); upErr != nil {
				log.Printf("Failed to mark refunds failed after 3 attempts (charge %s): %v", chargeID, upErr)
			}
			insertRefundFailedNotifications(ctx, capIDs)
			// TODO (P6 email/SMS delivery): notify user AND admin when the email/SMS
			// system lands; until then the admin_notifications row above is the only
			// channel. Arrange in-person cash pickup at the salon (a day's notice for
			// cash on hand).
			log.Printf("Card refund for charge %s definitively declined by Square — marked 'failed' and admin notified; TODO email user+admin to arrange in-person cash pickup at the salon (give at least a day's notice for cash on hand)", chargeID)
		}
		return 0, nil

	default:
		// Ambiguous — Square may or may not have processed. Retried by the
		// sweep, capped at 3 attempts.
		if _, upErr := db.Conn.Exec(ctx, `
			UPDATE refunds SET refund_attempts = refund_attempts + 1
			WHERE id = ANY($1) AND status = 'pending'
		`, idsOf(pending)); upErr != nil {
			log.Printf("Failed to increment refund attempts (charge %s): %v", chargeID, upErr)
		}
		// At the cap, money may have moved at Square despite the ambiguous
		// responses — reconcile BEFORE marking failed (same bug class as the
		// age guard). An exact COMPLETED refund resolves to completed.
		if capIDs := pendingRowsAtAttemptCap(ctx, idsOf(pending)); len(capIDs) > 0 {
			sqRefundID, rcErr := reconcileRefundAtSquare(ctx, chargeID, totalCents, oldest)
			switch {
			case rcErr != nil:
				// Reconcile failed — unknown whether Square refunded. Leave
				// rows pending for the next sweep; NEVER mark failed on an
				// unknown state (that would let the over-refund guard exclude
				// moved money).
				log.Printf("Reconcile failed for ambiguous charge %s (%v) — leaving %d refund row(s) pending for the next sweep", chargeID, rcErr, len(capIDs))
			case sqRefundID != nil:
				if _, upErr := db.Conn.Exec(ctx, `
					UPDATE refunds SET status = 'completed', square_refund_id = $1
					WHERE id = ANY($2) AND status = 'pending'
				`, *sqRefundID, capIDs); upErr != nil {
					log.Printf("Failed to mark ambiguous refunds completed after Square reconcile (charge %s): %v", chargeID, upErr)
				}
				log.Printf("Ambiguous card refunds for charge %s reconciled at Square — COMPLETED refund %s found, marked completed", chargeID, *sqRefundID)
			default:
				if _, upErr := db.Conn.Exec(ctx, `
					UPDATE refunds SET status = 'failed'
					WHERE id = ANY($1) AND status = 'pending' AND refund_attempts >= 3
				`, capIDs); upErr != nil {
					log.Printf("Failed to mark refunds failed after 3 attempts (charge %s): %v", chargeID, upErr)
				}
				insertRefundFailedNotifications(ctx, capIDs)
				// TODO (P6 email/SMS delivery): notify user AND admin when the email/SMS
				// system lands; until then the admin_notifications row above is the only
				// channel.
				log.Printf("Card refund for charge %s is AMBIGUOUS (Square may have processed it) and no COMPLETED refund found at Square — marked 'failed' and admin notified; TODO email user+admin, VERIFY Square dashboard before arranging in-person cash pickup at the salon (give at least a day's notice for cash on hand)", chargeID)
			}
		}
		return 0, nil
	}
}

func idsOf(rows []pendingChargeRow) []string {
	ids := make([]string, 0, len(rows))
	for _, r := range rows {
		ids = append(ids, r.ID)
	}
	return ids
}

// manualPendingRow is one stale manual refund row eligible for the sweep's
// resolution. It covers BOTH pending shapes the RefundPayment handler can
// leave behind:
//   - square_refund_id set: the handler's synchronous-PENDING response (Square
//     already holds the refund, status='pending') — reconciled, never re-issued.
//   - square_refund_id NULL: the handler's ambiguous-error path — re-issued
//     with the row's OWN stored idempotency key.
type manualPendingRow struct {
	ID              string
	PaymentID       string
	Amount          float64
	IdempotencyKey  string
	Reason          string
	SquarePaymentID string
	SquareRefundID  string // set when the handler's synchronous-PENDING path stored the refund id
	CreatedAt       time.Time
}

// sweepManualPendingSquareRefunds retries stale MANUAL refunds left 'pending'
// by the RefundPayment handler. The cancellation passes filter
// origin='cancellation', so manual rows were never re-attempted: they
// permanently blocked the over-refund guard and depressed booking TotalPaid.
// Rows are split per-row by their stored square_refund_id: rows WITH one (the
// handler's synchronous-PENDING response) are reconciled at Square — never
// re-issued; rows WITHOUT one (the ambiguous-error path) are re-issued with
// their OWN stored idempotency key (Square dedups same-key retries, so the
// retry is idempotent).
func sweepManualPendingSquareRefunds(ctx context.Context) (int, error) {
	rows, err := db.Conn.Query(ctx, `
		SELECT r.id, r.payment_id, r.amount, r.idempotency_key, r.reason,
		       p.square_payment_id, r.square_refund_id, r.created_at
		FROM refunds r
		JOIN payments p ON p.id = r.payment_id
		WHERE r.status = 'pending' AND r.origin = 'manual'
		  AND r.refund_attempts < 3
		  AND p.square_payment_id IS NOT NULL
		ORDER BY r.payment_id, r.id
	`)
	if err != nil {
		log.Printf("Failed to query manual pending refunds for retry: %v", err)
		return 0, nil
	}
	var pending []manualPendingRow
	for rows.Next() {
		var pr manualPendingRow
		var key *string
		var sqRefundID *string
		if err := rows.Scan(&pr.ID, &pr.PaymentID, &pr.Amount, &key, &pr.Reason, &pr.SquarePaymentID, &sqRefundID, &pr.CreatedAt); err != nil {
			log.Printf("Failed to scan manual pending refund: %v", err)
			continue
		}
		if key != nil {
			pr.IdempotencyKey = *key
		}
		if sqRefundID != nil {
			pr.SquareRefundID = *sqRefundID
		}
		pending = append(pending, pr)
	}
	rows.Close()
	if len(pending) == 0 {
		return 0, nil
	}

	// Group by payment_id, ascending — matching the lock ordering the manual
	// handler and processChargeGroup use so the sweep never deadlocks them.
	groups := make(map[string][]manualPendingRow)
	var paymentIDs []string
	for _, pr := range pending {
		if _, ok := groups[pr.PaymentID]; !ok {
			paymentIDs = append(paymentIDs, pr.PaymentID)
		}
		groups[pr.PaymentID] = append(groups[pr.PaymentID], pr)
	}
	sort.Strings(paymentIDs)

	processed := 0
	for _, pid := range paymentIDs {
		n, err := processManualPaymentGroup(ctx, pid, groups[pid])
		if err != nil {
			log.Printf("Sweep: failed to process manual pending refunds for payment %s: %v", pid, err)
			continue
		}
		processed += n
	}
	return processed, nil
}

// processManualPaymentGroup retries one payment's stale manual pending refunds
// under the SAME per-payment advisory lock the manual RefundPayment handler
// holds across its guard read — so a re-issued refund can never double-spend
// against a concurrent manual refund. Rows are re-read under the lock; each is
// issued to Square with its OWN stored idempotency key and stored reason.
func processManualPaymentGroup(ctx context.Context, paymentID string, rows []manualPendingRow) (int, error) {
	pinConn, err := db.Conn.Acquire(ctx)
	if err != nil {
		return 0, err
	}
	defer pinConn.Release()
	// Bounded try-lock (R6) so the sweep never blocks a pool connection while
	// the manual handler holds the same key across its Square call.
	lockOK, err := acquireAdvisoryLock(ctx, pinConn, "crussell:refund:"+paymentID)
	if err != nil {
		return 0, err
	}
	if !lockOK {
		log.Printf("Refund lock for payment %s not acquired within bound — a manual refund is in progress; leaving rows pending for the next sweep", paymentID)
		return 0, nil
	}
	defer func() {
		if _, err := pinConn.Exec(context.Background(), `
			SELECT pg_advisory_unlock(hashtext('crussell:refund:' || $1))
		`, paymentID); err != nil {
			log.Printf("Failed to release refund lock for payment %s: %v", paymentID, err)
		}
	}()

	ids := make([]string, 0, len(rows))
	for _, r := range rows {
		ids = append(ids, r.ID)
	}
	// Re-read under the lock — only rows still pending and under the attempt
	// cap are eligible (a concurrent manual refund may have resolved some).
	prRows, err := db.Conn.Query(ctx, `
		SELECT r.id, r.amount, r.idempotency_key, r.reason, r.created_at,
		       r.payment_id, p.square_payment_id, r.square_refund_id
		FROM refunds r
		JOIN payments p ON p.id = r.payment_id
		WHERE r.id = ANY($1) AND r.status = 'pending' AND r.refund_attempts < 3
		ORDER BY r.id
	`, ids)
	if err != nil {
		return 0, err
	}
	var pending []manualPendingRow
	for prRows.Next() {
		var pr manualPendingRow
		var key *string
		var sqRefundID *string
		if err := prRows.Scan(&pr.ID, &pr.Amount, &key, &pr.Reason, &pr.CreatedAt, &pr.PaymentID, &pr.SquarePaymentID, &sqRefundID); err != nil {
			log.Printf("Failed to scan manual pending refund under lock: %v", err)
			continue
		}
		if key != nil {
			pr.IdempotencyKey = *key
		}
		if sqRefundID != nil {
			pr.SquareRefundID = *sqRefundID
		}
		pending = append(pending, pr)
	}
	prRows.Close()
	if len(pending) == 0 {
		return 0, nil
	}

	// Age guard (mirrors processChargeGroup): Square's idempotency-key
	// retention is finite (~24h). Reconcile FIRST — an exact COMPLETED refund
	// at Square resolves to completed even though our rows are stale.
	oldest := pending[0].CreatedAt
	for _, pr := range pending[1:] {
		if pr.CreatedAt.Before(oldest) {
			oldest = pr.CreatedAt
		}
	}
	if clock.Now().Sub(oldest) > 23*time.Hour {
		processedAged := 0
		for i := range pending {
			pr := &pending[i]
			amountCents := int64(math.Round(pr.Amount * 100))
			sqRefundID, rcErr := reconcileRefundAtSquare(ctx, pr.SquarePaymentID, amountCents, pr.CreatedAt)
			switch {
			case rcErr != nil:
				// Reconcile failed — unknown whether Square refunded. Leave
				// this row pending for the next sweep; NEVER mark failed on an
				// unknown state.
				log.Printf("Reconcile failed for aged manual refund %s (%v) — leaving pending for the next sweep", pr.ID, rcErr)
			case sqRefundID != nil:
				if _, upErr := db.Conn.Exec(ctx, `
					UPDATE refunds SET status = 'completed', square_refund_id = $1
					WHERE id = $2 AND status = 'pending'
				`, *sqRefundID, pr.ID); upErr != nil {
					log.Printf("Failed to mark aged manual refund %s completed after Square reconcile: %v", pr.ID, upErr)
				}
				processedAged++
			default:
				if _, upErr := db.Conn.Exec(ctx, `
					UPDATE refunds SET status = 'failed'
					WHERE id = $1 AND status = 'pending'
				`, pr.ID); upErr != nil {
					log.Printf("Failed to mark aged manual refund %s failed: %v", pr.ID, upErr)
				}
				insertRefundFailedNotifications(ctx, []string{pr.ID})
				// TODO (P6 email/SMS delivery): notify user AND admin when the email/SMS
				// system lands; until then the admin_notifications row above is the only
				// channel.
				log.Printf("Manual refund %s is older than 23h and Square shows no COMPLETED refund — marked 'failed' and admin notified; TODO email user+admin to arrange in-person cash pickup at the salon (give at least a day's notice for cash on hand)", pr.ID)
			}
		}
		return processedAged, nil
	}

	processed := 0
	for i := range pending {
		pr := &pending[i]
		amountCents := int64(math.Round(pr.Amount * 100))

		// Row WITH a stored square_refund_id — the RefundPayment handler's
		// synchronous-PENDING response. Square already holds the refund, so a
		// re-issue would risk a SECOND refund (Square's key dedup does not
		// protect a fresh key). Reconcile instead: an exact COMPLETED refund at
		// Square resolves the row; a genuine no-match means Square never
		// recorded it → failed + admin notification; a reconcile error is an
		// UNKNOWN state → leave pending (never mark failed on an unknown state,
		// that would let the over-refund guard exclude money that may have
		// moved). Mirrors the 23h age-guard branch above.
		if pr.SquareRefundID != "" {
			sqRefundID, rcErr := reconcileRefundAtSquare(ctx, pr.SquarePaymentID, amountCents, pr.CreatedAt)
			switch {
			case rcErr != nil:
				log.Printf("Reconcile failed for pending manual refund %s (square_refund_id %s, %v) — leaving pending for the next sweep", pr.ID, pr.SquareRefundID, rcErr)
			case sqRefundID != nil:
				if _, upErr := db.Conn.Exec(ctx, `
					UPDATE refunds SET status = 'completed', square_refund_id = $1
					WHERE id = $2 AND status = 'pending'
				`, *sqRefundID, pr.ID); upErr != nil {
					log.Printf("Failed to mark manual refund %s completed after Square reconcile: %v", pr.ID, upErr)
				}
				processed++
			default:
				if _, upErr := db.Conn.Exec(ctx, `
					UPDATE refunds SET status = 'failed'
					WHERE id = $1 AND status = 'pending'
				`, pr.ID); upErr != nil {
					log.Printf("Failed to mark manual refund %s failed after Square reconcile showed no refund: %v", pr.ID, upErr)
				}
				insertRefundFailedNotifications(ctx, []string{pr.ID})
				log.Printf("Manual refund %s (square_refund_id %s) has no COMPLETED refund at Square — marked 'failed' and admin notified; TODO email user+admin to VERIFY the Square dashboard before arranging in-person cash pickup at the salon (give at least a day's notice for cash on hand)", pr.ID, pr.SquareRefundID)
			}
			continue
		}

		sqResult, sqErr := SquareClient.RefundPayment(ctx, square.RefundPaymentReq{
			PaymentID:      pr.SquarePaymentID,
			Amount:         amountCents,
			IdempotencyKey: pr.IdempotencyKey,
			Reason:         pr.Reason,
		})
		switch {
		case sqErr == nil:
			if _, upErr := db.Conn.Exec(ctx, `
				UPDATE refunds SET status = 'completed', square_refund_id = $1
				WHERE id = $2
			`, sqResult.ID, pr.ID); upErr != nil {
				log.Printf("CRITICAL: Square refund committed (%s) but DB update for manual refund %s failed — manual reconciliation required: %v", sqResult.ID, pr.ID, upErr)
			}
			processed++

		case errors.Is(sqErr, square.ErrRefundAlreadyProcessed):
			if _, upErr := db.Conn.Exec(ctx, `
				UPDATE refunds SET status = 'completed'
				WHERE id = $1
			`, pr.ID); upErr != nil {
				log.Printf("Failed to resolve manual refund %s completed after PAYMENT_ALREADY_REFUNDED: %v", pr.ID, upErr)
			}
			processed++

		case errors.Is(sqErr, square.ErrRefundDeclined):
			if _, upErr := db.Conn.Exec(ctx, `
				UPDATE refunds SET refund_attempts = refund_attempts + 1
				WHERE id = $1
			`, pr.ID); upErr != nil {
				log.Printf("Failed to increment attempts for manual refund %s: %v", pr.ID, upErr)
			}
			if attempts := currentRefundAttempts(ctx, pr.ID); attempts >= 3 {
				resolveManualRefundAtCap(ctx, pr, amountCents)
			}

		default:
			// Ambiguous — Square may or may not have processed. Retried by the
			// sweep, capped at 3 attempts.
			if _, upErr := db.Conn.Exec(ctx, `
				UPDATE refunds SET refund_attempts = refund_attempts + 1
				WHERE id = $1
			`, pr.ID); upErr != nil {
				log.Printf("Failed to increment attempts for manual refund %s: %v", pr.ID, upErr)
			}
			if attempts := currentRefundAttempts(ctx, pr.ID); attempts >= 3 {
				resolveManualRefundAtCap(ctx, pr, amountCents)
			}
		}
	}
	return processed, nil
}

// resolveManualRefundAtCap reconciles a manual refund row that just hit the
// 3-attempt cap: money may have moved at Square despite decline/ambiguous
// responses, so reconcile FIRST — an exact COMPLETED refund resolves the row to
// completed; otherwise mark failed and notify the admin.
func resolveManualRefundAtCap(ctx context.Context, pr *manualPendingRow, amountCents int64) {
	sqRefundID, rcErr := reconcileRefundAtSquare(ctx, pr.SquarePaymentID, amountCents, pr.CreatedAt)
	switch {
	case rcErr != nil:
		// Reconcile failed — unknown whether Square refunded. Leave the row
		// pending for the next sweep; NEVER mark failed on an unknown state
		// (that would let the over-refund guard exclude moved money).
		log.Printf("Reconcile failed for manual refund %s at attempt cap (%v) — leaving pending for the next sweep", pr.ID, rcErr)
	case sqRefundID != nil:
		if _, upErr := db.Conn.Exec(ctx, `
			UPDATE refunds SET status = 'completed', square_refund_id = $1
			WHERE id = $2
		`, *sqRefundID, pr.ID); upErr != nil {
			log.Printf("Failed to mark manual refund %s completed after Square reconcile: %v", pr.ID, upErr)
		}
	default:
		if _, upErr := db.Conn.Exec(ctx, `
			UPDATE refunds SET status = 'failed'
			WHERE id = $1
		`, pr.ID); upErr != nil {
			log.Printf("Failed to mark manual refund %s failed after 3 attempts: %v", pr.ID, upErr)
		}
		insertRefundFailedNotifications(ctx, []string{pr.ID})
		// TODO (P6 email/SMS delivery): notify user AND admin when the email/SMS
		// system lands; until then the admin_notifications row above is the only
		// channel.
		log.Printf("Manual refund %s reached 3 attempts with no COMPLETED refund found at Square — marked 'failed' and admin notified; TODO email user+admin, VERIFY Square dashboard before arranging in-person cash pickup at the salon (give at least a day's notice for cash on hand)", pr.ID)
	}
}

func currentRefundAttempts(ctx context.Context, refundID string) int {
	var n int
	if err := db.Conn.QueryRow(ctx, `SELECT refund_attempts FROM refunds WHERE id = $1`, refundID).Scan(&n); err != nil {
		log.Printf("Failed to read refund_attempts for %s: %v", refundID, err)
	}
	return n
}