app/api/stripe_connect.py

"""Author RAG — Stripe Connect: Referral Payout Automation.

When a referral commission reaches the $100 threshold, this service
transfers the balance to the referrer's Stripe Connect account.

Flow:
  1. Referrer creates a Stripe Connect Express account (onboard flow)
  2. We store their stripe_connect_account_id on their User record
  3. When commission sum >= $100, we call stripe.Transfer.create()
  4. Referrer receives funds in their bank account via Stripe

Routes:
  POST /api/admin/{slug}/connect/onboard    → get Stripe Connect onboarding URL
  GET  /api/admin/{slug}/connect/status     → check Connect account status
  POST /api/admin/{slug}/connect/payout     → trigger manual payout (SuperAdmin)
  GET  /api/admin/{slug}/connect/payouts    → list past payouts
"""

import structlog
from fastapi import APIRouter, Depends, HTTPException
from sqlalchemy import select, func, update
from sqlalchemy.ext.asyncio import AsyncSession

from app.config import get_settings
from app.dependencies import get_current_author, get_db
from app.models.referral import ReferralCommission
from app.models.user import User

logger = structlog.get_logger(__name__)
cfg = get_settings()
router = APIRouter(prefix="/connect", tags=["Stripe Connect"])

PAYOUT_THRESHOLD_USD = 100.0


@router.post("/{slug}/onboard")
async def onboard_connect_account(
    slug: str,
    db: AsyncSession = Depends(get_db),
    author=Depends(get_current_author),
):
    """Initiate Stripe Connect Express onboarding.

    Returns a URL the author visits to connect their bank account.
    Stripe redirects back to /dashboard after completion.
    """
    if author.id != slug:
        raise HTTPException(403, "Forbidden")

    try:
        import stripe
        stripe.api_key = cfg.STRIPE_SECRET_KEY

        # Create Express account if not already connected
        connect_id = getattr(author, "stripe_connect_account_id", None)
        if not connect_id:
            account = stripe.Account.create(
                type="express",
                country="US",
                email=author.email,
                capabilities={"transfers": {"requested": True}},
                business_profile={"mcc": "7372", "url": cfg.FRONTEND_URL},
            )
            connect_id = account.id
            await db.execute(
                update(User).where(User.id == slug)
                .values(stripe_connect_account_id=connect_id)
            )
            await db.commit()

        # Generate onboarding link (expires in 5 mins)
        link = stripe.AccountLink.create(
            account=connect_id,
            refresh_url=f"{cfg.FRONTEND_URL}/dashboard?connect=refresh",
            return_url=f"{cfg.FRONTEND_URL}/dashboard?connect=success",
            type="account_onboarding",
        )
        return {"onboarding_url": link.url, "connect_account_id": connect_id}

    except ImportError:
        raise HTTPException(503, "stripe package not installed")
    except Exception as e:
        raise HTTPException(502, f"Stripe Connect error: {e}")


@router.get("/{slug}/status")
async def connect_status(
    slug: str,
    db: AsyncSession = Depends(get_db),
    author=Depends(get_current_author),
):
    """Check Stripe Connect account status + pending payout balance."""
    if author.id != slug:
        raise HTTPException(403, "Forbidden")

    connect_id = getattr(author, "stripe_connect_account_id", None)
    if not connect_id:
        return {"connected": False, "message": "No Stripe Connect account linked."}

    try:
        import stripe
        stripe.api_key = cfg.STRIPE_SECRET_KEY
        account = stripe.Account.retrieve(connect_id)

        # Pending commissions
        pending_r = await db.execute(
            select(func.sum(ReferralCommission.commission_amount_usd))
            .where(
                ReferralCommission.referrer_id == slug,
                ReferralCommission.status == "approved",
            )
        )
        pending_usd = float(pending_r.scalar() or 0)

        return {
            "connected": True,
            "connect_account_id": connect_id,
            "payouts_enabled": account.payouts_enabled,
            "charges_enabled": account.charges_enabled,
            "pending_payout_usd": round(pending_usd, 2),
            "payout_ready": pending_usd >= PAYOUT_THRESHOLD_USD,
            "threshold_usd": PAYOUT_THRESHOLD_USD,
        }
    except Exception as e:
        raise HTTPException(502, f"Stripe error: {e}")


@router.post("/{slug}/payout")
async def trigger_payout(
    slug: str,
    db: AsyncSession = Depends(get_db),
    author=Depends(get_current_author),
):
    """Trigger referral commission payout via Stripe Transfer.

    Transfers all approved commissions to the author's Connect account.
    Requires payouts_enabled on their Connect account.
    """
    if author.id != slug:
        raise HTTPException(403, "Forbidden")

    connect_id = getattr(author, "stripe_connect_account_id", None)
    if not connect_id:
        raise HTTPException(400, "No Stripe Connect account. Complete onboarding first.")

    # Sum approved commissions
    pending_r = await db.execute(
        select(ReferralCommission)
        .where(
            ReferralCommission.referrer_id == slug,
            ReferralCommission.status == "approved",
        )
    )
    commissions = list(pending_r.scalars())
    total_usd = sum(c.commission_amount_usd for c in commissions)

    if total_usd < PAYOUT_THRESHOLD_USD:
        raise HTTPException(
            400,
            f"Pending balance ${total_usd:.2f} is below ${PAYOUT_THRESHOLD_USD} threshold."
        )

    try:
        import stripe
        stripe.api_key = cfg.STRIPE_SECRET_KEY

        # Transfer in cents
        amount_cents = int(total_usd * 100)
        transfer = stripe.Transfer.create(
            amount=amount_cents,
            currency="usd",
            destination=connect_id,
            description=f"Referral commission payout for {slug}",
            metadata={"author_id": slug, "commission_count": str(len(commissions))},
        )

        # Mark commissions as paid
        from datetime import datetime, timezone
        from sqlalchemy import update as sql_update
        ids = [c.id for c in commissions]
        await db.execute(
            sql_update(ReferralCommission)
            .where(ReferralCommission.id.in_(ids))
            .values(status="paid", paid_at=datetime.now(timezone.utc))
        )
        await db.commit()

        logger.info("Referral payout completed", author=slug, amount=total_usd, transfer=transfer.id)
        return {
            "success": True,
            "transfer_id": transfer.id,
            "amount_usd": total_usd,
            "commissions_paid": len(commissions),
        }
    except Exception as e:
        logger.error("Payout failed", author=slug, error=str(e))
        raise HTTPException(502, f"Transfer failed: {e}")