payments-dashboard/tests/boaRecon.test.js

import { test } from "node:test";
import assert from "node:assert/strict";
import {
  BAI_CODE_EVENTS,
  amountsEqual,
  applyEvent,
  classifyTransaction,
  isCancelStatus,
  isValidISODate,
  matchCheckTransaction,
  matchElectronicReturn,
  resolveDateRange,
} from "../src/boaRecon.js";

// Description fixtures are real statement lines from the 2026-07-21
// reconciliation (amounts/refs anonymized where they don't matter).

test("classifier: BAI code 475 is a check paid debit", () => {
  const c = classifyTransaction({
    transactionCode: "475",
    customerReference: "0001122200030",
    bankReference: "813312345",
    amount: "1,892.62",
  });
  assert.equal(c.event, "check_paid");
  assert.equal(c.direction, "debit");
  assert.equal(c.checkNumber, "1122200030");
  assert.equal(c.amount, 1892.62);
  assert.equal(BAI_CODE_EVENTS["475"].event, "check_paid");
});

test("classifier: statement-style 'Check <n>' description is check paid", () => {
  const c = classifyTransaction({ text: "Check 3176", amount: "-350" });
  assert.equal(c.event, "check_paid");
  assert.equal(c.checkNumber, "3176");
});

test("classifier: ARP refer-to-maker return credit", () => {
  const c = classifyTransaction({
    transactionCode: "354",
    text: "ARP RETURNED CHECK REFER TO MAKER CHECK # 1122200030 PAID DATE 02/19/26",
    amount: "1,892.62",
  });
  assert.equal(c.event, "check_return");
  assert.equal(c.direction, "credit");
  assert.equal(c.checkNumber, "1122200030");
});

test("classifier: return of posted check, check-numbered variant", () => {
  const c = classifyTransaction({
    text: "RETURN OF POSTED CHECK / ITEM (RECEIVED ON 03-02) CHECK #1122200236",
    amount: "3,350.00",
  });
  assert.equal(c.event, "check_return");
  assert.equal(c.checkNumber, "1122200236");
});

test("classifier: return of posted check, electronic variant has no check number", () => {
  const c = classifyTransaction({
    text: "RETURN OF POSTED CHECK / ITEM (RECEIVED ON 03-02) ELECTRONIC TRANSACTION",
    amount: "3,992.15",
  });
  assert.equal(c.event, "electronic_return");
  assert.equal(c.checkNumber, null);
});

test("classifier: ACH CCD debit without embedded payment number", () => {
  const c = classifyTransaction({
    text: "FISK EXCAVATING DES:PAYMENTS ID:PMT 6814295 INDN:Sea Haven Industries, CO ID:1811679038 CCD PMT INFO:Fisk Excavating Inc",
    amount: "-650",
  });
  assert.equal(c.event, "ach_debit");
  assert.equal(c.pmtId, "6814295");
  assert.equal(c.embeddedPaymentNumber, null);
  assert.equal(c.vendorText, "Fisk Excavating Inc");
});

test("classifier: ACH debit with embedded payment number", () => {
  const c = classifyTransaction({
    text: "COBRA SEPTIC DES:PAYMENTS ID:PMT 7584198 INDN:Sea Haven Industries, CO ID:1811679038 CCD PMT INFO:Cobra Septic 21222000264",
    amount: "-8,300.00",
  });
  assert.equal(c.event, "ach_debit");
  assert.equal(c.pmtId, "7584198");
  assert.equal(c.embeddedPaymentNumber, "21222000264");
  assert.equal(c.vendorText, "Cobra Septic");
});

test("classifier: embedded payment number with internal space '21 222000273'", () => {
  const c = classifyTransaction({
    text: "HALL PUMP SALES DES:PAYMENTS ID:PMT 7617407 INDN:Sea Haven Industries, CO ID:1811679038 CCD PMT INFO:Hall Pump Sales & Service Corporation 21 222000273",
    amount: "-5,495.00",
  });
  assert.equal(c.embeddedPaymentNumber, "21222000273");
  assert.equal(c.vendorText, "Hall Pump Sales & Service Corporation");
});

test("classifier: embedded payment number with internal space '2122200 0256'", () => {
  const c = classifyTransaction({
    text: "STERLING SEPTIC DES:PAYMENTS ID:PMT 7603631 INDN:Sea Haven Industries, CO ID:1811679038 CCD PMT INFO:Sterling Septic & Plumbing, LLC. 2122200 0256",
    amount: "-1,407.59",
  });
  assert.equal(c.embeddedPaymentNumber, "21222000256");
  assert.equal(c.vendorText, "Sterling Septic & Plumbing, LLC.");
});

test("classifier: ACH reversal credit reusing PMT id is ach_return", () => {
  const c = classifyTransaction({
    text: "SEA HAVEN INDUST DES:PAYMENTS ID:PMT 7176466 INDN:Sea Haven Industries, CO ID:1811679038 CCD PMT INFO:Sea Haven Industries, Inc 21222000128",
    amount: "2,100.00",
  });
  assert.equal(c.event, "ach_return");
  assert.equal(c.pmtId, "7176466");
  assert.equal(c.embeddedPaymentNumber, "21222000128");
});

test("classifier: short trailing digits are not an embedded payment number", () => {
  const c = classifyTransaction({
    text: "SOME VENDOR DES:PAYMENTS ID:PMT 700001 INDN:Sea Haven Industries, CO ID:1811679038 CCD PMT INFO:Vendor Company 2000",
    amount: "-100.00",
  });
  assert.equal(c.embeddedPaymentNumber, null);
  assert.equal(c.vendorText, "Vendor Company 2000");
});

test("classifier: unknown code on a check-shaped transaction is 'unknown', never dropped", () => {
  const c = classifyTransaction({
    transactionCode: "699",
    customerReference: "3301",
    text: "SOMETHING NEW",
    amount: "-100.00",
  });
  assert.equal(c.event, "unknown");
  assert.equal(c.checkShaped, true);
  assert.equal(c.code, "699");
});

test("classifier: transfers and misc bank activity are ignored", () => {
  const c = classifyTransaction({
    text: "ACCOUNT TRANSFER TRSF FROM 483096772516",
    amount: "15,000.00",
  });
  assert.equal(c.event, "ignored");
  // Not check-shaped (no code, no reference, no CHECK text) -> ignored too.
  const c2 = classifyTransaction({ text: "RETURN ITEM CHARGEBACK", amount: "-215" });
  assert.equal(c2.event, "ignored");
});

test("amountsEqual: comma-tolerant, sign-insensitive, zero never matches", () => {
  assert.equal(amountsEqual("1,892.62", -1892.62), true);
  assert.equal(amountsEqual(0, 0), false);
  assert.equal(amountsEqual("", ""), false);
});

// ---------------------------------------------------------------- matcher

const payment = (over = {}) => ({
  pk: `payment#${over.check_number ?? "1001"}`,
  check_number: "1001",
  method: "Check",
  amount_usd: 500,
  status: "Outstanding",
  send_payment_on: "07/01/2026",
  ...over,
});

test("matcher: check number AND amount must both match", () => {
  const payments = [payment({ check_number: "1001", amount_usd: 500 })];
  const m = matchCheckTransaction({ checkNumber: "1001", amount: 500 }, payments, "2026-07-20");
  assert.equal(m.payment, payments[0]);
  assert.equal(m.matchedBy, "number+amount");
});

test("matcher: number match with wrong amount falls back to unique exact-amount match", () => {
  const payments = [
    payment({ check_number: "1001", amount_usd: 500 }),
    payment({ check_number: "1002", amount_usd: 750.25, pk: "payment#1002" }),
  ];
  // Posting collapsed onto 1001's number but carries 1002's amount.
  const m = matchCheckTransaction({ checkNumber: "1001", amount: 750.25 }, payments, "2026-07-20");
  assert.equal(m.payment.check_number, "1002");
  assert.equal(m.matchedBy, "amount");
});

test("matcher: collapsed number we never issued still recovers by amount", () => {
  const payments = [payment({ check_number: "11222000123", amount_usd: 6413 })];
  const m = matchCheckTransaction({ checkNumber: "1222000012", amount: 6413 }, payments, "2026-07-20");
  assert.equal(m.payment.check_number, "11222000123");
  assert.equal(m.matchedBy, "amount");
});

test("matcher: ambiguous amount fallback is unmatched — no write", () => {
  const payments = [
    payment({ check_number: "1001", amount_usd: 500 }),
    payment({ check_number: "1002", amount_usd: 350, pk: "payment#1002" }),
    payment({ check_number: "1003", amount_usd: 350, pk: "payment#1003" }),
  ];
  const m = matchCheckTransaction({ checkNumber: "1001", amount: 350 }, payments, "2026-07-20");
  assert.equal(m.payment, undefined);
  assert.match(m.unmatched, /ambiguous/);
});

test("matcher: zero candidates is unmatched", () => {
  const m = matchCheckTransaction({ checkNumber: "9999", amount: 123.45 }, [payment()], "2026-07-20");
  assert.equal(m.payment, undefined);
});

test("matcher: amount fallback only considers checks issued in the last 120 days", () => {
  const payments = [
    payment({ check_number: "1001", amount_usd: 350, send_payment_on: "01/02/2026" }),
  ];
  const m = matchCheckTransaction({ checkNumber: "2001", amount: 350 }, payments, "2026-07-20");
  assert.equal(m.payment, undefined);
});

test("matcher: non-Check payments are never check-match candidates", () => {
  const payments = [payment({ method: "ACH", check_number: "21222000264", amount_usd: 350 })];
  const m = matchCheckTransaction({ checkNumber: "21222000264", amount: 350 }, payments, "2026-07-20");
  assert.equal(m.payment, undefined);
});

test("electronic return: unique amount among bank-confirmed payments matches", () => {
  const payments = [
    payment({ check_number: "1001", amount_usd: 3992.15, clear_status: "Cleared" }),
    payment({ check_number: "1002", amount_usd: 3992.15, pk: "payment#1002" }), // not bank-confirmed
  ];
  const m = matchElectronicReturn({ amount: 3992.15 }, payments, "2026-07-20");
  assert.equal(m.payment.check_number, "1001");
});

test("electronic return: ambiguity is unmatched", () => {
  const payments = [
    payment({ check_number: "1001", amount_usd: 2500, clear_status: "Cleared" }),
    payment({ check_number: "1002", amount_usd: 2500, clear_status: "Cleared", pk: "payment#1002" }),
  ];
  const m = matchElectronicReturn({ amount: 2500 }, payments, "2026-07-20");
  assert.equal(m.payment, undefined);
  assert.match(m.unmatched, /ambiguous/);
});

// ------------------------------------------------------------ transitions

const paidEvent = (over = {}) => ({
  event: "check_paid",
  amount: 500,
  bankReference: "813300001",
  ...over,
});
const returnEvent = (over = {}) => ({
  event: "check_return",
  amount: 500,
  bankReference: "813300002",
  ...over,
});

test("transitions: paid debit sets BOTH status and clear_status to Cleared with dates", () => {
  const p = payment();
  const r = applyEvent(p, paidEvent(), "2026-07-19");
  assert.equal(r.kind, "cleared");
  assert.equal(r.updates.status, "Cleared");
  assert.equal(r.updates.clear_status, "Cleared");
  assert.equal(r.updates.paid_date, "2026-07-19");
  assert.equal(r.updates.cleared_date, "2026-07-19");
  assert.equal(r.updates.bank_reference, "813300001");
  assert.deepEqual(r.historyEvent, {
    event: "check_paid",
    date: "2026-07-19",
    bankRef: "813300001",
    amount: 500,
  });
});

test("transitions: return applies EVEN IF currently Cleared; clear_status is bank truth", () => {
  const p = payment({ status: "Cleared", clear_status: "Cleared" });
  const r = applyEvent(p, returnEvent(), "2026-07-20");
  assert.equal(r.kind, "returned");
  assert.equal(r.updates.clear_status, "Returned");
  assert.equal(r.updates.returned_date, "2026-07-20");
  // status has no "Returned" rung on the CSV ladder — re-written unchanged.
  assert.equal(r.updates.status, "Cleared");
});

test("transitions: second paid debit on a Returned check is a redeposit back to Cleared", () => {
  const p = payment({ status: "Cleared", clear_status: "Returned" });
  const r = applyEvent(p, paidEvent({ bankReference: "813300003" }), "2026-07-21");
  assert.equal(r.kind, "redeposit");
  assert.equal(r.updates.status, "Cleared");
  assert.equal(r.updates.clear_status, "Cleared");
  assert.equal(r.updates.paid_date, "2026-07-21");
});

test("transitions: paid -> returned -> redeposit sequence accumulates history", () => {
  const p = payment();
  p.history = p.history || [];
  const seq = [
    [paidEvent(), "2026-07-18"],
    [returnEvent(), "2026-07-19"],
    [paidEvent({ bankReference: "813300004" }), "2026-07-20"],
  ];
  const kinds = [];
  for (const [ev, date] of seq) {
    const r = applyEvent(p, ev, date);
    kinds.push(r.kind);
    Object.assign(p, r.updates);
    p.history.push(r.historyEvent);
  }
  assert.deepEqual(kinds, ["cleared", "returned", "redeposit"]);
  assert.equal(p.clear_status, "Cleared");
  assert.equal(p.history.length, 3);
  assert.deepEqual(
    p.history.map((h) => h.event),
    ["check_paid", "check_return", "check_paid"]
  );
});

test("transitions: return on a canceled record is terminal voided-and-bounced", () => {
  const p = payment({ status: "Voided", clear_status: "Cleared" });
  const r = applyEvent(p, returnEvent(), "2026-07-20");
  assert.equal(r.kind, "voided_and_bounced");
  assert.equal(r.updates.clear_status, "Returned");
  assert.equal(r.updates.status, "Voided"); // cancel status stays visible
});

test("transitions: paid debit on a canceled record keeps the cancel status", () => {
  const p = payment({ status: "Marked as Void" });
  const r = applyEvent(p, paidEvent(), "2026-07-19");
  assert.equal(r.kind, "cleared_on_canceled");
  assert.equal(r.updates.status, "Marked as Void");
  assert.equal(r.updates.clear_status, "Cleared");
});

test("transitions: identical replayed event is a noop (idempotent replays)", () => {
  const p = payment({
    status: "Cleared",
    clear_status: "Cleared",
    history: [{ event: "check_paid", date: "2026-07-19", bankRef: "813300001", amount: 500 }],
  });
  const r = applyEvent(p, paidEvent(), "2026-07-19");
  assert.equal(r.kind, "noop");
  assert.equal(r.updates, null);
});

test("transitions: every non-noop result sets both status and clear_status", () => {
  const cases = [
    [payment(), paidEvent()],
    [payment({ status: "Cleared", clear_status: "Cleared" }), returnEvent()],
    [payment({ status: "Cleared", clear_status: "Returned" }), paidEvent()],
    [payment({ status: "Voided" }), returnEvent()],
    [payment({ clear_status: "Cleared" }), { event: "electronic_return", amount: 500, bankReference: "x" }],
  ];
  for (const [p, ev] of cases) {
    const r = applyEvent(p, ev, "2026-07-20");
    assert.notEqual(r.kind, "noop");
    assert.ok("status" in r.updates, `${r.kind} must set status`);
    assert.ok("clear_status" in r.updates, `${r.kind} must set clear_status`);
  }
});

test("isCancelStatus covers the Stampli cancel vocabulary", () => {
  for (const s of ["Voided", "cancelled", "Canceled", "Marked as Void"]) {
    assert.equal(isCancelStatus(s), true);
  }
  assert.equal(isCancelStatus("Cleared"), false);
});

// ------------------------------------------------------------- date range

test("resolveDateRange: default is yesterday", () => {
  const r = resolveDateRange({}, new Date("2026-07-21T13:00:00Z"));
  assert.deepEqual(r, { fromDate: "2026-07-20", toDate: "2026-07-20" });
});

test("resolveDateRange: explicit valid range passes through", () => {
  const r = resolveDateRange({ fromDate: "2026-06-16", toDate: "2026-06-23" });
  assert.deepEqual(r, { fromDate: "2026-06-16", toDate: "2026-06-23" });
});

test("resolveDateRange: fromDate only replays a single day", () => {
  const r = resolveDateRange({ fromDate: "2026-06-08" });
  assert.deepEqual(r, { fromDate: "2026-06-08", toDate: "2026-06-08" });
});

test("resolveDateRange: malformed and impossible dates throw", () => {
  assert.throws(() => resolveDateRange({ fromDate: "06/08/2026" }));
  assert.throws(() => resolveDateRange({ fromDate: "2026-02-30" }));
  assert.throws(() => resolveDateRange({ fromDate: "2026-07-02", toDate: "2026-07-01" }));
  assert.throws(() => resolveDateRange({ fromDate: "2026-07-01; DROP", toDate: "2026-07-02" }));
});

test("isValidISODate rejects non-strings and bad calendar dates", () => {
  assert.equal(isValidISODate("2026-07-20"), true);
  assert.equal(isValidISODate("2026-13-01"), false);
  assert.equal(isValidISODate(20260720), false);
});