Phase8: Auto bill credit card

src/lib/db.ts

@@ -421,6 +421,28 @@ const MIGRATION_SQL = `
     created_at               TIMESTAMPTZ NOT NULL DEFAULT now(),
     updated_at               TIMESTAMPTZ NOT NULL DEFAULT now()
   );
+  -- Phase 9: saved-card columns. The PaymentMethod id (`pm_xxx`)
+  -- is the handle for off-session charges; brand/last4/exp are
+  -- display fields. No PAN, CVV, or anything PCI-scope — Stripe
+  -- holds those. The columns are nullable because a fresh org has
+  -- no saved card; setting up auto-pay populates them via the
+  -- checkout.session.completed webhook in setup mode.
+  ALTER TABLE org_billing_config
+    ADD COLUMN IF NOT EXISTS stripe_default_payment_method_id TEXT;
+  ALTER TABLE org_billing_config
+    ADD COLUMN IF NOT EXISTS stripe_pm_brand TEXT;
+  ALTER TABLE org_billing_config
+    ADD COLUMN IF NOT EXISTS stripe_pm_last4 TEXT;
+  ALTER TABLE org_billing_config
+    ADD COLUMN IF NOT EXISTS stripe_pm_exp_month INTEGER;
+  ALTER TABLE org_billing_config
+    ADD COLUMN IF NOT EXISTS stripe_pm_exp_year INTEGER;
+  -- Phase 9: off-session auto-charge gate. Default TRUE — new orgs
+  -- pay by card automatically when an invoice is issued (assuming
+  -- they've also set up a saved card). Admin can flip OFF to pause
+  -- charging without removing the saved card.
+  ALTER TABLE org_billing_config
+    ADD COLUMN IF NOT EXISTS auto_charge_enabled BOOLEAN NOT NULL DEFAULT TRUE;
 
   -- Stripe payment methods. Populated by the Phase 4 webhook handler.
   -- Created in Phase 1 so all billing schema is together; rows are
@@ -2250,6 +2272,15 @@ function rowToOrgBillingConfig(row: any): OrgBillingConfig {
     stripeCustomerId: row.stripe_customer_id ?? null,
     autoInvoiceEnabled: row.auto_invoice_enabled,
     autoRemindersEnabled: row.auto_reminders_enabled,
+    stripeDefaultPaymentMethodId: row.stripe_default_payment_method_id ?? null,
+    stripePmBrand: row.stripe_pm_brand ?? null,
+    stripePmLast4: row.stripe_pm_last4 ?? null,
+    stripePmExpMonth:
+      row.stripe_pm_exp_month != null ? Number(row.stripe_pm_exp_month) : null,
+    stripePmExpYear:
+      row.stripe_pm_exp_year != null ? Number(row.stripe_pm_exp_year) : null,
+    autoChargeEnabled:
+      row.auto_charge_enabled === undefined ? true : !!row.auto_charge_enabled,
     createdAt: row.created_at?.toISOString?.() ?? row.created_at,
     updatedAt: row.updated_at?.toISOString?.() ?? row.updated_at,
   };
@@ -3985,3 +4016,118 @@ export async function deleteInvoiceDraft(id: string): Promise<boolean> {
   );
   return (result.rowCount ?? 0) > 0;
 }
+
+// ---------------------------------------------------------------------------
+// Phase 9 — saved-card management for off-session auto-charge
+// ---------------------------------------------------------------------------
+
+/**
+ * Persist a saved PaymentMethod against an org's billing config.
+ * Called from the webhook after a successful setup-mode Checkout
+ * session, and again when "Pay by Card" with setup_future_usage
+ * delivers a fresh PaymentMethod. Upserts the config row in case
+ * the org has none yet (rare — onboarding usually creates one,
+ * but defensive doesn't hurt).
+ *
+ * Only display fields (brand/last4/exp) are persisted. The full PAN
+ * is never seen by this code — Stripe holds it.
+ */
+export async function setSavedPaymentMethod(params: {
+  zitadelOrgId: string;
+  stripeCustomerId: string;
+  paymentMethodId: string;
+  brand: string | null;
+  last4: string | null;
+  expMonth: number | null;
+  expYear: number | null;
+}): Promise<void> {
+  await ensureSchema();
+  await getPool().query(
+    `INSERT INTO org_billing_config (
+       zitadel_org_id, stripe_customer_id,
+       stripe_default_payment_method_id, stripe_pm_brand, stripe_pm_last4,
+       stripe_pm_exp_month, stripe_pm_exp_year, updated_at
+     ) VALUES ($1, $2, $3, $4, $5, $6, $7, now())
+     ON CONFLICT (zitadel_org_id) DO UPDATE SET
+       stripe_customer_id = COALESCE(org_billing_config.stripe_customer_id, EXCLUDED.stripe_customer_id),
+       stripe_default_payment_method_id = EXCLUDED.stripe_default_payment_method_id,
+       stripe_pm_brand = EXCLUDED.stripe_pm_brand,
+       stripe_pm_last4 = EXCLUDED.stripe_pm_last4,
+       stripe_pm_exp_month = EXCLUDED.stripe_pm_exp_month,
+       stripe_pm_exp_year = EXCLUDED.stripe_pm_exp_year,
+       updated_at = now()`,
+    [
+      params.zitadelOrgId,
+      params.stripeCustomerId,
+      params.paymentMethodId,
+      params.brand,
+      params.last4,
+      params.expMonth,
+      params.expYear,
+    ]
+  );
+}
+
+/**
+ * Clear the saved PaymentMethod fields. Used when the customer
+ * clicks "Remove card" — the Stripe-side detach happens in the
+ * caller (stripe.detachPaymentMethod); this just nulls the
+ * portal-side display fields and the pm id reference.
+ *
+ * Does not touch stripe_customer_id (the customer object survives),
+ * auto_charge_enabled, or any other config — only the four card
+ * fields and the pm id pointer.
+ */
+export async function clearSavedPaymentMethod(
+  zitadelOrgId: string
+): Promise<void> {
+  await getPool().query(
+    `UPDATE org_billing_config
+        SET stripe_default_payment_method_id = NULL,
+            stripe_pm_brand = NULL,
+            stripe_pm_last4 = NULL,
+            stripe_pm_exp_month = NULL,
+            stripe_pm_exp_year = NULL,
+            updated_at = now()
+      WHERE zitadel_org_id = $1`,
+    [zitadelOrgId]
+  );
+}
+
+/**
+ * Toggle the auto_charge_enabled flag. Used by the customer's
+ * "Disable auto-pay / Enable auto-pay" button in /settings/billing
+ * and (Phase 9b) the admin override on /admin/billing/orgs.
+ */
+export async function setAutoChargeEnabled(
+  zitadelOrgId: string,
+  enabled: boolean
+): Promise<void> {
+  await getPool().query(
+    `INSERT INTO org_billing_config (zitadel_org_id, auto_charge_enabled, updated_at)
+     VALUES ($1, $2, now())
+     ON CONFLICT (zitadel_org_id) DO UPDATE SET
+       auto_charge_enabled = EXCLUDED.auto_charge_enabled,
+       updated_at = now()`,
+    [zitadelOrgId, enabled]
+  );
+}
+
+/**
+ * Look up the org id for a given Stripe customer id — used by the
+ * webhook when a checkout.session.completed in setup mode arrives
+ * and we need to find which org to save the card against. The
+ * customer id is the join key Stripe gives us in the session.
+ */
+export async function getOrgIdByStripeCustomerId(
+  stripeCustomerId: string
+): Promise<string | null> {
+  await ensureSchema();
+  const result = await getPool().query(
+    `SELECT zitadel_org_id FROM org_billing_config
+      WHERE stripe_customer_id = $1
+      LIMIT 1`,
+    [stripeCustomerId]
+  );
+  return result.rows.length > 0 ? result.rows[0].zitadel_org_id : null;
+}