failed payment method handling

backend/services/email/core/TemplateManager.js

@@ -51,7 +51,14 @@ class TemplateManager {
    * @returns {Promise<void>}
    */
   async loadEmailTemplates() {
-    const templatesDir = path.join(__dirname, "..", "..", "..", "templates", "emails");
+    const templatesDir = path.join(
+      __dirname,
+      "..",
+      "..",
+      "..",
+      "templates",
+      "emails"
+    );
 
     // Critical templates that must load for the app to function
     const criticalTemplates = [
@@ -95,6 +102,8 @@ class TemplateManager {
         "forumItemRequestNotification.html",
         "forumPostDeletionToAuthor.html",
         "forumCommentDeletionToAuthor.html",
+        "paymentDeclinedToRenter.html",
+        "paymentMethodUpdatedToOwner.html",
       ];
 
       const failedTemplates = [];
@@ -129,7 +138,9 @@ class TemplateManager {
 
       if (missingCriticalTemplates.length > 0) {
         const error = new Error(
-          `Critical email templates failed to load: ${missingCriticalTemplates.join(", ")}`
+          `Critical email templates failed to load: ${missingCriticalTemplates.join(
+            ", "
+          )}`
         );
         error.missingTemplates = missingCriticalTemplates;
         throw error;
@@ -138,7 +149,9 @@ class TemplateManager {
       // Warn if non-critical templates failed
       if (failedTemplates.length > 0) {
         console.warn(
-          `⚠️  Non-critical templates failed to load: ${failedTemplates.join(", ")}`
+          `⚠️  Non-critical templates failed to load: ${failedTemplates.join(
+            ", "
+          )}`
         );
         console.warn("These templates will use fallback versions");
       }
@@ -483,6 +496,36 @@ class TemplateManager {
         <p>Please review this feedback and take appropriate action if needed.</p>
       `
       ),
+
+      paymentDeclinedToRenter: baseTemplate.replace(
+        "{{content}}",
+        `
+        <p>Hi {{renterFirstName}},</p>
+        <h2>Payment Issue with Your Rental Request</h2>
+        <p>The owner tried to approve your rental for <strong>{{itemName}}</strong>, but there was an issue processing your payment.</p>
+        <h3>What Happened</h3>
+        <p>{{declineReason}}</p>
+        <div class="info-box">
+          <p><strong>What You Can Do</strong></p>
+          <p>Please update your payment method so the owner can complete the approval of your rental request.</p>
+        </div>
+        <p>Once you update your payment method, the owner will be notified and can try to approve your rental again.</p>
+      `
+      ),
+
+      paymentMethodUpdatedToOwner: baseTemplate.replace(
+        "{{content}}",
+        `
+        <p>Hi {{ownerFirstName}},</p>
+        <h2>Payment Method Updated</h2>
+        <p>The renter has updated their payment method for the rental of <strong>{{itemName}}</strong>.</p>
+        <div class="info-box">
+          <p><strong>Ready to Approve</strong></p>
+          <p>You can now try approving the rental request again. The renter's new payment method will be charged when you approve.</p>
+        </div>
+        <p style="text-align: center;"><a href="{{approvalUrl}}" class="button">Review & Approve Rental</a></p>
+      `
+      ),
     };
 
     return (