handling case where payout failed and webhook event not received

backend/services/email/domain/PaymentEmailService.js

@@ -116,6 +116,61 @@ class PaymentEmailService {
       return { success: false, error: error.message };
     }
   }
+
+  /**
+   * Send payout failed notification to owner
+   * @param {string} ownerEmail - Owner's email address
+   * @param {Object} params - Email parameters
+   * @param {string} params.ownerName - Owner's name
+   * @param {number} params.payoutAmount - Payout amount in dollars
+   * @param {string} params.failureMessage - User-friendly failure message
+   * @param {string} params.actionRequired - Action the owner needs to take
+   * @param {string} params.failureCode - The Stripe failure code
+   * @param {boolean} params.requiresBankUpdate - Whether bank account update is needed
+   * @param {string} params.payoutSettingsUrl - URL to payout settings
+   * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
+   */
+  async sendPayoutFailedNotification(ownerEmail, params) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    try {
+      const {
+        ownerName,
+        payoutAmount,
+        failureMessage,
+        actionRequired,
+        failureCode,
+        requiresBankUpdate,
+        payoutSettingsUrl,
+      } = params;
+
+      const variables = {
+        ownerName: ownerName || "there",
+        payoutAmount: payoutAmount?.toFixed(2) || "0.00",
+        failureMessage: failureMessage || "There was an issue with your payout.",
+        actionRequired: actionRequired || "Please check your bank account details.",
+        failureCode: failureCode || "unknown",
+        requiresBankUpdate: requiresBankUpdate || false,
+        payoutSettingsUrl: payoutSettingsUrl || process.env.FRONTEND_URL + "/settings/payouts",
+      };
+
+      const htmlContent = await this.templateManager.renderTemplate(
+        "payoutFailedToOwner",
+        variables
+      );
+
+      return await this.emailClient.sendEmail(
+        ownerEmail,
+        "Action Required: Payout Issue - Village Share",
+        htmlContent
+      );
+    } catch (error) {
+      console.error("Failed to send payout failed notification:", error);
+      return { success: false, error: error.message };
+    }
+  }
 }
 
 module.exports = PaymentEmailService;