payout retry lambda

2026-01-14 18:05:41 -05:00
parent da82872297
commit 7f2f45b1c2
13 changed files with 1439 additions and 9 deletions
--- a/backend/server.js
+++ b/backend/server.js
@@ -32,7 +32,6 @@ const feedbackRoutes = require("./routes/feedback");
 const uploadRoutes = require("./routes/upload");
 const healthRoutes = require("./routes/health");

-const PayoutProcessor = require("./jobs/payoutProcessor");
 const emailServices = require("./services/email");
 const s3Service = require("./services/s3Service");

@@ -228,10 +227,6 @@ sequelize
      process.exit(1);
    }

-    // Start the payout processor
-    const payoutJobs = PayoutProcessor.startScheduledPayouts();
-    logger.info("Payout processor started");
-
    server.listen(PORT, () => {
      logger.info(`Server is running on port ${PORT}`, {
        port: PORT,
--- a/lambdas/payoutRetryProcessor/README.md
+++ b/lambdas/payoutRetryProcessor/README.md
@@ -0,0 +1,107 @@
+# Payout Retry Processor Lambda
+
+Retries failed Stripe payouts daily. Triggered by EventBridge Scheduler at 7 AM EST.
+
+## Prerequisites
+
+- Node.js 20.x
+- PostgreSQL database with rentals data
+- Stripe account with test API key (`sk_test_...`)
+
+## Setup
+
+1. Install shared dependencies:
+
+   ```bash
+   cd lambdas/shared
+   npm install
+   ```
+
+2. Install Lambda dependencies:
+   ```bash
+   cd lambdas/payoutRetryProcessor
+   npm install
+   ```
+
+## Environment Variables
+
+| Variable            | Description                                    |
+| ------------------- | ---------------------------------------------- |
+| `DATABASE_URL`      | PostgreSQL connection string                   |
+| `STRIPE_SECRET_KEY` | Stripe API key (use `sk_test_...` for testing) |
+| `FRONTEND_URL`      | For email template links                       |
+| `SES_FROM_EMAIL`    | Sender email address                           |
+| `SES_FROM_NAME`     | Sender display name                            |
+| `EMAIL_ENABLED`     | Set to `true` to send emails                   |
+
+## Local Testing
+
+Run the Lambda locally using your dev environment:
+
+```bash
+cd lambdas/payoutRetryProcessor
+node test-local.js
+```
+
+This will:
+
+- Query your local database for failed payouts
+- Attempt Stripe transfers (use test mode!)
+- Send email notifications if `EMAIL_ENABLED=true`
+
+## Creating Test Data
+
+To test the retry logic, create a rental with failed payout status:
+
+```sql
+UPDATE "Rentals"
+SET "payoutStatus" = 'failed'
+WHERE id = '<rental-id>'
+  AND status = 'completed'
+  AND "paymentStatus" = 'paid';
+```
+
+## Verifying Results
+
+After running the test:
+
+1. Check console output for success/failure counts
+2. Query the database:
+   ```sql
+   SELECT id, "payoutStatus", "stripeTransferId", "payoutProcessedAt"
+   FROM "Rentals"
+   WHERE id = '<rental-id>';
+   ```
+3. Check Stripe Dashboard for new transfers
+4. Check email inbox if emails are enabled
+
+## AWS Deployment
+
+When deploying to AWS:
+
+1. Create Lambda function with Node.js 20.x runtime
+2. Set timeout to 60 seconds (batch processing)
+3. Set memory to 256 MB
+4. Configure EventBridge Scheduler with cron: `cron(0 12 * * ? *)` (7 AM EST = 12:00 UTC)
+5. Add environment variables listed above
+6. Configure DLQ for failed invocations
+
+## Architecture
+
+```
+EventBridge Scheduler (7 AM EST daily)
+         |
+         v
+    Lambda Function
+         |
+         +-- Query failed payouts from PostgreSQL
+         |
+         +-- For each failed payout:
+         |     +-- Reset status to "pending"
+         |     +-- Create Stripe transfer
+         |     +-- Update rental record
+         |     +-- Send email notification
+         |
+         v
+    Return summary (success/failure counts)
+```
--- a/lambdas/payoutRetryProcessor/handler.js
+++ b/lambdas/payoutRetryProcessor/handler.js
@@ -0,0 +1,193 @@
+const { logger, stripe, email } = require("../shared");
+const queries = require("./queries");
+const path = require("path");
+
+/**
+ * Process all failed payouts by retrying them.
+ * This is the main handler logic invoked by the Lambda.
+ * @returns {Promise<Object>} Results summary with successful and failed counts
+ */
+async function processPayoutRetries() {
+  logger.info("Starting payout retry process");
+
+  // Get all failed payouts with eligible owners
+  const failedPayouts = await queries.getFailedPayoutsWithOwners();
+
+  logger.info("Found failed payouts to retry", {
+    count: failedPayouts.length,
+  });
+
+  if (failedPayouts.length === 0) {
+    return {
+      success: true,
+      totalProcessed: 0,
+      successful: [],
+      failed: [],
+      message: "No failed payouts to retry",
+    };
+  }
+
+  const results = {
+    successful: [],
+    failed: [],
+  };
+
+  // Process each failed payout
+  for (const rental of failedPayouts) {
+    try {
+      logger.info("Processing payout retry", {
+        rentalId: rental.id,
+        ownerId: rental.ownerId,
+        amount: rental.payoutAmount,
+      });
+
+      // Reset to pending before retry attempt
+      await queries.resetPayoutToPending(rental.id);
+
+      // Attempt to create Stripe transfer
+      const transfer = await stripe.createTransfer({
+        amount: rental.payoutAmount,
+        destination: rental.owner.stripeConnectedAccountId,
+        metadata: {
+          rentalId: rental.id,
+          ownerId: rental.ownerId,
+          totalAmount: rental.totalAmount.toString(),
+          platformFee: rental.platformFee.toString(),
+          startDateTime: rental.startDateTime.toISOString(),
+          endDateTime: rental.endDateTime.toISOString(),
+          retryAttempt: "true",
+        },
+      });
+
+      // Update rental with successful payout
+      await queries.updatePayoutSuccess(rental.id, transfer.id);
+
+      logger.info("Payout retry successful", {
+        rentalId: rental.id,
+        transferId: transfer.id,
+        amount: rental.payoutAmount,
+      });
+
+      // Send success email notification
+      try {
+        await sendPayoutSuccessEmail(rental, transfer.id);
+      } catch (emailError) {
+        // Log error but don't fail the payout
+        logger.error("Failed to send payout success email", {
+          error: emailError.message,
+          rentalId: rental.id,
+        });
+      }
+
+      results.successful.push({
+        rentalId: rental.id,
+        amount: rental.payoutAmount,
+        transferId: transfer.id,
+      });
+    } catch (error) {
+      logger.error("Payout retry failed", {
+        error: error.message,
+        rentalId: rental.id,
+        ownerId: rental.ownerId,
+      });
+
+      // Update payout status back to failed
+      await queries.updatePayoutFailed(rental.id);
+
+      // Check if account is disconnected
+      if (stripe.isAccountDisconnectedError(error)) {
+        logger.warn("Account appears disconnected, cleaning up", {
+          accountId: rental.owner.stripeConnectedAccountId,
+        });
+        await handleDisconnectedAccount(rental.owner.stripeConnectedAccountId);
+      }
+
+      results.failed.push({
+        rentalId: rental.id,
+        error: error.message,
+      });
+    }
+  }
+
+  const summary = {
+    success: true,
+    totalProcessed: failedPayouts.length,
+    successfulCount: results.successful.length,
+    failedCount: results.failed.length,
+    successful: results.successful,
+    failed: results.failed,
+  };
+
+  logger.info("Payout retry process complete", {
+    totalProcessed: summary.totalProcessed,
+    successful: summary.successfulCount,
+    failed: summary.failedCount,
+  });
+
+  return summary;
+}
+
+/**
+ * Send payout success email to owner.
+ * @param {Object} rental - Rental object with owner and item
+ * @param {string} stripeTransferId - The Stripe transfer ID
+ */
+async function sendPayoutSuccessEmail(rental, stripeTransferId) {
+  const templatePath = path.join(
+    __dirname,
+    "templates",
+    "payoutReceivedToOwner.html"
+  );
+  const template = await email.loadTemplate(templatePath);
+
+  const ownerName = rental.owner.firstName || rental.owner.lastName || "there";
+  const frontendUrl = process.env.FRONTEND_URL;
+
+  const variables = {
+    ownerName,
+    payoutAmount: rental.payoutAmount.toFixed(2),
+    itemName: rental.item.name,
+    startDate: email.formatEmailDate(rental.startDateTime),
+    endDate: email.formatEmailDate(rental.endDateTime),
+    stripeTransferId,
+    totalAmount: rental.totalAmount.toFixed(2),
+    platformFee: rental.platformFee.toFixed(2),
+    earningsDashboardUrl: `${frontendUrl}/dashboard/earnings`,
+  };
+
+  const htmlBody = email.renderTemplate(template, variables);
+
+  await email.sendEmail(
+    rental.owner.email,
+    "Your earnings have been deposited - Village Share",
+    htmlBody
+  );
+}
+
+/**
+ * Handle cleanup when a Stripe account is detected as disconnected.
+ * @param {string} stripeConnectedAccountId - The disconnected account ID
+ */
+async function handleDisconnectedAccount(stripeConnectedAccountId) {
+  try {
+    const user = await queries.clearDisconnectedAccount(
+      stripeConnectedAccountId
+    );
+
+    if (user) {
+      logger.info("Cleaned up disconnected Stripe account", {
+        userId: user.id,
+        accountId: stripeConnectedAccountId,
+      });
+    }
+  } catch (error) {
+    logger.error("Failed to clean up disconnected account", {
+      accountId: stripeConnectedAccountId,
+      error: error.message,
+    });
+  }
+}
+
+module.exports = {
+  processPayoutRetries,
+};
--- a/lambdas/payoutRetryProcessor/index.js
+++ b/lambdas/payoutRetryProcessor/index.js
@@ -0,0 +1,46 @@
+const { processPayoutRetries } = require("./handler");
+const { logger } = require("../shared");
+
+/**
+ * Lambda handler for payout retry processing.
+ *
+ * Invoked by EventBridge Scheduler on a daily schedule (7 AM EST).
+ * No event payload required - processes all failed payouts.
+ *
+ * @param {Object} event - EventBridge Scheduler event (unused)
+ * @returns {Promise<Object>} Result of the retry processing
+ */
+exports.handler = async (event) => {
+  logger.info("Lambda invoked", {
+    event,
+    invocationTime: new Date().toISOString(),
+  });
+
+  try {
+    const result = await processPayoutRetries();
+
+    logger.info("Payout retry processing completed", {
+      totalProcessed: result.totalProcessed,
+      successful: result.successfulCount,
+      failed: result.failedCount,
+    });
+
+    return {
+      statusCode: 200,
+      body: JSON.stringify(result),
+    };
+  } catch (error) {
+    logger.error("Payout retry processing failed", {
+      error: error.message,
+      stack: error.stack,
+    });
+
+    return {
+      statusCode: 500,
+      body: JSON.stringify({
+        success: false,
+        error: error.message,
+      }),
+    };
+  }
+};
--- a/lambdas/payoutRetryProcessor/package-lock.json
+++ b/lambdas/payoutRetryProcessor/package-lock.json
@@ -0,0 +1,48 @@
+{
+  "name": "payout-retry-processor",
+  "version": "1.0.0",
+  "lockfileVersion": 3,
+  "requires": true,
+  "packages": {
+    "": {
+      "name": "payout-retry-processor",
+      "version": "1.0.0",
+      "dependencies": {
+        "@rentall/lambda-shared": "file:../shared"
+      },
+      "devDependencies": {
+        "dotenv": "^16.4.5"
+      }
+    },
+    "../shared": {
+      "name": "@rentall/lambda-shared",
+      "version": "1.0.0",
+      "dependencies": {
+        "@aws-sdk/client-scheduler": "^3.896.0",
+        "@aws-sdk/client-ses": "^3.896.0",
+        "pg": "^8.16.3",
+        "stripe": "^17.7.0"
+      },
+      "devDependencies": {
+        "jest": "^30.1.3"
+      }
+    },
+    "node_modules/@rentall/lambda-shared": {
+      "resolved": "../shared",
+      "link": true
+    },
+    "node_modules/dotenv": {
+      "version": "16.6.1",
+      "resolved": "https://registry.npmjs.org/dotenv/-/dotenv-16.6.1.tgz",
+      "integrity": "sha512-uBq4egWHTcTt33a72vpSG0z3HnPuIl6NqYcTrKEg2azoEyl2hpW0zqlxysq2pK9HlDIHyHyakeYaYnSAwd8bow==",
+      "dev": true,
+      "license": "BSD-2-Clause",
+      "engines": {
+        "node": ">=12"
+      },
+      "funding": {
+        "url": "https://dotenvx.com"
+      }
+    }
+  }
+}
--- a/lambdas/payoutRetryProcessor/package.json
+++ b/lambdas/payoutRetryProcessor/package.json
@@ -0,0 +1,16 @@
+{
+  "name": "payout-retry-processor",
+  "version": "1.0.0",
+  "description": "Lambda function to retry failed payouts via Stripe Connect",
+  "main": "index.js",
+  "dependencies": {
+    "@rentall/lambda-shared": "file:../shared"
+  },
+  "devDependencies": {
+    "dotenv": "^16.4.5"
+  },
+  "scripts": {
+    "test": "jest",
+    "local": "node -r dotenv/config test-local.js dotenv_config_path=.env.dev"
+  }
+}
--- a/lambdas/payoutRetryProcessor/queries.js
+++ b/lambdas/payoutRetryProcessor/queries.js
@@ -0,0 +1,152 @@
+const { db } = require("../shared");
+
+/**
+ * Get all failed payouts with eligible owners (Stripe enabled).
+ * Matches the query from backend PayoutService.retryFailedPayouts()
+ * @returns {Promise<Array>} Array of failed payouts with owner and item details
+ */
+async function getFailedPayoutsWithOwners() {
+  const result = await db.query(
+    `SELECT
+      r.id,
+      r."itemId",
+      r."renterId",
+      r."ownerId",
+      r."startDateTime",
+      r."endDateTime",
+      r."totalAmount",
+      r."payoutAmount",
+      r."platformFee",
+      r."paymentStatus",
+      r."payoutStatus",
+      r.status,
+      r."stripeTransferId",
+      r."createdAt",
+      r."updatedAt",
+      -- Owner fields
+      owner.id AS "owner_id",
+      owner.email AS "owner_email",
+      owner."firstName" AS "owner_firstName",
+      owner."lastName" AS "owner_lastName",
+      owner."stripeConnectedAccountId" AS "owner_stripeConnectedAccountId",
+      owner."stripePayoutsEnabled" AS "owner_stripePayoutsEnabled",
+      -- Item fields
+      item.id AS "item_id",
+      item.name AS "item_name"
+    FROM "Rentals" r
+    INNER JOIN "Users" owner ON r."ownerId" = owner.id
+    INNER JOIN "Items" item ON r."itemId" = item.id
+    WHERE r.status = 'completed'
+      AND r."paymentStatus" = 'paid'
+      AND r."payoutStatus" = 'failed'
+      AND owner."stripeConnectedAccountId" IS NOT NULL
+      AND owner."stripePayoutsEnabled" = true`
+  );
+
+  // Transform flat results into nested structure
+  return result.rows.map((row) => ({
+    id: row.id,
+    itemId: row.itemId,
+    renterId: row.renterId,
+    ownerId: row.ownerId,
+    startDateTime: row.startDateTime,
+    endDateTime: row.endDateTime,
+    totalAmount: parseFloat(row.totalAmount),
+    payoutAmount: parseFloat(row.payoutAmount),
+    platformFee: parseFloat(row.platformFee),
+    paymentStatus: row.paymentStatus,
+    payoutStatus: row.payoutStatus,
+    status: row.status,
+    stripeTransferId: row.stripeTransferId,
+    createdAt: row.createdAt,
+    updatedAt: row.updatedAt,
+    owner: {
+      id: row.owner_id,
+      email: row.owner_email,
+      firstName: row.owner_firstName,
+      lastName: row.owner_lastName,
+      stripeConnectedAccountId: row.owner_stripeConnectedAccountId,
+      stripePayoutsEnabled: row.owner_stripePayoutsEnabled,
+    },
+    item: {
+      id: row.item_id,
+      name: row.item_name,
+    },
+  }));
+}
+
+/**
+ * Update rental payout status to pending (before retry attempt).
+ * @param {string} rentalId - UUID of the rental
+ * @returns {Promise<void>}
+ */
+async function resetPayoutToPending(rentalId) {
+  await db.query(
+    `UPDATE "Rentals"
+     SET "payoutStatus" = 'pending',
+         "updatedAt" = NOW()
+     WHERE id = $1`,
+    [rentalId]
+  );
+}
+
+/**
+ * Update rental with successful payout information.
+ * @param {string} rentalId - UUID of the rental
+ * @param {string} stripeTransferId - Stripe transfer ID
+ * @returns {Promise<void>}
+ */
+async function updatePayoutSuccess(rentalId, stripeTransferId) {
+  await db.query(
+    `UPDATE "Rentals"
+     SET "payoutStatus" = 'completed',
+         "payoutProcessedAt" = NOW(),
+         "stripeTransferId" = $2,
+         "updatedAt" = NOW()
+     WHERE id = $1`,
+    [rentalId, stripeTransferId]
+  );
+}
+
+/**
+ * Update rental payout status to failed.
+ * @param {string} rentalId - UUID of the rental
+ * @returns {Promise<void>}
+ */
+async function updatePayoutFailed(rentalId) {
+  await db.query(
+    `UPDATE "Rentals"
+     SET "payoutStatus" = 'failed',
+         "updatedAt" = NOW()
+     WHERE id = $1`,
+    [rentalId]
+  );
+}
+
+/**
+ * Clear Stripe connection for a disconnected account.
+ * Called when we detect an account is no longer connected.
+ * @param {string} stripeConnectedAccountId - The disconnected account ID
+ * @returns {Promise<Object|null>} The affected user or null
+ */
+async function clearDisconnectedAccount(stripeConnectedAccountId) {
+  const result = await db.query(
+    `UPDATE "Users"
+     SET "stripeConnectedAccountId" = NULL,
+         "stripePayoutsEnabled" = false,
+         "updatedAt" = NOW()
+     WHERE "stripeConnectedAccountId" = $1
+     RETURNING id, email, "firstName", "lastName"`,
+    [stripeConnectedAccountId]
+  );
+
+  return result.rows[0] || null;
+}
+
+module.exports = {
+  getFailedPayoutsWithOwners,
+  resetPayoutToPending,
+  updatePayoutSuccess,
+  updatePayoutFailed,
+  clearDisconnectedAccount,
+};
--- a/lambdas/payoutRetryProcessor/templates/payoutReceivedToOwner.html
+++ b/lambdas/payoutRetryProcessor/templates/payoutReceivedToOwner.html
@@ -0,0 +1,435 @@
+<!DOCTYPE html>
+<html lang="en">
+  <head>
+    <meta charset="utf-8" />
+    <meta name="viewport" content="width=device-width, initial-scale=1.0" />
+    <meta http-equiv="X-UA-Compatible" content="IE=edge" />
+    <title>Earnings Received - Village Share</title>
+    <style>
+      /* Reset styles */
+      body,
+      table,
+      td,
+      p,
+      a,
+      li,
+      blockquote {
+        -webkit-text-size-adjust: 100%;
+        -ms-text-size-adjust: 100%;
+      }
+      table,
+      td {
+        mso-table-lspace: 0pt;
+        mso-table-rspace: 0pt;
+      }
+      img {
+        -ms-interpolation-mode: bicubic;
+      }
+
+      /* Base styles */
+      body {
+        margin: 0;
+        padding: 0;
+        width: 100% !important;
+        min-width: 100%;
+        height: 100%;
+        background-color: #f8f9fa;
+        font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto,
+          Oxygen, Ubuntu, Cantarell, sans-serif;
+        line-height: 1.6;
+        color: #212529;
+      }
+
+      /* Container */
+      .email-container {
+        max-width: 600px;
+        margin: 0 auto;
+        background-color: #ffffff;
+        border-radius: 8px;
+        overflow: hidden;
+        box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
+      }
+
+      /* Header */
+      .header {
+        background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
+        padding: 40px 30px;
+        text-align: center;
+      }
+
+      .logo {
+        font-size: 32px;
+        font-weight: 700;
+        color: #ffffff;
+        text-decoration: none;
+        letter-spacing: -1px;
+      }
+
+      .tagline {
+        color: #e9ecef;
+        font-size: 14px;
+        margin-top: 8px;
+      }
+
+      /* Content */
+      .content {
+        padding: 40px 30px;
+      }
+
+      .content h1 {
+        font-size: 24px;
+        font-weight: 600;
+        margin: 0 0 20px 0;
+        color: #212529;
+      }
+
+      .content h2 {
+        font-size: 20px;
+        font-weight: 600;
+        margin: 30px 0 15px 0;
+        color: #495057;
+      }
+
+      .content p {
+        margin: 0 0 16px 0;
+        color: #6c757d;
+        line-height: 1.6;
+      }
+
+      .content strong {
+        color: #495057;
+      }
+
+      /* Earnings amount display */
+      .earnings-display {
+        background: linear-gradient(135deg, #28a745 0%, #20c997 100%);
+        padding: 30px;
+        border-radius: 8px;
+        text-align: center;
+        margin: 30px 0;
+        box-shadow: 0 4px 12px rgba(40, 167, 69, 0.3);
+      }
+
+      .earnings-label {
+        color: #ffffff;
+        font-size: 14px;
+        text-transform: uppercase;
+        letter-spacing: 1px;
+        margin-bottom: 10px;
+        opacity: 0.9;
+      }
+
+      .earnings-amount {
+        color: #ffffff;
+        font-size: 48px;
+        font-weight: 700;
+        margin: 0;
+        line-height: 1;
+      }
+
+      .earnings-subtitle {
+        color: #ffffff;
+        font-size: 14px;
+        margin-top: 10px;
+        opacity: 0.9;
+      }
+
+      /* Button */
+      .button {
+        display: inline-block;
+        background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
+        color: #ffffff !important;
+        text-decoration: none;
+        padding: 16px 32px;
+        border-radius: 6px;
+        font-weight: 600;
+        margin: 20px 0;
+        text-align: center;
+        transition: all 0.3s ease;
+      }
+
+      .button:hover {
+        transform: translateY(-2px);
+        box-shadow: 0 4px 12px rgba(102, 126, 234, 0.4);
+      }
+
+      /* Success box */
+      .success-box {
+        background-color: #d4edda;
+        border-left: 4px solid #28a745;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 0 6px 6px 0;
+      }
+
+      .success-box p {
+        margin: 0 0 10px 0;
+        color: #155724;
+      }
+
+      .success-box p:last-child {
+        margin-bottom: 0;
+      }
+
+      /* Info box */
+      .info-box {
+        background-color: #e7f3ff;
+        border-left: 4px solid #0066cc;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 0 6px 6px 0;
+      }
+
+      .info-box p {
+        margin: 0 0 10px 0;
+        color: #004085;
+      }
+
+      .info-box p:last-child {
+        margin-bottom: 0;
+      }
+
+      /* Info table */
+      .info-table {
+        width: 100%;
+        border-collapse: collapse;
+        margin: 20px 0;
+        background-color: #f8f9fa;
+        border-radius: 6px;
+        overflow: hidden;
+      }
+
+      .info-table th,
+      .info-table td {
+        padding: 15px;
+        text-align: left;
+        border-bottom: 1px solid #dee2e6;
+      }
+
+      .info-table th {
+        background-color: #e9ecef;
+        font-weight: 600;
+        color: #495057;
+        width: 40%;
+      }
+
+      .info-table td {
+        color: #6c757d;
+      }
+
+      .info-table tr:last-child td {
+        border-bottom: none;
+      }
+
+      /* Breakdown table with emphasis */
+      .breakdown-table {
+        width: 100%;
+        border-collapse: collapse;
+        margin: 20px 0;
+        background-color: #ffffff;
+        border: 1px solid #dee2e6;
+        border-radius: 6px;
+        overflow: hidden;
+      }
+
+      .breakdown-table td {
+        padding: 12px 15px;
+        border-bottom: 1px solid #e9ecef;
+      }
+
+      .breakdown-table tr:last-child td {
+        border-bottom: none;
+      }
+
+      .breakdown-label {
+        color: #6c757d;
+        font-size: 14px;
+      }
+
+      .breakdown-amount {
+        color: #495057;
+        font-weight: 600;
+        text-align: right;
+      }
+
+      .breakdown-earnings {
+        background-color: #d4edda;
+        font-weight: 700;
+      }
+
+      .breakdown-earnings .breakdown-label {
+        color: #155724;
+        font-size: 16px;
+      }
+
+      .breakdown-earnings .breakdown-amount {
+        color: #155724;
+        font-size: 18px;
+      }
+
+      /* Footer */
+      .footer {
+        background-color: #f8f9fa;
+        padding: 30px;
+        text-align: center;
+        border-top: 1px solid #e9ecef;
+      }
+
+      .footer p {
+        margin: 0 0 10px 0;
+        font-size: 14px;
+        color: #6c757d;
+      }
+
+      .footer a {
+        color: #667eea;
+        text-decoration: none;
+      }
+
+      .footer a:hover {
+        text-decoration: underline;
+      }
+
+      /* Responsive */
+      @media only screen and (max-width: 600px) {
+        .email-container {
+          margin: 0;
+          border-radius: 0;
+        }
+
+        .header,
+        .content,
+        .footer {
+          padding: 20px;
+        }
+
+        .logo {
+          font-size: 28px;
+        }
+
+        .content h1 {
+          font-size: 22px;
+        }
+
+        .earnings-amount {
+          font-size: 36px;
+        }
+
+        .button {
+          display: block;
+          width: 100%;
+          box-sizing: border-box;
+        }
+
+        .info-table th,
+        .info-table td {
+          padding: 10px;
+          font-size: 14px;
+        }
+      }
+    </style>
+  </head>
+  <body>
+    <div class="email-container">
+      <div class="header">
+        <div class="logo">Village Share</div>
+        <div class="tagline">Earnings Received</div>
+      </div>
+
+      <div class="content">
+        <p>Hi {{ownerName}},</p>
+
+        <p>Great news! Your earnings have been transferred to your account.</p>
+
+        <div class="earnings-display">
+          <div class="earnings-label">You Earned</div>
+          <div class="earnings-amount">${{payoutAmount}}</div>
+          <div class="earnings-subtitle">
+            From rental of {{itemName}}
+          </div>
+        </div>
+
+        <h2>Rental Details</h2>
+        <table class="info-table">
+          <tr>
+            <th>Item Rented</th>
+            <td>{{itemName}}</td>
+          </tr>
+          <tr>
+            <th>Rental Period</th>
+            <td>{{startDate}} to {{endDate}}</td>
+          </tr>
+          <tr>
+            <th>Transfer ID</th>
+            <td>{{stripeTransferId}}</td>
+          </tr>
+        </table>
+
+        <h2>Earnings Breakdown</h2>
+        <table class="breakdown-table">
+          <tr>
+            <td class="breakdown-label">Rental Amount (charged to renter)</td>
+            <td class="breakdown-amount">${{totalAmount}}</td>
+          </tr>
+          <tr>
+            <td class="breakdown-label">Community Upkeep Fee (10%)</td>
+            <td class="breakdown-amount">-${{platformFee}}</td>
+          </tr>
+          <tr class="breakdown-earnings">
+            <td class="breakdown-label">Your Earnings</td>
+            <td class="breakdown-amount">${{payoutAmount}}</td>
+          </tr>
+        </table>
+
+        <h2>Payout Timeline</h2>
+        <table class="info-table">
+          <tr>
+            <th style="color: #28a745;">✓ Rental Completed</th>
+            <td>Done</td>
+          </tr>
+          <tr>
+            <th style="color: #28a745;">✓ Transfer Initiated</th>
+            <td>Today</td>
+          </tr>
+          <tr>
+            <th style="color: #0066cc;">○ Funds in Your Bank</th>
+            <td>2-7 business days</td>
+          </tr>
+        </table>
+
+        <div class="info-box">
+          <p><strong>When will I receive the funds?</strong></p>
+          <p>
+            Funds are typically available in your bank account within
+            <strong>2-7 business days</strong> from the transfer date, depending on your bank and Stripe's payout schedule.
+          </p>
+          <p>
+            You can track this transfer in your Stripe Dashboard using the
+            Transfer ID above.
+          </p>
+        </div>
+
+        <div style="text-align: center">
+          <a href="{{earningsDashboardUrl}}" class="button"
+            >View Earnings Dashboard</a
+          >
+        </div>
+
+        <p>
+          Thank you for being a valued member of the Village Share community! Keep
+          sharing your items to earn more.
+        </p>
+      </div>
+
+      <div class="footer">
+        <p><strong>Village Share</strong></p>
+        <p>
+          This is a notification about your earnings. You received this message
+          because a payout was successfully processed for your rental.
+        </p>
+        <p>If you have any questions, please contact our support team.</p>
+        <p>&copy; 2025 Village Share. All rights reserved.</p>
+      </div>
+    </div>
+  </body>
+</html>
--- a/lambdas/payoutRetryProcessor/test-local.js
+++ b/lambdas/payoutRetryProcessor/test-local.js
@@ -0,0 +1,80 @@
+/**
+ * Local test script for the Payout Retry Processor Lambda.
+ *
+ * Usage:
+ *   cd lambdas/payoutRetryProcessor
+ *   npm run local
+ */
+
+// Import the handler
+const { handler } = require("./index");
+
+async function runTest() {
+  console.log("===========================================");
+  console.log("  Payout Retry Processor - Local Test");
+  console.log("===========================================\n");
+
+  console.log("Environment:");
+  console.log(`  DATABASE_URL: ${process.env.DATABASE_URL ? "***configured***" : "NOT SET"}`);
+  console.log(`  STRIPE_SECRET_KEY: ${process.env.STRIPE_SECRET_KEY?.startsWith("sk_test") ? "test mode" : process.env.STRIPE_SECRET_KEY ? "LIVE MODE!" : "NOT SET"}`);
+  console.log(`  EMAIL_ENABLED: ${process.env.EMAIL_ENABLED}`);
+  console.log("");
+
+  // Warn if using live Stripe key
+  if (process.env.STRIPE_SECRET_KEY && !process.env.STRIPE_SECRET_KEY.startsWith("sk_test")) {
+    console.log("\n⚠️  WARNING: You are using a LIVE Stripe key!");
+    console.log("    Real transfers will be created. Press Ctrl+C to abort.\n");
+    await new Promise((resolve) => setTimeout(resolve, 3000));
+  }
+
+  // Simulate EventBridge event (empty for scheduled trigger)
+  const event = {
+    source: "local-test",
+    time: new Date().toISOString(),
+  };
+
+  console.log("Invoking Lambda handler...\n");
+
+  try {
+    const result = await handler(event);
+
+    console.log("\n===========================================");
+    console.log("  Result");
+    console.log("===========================================");
+    console.log(`Status Code: ${result.statusCode}`);
+    console.log("");
+
+    const body = JSON.parse(result.body);
+    console.log(`Total Processed: ${body.totalProcessed || 0}`);
+    console.log(`Successful: ${body.successfulCount || 0}`);
+    console.log(`Failed: ${body.failedCount || 0}`);
+
+    if (body.successful && body.successful.length > 0) {
+      console.log("\nSuccessful Payouts:");
+      body.successful.forEach((p) => {
+        console.log(`  - Rental ${p.rentalId}: $${p.amount} (Transfer: ${p.transferId})`);
+      });
+    }
+
+    if (body.failed && body.failed.length > 0) {
+      console.log("\nFailed Payouts:");
+      body.failed.forEach((p) => {
+        console.log(`  - Rental ${p.rentalId}: ${p.error}`);
+      });
+    }
+
+    if (body.totalProcessed === 0) {
+      console.log("\nNo failed payouts found to retry.");
+      console.log("To create test data, run:");
+      console.log(`  UPDATE "Rentals" SET "payoutStatus" = 'failed' WHERE id = '<rental-id>';`);
+    }
+  } catch (error) {
+    console.error("\nLambda execution failed:");
+    console.error(error);
+  }
+
+  console.log("\n===========================================\n");
+  process.exit(0);
+}
+
+runTest();
--- a/lambdas/shared/index.js
+++ b/lambdas/shared/index.js
@@ -6,10 +6,12 @@ const db = require("./db/connection");
 const queries = require("./db/queries");
 const email = require("./email/client");
 const logger = require("./utils/logger");
+const stripe = require("./stripe/client");

 module.exports = {
  db,
  queries,
  email,
  logger,
+  stripe,
 };
--- a/lambdas/shared/package-lock.json
+++ b/lambdas/shared/package-lock.json
@@ -10,7 +10,8 @@
      "dependencies": {
        "@aws-sdk/client-scheduler": "^3.896.0",
        "@aws-sdk/client-ses": "^3.896.0",
-        "pg": "^8.16.3"
+        "pg": "^8.16.3",
+        "stripe": "^17.7.0"
      },
      "devDependencies": {
        "jest": "^30.1.3"
@@ -2431,7 +2432,6 @@
      "version": "25.0.8",
      "resolved": "https://registry.npmjs.org/@types/node/-/node-25.0.8.tgz",
      "integrity": "sha512-powIePYMmC3ibL0UJ2i2s0WIbq6cg6UyVFQxSCpaPxxzAaziRfimGivjdF943sSGV6RADVbk0Nvlm5P/FB44Zg==",
-      "dev": true,
      "license": "MIT",
      "dependencies": {
        "undici-types": "~7.16.0"
@@ -3002,6 +3002,35 @@
      "dev": true,
      "license": "MIT"
    },
+    "node_modules/call-bind-apply-helpers": {
+      "version": "1.0.2",
+      "resolved": "https://registry.npmjs.org/call-bind-apply-helpers/-/call-bind-apply-helpers-1.0.2.tgz",
+      "integrity": "sha512-Sp1ablJ0ivDkSzjcaJdxEunN5/XvksFJ2sMBFfq6x0ryhQV/2b/KwFe21cMpmHtPOSij8K99/wSfoEuTObmuMQ==",
+      "license": "MIT",
+      "dependencies": {
+        "es-errors": "^1.3.0",
+        "function-bind": "^1.1.2"
+      },
+      "engines": {
+        "node": ">= 0.4"
+      }
+    },
+    "node_modules/call-bound": {
+      "version": "1.0.4",
+      "resolved": "https://registry.npmjs.org/call-bound/-/call-bound-1.0.4.tgz",
+      "integrity": "sha512-+ys997U96po4Kx/ABpBCqhA9EuxJaQWDQg7295H4hBphv3IZg0boBKuwYpt4YXp6MZ5AmZQnU/tyMTlRpaSejg==",
+      "license": "MIT",
+      "dependencies": {
+        "call-bind-apply-helpers": "^1.0.2",
+        "get-intrinsic": "^1.3.0"
+      },
+      "engines": {
+        "node": ">= 0.4"
+      },
+      "funding": {
+        "url": "https://github.com/sponsors/ljharb"
+      }
+    },
    "node_modules/callsites": {
      "version": "3.1.0",
      "resolved": "https://registry.npmjs.org/callsites/-/callsites-3.1.0.tgz",
@@ -3291,6 +3320,20 @@
        "node": ">=8"
      }
    },
+    "node_modules/dunder-proto": {
+      "version": "1.0.1",
+      "resolved": "https://registry.npmjs.org/dunder-proto/-/dunder-proto-1.0.1.tgz",
+      "integrity": "sha512-KIN/nDJBQRcXw0MLVhZE9iQHmG68qAVIBg9CqmUYjmQIhgij9U5MFvrqkUL5FbtyyzZuOeOt0zdeRe4UY7ct+A==",
+      "license": "MIT",
+      "dependencies": {
+        "call-bind-apply-helpers": "^1.0.1",
+        "es-errors": "^1.3.0",
+        "gopd": "^1.2.0"
+      },
+      "engines": {
+        "node": ">= 0.4"
+      }
+    },
    "node_modules/eastasianwidth": {
      "version": "0.2.0",
      "resolved": "https://registry.npmjs.org/eastasianwidth/-/eastasianwidth-0.2.0.tgz",
@@ -3335,6 +3378,36 @@
        "is-arrayish": "^0.2.1"
      }
    },
+    "node_modules/es-define-property": {
+      "version": "1.0.1",
+      "resolved": "https://registry.npmjs.org/es-define-property/-/es-define-property-1.0.1.tgz",
+      "integrity": "sha512-e3nRfgfUZ4rNGL232gUgX06QNyyez04KdjFrF+LTRoOXmrOgFKDg4BCdsjW8EnT69eqdYGmRpJwiPVYNrCaW3g==",
+      "license": "MIT",
+      "engines": {
+        "node": ">= 0.4"
+      }
+    },
+    "node_modules/es-errors": {
+      "version": "1.3.0",
+      "resolved": "https://registry.npmjs.org/es-errors/-/es-errors-1.3.0.tgz",
+      "integrity": "sha512-Zf5H2Kxt2xjTvbJvP2ZWLEICxA6j+hAmMzIlypy4xcBg1vKVnx89Wy0GbS+kf5cwCVFFzdCFh2XSCFNULS6csw==",
+      "license": "MIT",
+      "engines": {
+        "node": ">= 0.4"
+      }
+    },
+    "node_modules/es-object-atoms": {
+      "version": "1.1.1",
+      "resolved": "https://registry.npmjs.org/es-object-atoms/-/es-object-atoms-1.1.1.tgz",
+      "integrity": "sha512-FGgH2h8zKNim9ljj7dankFPcICIK9Cp5bm+c2gQSYePhpaG5+esrLODihIorn+Pe6FGJzWhXQotPv73jTaldXA==",
+      "license": "MIT",
+      "dependencies": {
+        "es-errors": "^1.3.0"
+      },
+      "engines": {
+        "node": ">= 0.4"
+      }
+    },
    "node_modules/escalade": {
      "version": "3.2.0",
      "resolved": "https://registry.npmjs.org/escalade/-/escalade-3.2.0.tgz",
@@ -3529,6 +3602,15 @@
        "node": "^8.16.0 || ^10.6.0 || >=11.0.0"
      }
    },
+    "node_modules/function-bind": {
+      "version": "1.1.2",
+      "resolved": "https://registry.npmjs.org/function-bind/-/function-bind-1.1.2.tgz",
+      "integrity": "sha512-7XHNxH7qX9xG5mIwxkhumTox/MIRNcOgDrxWsMt2pAr23WHp6MrRlN7FBSFpCpr+oVO0F744iUgR82nJMfG2SA==",
+      "license": "MIT",
+      "funding": {
+        "url": "https://github.com/sponsors/ljharb"
+      }
+    },
    "node_modules/gensync": {
      "version": "1.0.0-beta.2",
      "resolved": "https://registry.npmjs.org/gensync/-/gensync-1.0.0-beta.2.tgz",
@@ -3549,6 +3631,30 @@
        "node": "6.* || 8.* || >= 10.*"
      }
    },
+    "node_modules/get-intrinsic": {
+      "version": "1.3.0",
+      "resolved": "https://registry.npmjs.org/get-intrinsic/-/get-intrinsic-1.3.0.tgz",
+      "integrity": "sha512-9fSjSaos/fRIVIp+xSJlE6lfwhES7LNtKaCBIamHsjr2na1BiABJPo0mOjjz8GJDURarmCPGqaiVg5mfjb98CQ==",
+      "license": "MIT",
+      "dependencies": {
+        "call-bind-apply-helpers": "^1.0.2",
+        "es-define-property": "^1.0.1",
+        "es-errors": "^1.3.0",
+        "es-object-atoms": "^1.1.1",
+        "function-bind": "^1.1.2",
+        "get-proto": "^1.0.1",
+        "gopd": "^1.2.0",
+        "has-symbols": "^1.1.0",
+        "hasown": "^2.0.2",
+        "math-intrinsics": "^1.1.0"
+      },
+      "engines": {
+        "node": ">= 0.4"
+      },
+      "funding": {
+        "url": "https://github.com/sponsors/ljharb"
+      }
+    },
    "node_modules/get-package-type": {
      "version": "0.1.0",
      "resolved": "https://registry.npmjs.org/get-package-type/-/get-package-type-0.1.0.tgz",
@@ -3559,6 +3665,19 @@
        "node": ">=8.0.0"
      }
    },
+    "node_modules/get-proto": {
+      "version": "1.0.1",
+      "resolved": "https://registry.npmjs.org/get-proto/-/get-proto-1.0.1.tgz",
+      "integrity": "sha512-sTSfBjoXBp89JvIKIefqw7U2CCebsc74kiY6awiGogKtoSGbgjYE/G/+l9sF3MWFPNc9IcoOC4ODfKHfxFmp0g==",
+      "license": "MIT",
+      "dependencies": {
+        "dunder-proto": "^1.0.1",
+        "es-object-atoms": "^1.0.0"
+      },
+      "engines": {
+        "node": ">= 0.4"
+      }
+    },
    "node_modules/get-stream": {
      "version": "6.0.1",
      "resolved": "https://registry.npmjs.org/get-stream/-/get-stream-6.0.1.tgz",
@@ -3593,6 +3712,18 @@
        "url": "https://github.com/sponsors/isaacs"
      }
    },
+    "node_modules/gopd": {
+      "version": "1.2.0",
+      "resolved": "https://registry.npmjs.org/gopd/-/gopd-1.2.0.tgz",
+      "integrity": "sha512-ZUKRh6/kUFoAiTAtTYPZJ3hw9wNxx+BIBOijnlG9PnrJsCcSjs1wyyD6vJpaYtgnzDrKYRSqf3OO6Rfa93xsRg==",
+      "license": "MIT",
+      "engines": {
+        "node": ">= 0.4"
+      },
+      "funding": {
+        "url": "https://github.com/sponsors/ljharb"
+      }
+    },
    "node_modules/graceful-fs": {
      "version": "4.2.11",
      "resolved": "https://registry.npmjs.org/graceful-fs/-/graceful-fs-4.2.11.tgz",
@@ -3610,6 +3741,30 @@
        "node": ">=8"
      }
    },
+    "node_modules/has-symbols": {
+      "version": "1.1.0",
+      "resolved": "https://registry.npmjs.org/has-symbols/-/has-symbols-1.1.0.tgz",
+      "integrity": "sha512-1cDNdwJ2Jaohmb3sg4OmKaMBwuC48sYni5HUw2DvsC8LjGTLK9h+eb1X6RyuOHe4hT0ULCW68iomhjUoKUqlPQ==",
+      "license": "MIT",
+      "engines": {
+        "node": ">= 0.4"
+      },
+      "funding": {
+        "url": "https://github.com/sponsors/ljharb"
+      }
+    },
+    "node_modules/hasown": {
+      "version": "2.0.2",
+      "resolved": "https://registry.npmjs.org/hasown/-/hasown-2.0.2.tgz",
+      "integrity": "sha512-0hJU9SCPvmMzIBdZFqNPXWa6dqh7WdH0cII9y+CyS8rG3nL48Bclra9HmKhVVUHyPWNH5Y7xDwAB7bfgSjkUMQ==",
+      "license": "MIT",
+      "dependencies": {
+        "function-bind": "^1.1.2"
+      },
+      "engines": {
+        "node": ">= 0.4"
+      }
+    },
    "node_modules/html-escaper": {
      "version": "2.0.2",
      "resolved": "https://registry.npmjs.org/html-escaper/-/html-escaper-2.0.2.tgz",
@@ -4572,6 +4727,15 @@
        "tmpl": "1.0.5"
      }
    },
+    "node_modules/math-intrinsics": {
+      "version": "1.1.0",
+      "resolved": "https://registry.npmjs.org/math-intrinsics/-/math-intrinsics-1.1.0.tgz",
+      "integrity": "sha512-/IXtbwEk5HTPyEwyKX6hGkYXxM9nbj64B+ilVJnC/R6B0pH5G4V3b0pVbL7DBj4tkhBAppbQUlf6F6Xl9LHu1g==",
+      "license": "MIT",
+      "engines": {
+        "node": ">= 0.4"
+      }
+    },
    "node_modules/merge-stream": {
      "version": "2.0.0",
      "resolved": "https://registry.npmjs.org/merge-stream/-/merge-stream-2.0.0.tgz",
@@ -4696,6 +4860,18 @@
        "node": ">=8"
      }
    },
+    "node_modules/object-inspect": {
+      "version": "1.13.4",
+      "resolved": "https://registry.npmjs.org/object-inspect/-/object-inspect-1.13.4.tgz",
+      "integrity": "sha512-W67iLl4J2EXEGTbfeHCffrjDfitvLANg0UlX3wFUUSTx92KXRFegMHUVgSqE+wvhAbi4WqjGg9czysTV2Epbew==",
+      "license": "MIT",
+      "engines": {
+        "node": ">= 0.4"
+      },
+      "funding": {
+        "url": "https://github.com/sponsors/ljharb"
+      }
+    },
    "node_modules/once": {
      "version": "1.4.0",
      "resolved": "https://registry.npmjs.org/once/-/once-1.4.0.tgz",
@@ -5073,6 +5249,21 @@
      ],
      "license": "MIT"
    },
+    "node_modules/qs": {
+      "version": "6.14.1",
+      "resolved": "https://registry.npmjs.org/qs/-/qs-6.14.1.tgz",
+      "integrity": "sha512-4EK3+xJl8Ts67nLYNwqw/dsFVnCf+qR7RgXSK9jEEm9unao3njwMDdmsdvoKBKHzxd7tCYz5e5M+SnMjdtXGQQ==",
+      "license": "BSD-3-Clause",
+      "dependencies": {
+        "side-channel": "^1.1.0"
+      },
+      "engines": {
+        "node": ">=0.6"
+      },
+      "funding": {
+        "url": "https://github.com/sponsors/ljharb"
+      }
+    },
    "node_modules/react-is": {
      "version": "18.3.1",
      "resolved": "https://registry.npmjs.org/react-is/-/react-is-18.3.1.tgz",
@@ -5146,6 +5337,78 @@
        "node": ">=8"
      }
    },
+    "node_modules/side-channel": {
+      "version": "1.1.0",
+      "resolved": "https://registry.npmjs.org/side-channel/-/side-channel-1.1.0.tgz",
+      "integrity": "sha512-ZX99e6tRweoUXqR+VBrslhda51Nh5MTQwou5tnUDgbtyM0dBgmhEDtWGP/xbKn6hqfPRHujUNwz5fy/wbbhnpw==",
+      "license": "MIT",
+      "dependencies": {
+        "es-errors": "^1.3.0",
+        "object-inspect": "^1.13.3",
+        "side-channel-list": "^1.0.0",
+        "side-channel-map": "^1.0.1",
+        "side-channel-weakmap": "^1.0.2"
+      },
+      "engines": {
+        "node": ">= 0.4"
+      },
+      "funding": {
+        "url": "https://github.com/sponsors/ljharb"
+      }
+    },
+    "node_modules/side-channel-list": {
+      "version": "1.0.0",
+      "resolved": "https://registry.npmjs.org/side-channel-list/-/side-channel-list-1.0.0.tgz",
+      "integrity": "sha512-FCLHtRD/gnpCiCHEiJLOwdmFP+wzCmDEkc9y7NsYxeF4u7Btsn1ZuwgwJGxImImHicJArLP4R0yX4c2KCrMrTA==",
+      "license": "MIT",
+      "dependencies": {
+        "es-errors": "^1.3.0",
+        "object-inspect": "^1.13.3"
+      },
+      "engines": {
+        "node": ">= 0.4"
+      },
+      "funding": {
+        "url": "https://github.com/sponsors/ljharb"
+      }
+    },
+    "node_modules/side-channel-map": {
+      "version": "1.0.1",
+      "resolved": "https://registry.npmjs.org/side-channel-map/-/side-channel-map-1.0.1.tgz",
+      "integrity": "sha512-VCjCNfgMsby3tTdo02nbjtM/ewra6jPHmpThenkTYh8pG9ucZ/1P8So4u4FGBek/BjpOVsDCMoLA/iuBKIFXRA==",
+      "license": "MIT",
+      "dependencies": {
+        "call-bound": "^1.0.2",
+        "es-errors": "^1.3.0",
+        "get-intrinsic": "^1.2.5",
+        "object-inspect": "^1.13.3"
+      },
+      "engines": {
+        "node": ">= 0.4"
+      },
+      "funding": {
+        "url": "https://github.com/sponsors/ljharb"
+      }
+    },
+    "node_modules/side-channel-weakmap": {
+      "version": "1.0.2",
+      "resolved": "https://registry.npmjs.org/side-channel-weakmap/-/side-channel-weakmap-1.0.2.tgz",
+      "integrity": "sha512-WPS/HvHQTYnHisLo9McqBHOJk2FkHO/tlpvldyrnem4aeQp4hai3gythswg6p01oSoTl58rcpiFAjF2br2Ak2A==",
+      "license": "MIT",
+      "dependencies": {
+        "call-bound": "^1.0.2",
+        "es-errors": "^1.3.0",
+        "get-intrinsic": "^1.2.5",
+        "object-inspect": "^1.13.3",
+        "side-channel-map": "^1.0.1"
+      },
+      "engines": {
+        "node": ">= 0.4"
+      },
+      "funding": {
+        "url": "https://github.com/sponsors/ljharb"
+      }
+    },
    "node_modules/signal-exit": {
      "version": "4.1.0",
      "resolved": "https://registry.npmjs.org/signal-exit/-/signal-exit-4.1.0.tgz",
@@ -5393,6 +5656,19 @@
        "url": "https://github.com/sponsors/sindresorhus"
      }
    },
+    "node_modules/stripe": {
+      "version": "17.7.0",
+      "resolved": "https://registry.npmjs.org/stripe/-/stripe-17.7.0.tgz",
+      "integrity": "sha512-aT2BU9KkizY9SATf14WhhYVv2uOapBWX0OFWF4xvcj1mPaNotlSc2CsxpS4DS46ZueSppmCF5BX1sNYBtwBvfw==",
+      "license": "MIT",
+      "dependencies": {
+        "@types/node": ">=8.1.0",
+        "qs": "^6.11.0"
+      },
+      "engines": {
+        "node": ">=12.*"
+      }
+    },
    "node_modules/strnum": {
      "version": "2.1.2",
      "resolved": "https://registry.npmjs.org/strnum/-/strnum-2.1.2.tgz",
@@ -5548,7 +5824,6 @@
      "version": "7.16.0",
      "resolved": "https://registry.npmjs.org/undici-types/-/undici-types-7.16.0.tgz",
      "integrity": "sha512-Zz+aZWSj8LE6zoxD+xrjh4VfkIG8Ya6LvYkZqtUQGJPZjYl53ypCaUwWqo7eI0x66KBGeRo+mlBEkMSeSZ38Nw==",
-      "dev": true,
      "license": "MIT"
    },
    "node_modules/unrs-resolver": {
--- a/lambdas/shared/package.json
+++ b/lambdas/shared/package.json
@@ -6,7 +6,8 @@
  "dependencies": {
    "@aws-sdk/client-ses": "^3.896.0",
    "@aws-sdk/client-scheduler": "^3.896.0",
-    "pg": "^8.16.3"
+    "pg": "^8.16.3",
+    "stripe": "^17.7.0"
  },
  "devDependencies": {
    "jest": "^30.1.3"
--- a/lambdas/shared/stripe/client.js
+++ b/lambdas/shared/stripe/client.js
@@ -0,0 +1,80 @@
+const Stripe = require("stripe");
+
+let stripeClient = null;
+
+/**
+ * Get or create a Stripe client.
+ * Reuses client across Lambda invocations for better performance.
+ */
+function getStripeClient() {
+  if (!stripeClient) {
+    const secretKey = process.env.STRIPE_SECRET_KEY;
+    if (!secretKey) {
+      throw new Error("STRIPE_SECRET_KEY environment variable is required");
+    }
+    stripeClient = new Stripe(secretKey);
+  }
+  return stripeClient;
+}
+
+/**
+ * Create a Stripe transfer to a connected account.
+ * @param {Object} params - Transfer parameters
+ * @param {number} params.amount - Amount in dollars (will be converted to cents)
+ * @param {string} params.destination - Stripe connected account ID
+ * @param {string} [params.currency='usd'] - Currency code
+ * @param {Object} [params.metadata={}] - Additional metadata for the transfer
+ * @returns {Promise<Object>} Stripe transfer object
+ */
+async function createTransfer({ amount, destination, currency = "usd", metadata = {} }) {
+  const stripe = getStripeClient();
+
+  // Generate idempotency key from rental ID to prevent duplicate transfers
+  const idempotencyKey = metadata?.rentalId
+    ? `transfer_rental_${metadata.rentalId}`
+    : undefined;
+
+  const transfer = await stripe.transfers.create(
+    {
+      amount: Math.round(amount * 100), // Convert to cents
+      currency,
+      destination,
+      metadata,
+    },
+    idempotencyKey ? { idempotencyKey } : undefined
+  );
+
+  return transfer;
+}
+
+/**
+ * Check if an error indicates the connected account is disconnected.
+ * Used as fallback detection when webhook was missed.
+ * @param {Error} error - Stripe error object
+ * @returns {boolean} True if error indicates disconnected account
+ */
+function isAccountDisconnectedError(error) {
+  // Stripe returns these error codes when account is disconnected or invalid
+  const disconnectedCodes = ["account_invalid", "platform_api_key_expired"];
+
+  // Error messages that indicate disconnection
+  const disconnectedMessages = [
+    "cannot transfer",
+    "not connected",
+    "no longer connected",
+    "account has been deauthorized",
+  ];
+
+  if (disconnectedCodes.includes(error.code)) {
+    return true;
+  }
+
+  const message = (error.message || "").toLowerCase();
+  return disconnectedMessages.some((msg) => message.includes(msg));
+}
+
+module.exports = {
+  getStripeClient,
+  createTransfer,
+  isAccountDisconnectedError,
+};