handling if owner disconnects their stripe account

backend/services/stripeWebhookService.js

@@ -338,6 +338,93 @@ class StripeWebhookService {
     }
   }
 
+  /**
+   * Handle account.application.deauthorized webhook event.
+   * Triggered when an owner disconnects their Stripe account from our platform.
+   * @param {string} accountId - The connected account ID that was deauthorized
+   * @returns {Object} - { processed, userId, pendingPayoutsCount, notificationSent }
+   */
+  static async handleAccountDeauthorized(accountId) {
+    logger.warn("Processing account.application.deauthorized webhook", {
+      accountId,
+    });
+
+    if (!accountId) {
+      logger.warn("account.application.deauthorized webhook missing account ID");
+      return { processed: false, reason: "missing_account_id" };
+    }
+
+    try {
+      // Find the user by their connected account ID
+      const user = await User.findOne({
+        where: { stripeConnectedAccountId: accountId },
+      });
+
+      if (!user) {
+        logger.warn("No user found for deauthorized Stripe account", { accountId });
+        return { processed: false, reason: "user_not_found" };
+      }
+
+      // Clear Stripe connection fields
+      await user.update({
+        stripeConnectedAccountId: null,
+        stripePayoutsEnabled: false,
+      });
+
+      logger.info("Cleared Stripe connection for deauthorized account", {
+        userId: user.id,
+        accountId,
+      });
+
+      // Check for pending payouts that will now fail
+      const pendingRentals = await Rental.findAll({
+        where: {
+          ownerId: user.id,
+          payoutStatus: "pending",
+        },
+      });
+
+      if (pendingRentals.length > 0) {
+        logger.warn("Owner disconnected account with pending payouts", {
+          userId: user.id,
+          pendingCount: pendingRentals.length,
+          pendingRentalIds: pendingRentals.map((r) => r.id),
+        });
+      }
+
+      // Send notification email
+      let notificationSent = false;
+      try {
+        await emailServices.payment.sendAccountDisconnectedEmail(user.email, {
+          ownerName: user.firstName || user.name,
+          hasPendingPayouts: pendingRentals.length > 0,
+          pendingPayoutCount: pendingRentals.length,
+        });
+        notificationSent = true;
+        logger.info("Sent account disconnected notification", { userId: user.id });
+      } catch (emailError) {
+        logger.error("Failed to send account disconnected notification", {
+          userId: user.id,
+          error: emailError.message,
+        });
+      }
+
+      return {
+        processed: true,
+        userId: user.id,
+        pendingPayoutsCount: pendingRentals.length,
+        notificationSent,
+      };
+    } catch (error) {
+      logger.error("Error processing account.application.deauthorized webhook", {
+        accountId,
+        error: error.message,
+        stack: error.stack,
+      });
+      throw error;
+    }
+  }
+
   /**
    * Reconcile payout statuses for an owner by checking Stripe for actual status.
    * This handles cases where payout.paid or payout.failed webhooks were missed.