handling changes to stripe account where owner needs to provide information

backend/routes/stripe.js

@@ -2,6 +2,8 @@ const express = require("express");
 const { authenticateToken, requireVerifiedEmail } = require("../middleware/auth");
 const { User, Item } = require("../models");
 const StripeService = require("../services/stripeService");
+const StripeWebhookService = require("../services/stripeWebhookService");
+const emailServices = require("../services/email");
 const logger = require("../utils/logger");
 const router = express.Router();
 
@@ -168,7 +170,7 @@ router.post("/account-sessions", authenticateToken, requireVerifiedEmail, async
   }
 });
 
-// Get account status
+// Get account status with reconciliation
 router.get("/account-status", authenticateToken, async (req, res, next) => {
   let user = null;
   try {
@@ -190,6 +192,64 @@ router.get("/account-status", authenticateToken, async (req, res, next) => {
       payoutsEnabled: accountStatus.payouts_enabled,
     });
 
+    // Reconciliation: Compare fetched status with stored User fields
+    const previousPayoutsEnabled = user.stripePayoutsEnabled;
+    const currentPayoutsEnabled = accountStatus.payouts_enabled;
+    const requirements = accountStatus.requirements || {};
+
+    // Check if status has changed and needs updating
+    const statusChanged =
+      previousPayoutsEnabled !== currentPayoutsEnabled ||
+      JSON.stringify(user.stripeRequirementsCurrentlyDue || []) !==
+        JSON.stringify(requirements.currently_due || []);
+
+    if (statusChanged) {
+      reqLogger.info("Reconciling account status from API call", {
+        userId: req.user.id,
+        previousPayoutsEnabled,
+        currentPayoutsEnabled,
+        previousCurrentlyDue: user.stripeRequirementsCurrentlyDue?.length || 0,
+        newCurrentlyDue: requirements.currently_due?.length || 0,
+      });
+
+      // Update user with current status
+      await user.update({
+        stripePayoutsEnabled: currentPayoutsEnabled,
+        stripeRequirementsCurrentlyDue: requirements.currently_due || [],
+        stripeRequirementsPastDue: requirements.past_due || [],
+        stripeDisabledReason: requirements.disabled_reason || null,
+        stripeRequirementsLastUpdated: new Date(),
+      });
+
+      // If payouts just became disabled (true -> false), send notification
+      if (!currentPayoutsEnabled && previousPayoutsEnabled) {
+        reqLogger.warn("Payouts disabled detected during reconciliation", {
+          userId: req.user.id,
+          disabledReason: requirements.disabled_reason,
+        });
+
+        try {
+          const disabledReason = StripeWebhookService.formatDisabledReason(
+            requirements.disabled_reason
+          );
+
+          await emailServices.payment.sendPayoutsDisabledEmail(user.email, {
+            ownerName: user.firstName || user.name,
+            disabledReason,
+          });
+
+          reqLogger.info("Sent payouts disabled email during reconciliation", {
+            userId: req.user.id,
+          });
+        } catch (emailError) {
+          reqLogger.error("Failed to send payouts disabled email", {
+            userId: req.user.id,
+            error: emailError.message,
+          });
+        }
+      }
+    }
+
     res.json({
       accountId: accountStatus.id,
       detailsSubmitted: accountStatus.details_submitted,