handling changes to stripe account where owner needs to provide information

backend/services/email/domain/PaymentEmailService.js

@@ -213,6 +213,46 @@ class PaymentEmailService {
     }
   }
 
+  /**
+   * Send notification when owner's payouts are disabled due to requirements
+   * @param {string} ownerEmail - Owner's email address
+   * @param {Object} params - Email parameters
+   * @param {string} params.ownerName - Owner's name
+   * @param {string} params.disabledReason - Human-readable reason for disabling
+   * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
+   */
+  async sendPayoutsDisabledEmail(ownerEmail, params) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    try {
+      const { ownerName, disabledReason } = params;
+
+      const variables = {
+        ownerName: ownerName || "there",
+        disabledReason:
+          disabledReason ||
+          "Additional verification is required for your account.",
+        earningsUrl: `${process.env.FRONTEND_URL}/earnings`,
+      };
+
+      const htmlContent = await this.templateManager.renderTemplate(
+        "payoutsDisabledToOwner",
+        variables
+      );
+
+      return await this.emailClient.sendEmail(
+        ownerEmail,
+        "Action Required: Your payouts have been paused - Village Share",
+        htmlContent
+      );
+    } catch (error) {
+      console.error("Failed to send payouts disabled email:", error);
+      return { success: false, error: error.message };
+    }
+  }
+
   /**
    * Send dispute alert to platform admin
    * Called when a new dispute is opened