text changes

merge infrastructure aws cdk

.gitignore

@@ -17,6 +17,7 @@ node_modules/
 .env.development.local
 .env.test.local
 .env.production.local
+.env.dev
 .mcp.json
 .claude
 
@@ -64,4 +65,10 @@ frontend/.env.local
 
 # Uploads
 uploads/
-temp/
+temp/
+
+# Infrastructure CDK
+infrastructure/cdk/dist/
+infrastructure/cdk/cdk.out/
+infrastructure/cdk/*.js
+infrastructure/cdk/*.d.ts

README.md

@@ -1,112 +1 @@
-# Rentall App
-
-A full-stack marketplace application for renting items, built with React and Node.js.
-
-## Features
-
-- **User Authentication**: Secure JWT-based authentication
-- **Item Listings**: Create, edit, and manage rental items
-- **Smart Search**: Browse and filter available items
-- **Availability Calendar**: Visual calendar for managing item availability
-- **Rental Requests**: Accept or reject rental requests with custom reasons
-- **Delivery Options**: Support for pickup, delivery, and in-place use
-- **User Profiles**: Manage profile information and view rental statistics
-- **Responsive Design**: Mobile-friendly interface with Bootstrap
-
-## Tech Stack
-
-### Frontend
-- React with TypeScript
-- React Router for navigation
-- Bootstrap for styling
-- Axios for API calls
-- Google Places API for address autocomplete
-
-### Backend
-- Node.js with Express
-- SQLite database with Sequelize ORM
-- JWT for authentication
-- Bcrypt for password hashing
-
-## Getting Started
-
-### Prerequisites
-- Node.js (v14 or higher)
-- npm or yarn
-
-### Installation
-
-1. Clone the repository
-```bash
-git clone https://github.com/YOUR_USERNAME/rentall-app.git
-cd rentall-app
-```
-
-2. Install backend dependencies
-```bash
-cd backend
-npm install
-```
-
-3. Set up backend environment variables
-Create a `.env` file in the backend directory:
-```
-JWT_SECRET=your_jwt_secret_here
-PORT=5001
-```
-
-4. Install frontend dependencies
-```bash
-cd ../frontend
-npm install
-```
-
-5. Set up frontend environment variables
-Create a `.env` file in the frontend directory:
-```
-REACT_APP_API_URL=http://localhost:5001
-REACT_APP_GOOGLE_MAPS_API_KEY=your_google_maps_api_key
-```
-
-### Running the Application
-
-1. Start the backend server
-```bash
-cd backend
-npm start
-```
-
-2. In a new terminal, start the frontend
-```bash
-cd frontend
-npm start
-```
-
-The application will be available at `http://localhost:3000`
-
-## Key Features Explained
-
-### Item Management
-- Create listings with multiple images, pricing options, and delivery methods
-- Set availability using an intuitive calendar interface
-- Manage rental rules and requirements
-
-### Rental Process
-- Browse available items with search and filter options
-- Select rental dates with calendar interface
-- Secure payment information collection
-- Real-time rental request notifications
-
-### User Dashboard
-- View and manage your listings
-- Track rental requests and accepted rentals
-- Monitor rental statistics
-- Update profile information
-
-## Contributing
-
-Feel free to submit issues and enhancement requests!
-
-## License
-
-This project is open source and available under the MIT License.
+# Village Share

backend/.gitignore

@@ -1,6 +1,5 @@
 node_modules/
 .env
 .env.*
-uploads/
 *.log
 .DS_Store

backend/S3.md

@@ -1,127 +0,0 @@
-# AWS S3 Image Storage Integration Plan
-
-## Overview
-
-Integrate AWS S3 for image storage using **direct-to-S3 uploads with presigned URLs**. Frontend will upload directly to S3, reducing backend load. Images will use a **hybrid access model**: public URLs for profiles/items/forum, private signed URLs for messages and condition-checks.
-
-## Architecture
-
-```
-Frontend                          Backend                         AWS S3
-   │                                 │                               │
-   │  1. POST /api/upload/presign    │                               │
-   │────────────────────────────────>│                               │
-   │                                 │  2. Generate presigned URL    │
-   │  3. Return {uploadUrl, key}     │                               │
-   │<────────────────────────────────│                               │
-   │                                 │                               │
-   │  4. PUT file directly to S3     │                               │
-   │────────────────────────────────────────────────────────────────>│
-   │                                 │                               │
-   │  5. POST /api/upload/confirm    │                               │
-   │────────────────────────────────>│  6. Verify object exists      │
-   │                                 │──────────────────────────────>│
-   │  7. Return confirmation         │                               │
-   │<────────────────────────────────│                               │
-```
-
-## S3 Bucket Structure
-
-```
-s3://village-share-{env}/
-├── profiles/{uuid}.{ext}           # Public access
-├── items/{uuid}.{ext}              # Public access
-├── forum/{uuid}.{ext}              # Public access
-├── messages/{uuid}.{ext}           # Private (signed URLs)
-└── condition-checks/{uuid}.{ext}   # Private (signed URLs)
-```
-
----
-
-### AWS S3 Bucket Setup
-
-#### Bucket Policy (Hybrid: Public + Private)
-
-```json
-{
-  "Version": "2012-10-17",
-  "Statement": [
-    {
-      "Sid": "PublicRead",
-      "Effect": "Allow",
-      "Principal": "*",
-      "Action": "s3:GetObject",
-      "Resource": [
-        "arn:aws:s3:::village-share-dev/profiles/*",
-        "arn:aws:s3:::village-share-dev/items/*",
-        "arn:aws:s3:::village-share-dev/forum/*"
-      ]
-    }
-  ]
-}
-```
-
-Note: `messages/*` and `condition-checks/*` are NOT included - require signed URLs.
-
-#### CORS Configuration
-
-```json
-[
-  {
-    "AllowedHeaders": [
-      "Content-Type",
-      "Content-Length",
-      "Content-Disposition",
-      "Cache-Control",
-      "x-amz-content-sha256",
-      "x-amz-date",
-      "x-amz-security-token"
-    ],
-    "AllowedMethods": ["PUT", "GET"],
-    "AllowedOrigins": ["http://localhost:3000"],
-    "ExposeHeaders": ["ETag"],
-    "MaxAgeSeconds": 3600
-  }
-]
-```
-
-#### IAM Policy for Backend
-
-```json
-{
-  "Version": "2012-10-17",
-  "Statement": [
-    {
-      "Effect": "Allow",
-      "Action": ["s3:PutObject", "s3:GetObject"],
-      "Resource": "arn:aws:s3:::village-share-dev/*"
-    }
-  ]
-}
-```
-
-**Security Note:** `s3:DeleteObject` is intentionally NOT included. File deletion is not exposed via the API to prevent unauthorized deletion attacks. Use S3 lifecycle policies for cleanup instead.
-
-## Environment Variables to Add
-
-```bash
-# Backend (.env)
-S3_ENABLED=true                       # Set to "true" to enable S3
-S3_BUCKET=village-share-{env}
-
-# Frontend (.env)
-REACT_APP_S3_BUCKET=village-share-{env}
-REACT_APP_AWS_REGION=us-east-1
-```
-
----
-
-## Deployment Checklist
-
-1. Create S3 buckets for each environment (dev, qa, prod)
-2. Apply bucket policies (public folders + private messages)
-3. Configure CORS on each bucket
-4. Attach IAM policy to EC2/ECS role
-5. Add environment variables
-6. Deploy backend changes
-7. Deploy frontend changes

backend/babel.config.js

@@ -0,0 +1,5 @@
+module.exports = {
+  presets: [
+    ['@babel/preset-env', { targets: { node: 'current' } }]
+  ]
+};

backend/config/aws.js

@@ -18,7 +18,7 @@ function getAWSCredentials() {
  */
 function getAWSConfig() {
   const config = {
-    region: process.env.AWS_REGION || "us-east-1",
+    region: process.env.AWS_REGION,
   };
 
   const credentials = getAWSCredentials();

backend/config/database.js

@@ -8,7 +8,7 @@ if (!process.env.DB_NAME && process.env.NODE_ENV) {
   const result = dotenv.config({ path: envFile });
   if (result.error && process.env.NODE_ENV !== "production") {
     console.warn(
-      `Warning: Could not load ${envFile}, using existing environment variables`
+      `Warning: Could not load ${envFile}, using existing environment variables`,
     );
   }
 }
@@ -20,7 +20,7 @@ const dbConfig = {
   password: process.env.DB_PASSWORD,
   database: process.env.DB_NAME,
   host: process.env.DB_HOST,
-  port: process.env.DB_PORT || 5432,
+  port: process.env.DB_PORT,
   dialect: "postgres",
   logging: false,
   pool: {
@@ -52,7 +52,7 @@ const sequelize = new Sequelize(
     dialect: dbConfig.dialect,
     logging: dbConfig.logging,
     pool: dbConfig.pool,
-  }
+  },
 );
 
 // Export the sequelize instance as default (for backward compatibility)

backend/jest.config.js

@@ -6,6 +6,9 @@ module.exports = {
       testMatch: ['**/tests/unit/**/*.test.js'],
       setupFilesAfterEnv: ['<rootDir>/tests/setup.js'],
       testTimeout: 10000,
+      transformIgnorePatterns: [
+        'node_modules/(?!(@scure|@otplib|otplib|@noble)/)'
+      ],
     },
     {
       displayName: 'integration',
@@ -13,6 +16,9 @@ module.exports = {
       testMatch: ['**/tests/integration/**/*.test.js'],
       setupFilesAfterEnv: ['<rootDir>/tests/integration-setup.js'],
       testTimeout: 30000,
+      transformIgnorePatterns: [
+        'node_modules/(?!(@scure|@otplib|otplib|@noble)/)'
+      ],
     },
   ],
   // Run tests sequentially to avoid module cache conflicts between unit and integration tests
@@ -23,7 +29,10 @@ module.exports = {
     '!**/node_modules/**',
     '!**/coverage/**',
     '!**/tests/**',
-    '!jest.config.js'
+    '!**/migrations/**',
+    '!**/scripts/**',
+    '!jest.config.js',
+    '!babel.config.js',
   ],
   coverageReporters: ['text', 'lcov', 'html'],
   coverageThreshold: {

backend/jobs/conditionCheckReminder.js

@@ -1,258 +0,0 @@
-const cron = require("node-cron");
-const {
-  Rental,
-  User,
-  Item,
-  ConditionCheck,
-} = require("../models");
-const { Op } = require("sequelize");
-const emailServices = require("../services/email");
-const logger = require("../utils/logger");
-
-const reminderSchedule = "0 * * * *"; // Run every hour
-
-class ConditionCheckReminderJob {
-  static startScheduledReminders() {
-    console.log("Starting automated condition check reminder job...");
-
-    const reminderJob = cron.schedule(
-      reminderSchedule,
-      async () => {
-        try {
-          await this.sendConditionCheckReminders();
-        } catch (error) {
-          logger.error("Error in scheduled condition check reminders", {
-            error: error.message,
-            stack: error.stack,
-          });
-        }
-      },
-      {
-        scheduled: false,
-        timezone: "America/New_York",
-      }
-    );
-
-    // Start the job
-    reminderJob.start();
-
-    console.log("Condition check reminder job scheduled:");
-    console.log("- Reminders every hour: " + reminderSchedule);
-
-    return {
-      reminderJob,
-
-      stop() {
-        reminderJob.stop();
-        console.log("Condition check reminder job stopped");
-      },
-
-      getStatus() {
-        return {
-          reminderJobRunning: reminderJob.getStatus() === "scheduled",
-        };
-      },
-    };
-  }
-
-  // Send reminders for upcoming condition check windows
-  static async sendConditionCheckReminders() {
-    try {
-      const now = new Date();
-      const reminderWindow = new Date(now.getTime() + 24 * 60 * 60 * 1000); // 24 hours ahead
-
-      // Find rentals with upcoming condition check windows
-      const rentals = await Rental.findAll({
-        where: {
-          status: {
-            [Op.in]: ["confirmed", "active", "completed"],
-          },
-        },
-        include: [
-          { model: User, as: "owner" },
-          { model: User, as: "renter" },
-          { model: Item, as: "item" },
-        ],
-      });
-
-      for (const rental of rentals) {
-        await this.checkAndSendConditionReminders(rental, now, reminderWindow);
-      }
-
-      console.log(
-        `Processed ${rentals.length} rentals for condition check reminders`
-      );
-    } catch (error) {
-      console.error("Error sending condition check reminders:", error);
-    }
-  }
-
-  // Check specific rental for reminder needs
-  static async checkAndSendConditionReminders(rental, now, reminderWindow) {
-    const rentalStart = new Date(rental.startDateTime);
-    const rentalEnd = new Date(rental.endDateTime);
-
-    // Pre-rental owner check (24 hours before rental start)
-    const preRentalWindow = new Date(
-      rentalStart.getTime() - 24 * 60 * 60 * 1000
-    );
-    if (now <= preRentalWindow && preRentalWindow <= reminderWindow) {
-      const existingCheck = await ConditionCheck.findOne({
-        where: {
-          rentalId: rental.id,
-          checkType: "pre_rental_owner",
-        },
-      });
-
-      if (!existingCheck) {
-        await this.sendPreRentalOwnerReminder(rental);
-      }
-    }
-
-    // Rental start renter check (within 24 hours of rental start)
-    if (now <= rentalStart && rentalStart <= reminderWindow) {
-      const existingCheck = await ConditionCheck.findOne({
-        where: {
-          rentalId: rental.id,
-          checkType: "rental_start_renter",
-        },
-      });
-
-      if (!existingCheck) {
-        await this.sendRentalStartRenterReminder(rental);
-      }
-    }
-
-    // Rental end renter check (within 24 hours of rental end)
-    if (now <= rentalEnd && rentalEnd <= reminderWindow) {
-      const existingCheck = await ConditionCheck.findOne({
-        where: {
-          rentalId: rental.id,
-          checkType: "rental_end_renter",
-        },
-      });
-
-      if (!existingCheck) {
-        await this.sendRentalEndRenterReminder(rental);
-      }
-    }
-
-    // Post-rental owner check (24 hours after rental end)
-    const postRentalWindow = new Date(
-      rentalEnd.getTime() + 24 * 60 * 60 * 1000
-    );
-    if (now <= postRentalWindow && postRentalWindow <= reminderWindow) {
-      const existingCheck = await ConditionCheck.findOne({
-        where: {
-          rentalId: rental.id,
-          checkType: "post_rental_owner",
-        },
-      });
-
-      if (!existingCheck) {
-        await this.sendPostRentalOwnerReminder(rental);
-      }
-    }
-  }
-
-  // Individual email senders
-  static async sendPreRentalOwnerReminder(rental) {
-    const notificationData = {
-      type: "condition_check_reminder",
-      subtype: "pre_rental_owner",
-      title: "Condition Check Reminder",
-      message: `Please take photos of "${rental.item.name}" before the rental begins tomorrow.`,
-      rentalId: rental.id,
-      userId: rental.ownerId,
-      metadata: {
-        checkType: "pre_rental_owner",
-        deadline: new Date(rental.startDateTime).toISOString(),
-      },
-    };
-
-    await emailServices.rentalReminder.sendConditionCheckReminder(
-      rental.owner.email,
-      notificationData,
-      rental
-    );
-
-    console.log(`Pre-rental owner reminder sent for rental ${rental.id}`);
-  }
-
-  static async sendRentalStartRenterReminder(rental) {
-    const notificationData = {
-      type: "condition_check_reminder",
-      subtype: "rental_start_renter",
-      title: "Condition Check Reminder",
-      message: `Please take photos when you receive "${rental.item.name}" to document its condition.`,
-      rentalId: rental.id,
-      userId: rental.renterId,
-      metadata: {
-        checkType: "rental_start_renter",
-        deadline: new Date(
-          rental.startDateTime.getTime() + 24 * 60 * 60 * 1000
-        ).toISOString(),
-      },
-    };
-
-    await emailServices.rentalReminder.sendConditionCheckReminder(
-      rental.renter.email,
-      notificationData,
-      rental
-    );
-
-    console.log(`Rental start renter reminder sent for rental ${rental.id}`);
-  }
-
-  static async sendRentalEndRenterReminder(rental) {
-    const notificationData = {
-      type: "condition_check_reminder",
-      subtype: "rental_end_renter",
-      title: "Condition Check Reminder",
-      message: `Please take photos when returning "${rental.item.name}" to document its condition.`,
-      rentalId: rental.id,
-      userId: rental.renterId,
-      metadata: {
-        checkType: "rental_end_renter",
-        deadline: new Date(
-          rental.endDateTime.getTime() + 24 * 60 * 60 * 1000
-        ).toISOString(),
-      },
-    };
-
-    await emailServices.rentalReminder.sendConditionCheckReminder(
-      rental.renter.email,
-      notificationData,
-      rental
-    );
-
-    console.log(`Rental end renter reminder sent for rental ${rental.id}`);
-  }
-
-  static async sendPostRentalOwnerReminder(rental) {
-    const notificationData = {
-      type: "condition_check_reminder",
-      subtype: "post_rental_owner",
-      title: "Condition Check Reminder",
-      message: `Please take photos and mark the return status for "${rental.item.name}".`,
-      rentalId: rental.id,
-      userId: rental.ownerId,
-      metadata: {
-        checkType: "post_rental_owner",
-        deadline: new Date(
-          rental.endDateTime.getTime() + 48 * 60 * 60 * 1000
-        ).toISOString(),
-      },
-    };
-
-    await emailServices.rentalReminder.sendConditionCheckReminder(
-      rental.owner.email,
-      notificationData,
-      rental
-    );
-
-    console.log(`Post-rental owner reminder sent for rental ${rental.id}`);
-  }
-}
-
-module.exports = ConditionCheckReminderJob;

backend/jobs/payoutProcessor.js

@@ -1,90 +0,0 @@
-const cron = require("node-cron");
-const PayoutService = require("../services/payoutService");
-
-const paymentsSchedule = "0 * * * *"; // Run every hour at minute 0
-const retrySchedule = "0 7 * * *"; // Retry failed payouts once daily at 7 AM
-
-class PayoutProcessor {
-  static startScheduledPayouts() {
-    console.log("Starting automated payout processor...");
-
-    const payoutJob = cron.schedule(
-      paymentsSchedule,
-      async () => {
-        console.log("Running scheduled payout processing...");
-
-        try {
-          const results = await PayoutService.processAllEligiblePayouts();
-
-          if (results.totalProcessed > 0) {
-            console.log(
-              `Payout batch completed: ${results.successful.length} successful, ${results.failed.length} failed`
-            );
-
-            // Log any failures for monitoring
-            if (results.failed.length > 0) {
-              console.warn("Failed payouts:", results.failed);
-            }
-          }
-        } catch (error) {
-          console.error("Error in scheduled payout processing:", error);
-        }
-      },
-      {
-        scheduled: false,
-        timezone: "America/New_York",
-      }
-    );
-
-    const retryJob = cron.schedule(
-      retrySchedule,
-      async () => {
-        console.log("Running failed payout retry process...");
-
-        try {
-          const results = await PayoutService.retryFailedPayouts();
-
-          if (results.totalProcessed > 0) {
-            console.log(
-              `Retry batch completed: ${results.successful.length} successful, ${results.failed.length} still failed`
-            );
-          }
-        } catch (error) {
-          console.error("Error in retry payout processing:", error);
-        }
-      },
-      {
-        scheduled: false,
-        timezone: "America/New_York",
-      }
-    );
-
-    // Start the jobs
-    payoutJob.start();
-    retryJob.start();
-
-    console.log("Payout processor jobs scheduled:");
-    console.log("- Hourly payout processing: " + paymentsSchedule);
-    console.log("- Daily retry processing: " + retrySchedule);
-
-    return {
-      payoutJob,
-      retryJob,
-
-      stop() {
-        payoutJob.stop();
-        retryJob.stop();
-        console.log("Payout processor jobs stopped");
-      },
-
-      getStatus() {
-        return {
-          payoutJobRunning: payoutJob.getStatus() === "scheduled",
-          retryJobRunning: retryJob.getStatus() === "scheduled",
-        };
-      },
-    };
-  }
-}
-
-module.exports = PayoutProcessor;

backend/jobs/rentalStatusJob.js

@@ -1,101 +0,0 @@
-const cron = require("node-cron");
-const { Rental } = require("../models");
-const { Op } = require("sequelize");
-const logger = require("../utils/logger");
-
-const statusUpdateSchedule = "*/15 * * * *"; // Run every 15 minutes
-
-class RentalStatusJob {
-  static startScheduledStatusUpdates() {
-    console.log("Starting automated rental status updates...");
-
-    const statusJob = cron.schedule(
-      statusUpdateSchedule,
-      async () => {
-        try {
-          await this.activateStartedRentals();
-        } catch (error) {
-          logger.error("Error in scheduled rental status update", {
-            error: error.message,
-            stack: error.stack
-          });
-        }
-      },
-      {
-        scheduled: false,
-        timezone: "America/New_York",
-      }
-    );
-
-    // Start the job
-    statusJob.start();
-
-    console.log("Rental status job scheduled:");
-    console.log("- Status updates every 15 minutes: " + statusUpdateSchedule);
-
-    return {
-      statusJob,
-
-      stop() {
-        statusJob.stop();
-        console.log("Rental status job stopped");
-      },
-
-      getStatus() {
-        return {
-          statusJobRunning: statusJob.getStatus() === "scheduled",
-        };
-      },
-    };
-  }
-
-  static async activateStartedRentals() {
-    try {
-      const now = new Date();
-
-      // Find all confirmed rentals where start time has arrived
-      const rentalsToActivate = await Rental.findAll({
-        where: {
-          status: "confirmed",
-          startDateTime: {
-            [Op.lte]: now,
-          },
-        },
-      });
-
-      if (rentalsToActivate.length === 0) {
-        return { activated: 0 };
-      }
-
-      // Update all matching rentals to active status
-      const rentalIds = rentalsToActivate.map((r) => r.id);
-      const [updateCount] = await Rental.update(
-        { status: "active" },
-        {
-          where: {
-            id: {
-              [Op.in]: rentalIds,
-            },
-          },
-        }
-      );
-
-      logger.info("Activated started rentals", {
-        count: updateCount,
-        rentalIds: rentalIds,
-      });
-
-      console.log(`Activated ${updateCount} rentals that have started`);
-
-      return { activated: updateCount, rentalIds };
-    } catch (error) {
-      logger.error("Error activating started rentals", {
-        error: error.message,
-        stack: error.stack,
-      });
-      throw error;
-    }
-  }
-}
-
-module.exports = RentalStatusJob;

backend/middleware/apiLogger.js

@@ -36,6 +36,34 @@ const apiLogger = (req, res, next) => {
       userId: req.user?.id || 'anonymous'
     };
 
+    // Parse response body for error responses to include error details
+    if (res.statusCode >= 400) {
+      let errorDetails = null;
+      if (body) {
+        try {
+          const parsed = typeof body === 'string' ? JSON.parse(body) : body;
+          // Extract error message, validation errors, or full response
+          errorDetails = {
+            error: parsed.error || parsed.message || null,
+            errors: parsed.errors || null, // validation errors array
+            details: parsed.details || null
+          };
+          // Remove null values
+          Object.keys(errorDetails).forEach(key => {
+            if (errorDetails[key] === null) delete errorDetails[key];
+          });
+          if (Object.keys(errorDetails).length > 0) {
+            responseData.errorDetails = errorDetails;
+          }
+        } catch (e) {
+          // Body is not JSON, include as string (truncated)
+          if (typeof body === 'string' && body.length > 0) {
+            responseData.errorDetails = { raw: body.substring(0, 500) };
+          }
+        }
+      }
+    }
+
     if (res.statusCode >= 400 && res.statusCode < 500) {
       // Don't log 401s for /users/profile - these are expected auth checks
       if (!(res.statusCode === 401 && req.url === '/profile')) {

backend/middleware/auth.js

@@ -33,6 +33,14 @@ const authenticateToken = async (req, res, next) => {
       });
     }
 
+    // Check if user is banned
+    if (user.isBanned) {
+      return res.status(403).json({
+        error: "Your account has been suspended. Please contact support for more information.",
+        code: "USER_BANNED",
+      });
+    }
+
     // Validate JWT version to invalidate old tokens after password change
     if (decoded.jwtVersion !== user.jwtVersion) {
       return res.status(401).json({
@@ -93,6 +101,12 @@ const optionalAuth = async (req, res, next) => {
       return next();
     }
 
+    // Banned users are treated as unauthenticated for optional auth
+    if (user.isBanned) {
+      req.user = null;
+      return next();
+    }
+
     // Validate JWT version to invalidate old tokens after password change
     if (decoded.jwtVersion !== user.jwtVersion) {
       req.user = null;

backend/middleware/csrf.js

@@ -1,11 +1,24 @@
 const csrf = require("csrf");
 const cookieParser = require("cookie-parser");
+const logger = require("../utils/logger");
 
 // Initialize CSRF token generator
 const tokens = new csrf();
 
-// Generate a secret for signing tokens
-const secret = tokens.secretSync();
+// Use persistent secret from environment variable to prevent token invalidation on restart
+const secret = process.env.CSRF_SECRET;
+
+if (!secret) {
+  const errorMsg = "CSRF_SECRET environment variable is required.";
+  logger.error(errorMsg);
+  throw new Error(errorMsg);
+}
+
+if (secret.length < 32) {
+  const errorMsg = "CSRF_SECRET must be at least 32 characters for security";
+  logger.error(errorMsg);
+  throw new Error(errorMsg);
+}
 
 // CSRF middleware using double submit cookie pattern
 const csrfProtection = (req, res, next) => {
@@ -15,8 +28,7 @@ const csrfProtection = (req, res, next) => {
   }
 
   // Get token from header or body
-  const token =
-    req.headers["x-csrf-token"] || req.body.csrfToken || req.query.csrfToken;
+  const token = req.headers["x-csrf-token"] || req.body.csrfToken;
 
   // Get token from cookie
   const cookieToken = req.cookies && req.cookies["csrf-token"];
@@ -47,7 +59,7 @@ const generateCSRFToken = (req, res, next) => {
   // Set token in cookie (httpOnly for security)
   res.cookie("csrf-token", token, {
     httpOnly: true,
-    secure: process.env.NODE_ENV !== "dev",
+    secure: ["production", "prod", "qa"].includes(process.env.NODE_ENV),
     sameSite: "strict",
     maxAge: 60 * 60 * 1000, // 1 hour
   });
@@ -67,7 +79,7 @@ const getCSRFToken = (req, res) => {
 
   res.cookie("csrf-token", token, {
     httpOnly: true,
-    secure: process.env.NODE_ENV !== "dev",
+    secure: ["production", "prod", "qa"].includes(process.env.NODE_ENV),
     sameSite: "strict",
     maxAge: 60 * 60 * 1000,
   });

backend/middleware/rateLimiter.js

@@ -1,4 +1,5 @@
 const rateLimit = require("express-rate-limit");
+const logger = require("../utils/logger");
 
 // General rate limiter for Maps API endpoints
 const createMapsRateLimiter = (windowMs, max, message) => {
@@ -111,6 +112,21 @@ const uploadPresignLimiter = createUserBasedRateLimiter(
   "Too many upload requests. Please slow down."
 );
 
+// Helper to create a rate limit handler that logs the event
+const createRateLimitHandler = (limiterName) => (req, res, next, options) => {
+  const reqLogger = logger.withRequestId(req.id);
+  reqLogger.warn('Rate limit exceeded', {
+    limiter: limiterName,
+    ip: req.ip,
+    userId: req.user?.id || 'anonymous',
+    method: req.method,
+    url: req.url,
+    userAgent: req.get('User-Agent'),
+    message: options.message?.error || 'Rate limit exceeded'
+  });
+  res.status(options.statusCode).json(options.message);
+};
+
 // Authentication rate limiters
 const authRateLimiters = {
   // Login rate limiter - stricter to prevent brute force
@@ -124,6 +140,7 @@ const authRateLimiters = {
     standardHeaders: true,
     legacyHeaders: false,
     skipSuccessfulRequests: true, // Don't count successful logins
+    handler: createRateLimitHandler('login'),
   }),
 
   // Registration rate limiter
@@ -136,6 +153,7 @@ const authRateLimiters = {
     },
     standardHeaders: true,
     legacyHeaders: false,
+    handler: createRateLimitHandler('register'),
   }),
 
   // Password reset rate limiter
@@ -148,6 +166,7 @@ const authRateLimiters = {
     },
     standardHeaders: true,
     legacyHeaders: false,
+    handler: createRateLimitHandler('passwordReset'),
   }),
 
   // Alpha code validation rate limiter
@@ -160,6 +179,7 @@ const authRateLimiters = {
     },
     standardHeaders: true,
     legacyHeaders: false,
+    handler: createRateLimitHandler('alphaCodeValidation'),
   }),
 
   // Email verification rate limiter - protect against brute force on 6-digit codes
@@ -172,6 +192,7 @@ const authRateLimiters = {
     },
     standardHeaders: true,
     legacyHeaders: false,
+    handler: createRateLimitHandler('emailVerification'),
   }),
 
   // General API rate limiter
@@ -184,6 +205,58 @@ const authRateLimiters = {
     },
     standardHeaders: true,
     legacyHeaders: false,
+    handler: createRateLimitHandler('general'),
+  }),
+
+  // Two-Factor Authentication rate limiters
+  twoFactorVerification: rateLimit({
+    windowMs: 15 * 60 * 1000, // 15 minutes
+    max: 10, // 10 verification attempts per 15 minutes
+    message: {
+      error: "Too many verification attempts. Please try again later.",
+      retryAfter: 900,
+    },
+    standardHeaders: true,
+    legacyHeaders: false,
+    skipSuccessfulRequests: true,
+    handler: createRateLimitHandler('twoFactorVerification'),
+  }),
+
+  twoFactorSetup: rateLimit({
+    windowMs: 60 * 60 * 1000, // 1 hour
+    max: 5, // 5 setup attempts per hour
+    message: {
+      error: "Too many setup attempts. Please try again later.",
+      retryAfter: 3600,
+    },
+    standardHeaders: true,
+    legacyHeaders: false,
+    handler: createRateLimitHandler('twoFactorSetup'),
+  }),
+
+  recoveryCode: rateLimit({
+    windowMs: 15 * 60 * 1000, // 15 minutes
+    max: 3, // 3 recovery code attempts per 15 minutes
+    message: {
+      error: "Too many recovery code attempts. Please try again later.",
+      retryAfter: 900,
+    },
+    standardHeaders: true,
+    legacyHeaders: false,
+    skipSuccessfulRequests: false, // Count all attempts for security
+    handler: createRateLimitHandler('recoveryCode'),
+  }),
+
+  emailOtpSend: rateLimit({
+    windowMs: 10 * 60 * 1000, // 10 minutes
+    max: 2, // 2 OTP sends per 10 minutes
+    message: {
+      error: "Please wait before requesting another code.",
+      retryAfter: 600,
+    },
+    standardHeaders: true,
+    legacyHeaders: false,
+    handler: createRateLimitHandler('emailOtpSend'),
   }),
 };
 
@@ -201,6 +274,12 @@ module.exports = {
   emailVerificationLimiter: authRateLimiters.emailVerification,
   generalLimiter: authRateLimiters.general,
 
+  // Two-Factor Authentication rate limiters
+  twoFactorVerificationLimiter: authRateLimiters.twoFactorVerification,
+  twoFactorSetupLimiter: authRateLimiters.twoFactorSetup,
+  recoveryCodeLimiter: authRateLimiters.recoveryCode,
+  emailOtpSendLimiter: authRateLimiters.emailOtpSend,
+
   // Burst protection
   burstProtection,
 

backend/middleware/stepUpAuth.js

@@ -0,0 +1,73 @@
+const TwoFactorService = require("../services/TwoFactorService");
+const logger = require("../utils/logger");
+
+/**
+ * Middleware to require step-up authentication for sensitive actions.
+ * Only applies to users who have 2FA enabled.
+ *
+ * @param {string} action - The sensitive action being protected
+ * @returns {Function} Express middleware function
+ */
+const requireStepUpAuth = (action) => {
+  return async (req, res, next) => {
+    try {
+      // If user doesn't have 2FA enabled, skip step-up requirement
+      if (!req.user.twoFactorEnabled) {
+        return next();
+      }
+
+      // Check if user has a valid step-up session (within 5 minutes)
+      const isValid = TwoFactorService.validateStepUpSession(req.user);
+
+      if (!isValid) {
+        logger.info(
+          `Step-up authentication required for user ${req.user.id}, action: ${action}`
+        );
+
+        return res.status(403).json({
+          error: "Multi-factor authentication required",
+          code: "STEP_UP_REQUIRED",
+          action: action,
+          methods: getTwoFactorMethods(req.user),
+        });
+      }
+
+      next();
+    } catch (error) {
+      logger.error("Step-up auth middleware error:", error);
+      return res.status(500).json({
+        error: "An error occurred during authentication",
+      });
+    }
+  };
+};
+
+/**
+ * Get available 2FA methods for a user
+ * @param {Object} user - User object
+ * @returns {string[]} Array of available methods
+ */
+function getTwoFactorMethods(user) {
+  const methods = [];
+
+  // Primary method is always available
+  if (user.twoFactorMethod === "totp") {
+    methods.push("totp");
+  }
+
+  // Email is always available as a backup method
+  methods.push("email");
+
+  // Recovery codes are available if any remain
+  if (user.recoveryCodesHash) {
+    const recoveryData = JSON.parse(user.recoveryCodesHash);
+    const remaining = TwoFactorService.getRemainingRecoveryCodesCount(recoveryData);
+    if (remaining > 0) {
+      methods.push("recovery");
+    }
+  }
+
+  return methods;
+}
+
+module.exports = { requireStepUpAuth };

backend/middleware/validation.js

@@ -1,4 +1,4 @@
-const { body, validationResult } = require("express-validator");
+const { body, query, validationResult } = require("express-validator");
 const DOMPurify = require("dompurify");
 const { JSDOM } = require("jsdom");
 
@@ -81,7 +81,7 @@ const validateRegistration = [
     .withMessage("Password must be between 8 and 128 characters")
     .matches(passwordStrengthRegex)
     .withMessage(
-      "Password must contain at least one uppercase letter, one lowercase letter, one number, and one special character"
+      "Password does not meet requirements"
     )
     .custom((value) => {
       if (commonPasswords.includes(value.toLowerCase())) {
@@ -275,7 +275,7 @@ const validateResetPassword = [
     .withMessage("Password must be between 8 and 128 characters")
     .matches(passwordStrengthRegex)
     .withMessage(
-      "Password must contain at least one uppercase letter, one lowercase letter, one number, and one special character"
+      "Password does not meet requirements"
     )
     .custom((value) => {
       if (commonPasswords.includes(value.toLowerCase())) {
@@ -316,6 +316,60 @@ const validateFeedback = [
   handleValidationErrors,
 ];
 
+// Coordinate validation for query parameters (e.g., location search)
+const validateCoordinatesQuery = [
+  query("lat")
+    .optional()
+    .isFloat({ min: -90, max: 90 })
+    .withMessage("Latitude must be between -90 and 90"),
+  query("lng")
+    .optional()
+    .isFloat({ min: -180, max: 180 })
+    .withMessage("Longitude must be between -180 and 180"),
+  query("radius")
+    .optional()
+    .isFloat({ min: 0.1, max: 100 })
+    .withMessage("Radius must be between 0.1 and 100 miles"),
+  handleValidationErrors,
+];
+
+// Coordinate validation for body parameters (e.g., user addresses, forum posts)
+const validateCoordinatesBody = [
+  body("latitude")
+    .optional()
+    .isFloat({ min: -90, max: 90 })
+    .withMessage("Latitude must be between -90 and 90"),
+  body("longitude")
+    .optional()
+    .isFloat({ min: -180, max: 180 })
+    .withMessage("Longitude must be between -180 and 180"),
+];
+
+// Two-Factor Authentication validation
+const validateTotpCode = [
+  body("code")
+    .trim()
+    .matches(/^\d{6}$/)
+    .withMessage("TOTP code must be exactly 6 digits"),
+  handleValidationErrors,
+];
+
+const validateEmailOtp = [
+  body("code")
+    .trim()
+    .matches(/^\d{6}$/)
+    .withMessage("Email OTP must be exactly 6 digits"),
+  handleValidationErrors,
+];
+
+const validateRecoveryCode = [
+  body("code")
+    .trim()
+    .matches(/^[A-Za-z0-9]{4}-[A-Za-z0-9]{4}$/i)
+    .withMessage("Recovery code must be in format XXXX-XXXX"),
+  handleValidationErrors,
+];
+
 module.exports = {
   sanitizeInput,
   handleValidationErrors,
@@ -328,4 +382,10 @@ module.exports = {
   validateResetPassword,
   validateVerifyResetToken,
   validateFeedback,
+  validateCoordinatesQuery,
+  validateCoordinatesBody,
+  // Two-Factor Authentication
+  validateTotpCode,
+  validateEmailOtp,
+  validateRecoveryCode,
 };

backend/migrations/20251126000001-alter-items-images-to-text.js

@@ -10,7 +10,7 @@ module.exports = {
   },
 
   down: async (queryInterface, Sequelize) => {
-    // Revert to original VARCHAR(255)[] - note: this may fail if data exceeds 255 chars
+    // Revert to original VARCHAR(255)[]
     await queryInterface.changeColumn("Items", "images", {
       type: Sequelize.ARRAY(Sequelize.STRING),
       defaultValue: [],

backend/migrations/20251126000002-alter-image-fields-to-text.js

@@ -20,7 +20,7 @@ module.exports = {
   },
 
   down: async (queryInterface, Sequelize) => {
-    // Revert to original VARCHAR(255) - note: this may fail if data exceeds 255 chars
+    // Revert to original VARCHAR(255)
     await Promise.all([
       queryInterface.changeColumn("Users", "profileImage", {
         type: Sequelize.STRING,

backend/migrations/20251230000001-add-geospatial-index.js

@@ -0,0 +1,20 @@
+'use strict';
+
+/** @type {import('sequelize-cli').Migration} */
+module.exports = {
+  async up(queryInterface, Sequelize) {
+    // Add index on latitude and longitude columns for faster geospatial queries
+    // This improves performance of the bounding box pre-filter used in radius searches
+    await queryInterface.addIndex('Items', ['latitude', 'longitude'], {
+      name: 'idx_items_lat_lng',
+      where: {
+        latitude: { [Sequelize.Op.ne]: null },
+        longitude: { [Sequelize.Op.ne]: null }
+      }
+    });
+  },
+
+  async down(queryInterface, Sequelize) {
+    await queryInterface.removeIndex('Items', 'idx_items_lat_lng');
+  }
+};

backend/migrations/20260102000001-add-stripe-payouts-enabled.js

@@ -0,0 +1,15 @@
+"use strict";
+
+module.exports = {
+  up: async (queryInterface, Sequelize) => {
+    await queryInterface.addColumn("Users", "stripePayoutsEnabled", {
+      type: Sequelize.BOOLEAN,
+      defaultValue: false,
+      allowNull: true,
+    });
+  },
+
+  down: async (queryInterface, Sequelize) => {
+    await queryInterface.removeColumn("Users", "stripePayoutsEnabled");
+  },
+};

backend/migrations/20260103000001-add-bank-deposit-tracking.js

@@ -0,0 +1,42 @@
+"use strict";
+
+module.exports = {
+  up: async (queryInterface, Sequelize) => {
+    // Add bankDepositStatus enum column
+    await queryInterface.addColumn("Rentals", "bankDepositStatus", {
+      type: Sequelize.ENUM("pending", "in_transit", "paid", "failed", "canceled"),
+      allowNull: true,
+      defaultValue: null,
+    });
+
+    // Add bankDepositAt timestamp
+    await queryInterface.addColumn("Rentals", "bankDepositAt", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+
+    // Add stripePayoutId to track which Stripe payout included this transfer
+    await queryInterface.addColumn("Rentals", "stripePayoutId", {
+      type: Sequelize.STRING,
+      allowNull: true,
+    });
+
+    // Add bankDepositFailureCode for failed deposits
+    await queryInterface.addColumn("Rentals", "bankDepositFailureCode", {
+      type: Sequelize.STRING,
+      allowNull: true,
+    });
+  },
+
+  down: async (queryInterface, Sequelize) => {
+    await queryInterface.removeColumn("Rentals", "bankDepositFailureCode");
+    await queryInterface.removeColumn("Rentals", "stripePayoutId");
+    await queryInterface.removeColumn("Rentals", "bankDepositAt");
+    await queryInterface.removeColumn("Rentals", "bankDepositStatus");
+
+    // Drop the enum type (PostgreSQL specific)
+    await queryInterface.sequelize.query(
+      'DROP TYPE IF EXISTS "enum_Rentals_bankDepositStatus";'
+    );
+  },
+};

backend/migrations/20260105000001-add-payment-failure-tracking.js

@@ -0,0 +1,30 @@
+"use strict";
+
+module.exports = {
+  up: async (queryInterface, Sequelize) => {
+    // Add paymentFailedNotifiedAt - tracks when owner notified renter about failed payment
+    await queryInterface.addColumn("Rentals", "paymentFailedNotifiedAt", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+
+    // Add paymentMethodUpdatedAt - tracks last payment method update for rate limiting
+    await queryInterface.addColumn("Rentals", "paymentMethodUpdatedAt", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+
+    // Add paymentMethodUpdateCount - count of updates within time window for rate limiting
+    await queryInterface.addColumn("Rentals", "paymentMethodUpdateCount", {
+      type: Sequelize.INTEGER,
+      allowNull: true,
+      defaultValue: 0,
+    });
+  },
+
+  down: async (queryInterface, Sequelize) => {
+    await queryInterface.removeColumn("Rentals", "paymentMethodUpdateCount");
+    await queryInterface.removeColumn("Rentals", "paymentMethodUpdatedAt");
+    await queryInterface.removeColumn("Rentals", "paymentFailedNotifiedAt");
+  },
+};

backend/migrations/20260105161056-create-image-metadata.js

@@ -0,0 +1,95 @@
+"use strict";
+
+module.exports = {
+  up: async (queryInterface, Sequelize) => {
+    await queryInterface.createTable("ImageMetadata", {
+      id: {
+        type: Sequelize.UUID,
+        defaultValue: Sequelize.UUIDV4,
+        primaryKey: true,
+      },
+      s3Key: {
+        type: Sequelize.TEXT,
+        allowNull: false,
+        unique: true,
+      },
+      latitude: {
+        type: Sequelize.DECIMAL(10, 8),
+        allowNull: true,
+      },
+      longitude: {
+        type: Sequelize.DECIMAL(11, 8),
+        allowNull: true,
+      },
+      cameraMake: {
+        type: Sequelize.STRING(100),
+        allowNull: true,
+      },
+      cameraModel: {
+        type: Sequelize.STRING(100),
+        allowNull: true,
+      },
+      cameraSoftware: {
+        type: Sequelize.STRING(100),
+        allowNull: true,
+      },
+      dateTaken: {
+        type: Sequelize.DATE,
+        allowNull: true,
+      },
+      width: {
+        type: Sequelize.INTEGER,
+        allowNull: true,
+      },
+      height: {
+        type: Sequelize.INTEGER,
+        allowNull: true,
+      },
+      orientation: {
+        type: Sequelize.INTEGER,
+        allowNull: true,
+      },
+      fileSize: {
+        type: Sequelize.INTEGER,
+        allowNull: true,
+      },
+      processingStatus: {
+        type: Sequelize.ENUM("pending", "processing", "completed", "failed"),
+        allowNull: false,
+        defaultValue: "pending",
+      },
+      processedAt: {
+        type: Sequelize.DATE,
+        allowNull: true,
+      },
+      errorMessage: {
+        type: Sequelize.TEXT,
+        allowNull: true,
+      },
+      createdAt: {
+        type: Sequelize.DATE,
+        allowNull: false,
+      },
+      updatedAt: {
+        type: Sequelize.DATE,
+        allowNull: false,
+      },
+    });
+
+    // Add indexes
+    await queryInterface.addIndex("ImageMetadata", ["s3Key"], {
+      unique: true,
+      name: "image_metadata_s3_key_unique",
+    });
+    await queryInterface.addIndex("ImageMetadata", ["latitude", "longitude"], {
+      name: "image_metadata_geo",
+    });
+    await queryInterface.addIndex("ImageMetadata", ["processingStatus"], {
+      name: "image_metadata_processing_status",
+    });
+  },
+
+  down: async (queryInterface, Sequelize) => {
+    await queryInterface.dropTable("ImageMetadata");
+  },
+};

backend/migrations/20260106000001-add-user-ban-fields.js

@@ -0,0 +1,41 @@
+"use strict";
+
+module.exports = {
+  up: async (queryInterface, Sequelize) => {
+    // isBanned - boolean flag indicating if user is banned
+    await queryInterface.addColumn("Users", "isBanned", {
+      type: Sequelize.BOOLEAN,
+      defaultValue: false,
+      allowNull: false,
+    });
+
+    // bannedAt - timestamp when ban was applied
+    await queryInterface.addColumn("Users", "bannedAt", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+
+    // bannedBy - UUID of admin who applied the ban
+    await queryInterface.addColumn("Users", "bannedBy", {
+      type: Sequelize.UUID,
+      allowNull: true,
+      references: {
+        model: "Users",
+        key: "id",
+      },
+    });
+
+    // banReason - reason provided by admin for the ban
+    await queryInterface.addColumn("Users", "banReason", {
+      type: Sequelize.TEXT,
+      allowNull: true,
+    });
+  },
+
+  down: async (queryInterface, Sequelize) => {
+    await queryInterface.removeColumn("Users", "banReason");
+    await queryInterface.removeColumn("Users", "bannedBy");
+    await queryInterface.removeColumn("Users", "bannedAt");
+    await queryInterface.removeColumn("Users", "isBanned");
+  },
+};

backend/migrations/20260107000001-add-requires-action-payment-status.js

@@ -0,0 +1,18 @@
+"use strict";
+
+module.exports = {
+  up: async (queryInterface, Sequelize) => {
+    // Add 'requires_action' to the paymentStatus enum
+    // This status is used when 3DS authentication is required for a payment
+    await queryInterface.sequelize.query(`
+      ALTER TYPE "enum_Rentals_paymentStatus" ADD VALUE IF NOT EXISTS 'requires_action';
+    `);
+  },
+
+  down: async (queryInterface, Sequelize) => {
+    console.log(
+      "PostgreSQL does not support removing ENUM values. " +
+        "'requires_action' will remain in the enum but will not be used.",
+    );
+  },
+};

backend/migrations/20260108000001-add-on-hold-to-payout-status.js

@@ -0,0 +1,16 @@
+"use strict";
+
+module.exports = {
+  up: async (queryInterface, Sequelize) => {
+    // Add 'on_hold' to the existing payoutStatus enum
+    await queryInterface.sequelize.query(`
+      ALTER TYPE "enum_Rentals_payoutStatus" ADD VALUE IF NOT EXISTS 'on_hold';
+    `);
+  },
+
+  down: async (queryInterface, Sequelize) => {
+    console.log(
+      "Cannot remove enum value - manual intervention required if rollback needed",
+    );
+  },
+};

backend/migrations/20260108000002-add-dispute-fields-to-rental.js

@@ -0,0 +1,57 @@
+"use strict";
+
+module.exports = {
+  up: async (queryInterface, Sequelize) => {
+    await queryInterface.addColumn("Rentals", "stripeDisputeStatus", {
+      type: Sequelize.ENUM("open", "won", "lost", "warning_closed"),
+      allowNull: true,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeId", {
+      type: Sequelize.STRING,
+      allowNull: true,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeReason", {
+      type: Sequelize.STRING,
+      allowNull: true,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeAmount", {
+      type: Sequelize.INTEGER,
+      allowNull: true,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeCreatedAt", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeEvidenceDueBy", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeClosedAt", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeLost", {
+      type: Sequelize.BOOLEAN,
+      defaultValue: false,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeLostAmount", {
+      type: Sequelize.INTEGER,
+      allowNull: true,
+    });
+  },
+
+  down: async (queryInterface) => {
+    await queryInterface.removeColumn("Rentals", "stripeDisputeStatus");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeId");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeReason");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeAmount");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeCreatedAt");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeEvidenceDueBy");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeClosedAt");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeLost");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeLostAmount");
+    await queryInterface.sequelize.query(
+      'DROP TYPE IF EXISTS "enum_Rentals_stripeDisputeStatus";'
+    );
+  },
+};

backend/migrations/20260108000003-add-stripe-requirements-to-users.js

@@ -0,0 +1,34 @@
+"use strict";
+
+module.exports = {
+  up: async (queryInterface, Sequelize) => {
+    await queryInterface.addColumn("Users", "stripeRequirementsCurrentlyDue", {
+      type: Sequelize.JSON,
+      defaultValue: [],
+      allowNull: true,
+    });
+
+    await queryInterface.addColumn("Users", "stripeRequirementsPastDue", {
+      type: Sequelize.JSON,
+      defaultValue: [],
+      allowNull: true,
+    });
+
+    await queryInterface.addColumn("Users", "stripeDisabledReason", {
+      type: Sequelize.STRING,
+      allowNull: true,
+    });
+
+    await queryInterface.addColumn("Users", "stripeRequirementsLastUpdated", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+  },
+
+  down: async (queryInterface, Sequelize) => {
+    await queryInterface.removeColumn("Users", "stripeRequirementsCurrentlyDue");
+    await queryInterface.removeColumn("Users", "stripeRequirementsPastDue");
+    await queryInterface.removeColumn("Users", "stripeDisabledReason");
+    await queryInterface.removeColumn("Users", "stripeRequirementsLastUpdated");
+  },
+};

backend/migrations/20260109000001-add-payment-failed-reason.js

@@ -0,0 +1,15 @@
+"use strict";
+
+module.exports = {
+  up: async (queryInterface, Sequelize) => {
+    // Add paymentFailedReason - stores the user-friendly error message for payment failures
+    await queryInterface.addColumn("Rentals", "paymentFailedReason", {
+      type: Sequelize.TEXT,
+      allowNull: true,
+    });
+  },
+
+  down: async (queryInterface, Sequelize) => {
+    await queryInterface.removeColumn("Rentals", "paymentFailedReason");
+  },
+};

backend/migrations/20260112000001-expand-dispute-status-enum.js

@@ -0,0 +1,67 @@
+"use strict";
+
+/**
+ * Replaces stripeDisputeStatus enum with all valid Stripe dispute statuses.
+ * Previous enum had: open, won, lost, warning_closed
+ * Stripe uses: needs_response, under_review, won, lost,
+ *              warning_needs_response, warning_under_review, warning_closed
+ */
+module.exports = {
+  up: async (queryInterface) => {
+    // Create new enum type with correct Stripe statuses
+    await queryInterface.sequelize.query(`
+      CREATE TYPE "enum_Rentals_stripeDisputeStatus_new" AS ENUM (
+        'needs_response',
+        'under_review',
+        'won',
+        'lost',
+        'warning_needs_response',
+        'warning_under_review',
+        'warning_closed'
+      );
+    `);
+
+    // Alter column to use new type
+    await queryInterface.sequelize.query(`
+      ALTER TABLE "Rentals"
+      ALTER COLUMN "stripeDisputeStatus"
+      TYPE "enum_Rentals_stripeDisputeStatus_new"
+      USING "stripeDisputeStatus"::text::"enum_Rentals_stripeDisputeStatus_new";
+    `);
+
+    // Drop old enum type
+    await queryInterface.sequelize.query(`
+      DROP TYPE "enum_Rentals_stripeDisputeStatus";
+    `);
+
+    // Rename new type to original name
+    await queryInterface.sequelize.query(`
+      ALTER TYPE "enum_Rentals_stripeDisputeStatus_new"
+      RENAME TO "enum_Rentals_stripeDisputeStatus";
+    `);
+  },
+
+  down: async (queryInterface) => {
+    await queryInterface.sequelize.query(`
+      CREATE TYPE "enum_Rentals_stripeDisputeStatus_old" AS ENUM (
+        'open', 'won', 'lost', 'warning_closed'
+      );
+    `);
+
+    await queryInterface.sequelize.query(`
+      ALTER TABLE "Rentals"
+      ALTER COLUMN "stripeDisputeStatus"
+      TYPE "enum_Rentals_stripeDisputeStatus_old"
+      USING "stripeDisputeStatus"::text::"enum_Rentals_stripeDisputeStatus_old";
+    `);
+
+    await queryInterface.sequelize.query(`
+      DROP TYPE "enum_Rentals_stripeDisputeStatus";
+    `);
+
+    await queryInterface.sequelize.query(`
+      ALTER TYPE "enum_Rentals_stripeDisputeStatus_old"
+      RENAME TO "enum_Rentals_stripeDisputeStatus";
+    `);
+  },
+};

backend/migrations/20260115000001-add-two-factor-auth-fields.js

@@ -0,0 +1,107 @@
+"use strict";
+
+/** @type {import('sequelize-cli').Migration} */
+module.exports = {
+  async up(queryInterface, Sequelize) {
+    // Add TOTP configuration fields
+    await queryInterface.addColumn("Users", "twoFactorEnabled", {
+      type: Sequelize.BOOLEAN,
+      defaultValue: false,
+      allowNull: false,
+    });
+
+    await queryInterface.addColumn("Users", "twoFactorMethod", {
+      type: Sequelize.ENUM("totp", "email"),
+      allowNull: true,
+    });
+
+    await queryInterface.addColumn("Users", "totpSecret", {
+      type: Sequelize.STRING,
+      allowNull: true,
+    });
+
+    await queryInterface.addColumn("Users", "totpSecretIv", {
+      type: Sequelize.STRING,
+      allowNull: true,
+    });
+
+    await queryInterface.addColumn("Users", "twoFactorEnabledAt", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+
+    // Add Email OTP fields (backup method)
+    await queryInterface.addColumn("Users", "emailOtpCode", {
+      type: Sequelize.STRING,
+      allowNull: true,
+    });
+
+    await queryInterface.addColumn("Users", "emailOtpExpiry", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+
+    await queryInterface.addColumn("Users", "emailOtpAttempts", {
+      type: Sequelize.INTEGER,
+      defaultValue: 0,
+      allowNull: false,
+    });
+
+    // Add Recovery Codes fields
+    await queryInterface.addColumn("Users", "recoveryCodesHash", {
+      type: Sequelize.TEXT,
+      allowNull: true,
+    });
+
+    await queryInterface.addColumn("Users", "recoveryCodesGeneratedAt", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+
+    await queryInterface.addColumn("Users", "recoveryCodesUsedCount", {
+      type: Sequelize.INTEGER,
+      defaultValue: 0,
+      allowNull: false,
+    });
+
+    // Add Step-up session tracking
+    await queryInterface.addColumn("Users", "twoFactorVerifiedAt", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+
+    // Add temporary secret storage during setup
+    await queryInterface.addColumn("Users", "twoFactorSetupPendingSecret", {
+      type: Sequelize.STRING,
+      allowNull: true,
+    });
+
+    await queryInterface.addColumn("Users", "twoFactorSetupPendingSecretIv", {
+      type: Sequelize.STRING,
+      allowNull: true,
+    });
+  },
+
+  async down(queryInterface, Sequelize) {
+    // Remove all 2FA fields in reverse order
+    await queryInterface.removeColumn("Users", "twoFactorSetupPendingSecretIv");
+    await queryInterface.removeColumn("Users", "twoFactorSetupPendingSecret");
+    await queryInterface.removeColumn("Users", "twoFactorVerifiedAt");
+    await queryInterface.removeColumn("Users", "recoveryCodesUsedCount");
+    await queryInterface.removeColumn("Users", "recoveryCodesGeneratedAt");
+    await queryInterface.removeColumn("Users", "recoveryCodesHash");
+    await queryInterface.removeColumn("Users", "emailOtpAttempts");
+    await queryInterface.removeColumn("Users", "emailOtpExpiry");
+    await queryInterface.removeColumn("Users", "emailOtpCode");
+    await queryInterface.removeColumn("Users", "twoFactorEnabledAt");
+    await queryInterface.removeColumn("Users", "totpSecretIv");
+    await queryInterface.removeColumn("Users", "totpSecret");
+    await queryInterface.removeColumn("Users", "twoFactorMethod");
+    await queryInterface.removeColumn("Users", "twoFactorEnabled");
+
+    // Remove the ENUM type
+    await queryInterface.sequelize.query(
+      'DROP TYPE IF EXISTS "enum_Users_twoFactorMethod";'
+    );
+  },
+};

backend/migrations/20260116000001-mfa-security-enhancements.js

@@ -0,0 +1,32 @@
+"use strict";
+
+/** @type {import('sequelize-cli').Migration} */
+module.exports = {
+  async up(queryInterface, Sequelize) {
+    // Add recentTotpCodes field for TOTP replay protection
+    await queryInterface.addColumn("Users", "recentTotpCodes", {
+      type: Sequelize.TEXT,
+      allowNull: true,
+      comment: "JSON array of hashed recently used TOTP codes for replay protection",
+    });
+
+    // Remove deprecated columns (if they exist)
+    await queryInterface.removeColumn("Users", "twoFactorEnabledAt").catch(() => {});
+    await queryInterface.removeColumn("Users", "recoveryCodesUsedCount").catch(() => {});
+  },
+
+  async down(queryInterface, Sequelize) {
+    await queryInterface.removeColumn("Users", "recentTotpCodes");
+
+    // Re-add deprecated columns for rollback
+    await queryInterface.addColumn("Users", "twoFactorEnabledAt", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+    await queryInterface.addColumn("Users", "recoveryCodesUsedCount", {
+      type: Sequelize.INTEGER,
+      defaultValue: 0,
+      allowNull: false,
+    });
+  },
+};

backend/migrations/README.md

@@ -0,0 +1,303 @@
+# Database Migrations
+
+This project uses Sequelize CLI for database migrations. Migrations provide version control for your database schema.
+
+## Quick Reference
+
+```bash
+# Run pending migrations
+npm run db:migrate
+
+# Undo last migration
+npm run db:migrate:undo
+
+# Undo all migrations
+npm run db:migrate:undo:all
+
+# Check migration status
+npm run db:migrate:status
+
+# Test all migrations (up, down, up)
+npm run test:migrations
+```
+
+## Available Commands
+
+### `npm run db:migrate`
+
+**Purpose:** Runs all pending migrations that haven't been applied yet.
+
+- Checks the `SequelizeMeta` table to see which migrations have already run
+- Executes the `up` function in each pending migration file in order
+- Records each successful migration in the `SequelizeMeta` table
+- **When to use:** Deploy new schema changes to your database
+
+### `npm run db:migrate:undo`
+
+**Purpose:** Rolls back the most recent migration.
+
+- Executes the `down` function of the last applied migration
+- Removes that migration's entry from `SequelizeMeta`
+- **When to use:** Quickly revert the last change if something went wrong
+
+### `npm run db:migrate:undo:all`
+
+**Purpose:** Rolls back ALL migrations, returning to an empty database.
+
+- Executes the `down` function of every migration in reverse order
+- Clears the `SequelizeMeta` table
+- **When to use:** Reset development database to start fresh, or in testing
+
+### `npm run db:migrate:status`
+
+**Purpose:** Shows the status of all migrations.
+
+- Lists which migrations have been executed (with timestamps)
+- Shows which migrations are pending
+- **When to use:** Check what's been applied before deploying or debugging
+
+### `npm run db:create`
+
+**Purpose:** Creates the database specified in your config.
+
+- Reads `DB_NAME` from environment variables
+- Creates a new PostgreSQL database with that name
+- **When to use:** Initial setup on a new environment
+
+### `npm run test:migrations`
+
+**Purpose:** Automated testing of migrations (to be implemented in Phase 4).
+
+- Will create a fresh test database
+- Run all migrations up, then down, then up again
+- Verify migrations are reversible and idempotent
+- **When to use:** In CI/CD pipeline before merging migration changes
+
+## Environment Configuration
+
+All commands use the environment specified by `NODE_ENV` (dev, test, qa, prod) and load the corresponding `.env` file automatically.
+
+Examples:
+
+```bash
+# Run migrations in development
+NODE_ENV=dev npm run db:migrate
+
+# Check status in QA environment
+NODE_ENV=qa npm run db:migrate:status
+
+# Run migrations in production
+NODE_ENV=prod npm run db:migrate
+```
+
+## Creating a New Migration
+
+```bash
+# Generate a new migration file
+npx sequelize-cli migration:generate --name description-of-change
+```
+
+This creates a timestamped file in `backend/migrations/`:
+
+```
+20241125123456-description-of-change.js
+```
+
+### Migration File Structure
+
+```javascript
+module.exports = {
+  up: async (queryInterface, Sequelize) => {
+    // Schema changes to apply
+  },
+  down: async (queryInterface, Sequelize) => {
+    // How to revert the changes
+  },
+};
+```
+
+## Naming Conventions
+
+Use descriptive names that indicate the action:
+
+- `create-users` - Creating a new table
+- `add-email-to-users` - Adding a column
+- `remove-legacy-field-from-items` - Removing a column
+- `add-index-on-users-email` - Adding an index
+- `change-status-enum-in-rentals` - Modifying a column
+
+## Zero-Downtime Patterns
+
+### Adding a Column (Safe)
+
+```javascript
+up: async (queryInterface, Sequelize) => {
+  await queryInterface.addColumn("users", "newField", {
+    type: Sequelize.STRING,
+    allowNull: true, // Must be nullable or have default
+  });
+};
+```
+
+### Adding a NOT NULL Column
+
+```javascript
+// Step 1: Add as nullable
+up: async (queryInterface, Sequelize) => {
+  await queryInterface.addColumn("users", "newField", {
+    type: Sequelize.STRING,
+    allowNull: true,
+  });
+};
+
+// Step 2: Backfill data (separate migration)
+up: async (queryInterface, Sequelize) => {
+  await queryInterface.sequelize.query(
+    `UPDATE users SET "newField" = 'default_value' WHERE "newField" IS NULL`
+  );
+};
+
+// Step 3: Add NOT NULL constraint (separate migration, after code deployed)
+up: async (queryInterface, Sequelize) => {
+  await queryInterface.changeColumn("users", "newField", {
+    type: Sequelize.STRING,
+    allowNull: false,
+  });
+};
+```
+
+### Removing a Column (3-Step Process)
+
+1. **Deploy 1**: Update code to stop reading/writing the column
+2. **Deploy 2**: Run migration to remove column
+3. **Deploy 3**: Remove column references from model (cleanup)
+
+```javascript
+// Migration in Deploy 2
+up: async (queryInterface) => {
+  await queryInterface.removeColumn('users', 'oldField');
+},
+down: async (queryInterface, Sequelize) => {
+  await queryInterface.addColumn('users', 'oldField', {
+    type: Sequelize.STRING,
+    allowNull: true
+  });
+}
+```
+
+### Renaming a Column (3-Step Process)
+
+```javascript
+// Deploy 1: Add new column, copy data
+up: async (queryInterface, Sequelize) => {
+  await queryInterface.addColumn("users", "newName", {
+    type: Sequelize.STRING,
+  });
+  await queryInterface.sequelize.query(
+    'UPDATE users SET "newName" = "oldName"'
+  );
+};
+
+// Deploy 2: Update code to use newName, keep oldName as fallback
+// (no migration)
+
+// Deploy 3: Remove old column
+up: async (queryInterface) => {
+  await queryInterface.removeColumn("users", "oldName");
+};
+```
+
+### Creating Indexes (Use CONCURRENTLY)
+
+```javascript
+up: async (queryInterface) => {
+  await queryInterface.addIndex("users", ["email"], {
+    unique: true,
+    concurrently: true, // Prevents table locking
+    name: "users_email_unique",
+  });
+};
+```
+
+## Testing Checklist
+
+Before committing a migration:
+
+- [ ] Migration has both `up` and `down` functions
+- [ ] Tested locally: `npm run db:migrate`
+- [ ] Tested rollback: `npm run db:migrate:undo`
+- [ ] Tested re-apply: `npm run db:migrate`
+- [ ] Full test: `npm run test:migrations`
+- [ ] Application starts and works correctly
+- [ ] No data loss in `down` migration (where possible)
+
+## Deployment Checklist
+
+Before deploying to production:
+
+- [ ] Backup production database
+- [ ] Test migration on copy of production data
+- [ ] Review migration for safety (no destructive operations)
+- [ ] Schedule during low-traffic window
+- [ ] Have rollback plan ready
+- [ ] Monitor logs after deployment
+
+## Rollback Procedures
+
+### Undo Last Migration
+
+```bash
+npm run db:migrate:undo
+```
+
+### Undo Multiple Migrations
+
+```bash
+# Undo last 3 migrations
+npx sequelize-cli db:migrate:undo --step 3
+```
+
+### Undo to Specific Migration
+
+```bash
+npx sequelize-cli db:migrate:undo:all --to 20241124000005-create-rentals.js
+```
+
+## Common Issues
+
+### "Migration file not found"
+
+Ensure the migration filename in `SequelizeMeta` matches the file on disk.
+
+### "Column already exists"
+
+The migration may have partially run. Check the schema and either:
+
+- Manually fix the schema
+- Mark migration as complete: `INSERT INTO "SequelizeMeta" VALUES ('filename.js')`
+
+### "Cannot drop column - dependent objects"
+
+Drop dependent indexes/constraints first:
+
+```javascript
+await queryInterface.removeIndex("users", "index_name");
+await queryInterface.removeColumn("users", "column_name");
+```
+
+### Foreign Key Constraint Failures
+
+Ensure data integrity before adding constraints:
+
+```javascript
+// Clean orphaned records first
+await queryInterface.sequelize.query(
+  'DELETE FROM rentals WHERE "itemId" NOT IN (SELECT id FROM items)'
+);
+// Then add constraint
+await queryInterface.addConstraint("rentals", {
+  fields: ["itemId"],
+  type: "foreign key",
+  references: { table: "items", field: "id" },
+});
+```

backend/models/ImageMetadata.js

@@ -0,0 +1,88 @@
+const { DataTypes } = require("sequelize");
+const sequelize = require("../config/database");
+
+const ImageMetadata = sequelize.define(
+  "ImageMetadata",
+  {
+    id: {
+      type: DataTypes.UUID,
+      defaultValue: DataTypes.UUIDV4,
+      primaryKey: true,
+    },
+    s3Key: {
+      type: DataTypes.TEXT,
+      allowNull: false,
+      unique: true,
+    },
+    latitude: {
+      type: DataTypes.DECIMAL(10, 8),
+      allowNull: true,
+    },
+    longitude: {
+      type: DataTypes.DECIMAL(11, 8),
+      allowNull: true,
+    },
+    cameraMake: {
+      type: DataTypes.STRING(100),
+      allowNull: true,
+    },
+    cameraModel: {
+      type: DataTypes.STRING(100),
+      allowNull: true,
+    },
+    cameraSoftware: {
+      type: DataTypes.STRING(100),
+      allowNull: true,
+    },
+    dateTaken: {
+      type: DataTypes.DATE,
+      allowNull: true,
+    },
+    width: {
+      type: DataTypes.INTEGER,
+      allowNull: true,
+    },
+    height: {
+      type: DataTypes.INTEGER,
+      allowNull: true,
+    },
+    orientation: {
+      type: DataTypes.INTEGER,
+      allowNull: true,
+    },
+    fileSize: {
+      type: DataTypes.INTEGER,
+      allowNull: true,
+    },
+    processingStatus: {
+      type: DataTypes.ENUM("pending", "processing", "completed", "failed"),
+      allowNull: false,
+      defaultValue: "pending",
+    },
+    processedAt: {
+      type: DataTypes.DATE,
+      allowNull: true,
+    },
+    errorMessage: {
+      type: DataTypes.TEXT,
+      allowNull: true,
+    },
+  },
+  {
+    timestamps: true,
+    indexes: [
+      {
+        fields: ["s3Key"],
+        unique: true,
+      },
+      {
+        fields: ["latitude", "longitude"],
+      },
+      {
+        fields: ["processingStatus"],
+      },
+    ],
+  }
+);
+
+module.exports = ImageMetadata;

backend/models/Item.js

@@ -95,11 +95,11 @@ const Item = sequelize.define("Item", {
   },
   availableAfter: {
     type: DataTypes.STRING,
-    defaultValue: "09:00",
+    defaultValue: "00:00",
   },
   availableBefore: {
     type: DataTypes.STRING,
-    defaultValue: "17:00",
+    defaultValue: "23:00",
   },
   specifyTimesPerDay: {
     type: DataTypes.BOOLEAN,
@@ -108,13 +108,13 @@ const Item = sequelize.define("Item", {
   weeklyTimes: {
     type: DataTypes.JSONB,
     defaultValue: {
-      sunday: { availableAfter: "09:00", availableBefore: "17:00" },
-      monday: { availableAfter: "09:00", availableBefore: "17:00" },
-      tuesday: { availableAfter: "09:00", availableBefore: "17:00" },
-      wednesday: { availableAfter: "09:00", availableBefore: "17:00" },
-      thursday: { availableAfter: "09:00", availableBefore: "17:00" },
-      friday: { availableAfter: "09:00", availableBefore: "17:00" },
-      saturday: { availableAfter: "09:00", availableBefore: "17:00" },
+      sunday: { availableAfter: "00:00", availableBefore: "23:00" },
+      monday: { availableAfter: "00:00", availableBefore: "23:00" },
+      tuesday: { availableAfter: "00:00", availableBefore: "23:00" },
+      wednesday: { availableAfter: "00:00", availableBefore: "23:00" },
+      thursday: { availableAfter: "00:00", availableBefore: "23:00" },
+      friday: { availableAfter: "00:00", availableBefore: "23:00" },
+      saturday: { availableAfter: "00:00", availableBefore: "23:00" },
     },
   },
   ownerId: {

backend/models/Rental.js

@@ -67,11 +67,11 @@ const Rental = sequelize.define("Rental", {
     allowNull: false,
   },
   paymentStatus: {
-    type: DataTypes.ENUM("pending", "paid", "refunded", "not_required"),
+    type: DataTypes.ENUM("pending", "paid", "refunded", "not_required", "requires_action"),
     allowNull: false,
   },
   payoutStatus: {
-    type: DataTypes.ENUM("pending", "completed", "failed"),
+    type: DataTypes.ENUM("pending", "completed", "failed", "on_hold"),
     allowNull: true,
   },
   payoutProcessedAt: {
@@ -80,6 +80,66 @@ const Rental = sequelize.define("Rental", {
   stripeTransferId: {
     type: DataTypes.STRING,
   },
+  // Bank deposit tracking fields (for tracking when Stripe deposits to owner's bank)
+  bankDepositStatus: {
+    type: DataTypes.ENUM("pending", "in_transit", "paid", "failed", "canceled"),
+    allowNull: true,
+  },
+  bankDepositAt: {
+    type: DataTypes.DATE,
+  },
+  stripePayoutId: {
+    type: DataTypes.STRING,
+  },
+  bankDepositFailureCode: {
+    type: DataTypes.STRING,
+  },
+  // Dispute tracking fields (for tracking Stripe payment disputes/chargebacks)
+  // Stripe dispute statuses: https://docs.stripe.com/api/disputes/object#dispute_object-status
+  stripeDisputeStatus: {
+    type: DataTypes.ENUM(
+      "needs_response",
+      "under_review",
+      "won",
+      "lost",
+      "warning_needs_response",
+      "warning_under_review",
+      "warning_closed"
+    ),
+    allowNull: true,
+  },
+  stripeDisputeId: {
+    type: DataTypes.STRING,
+    allowNull: true,
+  },
+  stripeDisputeReason: {
+    type: DataTypes.STRING,
+    allowNull: true,
+  },
+  stripeDisputeAmount: {
+    type: DataTypes.INTEGER,
+    allowNull: true,
+  },
+  stripeDisputeCreatedAt: {
+    type: DataTypes.DATE,
+    allowNull: true,
+  },
+  stripeDisputeEvidenceDueBy: {
+    type: DataTypes.DATE,
+    allowNull: true,
+  },
+  stripeDisputeClosedAt: {
+    type: DataTypes.DATE,
+    allowNull: true,
+  },
+  stripeDisputeLost: {
+    type: DataTypes.BOOLEAN,
+    defaultValue: false,
+  },
+  stripeDisputeLostAmount: {
+    type: DataTypes.INTEGER,
+    allowNull: true,
+  },
   // Refund tracking fields
   refundAmount: {
     type: DataTypes.DECIMAL(10, 2),
@@ -117,6 +177,21 @@ const Rental = sequelize.define("Rental", {
   chargedAt: {
     type: DataTypes.DATE,
   },
+  // Payment failure notification tracking
+  paymentFailedNotifiedAt: {
+    type: DataTypes.DATE,
+  },
+  paymentFailedReason: {
+    type: DataTypes.TEXT,
+  },
+  // Payment method update rate limiting
+  paymentMethodUpdatedAt: {
+    type: DataTypes.DATE,
+  },
+  paymentMethodUpdateCount: {
+    type: DataTypes.INTEGER,
+    defaultValue: 0,
+  },
   deliveryMethod: {
     type: DataTypes.ENUM("pickup", "delivery"),
     defaultValue: "pickup",

backend/models/User.js

@@ -89,11 +89,11 @@ const User = sequelize.define(
     },
     defaultAvailableAfter: {
       type: DataTypes.STRING,
-      defaultValue: "09:00",
+      defaultValue: "00:00",
     },
     defaultAvailableBefore: {
       type: DataTypes.STRING,
-      defaultValue: "17:00",
+      defaultValue: "23:00",
     },
     defaultSpecifyTimesPerDay: {
       type: DataTypes.BOOLEAN,
@@ -102,23 +102,46 @@ const User = sequelize.define(
     defaultWeeklyTimes: {
       type: DataTypes.JSONB,
       defaultValue: {
-        sunday: { availableAfter: "09:00", availableBefore: "17:00" },
-        monday: { availableAfter: "09:00", availableBefore: "17:00" },
-        tuesday: { availableAfter: "09:00", availableBefore: "17:00" },
-        wednesday: { availableAfter: "09:00", availableBefore: "17:00" },
-        thursday: { availableAfter: "09:00", availableBefore: "17:00" },
-        friday: { availableAfter: "09:00", availableBefore: "17:00" },
-        saturday: { availableAfter: "09:00", availableBefore: "17:00" },
+        sunday: { availableAfter: "00:00", availableBefore: "23:00" },
+        monday: { availableAfter: "00:00", availableBefore: "23:00" },
+        tuesday: { availableAfter: "00:00", availableBefore: "23:00" },
+        wednesday: { availableAfter: "00:00", availableBefore: "23:00" },
+        thursday: { availableAfter: "00:00", availableBefore: "23:00" },
+        friday: { availableAfter: "00:00", availableBefore: "23:00" },
+        saturday: { availableAfter: "00:00", availableBefore: "23:00" },
       },
     },
     stripeConnectedAccountId: {
       type: DataTypes.STRING,
       allowNull: true,
     },
+    stripePayoutsEnabled: {
+      type: DataTypes.BOOLEAN,
+      defaultValue: false,
+      allowNull: true,
+    },
     stripeCustomerId: {
       type: DataTypes.STRING,
       allowNull: true,
     },
+    stripeRequirementsCurrentlyDue: {
+      type: DataTypes.JSON,
+      defaultValue: [],
+      allowNull: true,
+    },
+    stripeRequirementsPastDue: {
+      type: DataTypes.JSON,
+      defaultValue: [],
+      allowNull: true,
+    },
+    stripeDisabledReason: {
+      type: DataTypes.STRING,
+      allowNull: true,
+    },
+    stripeRequirementsLastUpdated: {
+      type: DataTypes.DATE,
+      allowNull: true,
+    },
     loginAttempts: {
       type: DataTypes.INTEGER,
       defaultValue: 0,
@@ -137,6 +160,23 @@ const User = sequelize.define(
       defaultValue: "user",
       allowNull: false,
     },
+    isBanned: {
+      type: DataTypes.BOOLEAN,
+      defaultValue: false,
+      allowNull: false,
+    },
+    bannedAt: {
+      type: DataTypes.DATE,
+      allowNull: true,
+    },
+    bannedBy: {
+      type: DataTypes.UUID,
+      allowNull: true,
+    },
+    banReason: {
+      type: DataTypes.TEXT,
+      allowNull: true,
+    },
     itemRequestNotificationRadius: {
       type: DataTypes.INTEGER,
       defaultValue: 10,
@@ -151,6 +191,66 @@ const User = sequelize.define(
       defaultValue: 0,
       allowNull: true,
     },
+    // Two-Factor Authentication fields
+    twoFactorEnabled: {
+      type: DataTypes.BOOLEAN,
+      defaultValue: false,
+      allowNull: false,
+    },
+    twoFactorMethod: {
+      type: DataTypes.ENUM("totp", "email"),
+      allowNull: true,
+    },
+    totpSecret: {
+      type: DataTypes.STRING,
+      allowNull: true,
+    },
+    totpSecretIv: {
+      type: DataTypes.STRING,
+      allowNull: true,
+    },
+    // Email OTP fields (backup method)
+    emailOtpCode: {
+      type: DataTypes.STRING,
+      allowNull: true,
+    },
+    emailOtpExpiry: {
+      type: DataTypes.DATE,
+      allowNull: true,
+    },
+    emailOtpAttempts: {
+      type: DataTypes.INTEGER,
+      defaultValue: 0,
+      allowNull: false,
+    },
+    // Recovery codes
+    recoveryCodesHash: {
+      type: DataTypes.TEXT,
+      allowNull: true,
+    },
+    recoveryCodesGeneratedAt: {
+      type: DataTypes.DATE,
+      allowNull: true,
+    },
+    // Step-up session tracking
+    twoFactorVerifiedAt: {
+      type: DataTypes.DATE,
+      allowNull: true,
+    },
+    // Temporary secret during setup
+    twoFactorSetupPendingSecret: {
+      type: DataTypes.STRING,
+      allowNull: true,
+    },
+    twoFactorSetupPendingSecretIv: {
+      type: DataTypes.STRING,
+      allowNull: true,
+    },
+    // TOTP replay protection
+    recentTotpCodes: {
+      type: DataTypes.TEXT,
+      allowNull: true,
+    },
   },
   {
     hooks: {
@@ -165,7 +265,7 @@ const User = sequelize.define(
         }
       },
     },
-  }
+  },
 );
 
 User.prototype.comparePassword = async function (password) {
@@ -176,7 +276,7 @@ User.prototype.comparePassword = async function (password) {
 };
 
 // Account lockout constants
-const MAX_LOGIN_ATTEMPTS = 5;
+const MAX_LOGIN_ATTEMPTS = 10;
 const LOCK_TIME = 2 * 60 * 60 * 1000; // 2 hours
 
 // Check if account is locked
@@ -338,4 +438,278 @@ User.prototype.resetPassword = async function (newPassword) {
   });
 };
 
+// Ban user method - sets ban fields and invalidates all sessions
+User.prototype.banUser = async function (adminId, reason) {
+  return this.update({
+    isBanned: true,
+    bannedAt: new Date(),
+    bannedBy: adminId,
+    banReason: reason,
+    // Increment JWT version to immediately invalidate all sessions
+    jwtVersion: this.jwtVersion + 1,
+  });
+};
+
+// Unban user method - clears ban fields
+User.prototype.unbanUser = async function () {
+  return this.update({
+    isBanned: false,
+    bannedAt: null,
+    bannedBy: null,
+    banReason: null,
+    // We don't increment jwtVersion on unban - user will need to log in fresh
+  });
+};
+
+// Two-Factor Authentication methods
+const TwoFactorService = require("../services/TwoFactorService");
+
+// Store pending TOTP secret during setup
+User.prototype.storePendingTotpSecret = async function (
+  encryptedSecret,
+  encryptedSecretIv,
+) {
+  return this.update({
+    twoFactorSetupPendingSecret: encryptedSecret,
+    twoFactorSetupPendingSecretIv: encryptedSecretIv,
+  });
+};
+
+// Enable TOTP 2FA after verification
+User.prototype.enableTotp = async function (recoveryCodes) {
+  const hashedCodes = await Promise.all(
+    recoveryCodes.map((code) => bcrypt.hash(code, 12)),
+  );
+
+  // Store in structured format
+  const recoveryData = {
+    version: 1,
+    codes: hashedCodes.map((hash) => ({
+      hash,
+      used: false,
+    })),
+  };
+
+  return this.update({
+    twoFactorEnabled: true,
+    twoFactorMethod: "totp",
+    totpSecret: this.twoFactorSetupPendingSecret,
+    totpSecretIv: this.twoFactorSetupPendingSecretIv,
+    twoFactorSetupPendingSecret: null,
+    twoFactorSetupPendingSecretIv: null,
+    recoveryCodesHash: JSON.stringify(recoveryData),
+    recoveryCodesGeneratedAt: new Date(),
+    twoFactorVerifiedAt: new Date(), // Consider setup as verification
+  });
+};
+
+// Enable Email 2FA
+User.prototype.enableEmailTwoFactor = async function (recoveryCodes) {
+  const hashedCodes = await Promise.all(
+    recoveryCodes.map((code) => bcrypt.hash(code, 12)),
+  );
+
+  // Store in structured format
+  const recoveryData = {
+    version: 1,
+    codes: hashedCodes.map((hash) => ({
+      hash,
+      used: false,
+    })),
+  };
+
+  return this.update({
+    twoFactorEnabled: true,
+    twoFactorMethod: "email",
+    recoveryCodesHash: JSON.stringify(recoveryData),
+    recoveryCodesGeneratedAt: new Date(),
+    twoFactorVerifiedAt: new Date(),
+  });
+};
+
+// Disable 2FA
+User.prototype.disableTwoFactor = async function () {
+  return this.update({
+    twoFactorEnabled: false,
+    twoFactorMethod: null,
+    totpSecret: null,
+    totpSecretIv: null,
+    emailOtpCode: null,
+    emailOtpExpiry: null,
+    emailOtpAttempts: 0,
+    recoveryCodesHash: null,
+    recoveryCodesGeneratedAt: null,
+    twoFactorVerifiedAt: null,
+    twoFactorSetupPendingSecret: null,
+    twoFactorSetupPendingSecretIv: null,
+  });
+};
+
+// Generate and store email OTP
+User.prototype.generateEmailOtp = async function () {
+  const { code, hashedCode, expiry } = TwoFactorService.generateEmailOtp();
+
+  await this.update({
+    emailOtpCode: hashedCode,
+    emailOtpExpiry: expiry,
+    emailOtpAttempts: 0,
+  });
+
+  return code; // Return plain code for sending via email
+};
+
+// Verify email OTP
+User.prototype.verifyEmailOtp = function (inputCode) {
+  return TwoFactorService.verifyEmailOtp(
+    inputCode,
+    this.emailOtpCode,
+    this.emailOtpExpiry,
+  );
+};
+
+// Increment email OTP attempts
+User.prototype.incrementEmailOtpAttempts = async function () {
+  const newAttempts = (this.emailOtpAttempts || 0) + 1;
+  await this.update({ emailOtpAttempts: newAttempts });
+  return newAttempts;
+};
+
+// Check if email OTP is locked
+User.prototype.isEmailOtpLocked = function () {
+  return TwoFactorService.isEmailOtpLocked(this.emailOtpAttempts || 0);
+};
+
+// Clear email OTP after successful verification
+User.prototype.clearEmailOtp = async function () {
+  return this.update({
+    emailOtpCode: null,
+    emailOtpExpiry: null,
+    emailOtpAttempts: 0,
+  });
+};
+
+// Check if a TOTP code was recently used (replay protection)
+User.prototype.hasUsedTotpCode = function (code) {
+  const crypto = require("crypto");
+  const recentCodes = JSON.parse(this.recentTotpCodes || "[]");
+  const codeHash = crypto.createHash("sha256").update(code).digest("hex");
+  return recentCodes.includes(codeHash);
+};
+
+// Mark a TOTP code as used (replay protection)
+User.prototype.markTotpCodeUsed = async function (code) {
+  const crypto = require("crypto");
+  const recentCodes = JSON.parse(this.recentTotpCodes || "[]");
+  const codeHash = crypto.createHash("sha256").update(code).digest("hex");
+  recentCodes.unshift(codeHash);
+  // Keep only last 5 codes (covers about 2.5 minutes of 30-second windows)
+  await this.update({
+    recentTotpCodes: JSON.stringify(recentCodes.slice(0, 5)),
+  });
+};
+
+// Verify TOTP code with replay protection
+User.prototype.verifyTotpCode = function (code) {
+  if (!this.totpSecret || !this.totpSecretIv) {
+    return false;
+  }
+  // Check for replay attack
+  if (this.hasUsedTotpCode(code)) {
+    return false;
+  }
+  return TwoFactorService.verifyTotpCode(
+    this.totpSecret,
+    this.totpSecretIv,
+    code,
+  );
+};
+
+// Verify pending TOTP code (during setup)
+User.prototype.verifyPendingTotpCode = function (code) {
+  if (
+    !this.twoFactorSetupPendingSecret ||
+    !this.twoFactorSetupPendingSecretIv
+  ) {
+    return false;
+  }
+  return TwoFactorService.verifyTotpCode(
+    this.twoFactorSetupPendingSecret,
+    this.twoFactorSetupPendingSecretIv,
+    code,
+  );
+};
+
+// Use a recovery code
+User.prototype.useRecoveryCode = async function (inputCode) {
+  if (!this.recoveryCodesHash) {
+    return { valid: false };
+  }
+
+  const recoveryData = JSON.parse(this.recoveryCodesHash);
+  const { valid, index } = await TwoFactorService.verifyRecoveryCode(
+    inputCode,
+    recoveryData,
+  );
+
+  if (valid) {
+    // Handle both old and new format
+    if (recoveryData.version) {
+      // New structured format - mark as used with timestamp
+      recoveryData.codes[index].used = true;
+      recoveryData.codes[index].usedAt = new Date().toISOString();
+    } else {
+      // Legacy format - set to null
+      recoveryData[index] = null;
+    }
+
+    await this.update({
+      recoveryCodesHash: JSON.stringify(recoveryData),
+      twoFactorVerifiedAt: new Date(),
+    });
+  }
+
+  return {
+    valid,
+    remainingCodes:
+      TwoFactorService.getRemainingRecoveryCodesCount(recoveryData),
+  };
+};
+
+// Get remaining recovery codes count
+User.prototype.getRemainingRecoveryCodes = function () {
+  if (!this.recoveryCodesHash) {
+    return 0;
+  }
+  const recoveryData = JSON.parse(this.recoveryCodesHash);
+  return TwoFactorService.getRemainingRecoveryCodesCount(recoveryData);
+};
+
+// Regenerate recovery codes
+User.prototype.regenerateRecoveryCodes = async function () {
+  const { codes, hashedCodes } = await TwoFactorService.generateRecoveryCodes();
+
+  // Store in structured format
+  const recoveryData = {
+    version: 1,
+    codes: hashedCodes.map((hash) => ({
+      hash,
+      used: false,
+    })),
+  };
+
+  await this.update({
+    recoveryCodesHash: JSON.stringify(recoveryData),
+    recoveryCodesGeneratedAt: new Date(),
+  });
+
+  return codes; // Return plain codes for display to user
+};
+
+// Update step-up verification timestamp
+User.prototype.updateStepUpSession = async function () {
+  return this.update({
+    twoFactorVerifiedAt: new Date(),
+  });
+};
+
 module.exports = User;

backend/models/index.js

@@ -10,6 +10,7 @@ const UserAddress = require("./UserAddress");
 const ConditionCheck = require("./ConditionCheck");
 const AlphaInvitation = require("./AlphaInvitation");
 const Feedback = require("./Feedback");
+const ImageMetadata = require("./ImageMetadata");
 
 User.hasMany(Item, { as: "ownedItems", foreignKey: "ownerId" });
 Item.belongsTo(User, { as: "owner", foreignKey: "ownerId" });
@@ -91,4 +92,5 @@ module.exports = {
   ConditionCheck,
   AlphaInvitation,
   Feedback,
+  ImageMetadata,
 };

backend/package.json

@@ -35,6 +35,7 @@
   "license": "ISC",
   "dependencies": {
     "@aws-sdk/client-s3": "^3.940.0",
+    "@aws-sdk/client-scheduler": "^3.896.0",
     "@aws-sdk/client-ses": "^3.896.0",
     "@aws-sdk/credential-providers": "^3.901.0",
     "@aws-sdk/s3-request-presigner": "^3.940.0",
@@ -54,8 +55,9 @@
     "jsdom": "^27.0.0",
     "jsonwebtoken": "^9.0.2",
     "morgan": "^1.10.1",
-    "node-cron": "^3.0.3",
+    "otplib": "^13.1.1",
     "pg": "^8.16.3",
+    "qrcode": "^1.5.4",
     "sequelize": "^6.37.7",
     "sequelize-cli": "^6.6.3",
     "socket.io": "^4.8.1",
@@ -65,7 +67,10 @@
     "winston-daily-rotate-file": "^5.0.0"
   },
   "devDependencies": {
+    "@babel/core": "^7.28.6",
+    "@babel/preset-env": "^7.28.6",
     "@types/jest": "^30.0.0",
+    "babel-jest": "^30.2.0",
     "jest": "^30.1.3",
     "nodemon": "^3.1.10",
     "sequelize-mock": "^0.10.2",

backend/routes/alpha.js

@@ -91,7 +91,7 @@ router.post("/validate-code", alphaCodeValidationLimiter, async (req, res) => {
 
     res.cookie("alphaAccessCode", cookieData, {
       httpOnly: true,
-      secure: process.env.NODE_ENV === "production",
+      secure: ["production", "prod", "qa"].includes(process.env.NODE_ENV),
       sameSite: "strict",
       maxAge: 30 * 24 * 60 * 60 * 1000, // 30 days
     });

backend/routes/auth.js

@@ -28,8 +28,7 @@ const router = express.Router();
 const googleClient = new OAuth2Client(
   process.env.GOOGLE_CLIENT_ID,
   process.env.GOOGLE_CLIENT_SECRET,
-  process.env.GOOGLE_REDIRECT_URI ||
-    "http://localhost:3000/auth/google/callback"
+  process.env.GOOGLE_REDIRECT_URI,
 );
 
 // Get CSRF token endpoint
@@ -120,13 +119,14 @@ router.post(
       try {
         await emailServices.auth.sendVerificationEmail(
           user,
-          user.verificationToken
+          user.verificationToken,
         );
         verificationEmailSent = true;
       } catch (emailError) {
         const reqLogger = logger.withRequestId(req.id);
         reqLogger.error("Failed to send verification email", {
           error: emailError.message,
+          stack: emailError.stack,
           userId: user.id,
           email: user.email,
         });
@@ -136,28 +136,26 @@ router.post(
       const token = jwt.sign(
         { id: user.id, jwtVersion: user.jwtVersion },
         process.env.JWT_ACCESS_SECRET,
-        { expiresIn: "15m" } // Short-lived access token
+        { expiresIn: "15m" }, // Short-lived access token
       );
 
       const refreshToken = jwt.sign(
         { id: user.id, jwtVersion: user.jwtVersion, type: "refresh" },
         process.env.JWT_REFRESH_SECRET,
-        { expiresIn: "7d" }
+        { expiresIn: "7d" },
       );
 
       // Set tokens as httpOnly cookies
       res.cookie("accessToken", token, {
         httpOnly: true,
-        secure:
-          process.env.NODE_ENV === "prod" || process.env.NODE_ENV === "qa",
+        secure: ["production", "prod", "qa"].includes(process.env.NODE_ENV),
         sameSite: "strict",
         maxAge: 15 * 60 * 1000, // 15 minutes
       });
 
       res.cookie("refreshToken", refreshToken, {
         httpOnly: true,
-        secure:
-          process.env.NODE_ENV === "prod" || process.env.NODE_ENV === "qa",
+        secure: ["production", "prod", "qa"].includes(process.env.NODE_ENV),
         sameSite: "strict",
         maxAge: 7 * 24 * 60 * 60 * 1000, // 7 days
       });
@@ -189,7 +187,7 @@ router.post(
       });
       res.status(500).json({ error: "Registration failed. Please try again." });
     }
-  }
+  },
 );
 
 router.post(
@@ -206,8 +204,7 @@ router.post(
 
       if (!user) {
         return res.status(401).json({
-          error:
-            "Unable to log in. Please check your email and password, or create an account.",
+          error: "Please check your email and password, or create an account.",
         });
       }
 
@@ -215,7 +212,16 @@ router.post(
       if (user.isLocked()) {
         return res.status(423).json({
           error:
-            "Account is temporarily locked due to too many failed login attempts. Please try again later.",
+            "Account is temporarily locked due to too many failed login attempts. Please try again in 2 hours.",
+        });
+      }
+
+      // Check if user is banned
+      if (user.isBanned) {
+        return res.status(403).json({
+          error:
+            "Your account has been suspended. Please contact support for more information.",
+          code: "USER_BANNED",
         });
       }
 
@@ -226,8 +232,7 @@ router.post(
         // Increment login attempts
         await user.incLoginAttempts();
         return res.status(401).json({
-          error:
-            "Unable to log in. Please check your email and password, or create an account.",
+          error: "Please check your email and password, or create an account.",
         });
       }
 
@@ -237,28 +242,26 @@ router.post(
       const token = jwt.sign(
         { id: user.id, jwtVersion: user.jwtVersion },
         process.env.JWT_ACCESS_SECRET,
-        { expiresIn: "15m" } // Short-lived access token
+        { expiresIn: "15m" }, // Short-lived access token
       );
 
       const refreshToken = jwt.sign(
         { id: user.id, jwtVersion: user.jwtVersion, type: "refresh" },
         process.env.JWT_REFRESH_SECRET,
-        { expiresIn: "7d" }
+        { expiresIn: "7d" },
       );
 
       // Set tokens as httpOnly cookies
       res.cookie("accessToken", token, {
         httpOnly: true,
-        secure:
-          process.env.NODE_ENV === "prod" || process.env.NODE_ENV === "qa",
+        secure: ["production", "prod", "qa"].includes(process.env.NODE_ENV),
         sameSite: "strict",
         maxAge: 15 * 60 * 1000, // 15 minutes
       });
 
       res.cookie("refreshToken", refreshToken, {
         httpOnly: true,
-        secure:
-          process.env.NODE_ENV === "prod" || process.env.NODE_ENV === "qa",
+        secure: ["production", "prod", "qa"].includes(process.env.NODE_ENV),
         sameSite: "strict",
         maxAge: 7 * 24 * 60 * 60 * 1000, // 7 days
       });
@@ -289,7 +292,7 @@ router.post(
       });
       res.status(500).json({ error: "Login failed. Please try again." });
     }
-  }
+  },
 );
 
 router.post(
@@ -311,9 +314,7 @@ router.post(
       // Exchange authorization code for tokens
       const { tokens } = await googleClient.getToken({
         code,
-        redirect_uri:
-          process.env.GOOGLE_REDIRECT_URI ||
-          "http://localhost:3000/auth/google/callback",
+        redirect_uri: process.env.GOOGLE_REDIRECT_URI,
       });
 
       // Verify the ID token from the token response
@@ -407,32 +408,39 @@ router.post(
         }
       }
 
+      // Check if user is banned
+      if (user.isBanned) {
+        return res.status(403).json({
+          error:
+            "Your account has been suspended. Please contact support for more information.",
+          code: "USER_BANNED",
+        });
+      }
+
       // Generate JWT tokens
       const token = jwt.sign(
         { id: user.id, jwtVersion: user.jwtVersion },
         process.env.JWT_ACCESS_SECRET,
-        { expiresIn: "15m" }
+        { expiresIn: "15m" },
       );
 
       const refreshToken = jwt.sign(
         { id: user.id, jwtVersion: user.jwtVersion, type: "refresh" },
         process.env.JWT_REFRESH_SECRET,
-        { expiresIn: "7d" }
+        { expiresIn: "7d" },
       );
 
       // Set tokens as httpOnly cookies
       res.cookie("accessToken", token, {
         httpOnly: true,
-        secure:
-          process.env.NODE_ENV === "prod" || process.env.NODE_ENV === "qa",
+        secure: ["production", "prod", "qa"].includes(process.env.NODE_ENV),
         sameSite: "strict",
         maxAge: 15 * 60 * 1000,
       });
 
       res.cookie("refreshToken", refreshToken, {
         httpOnly: true,
-        secure:
-          process.env.NODE_ENV === "prod" || process.env.NODE_ENV === "qa",
+        secure: ["production", "prod", "qa"].includes(process.env.NODE_ENV),
         sameSite: "strict",
         maxAge: 7 * 24 * 60 * 60 * 1000,
       });
@@ -479,7 +487,7 @@ router.post(
         .status(500)
         .json({ error: "Google authentication failed. Please try again." });
     }
-  }
+  },
 );
 
 // Email verification endpoint
@@ -596,7 +604,7 @@ router.post(
         error: "Email verification failed. Please try again.",
       });
     }
-  }
+  },
 );
 
 // Resend verification email endpoint
@@ -641,12 +649,13 @@ router.post(
       try {
         await emailServices.auth.sendVerificationEmail(
           user,
-          user.verificationToken
+          user.verificationToken,
         );
       } catch (emailError) {
         const reqLogger = logger.withRequestId(req.id);
         reqLogger.error("Failed to resend verification email", {
           error: emailError.message,
+          stack: emailError.stack,
           userId: user.id,
           email: user.email,
         });
@@ -681,7 +690,7 @@ router.post(
         error: "Failed to resend verification email. Please try again.",
       });
     }
-  }
+  },
 );
 
 // Refresh token endpoint
@@ -714,17 +723,26 @@ router.post("/refresh", async (req, res) => {
       });
     }
 
+    // Check if user is banned (defense-in-depth, jwtVersion should already catch this)
+    if (user.isBanned) {
+      return res.status(403).json({
+        error:
+          "Your account has been suspended. Please contact support for more information.",
+        code: "USER_BANNED",
+      });
+    }
+
     // Generate new access token
     const newAccessToken = jwt.sign(
       { id: user.id, jwtVersion: user.jwtVersion },
       process.env.JWT_ACCESS_SECRET,
-      { expiresIn: "15m" }
+      { expiresIn: "15m" },
     );
 
     // Set new access token cookie
     res.cookie("accessToken", newAccessToken, {
       httpOnly: true,
-      secure: process.env.NODE_ENV === "prod" || process.env.NODE_ENV === "qa",
+      secure: ["production", "prod", "qa"].includes(process.env.NODE_ENV),
       sameSite: "strict",
       maxAge: 15 * 60 * 1000,
     });
@@ -821,6 +839,7 @@ router.post(
           const reqLogger = logger.withRequestId(req.id);
           reqLogger.error("Failed to send password reset email", {
             error: emailError.message,
+            stack: emailError.stack,
             userId: user.id,
             email: user.email,
           });
@@ -832,7 +851,7 @@ router.post(
           "Password reset requested for non-existent or OAuth user",
           {
             email: email,
-          }
+          },
         );
       }
 
@@ -852,7 +871,7 @@ router.post(
         error: "Failed to process password reset request. Please try again.",
       });
     }
-  }
+  },
 );
 
 // Verify reset token endpoint (optional - for frontend UX)
@@ -906,7 +925,7 @@ router.post(
         error: "Failed to verify reset token. Please try again.",
       });
     }
-  }
+  },
 );
 
 // Reset password endpoint
@@ -962,6 +981,7 @@ router.post(
         const reqLogger = logger.withRequestId(req.id);
         reqLogger.error("Failed to send password changed notification", {
           error: emailError.message,
+          stack: emailError.stack,
           userId: user.id,
           email: user.email,
         });
@@ -988,7 +1008,7 @@ router.post(
         error: "Failed to reset password. Please try again.",
       });
     }
-  }
+  },
 );
 
 module.exports = router;

backend/routes/conditionChecks.js

@@ -7,6 +7,49 @@ const { IMAGE_LIMITS } = require("../config/imageLimits");
 
 const router = express.Router();
 
+// Get condition checks for multiple rentals in a single request (batch)
+router.get("/batch", authenticateToken, async (req, res) => {
+  try {
+    const { rentalIds } = req.query;
+
+    if (!rentalIds) {
+      return res.json({
+        success: true,
+        conditionChecks: [],
+      });
+    }
+
+    const ids = rentalIds.split(",").filter((id) => id.trim());
+
+    if (ids.length === 0) {
+      return res.json({
+        success: true,
+        conditionChecks: [],
+      });
+    }
+
+    const conditionChecks =
+      await ConditionCheckService.getConditionChecksForRentals(ids);
+
+    res.json({
+      success: true,
+      conditionChecks,
+    });
+  } catch (error) {
+    const reqLogger = logger.withRequestId(req.id);
+    reqLogger.error("Error fetching batch condition checks", {
+      error: error.message,
+      stack: error.stack,
+      rentalIds: req.query.rentalIds,
+    });
+
+    res.status(500).json({
+      success: false,
+      error: "Failed to fetch condition checks",
+    });
+  }
+});
+
 // Submit a condition check
 router.post("/:rentalId", authenticateToken, async (req, res) => {
   try {
@@ -20,9 +63,13 @@ router.post("/:rentalId", authenticateToken, async (req, res) => {
       : [];
 
     // Validate S3 keys format and folder
-    const keyValidation = validateS3Keys(imageFilenamesArray, "condition-checks", {
-      maxKeys: IMAGE_LIMITS.conditionChecks,
-    });
+    const keyValidation = validateS3Keys(
+      imageFilenamesArray,
+      "condition-checks",
+      {
+        maxKeys: IMAGE_LIMITS.conditionChecks,
+      }
+    );
     if (!keyValidation.valid) {
       return res.status(400).json({
         success: false,
@@ -57,6 +104,7 @@ router.post("/:rentalId", authenticateToken, async (req, res) => {
     const reqLogger = logger.withRequestId(req.id);
     reqLogger.error("Error submitting condition check", {
       error: error.message,
+      stack: error.stack,
       rentalId: req.params.rentalId,
       userId: req.user?.id,
     });
@@ -68,67 +116,16 @@ router.post("/:rentalId", authenticateToken, async (req, res) => {
   }
 });
 
-// Get condition checks for a rental
-router.get("/:rentalId", authenticateToken, async (req, res) => {
-  try {
-    const { rentalId } = req.params;
-
-    const conditionChecks = await ConditionCheckService.getConditionChecks(
-      rentalId
-    );
-
-    res.json({
-      success: true,
-      conditionChecks,
-    });
-  } catch (error) {
-    const reqLogger = logger.withRequestId(req.id);
-    reqLogger.error("Error fetching condition checks", {
-      error: error.message,
-      rentalId: req.params.rentalId,
-    });
-
-    res.status(500).json({
-      success: false,
-      error: "Failed to fetch condition checks",
-    });
-  }
-});
-
-// Get condition check timeline for a rental
-router.get("/:rentalId/timeline", authenticateToken, async (req, res) => {
-  try {
-    const { rentalId } = req.params;
-
-    const timeline = await ConditionCheckService.getConditionCheckTimeline(
-      rentalId
-    );
-
-    res.json({
-      success: true,
-      timeline,
-    });
-  } catch (error) {
-    const reqLogger = logger.withRequestId(req.id);
-    reqLogger.error("Error fetching condition check timeline", {
-      error: error.message,
-      rentalId: req.params.rentalId,
-    });
-
-    res.status(500).json({
-      success: false,
-      error: error.message,
-    });
-  }
-});
-
 // Get available condition checks for current user
 router.get("/", authenticateToken, async (req, res) => {
   try {
     const userId = req.user.id;
+    const { rentalIds } = req.query;
+    const ids = rentalIds ? rentalIds.split(",").filter((id) => id.trim()) : [];
 
     const availableChecks = await ConditionCheckService.getAvailableChecks(
-      userId
+      userId,
+      ids
     );
 
     res.json({
@@ -139,6 +136,7 @@ router.get("/", authenticateToken, async (req, res) => {
     const reqLogger = logger.withRequestId(req.id);
     reqLogger.error("Error fetching available checks", {
       error: error.message,
+      stack: error.stack,
       userId: req.user?.id,
     });
 

backend/routes/feedback.js

@@ -33,6 +33,7 @@ router.post('/', authenticateToken, sanitizeInput, validateFeedback, async (req,
     } catch (emailError) {
       reqLogger.error("Failed to send feedback confirmation email", {
         error: emailError.message,
+        stack: emailError.stack,
         userId: req.user.id,
         feedbackId: feedback.id
       });
@@ -45,6 +46,7 @@ router.post('/', authenticateToken, sanitizeInput, validateFeedback, async (req,
     } catch (emailError) {
       reqLogger.error("Failed to send feedback notification to admin", {
         error: emailError.message,
+        stack: emailError.stack,
         userId: req.user.id,
         feedbackId: feedback.id
       });

backend/routes/forum.js

@@ -2,6 +2,7 @@ const express = require('express');
 const { Op } = require('sequelize');
 const { ForumPost, ForumComment, PostTag, User } = require('../models');
 const { authenticateToken, requireAdmin, optionalAuth } = require('../middleware/auth');
+const { validateCoordinatesBody, handleValidationErrors } = require('../middleware/validation');
 const logger = require('../utils/logger');
 const emailServices = require('../services/email');
 const googleMapsService = require('../services/googleMapsService');
@@ -239,7 +240,7 @@ router.get('/posts/:id', optionalAuth, async (req, res, next) => {
 });
 
 // POST /api/forum/posts - Create new post
-router.post('/posts', authenticateToken, async (req, res, next) => {
+router.post('/posts', authenticateToken, ...validateCoordinatesBody, handleValidationErrors, async (req, res, next) => {
   try {
     // Require email verification
     if (!req.user.isVerified) {
@@ -311,6 +312,7 @@ router.post('/posts', authenticateToken, async (req, res, next) => {
           const reqLogger = logger.withRequestId(req.id);
           reqLogger.error("Geocoding failed for item request", {
             error: error.message,
+            stack: error.stack,
             zipCode
           });
           // Continue without coordinates - post will still be created
@@ -450,6 +452,7 @@ router.post('/posts', authenticateToken, async (req, res, next) => {
                 } catch (emailError) {
                   logger.error("Failed to send item request notification", {
                     error: emailError.message,
+                    stack: emailError.stack,
                     recipientId: user.id,
                     postId: post.id
                   });
@@ -727,7 +730,7 @@ router.patch('/posts/:id/status', authenticateToken, async (req, res, next) => {
             stack: emailError.stack,
             postId: req.params.id
           });
-          console.error("Email notification error:", emailError);
+          logger.error("Email notification error", { error: emailError });
         }
       })();
     }
@@ -907,7 +910,7 @@ router.patch('/posts/:id/accept-answer', authenticateToken, async (req, res, nex
             commentId: commentId,
             postId: req.params.id
           });
-          console.error("Email notification error:", emailError);
+          logger.error("Email notification error", { error: emailError });
         }
       })();
     }
@@ -1107,7 +1110,7 @@ router.post('/posts/:id/comments', authenticateToken, async (req, res, next) =>
           commentId: comment.id,
           postId: req.params.id
         });
-        console.error("Email notification error:", emailError);
+        logger.error("Email notification error", { error: emailError });
       }
     })();
 
@@ -1383,7 +1386,12 @@ router.delete('/admin/posts/:id', authenticateToken, requireAdmin, async (req, r
         }
       } catch (emailError) {
         // Log but don't fail the deletion
-        console.error('Failed to send forum post deletion notification email:', emailError.message);
+        logger.error('Failed to send forum post deletion notification email', {
+          error: emailError.message,
+          stack: emailError.stack,
+          postId: post.id,
+          authorId: post.authorId
+        });
       }
     })();
 
@@ -1511,7 +1519,12 @@ router.delete('/admin/comments/:id', authenticateToken, requireAdmin, async (req
         }
       } catch (emailError) {
         // Log but don't fail the deletion
-        console.error('Failed to send forum comment deletion notification email:', emailError.message);
+        logger.error('Failed to send forum comment deletion notification email', {
+          error: emailError.message,
+          stack: emailError.stack,
+          commentId: comment.id,
+          authorId: comment.authorId
+        });
       }
     })();
 
@@ -1677,7 +1690,7 @@ router.patch('/admin/posts/:id/close', authenticateToken, requireAdmin, async (r
           stack: emailError.stack,
           postId: req.params.id
         });
-        console.error("Email notification error:", emailError);
+        logger.error("Email notification error", { error: emailError });
       }
     })();
 

backend/routes/health.js

@@ -109,7 +109,7 @@ router.get("/ready", async (req, res) => {
       timestamp: new Date().toISOString(),
     });
   } catch (error) {
-    logger.error("Readiness check failed", { error: error.message });
+    logger.error("Readiness check failed", { error: error.message, stack: error.stack });
     res.status(503).json({
       status: "not_ready",
       timestamp: new Date().toISOString(),

backend/routes/items.js

@@ -1,7 +1,8 @@
 const express = require("express");
-const { Op } = require("sequelize");
-const { Item, User, Rental } = require("../models"); // Import from models/index.js to get models with associations
+const { Op, Sequelize } = require("sequelize");
+const { Item, User, Rental, sequelize } = require("../models"); // Import from models/index.js to get models with associations
 const { authenticateToken, requireVerifiedEmail, requireAdmin, optionalAuth } = require("../middleware/auth");
+const { validateCoordinatesQuery, validateCoordinatesBody, handleValidationErrors } = require("../middleware/validation");
 const logger = require("../utils/logger");
 const { validateS3Keys } = require("../utils/s3KeyValidator");
 const { IMAGE_LIMITS } = require("../config/imageLimits");
@@ -53,7 +54,7 @@ function extractAllowedFields(body) {
   return result;
 }
 
-router.get("/", async (req, res, next) => {
+router.get("/", validateCoordinatesQuery, async (req, res, next) => {
   try {
     const {
       minPrice,
@@ -61,6 +62,9 @@ router.get("/", async (req, res, next) => {
       city,
       zipCode,
       search,
+      lat,
+      lng,
+      radius = 25,
       page = 1,
       limit = 20,
     } = req.query;
@@ -74,8 +78,50 @@ router.get("/", async (req, res, next) => {
       if (minPrice) where.pricePerDay[Op.gte] = minPrice;
       if (maxPrice) where.pricePerDay[Op.lte] = maxPrice;
     }
-    if (city) where.city = { [Op.iLike]: `%${city}%` };
-    if (zipCode) where.zipCode = { [Op.iLike]: `%${zipCode}%` };
+
+    // Location filtering: Radius search OR city/ZIP fallback
+    if (lat && lng) {
+      // Parse and validate coordinates
+      const latNum = parseFloat(lat);
+      const lngNum = parseFloat(lng);
+      const radiusNum = parseFloat(radius);
+
+      if (!isNaN(latNum) && !isNaN(lngNum) && !isNaN(radiusNum)) {
+        // Bounding box pre-filter (fast, uses indexes)
+        // ~69 miles per degree latitude, longitude varies by latitude
+        const latDelta = radiusNum / 69;
+        const lngDelta = radiusNum / (69 * Math.cos(latNum * Math.PI / 180));
+
+        where.latitude = {
+          [Op.and]: [
+            { [Op.gte]: latNum - latDelta },
+            { [Op.lte]: latNum + latDelta },
+            { [Op.ne]: null }
+          ]
+        };
+        where.longitude = {
+          [Op.and]: [
+            { [Op.gte]: lngNum - lngDelta },
+            { [Op.lte]: lngNum + lngDelta },
+            { [Op.ne]: null }
+          ]
+        };
+
+        // Haversine formula for exact distance (applied after bounding box)
+        // 3959 = Earth's radius in miles
+        where[Op.and] = sequelize.literal(`
+          (3959 * acos(
+            cos(radians(${latNum})) * cos(radians("Item"."latitude")) *
+            cos(radians("Item"."longitude") - radians(${lngNum})) +
+            sin(radians(${latNum})) * sin(radians("Item"."latitude"))
+          )) <= ${radiusNum}
+        `);
+      }
+    } else {
+      // Fallback to city/ZIP string matching
+      if (city) where.city = { [Op.iLike]: `%${city}%` };
+      if (zipCode) where.zipCode = { [Op.iLike]: `%${zipCode}%` };
+    }
     if (search) {
       where[Op.or] = [
         { name: { [Op.iLike]: `%${search}%` } },
@@ -92,6 +138,10 @@ router.get("/", async (req, res, next) => {
           model: User,
           as: "owner",
           attributes: ["id", "firstName", "lastName", "imageFilename"],
+          where: {
+            isBanned: { [Op.ne]: true }
+          },
+          required: true,
         },
       ],
       limit: parseInt(limit),
@@ -113,7 +163,7 @@ router.get("/", async (req, res, next) => {
 
     const reqLogger = logger.withRequestId(req.id);
     reqLogger.info("Items search completed", {
-      filters: { minPrice, maxPrice, city, zipCode, search },
+      filters: { minPrice, maxPrice, city, zipCode, search, lat, lng, radius },
       resultsCount: count,
       page: parseInt(page),
       limit: parseInt(limit)
@@ -278,27 +328,51 @@ router.get("/:id", optionalAuth, async (req, res, next) => {
   }
 });
 
-router.post("/", authenticateToken, requireVerifiedEmail, async (req, res, next) => {
+router.post("/", authenticateToken, requireVerifiedEmail, ...validateCoordinatesBody, handleValidationErrors, async (req, res, next) => {
   try {
     // Extract only allowed fields (prevents mass assignment)
     const allowedData = extractAllowedFields(req.body);
 
-    // Validate imageFilenames if provided
-    if (allowedData.imageFilenames) {
-      const imageFilenames = Array.isArray(allowedData.imageFilenames)
-        ? allowedData.imageFilenames
-        : [];
+    // Validate imageFilenames - at least one image is required
+    const imageFilenames = Array.isArray(allowedData.imageFilenames)
+      ? allowedData.imageFilenames
+      : [];
 
-      const keyValidation = validateS3Keys(imageFilenames, 'items', { maxKeys: IMAGE_LIMITS.items });
-      if (!keyValidation.valid) {
-        return res.status(400).json({
-          error: keyValidation.error,
-          details: keyValidation.invalidKeys
-        });
-      }
-      allowedData.imageFilenames = imageFilenames;
+    if (imageFilenames.length === 0) {
+      return res.status(400).json({
+        error: "At least one image is required to create a listing"
+      });
     }
 
+    // Validate required fields
+    if (!allowedData.name || !allowedData.name.trim()) {
+      return res.status(400).json({ error: "Item name is required" });
+    }
+    if (!allowedData.address1 || !allowedData.address1.trim()) {
+      return res.status(400).json({ error: "Address is required" });
+    }
+    if (!allowedData.city || !allowedData.city.trim()) {
+      return res.status(400).json({ error: "City is required" });
+    }
+    if (!allowedData.state || !allowedData.state.trim()) {
+      return res.status(400).json({ error: "State is required" });
+    }
+    if (!allowedData.zipCode || !allowedData.zipCode.trim()) {
+      return res.status(400).json({ error: "ZIP code is required" });
+    }
+    if (!allowedData.replacementCost || Number(allowedData.replacementCost) <= 0) {
+      return res.status(400).json({ error: "Replacement cost is required" });
+    }
+
+    const keyValidation = validateS3Keys(imageFilenames, 'items', { maxKeys: IMAGE_LIMITS.items });
+    if (!keyValidation.valid) {
+      return res.status(400).json({
+        error: keyValidation.error,
+        details: keyValidation.invalidKeys
+      });
+    }
+    allowedData.imageFilenames = imageFilenames;
+
     const item = await Item.create({
       ...allowedData,
       ownerId: req.user.id,
@@ -327,10 +401,17 @@ router.post("/", authenticateToken, requireVerifiedEmail, async (req, res, next)
           itemWithOwner.owner,
           itemWithOwner
         );
-        console.log(`First listing celebration email sent to owner ${req.user.id}`);
+        const reqLogger = logger.withRequestId(req.id);
+        reqLogger.info("First listing celebration email sent", { ownerId: req.user.id });
       } catch (emailError) {
         // Log but don't fail the item creation
-        console.error('Failed to send first listing celebration email:', emailError.message);
+        const reqLogger = logger.withRequestId(req.id);
+        reqLogger.error('Failed to send first listing celebration email', {
+          error: emailError.message,
+          stack: emailError.stack,
+          ownerId: req.user.id,
+          itemId: item.id
+        });
       }
     }
 
@@ -355,7 +436,7 @@ router.post("/", authenticateToken, requireVerifiedEmail, async (req, res, next)
   }
 });
 
-router.put("/:id", authenticateToken, async (req, res, next) => {
+router.put("/:id", authenticateToken, ...validateCoordinatesBody, handleValidationErrors, async (req, res, next) => {
   try {
     const item = await Item.findByPk(req.params.id);
 
@@ -376,6 +457,13 @@ router.put("/:id", authenticateToken, async (req, res, next) => {
         ? allowedData.imageFilenames
         : [];
 
+      // Require at least one image
+      if (imageFilenames.length === 0) {
+        return res.status(400).json({
+          error: "At least one image is required for a listing"
+        });
+      }
+
       const keyValidation = validateS3Keys(imageFilenames, 'items', { maxKeys: IMAGE_LIMITS.items });
       if (!keyValidation.valid) {
         return res.status(400).json({
@@ -386,6 +474,26 @@ router.put("/:id", authenticateToken, async (req, res, next) => {
       allowedData.imageFilenames = imageFilenames;
     }
 
+    // Validate required fields if they are being updated
+    if (allowedData.name !== undefined && (!allowedData.name || !allowedData.name.trim())) {
+      return res.status(400).json({ error: "Item name is required" });
+    }
+    if (allowedData.address1 !== undefined && (!allowedData.address1 || !allowedData.address1.trim())) {
+      return res.status(400).json({ error: "Address is required" });
+    }
+    if (allowedData.city !== undefined && (!allowedData.city || !allowedData.city.trim())) {
+      return res.status(400).json({ error: "City is required" });
+    }
+    if (allowedData.state !== undefined && (!allowedData.state || !allowedData.state.trim())) {
+      return res.status(400).json({ error: "State is required" });
+    }
+    if (allowedData.zipCode !== undefined && (!allowedData.zipCode || !allowedData.zipCode.trim())) {
+      return res.status(400).json({ error: "ZIP code is required" });
+    }
+    if (allowedData.replacementCost !== undefined && (!allowedData.replacementCost || Number(allowedData.replacementCost) <= 0)) {
+      return res.status(400).json({ error: "Replacement cost is required" });
+    }
+
     await item.update(allowedData);
 
     const updatedItem = await Item.findByPk(item.id, {
@@ -526,10 +634,15 @@ router.delete("/admin/:id", authenticateToken, requireAdmin, async (req, res, ne
         item,
         reason.trim()
       );
-      console.log(`Item deletion notification email sent to owner ${item.ownerId}`);
+      logger.info("Item deletion notification email sent", { ownerId: item.ownerId, itemId: item.id });
     } catch (emailError) {
       // Log but don't fail the deletion
-      console.error('Failed to send item deletion notification email:', emailError.message);
+      logger.error('Failed to send item deletion notification email', {
+        error: emailError.message,
+        stack: emailError.stack,
+        ownerId: item.ownerId,
+        itemId: item.id
+      });
     }
 
     const reqLogger = logger.withRequestId(req.id);

backend/routes/messages.js

@@ -1,13 +1,10 @@
 const express = require('express');
-const helmet = require('helmet');
 const { Message, User } = require('../models');
 const { authenticateToken } = require('../middleware/auth');
 const logger = require('../utils/logger');
 const { emitNewMessage, emitMessageRead } = require('../sockets/messageSocket');
 const { Op } = require('sequelize');
 const emailServices = require('../services/email');
-const fs = require('fs');
-const path = require('path');
 const { validateS3Keys } = require('../utils/s3KeyValidator');
 const { IMAGE_LIMITS } = require('../config/imageLimits');
 const router = express.Router();
@@ -297,6 +294,7 @@ router.post('/', authenticateToken, async (req, res, next) => {
       const reqLogger = logger.withRequestId(req.id);
       reqLogger.error("Failed to send message notification email", {
         error: emailError.message,
+        stack: emailError.stack,
         messageId: message.id,
         receiverId: receiverId
       });
@@ -394,52 +392,4 @@ router.get('/unread/count', authenticateToken, async (req, res, next) => {
   }
 });
 
-// Get message image (authorized)
-router.get('/images/:filename',
-  authenticateToken,
-  // Override Helmet's CORP header for cross-origin image loading
-  helmet.crossOriginResourcePolicy({ policy: "cross-origin" }),
-  async (req, res) => {
-  try {
-    // Sanitize filename to prevent path traversal attacks
-    const filename = path.basename(req.params.filename);
-
-    // Verify user is sender or receiver of a message with this image
-    const message = await Message.findOne({
-      where: {
-        imageFilename: filename,
-        [Op.or]: [
-          { senderId: req.user.id },
-          { receiverId: req.user.id }
-        ]
-      }
-    });
-
-    if (!message) {
-      const reqLogger = logger.withRequestId(req.id);
-      reqLogger.warn('Unauthorized image access attempt', {
-        userId: req.user.id,
-        filename
-      });
-      return res.status(403).json({ error: 'Access denied' });
-    }
-
-    // Serve the image
-    const filePath = path.join(__dirname, '../uploads/messages', filename);
-
-    if (!fs.existsSync(filePath)) {
-      return res.status(404).json({ error: 'Image not found' });
-    }
-
-    res.sendFile(filePath);
-  } catch (error) {
-    const reqLogger = logger.withRequestId(req.id);
-    reqLogger.error('Image serve failed', {
-      error: error.message,
-      filename: req.params.filename
-    });
-    res.status(500).json({ error: 'Failed to load image' });
-  }
-});
-
 module.exports = router;

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();
 
@@ -133,7 +135,42 @@ router.post("/account-links", authenticateToken, requireVerifiedEmail, async (re
   }
 });
 
-// Get account status
+// Create account session for embedded onboarding
+router.post("/account-sessions", authenticateToken, requireVerifiedEmail, async (req, res, next) => {
+  let user = null;
+  try {
+    user = await User.findByPk(req.user.id);
+
+    if (!user || !user.stripeConnectedAccountId) {
+      return res.status(400).json({ error: "No connected account found" });
+    }
+
+    const accountSession = await StripeService.createAccountSession(
+      user.stripeConnectedAccountId
+    );
+
+    const reqLogger = logger.withRequestId(req.id);
+    reqLogger.info("Stripe account session created", {
+      userId: req.user.id,
+      stripeConnectedAccountId: user.stripeConnectedAccountId,
+    });
+
+    res.json({
+      clientSecret: accountSession.client_secret,
+    });
+  } catch (error) {
+    const reqLogger = logger.withRequestId(req.id);
+    reqLogger.error("Stripe account session creation failed", {
+      error: error.message,
+      stack: error.stack,
+      userId: req.user.id,
+      stripeConnectedAccountId: user?.stripeConnectedAccountId,
+    });
+    next(error);
+  }
+});
+
+// Get account status with reconciliation
 router.get("/account-status", authenticateToken, async (req, res, next) => {
   let user = null;
   try {
@@ -155,6 +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.lastName,
+            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,

backend/routes/stripeWebhooks.js

@@ -0,0 +1,119 @@
+const express = require("express");
+const StripeWebhookService = require("../services/stripeWebhookService");
+const DisputeService = require("../services/disputeService");
+const logger = require("../utils/logger");
+
+const router = express.Router();
+
+const WEBHOOK_SECRET = process.env.STRIPE_WEBHOOK_SECRET;
+
+/**
+ * POST /stripe/webhooks
+ * Stripe webhook endpoint - receives events from Stripe.
+ * Must use raw body for signature verification.
+ */
+router.post("/", async (req, res) => {
+  const signature = req.headers["stripe-signature"];
+
+  if (!signature) {
+    logger.warn("Webhook request missing stripe-signature header");
+    return res.status(400).json({ error: "Missing signature" });
+  }
+
+  if (!WEBHOOK_SECRET) {
+    logger.error("STRIPE_WEBHOOK_SECRET not configured");
+    return res.status(500).json({ error: "Webhook not configured" });
+  }
+
+  let event;
+
+  try {
+    // Use rawBody stored by bodyParser in server.js
+    event = StripeWebhookService.constructEvent(
+      req.rawBody,
+      signature,
+      WEBHOOK_SECRET
+    );
+  } catch (err) {
+    logger.error("Webhook signature verification failed", {
+      error: err.message,
+    });
+    return res.status(400).json({ error: "Invalid signature" });
+  }
+
+  // Log event receipt for debugging
+  // For Connect account events, event.account contains the connected account ID
+  logger.info("Stripe webhook received", {
+    eventId: event.id,
+    eventType: event.type,
+    connectedAccount: event.account || null,
+  });
+
+  try {
+    switch (event.type) {
+      case "account.updated":
+        await StripeWebhookService.handleAccountUpdated(event.data.object);
+        break;
+
+      case "payout.paid":
+        // Payout to connected account's bank succeeded
+        await StripeWebhookService.handlePayoutPaid(
+          event.data.object,
+          event.account
+        );
+        break;
+
+      case "payout.failed":
+        // Payout to connected account's bank failed
+        await StripeWebhookService.handlePayoutFailed(
+          event.data.object,
+          event.account
+        );
+        break;
+
+      case "payout.canceled":
+        // Payout was canceled before being deposited
+        await StripeWebhookService.handlePayoutCanceled(
+          event.data.object,
+          event.account
+        );
+        break;
+
+      case "account.application.deauthorized":
+        // Owner disconnected their Stripe account from our platform
+        await StripeWebhookService.handleAccountDeauthorized(event.account);
+        break;
+
+      case "charge.dispute.created":
+        // Renter disputed a charge with their bank
+        await DisputeService.handleDisputeCreated(event.data.object);
+        break;
+
+      case "charge.dispute.closed":
+      case "charge.dispute.funds_reinstated":
+      case "charge.dispute.funds_withdrawn":
+        // Dispute was resolved (won, lost, or warning closed)
+        await DisputeService.handleDisputeClosed(event.data.object);
+        break;
+
+      default:
+        logger.info("Unhandled webhook event type", { type: event.type });
+    }
+
+    // Always return 200 to acknowledge receipt
+    res.json({ received: true, eventId: event.id });
+  } catch (error) {
+    logger.error("Error processing webhook", {
+      eventId: event.id,
+      eventType: event.type,
+      error: error.message,
+      stack: error.stack,
+    });
+
+    // Still return 200 to prevent Stripe retries for processing errors
+    // Failed payouts will be handled by retry job
+    res.json({ received: true, eventId: event.id });
+  }
+});
+
+module.exports = router;

backend/routes/twoFactor.js

@@ -0,0 +1,627 @@
+const express = require("express");
+const { User } = require("../models");
+const TwoFactorService = require("../services/TwoFactorService");
+const emailServices = require("../services/email");
+const logger = require("../utils/logger");
+const { authenticateToken } = require("../middleware/auth");
+const { requireStepUpAuth } = require("../middleware/stepUpAuth");
+const { csrfProtection } = require("../middleware/csrf");
+const {
+  sanitizeInput,
+  validateTotpCode,
+  validateEmailOtp,
+  validateRecoveryCode,
+} = require("../middleware/validation");
+const {
+  twoFactorVerificationLimiter,
+  twoFactorSetupLimiter,
+  recoveryCodeLimiter,
+  emailOtpSendLimiter,
+} = require("../middleware/rateLimiter");
+
+const router = express.Router();
+
+// Helper for structured security audit logging
+const auditLog = (req, action, userId, details = {}) => {
+  logger.info({
+    type: 'security_audit',
+    action,
+    userId,
+    ip: req.ip,
+    userAgent: req.get('User-Agent'),
+    ...details,
+  });
+};
+
+// All routes require authentication
+router.use(authenticateToken);
+
+// ============================================
+// SETUP ENDPOINTS
+// ============================================
+
+/**
+ * POST /api/2fa/setup/totp/init
+ * Initialize TOTP setup - generate secret and QR code
+ */
+router.post(
+  "/setup/totp/init",
+  twoFactorSetupLimiter,
+  csrfProtection,
+  async (req, res) => {
+    try {
+      const user = await User.findByPk(req.user.id);
+
+      if (!user) {
+        return res.status(404).json({ error: "User not found" });
+      }
+
+      if (user.twoFactorEnabled) {
+        return res.status(400).json({
+          error: "Multi-factor authentication is already enabled",
+        });
+      }
+
+      // Generate TOTP secret and QR code
+      const { qrCodeDataUrl, encryptedSecret, encryptedSecretIv } =
+        await TwoFactorService.generateTotpSecret(user.email);
+
+      // Store pending secret for verification
+      await user.storePendingTotpSecret(encryptedSecret, encryptedSecretIv);
+
+      auditLog(req, '2fa.setup.initiated', user.id, { method: 'totp' });
+
+      res.json({
+        qrCodeDataUrl,
+        message: "Scan the QR code with your authenticator app",
+      });
+    } catch (error) {
+      logger.error("TOTP setup init error:", error);
+      res.status(500).json({ error: "Failed to initialize TOTP setup" });
+    }
+  }
+);
+
+/**
+ * POST /api/2fa/setup/totp/verify
+ * Verify TOTP code and enable 2FA
+ */
+router.post(
+  "/setup/totp/verify",
+  twoFactorSetupLimiter,
+  csrfProtection,
+  sanitizeInput,
+  validateTotpCode,
+  async (req, res) => {
+    try {
+      const { code } = req.body;
+      const user = await User.findByPk(req.user.id);
+
+      if (!user) {
+        return res.status(404).json({ error: "User not found" });
+      }
+
+      if (user.twoFactorEnabled) {
+        return res.status(400).json({
+          error: "Multi-factor authentication is already enabled",
+        });
+      }
+
+      if (!user.twoFactorSetupPendingSecret) {
+        return res.status(400).json({
+          error: "No pending TOTP setup. Please start the setup process again.",
+        });
+      }
+
+      // Verify the code against the pending secret
+      const isValid = user.verifyPendingTotpCode(code);
+
+      if (!isValid) {
+        return res.status(400).json({
+          error: "Invalid verification code. Please try again.",
+        });
+      }
+
+      // Generate recovery codes
+      const { codes: recoveryCodes } =
+        await TwoFactorService.generateRecoveryCodes();
+
+      // Enable TOTP
+      await user.enableTotp(recoveryCodes);
+
+      // Send confirmation email
+      try {
+        await emailServices.auth.sendTwoFactorEnabledEmail(user);
+      } catch (emailError) {
+        logger.error("Failed to send 2FA enabled email:", emailError);
+        // Don't fail the request if email fails
+      }
+
+      auditLog(req, '2fa.setup.completed', user.id, { method: 'totp' });
+
+      res.json({
+        message: "Multi-factor authentication enabled successfully",
+        recoveryCodes,
+        warning:
+          "Save these recovery codes in a secure location. You will not be able to see them again.",
+      });
+    } catch (error) {
+      logger.error("TOTP setup verify error:", error);
+      res.status(500).json({ error: "Failed to enable multi-factor authentication" });
+    }
+  }
+);
+
+/**
+ * POST /api/2fa/setup/email/init
+ * Initialize email 2FA setup - send verification code
+ */
+router.post(
+  "/setup/email/init",
+  twoFactorSetupLimiter,
+  emailOtpSendLimiter,
+  csrfProtection,
+  async (req, res) => {
+    try {
+      const user = await User.findByPk(req.user.id);
+
+      if (!user) {
+        return res.status(404).json({ error: "User not found" });
+      }
+
+      if (user.twoFactorEnabled) {
+        return res.status(400).json({
+          error: "Multi-factor authentication is already enabled",
+        });
+      }
+
+      // Generate and send email OTP
+      const otpCode = await user.generateEmailOtp();
+
+      try {
+        await emailServices.auth.sendTwoFactorOtpEmail(user, otpCode);
+      } catch (emailError) {
+        logger.error("Failed to send 2FA setup OTP email:", emailError);
+        return res.status(500).json({ error: "Failed to send verification email" });
+      }
+
+      auditLog(req, '2fa.setup.initiated', user.id, { method: 'email' });
+
+      res.json({
+        message: "Verification code sent to your email",
+      });
+    } catch (error) {
+      logger.error("Email 2FA setup init error:", error);
+      res.status(500).json({ error: "Failed to initialize email 2FA setup" });
+    }
+  }
+);
+
+/**
+ * POST /api/2fa/setup/email/verify
+ * Verify email OTP and enable email 2FA
+ */
+router.post(
+  "/setup/email/verify",
+  twoFactorSetupLimiter,
+  csrfProtection,
+  sanitizeInput,
+  validateEmailOtp,
+  async (req, res) => {
+    try {
+      const { code } = req.body;
+      const user = await User.findByPk(req.user.id);
+
+      if (!user) {
+        return res.status(404).json({ error: "User not found" });
+      }
+
+      if (user.twoFactorEnabled) {
+        return res.status(400).json({
+          error: "Multi-factor authentication is already enabled",
+        });
+      }
+
+      if (user.isEmailOtpLocked()) {
+        return res.status(429).json({
+          error: "Too many failed attempts. Please request a new code.",
+        });
+      }
+
+      // Verify the OTP
+      const isValid = user.verifyEmailOtp(code);
+
+      if (!isValid) {
+        await user.incrementEmailOtpAttempts();
+        return res.status(400).json({
+          error: "Invalid or expired verification code",
+        });
+      }
+
+      // Generate recovery codes
+      const { codes: recoveryCodes } =
+        await TwoFactorService.generateRecoveryCodes();
+
+      // Enable email 2FA
+      await user.enableEmailTwoFactor(recoveryCodes);
+      await user.clearEmailOtp();
+
+      // Send confirmation email
+      try {
+        await emailServices.auth.sendTwoFactorEnabledEmail(user);
+      } catch (emailError) {
+        logger.error("Failed to send 2FA enabled email:", emailError);
+      }
+
+      auditLog(req, '2fa.setup.completed', user.id, { method: 'email' });
+
+      res.json({
+        message: "Multi-factor authentication enabled successfully",
+        recoveryCodes,
+        warning:
+          "Save these recovery codes in a secure location. You will not be able to see them again.",
+      });
+    } catch (error) {
+      logger.error("Email 2FA setup verify error:", error);
+      res.status(500).json({ error: "Failed to enable multi-factor authentication" });
+    }
+  }
+);
+
+// ============================================
+// VERIFICATION ENDPOINTS (Step-up auth)
+// ============================================
+
+/**
+ * POST /api/2fa/verify/totp
+ * Verify TOTP code for step-up authentication
+ */
+router.post(
+  "/verify/totp",
+  twoFactorVerificationLimiter,
+  csrfProtection,
+  sanitizeInput,
+  validateTotpCode,
+  async (req, res) => {
+    try {
+      const { code } = req.body;
+      const user = await User.findByPk(req.user.id);
+
+      if (!user) {
+        return res.status(404).json({ error: "User not found" });
+      }
+
+      if (!user.twoFactorEnabled || user.twoFactorMethod !== "totp") {
+        logger.warn(`2FA verify failed for user ${user.id}: TOTP not enabled or wrong method`);
+        return res.status(400).json({
+          error: "Verification failed",
+        });
+      }
+
+      const isValid = user.verifyTotpCode(code);
+
+      if (!isValid) {
+        auditLog(req, '2fa.verify.failed', user.id, { method: 'totp' });
+        return res.status(400).json({
+          error: "Invalid verification code",
+        });
+      }
+
+      // Mark code as used for replay protection
+      await user.markTotpCodeUsed(code);
+
+      // Update step-up session
+      await user.updateStepUpSession();
+
+      auditLog(req, '2fa.verify.success', user.id, { method: 'totp' });
+
+      res.json({
+        message: "Verification successful",
+        verified: true,
+      });
+    } catch (error) {
+      logger.error("TOTP verification error:", error);
+      res.status(500).json({ error: "Verification failed" });
+    }
+  }
+);
+
+/**
+ * POST /api/2fa/verify/email/send
+ * Send email OTP for step-up authentication
+ */
+router.post(
+  "/verify/email/send",
+  emailOtpSendLimiter,
+  csrfProtection,
+  async (req, res) => {
+    try {
+      const user = await User.findByPk(req.user.id);
+
+      if (!user) {
+        return res.status(404).json({ error: "User not found" });
+      }
+
+      if (!user.twoFactorEnabled) {
+        logger.warn(`2FA verify failed for user ${user.id}: 2FA not enabled`);
+        return res.status(400).json({
+          error: "Verification failed",
+        });
+      }
+
+      // Generate and send email OTP
+      const otpCode = await user.generateEmailOtp();
+
+      try {
+        await emailServices.auth.sendTwoFactorOtpEmail(user, otpCode);
+      } catch (emailError) {
+        logger.error("Failed to send 2FA OTP email:", emailError);
+        return res.status(500).json({ error: "Failed to send verification email" });
+      }
+
+      auditLog(req, '2fa.otp.sent', user.id, { method: 'email' });
+
+      res.json({
+        message: "Verification code sent to your email",
+      });
+    } catch (error) {
+      logger.error("Email OTP send error:", error);
+      res.status(500).json({ error: "Failed to send verification code" });
+    }
+  }
+);
+
+/**
+ * POST /api/2fa/verify/email
+ * Verify email OTP for step-up authentication
+ */
+router.post(
+  "/verify/email",
+  twoFactorVerificationLimiter,
+  csrfProtection,
+  sanitizeInput,
+  validateEmailOtp,
+  async (req, res) => {
+    try {
+      const { code } = req.body;
+      const user = await User.findByPk(req.user.id);
+
+      if (!user) {
+        return res.status(404).json({ error: "User not found" });
+      }
+
+      if (!user.twoFactorEnabled) {
+        logger.warn(`2FA verify failed for user ${user.id}: 2FA not enabled`);
+        return res.status(400).json({
+          error: "Verification failed",
+        });
+      }
+
+      if (user.isEmailOtpLocked()) {
+        return res.status(429).json({
+          error: "Too many failed attempts. Please request a new code.",
+        });
+      }
+
+      const isValid = user.verifyEmailOtp(code);
+
+      if (!isValid) {
+        await user.incrementEmailOtpAttempts();
+        auditLog(req, '2fa.verify.failed', user.id, { method: 'email' });
+        return res.status(400).json({
+          error: "Invalid or expired verification code",
+        });
+      }
+
+      // Update step-up session and clear OTP
+      await user.updateStepUpSession();
+      await user.clearEmailOtp();
+
+      auditLog(req, '2fa.verify.success', user.id, { method: 'email' });
+
+      res.json({
+        message: "Verification successful",
+        verified: true,
+      });
+    } catch (error) {
+      logger.error("Email OTP verification error:", error);
+      res.status(500).json({ error: "Verification failed" });
+    }
+  }
+);
+
+/**
+ * POST /api/2fa/verify/recovery
+ * Use recovery code for step-up authentication
+ */
+router.post(
+  "/verify/recovery",
+  recoveryCodeLimiter,
+  csrfProtection,
+  sanitizeInput,
+  validateRecoveryCode,
+  async (req, res) => {
+    try {
+      const { code } = req.body;
+      const user = await User.findByPk(req.user.id);
+
+      if (!user) {
+        return res.status(404).json({ error: "User not found" });
+      }
+
+      if (!user.twoFactorEnabled) {
+        logger.warn(`2FA verify failed for user ${user.id}: 2FA not enabled`);
+        return res.status(400).json({
+          error: "Verification failed",
+        });
+      }
+
+      const { valid, remainingCodes } = await user.useRecoveryCode(code);
+
+      if (!valid) {
+        auditLog(req, '2fa.verify.failed', user.id, { method: 'recovery' });
+        return res.status(400).json({
+          error: "Invalid recovery code",
+        });
+      }
+
+      // Send alert email about recovery code usage
+      try {
+        await emailServices.auth.sendRecoveryCodeUsedEmail(user, remainingCodes);
+      } catch (emailError) {
+        logger.error("Failed to send recovery code used email:", emailError);
+      }
+
+      auditLog(req, '2fa.recovery.used', user.id, { lowCodes: remainingCodes <= 2 });
+
+      res.json({
+        message: "Verification successful",
+        verified: true,
+        remainingCodes,
+        warning:
+          remainingCodes <= 2
+            ? "You are running low on recovery codes. Please generate new ones."
+            : null,
+      });
+    } catch (error) {
+      logger.error("Recovery code verification error:", error);
+      res.status(500).json({ error: "Verification failed" });
+    }
+  }
+);
+
+// ============================================
+// MANAGEMENT ENDPOINTS
+// ============================================
+
+/**
+ * GET /api/2fa/status
+ * Get current 2FA status for the user
+ */
+router.get("/status", async (req, res) => {
+  try {
+    const user = await User.findByPk(req.user.id);
+
+    if (!user) {
+      return res.status(404).json({ error: "User not found" });
+    }
+
+    res.json({
+      enabled: user.twoFactorEnabled,
+      method: user.twoFactorMethod,
+      hasRecoveryCodes: user.getRemainingRecoveryCodes() > 0,
+      lowRecoveryCodes: user.getRemainingRecoveryCodes() <= 2,
+    });
+  } catch (error) {
+    logger.error("2FA status error:", error);
+    res.status(500).json({ error: "Failed to get 2FA status" });
+  }
+});
+
+/**
+ * POST /api/2fa/disable
+ * Disable 2FA (requires step-up authentication)
+ */
+router.post(
+  "/disable",
+  csrfProtection,
+  requireStepUpAuth("2fa_disable"),
+  async (req, res) => {
+    try {
+      const user = await User.findByPk(req.user.id);
+
+      if (!user) {
+        return res.status(404).json({ error: "User not found" });
+      }
+
+      if (!user.twoFactorEnabled) {
+        logger.warn(`2FA disable failed for user ${user.id}: 2FA not enabled`);
+        return res.status(400).json({
+          error: "Operation failed",
+        });
+      }
+
+      await user.disableTwoFactor();
+
+      // Send notification email
+      try {
+        await emailServices.auth.sendTwoFactorDisabledEmail(user);
+      } catch (emailError) {
+        logger.error("Failed to send 2FA disabled email:", emailError);
+      }
+
+      auditLog(req, '2fa.disabled', user.id);
+
+      res.json({
+        message: "Multi-factor authentication has been disabled",
+      });
+    } catch (error) {
+      logger.error("2FA disable error:", error);
+      res.status(500).json({ error: "Failed to disable multi-factor authentication" });
+    }
+  }
+);
+
+/**
+ * POST /api/2fa/recovery/regenerate
+ * Generate new recovery codes (requires step-up authentication)
+ */
+router.post(
+  "/recovery/regenerate",
+  csrfProtection,
+  requireStepUpAuth("recovery_regenerate"),
+  async (req, res) => {
+    try {
+      const user = await User.findByPk(req.user.id);
+
+      if (!user) {
+        return res.status(404).json({ error: "User not found" });
+      }
+
+      if (!user.twoFactorEnabled) {
+        logger.warn(`Recovery regenerate failed for user ${user.id}: 2FA not enabled`);
+        return res.status(400).json({
+          error: "Operation failed",
+        });
+      }
+
+      const recoveryCodes = await user.regenerateRecoveryCodes();
+
+      auditLog(req, '2fa.recovery.regenerated', user.id);
+
+      res.json({
+        recoveryCodes,
+        warning:
+          "Save these recovery codes in a secure location. Your previous codes are now invalid.",
+      });
+    } catch (error) {
+      logger.error("Recovery code regeneration error:", error);
+      res.status(500).json({ error: "Failed to regenerate recovery codes" });
+    }
+  }
+);
+
+/**
+ * GET /api/2fa/recovery/remaining
+ * Get recovery codes status (not exact count for security)
+ */
+router.get("/recovery/remaining", async (req, res) => {
+  try {
+    const user = await User.findByPk(req.user.id);
+
+    if (!user) {
+      return res.status(404).json({ error: "User not found" });
+    }
+
+    const remaining = user.getRemainingRecoveryCodes();
+    res.json({
+      hasRecoveryCodes: remaining > 0,
+      lowRecoveryCodes: remaining <= 2,
+    });
+  } catch (error) {
+    logger.error("Recovery codes remaining error:", error);
+    res.status(500).json({ error: "Failed to get recovery codes status" });
+  }
+});
+
+module.exports = router;

backend/routes/upload.js

@@ -4,6 +4,7 @@ const { authenticateToken } = require("../middleware/auth");
 const { uploadPresignLimiter } = require("../middleware/rateLimiter");
 const s3Service = require("../services/s3Service");
 const S3OwnershipService = require("../services/s3OwnershipService");
+const { v4: uuidv4 } = require("uuid");
 const logger = require("../utils/logger");
 const MAX_BATCH_SIZE = 20;
 
@@ -63,6 +64,7 @@ router.post(
 /**
  * POST /api/upload/presign-batch
  * Get presigned URLs for uploading multiple files to S3
+ * All files in a batch share the same UUID base for coordinated variant uploads
  */
 router.post(
   "/presign-batch",
@@ -96,13 +98,17 @@ router.post(
         }
       }
 
+      // Generate one shared UUID for all files in this batch
+      const sharedBaseKey = uuidv4();
+
       const results = await Promise.all(
         files.map((f) =>
           s3Service.getPresignedUploadUrl(
             uploadType,
             f.contentType,
             f.fileName,
-            f.fileSize
+            f.fileSize,
+            sharedBaseKey
           )
         )
       );
@@ -111,9 +117,10 @@ router.post(
         userId: req.user.id,
         uploadType,
         count: results.length,
+        baseKey: sharedBaseKey,
       });
 
-      res.json({ uploads: results });
+      res.json({ uploads: results, baseKey: sharedBaseKey });
     } catch (error) {
       if (error.message.includes("Invalid")) {
         return res.status(400).json({ error: error.message });

backend/routes/users.js

@@ -1,8 +1,12 @@
 const express = require('express');
 const { User, UserAddress } = require('../models'); // Import from models/index.js to get models with associations
-const { authenticateToken } = require('../middleware/auth');
+const { authenticateToken, optionalAuth, requireAdmin } = require('../middleware/auth');
+const { validateCoordinatesBody, validatePasswordChange, handleValidationErrors, sanitizeInput } = require('../middleware/validation');
+const { requireStepUpAuth } = require('../middleware/stepUpAuth');
+const { csrfProtection } = require('../middleware/csrf');
 const logger = require('../utils/logger');
 const userService = require('../services/UserService');
+const emailServices = require('../services/email');
 const { validateS3Keys } = require('../utils/s3KeyValidator');
 const { IMAGE_LIMITS } = require('../config/imageLimits');
 const router = express.Router();
@@ -109,7 +113,7 @@ router.get('/addresses', authenticateToken, async (req, res, next) => {
   }
 });
 
-router.post('/addresses', authenticateToken, async (req, res, next) => {
+router.post('/addresses', authenticateToken, ...validateCoordinatesBody, handleValidationErrors, async (req, res, next) => {
   try {
     // Extract only allowed fields (prevents mass assignment)
     const allowedData = extractAllowedAddressFields(req.body);
@@ -128,7 +132,7 @@ router.post('/addresses', authenticateToken, async (req, res, next) => {
   }
 });
 
-router.put('/addresses/:id', authenticateToken, async (req, res, next) => {
+router.put('/addresses/:id', authenticateToken, ...validateCoordinatesBody, handleValidationErrors, async (req, res, next) => {
   try {
     // Extract only allowed fields (prevents mass assignment)
     const allowedData = extractAllowedAddressFields(req.body);
@@ -210,10 +214,20 @@ router.put('/availability', authenticateToken, async (req, res, next) => {
   }
 });
 
-router.get('/:id', async (req, res, next) => {
+router.get('/:id', optionalAuth, async (req, res, next) => {
   try {
+    const isAdmin = req.user?.role === 'admin';
+
+    // Base attributes to exclude
+    const excludedAttributes = ['password', 'email', 'phone', 'address', 'verificationToken', 'passwordResetToken'];
+
+    // If not admin, also exclude ban-related fields
+    if (!isAdmin) {
+      excludedAttributes.push('isBanned', 'bannedAt', 'bannedBy', 'banReason');
+    }
+
     const user = await User.findByPk(req.params.id, {
-      attributes: { exclude: ['password', 'email', 'phone', 'address'] }
+      attributes: { exclude: excludedAttributes }
     });
 
     if (!user) {
@@ -222,7 +236,8 @@ router.get('/:id', async (req, res, next) => {
 
     const reqLogger = logger.withRequestId(req.id);
     reqLogger.info("Public user profile fetched", {
-      requestedUserId: req.params.id
+      requestedUserId: req.params.id,
+      viewerIsAdmin: isAdmin
     });
 
     res.json(user);
@@ -258,7 +273,192 @@ router.put('/profile', authenticateToken, async (req, res, next) => {
 
     res.json(updatedUser);
   } catch (error) {
-    console.error('Profile update error:', error);
+    logger.error('Profile update error', { error });
+    next(error);
+  }
+});
+
+// Admin: Ban a user
+router.post('/admin/:id/ban', authenticateToken, requireAdmin, async (req, res, next) => {
+  try {
+    const { reason } = req.body;
+    const targetUserId = req.params.id;
+
+    // Validate reason is provided
+    if (!reason || !reason.trim()) {
+      return res.status(400).json({ error: "Ban reason is required" });
+    }
+
+    // Prevent banning yourself
+    if (targetUserId === req.user.id) {
+      return res.status(400).json({ error: "You cannot ban yourself" });
+    }
+
+    const targetUser = await User.findByPk(targetUserId);
+
+    if (!targetUser) {
+      return res.status(404).json({ error: "User not found" });
+    }
+
+    // Prevent banning other admins
+    if (targetUser.role === 'admin') {
+      return res.status(403).json({ error: "Cannot ban admin users" });
+    }
+
+    // Check if already banned
+    if (targetUser.isBanned) {
+      return res.status(400).json({ error: "User is already banned" });
+    }
+
+    // Ban the user (this also invalidates sessions via jwtVersion increment)
+    await targetUser.banUser(req.user.id, reason.trim());
+
+    // Send ban notification email
+    try {
+      const emailServices = require("../services/email");
+      await emailServices.userEngagement.sendUserBannedNotification(
+        targetUser,
+        req.user,
+        reason.trim()
+      );
+      const reqLogger = logger.withRequestId(req.id);
+      reqLogger.info("User ban notification email sent", {
+        bannedUserId: targetUserId,
+        adminId: req.user.id
+      });
+    } catch (emailError) {
+      // Log but don't fail the ban operation
+      const reqLogger = logger.withRequestId(req.id);
+      reqLogger.error('Failed to send user ban notification email', {
+        error: emailError.message,
+        stack: emailError.stack,
+        bannedUserId: targetUserId,
+        adminId: req.user.id
+      });
+    }
+
+    const reqLogger = logger.withRequestId(req.id);
+    reqLogger.info("User banned by admin", {
+      targetUserId,
+      adminId: req.user.id,
+      reason: reason.trim()
+    });
+
+    // Return updated user data (excluding sensitive fields)
+    const updatedUser = await User.findByPk(targetUserId, {
+      attributes: { exclude: ['password', 'verificationToken', 'passwordResetToken'] }
+    });
+
+    res.json({
+      message: "User has been banned successfully",
+      user: updatedUser
+    });
+  } catch (error) {
+    const reqLogger = logger.withRequestId(req.id);
+    reqLogger.error("Admin ban user failed", {
+      error: error.message,
+      stack: error.stack,
+      targetUserId: req.params.id,
+      adminId: req.user.id
+    });
+    next(error);
+  }
+});
+
+// Change password (requires step-up auth if 2FA is enabled)
+router.put('/password', authenticateToken, csrfProtection, requireStepUpAuth('password_change'), sanitizeInput, validatePasswordChange, async (req, res, next) => {
+  try {
+    const { currentPassword, newPassword } = req.body;
+    const user = await User.findByPk(req.user.id);
+
+    if (!user) {
+      return res.status(404).json({ error: 'User not found' });
+    }
+
+    // Google OAuth users can't change password
+    if (user.authProvider === 'google' && !user.password) {
+      return res.status(400).json({
+        error: 'Cannot change password for accounts linked with Google'
+      });
+    }
+
+    // Verify current password
+    const isValid = await user.comparePassword(currentPassword);
+    if (!isValid) {
+      return res.status(400).json({ error: 'Current password is incorrect' });
+    }
+
+    // Update password (this increments jwtVersion to invalidate other sessions)
+    await user.resetPassword(newPassword);
+
+    // Send password changed notification
+    try {
+      await emailServices.auth.sendPasswordChangedEmail(user);
+    } catch (emailError) {
+      const reqLogger = logger.withRequestId(req.id);
+      reqLogger.error('Failed to send password changed email', {
+        error: emailError.message,
+        userId: req.user.id
+      });
+    }
+
+    const reqLogger = logger.withRequestId(req.id);
+    reqLogger.info('Password changed successfully', { userId: req.user.id });
+
+    res.json({ message: 'Password changed successfully' });
+  } catch (error) {
+    const reqLogger = logger.withRequestId(req.id);
+    reqLogger.error('Password change failed', {
+      error: error.message,
+      stack: error.stack,
+      userId: req.user.id
+    });
+    next(error);
+  }
+});
+
+// Admin: Unban a user
+router.post('/admin/:id/unban', authenticateToken, requireAdmin, async (req, res, next) => {
+  try {
+    const targetUserId = req.params.id;
+
+    const targetUser = await User.findByPk(targetUserId);
+
+    if (!targetUser) {
+      return res.status(404).json({ error: "User not found" });
+    }
+
+    // Check if user is actually banned
+    if (!targetUser.isBanned) {
+      return res.status(400).json({ error: "User is not banned" });
+    }
+
+    // Unban the user
+    await targetUser.unbanUser();
+
+    const reqLogger = logger.withRequestId(req.id);
+    reqLogger.info("User unbanned by admin", {
+      targetUserId,
+      adminId: req.user.id
+    });
+
+    // Return updated user data (excluding sensitive fields)
+    const updatedUser = await User.findByPk(targetUserId, {
+      attributes: { exclude: ['password', 'verificationToken', 'passwordResetToken'] }
+    });
+
+    res.json({
+      message: "User has been unbanned successfully",
+      user: updatedUser
+    });
+  } catch (error) {
+    const reqLogger = logger.withRequestId(req.id);
+    reqLogger.error("Admin unban user failed", {
+      error: error.message,
+      stack: error.stack,
+      targetUserId: req.params.id,
+      adminId: req.user.id
+    });
     next(error);
   }
 });

backend/scripts/manageAlphaInvitations.js

@@ -1,5 +1,5 @@
 // Load environment config
-const env = process.env.NODE_ENV || "dev";
+const env = process.env.NODE_ENV;
 const envFile = `.env.${env}`;
 require("dotenv").config({ path: envFile });
 
@@ -101,11 +101,11 @@ async function resendInvitation(emailOrCode) {
     // Try to find by code first (if it looks like a code), otherwise by email
     if (input.toUpperCase().startsWith("ALPHA-")) {
       invitation = await AlphaInvitation.findOne({
-        where: { code: input.toUpperCase() }
+        where: { code: input.toUpperCase() },
       });
     } else {
       invitation = await AlphaInvitation.findOne({
-        where: { email: normalizeEmail(input) }
+        where: { email: normalizeEmail(input) },
       });
     }
 
@@ -131,7 +131,10 @@ async function resendInvitation(emailOrCode) {
 
     // Resend the email
     try {
-      await emailServices.alphaInvitation.sendAlphaInvitation(invitation.email, invitation.code);
+      await emailServices.alphaInvitation.sendAlphaInvitation(
+        invitation.email,
+        invitation.code,
+      );
 
       console.log(`\n✅ Alpha invitation resent successfully!`);
       console.log(`   Email: ${invitation.email}`);
@@ -178,7 +181,7 @@ async function listInvitations(filter = "all") {
     });
 
     console.log(
-      `\n📋 Alpha Invitations (${invitations.length} total, filter: ${filter})\n`
+      `\n📋 Alpha Invitations (${invitations.length} total, filter: ${filter})\n`,
     );
     console.log("─".repeat(100));
     console.log(
@@ -186,7 +189,7 @@ async function listInvitations(filter = "all") {
         "EMAIL".padEnd(30) +
         "STATUS".padEnd(10) +
         "USED BY".padEnd(25) +
-        "CREATED"
+        "CREATED",
     );
     console.log("─".repeat(100));
 
@@ -204,7 +207,7 @@ async function listInvitations(filter = "all") {
             inv.email.padEnd(30) +
             inv.status.padEnd(10) +
             usedBy.padEnd(25) +
-            created
+            created,
         );
       });
     }
@@ -221,7 +224,7 @@ async function listInvitations(filter = "all") {
     };
 
     console.log(
-      `\nSummary: ${stats.pending} pending | ${stats.active} active | ${stats.revoked} revoked\n`
+      `\nSummary: ${stats.pending} pending | ${stats.active} active | ${stats.revoked} revoked\n`,
     );
 
     return invitations;
@@ -274,7 +277,9 @@ async function restoreInvitation(code) {
     }
 
     if (invitation.status !== "revoked") {
-      console.log(`\n⚠️  Invitation is not revoked (current status: ${invitation.status})`);
+      console.log(
+        `\n⚠️  Invitation is not revoked (current status: ${invitation.status})`,
+      );
       console.log(`   Code: ${code}`);
       console.log(`   Email: ${invitation.email}`);
       return invitation;
@@ -288,7 +293,9 @@ async function restoreInvitation(code) {
     console.log(`\n✅ Invitation restored successfully!`);
     console.log(`   Code: ${code}`);
     console.log(`   Email: ${invitation.email}`);
-    console.log(`   Status: ${newStatus} (${invitation.usedBy ? 'was previously used' : 'never used'})`);
+    console.log(
+      `   Status: ${newStatus} (${invitation.usedBy ? "was previously used" : "never used"})`,
+    );
 
     return invitation;
   } catch (error) {
@@ -313,7 +320,7 @@ async function bulkImport(csvPath) {
     const dataLines = hasHeader ? lines.slice(1) : lines;
 
     console.log(
-      `\n📥 Importing ${dataLines.length} invitations from ${csvPath}...\n`
+      `\n📥 Importing ${dataLines.length} invitations from ${csvPath}...\n`,
     );
 
     let successCount = 0;
@@ -391,7 +398,7 @@ CSV Format:
       if (!email) {
         console.log("\n❌ Error: Email is required");
         console.log(
-          "Usage: node scripts/manageAlphaInvitations.js add <email> [notes]\n"
+          "Usage: node scripts/manageAlphaInvitations.js add <email> [notes]\n",
         );
         process.exit(1);
       }
@@ -406,7 +413,7 @@ CSV Format:
       if (!code) {
         console.log("\n❌ Error: Code is required");
         console.log(
-          "Usage: node scripts/manageAlphaInvitations.js revoke <code>\n"
+          "Usage: node scripts/manageAlphaInvitations.js revoke <code>\n",
         );
         process.exit(1);
       }
@@ -418,7 +425,7 @@ CSV Format:
       if (!emailOrCode) {
         console.log("\n❌ Error: Email or code is required");
         console.log(
-          "Usage: node scripts/manageAlphaInvitations.js resend <email|code>\n"
+          "Usage: node scripts/manageAlphaInvitations.js resend <email|code>\n",
         );
         process.exit(1);
       }
@@ -430,7 +437,7 @@ CSV Format:
       if (!code) {
         console.log("\n❌ Error: Code is required");
         console.log(
-          "Usage: node scripts/manageAlphaInvitations.js restore <code>\n"
+          "Usage: node scripts/manageAlphaInvitations.js restore <code>\n",
         );
         process.exit(1);
       }
@@ -442,7 +449,7 @@ CSV Format:
       if (!csvPath) {
         console.log("\n❌ Error: CSV path is required");
         console.log(
-          "Usage: node scripts/manageAlphaInvitations.js bulk <csvPath>\n"
+          "Usage: node scripts/manageAlphaInvitations.js bulk <csvPath>\n",
         );
         process.exit(1);
       }
@@ -451,7 +458,7 @@ CSV Format:
     } else {
       console.log(`\n❌ Unknown command: ${command}`);
       console.log(
-        "Run 'node scripts/manageAlphaInvitations.js help' for usage information\n"
+        "Run 'node scripts/manageAlphaInvitations.js help' for usage information\n",
       );
       process.exit(1);
     }

backend/server.js

@@ -1,5 +1,5 @@
 // Load environment-specific config
-const env = process.env.NODE_ENV || "dev";
+const env = process.env.NODE_ENV;
 const envFile = `.env.${env}`;
 
 require("dotenv").config({
@@ -25,15 +25,14 @@ const rentalRoutes = require("./routes/rentals");
 const messageRoutes = require("./routes/messages");
 const forumRoutes = require("./routes/forum");
 const stripeRoutes = require("./routes/stripe");
+const stripeWebhookRoutes = require("./routes/stripeWebhooks");
 const mapsRoutes = require("./routes/maps");
 const conditionCheckRoutes = require("./routes/conditionChecks");
 const feedbackRoutes = require("./routes/feedback");
 const uploadRoutes = require("./routes/upload");
 const healthRoutes = require("./routes/health");
+const twoFactorRoutes = require("./routes/twoFactor");
 
-const PayoutProcessor = require("./jobs/payoutProcessor");
-const RentalStatusJob = require("./jobs/rentalStatusJob");
-const ConditionCheckReminderJob = require("./jobs/conditionCheckReminder");
 const emailServices = require("./services/email");
 const s3Service = require("./services/s3Service");
 
@@ -47,7 +46,7 @@ const server = http.createServer(app);
 // Initialize Socket.io with CORS
 const io = new Server(server, {
   cors: {
-    origin: process.env.FRONTEND_URL || "http://localhost:3000",
+    origin: process.env.FRONTEND_URL,
     credentials: true,
     methods: ["GET", "POST"],
   },
@@ -69,6 +68,7 @@ const {
   addRequestId,
   sanitizeError,
 } = require("./middleware/security");
+const { sanitizeInput } = require("./middleware/validation");
 const { generalLimiter } = require("./middleware/rateLimiter");
 const errorLogger = require("./middleware/errorLogger");
 const apiLogger = require("./middleware/apiLogger");
@@ -93,7 +93,7 @@ app.use(
         frameSrc: ["'self'", "https://accounts.google.com"],
       },
     },
-  })
+  }),
 );
 
 // Cookie parser for CSRF
@@ -108,11 +108,11 @@ app.use("/api/", apiLogger);
 // CORS with security settings (must come BEFORE rate limiter to ensure headers on all responses)
 app.use(
   cors({
-    origin: process.env.FRONTEND_URL || "http://localhost:3000",
+    origin: process.env.FRONTEND_URL,
     credentials: true,
     optionsSuccessStatus: 200,
     exposedHeaders: ["X-CSRF-Token"],
-  })
+  }),
 );
 
 // General rate limiting for all routes
@@ -126,26 +126,25 @@ app.use(
       // Store raw body for webhook verification
       req.rawBody = buf;
     },
-  })
+  }),
 );
 app.use(
   bodyParser.urlencoded({
     extended: true,
     limit: "1mb",
     parameterLimit: 100, // Limit number of parameters
-  })
+  }),
 );
 
-// Serve static files from uploads directory with CORS headers
-app.use(
-  "/uploads",
-  helmet.crossOriginResourcePolicy({ policy: "cross-origin" }),
-  express.static(path.join(__dirname, "uploads"))
-);
+// Apply input sanitization to all API routes (XSS prevention)
+app.use("/api/", sanitizeInput);
 
 // Health check endpoints (no auth, no rate limiting)
 app.use("/health", healthRoutes);
 
+// Stripe webhooks (no auth, uses signature verification instead)
+app.use("/api/stripe/webhooks", stripeWebhookRoutes);
+
 // Root endpoint
 app.get("/", (req, res) => {
   res.json({ message: "Village Share API is running!" });
@@ -154,6 +153,7 @@ app.get("/", (req, res) => {
 // Public routes (no alpha access required)
 app.use("/api/alpha", alphaRoutes);
 app.use("/api/auth", authRoutes); // Auth has its own alpha checks in registration
+app.use("/api/2fa", twoFactorRoutes); // 2FA routes require authentication (handled in router)
 
 // Protected routes (require alpha access)
 app.use("/api/users", requireAlphaAccess, userRoutes);
@@ -171,7 +171,7 @@ app.use("/api/upload", requireAlphaAccess, uploadRoutes);
 app.use(errorLogger);
 app.use(sanitizeError);
 
-const PORT = process.env.PORT || 5000;
+const PORT = process.env.PORT;
 
 const { checkPendingMigrations } = require("./utils/checkMigrations");
 
@@ -185,7 +185,7 @@ sequelize
     if (pendingMigrations.length > 0) {
       logger.error(
         `Found ${pendingMigrations.length} pending migration(s). Please run 'npm run db:migrate'`,
-        { pendingMigrations }
+        { pendingMigrations },
       );
       process.exit(1);
     }
@@ -203,12 +203,12 @@ sequelize
       // Fail fast - don't start server if email templates can't load
       if (env === "prod" || env === "production") {
         logger.error(
-          "Cannot start server without email services in production"
+          "Cannot start server without email services in production",
         );
         process.exit(1);
       } else {
         logger.warn(
-          "Email services failed to initialize - continuing in dev mode"
+          "Email services failed to initialize - continuing in dev mode",
         );
       }
     }
@@ -226,19 +226,6 @@ sequelize
       process.exit(1);
     }
 
-    // Start the payout processor
-    const payoutJobs = PayoutProcessor.startScheduledPayouts();
-    logger.info("Payout processor started");
-
-    // Start the rental status job
-    const rentalStatusJobs = RentalStatusJob.startScheduledStatusUpdates();
-    logger.info("Rental status job started");
-
-    // Start the condition check reminder job
-    const conditionCheckJobs =
-      ConditionCheckReminderJob.startScheduledReminders();
-    logger.info("Condition check reminder job started");
-
     server.listen(PORT, () => {
       logger.info(`Server is running on port ${PORT}`, {
         port: PORT,

backend/services/TwoFactorService.js

@@ -0,0 +1,305 @@
+const crypto = require("crypto");
+const { authenticator } = require("otplib");
+const QRCode = require("qrcode");
+const bcrypt = require("bcryptjs");
+const logger = require("../utils/logger");
+
+// Configuration
+const TOTP_ISSUER = process.env.TOTP_ISSUER;
+const EMAIL_OTP_EXPIRY_MINUTES = parseInt(
+  process.env.TWO_FACTOR_EMAIL_OTP_EXPIRY_MINUTES,
+  10,
+);
+const STEP_UP_VALIDITY_MINUTES = parseInt(
+  process.env.TWO_FACTOR_STEP_UP_VALIDITY_MINUTES,
+  10,
+);
+const MAX_EMAIL_OTP_ATTEMPTS = 3;
+const RECOVERY_CODE_COUNT = 10;
+const BCRYPT_ROUNDS = 12;
+
+// Characters for recovery codes (excludes confusing chars: 0, O, 1, I, L)
+const RECOVERY_CODE_CHARS = "ABCDEFGHJKMNPQRSTUVWXYZ23456789";
+
+class TwoFactorService {
+  /**
+   * Generate a new TOTP secret and QR code for setup
+   * @param {string} email - User's email address
+   * @returns {Promise<{qrCodeDataUrl: string, encryptedSecret: string, encryptedSecretIv: string}>}
+   */
+  static async generateTotpSecret(email) {
+    const secret = authenticator.generateSecret();
+    const otpAuthUrl = authenticator.keyuri(email, TOTP_ISSUER, secret);
+
+    // Generate QR code as data URL
+    const qrCodeDataUrl = await QRCode.toDataURL(otpAuthUrl);
+
+    // Encrypt the secret for storage
+    const { encrypted, iv } = this._encryptSecret(secret);
+
+    return {
+      qrCodeDataUrl,
+      encryptedSecret: encrypted,
+      encryptedSecretIv: iv,
+    };
+  }
+
+  /**
+   * Verify a TOTP code against a user's secret
+   * @param {string} encryptedSecret - Encrypted TOTP secret
+   * @param {string} iv - Initialization vector for decryption
+   * @param {string} code - 6-digit TOTP code to verify
+   * @returns {boolean}
+   */
+  static verifyTotpCode(encryptedSecret, iv, code) {
+    try {
+      // Validate code format
+      if (!/^\d{6}$/.test(code)) {
+        return false;
+      }
+
+      // Decrypt the secret
+      const secret = this._decryptSecret(encryptedSecret, iv);
+
+      // Verify with window 0 (only current 30-second period) to prevent replay attacks
+      return authenticator.verify({ token: code, secret, window: 0 });
+    } catch (error) {
+      logger.error("TOTP verification error:", error);
+      return false;
+    }
+  }
+
+  /**
+   * Generate a 6-digit email OTP code
+   * @returns {{code: string, hashedCode: string, expiry: Date}}
+   */
+  static generateEmailOtp() {
+    // Generate 6-digit numeric code
+    const code = crypto.randomInt(100000, 999999).toString();
+
+    // Hash the code for storage (SHA-256)
+    const hashedCode = crypto.createHash("sha256").update(code).digest("hex");
+
+    // Calculate expiry
+    const expiry = new Date(Date.now() + EMAIL_OTP_EXPIRY_MINUTES * 60 * 1000);
+
+    return { code, hashedCode, expiry };
+  }
+
+  /**
+   * Verify an email OTP code using timing-safe comparison
+   * @param {string} inputCode - Code entered by user
+   * @param {string} storedHash - Hashed code stored in database
+   * @param {Date} expiry - Expiry timestamp
+   * @returns {boolean}
+   */
+  static verifyEmailOtp(inputCode, storedHash, expiry) {
+    try {
+      // Validate code format
+      if (!/^\d{6}$/.test(inputCode)) {
+        return false;
+      }
+
+      // Check expiry
+      if (!expiry || new Date() > new Date(expiry)) {
+        return false;
+      }
+
+      // Hash the input code
+      const inputHash = crypto
+        .createHash("sha256")
+        .update(inputCode)
+        .digest("hex");
+
+      // Timing-safe comparison
+      const inputBuffer = Buffer.from(inputHash, "hex");
+      const storedBuffer = Buffer.from(storedHash, "hex");
+
+      if (inputBuffer.length !== storedBuffer.length) {
+        return false;
+      }
+
+      return crypto.timingSafeEqual(inputBuffer, storedBuffer);
+    } catch (error) {
+      logger.error("Email OTP verification error:", error);
+      return false;
+    }
+  }
+
+  /**
+   * Generate recovery codes (10 codes in XXXX-XXXX format)
+   * @returns {Promise<{codes: string[], hashedCodes: string[]}>}
+   */
+  static async generateRecoveryCodes() {
+    const codes = [];
+    const hashedCodes = [];
+
+    for (let i = 0; i < RECOVERY_CODE_COUNT; i++) {
+      // Generate code in XXXX-XXXX format
+      let code = "";
+      for (let j = 0; j < 8; j++) {
+        if (j === 4) code += "-";
+        code +=
+          RECOVERY_CODE_CHARS[crypto.randomInt(RECOVERY_CODE_CHARS.length)];
+      }
+      codes.push(code);
+
+      // Hash the code for storage
+      const hashedCode = await bcrypt.hash(code, BCRYPT_ROUNDS);
+      hashedCodes.push(hashedCode);
+    }
+
+    return { codes, hashedCodes };
+  }
+
+  /**
+   * Verify a recovery code and return the index if valid
+   * @param {string} inputCode - Recovery code entered by user
+   * @param {Object} recoveryData - Recovery codes data (structured format)
+   * @returns {Promise<{valid: boolean, index: number}>}
+   */
+  static async verifyRecoveryCode(inputCode, recoveryData) {
+    // Normalize input (uppercase, ensure format)
+    const normalizedCode = inputCode.toUpperCase().trim();
+
+    // Validate format
+    if (!/^[A-Z0-9]{4}-[A-Z0-9]{4}$/.test(normalizedCode)) {
+      return { valid: false, index: -1 };
+    }
+
+    // Handle both old format (array) and new format (structured object)
+    const codes = recoveryData.version
+      ? recoveryData.codes
+      : recoveryData.map((hash, i) => ({
+          hash,
+          used: hash === null,
+          index: i,
+        }));
+
+    // Check each code
+    for (let i = 0; i < codes.length; i++) {
+      const codeEntry = codes[i];
+
+      // Skip already used codes
+      if (codeEntry.used || !codeEntry.hash) continue;
+
+      const isMatch = await bcrypt.compare(normalizedCode, codeEntry.hash);
+      if (isMatch) {
+        return { valid: true, index: i };
+      }
+    }
+
+    return { valid: false, index: -1 };
+  }
+
+  /**
+   * Validate if a step-up session is still valid
+   * @param {Object} user - User object with twoFactorVerifiedAt field
+   * @param {number} maxAgeMinutes - Maximum age in minutes (default: 15)
+   * @returns {boolean}
+   */
+  static validateStepUpSession(user, maxAgeMinutes = STEP_UP_VALIDITY_MINUTES) {
+    if (!user.twoFactorVerifiedAt) {
+      return false;
+    }
+
+    const verifiedAt = new Date(user.twoFactorVerifiedAt);
+    const maxAge = maxAgeMinutes * 60 * 1000;
+    const now = Date.now();
+
+    return now - verifiedAt.getTime() < maxAge;
+  }
+
+  /**
+   * Get the count of remaining recovery codes
+   * @param {Object|Array} recoveryData - Recovery codes data (structured or legacy format)
+   * @returns {number}
+   */
+  static getRemainingRecoveryCodesCount(recoveryData) {
+    if (!recoveryData) {
+      return 0;
+    }
+
+    // Handle new structured format
+    if (recoveryData.version) {
+      return recoveryData.codes.filter((code) => !code.used).length;
+    }
+
+    // Handle legacy array format
+    if (Array.isArray(recoveryData)) {
+      return recoveryData.filter((code) => code !== null && code !== "").length;
+    }
+
+    return 0;
+  }
+
+  /**
+   * Encrypt a TOTP secret using AES-256-GCM
+   * @param {string} secret - Plain text secret
+   * @returns {{encrypted: string, iv: string}}
+   * @private
+   */
+  static _encryptSecret(secret) {
+    const encryptionKey = process.env.TOTP_ENCRYPTION_KEY;
+    if (!encryptionKey || encryptionKey.length !== 64) {
+      throw new Error(
+        "TOTP_ENCRYPTION_KEY must be a 64-character hex string (32 bytes)",
+      );
+    }
+
+    const iv = crypto.randomBytes(16);
+    const cipher = crypto.createCipheriv(
+      "aes-256-gcm",
+      Buffer.from(encryptionKey, "hex"),
+      iv,
+    );
+
+    let encrypted = cipher.update(secret, "utf8", "hex");
+    encrypted += cipher.final("hex");
+    const authTag = cipher.getAuthTag().toString("hex");
+
+    return {
+      encrypted: encrypted + ":" + authTag,
+      iv: iv.toString("hex"),
+    };
+  }
+
+  /**
+   * Decrypt a TOTP secret using AES-256-GCM
+   * @param {string} encryptedData - Encrypted data with auth tag
+   * @param {string} iv - Initialization vector (hex)
+   * @returns {string} - Decrypted secret
+   * @private
+   */
+  static _decryptSecret(encryptedData, iv) {
+    const encryptionKey = process.env.TOTP_ENCRYPTION_KEY;
+    if (!encryptionKey || encryptionKey.length !== 64) {
+      throw new Error(
+        "TOTP_ENCRYPTION_KEY must be a 64-character hex string (32 bytes)",
+      );
+    }
+
+    const [ciphertext, authTag] = encryptedData.split(":");
+    const decipher = crypto.createDecipheriv(
+      "aes-256-gcm",
+      Buffer.from(encryptionKey, "hex"),
+      Buffer.from(iv, "hex"),
+    );
+    decipher.setAuthTag(Buffer.from(authTag, "hex"));
+
+    let decrypted = decipher.update(ciphertext, "hex", "utf8");
+    decrypted += decipher.final("utf8");
+    return decrypted;
+  }
+
+  /**
+   * Check if email OTP attempts are locked
+   * @param {number} attempts - Current attempt count
+   * @returns {boolean}
+   */
+  static isEmailOtpLocked(attempts) {
+    return attempts >= MAX_EMAIL_OTP_ATTEMPTS;
+  }
+}
+
+module.exports = TwoFactorService;

backend/services/UserService.js

@@ -89,6 +89,7 @@ class UserService {
           "Failed to send personal information changed notification",
           {
             error: emailError.message,
+            stack: emailError.stack,
             userId: user.id,
             email: user.email,
             changedFields,
@@ -138,6 +139,7 @@ class UserService {
       } catch (emailError) {
         logger.error("Failed to send notification for address creation", {
           error: emailError.message,
+          stack: emailError.stack,
           userId: user.id,
           addressId: address.id,
         });
@@ -181,6 +183,7 @@ class UserService {
       } catch (emailError) {
         logger.error("Failed to send notification for address update", {
           error: emailError.message,
+          stack: emailError.stack,
           userId,
           addressId: address.id,
         });
@@ -223,6 +226,7 @@ class UserService {
       } catch (emailError) {
         logger.error("Failed to send notification for address deletion", {
           error: emailError.message,
+          stack: emailError.stack,
           userId,
           addressId,
         });

backend/services/conditionCheckService.js

@@ -1,5 +1,6 @@
 const { ConditionCheck, Rental, User } = require("../models");
 const { Op } = require("sequelize");
+const { isActive } = require("../utils/rentalStatus");
 
 class ConditionCheckService {
   /**
@@ -70,7 +71,7 @@ class ConditionCheckService {
         canSubmit =
           now >= timeWindow.start &&
           now <= timeWindow.end &&
-          rental.status === "active";
+          isActive(rental);
         break;
 
       case "rental_end_renter":
@@ -80,7 +81,7 @@ class ConditionCheckService {
         canSubmit =
           now >= timeWindow.start &&
           now <= timeWindow.end &&
-          rental.status === "active";
+          isActive(rental);
         break;
 
       case "post_rental_owner":
@@ -155,13 +156,21 @@ class ConditionCheckService {
   }
 
   /**
-   * Get all condition checks for a rental
-   * @param {string} rentalId - Rental ID
+   * Get all condition checks for multiple rentals (batch)
+   * @param {Array<string>} rentalIds - Array of Rental IDs
    * @returns {Array} - Array of condition checks with user info
    */
-  static async getConditionChecks(rentalId) {
+  static async getConditionChecksForRentals(rentalIds) {
+    if (!rentalIds || rentalIds.length === 0) {
+      return [];
+    }
+
     const checks = await ConditionCheck.findAll({
-      where: { rentalId },
+      where: {
+        rentalId: {
+          [Op.in]: rentalIds,
+        },
+      },
       include: [
         {
           model: User,
@@ -175,119 +184,24 @@ class ConditionCheckService {
     return checks;
   }
 
-  /**
-   * Get condition check timeline for a rental
-   * @param {string} rentalId - Rental ID
-   * @returns {Object} - Timeline showing what checks are available/completed
-   */
-  static async getConditionCheckTimeline(rentalId) {
-    const rental = await Rental.findByPk(rentalId);
-    if (!rental) {
-      throw new Error("Rental not found");
-    }
-
-    const existingChecks = await ConditionCheck.findAll({
-      where: { rentalId },
-      include: [
-        {
-          model: User,
-          as: "submittedByUser",
-          attributes: ["id", "firstName", "lastName"],
-        },
-      ],
-    });
-
-    const checkTypes = [
-      "pre_rental_owner",
-      "rental_start_renter",
-      "rental_end_renter",
-      "post_rental_owner",
-    ];
-
-    const timeline = {};
-
-    for (const checkType of checkTypes) {
-      const existingCheck = existingChecks.find(
-        (check) => check.checkType === checkType
-      );
-
-      if (existingCheck) {
-        timeline[checkType] = {
-          status: "completed",
-          submittedAt: existingCheck.submittedAt,
-          submittedBy: existingCheck.submittedBy,
-          photoCount: existingCheck.imageFilenames.length,
-          hasNotes: !!existingCheck.notes,
-        };
-      } else {
-        // Calculate if this check type is available
-        const now = new Date();
-        const startDate = new Date(rental.startDateTime);
-        const endDate = new Date(rental.endDateTime);
-        const twentyFourHours = 24 * 60 * 60 * 1000;
-
-        let timeWindow = {};
-        let status = "not_available";
-
-        switch (checkType) {
-          case "pre_rental_owner":
-            timeWindow.start = new Date(startDate.getTime() - twentyFourHours);
-            timeWindow.end = startDate;
-            break;
-          case "rental_start_renter":
-            timeWindow.start = startDate;
-            timeWindow.end = new Date(startDate.getTime() + twentyFourHours);
-            break;
-          case "rental_end_renter":
-            timeWindow.start = new Date(endDate.getTime() - twentyFourHours);
-            timeWindow.end = endDate;
-            break;
-          case "post_rental_owner":
-            timeWindow.start = endDate;
-            timeWindow.end = new Date(endDate.getTime() + twentyFourHours);
-            break;
-        }
-
-        if (now >= timeWindow.start && now <= timeWindow.end) {
-          status = "available";
-        } else if (now < timeWindow.start) {
-          status = "pending";
-        } else {
-          status = "expired";
-        }
-
-        timeline[checkType] = {
-          status,
-          timeWindow,
-          availableFrom: timeWindow.start,
-          availableUntil: timeWindow.end,
-        };
-      }
-    }
-
-    return {
-      rental: {
-        id: rental.id,
-        startDateTime: rental.startDateTime,
-        endDateTime: rental.endDateTime,
-        status: rental.status,
-      },
-      timeline,
-    };
-  }
-
   /**
    * Get available condition checks for a user
    * @param {string} userId - User ID
+   * @param {Array<string>} rentalIds - Array of rental IDs to check
    * @returns {Array} - Array of available condition checks
    */
-  static async getAvailableChecks(userId) {
+  static async getAvailableChecks(userId, rentalIds) {
+    if (!rentalIds || rentalIds.length === 0) {
+      return [];
+    }
+
     const now = new Date();
     const twentyFourHours = 24 * 60 * 60 * 1000;
 
-    // Find rentals where user is owner or renter
+    // Find specified rentals where user is owner or renter
     const rentals = await Rental.findAll({
       where: {
+        id: { [Op.in]: rentalIds },
         [Op.or]: [{ ownerId: userId }, { renterId: userId }],
         status: {
           [Op.in]: ["confirmed", "active", "completed"],

backend/services/damageAssessmentService.js

@@ -1,6 +1,7 @@
 const { Rental, Item, ConditionCheck, User } = require("../models");
 const LateReturnService = require("./lateReturnService");
 const emailServices = require("./email");
+const { isActive } = require("../utils/rentalStatus");
 
 class DamageAssessmentService {
   /**
@@ -34,7 +35,7 @@ class DamageAssessmentService {
       throw new Error("Only the item owner can report damage");
     }
 
-    if (rental.status !== "active") {
+    if (!isActive(rental)) {
       throw new Error("Can only assess damage for active rentals");
     }
 

backend/services/disputeService.js

@@ -0,0 +1,162 @@
+const { Rental, User, Item } = require("../models");
+const emailServices = require("./email");
+const logger = require("../utils/logger");
+
+class DisputeService {
+  /**
+   * Handle charge.dispute.created webhook
+   * Called when a renter disputes a charge with their bank
+   * @param {Object} dispute - The Stripe dispute object from the webhook
+   * @returns {Object} Processing result
+   */
+  static async handleDisputeCreated(dispute) {
+    const paymentIntentId = dispute.payment_intent;
+
+    logger.info("Processing dispute.created webhook", {
+      disputeId: dispute.id,
+      paymentIntentId,
+      reason: dispute.reason,
+      amount: dispute.amount,
+    });
+
+    const rental = await Rental.findOne({
+      where: { stripePaymentIntentId: paymentIntentId },
+      include: [
+        { model: User, as: "owner" },
+        { model: User, as: "renter" },
+        { model: Item, as: "item" },
+      ],
+    });
+
+    if (!rental) {
+      logger.warn("Dispute received for unknown rental", {
+        paymentIntentId,
+        disputeId: dispute.id,
+      });
+      return { processed: false, reason: "rental_not_found" };
+    }
+
+    // Update rental with dispute info
+    await rental.update({
+      stripeDisputeStatus: dispute.status,
+      stripeDisputeId: dispute.id,
+      stripeDisputeReason: dispute.reason,
+      stripeDisputeAmount: dispute.amount,
+      stripeDisputeCreatedAt: new Date(dispute.created * 1000),
+      stripeDisputeEvidenceDueBy: new Date(
+        dispute.evidence_details.due_by * 1000
+      ),
+    });
+
+    // Pause payout if not yet deposited to owner's bank
+    if (rental.bankDepositStatus !== "paid") {
+      await rental.update({ payoutStatus: "on_hold" });
+      logger.info("Payout placed on hold due to dispute", {
+        rentalId: rental.id,
+      });
+    }
+
+    // Send admin notification
+    await emailServices.payment.sendDisputeAlertEmail({
+      rentalId: rental.id,
+      amount: dispute.amount / 100,
+      reason: dispute.reason,
+      evidenceDueBy: new Date(dispute.evidence_details.due_by * 1000),
+      renterEmail: rental.renter?.email,
+      renterName: rental.renter?.firstName,
+      ownerEmail: rental.owner?.email,
+      ownerName: rental.owner?.firstName,
+      itemName: rental.item?.name,
+    });
+
+    logger.warn("Dispute created for rental", {
+      rentalId: rental.id,
+      disputeId: dispute.id,
+      reason: dispute.reason,
+      evidenceDueBy: dispute.evidence_details.due_by,
+    });
+
+    return { processed: true, rentalId: rental.id };
+  }
+
+  /**
+   * Handle dispute closed events (won, lost, or warning_closed)
+   * Called for: charge.dispute.closed, charge.dispute.funds_reinstated, charge.dispute.funds_withdrawn
+   * @param {Object} dispute - The Stripe dispute object from the webhook
+   * @returns {Object} Processing result
+   */
+  static async handleDisputeClosed(dispute) {
+    logger.info("Processing dispute closed webhook", {
+      disputeId: dispute.id,
+      status: dispute.status,
+    });
+
+    const rental = await Rental.findOne({
+      where: { stripeDisputeId: dispute.id },
+      include: [{ model: User, as: "owner" }],
+    });
+
+    if (!rental) {
+      logger.warn("Dispute closed for unknown rental", {
+        disputeId: dispute.id,
+      });
+      return { processed: false, reason: "rental_not_found" };
+    }
+
+    const won = dispute.status === "won";
+
+    await rental.update({
+      stripeDisputeStatus: dispute.status,
+      stripeDisputeClosedAt: new Date(),
+    });
+
+    // If we won the dispute, resume payout if it was on hold
+    if (won && rental.payoutStatus === "on_hold") {
+      await rental.update({ payoutStatus: "pending" });
+      logger.info("Payout resumed after winning dispute", {
+        rentalId: rental.id,
+      });
+    }
+
+    // If we lost, record the loss amount
+    if (!won && dispute.status === "lost") {
+      await rental.update({
+        stripeDisputeLost: true,
+        stripeDisputeLostAmount: dispute.amount,
+      });
+      logger.warn("Dispute lost", {
+        rentalId: rental.id,
+        amount: dispute.amount,
+      });
+
+      // If owner was already paid, flag for manual review
+      if (rental.bankDepositStatus === "paid") {
+        await emailServices.payment.sendDisputeLostAlertEmail({
+          rentalId: rental.id,
+          amount: dispute.amount / 100,
+          ownerAlreadyPaid: true,
+          ownerPayoutAmount: rental.payoutAmount,
+          ownerEmail: rental.owner?.email,
+          ownerName: rental.owner?.firstName,
+        });
+        logger.warn(
+          "Dispute lost - owner already paid, flagged for manual review",
+          {
+            rentalId: rental.id,
+            payoutAmount: rental.payoutAmount,
+          }
+        );
+      }
+    }
+
+    logger.info("Dispute closed", {
+      rentalId: rental.id,
+      disputeId: dispute.id,
+      outcome: dispute.status,
+    });
+
+    return { processed: true, won, rentalId: rental.id };
+  }
+}
+
+module.exports = DisputeService;

backend/services/email/core/EmailClient.js

@@ -1,6 +1,7 @@
 const { SESClient, SendEmailCommand } = require("@aws-sdk/client-ses");
 const { getAWSConfig } = require("../../../config/aws");
 const { htmlToPlainText } = require("./emailUtils");
+const logger = require("../../../utils/logger");
 
 /**
  * EmailClient handles AWS SES configuration and core email sending functionality
@@ -44,9 +45,9 @@ class EmailClient {
         this.sesClient = new SESClient(awsConfig);
 
         this.initialized = true;
-        console.log("AWS SES Email Client initialized successfully");
+        logger.info("AWS SES Email Client initialized successfully");
       } catch (error) {
-        console.error("Failed to initialize AWS SES Email Client:", error);
+        logger.error("Failed to initialize AWS SES Email Client", { error });
         throw error;
       }
     })();
@@ -69,7 +70,7 @@ class EmailClient {
 
     // Check if email sending is enabled in the environment
     if (!process.env.EMAIL_ENABLED || process.env.EMAIL_ENABLED !== "true") {
-      console.log("Email sending disabled in environment");
+      logger.debug("Email sending disabled in environment");
       return { success: true, messageId: "disabled" };
     }
 
@@ -115,12 +116,10 @@ class EmailClient {
       const command = new SendEmailCommand(params);
       const result = await this.sesClient.send(command);
 
-      console.log(
-        `Email sent successfully to ${to}, MessageId: ${result.MessageId}`
-      );
+      logger.info("Email sent successfully", { to, messageId: result.MessageId });
       return { success: true, messageId: result.MessageId };
     } catch (error) {
-      console.error("Failed to send email:", error);
+      logger.error("Failed to send email", { error, to });
       return { success: false, error: error.message };
     }
   }

backend/services/email/core/TemplateManager.js

@@ -1,5 +1,7 @@
 const fs = require("fs").promises;
 const path = require("path");
+const logger = require("../../../utils/logger");
+const { escapeHtml } = require("./emailUtils");
 
 /**
  * TemplateManager handles loading, caching, and rendering email templates
@@ -9,6 +11,14 @@ const path = require("path");
  * - Rendering templates with variable substitution
  * - Providing fallback templates when files can't be loaded
  */
+// Critical templates that must be preloaded at startup for auth flows
+const CRITICAL_TEMPLATES = [
+  "emailVerificationToUser",
+  "passwordResetToUser",
+  "passwordChangedToUser",
+  "personalInfoChangedToUser",
+];
+
 class TemplateManager {
   constructor() {
     // Singleton pattern - return existing instance if already created
@@ -16,15 +26,76 @@ class TemplateManager {
       return TemplateManager.instance;
     }
 
-    this.templates = new Map();
+    this.templates = new Map(); // Cached template content
+    this.templateNames = new Set(); // Discovered template names
     this.initialized = false;
     this.initializationPromise = null;
+    this.templatesDir = path.join(
+      __dirname,
+      "..",
+      "..",
+      "..",
+      "templates",
+      "emails"
+    );
 
     TemplateManager.instance = this;
   }
 
   /**
-   * Initialize the template manager by loading all email templates
+   * Discover all available templates by scanning the templates directory
+   * Only reads filenames, not content (for fast startup)
+   * @returns {Promise<void>}
+   */
+  async discoverTemplates() {
+    try {
+      const files = await fs.readdir(this.templatesDir);
+      for (const file of files) {
+        if (file.endsWith(".html")) {
+          this.templateNames.add(file.replace(".html", ""));
+        }
+      }
+      logger.info("Discovered email templates", {
+        count: this.templateNames.size,
+      });
+    } catch (error) {
+      logger.error("Failed to discover email templates", {
+        templatesDir: this.templatesDir,
+        error,
+      });
+      throw error;
+    }
+  }
+
+  /**
+   * Load a single template from disk (lazy loading)
+   * @param {string} templateName - Name of the template (without .html extension)
+   * @returns {Promise<string>} Template content
+   */
+  async loadTemplate(templateName) {
+    // Return cached template if already loaded
+    if (this.templates.has(templateName)) {
+      return this.templates.get(templateName);
+    }
+
+    const templatePath = path.join(this.templatesDir, `${templateName}.html`);
+    try {
+      const content = await fs.readFile(templatePath, "utf-8");
+      this.templates.set(templateName, content);
+      logger.debug("Loaded template", { templateName });
+      return content;
+    } catch (error) {
+      logger.error("Failed to load template", {
+        templateName,
+        templatePath,
+        error,
+      });
+      throw error;
+    }
+  }
+
+  /**
+   * Initialize the template manager by discovering templates and preloading critical ones
    * @returns {Promise<void>}
    */
   async initialize() {
@@ -38,116 +109,35 @@ class TemplateManager {
 
     // Start initialization and store the promise
     this.initializationPromise = (async () => {
-      await this.loadEmailTemplates();
-      this.initialized = true;
-      console.log("Email Template Manager initialized successfully");
-    })();
+      // Discover all available templates (fast - only reads filenames)
+      await this.discoverTemplates();
 
-    return this.initializationPromise;
-  }
-
-  /**
-   * Load all email templates from disk into memory
-   * @returns {Promise<void>}
-   */
-  async loadEmailTemplates() {
-    const templatesDir = path.join(__dirname, "..", "..", "..", "templates", "emails");
-
-    // Critical templates that must load for the app to function
-    const criticalTemplates = [
-      "emailVerificationToUser.html",
-      "passwordResetToUser.html",
-      "passwordChangedToUser.html",
-      "personalInfoChangedToUser.html",
-    ];
-
-    try {
-      const templateFiles = [
-        "conditionCheckReminderToUser.html",
-        "rentalConfirmationToUser.html",
-        "emailVerificationToUser.html",
-        "passwordResetToUser.html",
-        "passwordChangedToUser.html",
-        "personalInfoChangedToUser.html",
-        "lateReturnToCS.html",
-        "damageReportToCS.html",
-        "lostItemToCS.html",
-        "rentalRequestToOwner.html",
-        "rentalRequestConfirmationToRenter.html",
-        "rentalCancellationConfirmationToUser.html",
-        "rentalCancellationNotificationToUser.html",
-        "rentalDeclinedToRenter.html",
-        "rentalApprovalConfirmationToOwner.html",
-        "rentalCompletionThankYouToRenter.html",
-        "rentalCompletionCongratsToOwner.html",
-        "payoutReceivedToOwner.html",
-        "firstListingCelebrationToOwner.html",
-        "itemDeletionToOwner.html",
-        "alphaInvitationToUser.html",
-        "feedbackConfirmationToUser.html",
-        "feedbackNotificationToAdmin.html",
-        "newMessageToUser.html",
-        "forumCommentToPostAuthor.html",
-        "forumReplyToCommentAuthor.html",
-        "forumAnswerAcceptedToCommentAuthor.html",
-        "forumThreadActivityToParticipant.html",
-        "forumPostClosed.html",
-        "forumItemRequestNotification.html",
-        "forumPostDeletionToAuthor.html",
-        "forumCommentDeletionToAuthor.html",
-      ];
-
-      const failedTemplates = [];
-
-      for (const templateFile of templateFiles) {
-        try {
-          const templatePath = path.join(templatesDir, templateFile);
-          const templateContent = await fs.readFile(templatePath, "utf-8");
-          const templateName = path.basename(templateFile, ".html");
-          this.templates.set(templateName, templateContent);
-          console.log(`✓ Loaded template: ${templateName}`);
-        } catch (error) {
-          console.error(
-            `✗ Failed to load template ${templateFile}:`,
-            error.message
-          );
-          console.error(
-            `  Template path: ${path.join(templatesDir, templateFile)}`
-          );
-          failedTemplates.push(templateFile);
+      // Preload critical templates for auth flows
+      const missingCritical = [];
+      for (const templateName of CRITICAL_TEMPLATES) {
+        if (!this.templateNames.has(templateName)) {
+          missingCritical.push(templateName);
+        } else {
+          await this.loadTemplate(templateName);
         }
       }
 
-      console.log(
-        `Loaded ${this.templates.size} of ${templateFiles.length} email templates`
-      );
-
-      // Check if critical templates are missing
-      const missingCriticalTemplates = criticalTemplates.filter(
-        (template) => !this.templates.has(path.basename(template, ".html"))
-      );
-
-      if (missingCriticalTemplates.length > 0) {
+      if (missingCritical.length > 0) {
         const error = new Error(
-          `Critical email templates failed to load: ${missingCriticalTemplates.join(", ")}`
+          `Critical email templates not found: ${missingCritical.join(", ")}`
         );
-        error.missingTemplates = missingCriticalTemplates;
+        error.missingTemplates = missingCritical;
         throw error;
       }
 
-      // Warn if non-critical templates failed
-      if (failedTemplates.length > 0) {
-        console.warn(
-          `⚠️  Non-critical templates failed to load: ${failedTemplates.join(", ")}`
-        );
-        console.warn("These templates will use fallback versions");
-      }
-    } catch (error) {
-      console.error("Failed to load email templates:", error);
-      console.error("Templates directory:", templatesDir);
-      console.error("Error stack:", error.stack);
-      throw error; // Re-throw to fail server startup
-    }
+      this.initialized = true;
+      logger.info("Email Template Manager initialized successfully", {
+        discovered: this.templateNames.size,
+        preloaded: CRITICAL_TEMPLATES.length,
+      });
+    })();
+
+    return this.initializationPromise;
   }
 
   /**
@@ -159,60 +149,74 @@ class TemplateManager {
   async renderTemplate(templateName, variables = {}) {
     // Ensure service is initialized before rendering
     if (!this.initialized) {
-      console.log(`Template manager not initialized yet, initializing now...`);
+      logger.debug("Template manager not initialized yet, initializing now...");
       await this.initialize();
     }
 
-    let template = this.templates.get(templateName);
+    let template;
 
-    if (!template) {
-      console.error(`Template not found: ${templateName}`);
-      console.error(
-        `Available templates: ${Array.from(this.templates.keys()).join(", ")}`
-      );
-      console.error(`Stack trace:`, new Error().stack);
-      console.log(`Using fallback template for: ${templateName}`);
-      template = this.getFallbackTemplate(templateName);
+    // Check if template exists in our discovered templates
+    if (this.templateNames.has(templateName)) {
+      // Lazy load the template if not already cached
+      template = await this.loadTemplate(templateName);
     } else {
-      console.log(`✓ Template found: ${templateName}`);
+      logger.error("Template not found, using fallback", {
+        templateName,
+        discoveredTemplates: Array.from(this.templateNames),
+      });
+      template = this.getFallbackTemplate(templateName);
     }
 
     let rendered = template;
 
     try {
       Object.keys(variables).forEach((key) => {
+        // Variables ending in 'Html' or 'Section' contain trusted HTML content
+        // (e.g., refundSection, stripeSection, earningsSection) - don't escape these
+        const isTrustedHtml = key.endsWith("Html") || key.endsWith("Section");
+        let value = variables[key] || "";
+
+        // Escape HTML in user-provided values to prevent XSS
+        if (!isTrustedHtml && typeof value === "string") {
+          value = escapeHtml(value);
+        }
+
         const regex = new RegExp(`{{${key}}}`, "g");
-        rendered = rendered.replace(regex, variables[key] || "");
+        rendered = rendered.replace(regex, value);
       });
     } catch (error) {
-      console.error(`Error rendering template ${templateName}:`, error);
-      console.error(`Stack trace:`, error.stack);
-      console.error(`Variables provided:`, Object.keys(variables));
+      logger.error("Error rendering template", {
+        templateName,
+        variableKeys: Object.keys(variables),
+        error,
+      });
     }
 
     return rendered;
   }
 
   /**
-   * Get a fallback template when the HTML file is not available
-   * @param {string} templateName - Name of the template
-   * @returns {string} Fallback HTML template
+   * Get a generic fallback template when the HTML file is not available
+   * This is used as a last resort when a template cannot be loaded
+   * @param {string} templateName - Name of the template (for logging)
+   * @returns {string} Generic fallback HTML template
    */
   getFallbackTemplate(templateName) {
-    const baseTemplate = `
+    logger.warn("Using generic fallback template", { templateName });
+
+    return `
       <!DOCTYPE html>
       <html>
       <head>
         <meta charset="utf-8">
         <meta name="viewport" content="width=device-width, initial-scale=1.0">
-        <title>{{title}}</title>
+        <title>Village Share</title>
         <style>
           body { font-family: Arial, sans-serif; margin: 0; padding: 20px; background-color: #f5f5f5; }
           .container { max-width: 600px; margin: 0 auto; background-color: white; padding: 30px; border-radius: 8px; box-shadow: 0 2px 4px rgba(0,0,0,0.1); }
           .header { text-align: center; border-bottom: 2px solid #e9ecef; padding-bottom: 20px; margin-bottom: 30px; }
           .logo { font-size: 24px; font-weight: bold; color: #333; }
           .content { line-height: 1.6; color: #555; }
-          .button { display: inline-block; background-color: #007bff; color: white; padding: 12px 24px; text-decoration: none; border-radius: 4px; margin: 20px 0; }
           .footer { margin-top: 30px; padding-top: 20px; border-top: 1px solid #e9ecef; text-align: center; font-size: 12px; color: #6c757d; }
         </style>
       </head>
@@ -222,7 +226,9 @@ class TemplateManager {
             <div class="logo">Village Share</div>
           </div>
           <div class="content">
-            {{content}}
+            <p>Hi {{recipientName}},</p>
+            <h2>{{title}}</h2>
+            <p>{{message}}</p>
           </div>
           <div class="footer">
             <p>This email was sent from Village Share. If you have any questions, please contact support.</p>
@@ -231,270 +237,6 @@ class TemplateManager {
       </body>
       </html>
     `;
-
-    const templates = {
-      conditionCheckReminderToUser: baseTemplate.replace(
-        "{{content}}",
-        `
-        <h2>{{title}}</h2>
-        <p>{{message}}</p>
-        <p><strong>Rental Item:</strong> {{itemName}}</p>
-        <p><strong>Deadline:</strong> {{deadline}}</p>
-        <p>Please complete this condition check as soon as possible to ensure proper documentation.</p>
-      `
-      ),
-
-      rentalConfirmationToUser: baseTemplate.replace(
-        "{{content}}",
-        `
-        <p>Hi {{recipientName}},</p>
-        <h2>{{title}}</h2>
-        <p>{{message}}</p>
-        <p><strong>Item:</strong> {{itemName}}</p>
-        <p><strong>Rental Period:</strong> {{startDate}} to {{endDate}}</p>
-        <p>Thank you for using Village Share!</p>
-      `
-      ),
-
-      emailVerificationToUser: baseTemplate.replace(
-        "{{content}}",
-        `
-        <p>Hi {{recipientName}},</p>
-        <h2>Verify Your Email Address</h2>
-        <p>Thank you for registering with Village Share! Please verify your email address by clicking the button below.</p>
-        <p><a href="{{verificationUrl}}" class="button">Verify Email Address</a></p>
-        <p>If the button doesn't work, copy and paste this link into your browser: {{verificationUrl}}</p>
-        <p><strong>This link will expire in 24 hours.</strong></p>
-      `
-      ),
-
-      passwordResetToUser: baseTemplate.replace(
-        "{{content}}",
-        `
-        <p>Hi {{recipientName}},</p>
-        <h2>Reset Your Password</h2>
-        <p>We received a request to reset the password for your Village Share account. Click the button below to choose a new password.</p>
-        <p><a href="{{resetUrl}}" class="button">Reset Password</a></p>
-        <p>If the button doesn't work, copy and paste this link into your browser: {{resetUrl}}</p>
-        <p><strong>This link will expire in 1 hour.</strong></p>
-        <p>If you didn't request this, you can safely ignore this email.</p>
-      `
-      ),
-
-      passwordChangedToUser: baseTemplate.replace(
-        "{{content}}",
-        `
-        <p>Hi {{recipientName}},</p>
-        <h2>Your Password Has Been Changed</h2>
-        <p>This is a confirmation that the password for your Village Share account ({{email}}) has been successfully changed.</p>
-        <p><strong>Changed on:</strong> {{timestamp}}</p>
-        <p>For your security, all existing sessions have been logged out.</p>
-        <p><strong>Didn't change your password?</strong> If you did not make this change, please contact our support team immediately.</p>
-      `
-      ),
-
-      rentalRequestToOwner: baseTemplate.replace(
-        "{{content}}",
-        `
-        <p>Hi {{ownerName}},</p>
-        <h2>New Rental Request for {{itemName}}</h2>
-        <p>{{renterName}} would like to rent your item.</p>
-        <p><strong>Rental Period:</strong> {{startDate}} to {{endDate}}</p>
-        <p><strong>Total Amount:</strong> \${{totalAmount}}</p>
-        <p><strong>Your Earnings:</strong> \${{payoutAmount}}</p>
-        <p><strong>Delivery Method:</strong> {{deliveryMethod}}</p>
-        <p><strong>Intended Use:</strong> {{intendedUse}}</p>
-        <p><a href="{{approveUrl}}" class="button">Review & Respond</a></p>
-        <p>Please respond to this request within 24 hours.</p>
-      `
-      ),
-
-      rentalRequestConfirmationToRenter: baseTemplate.replace(
-        "{{content}}",
-        `
-        <p>Hi {{renterName}},</p>
-        <h2>Your Rental Request Has Been Submitted!</h2>
-        <p>Your request to rent <strong>{{itemName}}</strong> has been sent to the owner.</p>
-        <p><strong>Item:</strong> {{itemName}}</p>
-        <p><strong>Rental Period:</strong> {{startDate}} to {{endDate}}</p>
-        <p><strong>Delivery Method:</strong> {{deliveryMethod}}</p>
-        <p><strong>Total Amount:</strong> \${{totalAmount}}</p>
-        <p>{{paymentMessage}}</p>
-        <p>You'll receive an email notification once the owner responds to your request.</p>
-        <p><a href="{{viewRentalsUrl}}" class="button">View My Rentals</a></p>
-      `
-      ),
-
-      rentalCancellationConfirmationToUser: baseTemplate.replace(
-        "{{content}}",
-        `
-        <p>Hi {{recipientName}},</p>
-        <h2>Rental Cancelled Successfully</h2>
-        <p>This confirms that your rental for <strong>{{itemName}}</strong> has been cancelled.</p>
-        <p><strong>Item:</strong> {{itemName}}</p>
-        <p><strong>Start Date:</strong> {{startDate}}</p>
-        <p><strong>End Date:</strong> {{endDate}}</p>
-        <p><strong>Cancelled On:</strong> {{cancelledAt}}</p>
-        {{refundSection}}
-      `
-      ),
-
-      rentalCancellationNotificationToUser: baseTemplate.replace(
-        "{{content}}",
-        `
-        <p>Hi {{recipientName}},</p>
-        <h2>Rental Cancellation Notice</h2>
-        <p>{{cancellationMessage}}</p>
-        <p><strong>Item:</strong> {{itemName}}</p>
-        <p><strong>Start Date:</strong> {{startDate}}</p>
-        <p><strong>End Date:</strong> {{endDate}}</p>
-        <p><strong>Cancelled On:</strong> {{cancelledAt}}</p>
-        {{additionalInfo}}
-        <p>If you have any questions or concerns, please reach out to our support team.</p>
-      `
-      ),
-
-      payoutReceivedToOwner: baseTemplate.replace(
-        "{{content}}",
-        `
-        <p>Hi {{ownerName}},</p>
-        <h2 style="color: #28a745;">Earnings Received: \${{payoutAmount}}</h2>
-        <p>Great news! Your earnings from the rental of <strong>{{itemName}}</strong> have been transferred to your account.</p>
-        <h3>Rental Details</h3>
-        <p><strong>Item:</strong> {{itemName}}</p>
-        <p><strong>Rental Period:</strong> {{startDate}} to {{endDate}}</p>
-        <p><strong>Transfer ID:</strong> {{stripeTransferId}}</p>
-        <h3>Earnings Breakdown</h3>
-        <p><strong>Rental Amount:</strong> \${{totalAmount}}</p>
-        <p><strong>Community Upkeep Fee (10%):</strong> -\${{platformFee}}</p>
-        <p style="font-size: 18px; color: #28a745;"><strong>Your Earnings:</strong> \${{payoutAmount}}</p>
-        <p>Funds are typically available in your bank account within 2-3 business days.</p>
-        <p><a href="{{earningsDashboardUrl}}" class="button">View Earnings Dashboard</a></p>
-        <p>Thank you for being a valued member of the Village Share community!</p>
-      `
-      ),
-
-      rentalDeclinedToRenter: baseTemplate.replace(
-        "{{content}}",
-        `
-        <p>Hi {{renterName}},</p>
-        <h2>Rental Request Declined</h2>
-        <p>Thank you for your interest in renting <strong>{{itemName}}</strong>. Unfortunately, the owner is unable to accept your rental request at this time.</p>
-        <h3>Request Details</h3>
-        <p><strong>Item:</strong> {{itemName}}</p>
-        <p><strong>Start Date:</strong> {{startDate}}</p>
-        <p><strong>End Date:</strong> {{endDate}}</p>
-        <p><strong>Delivery Method:</strong> {{deliveryMethod}}</p>
-        {{ownerMessage}}
-        <div class="info-box">
-          <p><strong>What happens next?</strong></p>
-          <p>{{paymentMessage}}</p>
-          <p>We encourage you to explore other similar items available for rent on Village Share. There are many great options waiting for you!</p>
-        </div>
-        <p style="text-align: center;"><a href="{{browseItemsUrl}}" class="button">Browse Available Items</a></p>
-        <p>If you have any questions or concerns, please don't hesitate to contact our support team.</p>
-      `
-      ),
-
-      rentalApprovalConfirmationToOwner: baseTemplate.replace(
-        "{{content}}",
-        `
-        <p>Hi {{ownerName}},</p>
-        <h2>You've Approved the Rental Request!</h2>
-        <p>You've successfully approved the rental request for <strong>{{itemName}}</strong>.</p>
-        <h3>Rental Details</h3>
-        <p><strong>Item:</strong> {{itemName}}</p>
-        <p><strong>Renter:</strong> {{renterName}}</p>
-        <p><strong>Start Date:</strong> {{startDate}}</p>
-        <p><strong>End Date:</strong> {{endDate}}</p>
-        <p><strong>Your Earnings:</strong> \${{payoutAmount}}</p>
-        {{stripeSection}}
-        <h3>What's Next?</h3>
-        <ul>
-          <li>Coordinate with the renter on pickup details</li>
-          <li>Take photos of the item's condition before handoff</li>
-          <li>Provide any care instructions or usage tips</li>
-        </ul>
-        <p><a href="{{rentalDetailsUrl}}" class="button">View Rental Details</a></p>
-      `
-      ),
-
-      rentalCompletionThankYouToRenter: baseTemplate.replace(
-        "{{content}}",
-        `
-        <p>Hi {{renterName}},</p>
-        <h2>Thank You for Returning On Time!</h2>
-        <p>You've successfully returned <strong>{{itemName}}</strong> on time. On-time returns like yours help build trust in the Village Share community!</p>
-        <h3>Rental Summary</h3>
-        <p><strong>Item:</strong> {{itemName}}</p>
-        <p><strong>Rental Period:</strong> {{startDate}} to {{endDate}}</p>
-        <p><strong>Returned On:</strong> {{returnedDate}}</p>
-        {{reviewSection}}
-        <p><a href="{{browseItemsUrl}}" class="button">Browse Available Items</a></p>
-      `
-      ),
-
-      rentalCompletionCongratsToOwner: baseTemplate.replace(
-        "{{content}}",
-        `
-        <p>Hi {{ownerName}},</p>
-        <h2>Congratulations on Completing a Rental!</h2>
-        <p><strong>{{itemName}}</strong> has been successfully returned on time. Great job!</p>
-        <h3>Rental Summary</h3>
-        <p><strong>Item:</strong> {{itemName}}</p>
-        <p><strong>Renter:</strong> {{renterName}}</p>
-        <p><strong>Rental Period:</strong> {{startDate}} to {{endDate}}</p>
-        {{earningsSection}}
-        {{stripeSection}}
-        <p><a href="{{owningUrl}}" class="button">View My Listings</a></p>
-      `
-      ),
-
-      feedbackConfirmationToUser: baseTemplate.replace(
-        "{{content}}",
-        `
-        <p>Hi {{userName}},</p>
-        <h2>Thank You for Your Feedback!</h2>
-        <p>We've received your feedback and our team will review it carefully.</p>
-        <div style="background-color: #f8f9fa; border-left: 4px solid #007bff; padding: 15px; margin: 20px 0; font-style: italic;">
-          {{feedbackText}}
-        </div>
-        <p><strong>Submitted:</strong> {{submittedAt}}</p>
-        <p>Your input helps us improve Village Share for everyone. We take all feedback seriously and use it to make the platform better.</p>
-        <p>If your feedback requires a response, our team will reach out to you directly.</p>
-      `
-      ),
-
-      feedbackNotificationToAdmin: baseTemplate.replace(
-        "{{content}}",
-        `
-        <h2>New Feedback Received</h2>
-        <p><strong>From:</strong> {{userName}} ({{userEmail}})</p>
-        <p><strong>User ID:</strong> {{userId}}</p>
-        <p><strong>Submitted:</strong> {{submittedAt}}</p>
-        <h3>Feedback Content</h3>
-        <div style="background-color: #e7f3ff; border-left: 4px solid #007bff; padding: 20px; margin: 20px 0;">
-          {{feedbackText}}
-        </div>
-        <h3>Technical Context</h3>
-        <p><strong>Feedback ID:</strong> {{feedbackId}}</p>
-        <p><strong>Page URL:</strong> {{url}}</p>
-        <p><strong>User Agent:</strong> {{userAgent}}</p>
-        <p>Please review this feedback and take appropriate action if needed.</p>
-      `
-      ),
-    };
-
-    return (
-      templates[templateName] ||
-      baseTemplate.replace(
-        "{{content}}",
-        `
-      <h2>{{title}}</h2>
-      <p>{{message}}</p>
-    `
-      )
-    );
   }
 }
 

backend/services/email/core/emailUtils.js

@@ -90,9 +90,26 @@ function formatCurrency(amount, currency = "USD") {
   }).format(amount / 100);
 }
 
+/**
+ * Escape HTML special characters to prevent XSS attacks
+ * Converts characters that could be interpreted as HTML into safe entities
+ * @param {*} str - Value to escape (will be converted to string)
+ * @returns {string} HTML-escaped string safe for insertion into HTML
+ */
+function escapeHtml(str) {
+  if (str === null || str === undefined) return "";
+  return String(str)
+    .replace(/&/g, "&")
+    .replace(/</g, "&lt;")
+    .replace(/>/g, "&gt;")
+    .replace(/"/g, "&quot;")
+    .replace(/'/g, "&#039;");
+}
+
 module.exports = {
   htmlToPlainText,
   formatEmailDate,
   formatShortDate,
   formatCurrency,
+  escapeHtml,
 };

backend/services/email/domain/AlphaInvitationEmailService.js

@@ -1,5 +1,6 @@
 const EmailClient = require("../core/EmailClient");
 const TemplateManager = require("../core/TemplateManager");
+const logger = require("../../../utils/logger");
 
 /**
  * AlphaInvitationEmailService handles alpha program invitation emails
@@ -26,7 +27,7 @@ class AlphaInvitationEmailService {
     ]);
 
     this.initialized = true;
-    console.log("Alpha Invitation Email Service initialized successfully");
+    logger.info("Alpha Invitation Email Service initialized successfully");
   }
 
   /**
@@ -41,7 +42,7 @@ class AlphaInvitationEmailService {
     }
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const frontendUrl = process.env.FRONTEND_URL;
 
       const variables = {
         code: code,
@@ -53,16 +54,16 @@ class AlphaInvitationEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "alphaInvitationToUser",
-        variables
+        variables,
       );
 
       return await this.emailClient.sendEmail(
         email,
         "Your Alpha Access Code - Village Share",
-        htmlContent
+        htmlContent,
       );
     } catch (error) {
-      console.error("Failed to send alpha invitation email:", error);
+      logger.error("Failed to send alpha invitation email", { error });
       return { success: false, error: error.message };
     }
   }

backend/services/email/domain/AuthEmailService.js

@@ -44,7 +44,7 @@ class AuthEmailService {
       await this.initialize();
     }
 
-    const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+    const frontendUrl = process.env.FRONTEND_URL;
     const verificationUrl = `${frontendUrl}/verify-email?token=${verificationToken}`;
 
     const variables = {
@@ -55,13 +55,13 @@ class AuthEmailService {
 
     const htmlContent = await this.templateManager.renderTemplate(
       "emailVerificationToUser",
-      variables
+      variables,
     );
 
     return await this.emailClient.sendEmail(
       user.email,
       "Verify Your Email - Village Share",
-      htmlContent
+      htmlContent,
     );
   }
 
@@ -78,7 +78,7 @@ class AuthEmailService {
       await this.initialize();
     }
 
-    const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+    const frontendUrl = process.env.FRONTEND_URL;
     const resetUrl = `${frontendUrl}/reset-password?token=${resetToken}`;
 
     const variables = {
@@ -88,13 +88,13 @@ class AuthEmailService {
 
     const htmlContent = await this.templateManager.renderTemplate(
       "passwordResetToUser",
-      variables
+      variables,
     );
 
     return await this.emailClient.sendEmail(
       user.email,
       "Reset Your Password - Village Share",
-      htmlContent
+      htmlContent,
     );
   }
 
@@ -123,13 +123,13 @@ class AuthEmailService {
 
     const htmlContent = await this.templateManager.renderTemplate(
       "passwordChangedToUser",
-      variables
+      variables,
     );
 
     return await this.emailClient.sendEmail(
       user.email,
       "Password Changed Successfully - Village Share",
-      htmlContent
+      htmlContent,
     );
   }
 
@@ -158,13 +158,157 @@ class AuthEmailService {
 
     const htmlContent = await this.templateManager.renderTemplate(
       "personalInfoChangedToUser",
-      variables
+      variables,
     );
 
     return await this.emailClient.sendEmail(
       user.email,
       "Personal Information Updated - Village Share",
-      htmlContent
+      htmlContent,
+    );
+  }
+
+  /**
+   * Send two-factor authentication OTP email
+   * @param {Object} user - User object
+   * @param {string} user.firstName - User's first name
+   * @param {string} user.email - User's email address
+   * @param {string} otpCode - 6-digit OTP code
+   * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
+   */
+  async sendTwoFactorOtpEmail(user, otpCode) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    const variables = {
+      recipientName: user.firstName || "there",
+      otpCode: otpCode,
+    };
+
+    const htmlContent = await this.templateManager.renderTemplate(
+      "twoFactorOtpToUser",
+      variables,
+    );
+
+    return await this.emailClient.sendEmail(
+      user.email,
+      "Your Verification Code - Village Share",
+      htmlContent,
+    );
+  }
+
+  /**
+   * Send two-factor authentication enabled confirmation email
+   * @param {Object} user - User object
+   * @param {string} user.firstName - User's first name
+   * @param {string} user.email - User's email address
+   * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
+   */
+  async sendTwoFactorEnabledEmail(user) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    const timestamp = new Date().toLocaleString("en-US", {
+      dateStyle: "long",
+      timeStyle: "short",
+    });
+
+    const variables = {
+      recipientName: user.firstName || "there",
+      timestamp: timestamp,
+    };
+
+    const htmlContent = await this.templateManager.renderTemplate(
+      "twoFactorEnabledToUser",
+      variables,
+    );
+
+    return await this.emailClient.sendEmail(
+      user.email,
+      "Multi-Factor Authentication Enabled - Village Share",
+      htmlContent,
+    );
+  }
+
+  /**
+   * Send two-factor authentication disabled notification email
+   * @param {Object} user - User object
+   * @param {string} user.firstName - User's first name
+   * @param {string} user.email - User's email address
+   * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
+   */
+  async sendTwoFactorDisabledEmail(user) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    const timestamp = new Date().toLocaleString("en-US", {
+      dateStyle: "long",
+      timeStyle: "short",
+    });
+
+    const variables = {
+      recipientName: user.firstName || "there",
+      timestamp: timestamp,
+    };
+
+    const htmlContent = await this.templateManager.renderTemplate(
+      "twoFactorDisabledToUser",
+      variables,
+    );
+
+    return await this.emailClient.sendEmail(
+      user.email,
+      "Multi-Factor Authentication Disabled - Village Share",
+      htmlContent,
+    );
+  }
+
+  /**
+   * Send recovery code used notification email
+   * @param {Object} user - User object
+   * @param {string} user.firstName - User's first name
+   * @param {string} user.email - User's email address
+   * @param {number} remainingCodes - Number of remaining recovery codes
+   * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
+   */
+  async sendRecoveryCodeUsedEmail(user, remainingCodes) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    const timestamp = new Date().toLocaleString("en-US", {
+      dateStyle: "long",
+      timeStyle: "short",
+    });
+
+    // Determine color based on remaining codes
+    let remainingCodesColor = "#28a745"; // Green
+    if (remainingCodes <= 2) {
+      remainingCodesColor = "#dc3545"; // Red
+    } else if (remainingCodes <= 5) {
+      remainingCodesColor = "#fd7e14"; // Orange
+    }
+
+    const variables = {
+      recipientName: user.firstName || "there",
+      remainingCodes: remainingCodes,
+      remainingCodesColor: remainingCodesColor,
+      lowCodesWarning: remainingCodes <= 2,
+      timestamp: timestamp,
+    };
+
+    const htmlContent = await this.templateManager.renderTemplate(
+      "recoveryCodeUsedToUser",
+      variables,
+    );
+
+    return await this.emailClient.sendEmail(
+      user.email,
+      "Recovery Code Used - Village Share",
+      htmlContent,
     );
   }
 }

backend/services/email/domain/CustomerServiceEmailService.js

@@ -1,5 +1,6 @@
 const EmailClient = require("../core/EmailClient");
 const TemplateManager = require("../core/TemplateManager");
+const logger = require("../../../utils/logger");
 
 /**
  * CustomerServiceEmailService handles all customer service alert emails
@@ -28,7 +29,7 @@ class CustomerServiceEmailService {
     ]);
 
     this.initialized = true;
-    console.log("Customer Service Email Service initialized successfully");
+    logger.info("Customer Service Email Service initialized successfully");
   }
 
   /**
@@ -59,7 +60,7 @@ class CustomerServiceEmailService {
     try {
       const csEmail = process.env.CUSTOMER_SUPPORT_EMAIL;
       if (!csEmail) {
-        console.warn("No customer service email configured");
+        logger.warn("No customer service email configured");
         return { success: false, error: "No customer service email configured" };
       }
 
@@ -92,14 +93,14 @@ class CustomerServiceEmailService {
       );
 
       if (result.success) {
-        console.log(
+        logger.info(
           `Late return notification sent to customer service for rental ${rental.id}`
         );
       }
 
       return result;
     } catch (error) {
-      console.error(
+      logger.error(
         "Failed to send late return notification to customer service:",
         error
       );
@@ -148,7 +149,7 @@ class CustomerServiceEmailService {
     try {
       const csEmail = process.env.CUSTOMER_SUPPORT_EMAIL;
       if (!csEmail) {
-        console.warn("No customer service email configured");
+        logger.warn("No customer service email configured");
         return { success: false, error: "No customer service email configured" };
       }
 
@@ -206,14 +207,14 @@ class CustomerServiceEmailService {
       );
 
       if (result.success) {
-        console.log(
+        logger.info(
           `Damage report notification sent to customer service for rental ${rental.id}`
         );
       }
 
       return result;
     } catch (error) {
-      console.error(
+      logger.error(
         "Failed to send damage report notification to customer service:",
         error
       );
@@ -248,7 +249,7 @@ class CustomerServiceEmailService {
     try {
       const csEmail = process.env.CUSTOMER_SUPPORT_EMAIL;
       if (!csEmail) {
-        console.warn("No customer service email configured");
+        logger.warn("No customer service email configured");
         return { success: false, error: "No customer service email configured" };
       }
 
@@ -280,14 +281,14 @@ class CustomerServiceEmailService {
       );
 
       if (result.success) {
-        console.log(
+        logger.info(
           `Lost item notification sent to customer service for rental ${rental.id}`
         );
       }
 
       return result;
     } catch (error) {
-      console.error(
+      logger.error(
         "Failed to send lost item notification to customer service:",
         error
       );

backend/services/email/domain/FeedbackEmailService.js

@@ -60,13 +60,13 @@ class FeedbackEmailService {
 
     const htmlContent = await this.templateManager.renderTemplate(
       "feedbackConfirmationToUser",
-      variables
+      variables,
     );
 
     return await this.emailClient.sendEmail(
       user.email,
       "Thank You for Your Feedback - Village Share",
-      htmlContent
+      htmlContent,
     );
   }
 
@@ -90,8 +90,7 @@ class FeedbackEmailService {
       await this.initialize();
     }
 
-    const adminEmail =
-      process.env.FEEDBACK_EMAIL || process.env.CUSTOMER_SUPPORT_EMAIL;
+    const adminEmail = process.env.CUSTOMER_SUPPORT_EMAIL;
 
     if (!adminEmail) {
       console.warn("No admin email configured for feedback notifications");
@@ -117,13 +116,13 @@ class FeedbackEmailService {
 
     const htmlContent = await this.templateManager.renderTemplate(
       "feedbackNotificationToAdmin",
-      variables
+      variables,
     );
 
     return await this.emailClient.sendEmail(
       adminEmail,
       `New Feedback from ${user.firstName} ${user.lastName}`,
-      htmlContent
+      htmlContent,
     );
   }
 }

backend/services/email/domain/ForumEmailService.js

@@ -1,5 +1,6 @@
 const EmailClient = require("../core/EmailClient");
 const TemplateManager = require("../core/TemplateManager");
+const logger = require("../../../utils/logger");
 
 /**
  * ForumEmailService handles all forum-related email notifications
@@ -31,7 +32,7 @@ class ForumEmailService {
     ]);
 
     this.initialized = true;
-    console.log("Forum Email Service initialized successfully");
+    logger.info("Forum Email Service initialized successfully");
   }
 
   /**
@@ -56,7 +57,7 @@ class ForumEmailService {
     }
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const frontendUrl = process.env.FRONTEND_URL;
       const postUrl = `${frontendUrl}/forum/posts/${post.id}`;
 
       const timestamp = new Date(comment.createdAt).toLocaleString("en-US", {
@@ -76,7 +77,7 @@ class ForumEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "forumCommentToPostAuthor",
-        variables
+        variables,
       );
 
       const subject = `${commenter.firstName} ${commenter.lastName} commented on your post`;
@@ -84,18 +85,18 @@ class ForumEmailService {
       const result = await this.emailClient.sendEmail(
         postAuthor.email,
         subject,
-        htmlContent
+        htmlContent,
       );
 
       if (result.success) {
-        console.log(
-          `Forum comment notification email sent to ${postAuthor.email}`
+        logger.info(
+          `Forum comment notification email sent to ${postAuthor.email}`,
         );
       }
 
       return result;
     } catch (error) {
-      console.error("Failed to send forum comment notification email:", error);
+      logger.error("Failed to send forum comment notification email:", error);
       return { success: false, error: error.message };
     }
   }
@@ -123,14 +124,14 @@ class ForumEmailService {
     replier,
     post,
     reply,
-    parentComment
+    parentComment,
   ) {
     if (!this.initialized) {
       await this.initialize();
     }
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const frontendUrl = process.env.FRONTEND_URL;
       const postUrl = `${frontendUrl}/forum/posts/${post.id}`;
 
       const timestamp = new Date(reply.createdAt).toLocaleString("en-US", {
@@ -151,7 +152,7 @@ class ForumEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "forumReplyToCommentAuthor",
-        variables
+        variables,
       );
 
       const subject = `${replier.firstName} ${replier.lastName} replied to your comment`;
@@ -159,18 +160,18 @@ class ForumEmailService {
       const result = await this.emailClient.sendEmail(
         commentAuthor.email,
         subject,
-        htmlContent
+        htmlContent,
       );
 
       if (result.success) {
-        console.log(
-          `Forum reply notification email sent to ${commentAuthor.email}`
+        logger.info(
+          `Forum reply notification email sent to ${commentAuthor.email}`,
         );
       }
 
       return result;
     } catch (error) {
-      console.error("Failed to send forum reply notification email:", error);
+      logger.error("Failed to send forum reply notification email:", error);
       return { success: false, error: error.message };
     }
   }
@@ -194,14 +195,14 @@ class ForumEmailService {
     commentAuthor,
     postAuthor,
     post,
-    comment
+    comment,
   ) {
     if (!this.initialized) {
       await this.initialize();
     }
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const frontendUrl = process.env.FRONTEND_URL;
       const postUrl = `${frontendUrl}/forum/posts/${post.id}`;
 
       const variables = {
@@ -215,7 +216,7 @@ class ForumEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "forumAnswerAcceptedToCommentAuthor",
-        variables
+        variables,
       );
 
       const subject = `Your comment was marked as the accepted answer!`;
@@ -223,20 +224,20 @@ class ForumEmailService {
       const result = await this.emailClient.sendEmail(
         commentAuthor.email,
         subject,
-        htmlContent
+        htmlContent,
       );
 
       if (result.success) {
-        console.log(
-          `Forum answer accepted notification email sent to ${commentAuthor.email}`
+        logger.info(
+          `Forum answer accepted notification email sent to ${commentAuthor.email}`,
         );
       }
 
       return result;
     } catch (error) {
-      console.error(
+      logger.error(
         "Failed to send forum answer accepted notification email:",
-        error
+        error,
       );
       return { success: false, error: error.message };
     }
@@ -262,14 +263,14 @@ class ForumEmailService {
     participant,
     commenter,
     post,
-    comment
+    comment,
   ) {
     if (!this.initialized) {
       await this.initialize();
     }
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const frontendUrl = process.env.FRONTEND_URL;
       const postUrl = `${frontendUrl}/forum/posts/${post.id}`;
 
       const timestamp = new Date(comment.createdAt).toLocaleString("en-US", {
@@ -289,7 +290,7 @@ class ForumEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "forumThreadActivityToParticipant",
-        variables
+        variables,
       );
 
       const subject = `New activity on a post you're following`;
@@ -297,20 +298,20 @@ class ForumEmailService {
       const result = await this.emailClient.sendEmail(
         participant.email,
         subject,
-        htmlContent
+        htmlContent,
       );
 
       if (result.success) {
-        console.log(
-          `Forum thread activity notification email sent to ${participant.email}`
+        logger.info(
+          `Forum thread activity notification email sent to ${participant.email}`,
         );
       }
 
       return result;
     } catch (error) {
-      console.error(
+      logger.error(
         "Failed to send forum thread activity notification email:",
-        error
+        error,
       );
       return { success: false, error: error.message };
     }
@@ -330,18 +331,13 @@ class ForumEmailService {
    * @param {Date} closedAt - Timestamp when discussion was closed
    * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
    */
-  async sendForumPostClosedNotification(
-    recipient,
-    closer,
-    post,
-    closedAt
-  ) {
+  async sendForumPostClosedNotification(recipient, closer, post, closedAt) {
     if (!this.initialized) {
       await this.initialize();
     }
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const frontendUrl = process.env.FRONTEND_URL;
       const postUrl = `${frontendUrl}/forum/posts/${post.id}`;
 
       const timestamp = new Date(closedAt).toLocaleString("en-US", {
@@ -351,8 +347,7 @@ class ForumEmailService {
 
       const variables = {
         recipientName: recipient.firstName || "there",
-        adminName:
-          `${closer.firstName} ${closer.lastName}`.trim() || "A user",
+        adminName: `${closer.firstName} ${closer.lastName}`.trim() || "A user",
         postTitle: post.title,
         postUrl: postUrl,
         timestamp: timestamp,
@@ -360,7 +355,7 @@ class ForumEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "forumPostClosed",
-        variables
+        variables,
       );
 
       const subject = `Discussion closed: ${post.title}`;
@@ -368,20 +363,20 @@ class ForumEmailService {
       const result = await this.emailClient.sendEmail(
         recipient.email,
         subject,
-        htmlContent
+        htmlContent,
       );
 
       if (result.success) {
-        console.log(
-          `Forum post closed notification email sent to ${recipient.email}`
+        logger.info(
+          `Forum post closed notification email sent to ${recipient.email}`,
         );
       }
 
       return result;
     } catch (error) {
-      console.error(
+      logger.error(
         "Failed to send forum post closed notification email:",
-        error
+        error,
       );
       return { success: false, error: error.message };
     }
@@ -400,18 +395,24 @@ class ForumEmailService {
    * @param {string} deletionReason - Reason for deletion
    * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
    */
-  async sendForumPostDeletionNotification(postAuthor, admin, post, deletionReason) {
+  async sendForumPostDeletionNotification(
+    postAuthor,
+    admin,
+    post,
+    deletionReason,
+  ) {
     if (!this.initialized) {
       await this.initialize();
     }
 
     try {
-      const supportEmail = process.env.SUPPORT_EMAIL;
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const supportEmail = process.env.CUSTOMER_SUPPORT_EMAIL;
+      const frontendUrl = process.env.FRONTEND_URL;
 
       const variables = {
         postAuthorName: postAuthor.firstName || "there",
-        adminName: `${admin.firstName} ${admin.lastName}`.trim() || "An administrator",
+        adminName:
+          `${admin.firstName} ${admin.lastName}`.trim() || "An administrator",
         postTitle: post.title,
         deletionReason,
         supportEmail,
@@ -420,7 +421,7 @@ class ForumEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "forumPostDeletionToAuthor",
-        variables
+        variables,
       );
 
       const subject = `Important: Your forum post "${post.title}" has been removed`;
@@ -428,20 +429,20 @@ class ForumEmailService {
       const result = await this.emailClient.sendEmail(
         postAuthor.email,
         subject,
-        htmlContent
+        htmlContent,
       );
 
       if (result.success) {
-        console.log(
-          `Forum post deletion notification email sent to ${postAuthor.email}`
+        logger.info(
+          `Forum post deletion notification email sent to ${postAuthor.email}`,
         );
       }
 
       return result;
     } catch (error) {
-      console.error(
+      logger.error(
         "Failed to send forum post deletion notification email:",
-        error
+        error,
       );
       return { success: false, error: error.message };
     }
@@ -461,19 +462,25 @@ class ForumEmailService {
    * @param {string} deletionReason - Reason for deletion
    * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
    */
-  async sendForumCommentDeletionNotification(commentAuthor, admin, post, deletionReason) {
+  async sendForumCommentDeletionNotification(
+    commentAuthor,
+    admin,
+    post,
+    deletionReason,
+  ) {
     if (!this.initialized) {
       await this.initialize();
     }
 
     try {
-      const supportEmail = process.env.SUPPORT_EMAIL;
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const supportEmail = process.env.CUSTOMER_SUPPORT_EMAIL;
+      const frontendUrl = process.env.FRONTEND_URL;
       const postUrl = `${frontendUrl}/forum/posts/${post.id}`;
 
       const variables = {
         commentAuthorName: commentAuthor.firstName || "there",
-        adminName: `${admin.firstName} ${admin.lastName}`.trim() || "An administrator",
+        adminName:
+          `${admin.firstName} ${admin.lastName}`.trim() || "An administrator",
         postTitle: post.title,
         postUrl,
         deletionReason,
@@ -482,7 +489,7 @@ class ForumEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "forumCommentDeletionToAuthor",
-        variables
+        variables,
       );
 
       const subject = `Your comment on "${post.title}" has been removed`;
@@ -490,20 +497,20 @@ class ForumEmailService {
       const result = await this.emailClient.sendEmail(
         commentAuthor.email,
         subject,
-        htmlContent
+        htmlContent,
       );
 
       if (result.success) {
-        console.log(
-          `Forum comment deletion notification email sent to ${commentAuthor.email}`
+        logger.info(
+          `Forum comment deletion notification email sent to ${commentAuthor.email}`,
         );
       }
 
       return result;
     } catch (error) {
-      console.error(
+      logger.error(
         "Failed to send forum comment deletion notification email:",
-        error
+        error,
       );
       return { success: false, error: error.message };
     }
@@ -530,7 +537,7 @@ class ForumEmailService {
     }
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const frontendUrl = process.env.FRONTEND_URL;
       const postUrl = `${frontendUrl}/forum/posts/${post.id}`;
 
       const variables = {
@@ -545,7 +552,7 @@ class ForumEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "forumItemRequestNotification",
-        variables
+        variables,
       );
 
       const subject = `Someone nearby is looking for: ${post.title}`;
@@ -553,18 +560,18 @@ class ForumEmailService {
       const result = await this.emailClient.sendEmail(
         recipient.email,
         subject,
-        htmlContent
+        htmlContent,
       );
 
       if (result.success) {
-        console.log(
-          `Item request notification email sent to ${recipient.email}`
+        logger.info(
+          `Item request notification email sent to ${recipient.email}`,
         );
       }
 
       return result;
     } catch (error) {
-      console.error("Failed to send item request notification email:", error);
+      logger.error("Failed to send item request notification email:", error);
       return { success: false, error: error.message };
     }
   }

backend/services/email/domain/MessagingEmailService.js

@@ -1,5 +1,6 @@
 const EmailClient = require("../core/EmailClient");
 const TemplateManager = require("../core/TemplateManager");
+const logger = require("../../../utils/logger");
 
 /**
  * MessagingEmailService handles all messaging-related email notifications
@@ -26,7 +27,7 @@ class MessagingEmailService {
     ]);
 
     this.initialized = true;
-    console.log("Messaging Email Service initialized successfully");
+    logger.info("Messaging Email Service initialized successfully");
   }
 
   /**
@@ -49,7 +50,7 @@ class MessagingEmailService {
     }
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const frontendUrl = process.env.FRONTEND_URL;
       const conversationUrl = `${frontendUrl}/messages/conversations/${sender.id}`;
 
       const timestamp = new Date(message.createdAt).toLocaleString("en-US", {
@@ -67,7 +68,7 @@ class MessagingEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "newMessageToUser",
-        variables
+        variables,
       );
 
       const subject = `New message from ${sender.firstName} ${sender.lastName}`;
@@ -75,18 +76,18 @@ class MessagingEmailService {
       const result = await this.emailClient.sendEmail(
         receiver.email,
         subject,
-        htmlContent
+        htmlContent,
       );
 
       if (result.success) {
-        console.log(
-          `Message notification email sent to ${receiver.email} from ${sender.firstName} ${sender.lastName}`
+        logger.info(
+          `Message notification email sent to ${receiver.email} from ${sender.firstName} ${sender.lastName}`,
         );
       }
 
       return result;
     } catch (error) {
-      console.error("Failed to send message notification email:", error);
+      logger.error("Failed to send message notification email:", error);
       return { success: false, error: error.message };
     }
   }

backend/services/email/domain/PaymentEmailService.js

@@ -0,0 +1,375 @@
+const EmailClient = require("../core/EmailClient");
+const TemplateManager = require("../core/TemplateManager");
+const { formatEmailDate } = require("../core/emailUtils");
+const logger = require("../../../utils/logger");
+
+/**
+ * PaymentEmailService handles payment-related emails
+ * This service is responsible for:
+ * - Sending payment declined notifications to renters
+ * - Sending payment method updated notifications to owners
+ */
+class PaymentEmailService {
+  constructor() {
+    this.emailClient = new EmailClient();
+    this.templateManager = new TemplateManager();
+    this.initialized = false;
+  }
+
+  /**
+   * Initialize the payment email service
+   * @returns {Promise<void>}
+   */
+  async initialize() {
+    if (this.initialized) return;
+
+    await Promise.all([
+      this.emailClient.initialize(),
+      this.templateManager.initialize(),
+    ]);
+
+    this.initialized = true;
+    logger.info("Payment Email Service initialized successfully");
+  }
+
+  /**
+   * Send payment declined notification to renter
+   * @param {string} renterEmail - Renter's email address
+   * @param {Object} params - Email parameters
+   * @param {string} params.renterFirstName - Renter's first name
+   * @param {string} params.itemName - Item name
+   * @param {string} params.declineReason - User-friendly decline reason
+   * @param {string} params.rentalId - Rental ID
+   * @param {string} params.updatePaymentUrl - URL to update payment method
+   * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
+   */
+  async sendPaymentDeclinedNotification(renterEmail, params) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    try {
+      const { renterFirstName, itemName, declineReason, updatePaymentUrl } =
+        params;
+
+      const variables = {
+        renterFirstName: renterFirstName || "there",
+        itemName: itemName || "the item",
+        declineReason: declineReason || "Your payment could not be processed.",
+        updatePaymentUrl: updatePaymentUrl,
+      };
+
+      const htmlContent = await this.templateManager.renderTemplate(
+        "paymentDeclinedToRenter",
+        variables,
+      );
+
+      return await this.emailClient.sendEmail(
+        renterEmail,
+        `Action Required: Payment Issue - ${itemName || "Your Rental"}`,
+        htmlContent,
+      );
+    } catch (error) {
+      logger.error("Failed to send payment declined notification", { error });
+      return { success: false, error: error.message };
+    }
+  }
+
+  /**
+   * Send payment method updated notification to owner
+   * @param {string} ownerEmail - Owner's email address
+   * @param {Object} params - Email parameters
+   * @param {string} params.ownerFirstName - Owner's first name
+   * @param {string} params.itemName - Item name
+   * @param {string} params.rentalId - Rental ID
+   * @param {string} params.approvalUrl - URL to approve the rental
+   * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
+   */
+  async sendPaymentMethodUpdatedNotification(ownerEmail, params) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    try {
+      const { ownerFirstName, itemName, approvalUrl } = params;
+
+      const variables = {
+        ownerFirstName: ownerFirstName || "there",
+        itemName: itemName || "the item",
+        approvalUrl: approvalUrl,
+      };
+
+      const htmlContent = await this.templateManager.renderTemplate(
+        "paymentMethodUpdatedToOwner",
+        variables,
+      );
+
+      return await this.emailClient.sendEmail(
+        ownerEmail,
+        `Payment Method Updated - ${itemName || "Your Item"}`,
+        htmlContent,
+      );
+    } catch (error) {
+      logger.error("Failed to send payment method updated notification", {
+        error,
+      });
+      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) {
+      logger.error("Failed to send payout failed notification", { error });
+      return { success: false, error: error.message };
+    }
+  }
+
+  /**
+   * Send notification when owner disconnects their Stripe account
+   * @param {string} ownerEmail - Owner's email address
+   * @param {Object} params - Email parameters
+   * @param {string} params.ownerName - Owner's name
+   * @param {boolean} params.hasPendingPayouts - Whether there are pending payouts
+   * @param {number} params.pendingPayoutCount - Number of pending payouts
+   * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
+   */
+  async sendAccountDisconnectedEmail(ownerEmail, params) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    try {
+      const { ownerName, hasPendingPayouts, pendingPayoutCount } = params;
+
+      const variables = {
+        ownerName: ownerName || "there",
+        hasPendingPayouts: hasPendingPayouts || false,
+        pendingPayoutCount: pendingPayoutCount || 0,
+        reconnectUrl: `${process.env.FRONTEND_URL}/settings/payouts`,
+      };
+
+      const htmlContent = await this.templateManager.renderTemplate(
+        "accountDisconnectedToOwner",
+        variables,
+      );
+
+      return await this.emailClient.sendEmail(
+        ownerEmail,
+        "Your payout account has been disconnected - Village Share",
+        htmlContent,
+      );
+    } catch (error) {
+      logger.error("Failed to send account disconnected email", { error });
+      return { success: false, error: error.message };
+    }
+  }
+
+  /**
+   * 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) {
+      logger.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
+   * @param {Object} disputeData - Dispute information
+   * @param {string} disputeData.rentalId - Rental ID
+   * @param {number} disputeData.amount - Disputed amount in dollars
+   * @param {string} disputeData.reason - Stripe dispute reason code
+   * @param {Date} disputeData.evidenceDueBy - Evidence submission deadline
+   * @param {string} disputeData.renterEmail - Renter's email
+   * @param {string} disputeData.renterName - Renter's name
+   * @param {string} disputeData.ownerEmail - Owner's email
+   * @param {string} disputeData.ownerName - Owner's name
+   * @param {string} disputeData.itemName - Item name
+   * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
+   */
+  async sendDisputeAlertEmail(disputeData) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    try {
+      const variables = {
+        rentalId: disputeData.rentalId,
+        itemName: disputeData.itemName || "Unknown Item",
+        amount: disputeData.amount.toFixed(2),
+        reason: this.formatDisputeReason(disputeData.reason),
+        evidenceDueBy: formatEmailDate(disputeData.evidenceDueBy),
+        renterName: disputeData.renterName || "Unknown",
+        renterEmail: disputeData.renterEmail || "Unknown",
+        ownerName: disputeData.ownerName || "Unknown",
+        ownerEmail: disputeData.ownerEmail || "Unknown",
+      };
+
+      const htmlContent = await this.templateManager.renderTemplate(
+        "disputeAlertToAdmin",
+        variables,
+      );
+
+      // Send to admin email (configure in env)
+      const adminEmail = process.env.CUSTOMER_SUPPORT_EMAIL;
+
+      return await this.emailClient.sendEmail(
+        adminEmail,
+        `URGENT: Payment Dispute - Rental #${disputeData.rentalId}`,
+        htmlContent,
+      );
+    } catch (error) {
+      logger.error("Failed to send dispute alert email", { error });
+      return { success: false, error: error.message };
+    }
+  }
+
+  /**
+   * Send alert when dispute is lost and owner was already paid
+   * Flags for manual review to decide on potential clawback
+   * @param {Object} disputeData - Dispute information
+   * @param {string} disputeData.rentalId - Rental ID
+   * @param {number} disputeData.amount - Lost dispute amount in dollars
+   * @param {number} disputeData.ownerPayoutAmount - Amount already paid to owner
+   * @param {string} disputeData.ownerEmail - Owner's email
+   * @param {string} disputeData.ownerName - Owner's name
+   * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
+   */
+  async sendDisputeLostAlertEmail(disputeData) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    try {
+      const variables = {
+        rentalId: disputeData.rentalId,
+        amount: disputeData.amount.toFixed(2),
+        ownerPayoutAmount: parseFloat(
+          disputeData.ownerPayoutAmount || 0,
+        ).toFixed(2),
+        ownerName: disputeData.ownerName || "Unknown",
+        ownerEmail: disputeData.ownerEmail || "Unknown",
+      };
+
+      const htmlContent = await this.templateManager.renderTemplate(
+        "disputeLostAlertToAdmin",
+        variables,
+      );
+
+      const adminEmail = process.env.CUSTOMER_SUPPORT_EMAIL;
+
+      return await this.emailClient.sendEmail(
+        adminEmail,
+        `ACTION REQUIRED: Dispute Lost - Owner Already Paid - Rental #${disputeData.rentalId}`,
+        htmlContent,
+      );
+    } catch (error) {
+      logger.error("Failed to send dispute lost alert email", { error });
+      return { success: false, error: error.message };
+    }
+  }
+
+  /**
+   * Format Stripe dispute reason codes to human-readable text
+   * @param {string} reason - Stripe dispute reason code
+   * @returns {string} Human-readable reason
+   */
+  formatDisputeReason(reason) {
+    const reasonMap = {
+      duplicate: "Duplicate charge",
+      fraudulent: "Fraudulent transaction",
+      subscription_canceled: "Subscription canceled",
+      product_unacceptable: "Product unacceptable",
+      product_not_received: "Product not received",
+      unrecognized: "Unrecognized charge",
+      credit_not_processed: "Credit not processed",
+      general: "General dispute",
+    };
+    return reasonMap[reason] || reason || "Unknown reason";
+  }
+}
+
+module.exports = PaymentEmailService;

backend/services/email/domain/RentalFlowEmailService.js

@@ -1,5 +1,6 @@
 const EmailClient = require("../core/EmailClient");
 const TemplateManager = require("../core/TemplateManager");
+const logger = require("../../../utils/logger");
 
 /**
  * RentalFlowEmailService handles rental lifecycle flow emails
@@ -33,7 +34,7 @@ class RentalFlowEmailService {
     ]);
 
     this.initialized = true;
-    console.log("Rental Flow Email Service initialized successfully");
+    logger.info("Rental Flow Email Service initialized successfully");
   }
 
   /**
@@ -61,12 +62,13 @@ class RentalFlowEmailService {
     }
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const frontendUrl = process.env.FRONTEND_URL;
       const approveUrl = `${frontendUrl}/owning?rentalId=${rental.id}`;
 
       const variables = {
         ownerName: owner.firstName,
-        renterName: `${renter.firstName} ${renter.lastName}`.trim() || "A renter",
+        renterName:
+          `${renter.firstName} ${renter.lastName}`.trim() || "A renter",
         itemName: rental.item?.name || "your item",
         startDate: rental.startDateTime
           ? new Date(rental.startDateTime).toLocaleString("en-US", {
@@ -93,16 +95,16 @@ class RentalFlowEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "rentalRequestToOwner",
-        variables
+        variables,
       );
 
       return await this.emailClient.sendEmail(
         owner.email,
         `Rental Request for ${rental.item?.name || "Your Item"}`,
-        htmlContent
+        htmlContent,
       );
     } catch (error) {
-      console.error("Failed to send rental request email:", error);
+      logger.error("Failed to send rental request email", { error });
       return { success: false, error: error.message };
     }
   }
@@ -127,7 +129,7 @@ class RentalFlowEmailService {
     }
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const frontendUrl = process.env.FRONTEND_URL;
       const viewRentalsUrl = `${frontendUrl}/renting`;
 
       // Determine payment message based on rental amount
@@ -160,16 +162,18 @@ class RentalFlowEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "rentalRequestConfirmationToRenter",
-        variables
+        variables,
       );
 
       return await this.emailClient.sendEmail(
         renter.email,
         `Rental Request Submitted - ${rental.item?.name || "Item"}`,
-        htmlContent
+        htmlContent,
       );
     } catch (error) {
-      console.error("Failed to send rental request confirmation email:", error);
+      logger.error("Failed to send rental request confirmation email", {
+        error,
+      });
       return { success: false, error: error.message };
     }
   }
@@ -201,7 +205,7 @@ class RentalFlowEmailService {
     }
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const frontendUrl = process.env.FRONTEND_URL;
 
       // Determine if Stripe setup is needed
       const hasStripeAccount = !!owner.stripeConnectedAccountId;
@@ -226,15 +230,15 @@ class RentalFlowEmailService {
             <table class="info-table">
                 <tr>
                     <th>Total Rental Amount</th>
-                    <td>\\$${totalAmount.toFixed(2)}</td>
+                    <td>$${totalAmount.toFixed(2)}</td>
                 </tr>
                 <tr>
                     <th>Community Upkeep Fee (10%)</th>
-                    <td>-\\$${platformFee.toFixed(2)}</td>
+                    <td>-$${platformFee.toFixed(2)}</td>
                 </tr>
                 <tr>
                     <th>Your Payout</th>
-                    <td class="highlight">\\$${payoutAmount.toFixed(2)}</td>
+                    <td class="highlight">$${payoutAmount.toFixed(2)}</td>
                 </tr>
             </table>
       `;
@@ -247,8 +251,8 @@ class RentalFlowEmailService {
         stripeSection = `
             <div class="warning-box">
                 <p><strong>⚠️ Action Required: Set Up Your Earnings Account</strong></p>
-                <p>To receive your payout of <strong>\\$${payoutAmount.toFixed(
-                  2
+                <p>To receive your payout of <strong>$${payoutAmount.toFixed(
+                  2,
                 )}</strong> when this rental completes, you need to set up your earnings account.</p>
             </div>
             <h2>Set Up Earnings to Get Paid</h2>
@@ -258,7 +262,7 @@ class RentalFlowEmailService {
                     <li><strong>Automatic payouts</strong> when rentals complete</li>
                     <li><strong>Secure transfers</strong> directly to your bank account</li>
                     <li><strong>Track all earnings</strong> in one dashboard</li>
-                    <li><strong>Fast deposits</strong> (typically 2-3 business days)</li>
+                    <li><strong>Fast deposits</strong> (typically 2-7 business days)</li>
                 </ul>
                 <p>Setup only takes about 5 minutes and you only need to do it once.</p>
             </div>
@@ -273,8 +277,8 @@ class RentalFlowEmailService {
         stripeSection = `
             <div class="success-box">
                 <p><strong>✓ Earnings Account Active</strong></p>
-                <p>Your earnings account is set up. You'll automatically receive \\$${payoutAmount.toFixed(
-                  2
+                <p>Your earnings account is set up. You'll automatically receive $${payoutAmount.toFixed(
+                  2,
                 )} when this rental completes.</p>
                 <p><a href="${frontendUrl}/earnings" style="color: #155724; text-decoration: underline;">View your earnings dashboard →</a></p>
             </div>
@@ -311,7 +315,7 @@ class RentalFlowEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "rentalApprovalConfirmationToOwner",
-        variables
+        variables,
       );
 
       const subject = `Rental Approved - ${rental.item?.name || "Your Item"}`;
@@ -319,10 +323,12 @@ class RentalFlowEmailService {
       return await this.emailClient.sendEmail(
         owner.email,
         subject,
-        htmlContent
+        htmlContent,
       );
     } catch (error) {
-      console.error("Failed to send rental approval confirmation email:", error);
+      logger.error("Failed to send rental approval confirmation email", {
+        error,
+      });
       return { success: false, error: error.message };
     }
   }
@@ -349,7 +355,7 @@ class RentalFlowEmailService {
     }
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const frontendUrl = process.env.FRONTEND_URL;
       const browseItemsUrl = `${frontendUrl}/`;
 
       // Determine payment message based on rental amount
@@ -396,16 +402,16 @@ class RentalFlowEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "rentalDeclinedToRenter",
-        variables
+        variables,
       );
 
       return await this.emailClient.sendEmail(
         renter.email,
         `Rental Request Declined - ${rental.item?.name || "Item"}`,
-        htmlContent
+        htmlContent,
       );
     } catch (error) {
-      console.error("Failed to send rental declined email:", error);
+      logger.error("Failed to send rental declined email", { error });
       return { success: false, error: error.message };
     }
   }
@@ -436,7 +442,7 @@ class RentalFlowEmailService {
     notification,
     rental,
     recipientName = null,
-    isRenter = false
+    isRenter = false,
   ) {
     if (!this.initialized) {
       await this.initialize();
@@ -531,7 +537,7 @@ class RentalFlowEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "rentalConfirmationToUser",
-        variables
+        variables,
       );
 
       // Use clear, transactional subject line with item name
@@ -539,7 +545,7 @@ class RentalFlowEmailService {
 
       return await this.emailClient.sendEmail(userEmail, subject, htmlContent);
     } catch (error) {
-      console.error("Failed to send rental confirmation:", error);
+      logger.error("Failed to send rental confirmation", { error });
       return { success: false, error: error.message };
     }
   }
@@ -600,24 +606,24 @@ class RentalFlowEmailService {
             ownerNotification,
             rental,
             owner.firstName,
-            false // isRenter = false for owner
+            false, // isRenter = false for owner
           );
           if (ownerResult.success) {
-            console.log(
-              `Rental confirmation email sent to owner: ${owner.email}`
-            );
+            logger.info("Rental confirmation email sent to owner", {
+              email: owner.email,
+            });
             results.ownerEmailSent = true;
           } else {
-            console.error(
-              `Failed to send rental confirmation email to owner (${owner.email}):`,
-              ownerResult.error
-            );
+            logger.error("Failed to send rental confirmation email to owner", {
+              email: owner.email,
+              error: ownerResult.error,
+            });
           }
         } catch (error) {
-          console.error(
-            `Failed to send rental confirmation email to owner (${owner.email}):`,
-            error.message
-          );
+          logger.error("Failed to send rental confirmation email to owner", {
+            email: owner.email,
+            error,
+          });
         }
       }
 
@@ -629,31 +635,30 @@ class RentalFlowEmailService {
             renterNotification,
             rental,
             renter.firstName,
-            true // isRenter = true for renter (enables payment receipt)
+            true, // isRenter = true for renter (enables payment receipt)
           );
           if (renterResult.success) {
-            console.log(
-              `Rental confirmation email sent to renter: ${renter.email}`
-            );
+            logger.info("Rental confirmation email sent to renter", {
+              email: renter.email,
+            });
             results.renterEmailSent = true;
           } else {
-            console.error(
-              `Failed to send rental confirmation email to renter (${renter.email}):`,
-              renterResult.error
-            );
+            logger.error("Failed to send rental confirmation email to renter", {
+              email: renter.email,
+              error: renterResult.error,
+            });
           }
         } catch (error) {
-          console.error(
-            `Failed to send rental confirmation email to renter (${renter.email}):`,
-            error.message
-          );
+          logger.error("Failed to send rental confirmation email to renter", {
+            email: renter.email,
+            error,
+          });
         }
       }
     } catch (error) {
-      console.error(
-        "Error fetching user data for rental confirmation emails:",
-        error
-      );
+      logger.error("Error fetching user data for rental confirmation emails", {
+        error,
+      });
     }
 
     return results;
@@ -692,7 +697,7 @@ class RentalFlowEmailService {
     };
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const frontendUrl = process.env.FRONTEND_URL;
       const browseUrl = `${frontendUrl}/`;
 
       const cancelledBy = rental.cancelledBy;
@@ -736,7 +741,7 @@ class RentalFlowEmailService {
             <div class="info-box">
               <p><strong>Full Refund Processed</strong></p>
               <p>You will receive a full refund of $${refundInfo.amount.toFixed(
-                2
+                2,
               )}. The refund will appear in your account within 5-10 business days.</p>
             </div>
             <div style="text-align: center">
@@ -779,7 +784,7 @@ class RentalFlowEmailService {
             <div class="refund-amount">$${refundInfo.amount.toFixed(2)}</div>
             <div class="info-box">
               <p><strong>Refund Amount:</strong> $${refundInfo.amount.toFixed(
-                2
+                2,
               )} (${refundPercentage}% of total)</p>
               <p><strong>Reason:</strong> ${refundInfo.reason}</p>
               <p><strong>Processing Time:</strong> Refunds typically appear within 5-10 business days.</p>
@@ -809,26 +814,27 @@ class RentalFlowEmailService {
 
         const confirmationHtml = await this.templateManager.renderTemplate(
           "rentalCancellationConfirmationToUser",
-          confirmationVariables
+          confirmationVariables,
         );
 
         const confirmationResult = await this.emailClient.sendEmail(
           confirmationRecipient,
           `Cancellation Confirmed - ${itemName}`,
-          confirmationHtml
+          confirmationHtml,
         );
 
         if (confirmationResult.success) {
-          console.log(
-            `Cancellation confirmation email sent to ${cancelledBy}: ${confirmationRecipient}`
-          );
+          logger.info("Cancellation confirmation email sent", {
+            cancelledBy,
+            email: confirmationRecipient,
+          });
           results.confirmationEmailSent = true;
         }
       } catch (error) {
-        console.error(
-          `Failed to send cancellation confirmation email to ${cancelledBy}:`,
-          error.message
-        );
+        logger.error("Failed to send cancellation confirmation email", {
+          cancelledBy,
+          error,
+        });
       }
 
       // Send notification email to other party
@@ -845,31 +851,29 @@ class RentalFlowEmailService {
 
         const notificationHtml = await this.templateManager.renderTemplate(
           "rentalCancellationNotificationToUser",
-          notificationVariables
+          notificationVariables,
         );
 
         const notificationResult = await this.emailClient.sendEmail(
           notificationRecipient,
           `Rental Cancelled - ${itemName}`,
-          notificationHtml
+          notificationHtml,
         );
 
         if (notificationResult.success) {
-          console.log(
-            `Cancellation notification email sent to ${
-              cancelledBy === "owner" ? "renter" : "owner"
-            }: ${notificationRecipient}`
-          );
+          logger.info("Cancellation notification email sent", {
+            recipientType: cancelledBy === "owner" ? "renter" : "owner",
+            email: notificationRecipient,
+          });
           results.notificationEmailSent = true;
         }
       } catch (error) {
-        console.error(
-          `Failed to send cancellation notification email:`,
-          error.message
-        );
+        logger.error("Failed to send cancellation notification email", {
+          error,
+        });
       }
     } catch (error) {
-      console.error("Error sending cancellation emails:", error);
+      logger.error("Error sending cancellation emails", { error });
     }
 
     return results;
@@ -904,7 +908,7 @@ class RentalFlowEmailService {
       await this.initialize();
     }
 
-    const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+    const frontendUrl = process.env.FRONTEND_URL;
     const results = {
       renterEmailSent: false,
       ownerEmailSent: false,
@@ -976,31 +980,33 @@ class RentalFlowEmailService {
 
         const renterHtmlContent = await this.templateManager.renderTemplate(
           "rentalCompletionThankYouToRenter",
-          renterVariables
+          renterVariables,
         );
 
         const renterResult = await this.emailClient.sendEmail(
           renter.email,
           `Thank You for Returning "${rental.item?.name || "Item"}" On Time!`,
-          renterHtmlContent
+          renterHtmlContent,
         );
 
         if (renterResult.success) {
-          console.log(
-            `Rental completion thank you email sent to renter: ${renter.email}`
-          );
+          logger.info("Rental completion thank you email sent to renter", {
+            email: renter.email,
+          });
           results.renterEmailSent = true;
         } else {
-          console.error(
-            `Failed to send rental completion email to renter (${renter.email}):`,
-            renterResult.error
-          );
+          logger.error("Failed to send rental completion email to renter", {
+            email: renter.email,
+            error: renterResult.error,
+          });
         }
       } catch (emailError) {
-        console.error(
-          `Failed to send rental completion email to renter (${renter.email}):`,
-          emailError.message
-        );
+        logger.error("Failed to send rental completion email to renter", {
+          error: emailError.message,
+          stack: emailError.stack,
+          renterEmail: renter.email,
+          rentalId: rental.id,
+        });
       }
 
       // Prepare owner email
@@ -1018,19 +1024,19 @@ class RentalFlowEmailService {
             <table class="info-table">
                 <tr>
                     <th>Total Rental Amount</th>
-                    <td>\\$${totalAmount.toFixed(2)}</td>
+                    <td>$${totalAmount.toFixed(2)}</td>
                 </tr>
                 <tr>
                     <th>Community Upkeep Fee (10%)</th>
-                    <td>-\\$${platformFee.toFixed(2)}</td>
+                    <td>-$${platformFee.toFixed(2)}</td>
                 </tr>
                 <tr>
                     <th>Your Payout</th>
-                    <td class="highlight">\\$${payoutAmount.toFixed(2)}</td>
+                    <td class="highlight">$${payoutAmount.toFixed(2)}</td>
                 </tr>
             </table>
             <p style="font-size: 14px; color: #6c757d;">
-                Your earnings will be automatically transferred to your account when the rental period ends and any dispute windows close.
+                Your earnings are transferred immediately when the rental is marked complete. Funds typically reach your bank within 2-7 business days.
             </p>
         `;
       }
@@ -1042,8 +1048,8 @@ class RentalFlowEmailService {
         stripeSection = `
             <div class="warning-box">
                 <p><strong>⚠️ Action Required: Set Up Your Earnings Account</strong></p>
-                <p>To receive your payout of <strong>\\$${payoutAmount.toFixed(
-                  2
+                <p>To receive your payout of <strong>$${payoutAmount.toFixed(
+                  2,
                 )}</strong>, you need to set up your earnings account.</p>
             </div>
             <h2>Set Up Earnings to Get Paid</h2>
@@ -1053,7 +1059,7 @@ class RentalFlowEmailService {
                     <li><strong>Automatic payouts</strong> when the rental period ends</li>
                     <li><strong>Secure transfers</strong> directly to your bank account</li>
                     <li><strong>Track all earnings</strong> in one dashboard</li>
-                    <li><strong>Fast deposits</strong> (typically 2-3 business days)</li>
+                    <li><strong>Fast deposits</strong> (typically 2-7 business days)</li>
                 </ul>
                 <p>Setup only takes about 5 minutes and you only need to do it once.</p>
             </div>
@@ -1067,10 +1073,11 @@ class RentalFlowEmailService {
       } else if (hasStripeAccount && isPaidRental) {
         stripeSection = `
             <div class="success-box">
-                <p><strong>✓ Earnings Account Active</strong></p>
-                <p>Your earnings account is set up. You'll automatically receive \\$${payoutAmount.toFixed(
-                  2
-                )} when the rental period ends.</p>
+                <p><strong>✓ Payout Initiated</strong></p>
+                <p>Your earnings of <strong>$${payoutAmount.toFixed(
+                  2,
+                )}</strong> have been transferred to your Stripe account.</p>
+                <p style="font-size: 14px; margin-top: 10px;">Funds typically reach your bank within 2-7 business days.</p>
                 <p><a href="${frontendUrl}/earnings" style="color: #155724; text-decoration: underline;">View your earnings dashboard →</a></p>
             </div>
         `;
@@ -1093,34 +1100,40 @@ class RentalFlowEmailService {
 
         const ownerHtmlContent = await this.templateManager.renderTemplate(
           "rentalCompletionCongratsToOwner",
-          ownerVariables
+          ownerVariables,
         );
 
         const ownerResult = await this.emailClient.sendEmail(
           owner.email,
           `Rental Complete - ${rental.item?.name || "Your Item"}`,
-          ownerHtmlContent
+          ownerHtmlContent,
         );
 
         if (ownerResult.success) {
-          console.log(
-            `Rental completion congratulations email sent to owner: ${owner.email}`
-          );
+          logger.info("Rental completion congratulations email sent to owner", {
+            email: owner.email,
+          });
           results.ownerEmailSent = true;
         } else {
-          console.error(
-            `Failed to send rental completion email to owner (${owner.email}):`,
-            ownerResult.error
-          );
+          logger.error("Failed to send rental completion email to owner", {
+            email: owner.email,
+            error: ownerResult.error,
+          });
         }
       } catch (emailError) {
-        console.error(
-          `Failed to send rental completion email to owner (${owner.email}):`,
-          emailError.message
-        );
+        logger.error("Failed to send rental completion email to owner", {
+          error: emailError.message,
+          stack: emailError.stack,
+          ownerEmail: owner.email,
+          rentalId: rental.id,
+        });
       }
     } catch (error) {
-      console.error("Error sending rental completion emails:", error);
+      logger.error("Error sending rental completion emails", {
+        error: error.message,
+        stack: error.stack,
+        rentalId: rental?.id,
+      });
     }
 
     return results;
@@ -1148,7 +1161,7 @@ class RentalFlowEmailService {
     }
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const frontendUrl = process.env.FRONTEND_URL;
       const earningsDashboardUrl = `${frontendUrl}/earnings`;
 
       // Format currency values
@@ -1180,7 +1193,7 @@ class RentalFlowEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "payoutReceivedToOwner",
-        variables
+        variables,
       );
 
       return await this.emailClient.sendEmail(
@@ -1188,10 +1201,54 @@ class RentalFlowEmailService {
         `Earnings Received - $${payoutAmount.toFixed(2)} for ${
           rental.item?.name || "Your Item"
         }`,
-        htmlContent
+        htmlContent,
       );
     } catch (error) {
-      console.error("Failed to send payout received email:", error);
+      logger.error("Failed to send payout received email", { error });
+      return { success: false, error: error.message };
+    }
+  }
+
+  /**
+   * Send authentication required email to renter when 3DS verification is needed
+   * This is sent when the owner approves a rental but the renter's bank requires
+   * additional verification (3D Secure) to complete the payment.
+   *
+   * @param {string} email - Renter's email address
+   * @param {Object} data - Email data
+   * @param {string} data.renterName - Renter's first name
+   * @param {string} data.itemName - Name of the item being rented
+   * @param {string} data.ownerName - Owner's first name
+   * @param {number} data.amount - Total rental amount
+   * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
+   */
+  async sendAuthenticationRequiredEmail(email, data) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    try {
+      const { renterName, itemName, ownerName, amount } = data;
+
+      const variables = {
+        renterName: renterName || "there",
+        itemName: itemName || "the item",
+        ownerName: ownerName || "The owner",
+        amount: typeof amount === "number" ? amount.toFixed(2) : "0.00",
+      };
+
+      const htmlContent = await this.templateManager.renderTemplate(
+        "authenticationRequiredToRenter",
+        variables,
+      );
+
+      return await this.emailClient.sendEmail(
+        email,
+        `Action Required: Complete payment for ${itemName}`,
+        htmlContent,
+      );
+    } catch (error) {
+      logger.error("Failed to send authentication required email", { error });
       return { success: false, error: error.message };
     }
   }

backend/services/email/domain/RentalReminderEmailService.js

@@ -1,5 +1,6 @@
 const EmailClient = require("../core/EmailClient");
 const TemplateManager = require("../core/TemplateManager");
+const logger = require("../../../utils/logger");
 
 /**
  * RentalReminderEmailService handles rental reminder emails
@@ -26,7 +27,7 @@ class RentalReminderEmailService {
     ]);
 
     this.initialized = true;
-    console.log("Rental Reminder Email Service initialized successfully");
+    logger.info("Rental Reminder Email Service initialized successfully");
   }
 
   /**
@@ -68,7 +69,7 @@ class RentalReminderEmailService {
         htmlContent
       );
     } catch (error) {
-      console.error("Failed to send condition check reminder:", error);
+      logger.error("Failed to send condition check reminder:", error);
       return { success: false, error: error.message };
     }
   }

backend/services/email/domain/UserEngagementEmailService.js

@@ -1,5 +1,6 @@
 const EmailClient = require("../core/EmailClient");
 const TemplateManager = require("../core/TemplateManager");
+const logger = require("../../../utils/logger");
 
 /**
  * UserEngagementEmailService handles user engagement emails
@@ -27,7 +28,7 @@ class UserEngagementEmailService {
     ]);
 
     this.initialized = true;
-    console.log("User Engagement Email Service initialized successfully");
+    logger.info("User Engagement Email Service initialized successfully");
   }
 
   /**
@@ -46,7 +47,7 @@ class UserEngagementEmailService {
     }
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
+      const frontendUrl = process.env.FRONTEND_URL;
 
       const variables = {
         ownerName: owner.firstName || "there",
@@ -57,7 +58,7 @@ class UserEngagementEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "firstListingCelebrationToOwner",
-        variables
+        variables,
       );
 
       const subject = `Congratulations! Your first item is live on Village Share`;
@@ -65,10 +66,10 @@ class UserEngagementEmailService {
       return await this.emailClient.sendEmail(
         owner.email,
         subject,
-        htmlContent
+        htmlContent,
       );
     } catch (error) {
-      console.error("Failed to send first listing celebration email:", error);
+      logger.error("Failed to send first listing celebration email", { error });
       return { success: false, error: error.message };
     }
   }
@@ -90,8 +91,8 @@ class UserEngagementEmailService {
     }
 
     try {
-      const frontendUrl = process.env.FRONTEND_URL || "http://localhost:3000";
-      const supportEmail = process.env.SUPPORT_EMAIL;
+      const frontendUrl = process.env.FRONTEND_URL;
+      const supportEmail = process.env.CUSTOMER_SUPPORT_EMAIL;
 
       const variables = {
         ownerName: owner.firstName || "there",
@@ -103,7 +104,7 @@ class UserEngagementEmailService {
 
       const htmlContent = await this.templateManager.renderTemplate(
         "itemDeletionToOwner",
-        variables
+        variables,
       );
 
       const subject = `Important: Your listing "${item.name}" has been removed`;
@@ -111,10 +112,64 @@ class UserEngagementEmailService {
       return await this.emailClient.sendEmail(
         owner.email,
         subject,
-        htmlContent
+        htmlContent,
       );
     } catch (error) {
-      console.error("Failed to send item deletion notification email:", error);
+      logger.error("Failed to send item deletion notification email", {
+        error,
+      });
+      return { success: false, error: error.message };
+    }
+  }
+
+  /**
+   * Send notification when a user's account is banned
+   * @param {Object} bannedUser - User who was banned
+   * @param {string} bannedUser.firstName - Banned user's first name
+   * @param {string} bannedUser.email - Banned user's email
+   * @param {Object} admin - Admin who performed the ban
+   * @param {string} admin.firstName - Admin's first name
+   * @param {string} admin.lastName - Admin's last name
+   * @param {string} banReason - Reason for the ban
+   * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
+   */
+  async sendUserBannedNotification(bannedUser, admin, banReason) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    try {
+      const supportEmail = process.env.CUSTOMER_SUPPORT_EMAIL;
+
+      const variables = {
+        userName: bannedUser.firstName || "there",
+        banReason: banReason,
+        supportEmail: supportEmail,
+      };
+
+      const htmlContent = await this.templateManager.renderTemplate(
+        "userBannedNotification",
+        variables,
+      );
+
+      const subject =
+        "Important: Your Village Share Account Has Been Suspended";
+
+      const result = await this.emailClient.sendEmail(
+        bannedUser.email,
+        subject,
+        htmlContent,
+      );
+
+      if (result.success) {
+        logger.info("User banned notification email sent", {
+          email: bannedUser.email,
+        });
+      }
+
+      return result;
+    } catch (error) {
+      logger.error("Failed to send user banned notification email", { error });
       return { success: false, error: error.message };
     }
   }

backend/services/email/index.js

@@ -7,6 +7,7 @@ const RentalFlowEmailService = require("./domain/RentalFlowEmailService");
 const RentalReminderEmailService = require("./domain/RentalReminderEmailService");
 const UserEngagementEmailService = require("./domain/UserEngagementEmailService");
 const AlphaInvitationEmailService = require("./domain/AlphaInvitationEmailService");
+const PaymentEmailService = require("./domain/PaymentEmailService");
 
 /**
  * EmailServices aggregates all domain-specific email services
@@ -24,6 +25,7 @@ class EmailServices {
     this.rentalReminder = new RentalReminderEmailService();
     this.userEngagement = new UserEngagementEmailService();
     this.alphaInvitation = new AlphaInvitationEmailService();
+    this.payment = new PaymentEmailService();
 
     this.initialized = false;
   }
@@ -45,6 +47,7 @@ class EmailServices {
       this.rentalReminder.initialize(),
       this.userEngagement.initialize(),
       this.alphaInvitation.initialize(),
+      this.payment.initialize(),
     ]);
 
     this.initialized = true;

backend/services/eventBridgeSchedulerService.js

@@ -0,0 +1,292 @@
+const {
+  SchedulerClient,
+  CreateScheduleCommand,
+  DeleteScheduleCommand,
+} = require("@aws-sdk/client-scheduler");
+const { getAWSConfig } = require("../config/aws");
+const logger = require("../utils/logger");
+
+/**
+ * Service for managing EventBridge Scheduler schedules for condition check reminders.
+ *
+ * Creates one-time schedules when a rental is confirmed:
+ * - pre_rental_owner: 24 hours before rental start
+ * - rental_start_renter: At rental start
+ * - rental_end_renter: At rental end
+ * - post_rental_owner: 24 hours after rental end
+ */
+class EventBridgeSchedulerService {
+  constructor() {
+    if (EventBridgeSchedulerService.instance) {
+      return EventBridgeSchedulerService.instance;
+    }
+
+    this.client = null;
+    this.initialized = false;
+    // Only enable when explicitly set - allows deploying code without activating the feature
+    this.conditionCheckRemindersEnabled =
+      process.env.CONDITION_CHECK_REMINDERS_ENABLED === "true";
+
+    EventBridgeSchedulerService.instance = this;
+  }
+
+  /**
+   * Initialize the EventBridge Scheduler client.
+   */
+  async initialize() {
+    if (this.initialized) return;
+
+    try {
+      const awsConfig = getAWSConfig();
+      this.client = new SchedulerClient(awsConfig);
+      this.initialized = true;
+      logger.info("EventBridge Scheduler Service initialized");
+    } catch (error) {
+      logger.error("Failed to initialize EventBridge Scheduler Service", {
+        error,
+      });
+      throw error;
+    }
+  }
+
+  /**
+   * Get configuration from environment.
+   */
+  getConfig() {
+    return {
+      groupName:
+        process.env.SCHEDULER_GROUP_NAME || "condition-check-reminders",
+      lambdaArn: process.env.LAMBDA_CONDITION_CHECK_ARN,
+      schedulerRoleArn: process.env.SCHEDULER_ROLE_ARN,
+    };
+  }
+
+  /**
+   * Create schedule name for a rental and check type.
+   */
+  getScheduleName(rentalId, checkType) {
+    return `rental-${rentalId}-${checkType}`;
+  }
+
+  /**
+   * Calculate schedule times for all 4 check types.
+   */
+  getScheduleTimes(rental) {
+    const startDate = new Date(rental.startDateTime);
+    const endDate = new Date(rental.endDateTime);
+
+    return {
+      pre_rental_owner: new Date(startDate.getTime() - 24 * 60 * 60 * 1000),
+      rental_start_renter: startDate,
+      rental_end_renter: endDate,
+      post_rental_owner: new Date(endDate.getTime() + 24 * 60 * 60 * 1000),
+    };
+  }
+
+  /**
+   * Create a single EventBridge schedule.
+   */
+  async createSchedule(name, scheduleTime, payload) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    const config = this.getConfig();
+
+    if (!config.lambdaArn) {
+      logger.warn("Lambda ARN not configured, skipping schedule creation", {
+        name,
+      });
+      return null;
+    }
+
+    // Don't create schedules for times in the past
+    if (scheduleTime <= new Date()) {
+      logger.info("Schedule time is in the past, skipping", {
+        name,
+        scheduleTime,
+      });
+      return null;
+    }
+
+    try {
+      const command = new CreateScheduleCommand({
+        Name: name,
+        GroupName: config.groupName,
+        ScheduleExpression: `at(${scheduleTime.toISOString().replace(".000Z", "")})`,
+        ScheduleExpressionTimezone: "UTC",
+        FlexibleTimeWindow: {
+          Mode: "OFF",
+        },
+        Target: {
+          Arn: config.lambdaArn,
+          RoleArn: config.schedulerRoleArn,
+          Input: JSON.stringify({
+            ...payload,
+            scheduleName: name,
+          }),
+        },
+        ActionAfterCompletion: "DELETE", // Auto-delete after execution
+      });
+
+      const result = await this.client.send(command);
+
+      logger.info("Created EventBridge schedule", {
+        name,
+        scheduleTime,
+        scheduleArn: result.ScheduleArn,
+      });
+
+      return result.ScheduleArn;
+    } catch (error) {
+      // If schedule already exists, that's okay
+      if (error.name === "ConflictException") {
+        logger.info("Schedule already exists", { name });
+        return name;
+      }
+
+      logger.error("Failed to create EventBridge schedule", {
+        name,
+        error: error.message,
+      });
+      throw error;
+    }
+  }
+
+  /**
+   * Delete a single EventBridge schedule.
+   */
+  async deleteSchedule(name) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    const config = this.getConfig();
+
+    try {
+      const command = new DeleteScheduleCommand({
+        Name: name,
+        GroupName: config.groupName,
+      });
+
+      await this.client.send(command);
+
+      logger.info("Deleted EventBridge schedule", { name });
+      return true;
+    } catch (error) {
+      // If schedule doesn't exist, that's okay
+      if (error.name === "ResourceNotFoundException") {
+        logger.info("Schedule not found (already deleted)", { name });
+        return true;
+      }
+
+      logger.error("Failed to delete EventBridge schedule", {
+        name,
+        error: error.message,
+      });
+      throw error;
+    }
+  }
+
+  /**
+   * Create all 4 condition check schedules for a rental.
+   * Call this after a rental is confirmed.
+   */
+  async createConditionCheckSchedules(rental) {
+    if (!this.conditionCheckRemindersEnabled) {
+      logger.debug(
+        "EventBridge Scheduler disabled, skipping schedule creation"
+      );
+      return null;
+    }
+
+    logger.info("Creating condition check schedules for rental", {
+      rentalId: rental.id,
+    });
+
+    const scheduleTimes = this.getScheduleTimes(rental);
+    let schedulesCreated = 0;
+
+    const checkTypes = [
+      "pre_rental_owner",
+      "rental_start_renter",
+      "rental_end_renter",
+      "post_rental_owner",
+    ];
+
+    for (const checkType of checkTypes) {
+      const name = this.getScheduleName(rental.id, checkType);
+      const scheduleTime = scheduleTimes[checkType];
+
+      try {
+        const arn = await this.createSchedule(name, scheduleTime, {
+          rentalId: rental.id,
+          checkType,
+          scheduledFor: scheduleTime.toISOString(),
+        });
+
+        if (arn) {
+          schedulesCreated++;
+        }
+      } catch (error) {
+        logger.error("Failed to create schedule, continuing with others", {
+          rentalId: rental.id,
+          checkType,
+          error: error.message,
+        });
+      }
+    }
+
+    logger.info("Finished creating condition check schedules", {
+      rentalId: rental.id,
+      schedulesCreated,
+    });
+
+    return schedulesCreated;
+  }
+
+  /**
+   * Delete all condition check schedules for a rental.
+   * Call this when a rental is cancelled.
+   */
+  async deleteConditionCheckSchedules(rental) {
+    if (!this.conditionCheckRemindersEnabled) {
+      logger.debug(
+        "EventBridge Scheduler disabled, skipping schedule deletion"
+      );
+      return;
+    }
+
+    logger.info("Deleting condition check schedules for rental", {
+      rentalId: rental.id,
+    });
+
+    const checkTypes = [
+      "pre_rental_owner",
+      "rental_start_renter",
+      "rental_end_renter",
+      "post_rental_owner",
+    ];
+
+    for (const checkType of checkTypes) {
+      const name = this.getScheduleName(rental.id, checkType);
+
+      try {
+        await this.deleteSchedule(name);
+      } catch (error) {
+        logger.error("Failed to delete schedule, continuing with others", {
+          rentalId: rental.id,
+          checkType,
+          error: error.message,
+        });
+      }
+    }
+
+    logger.info("Finished deleting condition check schedules", {
+      rentalId: rental.id,
+    });
+  }
+}
+
+// Export singleton instance
+module.exports = new EventBridgeSchedulerService();

backend/services/googleMapsService.js

@@ -1,4 +1,5 @@
 const { Client } = require('@googlemaps/google-maps-services-js');
+const logger = require('../utils/logger');
 
 class GoogleMapsService {
   constructor() {
@@ -6,9 +7,9 @@ class GoogleMapsService {
     this.apiKey = process.env.GOOGLE_MAPS_API_KEY;
     
     if (!this.apiKey) {
-      console.error('❌ Google Maps API key not configured in environment variables');
+      logger.error('Google Maps API key not configured in environment variables');
     } else {
-      console.log('✅ Google Maps service initialized');
+      logger.info('Google Maps service initialized');
     }
   }
 
@@ -61,15 +62,15 @@ class GoogleMapsService {
           }))
         };
       } else {
-        console.error('Places Autocomplete API error:', response.data.status, response.data.error_message);
-        return { 
+        logger.error('Places Autocomplete API error', { status: response.data.status, errorMessage: response.data.error_message });
+        return {
           predictions: [],
           error: this.getErrorMessage(response.data.status),
           status: response.data.status
         };
       }
     } catch (error) {
-      console.error('Places Autocomplete service error:', error.message);
+      logger.error('Places Autocomplete service error', { error });
       throw new Error('Failed to fetch place predictions');
     }
   }
@@ -145,11 +146,11 @@ class GoogleMapsService {
           }
         };
       } else {
-        console.error('Place Details API error:', response.data.status, response.data.error_message);
+        logger.error('Place Details API error', { status: response.data.status, errorMessage: response.data.error_message });
         throw new Error(this.getErrorMessage(response.data.status));
       }
     } catch (error) {
-      console.error('Place Details service error:', error.message);
+      logger.error('Place Details service error', { error });
       throw error;
     }
   }
@@ -200,14 +201,14 @@ class GoogleMapsService {
           placeId: result.place_id
         };
       } else {
-        console.error('Geocoding API error:', response.data.status, response.data.error_message);
+        logger.error('Geocoding API error', { status: response.data.status, errorMessage: response.data.error_message });
         return {
           error: this.getErrorMessage(response.data.status),
           status: response.data.status
         };
       }
     } catch (error) {
-      console.error('Geocoding service error:', error.message);
+      logger.error('Geocoding service error', { error });
       throw new Error('Failed to geocode address');
     }
   }

backend/services/lateReturnService.js

@@ -1,5 +1,7 @@
 const { Rental, Item, User } = require("../models");
 const emailServices = require("./email");
+const { isActive } = require("../utils/rentalStatus");
+const logger = require("../utils/logger");
 
 class LateReturnService {
   /**
@@ -71,7 +73,7 @@ class LateReturnService {
       throw new Error("Rental not found");
     }
 
-    if (rental.status !== "active") {
+    if (!isActive(rental)) {
       throw new Error("Can only process late returns for active rentals");
     }
 
@@ -99,6 +101,18 @@ class LateReturnService {
       );
     }
 
+    // Trigger immediate payout if rental is verified to be actually completed not late
+    if (!lateCalculation.isLate) {
+      // Import here to avoid circular dependency
+      const PayoutService = require("./payoutService");
+      PayoutService.triggerPayoutOnCompletion(rentalId).catch((err) => {
+        logger.error("Error triggering payout on late return processing", {
+          rentalId,
+          error: err.message,
+        });
+      });
+    }
+
     return {
       rental: updatedRental,
       lateCalculation,

backend/services/locationService.js

@@ -1,5 +1,6 @@
 const { sequelize } = require("../models");
 const { QueryTypes } = require("sequelize");
+const logger = require("../utils/logger");
 
 class LocationService {
   /**
@@ -25,7 +26,7 @@ class LocationService {
       // distance = 3959 * acos(cos(radians(lat1)) * cos(radians(lat2))
       //            * cos(radians(lng2) - radians(lng1))
       //            + sin(radians(lat1)) * sin(radians(lat2)))
-      // Note: 3959 is Earth's radius in miles
+      // 3959 is Earth's radius in miles
       const query = `
         SELECT * FROM (
           SELECT
@@ -71,7 +72,7 @@ class LocationService {
         distance: parseFloat(user.distance).toFixed(2), // Round to 2 decimal places
       }));
     } catch (error) {
-      console.error("Error finding users in radius:", error);
+      logger.error("Error finding users in radius", { error });
       throw new Error(`Failed to find users in radius: ${error.message}`);
     }
   }

backend/services/payoutService.js

@@ -1,9 +1,91 @@
 const { Rental, User, Item } = require("../models");
 const StripeService = require("./stripeService");
 const emailServices = require("./email");
+const logger = require("../utils/logger");
 const { Op } = require("sequelize");
 
 class PayoutService {
+  /**
+   * Attempt to process payout for a single rental immediately after completion.
+   * Checks if owner's Stripe account has payouts enabled before attempting.
+   * @param {string} rentalId - The rental ID to process
+   * @returns {Object} - { attempted, success, reason, transferId, amount }
+   */
+  static async triggerPayoutOnCompletion(rentalId) {
+    try {
+      const rental = await Rental.findByPk(rentalId, {
+        include: [
+          {
+            model: User,
+            as: "owner",
+            attributes: ["id", "email", "firstName", "lastName", "stripeConnectedAccountId", "stripePayoutsEnabled"],
+          },
+          { model: Item, as: "item" },
+        ],
+      });
+
+      if (!rental) {
+        logger.warn("Rental not found for payout trigger", { rentalId });
+        return { attempted: false, success: false, reason: "rental_not_found" };
+      }
+
+      // Check eligibility conditions
+      if (rental.paymentStatus !== "paid") {
+        logger.info("Payout skipped: payment not paid", { rentalId, paymentStatus: rental.paymentStatus });
+        return { attempted: false, success: false, reason: "payment_not_paid" };
+      }
+
+      if (rental.payoutStatus !== "pending") {
+        logger.info("Payout skipped: payout not pending", { rentalId, payoutStatus: rental.payoutStatus });
+        return { attempted: false, success: false, reason: "payout_not_pending" };
+      }
+
+      if (!rental.owner?.stripeConnectedAccountId) {
+        logger.info("Payout skipped: owner has no Stripe account", { rentalId, ownerId: rental.ownerId });
+        return { attempted: false, success: false, reason: "no_stripe_account" };
+      }
+
+      // Check if owner has payouts enabled (onboarding complete)
+      if (!rental.owner.stripePayoutsEnabled) {
+        logger.info("Payout deferred: owner payouts not enabled, will process when onboarding completes", {
+          rentalId,
+          ownerId: rental.ownerId,
+        });
+        return { attempted: false, success: false, reason: "payouts_not_enabled" };
+      }
+
+      // Attempt the payout
+      const result = await this.processRentalPayout(rental);
+
+      logger.info("Payout triggered successfully on completion", {
+        rentalId,
+        transferId: result.transferId,
+        amount: result.amount,
+      });
+
+      return {
+        attempted: true,
+        success: true,
+        transferId: result.transferId,
+        amount: result.amount,
+      };
+    } catch (error) {
+      logger.error("Error triggering payout on completion", {
+        error: error.message,
+        stack: error.stack,
+        rentalId,
+      });
+
+      // Payout marked as failed by processRentalPayout, will be retried by daily retry job
+      return {
+        attempted: true,
+        success: false,
+        reason: "payout_failed",
+        error: error.message,
+      };
+    }
+  }
+
   static async getEligiblePayouts() {
     try {
       const eligibleRentals = await Rental.findAll({
@@ -20,6 +102,7 @@ class PayoutService {
               stripeConnectedAccountId: {
                 [Op.not]: null,
               },
+              stripePayoutsEnabled: true,
             },
           },
           {
@@ -31,7 +114,7 @@ class PayoutService {
 
       return eligibleRentals;
     } catch (error) {
-      console.error("Error getting eligible payouts:", error);
+      logger.error("Error getting eligible payouts", { error: error.message, stack: error.stack });
       throw error;
     }
   }
@@ -78,15 +161,18 @@ class PayoutService {
       // Send payout notification email to owner
       try {
         await emailServices.rentalFlow.sendPayoutReceivedEmail(rental.owner, rental);
-        console.log(
-          `Payout notification email sent to owner for rental ${rental.id}`
-        );
+        logger.info("Payout notification email sent to owner", {
+          rentalId: rental.id,
+          ownerId: rental.ownerId
+        });
       } catch (emailError) {
         // Log error but don't fail the payout
-        console.error(
-          `Failed to send payout notification email for rental ${rental.id}:`,
-          emailError.message
-        );
+        logger.error("Failed to send payout notification email", {
+          error: emailError.message,
+          stack: emailError.stack,
+          rentalId: rental.id,
+          ownerId: rental.ownerId
+        });
       }
 
       return {
@@ -95,7 +181,7 @@ class PayoutService {
         amount: rental.payoutAmount,
       };
     } catch (error) {
-      console.error(`Error processing payout for rental ${rental.id}:`, error);
+      logger.error("Error processing payout for rental", { error: error.message, stack: error.stack, rentalId: rental.id });
 
       // Update status to failed
       await rental.update({
@@ -142,7 +228,7 @@ class PayoutService {
 
       return results;
     } catch (error) {
-      console.error("Error processing all eligible payouts:", error);
+      logger.error("Error processing all eligible payouts", { error: error.message, stack: error.stack });
       throw error;
     }
   }
@@ -163,6 +249,7 @@ class PayoutService {
               stripeConnectedAccountId: {
                 [Op.not]: null,
               },
+              stripePayoutsEnabled: true,
             },
           },
           {
@@ -205,7 +292,7 @@ class PayoutService {
 
       return results;
     } catch (error) {
-      console.error("Error retrying failed payouts:", error);
+      logger.error("Error retrying failed payouts", { error: error.message, stack: error.stack });
       throw error;
     }
   }

backend/services/refundService.js

@@ -1,5 +1,8 @@
 const { Rental } = require("../models");
 const StripeService = require("./stripeService");
+const EventBridgeSchedulerService = require("./eventBridgeSchedulerService");
+const { isActive } = require("../utils/rentalStatus");
+const logger = require("../utils/logger");
 
 class RefundService {
   /**
@@ -69,8 +72,8 @@ class RefundService {
       };
     }
 
-    // Check if rental is active
-    if (rental.status === "active") {
+    // Check if rental is active (computed from confirmed + start time passed)
+    if (isActive(rental)) {
       return {
         canCancel: false,
         reason: "Cannot cancel active rental",
@@ -92,8 +95,12 @@ class RefundService {
       };
     }
 
-    // Check payment status - allow cancellation for both paid and free rentals
-    if (rental.paymentStatus !== "paid" && rental.paymentStatus !== "not_required") {
+    // Allow cancellation for pending rentals (before owner approval) or paid/free rentals
+    const isPendingRequest = rental.status === "pending";
+    const isPaymentSettled =
+      rental.paymentStatus === "paid" || rental.paymentStatus === "not_required";
+
+    if (!isPendingRequest && !isPaymentSettled) {
       return {
         canCancel: false,
         reason: "Cannot cancel rental that hasn't been paid",
@@ -156,13 +163,14 @@ class RefundService {
         stripeRefundId = refund.id;
         refundProcessedAt = new Date();
       } catch (error) {
-        console.error("Error processing Stripe refund:", error);
+        logger.error("Error processing Stripe refund", { error });
         throw new Error(`Failed to process refund: ${error.message}`);
       }
     } else if (refundCalculation.refundAmount > 0) {
       // Log warning if we should refund but don't have payment intent
-      console.warn(
-        `Refund amount calculated but no payment intent ID for rental ${rentalId}`
+      logger.warn(
+        "Refund amount calculated but no payment intent ID for rental",
+        { rentalId }
       );
     }
 
@@ -180,6 +188,17 @@ class RefundService {
       payoutStatus: "pending",
     });
 
+    // Delete condition check schedules since rental is cancelled
+    try {
+      await EventBridgeSchedulerService.deleteConditionCheckSchedules(updatedRental);
+    } catch (schedulerError) {
+      logger.error("Failed to delete condition check schedules", {
+        error: schedulerError.message,
+        rentalId: updatedRental.id,
+      });
+      // Don't fail the cancellation - schedule cleanup is non-critical
+    }
+
     return {
       rental: updatedRental,
       refund: {

backend/services/s3OwnershipService.js

@@ -6,6 +6,28 @@ const { Op } = require("sequelize");
  * Used to authorize signed URL requests for private content
  */
 class S3OwnershipService {
+  /**
+   * Image size variant suffixes
+   */
+  static SIZE_SUFFIXES = ["_th", "_md"];
+
+  /**
+   * Extract the base key from a variant key (strips _th or _md suffix)
+   * @param {string} key - S3 key like "messages/uuid_th.jpg" or "messages/uuid.jpg"
+   * @returns {string} - Base key like "messages/uuid.jpg"
+   */
+  static getBaseKey(key) {
+    if (!key) return key;
+    for (const suffix of this.SIZE_SUFFIXES) {
+      // Match suffix before file extension (e.g., _th.jpg, _md.png)
+      const regex = new RegExp(`${suffix}(\\.[^.]+)$`);
+      if (regex.test(key)) {
+        return key.replace(regex, "$1");
+      }
+    }
+    return key;
+  }
+
   /**
    * Extract file type from S3 key
    * @param {string} key - S3 key like "messages/uuid.jpg"
@@ -50,14 +72,16 @@ class S3OwnershipService {
 
   /**
    * Verify message image access - user must be sender OR receiver
-   * @param {string} key - S3 key
+   * @param {string} key - S3 key (may be variant like uuid_th.jpg)
    * @param {string} userId - User ID making the request
    * @returns {Promise<{authorized: boolean, reason?: string}>}
    */
   static async verifyMessageAccess(key, userId) {
+    // Use base key for lookup (DB stores original key, not variants)
+    const baseKey = this.getBaseKey(key);
     const message = await Message.findOne({
       where: {
-        imageFilename: key,
+        imageFilename: baseKey,
         [Op.or]: [{ senderId: userId }, { receiverId: userId }],
       },
     });
@@ -69,14 +93,16 @@ class S3OwnershipService {
 
   /**
    * Verify condition check image access - user must be rental owner OR renter
-   * @param {string} key - S3 key
+   * @param {string} key - S3 key (may be variant like uuid_th.jpg)
    * @param {string} userId - User ID making the request
    * @returns {Promise<{authorized: boolean, reason?: string}>}
    */
   static async verifyConditionCheckAccess(key, userId) {
+    // Use base key for lookup (DB stores original key, not variants)
+    const baseKey = this.getBaseKey(key);
     const check = await ConditionCheck.findOne({
       where: {
-        imageFilenames: { [Op.contains]: [key] },
+        imageFilenames: { [Op.contains]: [baseKey] },
       },
       include: [
         {

backend/services/s3Service.js

@@ -101,20 +101,30 @@ class S3Service {
         region: this.region,
       });
     } catch (error) {
-      logger.error("Failed to initialize S3 Service", { error: error.message });
+      logger.error("Failed to initialize S3 Service", { error: error.message, stack: error.stack });
       process.exit(1);
     }
   }
 
+  /**
+   * Check if image processing (metadata stripping) is enabled
+   * When enabled, uploads go to staging/ prefix and Lambda processes them
+   * @returns {boolean}
+   */
+  isImageProcessingEnabled() {
+    return process.env.IMAGE_PROCESSING_ENABLED === "true";
+  }
+
   /**
    * Get a presigned URL for uploading a file directly to S3
    * @param {string} uploadType - Type of upload (profile, item, message, forum, condition-check)
    * @param {string} contentType - MIME type of the file
    * @param {string} fileName - Original filename (used for extension)
    * @param {number} fileSize - File size in bytes (required for size enforcement)
-   * @returns {Promise<{uploadUrl: string, key: string, publicUrl: string, expiresAt: Date}>}
+   * @param {string} [baseKey] - Optional base key (UUID) for coordinated variant uploads
+   * @returns {Promise<{uploadUrl: string, key: string, stagingKey: string|null, publicUrl: string, expiresAt: Date}>}
    */
-  async getPresignedUploadUrl(uploadType, contentType, fileName, fileSize) {
+  async getPresignedUploadUrl(uploadType, contentType, fileName, fileSize, baseKey = null) {
     if (!this.enabled) {
       throw new Error("S3 storage is not enabled");
     }
@@ -135,13 +145,33 @@ class S3Service {
       );
     }
 
+    // Extract known variant suffix from fileName if present (e.g., "photo_th.jpg" -> "_th")
     const ext = path.extname(fileName) || this.getExtFromMime(contentType);
-    const key = `${config.folder}/${uuidv4()}${ext}`;
+    const baseName = path.basename(fileName, ext);
+
+    // Only recognize known variant suffixes
+    let suffix = "";
+    if (baseName.endsWith("_th")) {
+      suffix = "_th";
+    } else if (baseName.endsWith("_md")) {
+      suffix = "_md";
+    }
+
+    // Use provided baseKey or generate new UUID
+    const uuid = baseKey || uuidv4();
+
+    // Final key is where the processed image will be (what frontend stores in DB)
+    const finalKey = `${config.folder}/${uuid}${suffix}${ext}`;
+
+    // When image processing is enabled, upload to staging/ prefix
+    // Lambda will process and move to final location
+    const useStaging = this.isImageProcessingEnabled();
+    const uploadKey = useStaging ? `staging/${finalKey}` : finalKey;
 
     const cacheDirective = config.public ? "public" : "private";
     const command = new PutObjectCommand({
       Bucket: this.bucket,
-      Key: key,
+      Key: uploadKey,
       ContentType: contentType,
       ContentLength: fileSize, // Enforce exact file size
       CacheControl: `${cacheDirective}, max-age=${config.cacheMaxAge}`,
@@ -153,9 +183,10 @@ class S3Service {
 
     return {
       uploadUrl,
-      key,
+      key: finalKey, // Frontend stores this in database
+      stagingKey: useStaging ? uploadKey : null, // Actual upload location (if staging enabled)
       publicUrl: config.public
-        ? `https://${this.bucket}.s3.${this.region}.amazonaws.com/${key}`
+        ? `https://${this.bucket}.s3.${this.region}.amazonaws.com/${finalKey}`
         : null,
       expiresAt: new Date(Date.now() + PRESIGN_EXPIRY * 1000),
     };

backend/services/stripeService.js

@@ -1,14 +1,20 @@
 const stripe = require("stripe")(process.env.STRIPE_SECRET_KEY);
+const logger = require("../utils/logger");
+const { parseStripeError, PaymentError } = require("../utils/stripeErrors");
+const { User } = require("../models");
+const emailServices = require("./email");
 
 class StripeService {
-
   static async getCheckoutSession(sessionId) {
     try {
       return await stripe.checkout.sessions.retrieve(sessionId, {
-        expand: ['setup_intent', 'setup_intent.payment_method']
+        expand: ["setup_intent", "setup_intent.payment_method"],
       });
     } catch (error) {
-      console.error("Error retrieving checkout session:", error);
+      logger.error("Error retrieving checkout session", {
+        error: error.message,
+        stack: error.stack,
+      });
       throw error;
     }
   }
@@ -26,7 +32,10 @@ class StripeService {
 
       return account;
     } catch (error) {
-      console.error("Error creating connected account:", error);
+      logger.error("Error creating connected account", {
+        error: error.message,
+        stack: error.stack,
+      });
       throw error;
     }
   }
@@ -42,7 +51,10 @@ class StripeService {
 
       return accountLink;
     } catch (error) {
-      console.error("Error creating account link:", error);
+      logger.error("Error creating account link", {
+        error: error.message,
+        stack: error.stack,
+      });
       throw error;
     }
   }
@@ -58,7 +70,29 @@ class StripeService {
         requirements: account.requirements,
       };
     } catch (error) {
-      console.error("Error retrieving account status:", error);
+      logger.error("Error retrieving account status", {
+        error: error.message,
+        stack: error.stack,
+      });
+      throw error;
+    }
+  }
+
+  static async createAccountSession(accountId) {
+    try {
+      const accountSession = await stripe.accountSessions.create({
+        account: accountId,
+        components: {
+          account_onboarding: { enabled: true },
+        },
+      });
+
+      return accountSession;
+    } catch (error) {
+      logger.error("Error creating account session", {
+        error: error.message,
+        stack: error.stack,
+      });
       throw error;
     }
   }
@@ -70,20 +104,119 @@ class StripeService {
     metadata = {},
   }) {
     try {
-      const transfer = await stripe.transfers.create({
-        amount: Math.round(amount * 100), // Convert to cents
-        currency,
-        destination,
-        metadata,
-      });
+      // 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;
     } catch (error) {
-      console.error("Error creating transfer:", error);
+      // Check if this is a disconnected account error (fallback for missed webhooks)
+      if (this.isAccountDisconnectedError(error)) {
+        logger.warn("Transfer failed - account appears disconnected", {
+          destination,
+          errorCode: error.code,
+          errorType: error.type,
+        });
+
+        // Clean up stale connection data asynchronously (don't block the error)
+        this.handleDisconnectedAccount(destination).catch((cleanupError) => {
+          logger.error("Failed to clean up disconnected account", {
+            destination,
+            error: cleanupError.message,
+          });
+        });
+      }
+
+      logger.error("Error creating transfer", {
+        error: error.message,
+        stack: error.stack,
+      });
       throw error;
     }
   }
 
+  /**
+   * Check if 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
+   */
+  static 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));
+  }
+
+  /**
+   * Handle disconnected account - cleanup and notify.
+   * Called as fallback when webhook was missed.
+   * @param {string} accountId - The disconnected Stripe account ID
+   */
+  static async handleDisconnectedAccount(accountId) {
+    try {
+      const user = await User.findOne({
+        where: { stripeConnectedAccountId: accountId },
+      });
+
+      if (!user) {
+        return;
+      }
+
+      logger.warn("Cleaning up disconnected account (webhook likely missed)", {
+        userId: user.id,
+        accountId,
+      });
+
+      // Clear connection
+      await user.update({
+        stripeConnectedAccountId: null,
+        stripePayoutsEnabled: false,
+      });
+
+      // Send notification
+      await emailServices.payment.sendAccountDisconnectedEmail(user.email, {
+        ownerName: user.firstName || user.lastName,
+        hasPendingPayouts: true, // We're in a transfer, so there's at least one
+        pendingPayoutCount: 1,
+      });
+
+      logger.info("Sent account disconnected notification (fallback)", {
+        userId: user.id,
+      });
+    } catch (cleanupError) {
+      logger.error("Failed to clean up disconnected account", {
+        accountId,
+        error: cleanupError.message,
+      });
+      // Don't throw - let original error propagate
+    }
+  }
+
   static async createRefund({
     paymentIntentId,
     amount,
@@ -91,16 +224,27 @@ class StripeService {
     reason = "requested_by_customer",
   }) {
     try {
-      const refund = await stripe.refunds.create({
-        payment_intent: paymentIntentId,
-        amount: Math.round(amount * 100), // Convert to cents
-        metadata,
-        reason,
-      });
+      // Generate idempotency key - include amount to allow multiple partial refunds
+      const idempotencyKey = metadata?.rentalId
+        ? `refund_rental_${metadata.rentalId}_${Math.round(amount * 100)}`
+        : undefined;
+
+      const refund = await stripe.refunds.create(
+        {
+          payment_intent: paymentIntentId,
+          amount: Math.round(amount * 100), // Convert to cents
+          metadata,
+          reason,
+        },
+        idempotencyKey ? { idempotencyKey } : undefined,
+      );
 
       return refund;
     } catch (error) {
-      console.error("Error creating refund:", error);
+      logger.error("Error creating refund", {
+        error: error.message,
+        stack: error.stack,
+      });
       throw error;
     }
   }
@@ -109,66 +253,115 @@ class StripeService {
     try {
       return await stripe.refunds.retrieve(refundId);
     } catch (error) {
-      console.error("Error retrieving refund:", error);
+      logger.error("Error retrieving refund", {
+        error: error.message,
+        stack: error.stack,
+      });
       throw error;
     }
   }
 
-  static async chargePaymentMethod(paymentMethodId, amount, customerId, metadata = {}) {
+  static async chargePaymentMethod(
+    paymentMethodId,
+    amount,
+    customerId,
+    metadata = {},
+  ) {
     try {
-      // Create a payment intent with the stored payment method
-      const paymentIntent = await stripe.paymentIntents.create({
-        amount: Math.round(amount * 100), // Convert to cents
-        currency: "usd",
-        payment_method: paymentMethodId,
-        customer: customerId, // Include customer ID
-        confirm: true, // Automatically confirm the payment
-        off_session: true, // Indicate this is an off-session payment
-        return_url: `${process.env.FRONTEND_URL || 'http://localhost:3000'}/payment-complete`,
-        metadata,
-        expand: ['charges.data.payment_method_details'], // Expand to get payment method details
-      });
+      // Generate idempotency key to prevent duplicate charges for same rental
+      const idempotencyKey = metadata?.rentalId
+        ? `charge_rental_${metadata.rentalId}`
+        : undefined;
 
-      // Extract payment method details from charges
-      const charge = paymentIntent.charges?.data?.[0];
+      // Create a payment intent with the stored payment method
+      const paymentIntent = await stripe.paymentIntents.create(
+        {
+          amount: Math.round(amount * 100), // Convert to cents
+          currency: "usd",
+          payment_method: paymentMethodId,
+          customer: customerId, // Include customer ID
+          confirm: true, // Automatically confirm the payment
+          off_session: true, // Indicate this is an off-session payment
+          return_url: `${process.env.FRONTEND_URL}/complete-payment`,
+          metadata,
+          expand: ["latest_charge.payment_method_details"], // Expand to get payment method details
+        },
+        idempotencyKey ? { idempotencyKey } : undefined,
+      );
+
+      // Check if additional authentication is required
+      if (paymentIntent.status === "requires_action") {
+        return {
+          status: "requires_action",
+          requiresAction: true,
+          paymentIntentId: paymentIntent.id,
+          clientSecret: paymentIntent.client_secret,
+        };
+      }
+
+      // Extract payment method details from latest_charge
+      const charge = paymentIntent.latest_charge;
       const paymentMethodDetails = charge?.payment_method_details;
 
       // Build payment method info object
       let paymentMethod = null;
       if (paymentMethodDetails) {
         const type = paymentMethodDetails.type;
-        if (type === 'card') {
+        if (type === "card") {
           paymentMethod = {
-            type: 'card',
-            brand: paymentMethodDetails.card?.brand || 'card',
-            last4: paymentMethodDetails.card?.last4 || '****',
+            type: "card",
+            brand: paymentMethodDetails.card?.brand || "card",
+            last4: paymentMethodDetails.card?.last4 || "****",
           };
-        } else if (type === 'us_bank_account') {
+        } else if (type === "us_bank_account") {
           paymentMethod = {
-            type: 'bank',
-            brand: 'bank_account',
-            last4: paymentMethodDetails.us_bank_account?.last4 || '****',
+            type: "bank",
+            brand: "bank_account",
+            last4: paymentMethodDetails.us_bank_account?.last4 || "****",
           };
         } else {
           paymentMethod = {
-            type: type || 'unknown',
-            brand: type || 'payment',
+            type: type || "unknown",
+            brand: type || "payment",
             last4: null,
           };
         }
       }
 
       return {
+        status: "succeeded",
         paymentIntentId: paymentIntent.id,
-        status: paymentIntent.status,
         clientSecret: paymentIntent.client_secret,
         paymentMethod: paymentMethod,
         chargedAt: new Date(paymentIntent.created * 1000), // Convert Unix timestamp to Date
         amountCharged: amount, // Original amount in dollars
       };
     } catch (error) {
-      console.error("Error charging payment method:", error);
-      throw error;
+      // Handle authentication_required error (thrown for off-session 3DS)
+      if (error.code === "authentication_required") {
+        return {
+          status: "requires_action",
+          requiresAction: true,
+          paymentIntentId: error.payment_intent?.id,
+          clientSecret: error.payment_intent?.client_secret,
+        };
+      }
+
+      // Parse Stripe error into structured format
+      const parsedError = parseStripeError(error);
+
+      logger.error("Payment failed", {
+        code: parsedError.code,
+        ownerMessage: parsedError.ownerMessage,
+        originalError: parsedError._originalMessage,
+        stripeCode: parsedError._stripeCode,
+        paymentMethodId,
+        customerId,
+        amount,
+        stack: error.stack,
+      });
+
+      throw new PaymentError(parsedError);
     }
   }
 
@@ -182,29 +375,52 @@ class StripeService {
 
       return customer;
     } catch (error) {
-      console.error("Error creating customer:", error);
+      logger.error("Error creating customer", {
+        error: error.message,
+        stack: error.stack,
+      });
       throw error;
     }
   }
 
+  static async getPaymentMethod(paymentMethodId) {
+    try {
+      return await stripe.paymentMethods.retrieve(paymentMethodId);
+    } catch (error) {
+      logger.error("Error retrieving payment method", {
+        error: error.message,
+        paymentMethodId,
+      });
+      throw error;
+    }
+  }
 
   static async createSetupCheckoutSession({ customerId, metadata = {} }) {
     try {
       const session = await stripe.checkout.sessions.create({
         customer: customerId,
-        payment_method_types: ['card', 'us_bank_account', 'link'],
-        mode: 'setup',
-        ui_mode: 'embedded',
-        redirect_on_completion: 'never',
+        payment_method_types: ["card", "link"],
+        mode: "setup",
+        ui_mode: "embedded",
+        redirect_on_completion: "never",
+        // Configure for off-session usage - triggers 3DS during setup
+        payment_method_options: {
+          card: {
+            request_three_d_secure: "any",
+          },
+        },
         metadata: {
-          type: 'payment_method_setup',
-          ...metadata
-        }
+          type: "payment_method_setup",
+          ...metadata,
+        },
       });
 
       return session;
     } catch (error) {
-      console.error("Error creating setup checkout session:", error);
+      logger.error("Error creating setup checkout session", {
+        error: error.message,
+        stack: error.stack,
+      });
       throw error;
     }
   }

backend/services/stripeWebhookService.js

@@ -0,0 +1,821 @@
+const stripe = require("stripe")(process.env.STRIPE_SECRET_KEY);
+const { User, Rental, Item } = require("../models");
+const PayoutService = require("./payoutService");
+const logger = require("../utils/logger");
+const { Op } = require("sequelize");
+const { getPayoutFailureMessage } = require("../utils/payoutErrors");
+const emailServices = require("./email");
+
+class StripeWebhookService {
+  /**
+   * Verify webhook signature and construct event
+   */
+  static constructEvent(rawBody, signature, webhookSecret) {
+    return stripe.webhooks.constructEvent(rawBody, signature, webhookSecret);
+  }
+
+  /**
+   * Handle account.updated webhook event.
+   * Tracks requirements, triggers payouts when enabled, and notifies when disabled.
+   * @param {Object} account - The Stripe account object from the webhook
+   * @returns {Object} - { processed, payoutsTriggered, payoutResults, notificationSent }
+   */
+  static async handleAccountUpdated(account) {
+    const accountId = account.id;
+    const payoutsEnabled = account.payouts_enabled;
+    const requirements = account.requirements || {};
+
+    logger.info("Processing account.updated webhook", {
+      accountId,
+      payoutsEnabled,
+      chargesEnabled: account.charges_enabled,
+      detailsSubmitted: account.details_submitted,
+      currentlyDue: requirements.currently_due?.length || 0,
+      pastDue: requirements.past_due?.length || 0,
+      disabledReason: requirements.disabled_reason,
+    });
+
+    // Find user with this Stripe account
+    const user = await User.findOne({
+      where: { stripeConnectedAccountId: accountId },
+    });
+
+    if (!user) {
+      logger.warn("No user found for Stripe account", { accountId });
+      return { processed: false, reason: "user_not_found" };
+    }
+
+    // Store previous state before update
+    const previousPayoutsEnabled = user.stripePayoutsEnabled;
+
+    // Update user with all account status fields
+    await user.update({
+      stripePayoutsEnabled: payoutsEnabled,
+      stripeRequirementsCurrentlyDue: requirements.currently_due || [],
+      stripeRequirementsPastDue: requirements.past_due || [],
+      stripeDisabledReason: requirements.disabled_reason || null,
+      stripeRequirementsLastUpdated: new Date(),
+    });
+
+    logger.info("Updated user Stripe account status", {
+      userId: user.id,
+      accountId,
+      previousPayoutsEnabled,
+      newPayoutsEnabled: payoutsEnabled,
+      currentlyDue: requirements.currently_due?.length || 0,
+      pastDue: requirements.past_due?.length || 0,
+    });
+
+    const result = {
+      processed: true,
+      payoutsTriggered: false,
+      notificationSent: false,
+    };
+
+    // If payouts just became enabled (false -> true), process pending payouts
+    if (payoutsEnabled && !previousPayoutsEnabled) {
+      logger.info("Payouts enabled for user, processing pending payouts", {
+        userId: user.id,
+        accountId,
+      });
+
+      result.payoutsTriggered = true;
+      result.payoutResults = await this.processPayoutsForOwner(user.id);
+    }
+
+    // If payouts just became disabled (true -> false), notify the owner
+    if (!payoutsEnabled && previousPayoutsEnabled) {
+      logger.warn("Payouts disabled for user", {
+        userId: user.id,
+        accountId,
+        disabledReason: requirements.disabled_reason,
+        currentlyDue: requirements.currently_due,
+      });
+
+      try {
+        const disabledReason = this.formatDisabledReason(requirements.disabled_reason);
+
+        await emailServices.payment.sendPayoutsDisabledEmail(user.email, {
+          ownerName: user.firstName || user.lastName,
+          disabledReason,
+        });
+
+        result.notificationSent = true;
+
+        logger.info("Sent payouts disabled notification to owner", {
+          userId: user.id,
+          accountId,
+          disabledReason: requirements.disabled_reason,
+        });
+      } catch (emailError) {
+        logger.error("Failed to send payouts disabled notification", {
+          userId: user.id,
+          accountId,
+          error: emailError.message,
+        });
+      }
+    }
+
+    return result;
+  }
+
+  /**
+   * Format Stripe disabled_reason code to user-friendly message.
+   * @param {string} reason - Stripe disabled_reason code
+   * @returns {string} User-friendly message
+   */
+  static formatDisabledReason(reason) {
+    const reasonMap = {
+      "requirements.past_due":
+        "Some required information is past due and must be provided to continue receiving payouts.",
+      "requirements.pending_verification":
+        "Your submitted information is being verified. This usually takes a few minutes.",
+      listed: "Your account has been listed for review due to potential policy concerns.",
+      platform_paused:
+        "Payouts have been temporarily paused by the platform.",
+      rejected_fraud: "Your account was flagged for potential fraudulent activity.",
+      rejected_listed: "Your account has been rejected due to policy concerns.",
+      rejected_terms_of_service:
+        "Your account was rejected due to a terms of service violation.",
+      rejected_other: "Your account was rejected. Please contact support for more information.",
+      under_review: "Your account is under review. We'll notify you when the review is complete.",
+    };
+
+    return reasonMap[reason] || "Additional verification is required for your account.";
+  }
+
+  /**
+   * Process all eligible payouts for a specific owner.
+   * Called when owner completes Stripe onboarding.
+   * @param {string} ownerId - The owner's user ID
+   * @returns {Object} - { successful, failed, totalProcessed }
+   */
+  static async processPayoutsForOwner(ownerId) {
+    const eligibleRentals = await Rental.findAll({
+      where: {
+        ownerId,
+        status: "completed",
+        paymentStatus: "paid",
+        payoutStatus: "pending",
+      },
+      include: [
+        {
+          model: User,
+          as: "owner",
+          where: {
+            stripeConnectedAccountId: { [Op.not]: null },
+            stripePayoutsEnabled: true,
+          },
+        },
+        { model: Item, as: "item" },
+      ],
+    });
+
+    logger.info("Found eligible rentals for owner payout", {
+      ownerId,
+      count: eligibleRentals.length,
+    });
+
+    const results = {
+      successful: [],
+      failed: [],
+      totalProcessed: eligibleRentals.length,
+    };
+
+    for (const rental of eligibleRentals) {
+      try {
+        const result = await PayoutService.processRentalPayout(rental);
+        results.successful.push({
+          rentalId: rental.id,
+          amount: result.amount,
+          transferId: result.transferId,
+        });
+      } catch (error) {
+        results.failed.push({
+          rentalId: rental.id,
+          error: error.message,
+        });
+      }
+    }
+
+    logger.info("Processed payouts for owner", {
+      ownerId,
+      successful: results.successful.length,
+      failed: results.failed.length,
+    });
+
+    return results;
+  }
+
+  /**
+   * Handle payout.paid webhook event.
+   * Updates rentals when funds are deposited to owner's bank account.
+   * @param {Object} payout - The Stripe payout object
+   * @param {string} connectedAccountId - The connected account ID (from event.account)
+   * @returns {Object} - { processed, rentalsUpdated }
+   */
+  static async handlePayoutPaid(payout, connectedAccountId) {
+    logger.info("Processing payout.paid webhook", {
+      payoutId: payout.id,
+      connectedAccountId,
+      amount: payout.amount,
+      arrivalDate: payout.arrival_date,
+    });
+
+    if (!connectedAccountId) {
+      logger.warn("payout.paid webhook missing connected account ID", {
+        payoutId: payout.id,
+      });
+      return { processed: false, reason: "missing_account_id" };
+    }
+
+    try {
+      // Fetch balance transactions included in this payout
+      // Filter by type 'transfer' to get only our platform transfers
+      const balanceTransactions = await stripe.balanceTransactions.list(
+        {
+          payout: payout.id,
+          type: "transfer",
+          limit: 100,
+        },
+        { stripeAccount: connectedAccountId }
+      );
+
+      // Extract transfer IDs from balance transactions
+      // The 'source' field contains the transfer ID
+      const transferIds = balanceTransactions.data
+        .map((bt) => bt.source)
+        .filter(Boolean);
+
+      if (transferIds.length === 0) {
+        logger.info("No transfer balance transactions in payout", {
+          payoutId: payout.id,
+          connectedAccountId,
+        });
+        return { processed: true, rentalsUpdated: 0 };
+      }
+
+      logger.info("Found transfers in payout", {
+        payoutId: payout.id,
+        transferCount: transferIds.length,
+        transferIds,
+      });
+
+      // Update all rentals with matching stripeTransferId
+      const [updatedCount] = await Rental.update(
+        {
+          bankDepositStatus: "paid",
+          bankDepositAt: new Date(payout.arrival_date * 1000),
+          stripePayoutId: payout.id,
+        },
+        {
+          where: {
+            stripeTransferId: { [Op.in]: transferIds },
+          },
+        }
+      );
+
+      logger.info("Updated rentals with bank deposit status", {
+        payoutId: payout.id,
+        rentalsUpdated: updatedCount,
+      });
+
+      return { processed: true, rentalsUpdated: updatedCount };
+    } catch (error) {
+      logger.error("Error processing payout.paid webhook", {
+        payoutId: payout.id,
+        connectedAccountId,
+        error: error.message,
+        stack: error.stack,
+      });
+      throw error;
+    }
+  }
+
+  /**
+   * Handle payout.failed webhook event.
+   * Updates rentals when bank deposit fails and notifies the owner.
+   * @param {Object} payout - The Stripe payout object
+   * @param {string} connectedAccountId - The connected account ID (from event.account)
+   * @returns {Object} - { processed, rentalsUpdated, notificationSent }
+   */
+  static async handlePayoutFailed(payout, connectedAccountId) {
+    logger.info("Processing payout.failed webhook", {
+      payoutId: payout.id,
+      connectedAccountId,
+      failureCode: payout.failure_code,
+      failureMessage: payout.failure_message,
+    });
+
+    if (!connectedAccountId) {
+      logger.warn("payout.failed webhook missing connected account ID", {
+        payoutId: payout.id,
+      });
+      return { processed: false, reason: "missing_account_id" };
+    }
+
+    try {
+      // Fetch balance transactions included in this payout
+      const balanceTransactions = await stripe.balanceTransactions.list(
+        {
+          payout: payout.id,
+          type: "transfer",
+          limit: 100,
+        },
+        { stripeAccount: connectedAccountId }
+      );
+
+      const transferIds = balanceTransactions.data
+        .map((bt) => bt.source)
+        .filter(Boolean);
+
+      if (transferIds.length === 0) {
+        logger.info("No transfer balance transactions in failed payout", {
+          payoutId: payout.id,
+          connectedAccountId,
+        });
+        return { processed: true, rentalsUpdated: 0, notificationSent: false };
+      }
+
+      // Update all rentals with matching stripeTransferId
+      const [updatedCount] = await Rental.update(
+        {
+          bankDepositStatus: "failed",
+          stripePayoutId: payout.id,
+          bankDepositFailureCode: payout.failure_code || "unknown",
+        },
+        {
+          where: {
+            stripeTransferId: { [Op.in]: transferIds },
+          },
+        }
+      );
+
+      logger.warn("Updated rentals with failed bank deposit status", {
+        payoutId: payout.id,
+        rentalsUpdated: updatedCount,
+        failureCode: payout.failure_code,
+      });
+
+      // Find owner and send notification
+      const user = await User.findOne({
+        where: { stripeConnectedAccountId: connectedAccountId },
+      });
+
+      let notificationSent = false;
+
+      if (user) {
+        // Get user-friendly message
+        const failureInfo = getPayoutFailureMessage(payout.failure_code);
+
+        try {
+          await emailServices.payment.sendPayoutFailedNotification(user.email, {
+            ownerName: user.firstName || user.lastName,
+            payoutAmount: payout.amount / 100,
+            failureMessage: failureInfo.message,
+            actionRequired: failureInfo.action,
+            failureCode: payout.failure_code || "unknown",
+            requiresBankUpdate: failureInfo.requiresBankUpdate,
+          });
+
+          notificationSent = true;
+
+          logger.info("Sent payout failed notification to owner", {
+            userId: user.id,
+            payoutId: payout.id,
+            failureCode: payout.failure_code,
+          });
+        } catch (emailError) {
+          logger.error("Failed to send payout failed notification", {
+            userId: user.id,
+            payoutId: payout.id,
+            error: emailError.message,
+          });
+        }
+      } else {
+        logger.warn("No user found for connected account", {
+          connectedAccountId,
+          payoutId: payout.id,
+        });
+      }
+
+      return { processed: true, rentalsUpdated: updatedCount, notificationSent };
+    } catch (error) {
+      logger.error("Error processing payout.failed webhook", {
+        payoutId: payout.id,
+        connectedAccountId,
+        error: error.message,
+        stack: error.stack,
+      });
+      throw error;
+    }
+  }
+
+  /**
+   * Handle payout.canceled webhook event.
+   * Stripe can cancel payouts if:
+   * - They are manually canceled via Dashboard/API before processing
+   * - The connected account is deactivated
+   * - Risk review cancels the payout
+   * @param {Object} payout - The Stripe payout object
+   * @param {string} connectedAccountId - The connected account ID
+   * @returns {Object} - { processed, rentalsUpdated }
+   */
+  static async handlePayoutCanceled(payout, connectedAccountId) {
+    logger.info("Processing payout.canceled webhook", {
+      payoutId: payout.id,
+      connectedAccountId,
+    });
+
+    if (!connectedAccountId) {
+      logger.warn("payout.canceled webhook missing connected account ID", {
+        payoutId: payout.id,
+      });
+      return { processed: false, reason: "missing_account_id" };
+    }
+
+    try {
+      // Retrieve balance transactions to find associated transfers
+      const balanceTransactions = await stripe.balanceTransactions.list(
+        {
+          payout: payout.id,
+          type: "transfer",
+          limit: 100,
+        },
+        { stripeAccount: connectedAccountId }
+      );
+
+      const transferIds = balanceTransactions.data
+        .map((bt) => bt.source)
+        .filter(Boolean);
+
+      if (transferIds.length === 0) {
+        logger.info("No transfers found for canceled payout", {
+          payoutId: payout.id,
+        });
+        return { processed: true, rentalsUpdated: 0 };
+      }
+
+      // Update all rentals associated with this payout
+      const [updatedCount] = await Rental.update(
+        {
+          bankDepositStatus: "canceled",
+          stripePayoutId: payout.id,
+        },
+        {
+          where: {
+            stripeTransferId: { [Op.in]: transferIds },
+          },
+        }
+      );
+
+      logger.info("Updated rentals for canceled payout", {
+        payoutId: payout.id,
+        rentalsUpdated: updatedCount,
+      });
+
+      return { processed: true, rentalsUpdated: updatedCount };
+    } catch (error) {
+      logger.error("Error processing payout.canceled webhook", {
+        payoutId: payout.id,
+        connectedAccountId,
+        error: error.message,
+        stack: error.stack,
+      });
+      throw error;
+    }
+  }
+
+  /**
+   * 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,
+        stripeRequirementsCurrentlyDue: [],
+        stripeRequirementsPastDue: [],
+        stripeDisabledReason: null,
+        stripeRequirementsLastUpdated: null,
+      });
+
+      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.lastName,
+          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, payout.failed, or payout.canceled webhooks were missed.
+   *
+   * Checks paid, failed, and canceled payouts to ensure accurate status tracking.
+   *
+   * @param {string} ownerId - The owner's user ID
+   * @returns {Object} - { reconciled, updated, failed, notificationsSent, errors }
+   */
+  static async reconcilePayoutStatuses(ownerId) {
+    const results = {
+      reconciled: 0,
+      updated: 0,
+      failed: 0,
+      notificationsSent: 0,
+      errors: [],
+    };
+
+    try {
+      // Find rentals that need reconciliation
+      const rentalsToReconcile = await Rental.findAll({
+        where: {
+          ownerId,
+          payoutStatus: "completed",
+          stripeTransferId: { [Op.not]: null },
+          bankDepositStatus: { [Op.is]: null },
+        },
+        include: [
+          {
+            model: User,
+            as: "owner",
+            attributes: ["id", "email", "firstName", "lastName", "stripeConnectedAccountId"],
+          },
+        ],
+      });
+
+      if (rentalsToReconcile.length === 0) {
+        return results;
+      }
+
+      logger.info("Reconciling payout statuses", {
+        ownerId,
+        rentalsCount: rentalsToReconcile.length,
+      });
+
+      // Get the connected account ID (same for all rentals of this owner)
+      const connectedAccountId = rentalsToReconcile[0].owner?.stripeConnectedAccountId;
+      if (!connectedAccountId) {
+        logger.warn("Owner has no connected account ID", { ownerId });
+        return results;
+      }
+
+      // Fetch recent paid, failed, and canceled payouts
+      const [paidPayouts, failedPayouts, canceledPayouts] = await Promise.all([
+        stripe.payouts.list(
+          { status: "paid", limit: 20 },
+          { stripeAccount: connectedAccountId }
+        ),
+        stripe.payouts.list(
+          { status: "failed", limit: 20 },
+          { stripeAccount: connectedAccountId }
+        ),
+        stripe.payouts.list(
+          { status: "canceled", limit: 20 },
+          { stripeAccount: connectedAccountId }
+        ),
+      ]);
+
+      // Build a map of transfer IDs to failed payouts for quick lookup
+      const failedPayoutTransferMap = new Map();
+      for (const payout of failedPayouts.data) {
+        try {
+          const balanceTransactions = await stripe.balanceTransactions.list(
+            { payout: payout.id, type: "transfer", limit: 100 },
+            { stripeAccount: connectedAccountId }
+          );
+          for (const bt of balanceTransactions.data) {
+            if (bt.source) {
+              failedPayoutTransferMap.set(bt.source, payout);
+            }
+          }
+        } catch (btError) {
+          logger.warn("Error fetching balance transactions for failed payout", {
+            payoutId: payout.id,
+            error: btError.message,
+          });
+        }
+      }
+
+      // Build a map of transfer IDs to canceled payouts for quick lookup
+      const canceledPayoutTransferMap = new Map();
+      for (const payout of canceledPayouts.data) {
+        try {
+          const balanceTransactions = await stripe.balanceTransactions.list(
+            { payout: payout.id, type: "transfer", limit: 100 },
+            { stripeAccount: connectedAccountId }
+          );
+          for (const bt of balanceTransactions.data) {
+            if (bt.source) {
+              canceledPayoutTransferMap.set(bt.source, payout);
+            }
+          }
+        } catch (btError) {
+          logger.warn("Error fetching balance transactions for canceled payout", {
+            payoutId: payout.id,
+            error: btError.message,
+          });
+        }
+      }
+
+      const owner = rentalsToReconcile[0].owner;
+
+      for (const rental of rentalsToReconcile) {
+        results.reconciled++;
+
+        try {
+          // First check if this transfer is in a failed payout
+          const failedPayout = failedPayoutTransferMap.get(rental.stripeTransferId);
+
+          if (failedPayout) {
+            // Update rental with failed status
+            await rental.update({
+              bankDepositStatus: "failed",
+              stripePayoutId: failedPayout.id,
+              bankDepositFailureCode: failedPayout.failure_code || "unknown",
+            });
+
+            results.failed++;
+
+            logger.warn("Reconciled rental with failed payout", {
+              rentalId: rental.id,
+              payoutId: failedPayout.id,
+              failureCode: failedPayout.failure_code,
+            });
+
+            // Send failure notification
+            if (owner?.email) {
+              try {
+                const failureInfo = getPayoutFailureMessage(failedPayout.failure_code);
+                await emailServices.payment.sendPayoutFailedNotification(owner.email, {
+                  ownerName: owner.firstName || owner.lastName,
+                  payoutAmount: failedPayout.amount / 100,
+                  failureMessage: failureInfo.message,
+                  actionRequired: failureInfo.action,
+                  failureCode: failedPayout.failure_code || "unknown",
+                  requiresBankUpdate: failureInfo.requiresBankUpdate,
+                });
+                results.notificationsSent++;
+
+                logger.info("Sent reconciled payout failure notification", {
+                  userId: owner.id,
+                  rentalId: rental.id,
+                  payoutId: failedPayout.id,
+                });
+              } catch (emailError) {
+                logger.error("Failed to send reconciled payout failure notification", {
+                  userId: owner.id,
+                  rentalId: rental.id,
+                  error: emailError.message,
+                });
+              }
+            }
+
+            continue; // Move to next rental
+          }
+
+          // Check if this transfer is in a canceled payout
+          const canceledPayout = canceledPayoutTransferMap.get(rental.stripeTransferId);
+
+          if (canceledPayout) {
+            await rental.update({
+              bankDepositStatus: "canceled",
+              stripePayoutId: canceledPayout.id,
+            });
+
+            results.canceled = (results.canceled || 0) + 1;
+
+            logger.info("Reconciled rental with canceled payout", {
+              rentalId: rental.id,
+              payoutId: canceledPayout.id,
+            });
+
+            continue; // Move to next rental
+          }
+
+          // Check for paid payout
+          const transfer = await stripe.transfers.retrieve(rental.stripeTransferId);
+          const matchingPaidPayout = paidPayouts.data.find(
+            (payout) => payout.arrival_date >= transfer.created
+          );
+
+          if (matchingPaidPayout) {
+            await rental.update({
+              bankDepositStatus: "paid",
+              bankDepositAt: new Date(matchingPaidPayout.arrival_date * 1000),
+              stripePayoutId: matchingPaidPayout.id,
+            });
+
+            results.updated++;
+
+            logger.info("Reconciled rental payout status to paid", {
+              rentalId: rental.id,
+              payoutId: matchingPaidPayout.id,
+              arrivalDate: matchingPaidPayout.arrival_date,
+            });
+          }
+        } catch (rentalError) {
+          results.errors.push({
+            rentalId: rental.id,
+            error: rentalError.message,
+          });
+
+          logger.error("Error reconciling rental payout status", {
+            rentalId: rental.id,
+            error: rentalError.message,
+          });
+        }
+      }
+
+      logger.info("Payout reconciliation complete", {
+        ownerId,
+        reconciled: results.reconciled,
+        updated: results.updated,
+        failed: results.failed,
+        canceled: results.canceled || 0,
+        notificationsSent: results.notificationsSent,
+        errors: results.errors.length,
+      });
+
+      return results;
+    } catch (error) {
+      logger.error("Error in reconcilePayoutStatuses", {
+        ownerId,
+        error: error.message,
+        stack: error.stack,
+      });
+      throw error;
+    }
+  }
+}
+
+module.exports = StripeWebhookService;

backend/sockets/messageSocket.js

@@ -94,6 +94,7 @@ const initializeMessageSocket = (io) => {
           socketId: socket.id,
           userId,
           error: error.message,
+          stack: error.stack,
         });
       }
     });
@@ -124,6 +125,7 @@ const initializeMessageSocket = (io) => {
           socketId: socket.id,
           userId,
           error: error.message,
+          stack: error.stack,
         });
       }
     });
@@ -170,6 +172,7 @@ const initializeMessageSocket = (io) => {
           socketId: socket.id,
           userId,
           error: error.message,
+          stack: error.stack,
         });
       }
     });
@@ -208,6 +211,7 @@ const initializeMessageSocket = (io) => {
           socketId: socket.id,
           userId,
           error: error.message,
+          stack: error.stack,
         });
       }
     });
@@ -243,6 +247,7 @@ const initializeMessageSocket = (io) => {
           socketId: socket.id,
           userId,
           error: error.message,
+          stack: error.stack,
         });
       }
     });
@@ -305,6 +310,7 @@ const emitNewMessage = (io, receiverId, messageData) => {
       receiverId,
       messageId: messageData.id,
       error: error.message,
+      stack: error.stack,
     });
   }
 };
@@ -330,6 +336,7 @@ const emitMessageRead = (io, senderId, readData) => {
       senderId,
       messageId: readData.messageId,
       error: error.message,
+      stack: error.stack,
     });
   }
 };

backend/sockets/socketAuth.js

@@ -8,7 +8,7 @@ const cookie = require("cookie");
  * Verifies JWT token and attaches user to socket
  * Tokens can be provided via:
  * 1. Cookie (accessToken) - preferred for browser clients
- * 2. Query parameter (token) - fallback for mobile/other clients
+ * 2. Auth object (auth.token) - for mobile/native clients
  */
 const authenticateSocket = async (socket, next) => {
   try {
@@ -20,16 +20,11 @@ const authenticateSocket = async (socket, next) => {
       token = cookies.accessToken;
     }
 
-    // Fallback to query parameter (mobile/other clients)
+    // Auth object for mobile/native clients
     if (!token && socket.handshake.auth?.token) {
       token = socket.handshake.auth.token;
     }
 
-    // Fallback to legacy query parameter
-    if (!token && socket.handshake.query?.token) {
-      token = socket.handshake.query.token;
-    }
-
     if (!token) {
       logger.warn("Socket connection rejected - no token provided", {
         socketId: socket.id,
@@ -69,7 +64,9 @@ const authenticateSocket = async (socket, next) => {
         userVersion: user.jwtVersion,
       });
       return next(
-        new Error("Session expired due to password change. Please log in again.")
+        new Error(
+          "Session expired due to password change. Please log in again."
+        )
       );
     }
 

backend/templates/emails/accountDisconnectedToOwner.html

@@ -0,0 +1,321 @@
+<!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>Payout Account Disconnected - 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, #dc3545 0%, #c82333 100%);
+        padding: 40px 30px;
+        text-align: center;
+      }
+
+      .logo {
+        font-size: 32px;
+        font-weight: 700;
+        color: #ffffff;
+        text-decoration: none;
+        letter-spacing: -1px;
+      }
+
+      .tagline {
+        color: #f8d7da;
+        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;
+      }
+
+      /* Alert box */
+      .alert-box {
+        background-color: #f8d7da;
+        border-left: 4px solid #dc3545;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 0 6px 6px 0;
+      }
+
+      .alert-box p {
+        margin: 0 0 10px 0;
+        color: #721c24;
+      }
+
+      .alert-box p:last-child {
+        margin-bottom: 0;
+      }
+
+      /* Warning display */
+      .warning-display {
+        background: linear-gradient(135deg, #ffc107 0%, #e0a800 100%);
+        padding: 30px;
+        border-radius: 8px;
+        text-align: center;
+        margin: 30px 0;
+        box-shadow: 0 4px 12px rgba(255, 193, 7, 0.3);
+      }
+
+      .warning-label {
+        color: #212529;
+        font-size: 14px;
+        text-transform: uppercase;
+        letter-spacing: 1px;
+        margin-bottom: 10px;
+      }
+
+      .warning-icon {
+        font-size: 48px;
+        margin: 0;
+        line-height: 1;
+      }
+
+      .warning-subtitle {
+        color: #212529;
+        font-size: 14px;
+        margin-top: 10px;
+        opacity: 0.8;
+      }
+
+      /* 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);
+      }
+
+      /* 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;
+      }
+
+      /* 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;
+        }
+
+        .warning-icon {
+          font-size: 36px;
+        }
+
+        .button {
+          display: block;
+          width: 100%;
+          box-sizing: border-box;
+        }
+      }
+    </style>
+  </head>
+  <body>
+    <div class="email-container">
+      <div class="header">
+        <div class="logo">Village Share</div>
+        <div class="tagline">Payout Account Disconnected</div>
+      </div>
+
+      <div class="content">
+        <p>Hi {{ownerName}},</p>
+
+        <p>
+          Your Stripe payout account has been disconnected from Village Share.
+          This means we are no longer able to send your earnings to your bank
+          account.
+        </p>
+
+        <div class="warning-display">
+          <div class="warning-label">Account Status</div>
+          <div class="warning-icon">&#9888;</div>
+          <div class="warning-subtitle">Payout account disconnected</div>
+        </div>
+
+        {{#if hasPendingPayouts}}
+        <div class="alert-box">
+          <p><strong>Important:</strong></p>
+          <p>
+            You have {{pendingPayoutCount}} pending
+            payout{{#if (gt pendingPayoutCount 1)}}s{{/if}} that cannot be
+            processed until you reconnect your payout account.
+          </p>
+        </div>
+        {{/if}}
+
+        <h2>What This Means</h2>
+        <p>
+          Without a connected payout account, you will not be able to receive
+          earnings from rentals. Your listings will remain active, but payments
+          cannot be deposited to your bank account.
+        </p>
+
+        <h2>What To Do</h2>
+        <p>
+          If you disconnected your account by mistake, or would like to continue
+          receiving payouts, please reconnect your Stripe account.
+        </p>
+
+        <div style="text-align: center">
+          <a href="{{reconnectUrl}}" class="button">Reconnect Payout Account</a>
+        </div>
+
+        <div class="info-box">
+          <p><strong>Need help?</strong></p>
+          <p>
+            If you're having trouble reconnecting your account, or didn't
+            disconnect it yourself, please contact our support team right away.
+          </p>
+        </div>
+
+        <p>
+          We're here to help you continue earning on Village Share. Don't
+          hesitate to reach out if you have any questions.
+        </p>
+      </div>
+
+      <div class="footer">
+        <p><strong>Village Share</strong></p>
+        <p>
+          This is an important notification about your payout account. You
+          received this message because your Stripe account was disconnected
+          from our platform.
+        </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>

backend/templates/emails/alphaInvitationToUser.html

@@ -1,283 +1,322 @@
-<!DOCTYPE html>
+<!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">
+  <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>Your Alpha Access Code - 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;
-        }
+      /* 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;
-        }
+      /* 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 */
+      /* 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: #e0e7ff;
+        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 p {
+        margin: 0 0 16px 0;
+        color: #6c757d;
+        line-height: 1.6;
+      }
+
+      .content strong {
+        color: #495057;
+      }
+
+      /* Code box */
+      .code-box {
+        background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
+        border-radius: 8px;
+        padding: 30px;
+        margin: 30px 0;
+        text-align: center;
+      }
+
+      .code-label {
+        color: #e0e7ff;
+        font-size: 14px;
+        font-weight: 600;
+        text-transform: uppercase;
+        letter-spacing: 1px;
+        margin-bottom: 12px;
+      }
+
+      .code {
+        font-family: "Courier New", Courier, monospace;
+        font-size: 32px;
+        font-weight: 700;
+        color: #ffffff;
+        letter-spacing: 4px;
+        margin: 10px 0;
+        user-select: all;
+      }
+
+      /* 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);
+      }
+
+      /* Info box */
+      .info-box {
+        background-color: #e7f3ff;
+        border-left: 4px solid #667eea;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 0 6px 6px 0;
+      }
+
+      .info-box p {
+        margin: 0 0 10px 0;
+        color: #004085;
+        font-size: 14px;
+      }
+
+      .info-box p:last-child {
+        margin-bottom: 0;
+      }
+
+      .info-box ul {
+        margin: 10px 0 0 0;
+        padding-left: 20px;
+        color: #004085;
+        font-size: 14px;
+      }
+
+      .info-box li {
+        margin-bottom: 6px;
+      }
+
+      /* 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 {
-            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);
+          margin: 0;
+          border-radius: 0;
         }
 
-        /* Header */
-        .header {
-            background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
-            padding: 40px 30px;
-            text-align: center;
+        .header,
+        .content,
+        .footer {
+          padding: 20px;
         }
 
         .logo {
-            font-size: 32px;
-            font-weight: 700;
-            color: #ffffff;
-            text-decoration: none;
-            letter-spacing: -1px;
-        }
-
-        .tagline {
-            color: #e0e7ff;
-            font-size: 14px;
-            margin-top: 8px;
-        }
-
-        /* Content */
-        .content {
-            padding: 40px 30px;
+          font-size: 28px;
         }
 
         .content h1 {
-            font-size: 24px;
-            font-weight: 600;
-            margin: 0 0 20px 0;
-            color: #212529;
-        }
-
-        .content p {
-            margin: 0 0 16px 0;
-            color: #6c757d;
-            line-height: 1.6;
-        }
-
-        .content strong {
-            color: #495057;
-        }
-
-        /* Code box */
-        .code-box {
-            background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
-            border-radius: 8px;
-            padding: 30px;
-            margin: 30px 0;
-            text-align: center;
-        }
-
-        .code-label {
-            color: #e0e7ff;
-            font-size: 14px;
-            font-weight: 600;
-            text-transform: uppercase;
-            letter-spacing: 1px;
-            margin-bottom: 12px;
+          font-size: 22px;
         }
 
         .code {
-            font-family: 'Courier New', Courier, monospace;
-            font-size: 32px;
-            font-weight: 700;
-            color: #ffffff;
-            letter-spacing: 4px;
-            margin: 10px 0;
-            user-select: all;
+          font-size: 24px;
+          letter-spacing: 2px;
         }
 
-        /* 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);
-        }
-
-        /* Info box */
-        .info-box {
-            background-color: #e7f3ff;
-            border-left: 4px solid #667eea;
-            padding: 20px;
-            margin: 20px 0;
-            border-radius: 0 6px 6px 0;
-        }
-
-        .info-box p {
-            margin: 0 0 10px 0;
-            color: #004085;
-            font-size: 14px;
-        }
-
-        .info-box p:last-child {
-            margin-bottom: 0;
-        }
-
-        .info-box ul {
-            margin: 10px 0 0 0;
-            padding-left: 20px;
-            color: #004085;
-            font-size: 14px;
-        }
-
-        .info-box li {
-            margin-bottom: 6px;
-        }
-
-        /* 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;
-            }
-
-            .code {
-                font-size: 24px;
-                letter-spacing: 2px;
-            }
-
-            .button {
-                display: block;
-                width: 100%;
-                box-sizing: border-box;
-            }
+          display: block;
+          width: 100%;
+          box-sizing: border-box;
         }
+      }
     </style>
-</head>
-<body>
+  </head>
+  <body>
     <div class="email-container">
-        <div class="header">
-            <div class="logo">Village Share</div>
-            <div class="tagline">Alpha Access Invitation</div>
+      <div class="header">
+        <div class="logo">Village Share</div>
+        <div class="tagline">Alpha Access Invitation</div>
+      </div>
+
+      <div class="content">
+        <h1>Welcome to Alpha Testing!</h1>
+
+        <p>
+          Congratulations! You've been selected to participate in the exclusive
+          alpha testing program for Village Share, the community-powered rental
+          marketplace.
+        </p>
+
+        <p>
+          Your unique alpha access code is:
+          <strong style="font-family: monospace">{{code}}</strong>
+        </p>
+
+        <p>To get started:</p>
+
+        <div class="info-box">
+          <p><strong>Steps to Access:</strong></p>
+          <ul>
+            <li>
+              Visit
+              <a href="{{frontendUrl}}" style="color: #667eea; font-weight: 600"
+                >{{frontendUrl}}</a
+              >
+            </li>
+            <li>Enter your alpha access code when prompted</li>
+            <li>
+              Register with <strong>this email address</strong> ({{email}})
+            </li>
+            <li>Start exploring the platform!</li>
+          </ul>
         </div>
 
-        <div class="content">
-            <h1>Welcome to Alpha Testing!</h1>
-
-            <p>Congratulations! You've been selected to participate in the exclusive alpha testing program for Village Share, the community-powered rental marketplace.</p>
-
-            <p>Your unique alpha access code is: <strong style="font-family: monospace;">{{code}}</strong></p>
-
-            <p>To get started:</p>
-
-            <div class="info-box">
-                <p><strong>Steps to Access:</strong></p>
-                <ul>
-                    <li>Visit <a href="{{frontendUrl}}" style="color: #667eea; font-weight: 600;">{{frontendUrl}}</a></li>
-                    <li>Enter your alpha access code when prompted</li>
-                    <li>Register with <strong>this email address</strong> ({{email}})</li>
-                    <li>Start exploring the platform!</li>
-                </ul>
-            </div>
-
-            <div style="text-align: center;">
-                <a href="{{frontendUrl}}" class="button">Access Village Share Alpha</a>
-            </div>
-
-            <p><strong>What to expect as an alpha tester:</strong></p>
-
-            <div class="info-box">
-                <ul>
-                    <li>Early access to new features before public launch</li>
-                    <li>Opportunity to shape the product with your feedback</li>
-                    <li>Direct communication with the development team</li>
-                    <li>Special recognition as an early supporter</li>
-                </ul>
-            </div>
-
-            <p><strong>Important notes:</strong></p>
-            <ul style="color: #6c757d; font-size: 14px;">
-                <li>Your code is tied to this email address only</li>
-                <li>This is a permanent access code (no expiration)</li>
-                <li>Please keep your code confidential</li>
-                <li>We value your feedback - let us know what you think!</li>
-            </ul>
-
-            <p>We're excited to have you as part of our alpha testing community. Your feedback will be invaluable in making Village Share the best it can be.</p>
-
-            <p>If you have any questions or encounter any issues, please don't hesitate to reach out to us.</p>
-
-            <p>Happy renting!</p>
+        <div style="text-align: center">
+          <a href="{{frontendUrl}}" class="button"
+            >Access Village Share Alpha</a
+          >
         </div>
 
-        <div class="footer">
-            <p><strong>Village Share Alpha Testing Program</strong></p>
-            <p>Need help? Contact us at <a href="mailto:support@villageshare.app">support@villageshare.app</a></p>
-            <p>&copy; 2025 Village Share. All rights reserved.</p>
+        <p><strong>What to expect as an alpha tester:</strong></p>
+
+        <div class="info-box">
+          <ul>
+            <li>Early access to new features before public launch</li>
+            <li>Opportunity to shape the product with your feedback</li>
+            <li>Direct communication with the development team</li>
+            <li>Special recognition as an early supporter</li>
+          </ul>
         </div>
+
+        <p><strong>Important notes:</strong></p>
+        <ul style="color: #6c757d; font-size: 14px">
+          <li>Your code is tied to this email address only</li>
+          <li>This is a permanent access code (no expiration)</li>
+          <li>Please keep your code confidential</li>
+          <li>We value your feedback - let us know what you think!</li>
+        </ul>
+
+        <p>
+          We're excited to have you as part of our alpha testing community. Your
+          feedback will be invaluable in making Village Share the best it can
+          be.
+        </p>
+
+        <p>
+          If you have any questions or encounter any issues, please don't
+          hesitate to reach out to us.
+        </p>
+
+        <p>Happy renting!</p>
+      </div>
+
+      <div class="footer">
+        <p><strong>Village Share Alpha Testing Program</strong></p>
+        <p>
+          Need help? Contact us at
+          <a href="mailto:community-support@village-share.com"
+            >community-support@village-share.com</a
+          >
+        </p>
+        <p>&copy; 2025 Village Share. All rights reserved.</p>
+      </div>
     </div>
-</body>
+  </body>
 </html>

backend/templates/emails/authenticationRequiredToRenter.html

@@ -0,0 +1,296 @@
+<!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>Action Required - 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;
+      }
+
+      /* Warning box */
+      .warning-box {
+        background-color: #fff3cd;
+        border-left: 4px solid #ffc107;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 0 6px 6px 0;
+      }
+
+      .warning-box p {
+        margin: 0 0 10px 0;
+        color: #856404;
+      }
+
+      .warning-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;
+      }
+
+      .info-table td {
+        color: #6c757d;
+      }
+
+      .info-table tr:last-child td {
+        border-bottom: none;
+      }
+
+      /* 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;
+        }
+
+        .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">Action Required: Complete Your Payment</div>
+      </div>
+
+      <div class="content">
+        <p>Hi {{renterName}},</p>
+
+        <p>
+          Great news! <strong>{{ownerName}}</strong> has approved your rental
+          request for <strong>{{itemName}}</strong>.
+        </p>
+
+        <div class="warning-box">
+          <p><strong>Your bank requires additional verification</strong></p>
+          <p>
+            To complete the payment and confirm your rental, your bank needs you
+            to verify your identity. This is a security measure to protect your
+            account.
+          </p>
+        </div>
+
+        <h2>Rental Details</h2>
+        <table class="info-table">
+          <tr>
+            <th>Item</th>
+            <td>{{itemName}}</td>
+          </tr>
+          <tr>
+            <th>Amount</th>
+            <td>${{amount}}</td>
+          </tr>
+        </table>
+
+        <div class="info-box">
+          <p><strong>How to Complete Your Payment</strong></p>
+          <ol style="margin: 10px 0; padding-left: 20px; color: #004085">
+            <li>
+              Go directly to <strong>village-share.com</strong> in your browser
+            </li>
+            <li>Log in to your account</li>
+            <li>Navigate to <strong>My Rentals</strong> from the navigation menu</li>
+            <li>
+              Find the rental for <strong>{{itemName}}</strong>
+            </li>
+            <li>Click <strong>"Complete Payment"</strong> and follow your bank's verification steps</li>
+          </ol>
+        </div>
+
+        <p>
+          The verification process usually takes less than a minute. Once
+          complete, your rental will be confirmed and you'll receive a
+          confirmation email.
+        </p>
+
+        <p>
+          If you did not request this rental, please ignore this email.
+        </p>
+      </div>
+
+      <div class="footer">
+        <p><strong>Village Share</strong></p>
+        <p>
+          This is a notification about your rental request. You received this
+          message because the owner approved your rental and your bank requires
+          additional verification.
+        </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>

backend/templates/emails/conditionCheckReminderToUser.html

@@ -1,4 +1,4 @@
-<!DOCTYPE html>
+<!doctype html>
 <html lang="en">
   <head>
     <meta charset="utf-8" />
@@ -34,8 +34,9 @@
         min-width: 100%;
         height: 100%;
         background-color: #f8f9fa;
-        font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto,
-          Oxygen, Ubuntu, Cantarell, sans-serif;
+        font-family:
+          -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen, Ubuntu,
+          Cantarell, sans-serif;
         line-height: 1.6;
         color: #212529;
       }
@@ -260,7 +261,8 @@
         </p>
         <p>
           If you have any questions, please
-          <a href="mailto:support@villageshare.app">contact our support team</a
+          <a href="mailto:community-support@village-share.com"
+            >contact our support team</a
           >.
         </p>
       </div>

backend/templates/emails/disputeAlertToAdmin.html

@@ -0,0 +1,354 @@
+<!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>Payment Dispute Alert - 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, #dc3545 0%, #c82333 100%);
+        padding: 40px 30px;
+        text-align: center;
+      }
+
+      .logo {
+        font-size: 32px;
+        font-weight: 700;
+        color: #ffffff;
+        text-decoration: none;
+        letter-spacing: -1px;
+      }
+
+      .tagline {
+        color: #f8d7da;
+        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;
+      }
+
+      /* Alert box */
+      .alert-box {
+        background-color: #f8d7da;
+        border-left: 4px solid #dc3545;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 0 6px 6px 0;
+      }
+
+      .alert-box p {
+        margin: 0 0 10px 0;
+        color: #721c24;
+      }
+
+      .alert-box p:last-child {
+        margin-bottom: 0;
+      }
+
+      /* Warning display */
+      .warning-display {
+        background: linear-gradient(135deg, #dc3545 0%, #c82333 100%);
+        padding: 30px;
+        border-radius: 8px;
+        text-align: center;
+        margin: 30px 0;
+        box-shadow: 0 4px 12px rgba(220, 53, 69, 0.3);
+      }
+
+      .warning-label {
+        color: #ffffff;
+        font-size: 14px;
+        text-transform: uppercase;
+        letter-spacing: 1px;
+        margin-bottom: 10px;
+      }
+
+      .warning-amount {
+        color: #ffffff;
+        font-size: 48px;
+        font-weight: 700;
+        margin: 0;
+        line-height: 1;
+      }
+
+      .warning-subtitle {
+        color: #f8d7da;
+        font-size: 14px;
+        margin-top: 10px;
+      }
+
+      /* Deadline display */
+      .deadline-display {
+        background: linear-gradient(135deg, #ffc107 0%, #e0a800 100%);
+        padding: 20px;
+        border-radius: 8px;
+        text-align: center;
+        margin: 20px 0;
+        box-shadow: 0 4px 12px rgba(255, 193, 7, 0.3);
+      }
+
+      .deadline-label {
+        color: #212529;
+        font-size: 12px;
+        text-transform: uppercase;
+        letter-spacing: 1px;
+        margin-bottom: 5px;
+      }
+
+      .deadline-date {
+        color: #212529;
+        font-size: 24px;
+        font-weight: 700;
+        margin: 0;
+      }
+
+      /* Info box */
+      .info-box {
+        background-color: #fff3cd;
+        border-left: 4px solid #ffc107;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 0 6px 6px 0;
+      }
+
+      .info-box p {
+        margin: 0 0 10px 0;
+        color: #856404;
+      }
+
+      .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;
+      }
+
+      /* 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;
+        }
+
+        .warning-amount {
+          font-size: 36px;
+        }
+
+        .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">Payment Dispute Alert</div>
+      </div>
+
+      <div class="content">
+        <h1>Payment Dispute Opened</h1>
+
+        <p>
+          A payment dispute has been filed that requires immediate attention.
+          Evidence must be submitted before the deadline to contest this
+          dispute.
+        </p>
+
+        <div class="warning-display">
+          <div class="warning-label">Disputed Amount</div>
+          <div class="warning-amount">${{amount}}</div>
+          <div class="warning-subtitle">Funds withdrawn from platform balance</div>
+        </div>
+
+        <div class="deadline-display">
+          <div class="deadline-label">Evidence Due By</div>
+          <div class="deadline-date">{{evidenceDueBy}}</div>
+        </div>
+
+        <h2>Dispute Details</h2>
+        <table class="info-table">
+          <tr>
+            <th>Rental ID</th>
+            <td>{{rentalId}}</td>
+          </tr>
+          <tr>
+            <th>Item</th>
+            <td>{{itemName}}</td>
+          </tr>
+          <tr>
+            <th>Dispute Reason</th>
+            <td>{{reason}}</td>
+          </tr>
+        </table>
+
+        <h2>Parties Involved</h2>
+        <div class="info-box">
+          <p><strong>Renter:</strong> {{renterName}} ({{renterEmail}})</p>
+          <p><strong>Owner:</strong> {{ownerName}} ({{ownerEmail}})</p>
+        </div>
+
+        <div class="alert-box">
+          <p><strong>Action Required:</strong></p>
+          <p>
+            Log into the Stripe Dashboard to review and respond to this dispute.
+            Submit evidence such as rental agreements, communication logs,
+            delivery confirmation, and condition check photos before the
+            deadline.
+          </p>
+        </div>
+      </div>
+
+      <div class="footer">
+        <p><strong>Village Share - Admin Alert</strong></p>
+        <p>
+          This is an automated notification about a payment dispute requiring
+          immediate attention.
+        </p>
+        <p>&copy; 2025 Village Share. All rights reserved.</p>
+      </div>
+    </div>
+  </body>
+</html>

backend/templates/emails/disputeLostAlertToAdmin.html

@@ -0,0 +1,359 @@
+<!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>Dispute Lost - Manual Review Required - 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, #721c24 0%, #491217 100%);
+        padding: 40px 30px;
+        text-align: center;
+      }
+
+      .logo {
+        font-size: 32px;
+        font-weight: 700;
+        color: #ffffff;
+        text-decoration: none;
+        letter-spacing: -1px;
+      }
+
+      .tagline {
+        color: #f8d7da;
+        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;
+      }
+
+      /* Critical alert box */
+      .critical-alert {
+        background-color: #f8d7da;
+        border: 2px solid #dc3545;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 6px;
+        text-align: center;
+      }
+
+      .critical-alert p {
+        margin: 0;
+        color: #721c24;
+        font-weight: 600;
+        font-size: 16px;
+      }
+
+      /* Loss display */
+      .loss-display {
+        background: linear-gradient(135deg, #dc3545 0%, #c82333 100%);
+        padding: 30px;
+        border-radius: 8px;
+        text-align: center;
+        margin: 30px 0;
+        box-shadow: 0 4px 12px rgba(220, 53, 69, 0.3);
+      }
+
+      .loss-label {
+        color: #ffffff;
+        font-size: 14px;
+        text-transform: uppercase;
+        letter-spacing: 1px;
+        margin-bottom: 10px;
+      }
+
+      .loss-amount {
+        color: #ffffff;
+        font-size: 48px;
+        font-weight: 700;
+        margin: 0;
+        line-height: 1;
+      }
+
+      .loss-subtitle {
+        color: #f8d7da;
+        font-size: 14px;
+        margin-top: 10px;
+      }
+
+      /* Info box */
+      .info-box {
+        background-color: #fff3cd;
+        border-left: 4px solid #ffc107;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 0 6px 6px 0;
+      }
+
+      .info-box p {
+        margin: 0 0 10px 0;
+        color: #856404;
+      }
+
+      .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: 50%;
+      }
+
+      .info-table td {
+        color: #6c757d;
+      }
+
+      .info-table tr:last-child td {
+        border-bottom: none;
+      }
+
+      /* Action list */
+      .action-list {
+        background-color: #e7f3ff;
+        border-left: 4px solid #0066cc;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 0 6px 6px 0;
+      }
+
+      .action-list h3 {
+        margin: 0 0 15px 0;
+        color: #004085;
+        font-size: 16px;
+      }
+
+      .action-list ol {
+        margin: 0;
+        padding-left: 20px;
+        color: #004085;
+      }
+
+      .action-list li {
+        margin-bottom: 10px;
+      }
+
+      .action-list li:last-child {
+        margin-bottom: 0;
+      }
+
+      /* 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;
+        }
+
+        .loss-amount {
+          font-size: 36px;
+        }
+
+        .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">Dispute Lost - Manual Review Required</div>
+      </div>
+
+      <div class="content">
+        <h1>Dispute Lost - Owner Already Paid</h1>
+
+        <div class="critical-alert">
+          <p>
+            MANUAL REVIEW REQUIRED: The platform has lost this dispute, but the
+            owner has already received their payout.
+          </p>
+        </div>
+
+        <div class="loss-display">
+          <div class="loss-label">Platform Loss</div>
+          <div class="loss-amount">${{amount}}</div>
+          <div class="loss-subtitle">Dispute lost - funds returned to renter</div>
+        </div>
+
+        <h2>Financial Impact</h2>
+        <table class="info-table">
+          <tr>
+            <th>Rental ID</th>
+            <td>{{rentalId}}</td>
+          </tr>
+          <tr>
+            <th>Disputed Amount Lost</th>
+            <td style="color: #dc3545"><strong>${{amount}}</strong></td>
+          </tr>
+          <tr>
+            <th>Owner Payout (already sent)</th>
+            <td>${{ownerPayoutAmount}}</td>
+          </tr>
+        </table>
+
+        <h2>Owner Information</h2>
+        <div class="info-box">
+          <p><strong>Name:</strong> {{ownerName}}</p>
+          <p><strong>Email:</strong> {{ownerEmail}}</p>
+        </div>
+
+        <div class="action-list">
+          <h3>Recommended Actions</h3>
+          <ol>
+            <li>Review the dispute details in Stripe Dashboard</li>
+            <li>Assess whether to pursue clawback from owner's future payouts</li>
+            <li>Document the decision and reasoning</li>
+            <li>If clawback approved, contact owner before deducting</li>
+          </ol>
+        </div>
+
+        <p style="color: #6c757d; font-size: 14px">
+          This alert was sent because the dispute was lost after the owner had
+          already received their bank deposit. Manual review is required to
+          determine next steps.
+        </p>
+      </div>
+
+      <div class="footer">
+        <p><strong>Village Share - Admin Alert</strong></p>
+        <p>
+          This is an automated notification about a dispute loss requiring
+          manual review.
+        </p>
+        <p>&copy; 2025 Village Share. All rights reserved.</p>
+      </div>
+    </div>
+  </body>
+</html>

backend/templates/emails/emailVerificationToUser.html

@@ -4,7 +4,7 @@
     <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>Verify Your Email - Village Share</title>
+    <title>Verify Your Email</title>
     <style>
       /* Reset styles */
       body,

backend/templates/emails/passwordChangedToUser.html

@@ -1,4 +1,4 @@
-<!DOCTYPE html>
+<!doctype html>
 <html lang="en">
   <head>
     <meta charset="utf-8" />
@@ -34,8 +34,9 @@
         min-width: 100%;
         height: 100%;
         background-color: #f8f9fa;
-        font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto,
-          Oxygen, Ubuntu, Cantarell, sans-serif;
+        font-family:
+          -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen, Ubuntu,
+          Cantarell, sans-serif;
         line-height: 1.6;
         color: #212529;
       }
@@ -246,8 +247,8 @@
           <p>
             <strong>Didn't change your password?</strong> If you did not make
             this change, your account may be compromised. Please contact our
-            support team immediately at support@villageshare.app to secure your
-            account.
+            support team immediately at community-support@village-share.com to
+            secure your account.
           </p>
         </div>
 
@@ -255,7 +256,7 @@
           <p>
             <strong>Security reminder:</strong> Keep your password secure and
             never share it with anyone. We recommend using a strong, unique
-            password and enabling two-factor authentication when available.
+            password and enabling multi-factor authentication when available.
           </p>
         </div>
 

backend/templates/emails/paymentDeclinedToRenter.html

@@ -0,0 +1,308 @@
+<!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>Payment Issue - 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;
+      }
+
+      /* 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);
+      }
+
+      /* Warning box */
+      .warning-box {
+        background-color: #fff3cd;
+        border-left: 4px solid #ffc107;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 0 6px 6px 0;
+      }
+
+      .warning-box p {
+        margin: 0 0 10px 0;
+        color: #856404;
+      }
+
+      .warning-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;
+      }
+
+      .info-table td {
+        color: #6c757d;
+      }
+
+      .info-table tr:last-child td {
+        border-bottom: none;
+      }
+
+      /* 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;
+        }
+
+        .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">Action Required: Payment Issue</div>
+      </div>
+
+      <div class="content">
+        <p>Hi {{renterFirstName}},</p>
+
+        <div class="warning-box">
+          <p><strong>Payment Issue with Your Rental Request</strong></p>
+          <p>
+            The owner tried to approve your rental for
+            <strong>{{itemName}}</strong>, but there was an issue processing
+            your payment.
+          </p>
+        </div>
+
+        <h2>What Happened</h2>
+        <p>{{declineReason}}</p>
+
+        <div class="info-box">
+          <p><strong>What You Need To Do</strong></p>
+          <p>To update your payment method:</p>
+          <ol style="margin: 10px 0; padding-left: 20px; color: #004085">
+            <li>
+              Go directly to <strong>village-share.com</strong> in your browser
+            </li>
+            <li>Log in to your account</li>
+            <li>
+              Navigate to your rentals and find your pending request for
+              <strong>{{itemName}}</strong>
+            </li>
+            <li>Click "Update Payment Method" to enter new payment details</li>
+          </ol>
+        </div>
+
+        <p>
+          Once you update your payment method, the owner will be notified and
+          can try to approve your rental again.
+        </p>
+
+        <p>
+          If you have any questions or need assistance, please don't hesitate to
+          contact our support team.
+        </p>
+      </div>
+
+      <div class="footer">
+        <p><strong>Village Share</strong></p>
+        <p>
+          This is a notification about your rental request. You received this
+          message because the owner tried to approve your rental but there was a
+          payment issue.
+        </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>

backend/templates/emails/paymentMethodUpdatedToOwner.html

@@ -0,0 +1,257 @@
+<!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>Payment Method Updated - 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;
+      }
+
+      /* 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;
+      }
+
+      /* 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;
+        }
+
+        .button {
+          display: block;
+          width: 100%;
+          box-sizing: border-box;
+        }
+      }
+    </style>
+  </head>
+  <body>
+    <div class="email-container">
+      <div class="header">
+        <div class="logo">Village Share</div>
+        <div class="tagline">Payment Update</div>
+      </div>
+
+      <div class="content">
+        <p>Hi {{ownerFirstName}},</p>
+
+        <div class="success-box">
+          <p><strong>Payment Method Updated</strong></p>
+          <p>
+            The renter has updated their payment method for the rental of
+            <strong>{{itemName}}</strong>.
+          </p>
+        </div>
+
+        <div class="info-box">
+          <p><strong>Ready to Approve</strong></p>
+          <p>
+            You can now try approving the rental request again. The renter's new
+            payment method will be charged when you approve.
+          </p>
+        </div>
+
+        <div style="text-align: center">
+          <a href="{{approvalUrl}}" class="button">Review & Approve Rental</a>
+        </div>
+
+        <p>
+          If you have any questions or need assistance, please don't hesitate
+          to contact our support team.
+        </p>
+      </div>
+
+      <div class="footer">
+        <p><strong>Village Share</strong></p>
+        <p>
+          This is a notification about a rental request for your item.
+          You received this message because the renter updated their payment method.
+        </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>

backend/templates/emails/payoutFailedToOwner.html

@@ -0,0 +1,366 @@
+<!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>Payout Issue - 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, #dc3545 0%, #c82333 100%);
+        padding: 40px 30px;
+        text-align: center;
+      }
+
+      .logo {
+        font-size: 32px;
+        font-weight: 700;
+        color: #ffffff;
+        text-decoration: none;
+        letter-spacing: -1px;
+      }
+
+      .tagline {
+        color: #f8d7da;
+        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;
+      }
+
+      /* Alert box */
+      .alert-box {
+        background-color: #f8d7da;
+        border-left: 4px solid #dc3545;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 0 6px 6px 0;
+      }
+
+      .alert-box p {
+        margin: 0 0 10px 0;
+        color: #721c24;
+      }
+
+      .alert-box p:last-child {
+        margin-bottom: 0;
+      }
+
+      /* Warning display */
+      .warning-display {
+        background: linear-gradient(135deg, #ffc107 0%, #e0a800 100%);
+        padding: 30px;
+        border-radius: 8px;
+        text-align: center;
+        margin: 30px 0;
+        box-shadow: 0 4px 12px rgba(255, 193, 7, 0.3);
+      }
+
+      .warning-label {
+        color: #212529;
+        font-size: 14px;
+        text-transform: uppercase;
+        letter-spacing: 1px;
+        margin-bottom: 10px;
+      }
+
+      .warning-amount {
+        color: #212529;
+        font-size: 48px;
+        font-weight: 700;
+        margin: 0;
+        line-height: 1;
+      }
+
+      .warning-subtitle {
+        color: #212529;
+        font-size: 14px;
+        margin-top: 10px;
+        opacity: 0.8;
+      }
+
+      /* 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);
+      }
+
+      /* 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;
+      }
+
+      /* 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;
+        }
+
+        .warning-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">Payout Issue</div>
+      </div>
+
+      <div class="content">
+        <p>Hi {{ownerName}},</p>
+
+        <p>
+          We encountered an issue depositing your earnings to your bank account.
+          Don't worry - your funds are safe and we'll help you resolve this.
+        </p>
+
+        <div class="warning-display">
+          <div class="warning-label">Pending Payout</div>
+          <div class="warning-amount">${{payoutAmount}}</div>
+          <div class="warning-subtitle">Action required to receive funds</div>
+        </div>
+
+        <div class="alert-box">
+          <p><strong>What happened:</strong></p>
+          <p>{{failureMessage}}</p>
+          <p><strong>What to do:</strong></p>
+          <p>{{actionRequired}}</p>
+        </div>
+
+        <h2>Payout Details</h2>
+        <table class="info-table">
+          <tr>
+            <th>Amount</th>
+            <td>${{payoutAmount}}</td>
+          </tr>
+          <tr>
+            <th>Status</th>
+            <td style="color: #dc3545">
+              <strong>Failed - Action Required</strong>
+            </td>
+          </tr>
+          <tr>
+            <th>Failure Reason</th>
+            <td>{{failureCode}}</td>
+          </tr>
+        </table>
+
+        {{#if requiresBankUpdate}}
+        <div style="text-align: center">
+          <a href="{{payoutSettingsUrl}}" class="button"
+            >Update Bank Account</a
+          >
+        </div>
+        {{/if}}
+
+        <div class="info-box">
+          <p><strong>What happens next?</strong></p>
+          <p>
+            Once you resolve this issue, your payout will be retried
+            automatically. If you need assistance, please contact our support
+            team.
+          </p>
+        </div>
+
+        <p>
+          We apologize for any inconvenience. Your earnings are safe and will be
+          deposited as soon as the issue is resolved.
+        </p>
+      </div>
+
+      <div class="footer">
+        <p><strong>Village Share</strong></p>
+        <p>
+          This is an important notification about your earnings. You received
+          this message because a payout to your bank account could not be
+          completed.
+        </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>

backend/templates/emails/payoutReceivedToOwner.html

@@ -381,11 +381,27 @@
           </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>2-3 business days</strong> from the transfer date.
+            <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