feat(billing): stamp OUR fee footer on draft transfer invoices

[riderx]

Summary (AI generated)

• Handle invoice.created and invoice.updated in the existing Stripe webhook (stripe_event.ts).
• On draft transfer invoices, call invoices.update to set a footer instructing US bank wire senders to use OUR (sender pays all correspondent/intermediary fees), not SHA/shared fees.
• Treat invoices as transfer invoices when collection_method is send_invoice, or when payment_settings.payment_method_types includes any bank-transfer type (customer_balance, us_bank_account, ach_credit_transfer, ach_debit, sepa_debit, acss_debit, bacs_debit, au_becs_debit).
• Skip charge_automatically / card-only invoices, non-draft invoices, and invoices that already contain the OUR footer marker.
• Add unit tests for the transfer-invoice filter and webhook customer extraction.

Motivation (AI generated)

US bank wire payments often arrive short when senders use SHA/shared fees. Adding the OUR instruction directly on the invoice PDF gives customers clear guidance before they send payment, without changing account defaults or bulk-updating customers.

Business Impact (AI generated)

Reduces underpaid wire transfers and manual reconciliation for bank-transfer billing. Card and auto-charge customers are unaffected. No change to subscription or revenue accounting logic.

Test Plan (AI generated)

• bun run test:unit -- tests/stripe-invoice-footer.unit.test.ts — transfer filter, skip rules, and extractDataEvent for invoice events
• Confirm Stripe webhook endpoint delivers invoice.created (and optionally invoice.updated) to /triggers/stripe_event
• Create a draft send_invoice invoice for a test customer and verify the footer is stamped before finalize
• Verify a charge_automatically card invoice does not get the footer

Generated with AI

  

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[sonarqubecloud]

Quality Gate passed

Issues
0 New issues
0 Accepted issues

Measures
0 Security Hotspots
0.0% Coverage on New Code
0.0% Duplication on New Code

See analysis details on SonarQube Cloud

[dimin4241-svg]

Please preserve existing invoice footer content when adding the wire instruction.

[dimin4241-svg]

This replaces any existing draft-invoice footer that does not already contain the marker. A customer-specific footer (tax/legal wording, PO instructions, support contact, etc.) therefore gets silently deleted as soon as Stripe emits invoice.created or invoice.updated. Please append the transfer sentence to invoice.footer (while respecting Stripe’s footer length limit), or skip non-empty footers; add a test with unrelated pre-existing footer text so this content cannot be lost.