refactor(payment_methods): filter applepay payment method from mca based on customer pm

[Chethan-rao]

Type of Change

• Bugfix
• New feature
• Enhancement
• Refactoring
• Dependency updates
• Documentation
• CI/CD

Description

Since we are currently not getting any differentiators for multiple mandates set via a single wallet, we will be restricting setting up recurring payment for wallet only once.

• In Merchant Payment Method list, wallet types which are already saved and in active state for a customer should not be listed

Additional Changes

• This PR modifies the API contract
• This PR modifies the database schema
• This PR modifies application configuration/environment variables

Motivation and Context

How did you test it?

1. Create mca

curl --location 'http://localhost:8080/account/merchant_1709561576/connectors' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: test_admin' \
--data '{
    "connector_type": "fiz_operations",
    "connector_name": "stripe",
    "connector_account_details": {
        "auth_type": "HeaderKey",
        "api_key": "abc"
    },
    "test_mode": false,
    "disabled": false,
    "payment_methods_enabled": [
        {
            "payment_method": "card",
            "payment_method_types": [
                {
                    "payment_method_type": "credit",
                    "card_networks": [
                        "Visa",
                        "Mastercard"
                    ],
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "debit",
                    "card_networks": [
                        "Visa",
                        "Mastercard"
                    ],
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "bank_debit",
            "payment_method_types": [
                {
                    "payment_method_type": "ach",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "minimum_amount": 0,
                    "maximum_amount": 10000
                }
            ]
        },
        {
            "payment_method": "wallet",
            "payment_method_types": [
                {
                    "payment_method_type": "apple_pay",
                    "payment_experience": "invoke_sdk_client",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "google_pay",
                    "payment_experience": "invoke_sdk_client",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        }
    ],
    "metadata": {
        "apple_pay_combined": {
            "manual": {
                "session_token_data": {
                    "initiative": "web",
                    "certificate": "certificate",
                    "display_name": "applepay",
                    "certificate_keys": "keys",
                    "initiative_context": "sdk-test-app.netlify.app",
                    "merchant_identifier": "xyz"
                },
                "payment_request_data": {
                    "label": "applepay",
                    "supported_networks": [
                        "visa",
                        "masterCard",
                        "amex",
                        "discover"
                    ],
                    "merchant_capabilities": [
                        "supports3DS"
                    ]
                }
            }
        },
        "google_pay": {
            "merchant_info": {
                "merchant_name": "Stripe"
            },
            "allowed_payment_methods": [
                {
                    "type": "CARD",
                    "parameters": {
                        "allowed_auth_methods": [
                            "PAN_ONLY",
                            "CRYPTOGRAM_3DS"
                        ],
                        "allowed_card_networks": [
                            "AMEX",
                            "DISCOVER",
                            "INTERAC",
                            "JCB",
                            "MASTERCARD",
                            "VISA"
                        ]
                    },
                    "tokenization_specification": {
                        "type": "PAYMENT_GATEWAY",
                        "parameters": {
                            "gateway": "stripe",
                            "stripe:version": "2018-10-31",
                            "stripe:publishableKey": "abc"
                        }
                    }
                }
            ]
        }
    },
    "connector_webhook_details": {
        "merchant_secret": "MyWebhookSecret"
    },
    "business_country": "US",
    "business_label": "default"
}'

2. Create a applepay wallet payment so that wallet entry gets saved in payment_methods table

curl --location 'http://localhost:8080/payments' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_UyebBGu4SpiswmyxyM5ISeJO5BoAVQO8yWX20QFoKFBwB7q50t23zvH3xRqQ6auv' \
--data-raw '{
    "amount": 650,
    "currency": "USD",
    "confirm": true,
    "business_country": "US",
    "business_label": "default",
    "amount_to_capture": 650,
    "customer_id": "{{customer_id}}",
    "capture_method": "automatic",
    "capture_on": "2022-09-10T10:11:12Z",
    "authentication_type": "three_ds",
    "return_url": "https://google.com",
    "email": "[email protected]",
    "name": "Joseph Doe",
    "phone": "999999999",
    "phone_country_code": "+65",
    "description": "Its my first payment request",
    "statement_descriptor_name": "Juspay",
    "statement_descriptor_suffix": "Router",
    "payment_method": "wallet",
    "payment_method_type": "apple_pay",
    "setup_future_usage": "on_session",
    "billing": {
        "address": {
            "line1": "1467",
            "line2": "Harrison Street",
            "line3": "Harrison Street",
            "city": "San Fransico",
            "state": "California",
            "zip": "94122",
            "country": "US",
            "first_name": "joseph",
            "last_name": "Doe"
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        }
    },
    "payment_method_data": {
        "wallet": {
            "apple_pay": {
                "payment_data": "xyz",
                "payment_method": {
                    "display_name": "Visa 0326",
                    "network": "Mastercard",
                    "type": "debit"
                },
                "transaction_identifier": "abc"
            }
        }
    },
    "customer_acceptance": {
        "acceptance_type": "offline",
        "accepted_at": "1963-05-03T04:07:52.723Z",
        "online": {
            "ip_address": "in sit",
            "user_agent": "amet irure esse"
        }
    }
}'

3. Do list_customer_payment_method. Find the wallet entry and get the payment_method_id from response
4. Now do a payment with any payment method with confirm = false
5. Do list MCA with client_secret

curl --location 'http://localhost:8080/account/payment_methods?client_secret=abc' \
--header 'Accept: application/json' \
--header 'api-key: abc' \
--data ''

6. Applepay shoudn't be listed in the result (Applepay is configured in merchant MCA and applepay payment method exists for customer, hence it has to be filtered)

Checklist

• I formatted the code cargo +nightly fmt --all
• I addressed lints thrown by cargo clippy
• I reviewed the submitted code
• I added unit tests for my changes where possible
• I added a CHANGELOG entry if applicable