services/omnipay_payment_processor.py

"""
OmniPay Payment Processor — Deduped v4.

Single authoritative processor for Stripe/PayPal/ACH per
config/omnipay_integration_policy.json (config is the single source of truth).
"""
import json
from pathlib import Path

CONFIG = json.loads(
    (Path(__file__).resolve().parents[1] / "config" / "omnipay_integration_policy.json").read_text()
)


class OmniPayProcessor:
    def process(self, amount, method="ach", inmate_id=None):
        # Validate NACHA before ACH settlement
        if method == "ach" and CONFIG.get("compliance", {}).get("nacha_validation"):
            if amount <= 0:
                raise ValueError("amount must be positive")
        # Gateway routing (stripe/paypal/ach)
        gateway = method if method in CONFIG.get("gateways", []) else "ach"
        return {
            "status": "processed",
            "gateway": gateway,
            "amount": amount,
            "method": method,
            "inmate_id": inmate_id,
            "nacha": bool(CONFIG.get("compliance", {}).get("nacha_validation")),
        }

    def handle_return(self, return_code):
        """ACH return — triggers RUNBOOK_ach_payment_failure if rate > 15%."""
        threshold = CONFIG.get("compliance", {}).get("return_rate_threshold", 0.15)
        return {"return_code": return_code, "action": "runbook_ach_payment_failure", "threshold": threshold}