Date: March 16, 2026
Commit: 3aee64f
Status: ✅ Foundation Complete - Ready for UI Development

🎯 Overview

Successfully implemented the foundation for Stripe Connect payment processing with multi-tenant support. The platform now has all the backend infrastructure needed for tenant onboarding, payment processing, recurring billing, and webhook event handling.

Architecture: Stripe Connect Platform Model

Single platform Stripe account manages all payments
Tenants connect via OAuth (no API keys stored)
Payments automatically route to correct tenant account
Platform can collect application fees (2-5%)
Full PCI compliance handled by Stripe

✅ Completed Tasks

1. Stripe SDK Installation

Package: stripe@20.4.1 (latest stable)
Configuration: Environment variables added to .env
- STRIPE_TEST_PUBLISHABLE_KEY - Frontend Stripe.js initialization
- STRIPE_TEST_SECRET_KEY - Backend API operations
- STRIPE_WEBHOOK_SECRET - Snapshot webhook signature (primary)
- STRIPE_WEBHOOK_SECRET_THIN - Thin webhook signature (backup)

2. Database Migration

File: migrations/2026_03_16_add_stripe_connect_tables.sql
Status: ✅ Applied to production database

Created Tables:

stripe_config (Tenant Connect Account Configuration)

Stores stripe_account_id per tenant (no encrypted API keys)
Tracks account verification status (charges_enabled, payouts_enabled)
Monitors onboarding requirements
Captures application fee configuration
Foreign Keys: tenant_id → tenants (UUID)

payment_methods (Stored Payment Methods)

Customer cards and bank accounts
Supports: card, us_bank_account, sepa_debit, ach_debit
Card details: brand, last4, expiration
Default payment method flag
Foreign Keys: tenant_id → tenants (UUID), customer_id → customers (INT)

payments (Transaction Records)

All payment transactions (one-time + recurring)
Links to invoices, subscriptions, Connected Accounts
Tracks fees (application fee + Stripe fee = net amount)
Payment status: pending, processing, succeeded, failed, refunded
Refund tracking and receipt URLs
Foreign Keys: tenant_id → tenants (UUID), customer_id → customers, invoice_id → invoices

stripe_subscriptions (Recurring Billing)

Monthly/yearly subscription tracking
Status: active, past_due, canceled, trialing
Billing cycle dates and next charge date
Trial period support
Quantity-based pricing (seats)
Links to contracts table for business logic
Foreign Keys: tenant_id → tenants (UUID), customer_id → customers, contract_id → contracts

stripe_webhook_events (Audit Log)

Complete event log from Stripe
Idempotency detection (prevents duplicate processing)
Processing status: received, processed, failed, ignored
Full event payload stored as JSONB
Retry tracking for failed processing
Used for debugging and compliance audits

Key Schema Decisions:

Used UUID for tenant_id (matches tenants table)
Used INTEGER for customer_id, user_id, invoice_id, contract_id
Auto-updating updated_at triggers on all tables
JSONB metadata fields for Stripe custom data
Comprehensive constraints and indexes for performance

3. Webhook Handler

File: routes/stripe-webhook.js
Endpoint: POST /api/stripe/webhook
Status: ✅ Implemented and registered

Features:

Signature Verification: Validates Stripe-Signature header with webhook secrets
Dual Secret Support: Tries snapshot webhook first, falls back to thin webhook
Idempotency: Checks stripe_webhook_events table for duplicate event IDs
Event Processing: Routes events to appropriate handlers
Error Handling: Logs failures, returns 500 for Stripe retry logic
Comprehensive Logging: All events logged to database with full payload

Supported Event Types:

✅ payment_intent.succeeded - Payment completed
✅ payment_intent.payment_failed - Payment failed
✅ customer.subscription.created - New subscription
✅ customer.subscription.updated - Subscription modified
✅ customer.subscription.deleted - Subscription canceled
✅ invoice.payment_succeeded - Recurring invoice paid
✅ invoice.payment_failed - Recurring invoice failed
✅ account.updated - Connected Account status changed
✅ charge.succeeded - Direct charge completed
✅ charge.failed - Direct charge failed

Note: All handlers have TODO sections for database operations. These will be implemented as part of Phase 2 (invoice/contract integration).

Documentation:

File-level JSDoc: Complete module overview, architecture, security, flow
Function JSDoc: Every handler function documented with
Parameters

returns,
Exceptions

Examples: Code examples for webhook configuration and usage
Doxygen Compatible: All documentation follows Doxygen standards for auto-generation

4. Stripe Service

File: services/stripeService.js
Status: ✅ Complete with full functionality

Methods Implemented:

Account Management:

createConnectAccount(email, country, accountType, businessProfile) - Create Standard/Express Connected Account
createAccountLink(accountId, returnUrl, refreshUrl, type) - Generate OAuth onboarding link
retrieveAccount(accountId) - Fetch account status and requirements
updateAccountConfig(tenantId, account) - Sync account status to database

Payment Processing:

createPaymentIntent(amount, currency, stripeAccountId, options) - Route payment to tenant account
createCustomer(email, stripeAccountId, options) - Create customer on Connected Account
attachPaymentMethod(paymentMethodId, customerId, stripeAccountId, setAsDefault) - Save payment method

Subscription Management:

createSubscription(customerId, priceId, stripeAccountId, options) - Start recurring billing

Key Features:

All operations route via stripeAccount parameter (tenant isolation)
Application fee collection built-in
Comprehensive error handling and logging
Platform-level operations (no tenant credentials needed)

Documentation:

Class-level JSDoc: Architecture overview, payment flow, fee structure
Method JSDoc: Every method has
Parameters

returns,
Exceptions