writekit/internal/billing/wise.go

package billing

import (
	"bytes"
	"context"
	"encoding/json"
	"fmt"
	"io"
	"net/http"
	"os"
)

const wiseBaseURL = "https://api.transferwise.com"

type WiseClient struct {
	apiKey    string
	profileID string
	client    *http.Client
}

func NewWiseClient() *WiseClient {
	return &WiseClient{
		apiKey:    os.Getenv("WISE_API_KEY"),
		profileID: os.Getenv("WISE_PROFILE_ID"),
		client:    &http.Client{},
	}
}

func (c *WiseClient) IsConfigured() bool {
	return c.apiKey != "" && c.profileID != ""
}

type Quote struct {
	ID             string  `json:"id"`
	SourceAmount   float64 `json:"sourceAmount"`
	TargetAmount   float64 `json:"targetAmount"`
	Rate           float64 `json:"rate"`
	Fee            float64 `json:"fee"`
	SourceCurrency string  `json:"sourceCurrency"`
	TargetCurrency string  `json:"targetCurrency"`
}

type Transfer struct {
	ID            int64   `json:"id"`
	Status        string  `json:"status"`
	SourceValue   float64 `json:"sourceValue"`
	TargetValue   float64 `json:"targetValue"`
}

func (c *WiseClient) CreateQuote(ctx context.Context, sourceCurrency, targetCurrency string, sourceAmountCents int) (*Quote, error) {
	payload := map[string]any{
		"sourceCurrency": sourceCurrency,
		"targetCurrency": targetCurrency,
		"sourceAmount":   float64(sourceAmountCents) / 100,
		"profile":        c.profileID,
	}

	body, err := json.Marshal(payload)
	if err != nil {
		return nil, err
	}

	req, err := http.NewRequestWithContext(ctx, "POST", wiseBaseURL+"/v3/quotes", bytes.NewReader(body))
	if err != nil {
		return nil, err
	}
	c.setHeaders(req)

	resp, err := c.client.Do(req)
	if err != nil {
		return nil, err
	}
	defer resp.Body.Close()

	respBody, err := io.ReadAll(resp.Body)
	if err != nil {
		return nil, err
	}

	if resp.StatusCode != http.StatusOK {
		return nil, fmt.Errorf("quote creation failed (status %d): %s", resp.StatusCode, string(respBody))
	}

	var quote Quote
	if err := json.Unmarshal(respBody, &quote); err != nil {
		return nil, err
	}

	return &quote, nil
}

func (c *WiseClient) CreateTransfer(ctx context.Context, quoteID string, recipientID int64, reference string) (*Transfer, error) {
	payload := map[string]any{
		"targetAccount":         recipientID,
		"quoteUuid":             quoteID,
		"customerTransactionId": reference,
		"details":               map[string]any{"reference": reference},
	}

	body, err := json.Marshal(payload)
	if err != nil {
		return nil, err
	}

	req, err := http.NewRequestWithContext(ctx, "POST", wiseBaseURL+"/v1/transfers", bytes.NewReader(body))
	if err != nil {
		return nil, err
	}
	c.setHeaders(req)

	resp, err := c.client.Do(req)
	if err != nil {
		return nil, err
	}
	defer resp.Body.Close()

	respBody, err := io.ReadAll(resp.Body)
	if err != nil {
		return nil, err
	}

	if resp.StatusCode != http.StatusOK && resp.StatusCode != http.StatusCreated {
		return nil, fmt.Errorf("transfer creation failed (status %d): %s", resp.StatusCode, string(respBody))
	}

	var transfer Transfer
	if err := json.Unmarshal(respBody, &transfer); err != nil {
		return nil, err
	}

	return &transfer, nil
}

func (c *WiseClient) FundTransfer(ctx context.Context, transferID int64) error {
	url := fmt.Sprintf("%s/v3/profiles/%s/transfers/%d/payments", wiseBaseURL, c.profileID, transferID)

	payload := map[string]any{"type": "BALANCE"}
	body, err := json.Marshal(payload)
	if err != nil {
		return err
	}

	req, err := http.NewRequestWithContext(ctx, "POST", url, bytes.NewReader(body))
	if err != nil {
		return err
	}
	c.setHeaders(req)

	resp, err := c.client.Do(req)
	if err != nil {
		return err
	}
	defer resp.Body.Close()

	if resp.StatusCode != http.StatusOK && resp.StatusCode != http.StatusCreated {
		respBody, _ := io.ReadAll(resp.Body)
		return fmt.Errorf("funding failed (status %d): %s", resp.StatusCode, string(respBody))
	}

	return nil
}

func (c *WiseClient) GetTransferStatus(ctx context.Context, transferID int64) (string, error) {
	url := fmt.Sprintf("%s/v1/transfers/%d", wiseBaseURL, transferID)

	req, err := http.NewRequestWithContext(ctx, "GET", url, nil)
	if err != nil {
		return "", err
	}
	c.setHeaders(req)

	resp, err := c.client.Do(req)
	if err != nil {
		return "", err
	}
	defer resp.Body.Close()

	respBody, err := io.ReadAll(resp.Body)
	if err != nil {
		return "", err
	}

	if resp.StatusCode != http.StatusOK {
		return "", fmt.Errorf("get transfer failed (status %d): %s", resp.StatusCode, string(respBody))
	}

	var transfer Transfer
	if err := json.Unmarshal(respBody, &transfer); err != nil {
		return "", err
	}

	return transfer.Status, nil
}

func (c *WiseClient) setHeaders(req *http.Request) {
	req.Header.Set("Authorization", "Bearer "+c.apiKey)
	req.Header.Set("Content-Type", "application/json")
}