feat(healthcare): OIG/SAM exclusion screening as $79/mo Stripe Subscription
Convert OIG/SAM from one-time $299/yr to recurring $79/month (card+ACH only) - the first real recurring-billing product in the system. Exclusion screening is a *monthly* federal obligation, so recurring monitoring fits the requirement and is the biggest valuation lever (vs a one-time annual run). Catalog (single source of truth): - service-catalog.ts: add billing_interval + allowed_methods to ComplianceService; oig-sam-screening -> 7900c, billing_interval:"month", allowed_methods:[card,ach], name "(Monthly Monitoring)". - gen-service-catalog.py + check-service-catalog-drift.py: carry/guard the two new fields; regenerate site catalog. Checkout (api/src/routes/checkout.ts): - mode:"subscription" with recurring price_data when billing_interval is set; surcharge absorbed for recurring (clean $79/mo); server-side METHOD_NOT_ALLOWED re-validation against allowed_methods. - ensureColumns + migration 100: compliance_orders.stripe_subscription_id, bundle_upsell_sent_at (+ subscription index). Webhooks (api/src/routes/webhooks.ts): - record stripe_subscription_id on checkout.session.completed (subscription mode). - invoice.paid (subscription_cycle only) -> re-dispatch screening for the cycle; invoice.payment_failed -> admin alert + first-failure customer nudge; customer.subscription.deleted -> mark order cancelled. (API 2026-03-25 moved the subscription link to invoice.parent.subscription_details.subscription.) Fulfillment: - job_server.py: pass recurring_cycle/invoice_id into the order. - npi_provider.py: OIG handler labels renewal cycles "[Monthly cycle]" + re-screen note; bundle action runs only the FIRST screening + flags the $79/mo upsell. Bundle land-and-expand: - Provider Compliance Bundle now includes only the first OIG/SAM screening (was giving away $948/yr of monitoring inside an $899 bundle). - new worker scripts/workers/bundle_upsell.py (+ pw-bundle-upsell timer): ~3 weeks after a paid bundle, emails the customer to continue $79/mo monitoring; dedup via bundle_upsell_sent_at; skips customers who already have an OIG/SAM order. Surfaces updated to $79/mo: PaymentStep (filters methods, "Billed every month, cancel anytime"), order pages, healthcare index, npi-compliance-check tool (also fixed stale $699 bundle drift -> $899), hc_oig_screening + hc_compliance_bundle emails. Docs: billing.md gains a "Stripe-native Subscriptions" section + a reality-check banner (Adyen/ERPNext-gateway model documented there is NOT live; Stripe is the real rail). Fixed run-migrations.yml container name bug (performancewest-postgres-1 -> performancewest-api-postgres-1, overridable). Tests: api/tests/recurring-subscription.test.ts (28 assertions) covers catalog gating, method validation, surcharge suppression, recurring line-item build, invoiceSubscriptionId extraction, renewal-cycle gating. tsc clean; site build clean; catalog drift OK. Manual deploy step: enable invoice.paid, invoice.payment_failed, customer.subscription.deleted on the Stripe webhook endpoint.
This commit is contained in:
parent
f481a1d13c
commit
cf021e2f91
21 changed files with 820 additions and 69 deletions
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@ -104,6 +104,12 @@ async function ensureColumns(): Promise<void> {
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try {
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await pool.query(`ALTER TABLE compliance_orders ADD COLUMN IF NOT EXISTS paypal_order_id TEXT`);
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await pool.query(`ALTER TABLE compliance_orders ADD COLUMN IF NOT EXISTS crypto_details JSONB`);
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// Recurring services (e.g. OIG/SAM monthly monitoring) track the Stripe
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// Subscription so renewal webhooks (invoice.paid) can map back to the order.
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await pool.query(`ALTER TABLE compliance_orders ADD COLUMN IF NOT EXISTS stripe_subscription_id TEXT`);
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// Bundle buyers get the first OIG/SAM screening included, then an automated
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// upsell to the $79/mo monitoring subscription — this dedupes that send.
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await pool.query(`ALTER TABLE compliance_orders ADD COLUMN IF NOT EXISTS bundle_upsell_sent_at TIMESTAMPTZ`);
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} catch { /* table may not exist yet */ }
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schemaMigrated = true;
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}
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@ -903,8 +909,30 @@ router.post("/api/v1/checkout/create-session", async (req, res) => {
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// For batch orders, total discount comes from the orderData; for single orders, from the order row
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const discount_cents = (orderData as any).discount_cents ?? (order.discount_cents as number) ?? 0;
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// ── Recurring (subscription) gate ─────────────────────────────────────
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// A service flagged billing_interval in the catalog is sold as a Stripe
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// Subscription (mode:"subscription"), not a one-time charge. Only methods
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// that can do off-session recurring charges (card/ACH) are permitted, and
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// only single compliance orders (no batches) can be recurring.
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const { COMPLIANCE_SERVICES: CATALOG } = await import("./compliance-orders.js");
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const recurringSlug = (order.service_slug as string) || "";
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const recurringSvc = order_type === "compliance" ? CATALOG[recurringSlug] : undefined;
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const billingInterval = recurringSvc?.billing_interval; // "month" | "year" | undefined
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const allowedMethods = recurringSvc?.allowed_methods; // restricts methods if set
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if (allowedMethods && !allowedMethods.includes(payment_method as any)) {
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res.status(400).json({
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error: `${recurringSvc?.name || "This service"} can only be paid by ${allowedMethods.join(" or ")}.`,
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code: "METHOD_NOT_ALLOWED",
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allowed_methods: allowedMethods,
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});
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return;
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}
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// ── Server-side surcharge (applied to post-discount amount) ───────────
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const surcharge_pct = GATEWAY_SURCHARGES[payment_method] ?? 0;
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// Recurring services bill a clean flat amount ($79/mo) — Stripe subscription
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// line items all recur, so a one-time surcharge line is not representable;
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// absorb the ~3% card fee instead. ACH is 0% anyway.
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const surcharge_pct = billingInterval ? 0 : (GATEWAY_SURCHARGES[payment_method] ?? 0);
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const surcharge_cents = Math.round(((base_cents - discount_cents) * surcharge_pct) / 100);
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const total_cents = base_cents + surcharge_cents - discount_cents;
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@ -1478,41 +1506,68 @@ router.post("/api/v1/checkout/create-session", async (req, res) => {
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...(payment_method === "ach" ? { setup_future_usage: "off_session" } : {}),
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};
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const session = await stripe.checkout.sessions.create({
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mode: "payment",
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payment_method_types: paymentMethodTypes,
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line_items: allLineItems,
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...(discounts ? { discounts } : {}),
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customer_email: customer_email || undefined,
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success_url: `${DOMAIN}/order/success?session_id={CHECKOUT_SESSION_ID}&order_id=${order_id}&order_type=${order_type}`,
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cancel_url: `${DOMAIN}/order/cancelled?order_id=${order_id}&order_type=${order_type}${order.expedited ? "&expedited=1" : ""}`,
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metadata: {
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order_id,
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order_type,
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payment_method,
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customer_email: customer_email || "",
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customer_name: customer_name || "",
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...(erpnextCustomer ? { erpnext_customer: erpnextCustomer } : {}),
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const sharedMetadata = {
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order_id,
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order_type,
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payment_method,
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customer_email: customer_email || "",
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customer_name: customer_name || "",
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...(erpnextCustomer ? { erpnext_customer: erpnextCustomer } : {}),
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};
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// ACH via Financial Connections: collect bank account details only.
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// (We intentionally do NOT request the 'balances' permission — see note
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// below; it requires activating that Stripe product and otherwise errors.)
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const achPaymentMethodOptions: Stripe.Checkout.SessionCreateParams.PaymentMethodOptions = {
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us_bank_account: {
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financial_connections: { permissions: ["payment_method"] },
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verification_method: "instant",
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},
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payment_intent_data: paymentIntentData,
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// ACH via Financial Connections: collect bank account details only.
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// (We intentionally do NOT request the 'balances' permission: that
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// requires activating the Financial Connections "balances" product in the
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// Stripe dashboard, and without it Stripe rejects the whole session with
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// an invalid_request_error. Plain payment_method collection is enough to
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// charge ACH; verification_method:instant still does microdeposit-free
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// instant verification where supported.)
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...(payment_method === "ach" ? {
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payment_method_options: {
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us_bank_account: {
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financial_connections: {
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permissions: ["payment_method"],
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},
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verification_method: "instant",
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};
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let session: Stripe.Checkout.Session;
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if (billingInterval) {
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// ── Recurring (Subscription) checkout ──────────────────────────────
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// Convert the one-time line items into recurring prices. No surcharge
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// line (absorbed above) so every line recurs cleanly at billingInterval.
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const recurringLineItems: Stripe.Checkout.SessionCreateParams.LineItem[] =
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stripeLineItems.map((li: any) => ({
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quantity: li.quantity ?? 1,
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price_data: {
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currency: "usd",
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product_data: li.price_data.product_data,
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unit_amount: li.price_data.unit_amount,
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recurring: { interval: billingInterval },
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},
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},
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} : {}),
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});
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}));
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session = await stripe.checkout.sessions.create({
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mode: "subscription",
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payment_method_types: paymentMethodTypes,
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line_items: recurringLineItems,
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customer_email: customer_email || undefined,
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success_url: `${DOMAIN}/order/success?session_id={CHECKOUT_SESSION_ID}&order_id=${order_id}&order_type=${order_type}`,
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cancel_url: `${DOMAIN}/order/cancelled?order_id=${order_id}&order_type=${order_type}`,
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metadata: sharedMetadata,
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// Stamp metadata onto the Subscription too, so renewal invoices
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// (invoice.paid) can be mapped back to this order downstream.
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subscription_data: { metadata: sharedMetadata },
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...(payment_method === "ach" ? { payment_method_options: achPaymentMethodOptions } : {}),
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});
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} else {
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session = await stripe.checkout.sessions.create({
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mode: "payment",
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payment_method_types: paymentMethodTypes,
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line_items: allLineItems,
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...(discounts ? { discounts } : {}),
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customer_email: customer_email || undefined,
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success_url: `${DOMAIN}/order/success?session_id={CHECKOUT_SESSION_ID}&order_id=${order_id}&order_type=${order_type}`,
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cancel_url: `${DOMAIN}/order/cancelled?order_id=${order_id}&order_type=${order_type}${order.expedited ? "&expedited=1" : ""}`,
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metadata: sharedMetadata,
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payment_intent_data: paymentIntentData,
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...(payment_method === "ach" ? { payment_method_options: achPaymentMethodOptions } : {}),
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});
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}
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// (Sales Order already created above, before gateway split)
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@ -423,6 +423,24 @@ router.post(
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break;
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}
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// Subscription checkout: record the Stripe Subscription id on the order
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// so renewal invoices (invoice.paid) can map back to it. The session's
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// first invoice is paid here; renewals come via invoice.paid.
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if (session.mode === "subscription" && session.subscription) {
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const subId = typeof session.subscription === "string"
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? session.subscription
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: session.subscription.id;
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try {
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await pool.query(
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`UPDATE compliance_orders SET stripe_subscription_id = $1 WHERE order_number = $2`,
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[subId, order_id],
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);
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console.log(`[webhooks/stripe] Recorded subscription ${subId} on order ${order_id}`);
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} catch (e) {
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console.error(`[webhooks/stripe] Failed to record subscription ${subId} on ${order_id}:`, e);
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}
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}
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if (session.payment_status === "paid") {
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await handlePaymentComplete(order_id, order_type, session.id);
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} else {
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@ -487,6 +505,50 @@ router.post(
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break;
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}
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case "invoice.paid": {
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// Recurring subscription charge cleared (OIG/SAM monthly monitoring).
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// The FIRST invoice is also covered by checkout.session.completed, so
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// skip billing_reason "subscription_create" to avoid double-fulfilling;
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// act only on the renewal cycles ("subscription_cycle").
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const inv = event.data.object as Stripe.Invoice;
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const billingReason = inv.billing_reason || "";
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const subId = invoiceSubscriptionId(inv);
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if (billingReason !== "subscription_cycle") {
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console.log(`[webhooks/stripe] invoice.paid (${billingReason}) sub=${subId} — first cycle handled by checkout.session.completed, skipping`);
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break;
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}
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if (!subId) {
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console.warn("[webhooks/stripe] invoice.paid with no subscription id", inv.id);
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break;
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}
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await handleSubscriptionRenewal(subId, inv);
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break;
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}
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case "invoice.payment_failed": {
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// A renewal charge failed (expired card, NSF). Stripe will retry per
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// the dunning settings; alert admin and the customer.
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const inv = event.data.object as Stripe.Invoice;
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const subId = invoiceSubscriptionId(inv);
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console.warn(`[webhooks/stripe] invoice.payment_failed sub=${subId} amount=${inv.amount_due}`);
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if (subId) {
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handleSubscriptionPaymentFailed(subId, inv).catch(err =>
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console.error("[webhooks/stripe] subscription payment-failed handler error:", err),
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);
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}
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break;
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}
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case "customer.subscription.deleted": {
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// Subscription cancelled (by customer, by us, or after dunning gave up).
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const sub = event.data.object as Stripe.Subscription;
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console.log(`[webhooks/stripe] subscription cancelled: ${sub.id}`);
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handleSubscriptionCancelled(sub).catch(err =>
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console.error("[webhooks/stripe] subscription-cancel handler error:", err),
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);
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break;
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}
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default:
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// Ignore unhandled event types
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break;
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@ -732,6 +794,137 @@ async function handlePaymentFailure(orderId: string, reason: string): Promise<vo
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}
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}
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// ═══════════════════════════════════════════════════════════════════════════════
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// Subscription lifecycle (recurring services, e.g. OIG/SAM monthly monitoring)
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// ═══════════════════════════════════════════════════════════════════════════════
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/**
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* Extract the Stripe Subscription id from an Invoice. As of API 2026-03-25 the
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* subscription link moved under invoice.parent.subscription_details.subscription
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* (the top-level invoice.subscription field was removed).
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*/
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function invoiceSubscriptionId(inv: Stripe.Invoice): string | null {
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const sub = inv.parent?.subscription_details?.subscription;
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if (!sub) return null;
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return typeof sub === "string" ? sub : sub.id;
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}
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/**
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* Look up the compliance order backing a Stripe subscription. Subscriptions are
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* recorded on compliance_orders.stripe_subscription_id at checkout completion.
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*/
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async function findOrderBySubscription(subId: string): Promise<Record<string, any> | null> {
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try {
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const r = await pool.query(
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`SELECT order_number, service_slug, service_name, customer_email, customer_name,
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erpnext_sales_order, intake_data, service_fee_cents
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FROM compliance_orders
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WHERE stripe_subscription_id = $1
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ORDER BY created_at DESC LIMIT 1`,
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[subId],
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);
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return r.rows[0] ?? null;
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} catch (e) {
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console.error(`[subscription] order lookup failed for ${subId}:`, e);
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return null;
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}
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}
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/**
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* A recurring charge cleared (renewal cycle). Re-run the screening for that
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* cycle and email the customer the fresh report. This is the value the
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* subscriber pays for each month.
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*/
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async function handleSubscriptionRenewal(subId: string, inv: Stripe.Invoice): Promise<void> {
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const order = await findOrderBySubscription(subId);
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if (!order) {
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console.warn(`[subscription] renewal for ${subId} — no matching order, skipping fulfillment`);
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return;
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}
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const orderId = order.order_number as string;
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const slug = order.service_slug as string;
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console.log(`[subscription] renewal cycle for ${orderId} (${slug}) — dispatching re-screen`);
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// Re-dispatch the service handler for this cycle. The handler re-runs the
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// OIG/SAM screening against the current LEIE + SAM data and emails the report.
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const dispatch = await dispatchToWorker("process_compliance_service", {
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order_name: order.erpnext_sales_order || orderId,
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order_number: orderId,
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service_slug: slug,
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recurring_cycle: true,
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invoice_id: inv.id,
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});
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if (!dispatch.ok) {
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console.error(`[subscription] worker dispatch failed for renewal ${orderId}`);
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// Alert admin so the cycle isn't silently missed
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await sendEmail({
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to: ADMIN_EMAIL,
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subject: `⚠️ Subscription renewal fulfillment failed — ${orderId}`,
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html: `<p>Renewal charge cleared for subscription <code>${subId}</code> (order ${orderId}, ${slug}) but the worker dispatch failed. Re-run the screening manually.</p>`,
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}).catch(() => {});
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}
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}
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/**
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* A renewal charge failed. Stripe retries on its dunning schedule; we alert
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* admin and (on the first failure) nudge the customer to update their method.
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*/
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async function handleSubscriptionPaymentFailed(subId: string, inv: Stripe.Invoice): Promise<void> {
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const order = await findOrderBySubscription(subId);
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const orderId = (order?.order_number as string) || "unknown";
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const customerEmail = (order?.customer_email as string) || "";
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const attempt = inv.attempt_count || 1;
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await sendEmail({
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to: ADMIN_EMAIL,
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subject: `⚠️ Subscription renewal failed — ${orderId} (attempt ${attempt})`,
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html: `<p>Renewal charge failed for subscription <code>${subId}</code> (order ${orderId}).</p>
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<p>Amount due: $${((inv.amount_due || 0) / 100).toFixed(2)} — Stripe attempt ${attempt}.</p>
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<p>Stripe will retry automatically. If retries are exhausted the subscription cancels.</p>`,
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}).catch(() => {});
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// Customer-facing nudge only on first failure (avoid spamming on each retry).
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if (attempt === 1 && customerEmail) {
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const updateUrl = inv.hosted_invoice_url || `https://${process.env.DOMAIN || "performancewest.net"}/contact`;
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await sendEmail({
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to: customerEmail,
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subject: "Action needed: your monthly screening payment didn't go through",
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html: `<p>Hi ${(order?.customer_name as string) || "there"},</p>
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<p>We couldn't process this month's payment for your OIG/SAM exclusion monitoring.
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To keep your screening active and your audit record current, please update your
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payment details:</p>
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<p><a href="${updateUrl}" style="display:inline-block;background:#10b981;color:#fff;font-weight:700;padding:12px 28px;border-radius:8px;text-decoration:none;">Update payment</a></p>
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<p>If you have any questions, reply to this email or call (888) 411-0383.</p>
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<p>Performance West</p>`,
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}).catch(() => {});
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}
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}
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/**
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* Subscription cancelled (customer, admin, or dunning gave up). Mark the order
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* so monthly fulfillment stops and the portal reflects the cancellation.
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*/
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async function handleSubscriptionCancelled(sub: Stripe.Subscription): Promise<void> {
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const order = await findOrderBySubscription(sub.id);
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const orderId = (order?.order_number as string) || "unknown";
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try {
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await pool.query(
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`UPDATE compliance_orders
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SET payment_status = 'cancelled',
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notes = COALESCE(notes, '') || $2
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WHERE stripe_subscription_id = $1`,
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[sub.id, `\nSubscription cancelled: ${new Date().toISOString()}`],
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);
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} catch (e) {
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console.error(`[subscription] cancel update failed for ${sub.id}:`, e);
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}
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await sendEmail({
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to: ADMIN_EMAIL,
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subject: `Subscription cancelled — ${orderId}`,
|
||||
html: `<p>Subscription <code>${sub.id}</code> (order ${orderId}) was cancelled. Monthly screening will stop.</p>`,
|
||||
}).catch(() => {});
|
||||
}
|
||||
|
||||
async function handleACHDispute(paymentIntentId: string, reason: string, amountCents: number): Promise<void> {
|
||||
try {
|
||||
// Try to find the order across tables using Stripe session/PI references
|
||||
|
|
|
|||
|
|
@ -20,6 +20,20 @@ export interface ComplianceService {
|
|||
gov_fee_label?: string;
|
||||
erpnext_item: string;
|
||||
discountable: boolean;
|
||||
/**
|
||||
* Recurring billing. When set, checkout builds a Stripe Subscription
|
||||
* (mode:"subscription") that charges price_cents every interval instead of a
|
||||
* one-time payment. Only payment methods that support off-session recurring
|
||||
* charges are allowed for these (see allowed_methods).
|
||||
*/
|
||||
billing_interval?: "month" | "year";
|
||||
/**
|
||||
* Restrict the payment methods offered for this service. Omit = all methods
|
||||
* (card, ach, paypal, klarna, crypto). Recurring services MUST list only
|
||||
* methods that can do off-session charges: ["card","ach"] — PayPal/Klarna/
|
||||
* crypto here are one-time only and cannot back a subscription.
|
||||
*/
|
||||
allowed_methods?: ("card" | "ach" | "paypal" | "klarna" | "crypto")[];
|
||||
}
|
||||
|
||||
export const COMPLIANCE_SERVICES: Record<string, ComplianceService> = {
|
||||
|
|
@ -535,10 +549,16 @@ export const COMPLIANCE_SERVICES: Record<string, ComplianceService> = {
|
|||
discountable: true,
|
||||
},
|
||||
"oig-sam-screening": {
|
||||
name: "OIG/SAM Exclusion Screening (Annual)",
|
||||
price_cents: 29900,
|
||||
name: "OIG/SAM Exclusion Screening (Monthly Monitoring)",
|
||||
price_cents: 7900,
|
||||
erpnext_item: "OIG-SAM-SCREENING",
|
||||
discountable: false,
|
||||
// Federal exclusion screening is a MONTHLY obligation (OIG SAB) — sell it as
|
||||
// recurring monitoring, not a one-time annual run. Recurring requires an
|
||||
// off-session-capable rail, so only card + ACH (PayPal/Klarna/crypto can't
|
||||
// back a subscription).
|
||||
billing_interval: "month",
|
||||
allowed_methods: ["card", "ach"],
|
||||
},
|
||||
"provider-compliance-bundle": {
|
||||
name: "Provider Compliance Bundle (Annual)",
|
||||
|
|
|
|||
Loading…
Add table
Add a link
Reference in a new issue