Initial commit — Performance West telecom compliance platform

Includes: API (Express/TypeScript), Astro site, Python workers,
document generators, FCC compliance tools, Canada CRTC formation,
Ansible infrastructure, and deployment scripts.

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

api/migrations/013_payment_surcharges.sql

@@ -0,0 +1,64 @@
+-- 013_payment_surcharges.sql
+-- Payment method surcharge tracking.
+-- Phase 1 (Stripe): ACH 0%, Card 3%, Klarna 4.5%, Crypto 0%. No PayPal at launch.
+-- Phase 2 (Adyen): Klarna drops to ~4.3% effective; PayPal added via Adyen.
+
+BEGIN;
+
+-- Add payment method and surcharge columns to all order tables
+ALTER TABLE formation_orders ADD COLUMN IF NOT EXISTS payment_method TEXT CHECK (payment_method IN ('ach', 'card', 'klarna', 'crypto'));
+ALTER TABLE formation_orders ADD COLUMN IF NOT EXISTS surcharge_pct NUMERIC(5,2) DEFAULT 0;
+ALTER TABLE formation_orders ADD COLUMN IF NOT EXISTS surcharge_cents INTEGER DEFAULT 0;
+ALTER TABLE formation_orders ADD COLUMN IF NOT EXISTS stripe_payment_id TEXT;
+ALTER TABLE formation_orders ADD COLUMN IF NOT EXISTS stripe_session_id TEXT;
+
+ALTER TABLE canada_crtc_orders ADD COLUMN IF NOT EXISTS payment_method TEXT CHECK (payment_method IN ('ach', 'card', 'klarna', 'crypto'));
+ALTER TABLE canada_crtc_orders ADD COLUMN IF NOT EXISTS surcharge_pct NUMERIC(5,2) DEFAULT 0;
+ALTER TABLE canada_crtc_orders ADD COLUMN IF NOT EXISTS surcharge_cents INTEGER DEFAULT 0;
+ALTER TABLE canada_crtc_orders ADD COLUMN IF NOT EXISTS stripe_payment_id TEXT;
+ALTER TABLE canada_crtc_orders ADD COLUMN IF NOT EXISTS stripe_session_id TEXT;
+ALTER TABLE canada_crtc_orders ADD COLUMN IF NOT EXISTS payment_status TEXT DEFAULT 'pending_payment';
+
+ALTER TABLE orders ADD COLUMN IF NOT EXISTS payment_method TEXT CHECK (payment_method IN ('ach', 'card', 'klarna', 'crypto'));
+ALTER TABLE orders ADD COLUMN IF NOT EXISTS surcharge_pct NUMERIC(5,2) DEFAULT 0;
+ALTER TABLE orders ADD COLUMN IF NOT EXISTS surcharge_cents INTEGER DEFAULT 0;
+ALTER TABLE orders ADD COLUMN IF NOT EXISTS stripe_payment_id TEXT;
+ALTER TABLE orders ADD COLUMN IF NOT EXISTS stripe_session_id TEXT;
+
+ALTER TABLE bundle_orders ADD COLUMN IF NOT EXISTS payment_method TEXT CHECK (payment_method IN ('ach', 'card', 'klarna', 'crypto'));
+ALTER TABLE bundle_orders ADD COLUMN IF NOT EXISTS surcharge_pct NUMERIC(5,2) DEFAULT 0;
+ALTER TABLE bundle_orders ADD COLUMN IF NOT EXISTS surcharge_cents INTEGER DEFAULT 0;
+ALTER TABLE bundle_orders ADD COLUMN IF NOT EXISTS stripe_payment_id TEXT;
+ALTER TABLE bundle_orders ADD COLUMN IF NOT EXISTS stripe_session_id TEXT;
+
+-- Payment surcharge configuration (editable by admin)
+CREATE TABLE IF NOT EXISTS payment_surcharges (
+    id              SERIAL PRIMARY KEY,
+    method          TEXT NOT NULL UNIQUE,
+    label           TEXT NOT NULL,
+    surcharge_pct   NUMERIC(5,2) NOT NULL DEFAULT 0,
+    -- Stripe's actual cost so we can track margin
+    processor_pct   NUMERIC(5,2) NOT NULL DEFAULT 0,
+    processor_cents INTEGER NOT NULL DEFAULT 0,   -- fixed fee component in cents
+    description     TEXT,
+    active          BOOLEAN DEFAULT TRUE,
+    display_order   INTEGER DEFAULT 0
+);
+
+INSERT INTO payment_surcharges (method, label, surcharge_pct, processor_pct, processor_cents, description, display_order) VALUES
+    ('ach',    'Bank Transfer (ACH) via Stripe Link',  0.00, 0.80, 0,  'No surcharge. We absorb the ACH fee (0.8%, capped at $5).', 1),
+    ('card',   'Credit or Debit Card',                 3.00, 2.90, 30, '3% processing surcharge added at checkout.', 2),
+    ('klarna', 'Klarna — Pay in 4 or Monthly',         4.50, 5.99, 30, '4.5% surcharge. Split into 4 interest-free payments or monthly financing.', 3),
+    ('crypto', 'Cryptocurrency (BTC, ETH, USDC)',      0.00, 0.00, 0,  'No processing fee. Paid via BTCPay Server.', 4)
+ON CONFLICT (method) DO UPDATE SET
+    label           = EXCLUDED.label,
+    surcharge_pct   = EXCLUDED.surcharge_pct,
+    processor_pct   = EXCLUDED.processor_pct,
+    processor_cents = EXCLUDED.processor_cents,
+    description     = EXCLUDED.description,
+    display_order   = EXCLUDED.display_order;
+
+-- Remove stale PayPal rows if upgrading from earlier schema
+DELETE FROM payment_surcharges WHERE method IN ('paypal', 'paypal_bnpl');
+
+COMMIT;