fix: use card bin to get additional card details (#3036)

Co-authored-by: hyperswitch-bot[bot] <148525504+hyperswitch-bot[bot]@users.noreply.github.com>

crates/api_models/src/payment_methods.rs

@@ -342,6 +342,8 @@ pub struct SurchargeDetailsResponse {
     pub display_surcharge_amount: f64,
     /// tax on surcharge amount for this payment
     pub display_tax_on_surcharge_amount: f64,
+    /// sum of display_surcharge_amount and display_tax_on_surcharge_amount
+    pub display_total_surcharge_amount: f64,
     /// sum of original amount,
     pub display_final_amount: f64,
 }

crates/api_models/src/payments.rs

@@ -709,6 +709,33 @@ pub struct Card {
     pub nick_name: Option<Secret<String>>,
 }
 
+impl Card {
+    fn apply_additional_card_info(&self, additional_card_info: AdditionalCardInfo) -> Self {
+        Self {
+            card_number: self.card_number.clone(),
+            card_exp_month: self.card_exp_month.clone(),
+            card_exp_year: self.card_exp_year.clone(),
+            card_holder_name: self.card_holder_name.clone(),
+            card_cvc: self.card_cvc.clone(),
+            card_issuer: self
+                .card_issuer
+                .clone()
+                .or(additional_card_info.card_issuer),
+            card_network: self
+                .card_network
+                .clone()
+                .or(additional_card_info.card_network),
+            card_type: self.card_type.clone().or(additional_card_info.card_type),
+            card_issuing_country: self
+                .card_issuing_country
+                .clone()
+                .or(additional_card_info.card_issuing_country),
+            bank_code: self.bank_code.clone().or(additional_card_info.bank_code),
+            nick_name: self.nick_name.clone(),
+        }
+    }
+}
+
 #[derive(Eq, PartialEq, Debug, serde::Deserialize, serde::Serialize, Clone, ToSchema, Default)]
 #[serde(rename_all = "snake_case")]
 pub struct CardToken {
@@ -882,6 +909,21 @@ impl PaymentMethodData {
             | Self::CardToken(_) => None,
         }
     }
+    pub fn apply_additional_payment_data(
+        &self,
+        additional_payment_data: AdditionalPaymentData,
+    ) -> Self {
+        if let AdditionalPaymentData::Card(additional_card_info) = additional_payment_data {
+            match self {
+                Self::Card(card) => {
+                    Self::Card(card.apply_additional_card_info(*additional_card_info))
+                }
+                _ => self.to_owned(),
+            }
+        } else {
+            self.to_owned()
+        }
+    }
 }
 
 pub trait GetPaymentMethodType {

crates/api_models/src/surcharge_decision_configs.rs

@@ -30,7 +30,6 @@ impl EuclidDirFilter for SurchargeDecisionConfigs {
         DirKeyKind::PaymentAmount,
         DirKeyKind::PaymentCurrency,
         DirKeyKind::BillingCountry,
-        DirKeyKind::CardType,
         DirKeyKind::CardNetwork,
         DirKeyKind::PayLaterType,
         DirKeyKind::WalletType,

crates/router/src/core/payments.rs

@@ -13,10 +13,7 @@ pub mod types;
 
 use std::{fmt::Debug, marker::PhantomData, ops::Deref, time::Instant, vec::IntoIter};
 
-use api_models::{
+use api_models::{self, enums, payments::HeaderPayload};
-    self, enums,
-    payments::{self, HeaderPayload},
-};
 use common_utils::{ext_traits::AsyncExt, pii, types::Surcharge};
 use data_models::mandates::MandateData;
 use diesel_models::{ephemeral_key, fraud_check::FraudCheck};
@@ -176,10 +173,6 @@ where
     let mut connector_http_status_code = None;
     let mut external_latency = None;
     if let Some(connector_details) = connector {
-        operation
-            .to_domain()?
-            .populate_payment_data(state, &mut payment_data, &req, &merchant_account)
-            .await?;
         payment_data = match connector_details {
             api::ConnectorCallType::PreDetermined(connector) => {
                 let schedule_time = if should_add_task_to_process_tracker {
@@ -406,7 +399,6 @@ where
 async fn populate_surcharge_details<F>(
     state: &AppState,
     payment_data: &mut PaymentData<F>,
-    request: &payments::PaymentsRequest,
 ) -> RouterResult<()>
 where
     F: Send + Clone,
@@ -416,7 +408,7 @@ where
         .surcharge_applicable
         .unwrap_or(false)
     {
-        let payment_method_data = request
+        let payment_method_data = payment_data
             .payment_method_data
             .clone()
             .get_required_value("payment_method_data")?;
@@ -437,39 +429,7 @@ where
             Err(err) => Err(err).change_context(errors::ApiErrorResponse::InternalServerError)?,
         };
 
-        let request_surcharge_details = request.surcharge_details;
+        payment_data.surcharge_details = calculated_surcharge_details;
-
-        match (request_surcharge_details, calculated_surcharge_details) {
-            (Some(request_surcharge_details), Some(calculated_surcharge_details)) => {
-                if calculated_surcharge_details
-                    .is_request_surcharge_matching(request_surcharge_details)
-                {
-                    payment_data.surcharge_details = Some(calculated_surcharge_details);
-                } else {
-                    return Err(errors::ApiErrorResponse::InvalidRequestData {
-                        message: "Invalid value provided: 'surcharge_details'. surcharge details provided do not match with surcharge details sent in payment_methods list response".to_string(),
-                    }
-                    .into());
-                }
-            }
-            (None, Some(_calculated_surcharge_details)) => {
-                return Err(errors::ApiErrorResponse::MissingRequiredField {
-                    field_name: "surcharge_details",
-                }
-                .into());
-            }
-            (Some(request_surcharge_details), None) => {
-                if request_surcharge_details.is_surcharge_zero() {
-                    return Ok(());
-                } else {
-                    return Err(errors::ApiErrorResponse::InvalidRequestData {
-                        message: "Invalid value provided: 'surcharge_details'. surcharge details provided do not match with surcharge details sent in payment_methods list response".to_string(),
-                    }
-                    .into());
-                }
-            }
-            (None, None) => return Ok(()),
-        };
     } else {
         let surcharge_details =
             payment_data
@@ -978,6 +938,10 @@ where
         payment_data,
     )
     .await?;
+    operation
+        .to_domain()?
+        .populate_payment_data(state, payment_data, merchant_account)
+        .await?;
 
     let mut router_data = payment_data
         .construct_router_data(

crates/router/src/core/payments/helpers.rs

@@ -3634,31 +3634,16 @@ pub fn get_key_params_for_surcharge_details(
 )> {
     match payment_method_data {
         api_models::payments::PaymentMethodData::Card(card) => {
-            let card_type = card
-                .card_type
-                .get_required_value("payment_method_data.card.card_type")?;
             let card_network = card
                 .card_network
                 .get_required_value("payment_method_data.card.card_network")?;
-            match card_type.to_lowercase().as_str() {
+            // surcharge generated will always be same for credit as well as debit
-                "credit" => Ok((
+            // since surcharge conditions cannot be defined on card_type
+            Ok((
                 common_enums::PaymentMethod::Card,
                 common_enums::PaymentMethodType::Credit,
                 Some(card_network),
-                )),
+            ))
-                "debit" => Ok((
-                    common_enums::PaymentMethod::Card,
-                    common_enums::PaymentMethodType::Debit,
-                    Some(card_network),
-                )),
-                _ => {
-                    logger::debug!("Invalid Card type found in payment confirm call, hence surcharge not applicable");
-                    Err(errors::ApiErrorResponse::InvalidDataValue {
-                        field_name: "payment_method_data.card.card_type",
-                    }
-                    .into())
-                }
-            }
         }
         api_models::payments::PaymentMethodData::CardRedirect(card_redirect_data) => Ok((
             common_enums::PaymentMethod::CardRedirect,

crates/router/src/core/payments/operations.rs

@@ -159,7 +159,6 @@ pub trait Domain<F: Clone, R, Ctx: PaymentMethodRetrieve>: Send + Sync {
         &'a self,
         _state: &AppState,
         _payment_data: &mut PaymentData<F>,
-        _request: &R,
         _merchant_account: &domain::MerchantAccount,
     ) -> CustomResult<(), errors::ApiErrorResponse> {
         Ok(())

crates/router/src/core/payments/operations/payment_confirm.rs

@@ -446,6 +446,21 @@ impl<F: Send + Clone, Ctx: PaymentMethodRetrieve>
         )
         .await?;
 
+        let additional_pm_data = request
+            .payment_method_data
+            .as_ref()
+            .async_map(|payment_method_data| async {
+                helpers::get_additional_payment_data(payment_method_data, &*state.store).await
+            })
+            .await;
+        let payment_method_data_after_card_bin_call = request
+            .payment_method_data
+            .as_ref()
+            .zip(additional_pm_data)
+            .map(|(payment_method_data, additional_payment_data)| {
+                payment_method_data.apply_additional_payment_data(additional_payment_data)
+            });
+
         let payment_data = PaymentData {
             flow: PhantomData,
             payment_intent,
@@ -462,7 +477,7 @@ impl<F: Send + Clone, Ctx: PaymentMethodRetrieve>
                 billing: billing_address.as_ref().map(|a| a.into()),
             },
             confirm: request.confirm,
-            payment_method_data: request.payment_method_data.clone(),
+            payment_method_data: payment_method_data_after_card_bin_call,
             force_sync: None,
             refunds: vec![],
             disputes: vec![],
@@ -593,10 +608,9 @@ impl<F: Clone + Send, Ctx: PaymentMethodRetrieve> Domain<F, api::PaymentsRequest
         &'a self,
         state: &AppState,
         payment_data: &mut PaymentData<F>,
-        request: &api::PaymentsRequest,
         _merchant_account: &domain::MerchantAccount,
     ) -> CustomResult<(), errors::ApiErrorResponse> {
-        populate_surcharge_details(state, payment_data, request).await
+        populate_surcharge_details(state, payment_data).await
     }
 }
 

crates/router/src/core/payments/operations/payment_create.rs

@@ -167,7 +167,7 @@ impl<F: Send + Clone, Ctx: PaymentMethodRetrieve>
         )
         .await?;
 
-        let payment_attempt_new = Self::make_payment_attempt(
+        let (payment_attempt_new, additional_payment_data) = Self::make_payment_attempt(
             &payment_id,
             merchant_id,
             money,
@@ -290,6 +290,14 @@ impl<F: Send + Clone, Ctx: PaymentMethodRetrieve>
             payments::SurchargeDetails::from((&request_surcharge_details, &payment_attempt))
         });
 
+        let payment_method_data_after_card_bin_call = request
+            .payment_method_data
+            .as_ref()
+            .zip(additional_payment_data)
+            .map(|(payment_method_data, additional_payment_data)| {
+                payment_method_data.apply_additional_payment_data(additional_payment_data)
+            });
+
         let payment_data = PaymentData {
             flow: PhantomData,
             payment_intent,
@@ -306,7 +314,7 @@ impl<F: Send + Clone, Ctx: PaymentMethodRetrieve>
                 billing: billing_address.as_ref().map(|a| a.into()),
             },
             confirm: request.confirm,
-            payment_method_data: request.payment_method_data.clone(),
+            payment_method_data: payment_method_data_after_card_bin_call,
             refunds: vec![],
             disputes: vec![],
             attempts: None,
@@ -604,7 +612,10 @@ impl PaymentCreate {
         request: &api::PaymentsRequest,
         browser_info: Option<serde_json::Value>,
         state: &AppState,
-    ) -> RouterResult<storage::PaymentAttemptNew> {
+    ) -> RouterResult<(
+        storage::PaymentAttemptNew,
+        Option<api_models::payments::AdditionalPaymentData>,
+    )> {
         let created_at @ modified_at @ last_synced = Some(common_utils::date_time::now());
         let status =
             helpers::payment_attempt_status_fsm(&request.payment_method_data, request.confirm);
@@ -616,7 +627,8 @@ impl PaymentCreate {
             .async_map(|payment_method_data| async {
                 helpers::get_additional_payment_data(payment_method_data, &*state.store).await
             })
-            .await
+            .await;
+        let additional_pm_data_value = additional_pm_data
             .as_ref()
             .map(Encode::<api_models::payments::AdditionalPaymentData>::encode_to_value)
             .transpose()
@@ -631,7 +643,8 @@ impl PaymentCreate {
             utils::get_payment_attempt_id(payment_id, 1)
         };
 
-        Ok(storage::PaymentAttemptNew {
+        Ok((
+            storage::PaymentAttemptNew {
                 payment_id: payment_id.to_string(),
                 merchant_id: merchant_id.to_string(),
                 attempt_id,
@@ -649,7 +662,7 @@ impl PaymentCreate {
                 browser_info,
                 payment_experience: request.payment_experience,
                 payment_method_type,
-            payment_method_data: additional_pm_data,
+                payment_method_data: additional_pm_data_value,
                 amount_to_capture: request.amount_to_capture,
                 payment_token: request.payment_token.clone(),
                 mandate_id: request.mandate_id.clone(),
@@ -659,7 +672,9 @@ impl PaymentCreate {
                     .as_ref()
                     .and_then(|inner| inner.mandate_type.clone().map(Into::into)),
                 ..storage::PaymentAttemptNew::default()
-        })
+            },
+            additional_pm_data,
+        ))
     }
 
     #[instrument(skip_all)]

crates/router/src/core/payments/types.rs

@@ -219,6 +219,8 @@ impl ForeignTryFrom<(&SurchargeDetails, &PaymentAttempt)> for SurchargeDetailsRe
             tax_on_surcharge: surcharge_details.tax_on_surcharge.clone(),
             display_surcharge_amount,
             display_tax_on_surcharge_amount,
+            display_total_surcharge_amount: display_surcharge_amount
+                + display_tax_on_surcharge_amount,
             display_final_amount,
         })
     }