merge: P8 订阅/recurring + 拒付 chargeback 并入(订阅生命周期/续费/取消/past_due/chargeback/事件集收口)

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_013nMthbVEmQquxBRKb9Fj8u # Conflicts: # internal/model/testdb.go # internal/provider/provider.go # internal/router/router.go # internal/store/order_query_test.go # main.go
2026-07-10 19:43:32 +08:00
parent d7bfa1b657 4a1a431f62
commit da8bbefe2e
32 changed files with 2826 additions and 52 deletions
@@ -42,10 +42,12 @@ func (p *Provider) Method() string { return "stripe" }

 func (p *Provider) Capabilities() provider.Capabilities {
 	return provider.Capabilities{
-		RenderTypes:      []provider.RenderType{provider.RenderRedirect},
-		SupportsRefund:   true, // P4:/v1/refunds
-		SettleCurrencies: []string{supportedCurrency},
-		Regions:          []string{"global"},
+		RenderTypes:       []provider.RenderType{provider.RenderRedirect},
+		SupportsRefund:    true, // P4:/v1/refunds
+		SupportsRecurring: true, // P8:Checkout mode=subscription,续费由 Stripe 网关调度
+		RecurringKind:     provider.RecurringKindGatewayScheduled,
+		SettleCurrencies:  []string{supportedCurrency},
+		Regions:           []string{"global"},
 	}
 }

@@ -108,6 +110,14 @@ func (p *Provider) Create(_ context.Context, req provider.CreateRequest) (*provi
 				},
 			},
 		}},
+		// 一次性(mode=payment)Checkout 生成的 PaymentIntent 打 out_trade_no metadata(P8
+		// Task6):dispute webhook(charge.dispute.created)只带 payment_intent id,须靠此
+		// metadata 才能反查回原订单——订阅首期/续费的 charge 由 invoice 生成,Stripe 不透传
+		// SubscriptionData.Metadata 到 PI,那类拒付的 out_trade_no 天然解析为空(honest scope,
+		// 见 VerifyCallback 的 charge.dispute.created 分支注释)。
+		PaymentIntentData: &gostripe.CheckoutSessionPaymentIntentDataParams{
+			Metadata: map[string]string{"out_trade_no": req.OutTradeNo},
+		},
 	}
 	sess, err := p.sc.CheckoutSessions.New(params)
 	if err != nil {
@@ -120,6 +130,87 @@ func (p *Provider) Create(_ context.Context, req provider.CreateRequest) (*provi
 	}, nil
 }

+// CreateSubscriptionCheckout 建 Stripe 订阅(Checkout mode=subscription):返回 redirect 收银台。
+// 订阅号(sub_...)在用户完成支付后才生成 → 经 checkout.session.completed webhook 诞生 pay 订阅。
+// 续费由 Stripe 网关驱动(invoice.paid),pay 不主动 Charge(区别于 token_offsession)。
+func (p *Provider) CreateSubscriptionCheckout(_ context.Context, req provider.CreateRequest) (*provider.Session, error) {
+	if req.Currency != supportedCurrency {
+		return nil, fmt.Errorf("stripe: 仅支持 %s, got %s", supportedCurrency, req.Currency)
+	}
+	params := &gostripe.CheckoutSessionParams{
+		Mode:              gostripe.String(string(gostripe.CheckoutSessionModeSubscription)),
+		SuccessURL:        gostripe.String(req.ReturnURL),
+		ClientReferenceID: gostripe.String(req.OutTradeNo),
+		LineItems: []*gostripe.CheckoutSessionLineItemParams{{
+			Quantity: gostripe.Int64(1),
+			PriceData: &gostripe.CheckoutSessionLineItemPriceDataParams{
+				Currency:   gostripe.String(strings.ToLower(supportedCurrency)),
+				UnitAmount: gostripe.Int64(req.AmountMinor),
+				// 最小可行:固定月付。周期(month/year)后续由 product 定价档下发,此处留 month 默认。
+				Recurring: &gostripe.CheckoutSessionLineItemPriceDataRecurringParams{
+					Interval: gostripe.String("month"),
+				},
+				ProductData: &gostripe.CheckoutSessionLineItemPriceDataProductDataParams{
+					Name: gostripe.String(req.Subject),
+				},
+			},
+		}},
+		// 订阅 metadata 带 out_trade_no,便于人工对账;续费/取消映射实际走 sub id 反查,不依赖它。
+		SubscriptionData: &gostripe.CheckoutSessionSubscriptionDataParams{
+			Metadata: map[string]string{"out_trade_no": req.OutTradeNo},
+		},
+	}
+	if v := req.Metadata["pay_sub_id"]; v != "" {
+		params.SubscriptionData.Metadata["pay_sub_id"] = v
+	}
+	sess, err := p.sc.CheckoutSessions.New(params)
+	if err != nil {
+		return nil, fmt.Errorf("stripe: 创建订阅 Checkout 失败: %w", err)
+	}
+	return &provider.Session{
+		ProviderRef: sess.ID,
+		RenderType:  provider.RenderRedirect,
+		Payload:     map[string]any{"url": sess.URL},
+	}, nil
+}
+
+// CancelSubscription 立即取消 Stripe 订阅(不等本期末)。Stripe 随后发 customer.subscription.deleted,
+// 入站处理器幂等标 canceled,与本地主动标一致收敛。
+//
+// 渠道已先行取消(dashboard 手工 / 竞态下未消费的 deleted webhook 抢先落地)时,Stripe 会拒绝
+// 二次 Cancel:识别出这类错误后 wrap 成 provider.ErrSubAlreadyCanceled(errors.Is 可判),不是
+// "取消失败"而是"取消已成立"——调用方(gateway.CancelSubscription)据此走本地收敛而非报错。
+func (p *Provider) CancelSubscription(_ context.Context, providerSubRef string) error {
+	if _, err := p.sc.Subscriptions.Cancel(providerSubRef, nil); err != nil {
+		if isAlreadyCanceledErr(err) {
+			return fmt.Errorf("%w: %v", provider.ErrSubAlreadyCanceled, err)
+		}
+		return fmt.Errorf("stripe: 取消订阅失败: %w", err)
+	}
+	return nil
+}
+
+// isAlreadyCanceledErr 判定"渠道侧订阅已处于取消终态"这一场景,对应 vendored v79
+// (github.com/stripe/stripe-go/v79 error.go)实测/文档记录的两种 *stripe.Error 形态:
+//
+//   - 订阅对象已被彻底删除(引用旧 id 查不到):Type=invalid_request_error,
+//     Code=resource_missing(有明确机器可读 Code,见 error.go ErrorCodeResourceMissing)。
+//   - 订阅对象仍在但 status=canceled(二次 Cancel 同一仍存在的订阅):Type=invalid_request_error,
+//     **无 Code**(Stripe 对这种校验类拒绝不下发机器可读 code,仅给 Msg 文案
+//     "This subscription has already been canceled."),只能按已知文案兜底、大小写不敏感匹配,
+//     避免因标点/大小写细节波动误判。
+func isAlreadyCanceledErr(err error) bool {
+	var stripeErr *gostripe.Error
+	if !errors.As(err, &stripeErr) {
+		return false
+	}
+	if stripeErr.Code == gostripe.ErrorCodeResourceMissing {
+		return true
+	}
+	return stripeErr.Type == gostripe.ErrorTypeInvalidRequest &&
+		strings.Contains(strings.ToLower(stripeErr.Msg), "already been canceled")
+}
+
 func (p *Provider) VerifyCallback(_ context.Context, in provider.CallbackInput) (*provider.PaidEvent, error) {
 	sig := in.Headers["Stripe-Signature"]
 	// stripe-go 默认 ConstructEvent 会额外校验 event.api_version == SDK 编译期常量
@@ -134,20 +225,82 @@ func (p *Provider) VerifyCallback(_ context.Context, in provider.CallbackInput)
 	if err != nil {
 		return nil, fmt.Errorf("stripe: webhook 验签失败: %w", err)
 	}
-	if event.Type != "checkout.session.completed" {
+	switch event.Type {
+	case "checkout.session.completed":
+		var sess gostripe.CheckoutSession
+		if err := json.Unmarshal(event.Data.Raw, &sess); err != nil {
+			return nil, fmt.Errorf("stripe: 解析 session 失败: %w", err)
+		}
+		ev := sessionToEvent(&sess, in.Raw)
+		if event.Created > 0 {
+			paidAt := unixToTime(event.Created)
+			ev.PaidAt = &paidAt
+		}
+		return ev, nil
+	case "invoice.paid":
+		var inv gostripe.Invoice
+		if err := json.Unmarshal(event.Data.Raw, &inv); err != nil {
+			return nil, fmt.Errorf("stripe: 解析 invoice 失败: %w", err)
+		}
+		if inv.BillingReason != gostripe.InvoiceBillingReasonSubscriptionCycle {
+			// 首期(subscription_create)由 checkout.session.completed 入账;其余非续费忽略。
+			return &provider.PaidEvent{Kind: provider.EventPayment, Status: provider.PaidPending, Raw: string(in.Raw)}, nil
+		}
+		ev := &provider.PaidEvent{
+			Kind: provider.EventSubscriptionRenewal, Status: provider.PaidSucceeded,
+			InvoiceRef: inv.ID, PaidAmountMinor: inv.Total, PaidCurrency: strings.ToUpper(string(inv.Currency)),
+			Raw: string(in.Raw),
+		}
+		if inv.Subscription != nil {
+			ev.SubscriptionRef = inv.Subscription.ID
+		}
+		if event.Created > 0 {
+			t := unixToTime(event.Created)
+			ev.PaidAt = &t
+		}
+		return ev, nil
+	case "customer.subscription.deleted":
+		var sub gostripe.Subscription
+		if err := json.Unmarshal(event.Data.Raw, &sub); err != nil {
+			return nil, fmt.Errorf("stripe: 解析 subscription 失败: %w", err)
+		}
+		return &provider.PaidEvent{Kind: provider.EventSubscriptionCanceled, SubscriptionRef: sub.ID, Raw: string(in.Raw)}, nil
+	case "invoice.payment_failed":
+		var inv gostripe.Invoice
+		if err := json.Unmarshal(event.Data.Raw, &inv); err != nil {
+			return nil, fmt.Errorf("stripe: 解析 invoice 失败: %w", err)
+		}
+		ev := &provider.PaidEvent{Kind: provider.EventSubscriptionPastDue, InvoiceRef: inv.ID, Raw: string(in.Raw)}
+		if inv.Subscription != nil {
+			ev.SubscriptionRef = inv.Subscription.ID
+		}
+		return ev, nil
+	case "charge.dispute.created":
+		// 拒付(设计 §6 决策记录):dispute payload 里 payment_intent 常只是 id 未展开,须
+		// 反查 PaymentIntents.Get 取其 metadata["out_trade_no"](Create 时已 stamp,见上方
+		// Create 的 PaymentIntentData 注释)。订阅首期/续费 charge 的 PI 不带该 metadata
+		// (Stripe 不透传 SubscriptionData.Metadata 到 PI)→ OutTradeNo 天然为空,交
+		// gateway.recordChargeback 记录但不转发(honest scope,精确定位留后续轮次)。
+		var d gostripe.Dispute
+		if err := json.Unmarshal(event.Data.Raw, &d); err != nil {
+			return nil, fmt.Errorf("stripe: 解析 dispute 失败: %w", err)
+		}
+		ev := &provider.PaidEvent{
+			Kind: provider.EventChargeback, DisputeRef: d.ID, Status: provider.PaidFailed,
+			PaidAmountMinor: d.Amount, PaidCurrency: strings.ToUpper(string(d.Currency)),
+			Reason: string(d.Reason), Raw: string(in.Raw),
+		}
+		if d.PaymentIntent != nil && d.PaymentIntent.ID != "" {
+			ev.ProviderPaymentRef = d.PaymentIntent.ID
+			if pi, err := p.sc.PaymentIntents.Get(d.PaymentIntent.ID, nil); err == nil && pi.Metadata != nil {
+				ev.OutTradeNo = pi.Metadata["out_trade_no"] // 一次性单带;订阅 charge 为空
+			}
+		}
+		return ev, nil
+	default:
 		// 其它事件此阶段不处理:归一化 pending(管线 Settle 视为 ignored)。
 		return &provider.PaidEvent{Status: provider.PaidPending, Raw: string(in.Raw)}, nil
 	}
-	var sess gostripe.CheckoutSession
-	if err := json.Unmarshal(event.Data.Raw, &sess); err != nil {
-		return nil, fmt.Errorf("stripe: 解析 session 失败: %w", err)
-	}
-	ev := sessionToEvent(&sess, in.Raw)
-	if event.Created > 0 {
-		paidAt := unixToTime(event.Created)
-		ev.PaidAt = &paidAt
-	}
-	return ev, nil
 }

 func (p *Provider) Query(_ context.Context, req provider.QueryRequest) (*provider.PaidEvent, error) {
@@ -170,11 +323,20 @@ func sessionToEvent(sess *gostripe.CheckoutSession, raw []byte) *provider.PaidEv
 	case gostripe.CheckoutSessionPaymentStatusUnpaid:
 		status = provider.PaidPending
 	}
-	return &provider.PaidEvent{
+	ev := &provider.PaidEvent{
 		ProviderRef:     sess.ID,
 		Status:          status,
 		PaidAmountMinor: sess.AmountTotal, // cent
 		PaidCurrency:    strings.ToUpper(string(sess.Currency)),
 		Raw:             string(raw),
 	}
+	// mode=subscription 的 Checkout 完成时,sess.Subscription 必被 Stripe 填充
+	// (*Subscription;字符串 id 会 unmarshal 成 &Subscription{ID:...})。一次性单
+	// (mode=payment)天然为 nil,不影响既有语义。Kind 保持零值 EventPayment——本仓
+	// 分派门(settle.go)靠 SubscriptionRef != "" 而非 Kind 判断是否触发订阅激活,
+	// 见 internal/gateway/settle.go 的 onSubscriptionActivated 调用点。
+	if sess.Subscription != nil {
+		ev.SubscriptionRef = sess.Subscription.ID
+	}
+	return ev
 }