Payment Methods Management

The Payment Methods Management submodule handles payment method retrieval and management for project services within the admin projects system.

🎯 Overview

This submodule provides administrative access to client payment methods associated with project subscriptions, enabling payment coordination and billing oversight.

🔧 Service Methods

Core Payment Operations

getPaymentMethods()

Retrieves payment methods associated with project accounts and subscriptions with comprehensive filtering and authorization.

Parameters:

• accountIds - Array of account identifiers for payment method retrieval
• dashclicks - User role and permission context for authorization
• subscriptionIds - Optional subscription-specific filtering
• activeOnly - Filter for active payment methods only

Key Features:

• Multi-account Support: Retrieve payment methods across multiple client accounts
• Subscription Integration: Link payment methods to specific project subscriptions
• Role-based Access: Granular permission checking based on user roles
• Active Status Filtering: Focus on currently valid and active payment methods

Response Structure:

• Payment method details including type, status, and metadata
• Account association and subscription linkage information
• Billing history and usage tracking
• Security-filtered sensitive payment information

🔐 Authorization Framework

Role Requirements

Payment method access requires appropriate PROJECT_ROLES permissions:

• Admin: Full payment method visibility across all accounts
• Account Manager: Account-specific payment method access
• Billing Specialist: Payment-focused administrative access
• Team Lead: Team-assigned account payment information

Permission Validation

• Account Access: Validates user access to specific client accounts
• Payment Data Access: Ensures proper authorization for sensitive payment information
• Subscription Association: Validates access to subscription-linked payment methods
• Data Filtering: Role-based filtering of payment method details

🏗️ Technical Architecture

Database Integration

• Payment Method Storage: Secure storage of payment method metadata
• Account Association: Links payment methods to client accounts
• Subscription Integration: Associates payment methods with project subscriptions
• Security Layer: Encrypted storage of sensitive payment information

Security Features

• Data Encryption: Secure storage and transmission of payment information
• Access Logging: Comprehensive audit trails for payment data access
• Role Validation: Multi-level authorization checks
• PCI Compliance: Adherence to payment industry security standards

📊 Data Management

Payment Method Types

The service supports various payment method types:

• Credit Cards: Visa, MasterCard, American Express, Discover
• Bank Accounts: ACH and direct bank transfer methods
• Digital Wallets: PayPal, Apple Pay, Google Pay integration
• Corporate Accounts: Business payment methods and corporate cards

Data Filtering

• Active Status: Filter for currently valid payment methods
• Account-specific: Payment methods associated with specific accounts
• Subscription-linked: Payment methods tied to active subscriptions
• Role-based: Data filtering based on user permissions and access levels

🔄 Integration Points

External Systems

• Payment Processors: Integration with Stripe, PayPal, and other payment gateways
• Banking Systems: ACH and bank account verification services
• Security Services: PCI compliance and data encryption services
• Fraud Detection: Payment fraud monitoring and prevention systems

Internal Services

• Account Management: Client account association and relationship management
• Subscription System: Project subscription and billing integration
• User Management: Role validation and permission checking
• Activity System: Payment access audit trails and logging

📈 Business Logic

Payment Method Lifecycle

1. Method Registration: Initial payment method setup and validation
2. Verification: Payment method verification and security checks
3. Association: Linking payment methods to accounts and subscriptions
4. Monitoring: Ongoing status monitoring and validation
5. Maintenance: Updates, renewals, and method management

Administrative Oversight

• Payment Health: Monitoring payment method status and validity
• Account Coordination: Ensuring proper payment method assignment
• Billing Support: Supporting billing operations with payment data
• Compliance Monitoring: Ensuring PCI and security compliance

🛡️ Security Features

Data Protection

• Encryption: End-to-end encryption of sensitive payment data
• Tokenization: Secure tokenization of payment method information
• Access Control: Granular role-based access to payment information
• Audit Logging: Comprehensive logging of all payment data access

Compliance

• PCI DSS: Payment Card Industry Data Security Standard compliance
• Data Retention: Secure data retention and disposal policies
• Access Monitoring: Continuous monitoring of payment data access
• Security Validation: Regular security audits and compliance checks

📝 Usage Examples

Retrieving Account Payment Methods

const paymentMethods = await getPaymentMethods({
  accountIds: ['acc_123', 'acc_456'],
  dashclicks: userRoles,
  activeOnly: true,
});

Subscription-specific Payment Methods

const subscriptionPayments = await getPaymentMethods({
  accountIds: ['acc_123'],
  subscriptionIds: ['sub_789'],
  dashclicks: userRoles,
});

Admin Payment Overview

const allPaymentMethods = await getPaymentMethods({
  accountIds: clientAccountIds,
  dashclicks: adminRoles,
  includeInactive: false,
});

⚠️ Important Notes

• Security Critical: Payment method data requires highest security standards
• PCI Compliance: All operations must maintain PCI DSS compliance
• Role Dependencies: Access requires appropriate PROJECT_ROLES permissions
• Audit Requirements: All payment method access generates audit trails
• Data Sensitivity: Payment information requires special handling and encryption
• Integration Dependencies: Relies on external payment processor integrations
• Status Monitoring: Payment method status requires ongoing validation and monitoring