Payouts

import MoneiSDK from 'monei-sdk';

const monei = new MoneiSDK({
  apiKey: process.env.MONEI_API_KEY,
});

// Get list of supported banks
const banks = await monei.walletUtility.getBanks();

banks.forEach(bank => {
  console.log(`${bank.name} - ${bank.code}`);
});

// Verify bank account
const verification = await monei.walletUtility.verifyBankAccount({
  accountNumber: '0123456789',
  bank: '058' // GTBank code
});

console.log('Account Name:', verification.accountName);
console.log('Account Number:', verification.accountNumber);
console.log('Bank:', verification.bankName);

// Send money to bank account
const payout = await monei.payout.bankTransfer({
  amount: 50000,
  bank: '058',
  accountNumber: '0123456789',
  transactionPin: '1234',
  narration: 'Payment for services',
  reference: 'PAY-' + Date.now() // Optional
});

console.log('Transaction Reference:', payout.reference);
console.log('Status:', payout.status);
console.log('Amount:', payout.amount);

// Send money to another Monei user
const transfer = await monei.payout.peerTransfer({
  receiver: 'user@example.com', // or phone: '+2348012345678'
  amount: 10000,
  transactionPin: '1234',
  currency: 'NGN'
});

console.log('Reference:', transfer.reference);
console.log('Status:', transfer.status);
console.log('Recipient:', transfer.recipient);

// Get current limits and usage
const limits = await monei.user.getKycLimits();

console.log('KYC Tier:', limits.tier);
console.log('Daily Limit:', limits.dailyLimit);
console.log('Used Today:', limits.dailyUsed);
console.log('Remaining Today:', limits.dailyRemaining);
console.log('Monthly Limit:', limits.monthlyLimit);
console.log('Used This Month:', limits.monthlyUsed);

// Check if payout is within limits
const amount = 100000;
if (amount > limits.dailyRemaining) {
  console.log('Amount exceeds daily limit');
  console.log('Maximum you can send today:', limits.dailyRemaining);
}

// Get payout status by transaction ID
const transaction = await monei.transactions.getStatus(transactionId);

console.log('Status:', transaction.state);
console.log('Amount:', transaction.amount);
console.log('Recipient:', transaction.metadata.recipientName);
console.log('Bank:', transaction.metadata.bankName);
console.log('Created:', transaction.createdAt);

if (transaction.state === 'completed') {
  console.log('Payout successful!');
} else if (transaction.state === 'failed') {
  console.log('Payout failed:', transaction.errorMessage);
}

app.post('/webhooks/monei', (req, res) => {
  const event = req.body;
  
  // Verify webhook signature
  const signature = req.headers['x-monei-signature'];
  if (!verifySignature(event, signature)) {
    return res.status(401).send('Invalid signature');
  }
  
  // Handle payout events
  if (event.type === 'payout.completed') {
    console.log('Payout completed!');
    console.log('Reference:', event.data.reference);
    console.log('Amount:', event.data.amount);
    console.log('Recipient:', event.data.recipient);
    
    // Update your records
    // Notify recipient
  }
  
  if (event.type === 'payout.failed') {
    console.log('Payout failed!');
    console.log('Reference:', event.data.reference);
    console.log('Reason:', event.data.failureReason);
    
    // Handle failure
    // Notify user
  }
  
  res.status(200).send('OK');
});