freightdesk/supabase/migrations/006_payment_escrow.sql

-- ============================================================
-- FreightDesk — Migration 006: Payment Escrow System
-- Escrow payments, transactions, settlements, payouts
-- ============================================================

-- ============================================================
-- 1. ESCROW ACCOUNTS (one per user — shipper or driver)
-- ============================================================
CREATE TABLE IF NOT EXISTS escrow_accounts (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  user_id UUID NOT NULL,
  role TEXT NOT NULL CHECK (role IN ('shipper', 'driver')),
  balance INTEGER DEFAULT 0,          -- available balance in paise
  held_balance INTEGER DEFAULT 0,     -- funds in escrow (in paise)
  total_deposited INTEGER DEFAULT 0,
  total_withdrawn INTEGER DEFAULT 0,
  created_at TIMESTAMP WITH TIME ZONE DEFAULT NOW(),
  updated_at TIMESTAMP WITH TIME ZONE DEFAULT NOW(),
  UNIQUE(user_id, role)
);

CREATE INDEX IF NOT EXISTS idx_escrow_user ON escrow_accounts(user_id);

-- ============================================================
-- 2. ESCROW TRANSACTIONS
-- ============================================================
CREATE TABLE IF NOT EXISTS escrow_transactions (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  escrow_account_id UUID REFERENCES escrow_accounts(id),
  load_id UUID REFERENCES loads(id),
  bid_id UUID REFERENCES bids(id),
  type TEXT NOT NULL CHECK (type IN (
    'deposit',        -- shipper deposits funds
    'hold',           -- funds moved to escrow hold
    'release',        -- funds released to driver
    'refund',         -- funds refunded to shipper
    'payout',         -- driver withdraws to bank
    'platform_fee',   -- FreightDesk commission
    'adjustment'      -- manual admin adjustment
  )),
  amount INTEGER NOT NULL,            -- in paise
  status TEXT DEFAULT 'pending' CHECK (status IN ('pending', 'completed', 'failed', 'reversed')),
  reference_id TEXT,                  -- external payment reference
  metadata JSONB DEFAULT '{}',
  created_at TIMESTAMP WITH TIME ZONE DEFAULT NOW(),
  completed_at TIMESTAMP WITH TIME ZONE DEFAULT NOW()
);

CREATE INDEX IF NOT EXISTS idx_escrow_tx_account ON escrow_transactions(escrow_account_id);
CREATE INDEX IF NOT EXISTS idx_escrow_tx_load ON escrow_transactions(load_id);
CREATE INDEX IF NOT EXISTS idx_escrow_tx_type ON escrow_transactions(type);
CREATE INDEX IF NOT EXISTS idx_escrow_tx_status ON escrow_transactions(status);

-- ============================================================
-- 3. PAYOUT REQUESTS (driver withdrawal requests)
-- ============================================================
CREATE TABLE IF NOT EXISTS payout_requests (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  user_id UUID NOT NULL,
  driver_id UUID REFERENCES vehicles(id),
  amount INTEGER NOT NULL,
  status TEXT DEFAULT 'pending' CHECK (status IN ('pending', 'approved', 'rejected', 'processed')),
  bank_name TEXT,
  account_number TEXT,
  ifsc_code TEXT,
  upi_id TEXT,
  processed_by UUID,
  processed_at TIMESTAMP WITH TIME ZONE,
  notes TEXT,
  created_at TIMESTAMP WITH TIME ZONE DEFAULT NOW()
);

CREATE INDEX IF NOT EXISTS idx_payout_driver ON payout_requests(driver_id);
CREATE INDEX IF NOT EXISTS idx_payout_status ON payout_requests(status);

-- ============================================================
-- 4. PLATFORM CONFIG (fee settings)
-- ============================================================
CREATE TABLE IF NOT EXISTS platform_config (
  key TEXT PRIMARY KEY,
  value TEXT NOT NULL,
  description TEXT,
  updated_at TIMESTAMP WITH TIME ZONE DEFAULT NOW()
);

-- Default fee settings
INSERT INTO platform_config (key, value, description) VALUES
  ('escrow.platform_fee_percent', '5', 'Platform commission percentage'),
  ('escrow.min_deposit_amount', '10000', 'Minimum deposit amount in paise (₹100)'),
  ('escrow.hold_period_hours', '72', 'Hours to hold funds after delivery before auto-release'),
  ('escrow.payout_min_amount', '50000', 'Minimum payout request in paise (₹500)'),
  ('escrow.payout_fee', '0', 'Payout processing fee in paise')
ON CONFLICT (key) DO NOTHING;

-- ============================================================
-- 5. LOAD PAYMENT STATUS (tracks payment state per load)
-- ============================================================
ALTER TABLE loads ADD COLUMN IF NOT EXISTS payment_status TEXT DEFAULT 'none'
  CHECK (payment_status IN ('none', 'deposited', 'in_escrow', 'released', 'refunded', 'disputed'));

ALTER TABLE loads ADD COLUMN IF NOT EXISTS escrow_amount INTEGER;
ALTER TABLE loads ADD COLUMN IF NOT EXISTS platform_fee INTEGER;
ALTER TABLE loads ADD COLUMN IF NOT EXISTS settled_at TIMESTAMP WITH TIME ZONE;

-- ============================================================
-- 6. DISPUTES TABLE
-- ============================================================
CREATE TABLE IF NOT EXISTS disputes (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  load_id UUID NOT NULL REFERENCES loads(id),
  raised_by UUID NOT NULL,
  raised_against UUID NOT NULL,
  reason TEXT NOT NULL,
  status TEXT DEFAULT 'open' CHECK (status IN ('open', 'under_review', 'resolved', 'closed')),
  resolution TEXT,
  resolved_by UUID,
  resolved_at TIMESTAMP WITH TIME ZONE,
  created_at TIMESTAMP WITH TIME ZONE DEFAULT NOW()
);

CREATE INDEX IF NOT EXISTS idx_disputes_load ON disputes(load_id);
CREATE INDEX IF NOT EXISTS idx_disputes_status ON disputes(status);