hesabixArc/hesabixAPI/app/services/wallet_service.py

from __future__ import annotations

from typing import Optional, Dict, Any, List
from decimal import Decimal

from sqlalchemy.orm import Session
from sqlalchemy import select, and_

from adapters.db.models.wallet import WalletAccount, WalletTransaction, WalletPayout, WalletSetting
from adapters.db.models.bank_account import BankAccount
from adapters.db.models.business import Business
from adapters.db.models.document import Document
from adapters.db.models.document_line import DocumentLine
from adapters.db.models.account import Account
from adapters.db.models.fiscal_year import FiscalYear
from app.core.responses import ApiError
from app.services.system_settings_service import get_wallet_settings
from datetime import datetime, date


def _ensure_wallet_account(db: Session, business_id: int) -> WalletAccount:
	obj = db.execute(
		select(WalletAccount).where(WalletAccount.business_id == int(business_id))
	).scalars().first()
	if obj:
		return obj
	obj = WalletAccount(
		business_id=int(business_id),
		available_balance=Decimal("0"),
		pending_balance=Decimal("0"),
		status="active",
	)
	db.add(obj)
	db.flush()
	return obj


def _get_wallet_account_for_update(db: Session, business_id: int) -> WalletAccount:
	"""
	قفل ردیفی روی حساب کیف‌پول برای جلوگیری از رقابت در به‌روزرسانی مانده‌ها
	"""
	acc = (
		db.query(WalletAccount)
		.filter(WalletAccount.business_id == int(business_id))
		.with_for_update()
		.first()
	)
	if acc:
		return acc
	# اگر وجود ندارد، ایجاد سپس تلاش مجدد برای قفل
	acc = _ensure_wallet_account(db, business_id)
	db.flush()
	try:
		acc = (
			db.query(WalletAccount)
			.filter(WalletAccount.business_id == int(business_id))
			.with_for_update()
			.first()
		) or acc
	except Exception:
		pass
	return acc


def get_wallet_overview(db: Session, business_id: int) -> Dict[str, Any]:
	_ = db.query(Business).filter(Business.id == int(business_id)).first() or None
	if _ is None:
		raise ApiError("BUSINESS_NOT_FOUND", "کسب‌وکار یافت نشد", http_status=404)
	account = _ensure_wallet_account(db, business_id)
	settings = get_wallet_settings(db)
	return {
		"business_id": business_id,
		"available_balance": float(account.available_balance or 0),
		"pending_balance": float(account.pending_balance or 0),
		"status": account.status,
		"base_currency_code": settings.get("wallet_base_currency_code"),
		"base_currency_id": settings.get("wallet_base_currency_id"),
	}


def list_wallet_transactions(
	db: Session,
	business_id: int,
	limit: int = 50,
	skip: int = 0,
	from_date: Optional[datetime] = None,
	to_date: Optional[datetime] = None,
) -> List[Dict[str, Any]]:
	q = (
		db.query(WalletTransaction)
		.filter(WalletTransaction.business_id == int(business_id))
		.order_by(WalletTransaction.id.desc())
	)
	if from_date is not None:
		q = q.filter(WalletTransaction.created_at >= from_date)
	if to_date is not None:
		q = q.filter(WalletTransaction.created_at <= to_date)
	items = q.offset(max(0, int(skip))).limit(max(1, min(200, int(limit)))).all()
	return [
		{
			"id": it.id,
			"type": it.type,
			"status": it.status,
			"amount": float(it.amount or 0),
			"fee_amount": float(it.fee_amount or 0) if it.fee_amount is not None else None,
			"description": it.description,
			"external_ref": it.external_ref,
			"document_id": it.document_id,
			"created_at": it.created_at,
			"updated_at": it.updated_at,
		}
		for it in items
	]


def get_wallet_metrics(
	db: Session,
	business_id: int,
	from_date: Optional[datetime] = None,
	to_date: Optional[datetime] = None,
) -> Dict[str, Any]:
	account = _ensure_wallet_account(db, business_id)
	# پایه: مجموع‌ها از WalletTransaction
	q = db.query(WalletTransaction).filter(WalletTransaction.business_id == int(business_id))
	if from_date is not None:
		q = q.filter(WalletTransaction.created_at >= from_date)
	if to_date is not None:
		q = q.filter(WalletTransaction.created_at <= to_date)
	transactions = q.all()
	gross_in = Decimal("0")
	fees_in = Decimal("0")
	gross_out = Decimal("0")
	fees_out = Decimal("0")

	for tx in transactions:
		amt = Decimal(str(tx.amount or 0))
		fee = Decimal(str(tx.fee_amount or 0))
		t = (tx.type or "").lower()
		st = (tx.status or "").lower()
		if st not in ("succeeded", "pending", "approved", "processing"):  # موفق/در جریان را در گزارش لحاظ می‌کنیم
			continue
		if t in ("top_up", "customer_payment"):
			gross_in += amt
			fees_in += fee if fee > 0 else Decimal("0")
		elif t in ("payout_settlement", "refund"):
			gross_out += amt
			fees_out += fee if fee > 0 else Decimal("0")
		# سایر انواع در صورت نیاز بعداً اضافه شوند

	# همچنین از wallet_payouts برای کارمزدهای تسویه استفاده کنیم
	pq = db.query(WalletPayout).filter(WalletPayout.business_id == int(business_id))
	if from_date is not None:
		pq = pq.filter(WalletPayout.created_at >= from_date)
	if to_date is not None:
		pq = pq.filter(WalletPayout.created_at <= to_date)
	for p in pq.all():
		fees_out += Decimal(str(p.fees or 0))

	net_in = gross_in - fees_in
	net_out = gross_out + fees_out  # خروجی خالصی که از کیف‌پول خارج می‌شود

	return {
		"period": {
			"from": from_date,
			"to": to_date,
		},
		"totals": {
			"gross_in": float(gross_in),
			"fees_in": float(fees_in),
			"net_in": float(net_in),
			"gross_out": float(gross_out),
			"fees_out": float(fees_out),
			"net_out": float(net_out),
		},
		"balances": {
			"available": float(account.available_balance or 0),
			"pending": float(account.pending_balance or 0),
		},
	}


def create_payout_request(
	db: Session,
	business_id: int,
	user_id: int,
	payload: Dict[str, Any],
) -> Dict[str, Any]:
	amount = Decimal(str(payload.get("amount") or 0))
	if amount <= 0:
		raise ApiError("INVALID_AMOUNT", "مبلغ نامعتبر است", http_status=400)
	bank_account_id = payload.get("bank_account_id")
	if not bank_account_id:
		raise ApiError("BANK_ACCOUNT_REQUIRED", "شناسه حساب بانکی الزامی است", http_status=400)
	bank_acc = db.query(BankAccount).filter(BankAccount.id == int(bank_account_id)).first()
	if not bank_acc:
		raise ApiError("BANK_ACCOUNT_NOT_FOUND", "حساب بانکی یافت نشد", http_status=404)
	if not bank_acc.is_active:
		raise ApiError("BANK_ACCOUNT_INACTIVE", "حساب بانکی غیرفعال است", http_status=400)

	account = _get_wallet_account_for_update(db, business_id)
	available = Decimal(str(account.available_balance or 0))
	if amount > available:
		raise ApiError("INSUFFICIENT_FUNDS", "موجودی کافی نیست", http_status=400)

	# قفل مبلغ: کسر از مانده قابل برداشت
	account.available_balance = available - amount
	db.flush()

	payout = WalletPayout(
		business_id=int(business_id),
		bank_account_id=int(bank_account_id),
		gross_amount=amount,
		fees=Decimal("0"),
		net_amount=amount,
		status="requested",
		schedule_type=str(payload.get("schedule_type") or "manual"),
		external_ref=None,
	)
	db.add(payout)
	db.flush()

	# ثبت تراکنش کنترلی
	tx = WalletTransaction(
		business_id=int(business_id),
		type="payout_request",
		status="pending",
		amount=amount,
		fee_amount=Decimal("0"),
		description=str(payload.get("description") or "درخواست تسویه"),
		external_ref=str(payout.id),
		document_id=None,
	)
	db.add(tx)
	db.flush()

	return {
		"id": payout.id,
		"status": payout.status,
		"gross_amount": float(payout.gross_amount),
		"net_amount": float(payout.net_amount),
		"bank_account_id": payout.bank_account_id,
	}


def approve_payout_request(db: Session, payout_id: int, approver_user_id: int) -> Dict[str, Any]:
	payout = db.query(WalletPayout).filter(WalletPayout.id == int(payout_id)).first()
	if not payout:
		raise ApiError("PAYOUT_NOT_FOUND", "درخواست تسویه یافت نشد", http_status=404)
	if payout.status != "requested":
		raise ApiError("INVALID_STATE", "تنها درخواست‌های در وضعیت requested قابل تایید هستند", http_status=400)
	payout.status = "approved"
	db.flush()
	return {"id": payout.id, "status": payout.status}


def cancel_payout_request(db: Session, payout_id: int, canceller_user_id: int) -> Dict[str, Any]:
	payout = db.query(WalletPayout).filter(WalletPayout.id == int(payout_id)).first()
	if not payout:
		raise ApiError("PAYOUT_NOT_FOUND", "درخواست تسویه یافت نشد", http_status=404)
	if payout.status not in ("requested", "approved"):
		raise ApiError("INVALID_STATE", "فقط درخواست‌های requested/approved قابل لغو هستند", http_status=400)

	# بازگردانی مبلغ به مانده قابل برداشت
	account = _get_wallet_account_for_update(db, payout.business_id)
	account.available_balance = Decimal(str(account.available_balance or 0)) + Decimal(str(payout.gross_amount or 0))
	db.flush()

	payout.status = "canceled"
	db.flush()
	return {"id": payout.id, "status": payout.status}


def settle_payout(db: Session, payout_id: int, user_id: int) -> Dict[str, Any]:
	payout = db.query(WalletPayout).filter(WalletPayout.id == int(payout_id)).first()
	if not payout:
		raise ApiError("PAYOUT_NOT_FOUND", "درخواست تسویه یافت نشد", http_status=404)
	if payout.status not in ("approved", "processing"):
		raise ApiError("INVALID_STATE", "تسویه تنها پس از تایید/در حال پردازش مجاز است", http_status=400)
	# ایجاد سند پرداخت برای خالص دریافتی بانک
	try:
		doc_id = _post_payout_document(
			db,
			business_id=int(payout.business_id),
			user_id=int(user_id),
			net_amount=Decimal(str(payout.net_amount or 0)),
			fee_amount=Decimal(str(payout.fees or 0)),
		)
	except Exception:
		doc_id = None
	payout.status = "settled"
	db.flush()
	# ثبت تراکنش کیف‌پول برای گزارش‌ها
	try:
		tx = WalletTransaction(
			business_id=int(payout.business_id),
			type="payout_settlement",
			status="succeeded",
			amount=Decimal(str(payout.net_amount or 0)),
			fee_amount=Decimal(str(payout.fees or 0)),
			description="تسویه کیف‌پول",
			document_id=doc_id,
		)
		db.add(tx)
		db.flush()
	except Exception:
		pass
	return {"id": payout.id, "status": payout.status, "document_id": doc_id}


def get_business_wallet_settings(db: Session, business_id: int) -> Dict[str, Any]:
	obj = db.query(WalletSetting).filter(WalletSetting.business_id == int(business_id)).first()
	if not obj:
		return {
			"business_id": business_id,
			"mode": "manual",
			"frequency": None,
			"threshold_amount": None,
			"min_reserve": None,
			"default_bank_account_id": None,
		}
	return {
		"business_id": business_id,
		"mode": obj.mode,
		"frequency": obj.frequency,
		"threshold_amount": float(obj.threshold_amount) if obj.threshold_amount is not None else None,
		"min_reserve": float(obj.min_reserve) if obj.min_reserve is not None else None,
		"default_bank_account_id": obj.default_bank_account_id,
	}


def update_business_wallet_settings(db: Session, business_id: int, payload: Dict[str, Any]) -> Dict[str, Any]:
	obj = db.query(WalletSetting).filter(WalletSetting.business_id == int(business_id)).first()
	if not obj:
		obj = WalletSetting(business_id=int(business_id))
		db.add(obj)
	mode = str(payload.get("mode") or obj.mode or "manual")
	frequency = payload.get("frequency") if payload.get("frequency") in (None, "daily", "weekly") else obj.frequency
	def _dec(v): 
		return Decimal(str(v)) if v is not None and str(v).strip() != "" else None
	obj.mode = mode
	obj.frequency = frequency
	obj.threshold_amount = _dec(payload.get("threshold_amount"))
	obj.min_reserve = _dec(payload.get("min_reserve"))
	obj.default_bank_account_id = int(payload.get("default_bank_account_id")) if payload.get("default_bank_account_id") else None
	db.flush()
	return get_business_wallet_settings(db, business_id)


def run_auto_settlement(db: Session, business_id: int, user_id: int) -> Dict[str, Any]:
	"""
	منطق ساده: اگر mode=auto و (available - min_reserve) >= threshold آنگاه به حساب پیش‌فرض تسویه کن.
	"""
	settings = get_business_wallet_settings(db, business_id)
	if (settings.get("mode") or "manual") != "auto":
		return {"executed": False, "reason": "AUTO_MODE_DISABLED"}
	threshold = Decimal(str(settings.get("threshold_amount") or 0))
	min_reserve = Decimal(str(settings.get("min_reserve") or 0))
	default_bank_account_id = settings.get("default_bank_account_id")
	if not default_bank_account_id:
		return {"executed": False, "reason": "NO_DEFAULT_BANK_ACCOUNT"}
	account = _get_wallet_account_for_update(db, business_id)
	available = Decimal(str(account.available_balance or 0))
	cand = available - min_reserve
	if cand <= 0 or cand < threshold:
		return {"executed": False, "reason": "THRESHOLD_NOT_MET", "available": float(available)}
	# ایجاد payout و تسویه
	payload = {
		"bank_account_id": int(default_bank_account_id),
		"amount": float(cand),
		"description": "تسویه خودکار",
	}
	pr = create_payout_request(db, business_id, user_id, payload)
	pa = db.query(WalletPayout).filter(WalletPayout.id == int(pr["id"])).first()
	# تایید و تسویه
	approve_payout_request(db, pa.id, user_id)
	result = settle_payout(db, pa.id, user_id)
	return {"executed": True, "payout": result}

def create_top_up_request(db: Session, business_id: int, user_id: int, payload: Dict[str, Any]) -> Dict[str, Any]:
	"""
	ایجاد درخواست افزایش اعتبار (در انتظار تایید درگاه)
	- مانده pending افزایش می‌یابد تا پس از تایید به available منتقل شود
	"""
	amount = Decimal(str(payload.get("amount") or 0))
	if amount <= 0:
		raise ApiError("INVALID_AMOUNT", "مبلغ نامعتبر است", http_status=400)
	gateway_id = payload.get("gateway_id")
	if not gateway_id:
		# اجازه می‌دهیم بدون gateway_id نیز ساخته شود، اما برای پرداخت آنلاین لازم است
		pass
	account = _get_wallet_account_for_update(db, business_id)
	account.pending_balance = Decimal(str(account.pending_balance or 0)) + amount
	db.flush()
	tx = WalletTransaction(
		business_id=int(business_id),
		type="top_up",
		status="pending",
		amount=amount,
		fee_amount=Decimal("0"),
		description=str(payload.get("description") or "افزایش اعتبار"),
		external_ref=None,
		document_id=None,
	)
	db.add(tx)
	db.flush()
	# تولید لینک درگاه پرداخت (در صورت ارسال gateway_id)
	payment_url = None
	if gateway_id:
		try:
			from app.services.payment_service import initiate_payment
			init_res = initiate_payment(
				db=db,
				business_id=int(business_id),
				tx_id=int(tx.id),
				amount=float(amount),
				gateway_id=int(gateway_id),
			)
			payment_url = init_res.payment_url
		except Exception as ex:
			# اگر ایجاد لینک شکست بخورد، مانده pending به حالت قبل برگردد و تراکنش failed شود
			try:
				account.pending_balance = Decimal(str(account.pending_balance or 0)) - amount
				if account.pending_balance < 0:
					account.pending_balance = Decimal("0")
				tx.status = "failed"
				db.flush()
			finally:
				import structlog
				logger = structlog.get_logger()
				logger.warning("gateway_initiate_failed", error=str(ex))
	return {"transaction_id": tx.id, "status": tx.status, **({"payment_url": payment_url} if payment_url else {})}


def confirm_top_up(db: Session, tx_id: int, success: bool, external_ref: str | None = None) -> Dict[str, Any]:
	"""
	تایید/لغو top-up از وبهوک درگاه
	- در موفقیت: انتقال از pending به available
	- در عدم موفقیت: کاهش از pending
	"""
	tx = db.query(WalletTransaction).filter(WalletTransaction.id == int(tx_id)).first()
	if not tx or tx.type != "top_up":
		raise ApiError("TX_NOT_FOUND", "تراکنش افزایش اعتبار یافت نشد", http_status=404)
	# Idempotency guard: if already finalized, do nothing
	if (tx.status or "").lower() in ("succeeded", "failed"):
		tx.external_ref = external_ref or tx.external_ref
		db.flush()
		return {"transaction_id": tx.id, "status": tx.status}
	account = _get_wallet_account_for_update(db, tx.business_id)
	if success:
		# move pending -> available
		gross = Decimal(str(tx.amount or 0))
		fee = Decimal(str(tx.fee_amount or 0))
		if fee < 0:
			fee = Decimal("0")
		if fee > gross:
			fee = gross
		net = gross - fee
		# Prevent negative pending due to duplicate webhook/callback
		current_pending = Decimal(str(account.pending_balance or 0))
		account.pending_balance = current_pending - gross if current_pending >= gross else Decimal("0")
		account.available_balance = Decimal(str(account.available_balance or 0)) + net
		tx.status = "succeeded"
		# create accounting document
		try:
			doc_id = _post_topup_document(db, tx.business_id, user_id=0, amount=gross, fee_amount=fee)
			tx.document_id = int(doc_id)
		except Exception:
			# اگر سند ایجاد نشد، تراکنش مالی معتبر است اما سند ندارد
			pass
	else:
		# rollback pending
		current_pending = Decimal(str(account.pending_balance or 0))
		dec_amt = Decimal(str(tx.amount or 0))
		account.pending_balance = current_pending - dec_amt if current_pending >= dec_amt else Decimal("0")
		tx.status = "failed"
	tx.external_ref = external_ref
	db.flush()
	return {"transaction_id": tx.id, "status": tx.status}


def refund_transaction(db: Session, tx_id: int, amount: Decimal | None = None, reason: str | None = None) -> Dict[str, Any]:
	"""
	استرداد تراکنش موفق (بازگشت وجه از کیف‌پول)
	- کاهش از available به میزان مبلغ استرداد
	"""
	src = db.query(WalletTransaction).filter(WalletTransaction.id == int(tx_id)).first()
	if not src or src.status != "succeeded":
		raise ApiError("TX_NOT_REFUNDABLE", "تراکنش موفق برای استرداد پیدا نشد", http_status=400)
	refund_amount = Decimal(str(amount if amount is not None else src.amount or 0))
	if refund_amount <= 0 or refund_amount > Decimal(str(src.amount or 0)):
		raise ApiError("INVALID_REFUND_AMOUNT", "مبلغ استرداد نامعتبر است", http_status=400)
	account = _ensure_wallet_account(db, src.business_id)
	available = Decimal(str(account.available_balance or 0))
	if refund_amount > available:
		raise ApiError("INSUFFICIENT_FUNDS", "موجودی کافی برای استرداد نیست", http_status=400)
	account.available_balance = float(available - refund_amount)
	db.flush()
	tx = WalletTransaction(
		business_id=int(src.business_id),
		type="refund",
		status="succeeded",
		amount=refund_amount,
		description=reason or f"استرداد تراکنش {src.id}",
		external_ref=None,
		document_id=None,
	)
	db.add(tx)
	db.flush()
	return {"refund_transaction_id": tx.id, "status": tx.status}

def _parse_iso_date_only(dt: str | datetime | date) -> date:
	try:
		if isinstance(dt, date) and not isinstance(dt, datetime):
			return dt
		if isinstance(dt, datetime):
			return dt.date()
		return datetime.fromisoformat(str(dt)).date()
	except Exception:
		return datetime.utcnow().date()


def _get_current_fiscal_year(db: Session, business_id: int) -> FiscalYear:
	fy = (
		db.query(FiscalYear)
		.filter(
			and_(
				FiscalYear.business_id == int(business_id),
				FiscalYear.is_last == True,  # noqa: E712
			)
		)
		.first()
	)
	if not fy:
		raise ApiError("FISCAL_YEAR_NOT_FOUND", "سال مالی جاری یافت نشد", http_status=400)
	return fy


def _get_fixed_account_by_code(db: Session, account_code: str) -> Account:
	acc = db.query(Account).filter(
		and_(Account.business_id == None, Account.code == str(account_code))  # noqa: E711
	).first()
	if not acc:
		raise ApiError("ACCOUNT_NOT_FOUND", f"Account with code {account_code} not found", http_status=500)
	return acc


def _resolve_wallet_currency_id(db: Session) -> int:
	settings = get_wallet_settings(db)
	cid = settings.get("wallet_base_currency_id")
	if cid:
		return int(cid)
	# fallback: resolve by code IRR
	from adapters.db.models.currency import Currency
	cur = db.query(Currency).filter(Currency.code == "IRR").first()
	if not cur:
		raise ApiError("CURRENCY_NOT_FOUND", "ارز پایه کیف‌پول یافت نشد", http_status=400)
	return int(cur.id)


def _create_simple_document(
	db: Session,
	business_id: int,
	user_id: int,
	document_type: str,  # 'receipt' | 'payment'
	currency_id: int,
	document_date: date,
	description: str | None,
	accounting_lines: list[dict],
) -> Document:
	fiscal_year = _get_current_fiscal_year(db, business_id)
	today = _parse_iso_date_only(document_date)
	prefix = f"{'RC' if document_type == 'receipt' else 'PY'}-{today.strftime('%Y%m%d')}"
	last_doc = (
		db.query(Document)
		.filter(
			and_(
				Document.business_id == business_id,
				Document.code.like(f"{prefix}-%"),
			)
		)
		.order_by(Document.code.desc())
		.first()
	)
	if last_doc:
		try:
			last_num = int(str(last_doc.code).split("-")[-1])
			next_num = last_num + 1
		except Exception:
			next_num = 1
	else:
		next_num = 1
	doc_code = f"{prefix}-{next_num:04d}"

	document = Document(
		business_id=business_id,
		fiscal_year_id=fiscal_year.id,
		code=doc_code,
		document_type=document_type,
		document_date=today,
		currency_id=int(currency_id),
		created_by_user_id=user_id,
		registered_at=datetime.utcnow(),
		is_proforma=False,
		description=description,
		extra_info={"source": "wallet"},
	)
	db.add(document)
	db.flush()

	for ln in accounting_lines:
		db.add(DocumentLine(
			document_id=document.id,
			account_id=int(ln["account_id"]),
			debit=Decimal(str(ln.get("debit", 0) or 0)),
			credit=Decimal(str(ln.get("credit", 0) or 0)),
			description=ln.get("description"),
		))
	db.flush()
	return document


def _post_topup_document(db: Session, business_id: int, user_id: int, amount: Decimal, fee_amount: Decimal | None = None, doc_date: date | None = None) -> int:
	currency_id = _resolve_wallet_currency_id(db)
	wallet_acc = _get_fixed_account_by_code(db, "10204")
	bank_acc = _get_fixed_account_by_code(db, "10203")
	fee_amt = Decimal(str(fee_amount or 0))
	net = amount - fee_amt if amount >= fee_amt else Decimal("0")
	lines = [
		# Receipt pattern with commission (per existing commission logic):
		# Dr 10204 (wallet) = net, Dr 70902 (fee expense) = fee, Cr 10203 (bank) = gross
		{"account_id": wallet_acc.id, "debit": net, "credit": 0, "description": "افزایش اعتبار (خالص)"},
	]
	if fee_amt > 0:
		commission_expense = _get_fixed_account_by_code(db, "70902")
		lines.append({"account_id": commission_expense.id, "debit": fee_amt, "credit": 0, "description": "کارمزد درگاه"})
	lines.append({"account_id": bank_acc.id, "debit": 0, "credit": amount, "description": "واریز از درگاه/بانک (ناخالص)"})
	document = _create_simple_document(
		db=db,
		business_id=business_id,
		user_id=user_id,
		document_type="receipt",
		currency_id=currency_id,
		document_date=doc_date or datetime.utcnow().date(),
		description="افزایش اعتبار کیف‌پول",
		accounting_lines=lines,
	)
	return int(document.id)


def _post_payout_document(db: Session, business_id: int, user_id: int, net_amount: Decimal, fee_amount: Decimal | None = None, doc_date: date | None = None) -> int:
	currency_id = _resolve_wallet_currency_id(db)
	wallet_acc = _get_fixed_account_by_code(db, "10204")
	bank_acc = _get_fixed_account_by_code(db, "10203")
	fee_amt = Decimal(str(fee_amount or 0))
	# Per existing commission logic for Payment: Dr bank = fee, Cr 70902 = fee
	lines = [
		{"account_id": bank_acc.id, "debit": net_amount, "credit": 0, "description": "وصول تسویه کیف‌پول (خالص)"},
		{"account_id": wallet_acc.id, "debit": 0, "credit": net_amount, "description": "انتقال از کیف‌پول"},
	]
	if fee_amt > 0:
		commission_expense = _get_fixed_account_by_code(db, "70902")
		lines.append({"account_id": bank_acc.id, "debit": fee_amt, "credit": 0, "description": "کارمزد تسویه (الگوی پرداخت)"})
		lines.append({"account_id": commission_expense.id, "debit": 0, "credit": fee_amt, "description": "کارمزد خدمات بانکی"})
	document = _create_simple_document(
		db=db,
		business_id=business_id,
		user_id=user_id,
		document_type="payment",
		currency_id=currency_id,
		document_date=doc_date or datetime.utcnow().date(),
		description="تسویه کیف‌پول به حساب بانکی",
		accounting_lines=lines,
	)
	return int(document.id)