@extends('borrower.layout')
@section('content')
@if(!$user)
@if(request()->boolean('setup'))
<section class="panel"><div class="eyebrow">Borrower portal</div><h1>Set up your account</h1><p class="muted">Paid later at a store? Enter the email you used at checkout. We will email you a link to choose your password. The link works for 60 minutes.</p>
<form action="{{ route('borrower.request-setup') }}" method="post">@csrf
<div class="field"><label class="field-label" for="setup-email">Email used at checkout</label><input id="setup-email" name="email" type="email" autocomplete="email" placeholder="you@example.com" required autofocus></div>
<div class="actions"><button class="full" type="submit">Email me a setup link <span aria-hidden="true">→</span></button></div>
</form>
<p class="switch-line">Already chose a password? <a class="text-link" href="{{ route('borrower.loans') }}">Sign in</a></p></section>
@else
<section class="panel"><div class="eyebrow">Borrower portal</div><h1>Sign in to your account</h1><p class="muted">Track your loan application, see confirmed loan balances, and manage repayments. Use the email and password for your NextPayDay account.</p>
<a class="setup-callout" href="{{ route('borrower.loans', ['setup' => 1]) }}"><span><strong>First time here?</strong> Set up your account to choose a password.</span><span aria-hidden="true">→</span></a>
<form action="{{ route('borrower.sign-in') }}" method="post">@csrf
<div class="field"><label class="field-label" for="email">Email address</label><input id="email" name="email" type="email" autocomplete="username" value="{{ old('email') }}" placeholder="you@example.com" required></div>
@include('borrower.password-field', ['id' => 'password', 'name' => 'password', 'label' => 'Password', 'autocomplete' => 'current-password'])
<div class="actions"><button class="full" type="submit">Sign in <span aria-hidden="true">→</span></button></div>
</form></section>
@endif
@else
<header class="topbar"><div><div class="eyebrow">Borrower portal</div><h1>Your applications and loans</h1><p>Signed in as {{ $user->email }}</p></div><form class="mobile-signout" action="{{ route('borrower.sign-out') }}" method="post">@csrf<button class="secondary" type="submit">Sign out</button></form></header>
@php
$activeFacilities = $facilities->where("status", "active");
$balance = $activeFacilities->sum(fn($f) => $f->schedules->sum(fn($s) => $s->remainingAmountMinor()));
$nextDue = $activeFacilities->flatMap(fn($f) => $f->schedules)->filter(fn($s) => $s->remainingAmountMinor() > 0)->sortBy("due_date")->first();
@endphp
<div class="summary-grid"><div class="summary-card"><p class="summary-label">You owe (confirmed)</p><p class="summary-value">₦{{ number_format($balance / 100, 2) }}</p><p class="summary-sub">Only payments we have confirmed are deducted.</p></div><div class="summary-card"><p class="summary-label">Active loans</p><p class="summary-value">{{ $activeFacilities->count() }}</p></div><div class="summary-card"><p class="summary-label">Next payment due</p><p class="summary-value">{{ $nextDue ? $nextDue->due_date->format("d M Y") : "—" }}</p>@if($nextDue)<p class="summary-sub">₦{{ number_format($nextDue->remainingAmountMinor() / 100, 2) }}</p>@endif</div></div>
@if(!empty($virtualAccount?->account_number))
<section class="panel va-card"><div class="section-header"><h2>Your repayment account</h2></div><p class="muted">Pay by bank transfer to this account. Transfers are credited to your NextPayDay wallet, then used for your loan.</p>
<div class="loan-metrics"><div><p>Bank</p><strong>{{ $virtualAccount->bank_name }}</strong></div><div><p>Account number</p><strong id="va-number">{{ $virtualAccount->account_number }}</strong></div><div><p>Account name</p><strong>{{ $virtualAccount->account_name }}</strong></div></div>
<div class="actions"><button class="secondary" type="button" onclick="navigator.clipboard&&navigator.clipboard.writeText('{{ $virtualAccount->account_number }}').then(()=>{this.textContent='Copied'})">Copy account number</button></div></section>
@endif
<div class="section-header"><h2>Your Pay Later applications and loans</h2><p class="muted">{{ $loans->count() }} {{ $loans->count() === 1 ? "record" : "records" }}</p></div>
@forelse($loans as $loan)
@php
$facility = $facilities->get($loan->meta['credit_application_id'] ?? null);
$open = $facility ? $facility->schedules->sortBy('sequence')->filter(fn($s) => $s->remainingAmountMinor() > 0)->values() : collect();
$remaining = $open->sum(fn($s) => $s->remainingAmountMinor());
$next = $open->first();
$isActive = $facility && $facility->status === 'active';
$isDisbursed = $facility && ($isActive || $facility->status === 'closed' || $facility->activated_at !== null);
$pending = $facility ? ($pendingPayments->get($facility->id) ?? collect()) : collect();
$wallet = (float) ($walletBalance ?? 0);
$nextAmount = $next ? $next->remainingAmountMinor() / 100 : 0;
$overdue = $open->filter(fn($s) => $s->due_date->isPast() && ! $s->due_date->isToday())->count();
$applicationStatus = $loan->meta['application_status'] ?? 'submitted';
$loanLabel = $facility ? ($facility->status === 'closed' ? 'Fully repaid' : ($isActive ? 'Active' : ucfirst(str_replace('_', ' ', $facility->status)))) : ucfirst(str_replace('_', ' ', $applicationStatus));
@endphp
<section class="panel loan-card"><div class="loan-header"><div><h2>{{ $isDisbursed ? 'Loan' : 'Loan application' }} {{ $loan->reference }}</h2><p>Pay Later purchase · NextPayDay</p></div><span class="badge {{ $isActive ? 'badge-active' : ($facility && $facility->status === 'closed' ? 'badge-closed' : '') }}">{{ $loanLabel }}</span></div>
@if(!$isDisbursed)
<div class="notice"><strong>No funds have been disbursed. Nothing is due yet.</strong>
@if($facility && $facility->status === 'mandate_pending')<p>Complete Mono and Paystack mandate setup in your checkout to continue.</p>
@elseif($facility && $facility->status === 'ready_to_disburse')<p>Your application is ready for disbursement. It will appear as a loan once funds are disbursed.</p>
@elseif($facility && $facility->status === 'offered')<p>Accept your offer and complete Mono and Paystack mandate setup in your checkout to continue.</p>
@elseif(in_array($applicationStatus, ['declined', 'cancelled'], true) || ($facility && $facility->status === 'cancelled'))<p>This application is {{ $facility && $facility->status === 'cancelled' ? 'cancelled' : $applicationStatus }}.</p>
@else<p>You can track your application here while it is being reviewed.</p>@endif
</div>
<div class="loan-metrics"><div><p>{{ $facility ? 'Approved amount' : 'Requested amount' }}</p><strong>₦{{ number_format(($facility ? $facility->principal_minor : $loan->amount * 100) / 100, 2) }}</strong></div></div>
@elseif($facility)
<div class="loan-metrics"><div><p>Amount borrowed</p><strong>₦{{ number_format($facility->principal_minor / 100, 2) }}</strong></div><div><p>Still to pay</p><strong>₦{{ number_format($remaining / 100, 2) }}</strong></div><div><p>Installments left</p><strong>{{ $open->count() }} of {{ $facility->schedules->count() }}</strong></div></div>
@if($pending->isNotEmpty())<div class="notice warn" role="status"><strong>Payment awaiting confirmation</strong><p>You started a payment of ₦{{ number_format($pending->sum('amount_minor') / 100, 2) }}. Your balance has <em>not</em> changed yet. It updates as soon as the payment is confirmed, usually within a few minutes. If you already paid, refresh this page shortly instead of paying again.</p></div>@endif
@if($overdue > 0)<div class="notice error" role="alert"><strong>{{ $overdue === 1 ? '1 installment is overdue' : $overdue.' installments are overdue' }}</strong><p>Pay now to avoid extra follow-up. Paying the next installment clears the oldest overdue amount first.</p></div>@endif
<div class="scroll"><table><thead><tr><th>#</th><th>Due date</th><th>Amount</th><th>Paid so far</th><th>Status</th></tr></thead><tbody>
@foreach($facility->schedules->sortBy('sequence') as $schedule)
@php
$left = $schedule->remainingAmountMinor();
$late = $left > 0 && $schedule->due_date->isPast() && ! $schedule->due_date->isToday();
[$cls, $txt] = $left === 0 ? ['pill-paid', 'Paid'] : ($late ? ['pill-late', 'Overdue'] : ($schedule->amount_paid_minor > 0 ? ['pill-part', 'Part paid'] : ['pill-due', $next && $next->id === $schedule->id ? 'Next up' : 'Upcoming']));
@endphp
<tr><td>{{ $schedule->sequence }}</td><td>{{ $schedule->due_date->format('d M Y') }}</td><td>₦{{ number_format($schedule->amount_due_minor / 100, 2) }}</td><td>₦{{ number_format($schedule->amount_paid_minor / 100, 2) }}</td><td><span class="pill {{ $cls }}">{{ $txt }}</span></td></tr>
@endforeach
</tbody></table></div>
@if($isActive && $remaining > 0)
<div class="pay-block"><h3>Make a payment</h3><p class="muted">You will be sent to our secure payment page (Paystack) to pay by card or bank. Your loan balance changes only after the payment is confirmed.</p>
<form class="pay-options" action="{{ route('borrower.repay', ['reference' => $loan->reference]) }}" method="post">@csrf
<button class="pay-option primary-option" name="scope" value="next_installment"><span class="pay-title">Pay next installment</span><span class="pay-amount">₦{{ number_format($nextAmount, 2) }}</span><span class="pay-sub">Due {{ $next->due_date->format('d M Y') }}</span></button>
@if($open->count() > 1)<button class="pay-option" name="scope" value="full_balance"><span class="pay-title">Pay everything now</span><span class="pay-amount">₦{{ number_format($remaining / 100, 2) }}</span><span class="pay-sub">Settles all {{ $open->count() }} remaining installments</span></button>@endif
</form>
<div class="wallet-row"><div><strong>Pay from your wallet</strong><p class="muted">Balance ₦{{ number_format($wallet, 2) }}. {{ $wallet < $nextAmount ? 'Not enough for this payment. Add money in the NextPayDay app to use it.' : 'Instant, with no checkout page.' }}</p></div>
<form class="actions" action="{{ route('borrower.repay-wallet', ['reference' => $loan->reference]) }}" method="post">@csrf<button class="secondary" name="scope" value="next_installment" @disabled($wallet < $nextAmount)>Next installment</button>@if($open->count() > 1)<button class="secondary" name="scope" value="full_balance" @disabled($wallet < $remaining / 100)>Everything</button>@endif</form></div>
<p class="loan-note">Automatic collection is still switched on, so we may also collect on the due date. You will never be charged twice for the same installment.</p></div>
@elseif($facility->status === 'closed')<div class="notice ok"><strong>This loan is fully repaid.</strong><p>Nothing more to pay. Thank you.</p></div>
@endif
@endif
</section>
@empty
<section class="panel empty"><h2>No Pay Later applications or loans yet</h2><p>Your Pay Later application will appear here when you submit it. Once funds are disbursed, you can see your loan balance and repayment schedule.</p></section>
@endforelse
@endif
@php($play = config('partner_credit.play_store_url'))
@php($apple = config('partner_credit.app_store_url'))
@if(($play && parse_url($play, PHP_URL_HOST) === 'play.google.com' && parse_url($play, PHP_URL_SCHEME) === 'https') || ($apple && parse_url($apple, PHP_URL_HOST) === 'apps.apple.com' && parse_url($apple, PHP_URL_SCHEME) === 'https'))
<section class="panel app-panel"><div><h2>NextPayDay on your phone</h2><p class="muted">Use the same NextPayDay email and password to sign in. You can also manage your BNPL loan on this page.</p></div><div class="actions">
@if($play && parse_url($play, PHP_URL_HOST) === 'play.google.com' && parse_url($play, PHP_URL_SCHEME) === 'https')<a class="button secondary" href="{{ $play }}" rel="noopener noreferrer">Download on Google Play</a>@endif
@if($apple && parse_url($apple, PHP_URL_HOST) === 'apps.apple.com' && parse_url($apple, PHP_URL_SCHEME) === 'https')<a class="button secondary" href="{{ $apple }}" rel="noopener noreferrer">Download on the App Store</a>@endif
</div></section>
@endif
@endsection