@extends('checkout.layout')
@php($partnerName = $session->partner->name)
@php($providerName = ['mono' => 'Mono', 'paystack' => 'Paystack'][$provider ?? ''] ?? 'your bank')
@php($downPaymentMinor = (int) ($application->down_payment_minor ?? 0))
@php($labels = $downPaymentMinor > 0 ? ['Bank statement', 'Your offer', 'Down payment', 'Repayment setup'] : ['Bank statement', 'Your offer', 'Repayment setup'])
@php($of = count($labels))
@php($order = ['identity' => 1, 'statement' => 1, 'statement_fetching' => 1, 'review' => 1, 'preparing_offer' => 2, 'offer' => 2, 'down_payment' => 3, 'mandate' => $of])
@php($position = $order[$step] ?? null)
@php($naira = fn ($minor) => '₦'.number_format(((int) $minor) / 100, 2))
@section('title', 'Pay Later checkout')
@if(in_array($step, ['preparing_offer', 'review'], true))
@section('refresh', '20')
@elseif($step === 'statement_fetching')
@section('refresh', '8')
@elseif($step === 'mandate' && $mandate?->authorization_url)
@section('refresh', '15')
@endif
@section('content')
@if($position)
<ol class="steps" aria-label="Checkout progress">
@foreach($labels as $i => $label)
<li class="{{ $i + 1 < $position ? 'done' : ($i + 1 === $position ? 'current' : '') }}" @if($i + 1 === $position) aria-current="step" @endif>{{ $label }}</li>
@endforeach
</ol>
@endif

@switch($step)
@case('identity')
@php($saved = session('npd_checkout_access.bank.'.$session->reference, []))
<section class="panel"><div class="eyebrow">Before we start</div><h1>Confirm it is you</h1>
@if($identityFailed)<div class="notice error" role="alert"><strong>We could not confirm your identity</strong><p>Check that the BVN and the account are yours, then try again.</p></div>@endif
<p class="muted">To pay {{ $naira($application->requested_amount_minor) }} later at {{ $partnerName }}, NextPayDay checks your BVN against the bank account you repay from. This is a regulatory requirement.</p>
<form action="{{ route('checkout.identity', $session->reference) }}" method="post">@csrf
<div class="field"><label class="field-label" for="bvn">BVN</label><input id="bvn" name="bvn" inputmode="numeric" pattern="[0-9]{11}" maxlength="11" autocomplete="off" required><p class="field-help">Your 11-digit Bank Verification Number. It is never shared with {{ $partnerName }}.</p></div>
<div class="field"><label class="field-label" for="bank_code">Bank</label>
@if($banks)
<select id="bank_code" name="bank_code" required><option value="">Choose your bank</option>
@foreach($banks as $bank)<option value="{{ $bank['code'] }}" @selected(old('bank_code', $saved['bank_code'] ?? '') === $bank['code'])>{{ $bank['name'] }}</option>@endforeach
</select>
@else
<p class="notice warn">We could not load the bank list. Refresh the page in a moment.</p>
@endif
</div>
<div class="field"><label class="field-label" for="account_number">Account number</label><input id="account_number" name="account_number" inputmode="numeric" pattern="[0-9]{10}" maxlength="10" value="{{ old('account_number', $saved['account_number'] ?? '') }}" required><p class="field-help">Use the account your income is paid into.</p></div>
<label class="consent"><input type="checkbox" name="consent" value="1" required><span>I agree that NextPayDay verifies my identity with my BVN and this bank account.</span></label>
<div class="actions"><button class="full" type="submit" @disabled(! $banks)>Continue <span aria-hidden="true">→</span></button></div>
</form></section>
@break

@case('statement')
@php($saved = session('npd_checkout_access.bank.'.$session->reference, []))
@php($tenure = (int) old('tenure_months', data_get($application->metadata, 'tenure_months', 3)))
@if(($bankStatement['status'] ?? null) === 'awaiting_ticket')
<section class="panel"><div class="eyebrow">Step 1 of {{ $of }}</div><h1>Enter the ticket from your bank</h1>
<p class="muted">We asked {{ $bankStatement['bank_name'] ?? 'your bank' }} for the statement of the account ending {{ $bankStatement['account_last4'] ?? '' }}. Your bank has sent a text message with a ticket number and a password. It can take a few minutes to arrive.</p>
<form action="{{ route('checkout.statement.ticket', $session->reference) }}" method="post">@csrf
<div class="field"><label class="field-label" for="ticket_number">Ticket number</label><input id="ticket_number" name="ticket_number" autocomplete="off" required></div>
<div class="field"><label class="field-label" for="ticket_password">Ticket password</label><input id="ticket_password" name="ticket_password" autocomplete="off" required></div>
<div class="actions"><button class="full" type="submit">Get my statement <span aria-hidden="true">→</span></button></div>
</form>
<form action="{{ route('checkout.statement.restart', $session->reference) }}" method="post" style="text-align:center">@csrf<button class="text-button" type="submit">No text? Use another account or upload a PDF</button></form>
</section>
@else
<section class="panel"><div class="eyebrow">Step 1 of {{ $of }}</div><h1>Check what you can borrow</h1>
<p class="muted">Pay {{ $naira($application->requested_amount_minor) }} later at {{ $partnerName }}. We need your last 6 months of bank statements to work out an affordable plan.</p>
@if(($bankStatement['status'] ?? null) === 'failed')<div class="notice error" role="alert"><p>{{ $bankStatement['error'] ?? 'We could not get your statement from your bank.' }}</p></div>@endif
@if($bankStatementAvailable && $banks)
<form action="{{ route('checkout.statement.bank', $session->reference) }}" method="post">@csrf
<h2>Get it from your bank <small class="muted">(fastest)</small></h2>
<p class="muted">Your bank sends the statement to us directly. You will get a text with a ticket to confirm it.</p>
<div class="field"><label class="field-label" for="tenure_months">How many months do you want to pay over?</label>
<select id="tenure_months" name="tenure_months" required>
@foreach($tenures as $months)<option value="{{ $months }}" @selected($tenure === $months)>{{ $months }} {{ $months === 1 ? 'month' : 'months' }}</option>@endforeach
</select></div>
<div class="field"><label class="field-label" for="bank_code">Bank</label>
<select id="bank_code" name="bank_code" required><option value="">Choose your bank</option>
@foreach($banks as $bank)<option value="{{ $bank['code'] }}" @selected(old('bank_code', $saved['bank_code'] ?? '') === $bank['code'])>{{ $bank['name'] }}</option>@endforeach
</select></div>
<div class="field"><label class="field-label" for="account_number">Account number</label><input id="account_number" name="account_number" inputmode="numeric" pattern="[0-9]{10}" maxlength="10" value="{{ old('account_number', $saved['account_number'] ?? '') }}" required><p class="field-help">Use the account your income is paid into.</p></div>
<div class="actions"><button class="full" type="submit">Send me the ticket <span aria-hidden="true">→</span></button></div>
</form>
<details style="margin-top:24px" @if(session('statement_locked')) open @endif><summary><strong>Or upload a PDF statement instead</strong></summary>
@endif
<form action="{{ route('checkout.statement', $session->reference) }}" method="post" enctype="multipart/form-data">@csrf
<div class="field"><label class="field-label" for="upload_tenure_months">How many months do you want to pay over?</label>
<select id="upload_tenure_months" name="tenure_months" required>
@foreach($tenures as $months)<option value="{{ $months }}" @selected($tenure === $months)>{{ $months }} {{ $months === 1 ? 'month' : 'months' }}</option>@endforeach
</select></div>
<div class="field"><label class="field-label" for="statement">Bank statement (PDF)</label><input id="statement" name="statement" type="file" accept="application/pdf,.pdf" required><p class="field-help">At least the last 6 months. Statements you upload are checked by our team before approval.</p></div>
@if(session('statement_locked'))
<div class="field"><label class="field-label" for="pdf_password">Statement password</label><input id="pdf_password" name="pdf_password" type="password" autocomplete="off" placeholder="Password from your bank" required>
<p class="field-help">Your bank locked this PDF. We only use the password to read this statement.</p></div>
@endif
<div class="actions"><button class="full @if($bankStatementAvailable && $banks) secondary @endif" type="submit">Upload and check my offer <span aria-hidden="true">→</span></button></div>
</form>
@if($bankStatementAvailable && $banks)</details>@endif
</section>
@endif
@break

@case('statement_fetching')
<section class="panel"><div class="eyebrow">Step 1 of {{ $of }}</div><h1>Getting your statement from your bank</h1>
<p class="muted">Your bank is sending your statement and we are checking it. This usually takes a minute or two. This page refreshes by itself.</p>
<div class="actions"><a class="button full" href="{{ route('checkout.show', $session->reference) }}">Check again</a></div></section>
@break

@case('review')
<section class="panel"><div class="eyebrow">Being reviewed</div><h1>We are reviewing your application</h1>
<p class="muted">A member of our team is checking your statement. You can wait on this page (it refreshes by itself), or go back to {{ $partnerName }}. Once you are approved, {{ $partnerName }} will bring you back here to accept your offer.</p>
<div class="actions"><a class="button secondary full" href="{{ route('checkout.leave', $session->reference) }}">Back to {{ $partnerName }}</a></div></section>
@break

@case('preparing_offer')
<section class="panel"><div class="eyebrow">Almost there</div><h1>Preparing your offer</h1>
<p class="muted">You have been approved. We are putting your repayment plan together; this page refreshes by itself.</p>
<div class="actions"><a class="button full" href="{{ route('checkout.show', $session->reference) }}">Refresh</a></div></section>
@break

@case('offer')
@php($schedules = $facility->schedules)
<section class="panel"><div class="eyebrow">Step 2 of {{ $of }}</div><h1>Your Pay Later offer</h1>
@if($downPaymentMinor > 0)<p class="muted">You pay {{ $naira($downPaymentMinor) }} now to {{ $partnerName }} as a down payment, after you accept. NextPayDay pays the rest of your order.</p>@endif
<div class="loan-metrics">@if($downPaymentMinor > 0)<div><p>Down payment now</p><strong>{{ $naira($downPaymentMinor) }}</strong></div>@endif<div><p>You borrow</p><strong>{{ $naira($facility->principal_minor) }}</strong></div><div><p>You repay in total</p><strong>{{ $naira($schedules->sum('amount_due_minor')) }}</strong></div><div><p>Payments</p><strong>{{ $schedules->count() }}</strong></div></div>
<div class="scroll"><table><thead><tr><th>#</th><th>Due date</th><th>Amount</th></tr></thead><tbody>
@foreach($schedules as $schedule)<tr><td>{{ $schedule->sequence }}</td><td>{{ $schedule->due_date->format('d M Y') }}</td><td>{{ $naira($schedule->amount_due_minor) }}</td></tr>@endforeach
</tbody></table></div>
<form action="{{ route('checkout.offer', $session->reference) }}" method="post">@csrf
<input type="hidden" name="terms_version" value="{{ $facility->terms_version }}">
<label class="consent"><input type="checkbox" name="consent" value="1" required><span>I accept this repayment plan from NextPayDay. I understand that each payment will be collected on its due date from the account I set up {{ $downPaymentMinor > 0 ? 'after paying my down payment' : 'next' }}.</span></label>
<div class="actions"><button class="full" type="submit">Accept offer <span aria-hidden="true">→</span></button></div>
</form></section>
@break

@case('down_payment')
<section class="panel"><div class="eyebrow">Step 3 of {{ $of }}</div><h1>Pay your down payment</h1>
<p class="muted">Your offer is accepted. Pay {{ $naira($downPaymentMinor) }} to {{ $partnerName }} now. When it is paid, {{ $partnerName }} brings you back here to set up repayment.</p>
<p class="field-help">If you do not finish setting up repayment, {{ $partnerName }} refunds your down payment.</p>
<div class="actions"><a class="button full" href="{{ route('checkout.leave', $session->reference) }}">Pay {{ $naira($downPaymentMinor) }} at {{ $partnerName }} <span aria-hidden="true">→</span></a></div></section>
@break

@case('mandate')
@php($saved = session('npd_checkout_access.bank.'.$session->reference, []))
<section class="panel"><div class="eyebrow">Step {{ $of }} of {{ $of }}</div><h1>Set up repayment with {{ $providerName }}</h1>
@foreach((array) session('mandate_notice', []) as $notice)<div class="notice" role="status"><p>{{ $notice }}</p></div>@endforeach
@if($mandate?->authorization_url)
<p class="muted">Finish authorizing with {{ $providerName }}. When you are done you will come back here automatically, or check the status below.</p>
@if($provider === 'paystack')<p class="field-help">After you authorize, your bank can take up to 24 hours to activate Paystack Direct Debit.</p>@endif
<div class="actions"><a class="button full" href="{{ $mandate->authorization_url }}" rel="noopener noreferrer">Continue to {{ $providerName }} <span aria-hidden="true">→</span></a></div>
<form action="{{ route('checkout.mandate.check', $session->reference) }}" method="post">@csrf<div class="actions"><button class="secondary full" type="submit">Check status</button></div></form>
@if($provider === 'mono')
<form action="{{ route('checkout.mandate.new-link', $session->reference) }}" method="post" style="text-align:center">@csrf<button class="text-button" type="submit">Mono link not working? Get a new link</button></form>
<p class="field-help" style="text-align:center">A new link is available five minutes after the first one.</p>
@endif
@else
@if($mandateFailed ?? false)<div class="notice error" role="alert"><p>Your last {{ $providerName }} authorization did not go through. Set it up again below.</p></div>@endif
<p class="muted">{{ $providerName }} lets NextPayDay collect each payment on its due date. You will be sent to {{ $providerName }} to confirm, then back here.</p>
<form action="{{ route('checkout.mandate', $session->reference) }}" method="post">@csrf
<div class="field"><label class="field-label" for="bank_code">Bank</label>
@if($banks)
<select id="bank_code" name="bank_code" required><option value="">Choose your bank</option>
@foreach($banks as $bank)<option value="{{ $bank['code'] }}" @selected(old('bank_code', $saved['bank_code'] ?? '') === $bank['code'])>{{ $bank['name'] }}</option>@endforeach
</select>
@else
<p class="notice warn">We could not load the bank list. Refresh the page in a moment.</p>
@endif
</div>
<div class="field"><label class="field-label" for="account_number">Account number</label><input id="account_number" name="account_number" inputmode="numeric" pattern="[0-9]{10}" maxlength="10" value="{{ old('account_number', $saved['account_number'] ?? '') }}" required></div>
@if($needsBvn)
<div class="field"><label class="field-label" for="bvn">BVN</label><input id="bvn" name="bvn" inputmode="numeric" pattern="[0-9]{11}" maxlength="11" autocomplete="off" required><p class="field-help">Your 11-digit Bank Verification Number. It links this account to you and is never shared with {{ $partnerName }}.</p></div>
@endif
<label class="consent"><input type="checkbox" name="consent" value="1" required><span>I authorize NextPayDay to collect my scheduled repayments from this account through {{ $providerName }}.</span></label>
<div class="actions"><button class="full" type="submit" @disabled(! $banks)>Continue to {{ $providerName }} <span aria-hidden="true">→</span></button></div>
</form>
@endif
@foreach($otherProviders ?? [] as $other)
<form action="{{ route('checkout.mandate.provider', $session->reference) }}" method="post" style="text-align:center">@csrf<input type="hidden" name="provider" value="{{ $other }}"><button class="text-button" type="submit">{{ $mandate ? 'Waiting on '.$providerName.'?' : '' }} Set up {{ ['mono' => 'Mono', 'paystack' => 'Paystack'][$other] ?? $other }} first instead</button></form>
@endforeach
<p class="field-help" style="text-align:center">Both Mono and Paystack are needed before your order is paid. You can do them in either order.</p>
</section>
@break

@case('declined')
<section class="panel"><div class="eyebrow">Application result</div><h1>We could not offer Pay Later this time</h1>
<p class="muted">Based on your statement, we are not able to approve this purchase on Pay Later. You can still pay for your order another way at {{ $partnerName }}.</p>
<div class="actions"><a class="button full" href="{{ route('checkout.leave', $session->reference) }}">Back to {{ $partnerName }}</a></div></section>
@break

@default
<section class="panel"><div class="eyebrow">Pay Later checkout</div><h1>This checkout has ended</h1>
<p class="muted">{{ $step === 'expired' ? 'This link has expired.' : 'There is nothing more to do here.' }} Go back to {{ $partnerName }} to continue.</p>
<div class="actions"><a class="button full" href="{{ route('checkout.leave', $session->reference) }}">Back to {{ $partnerName }}</a></div></section>
@endswitch

@if(in_array($step, ['identity', 'statement', 'statement_fetching', 'review', 'preparing_offer', 'offer', 'down_payment', 'mandate'], true))
<form action="{{ route('checkout.cancel', $session->reference) }}" method="post" style="text-align:center">@csrf<button class="text-button" type="submit">Cancel and go back to {{ $partnerName }}</button></form>
@endif
@endsection