tractatus/scripts/check-stripe-bank-account.js

#!/usr/bin/env node

/**
 * Check and display Stripe bank account holder name
 *
 * This script helps diagnose the bank account holder name issue by:
 * 1. Listing all external accounts (bank accounts) on the Stripe account
 * 2. Showing the current account holder name
 * 3. Providing the exact account details for verification
 *
 * Usage:
 *   node scripts/check-stripe-bank-account.js
 *
 * Environment:
 *   STRIPE_SECRET_KEY - Your Stripe secret key (test or live)
 */

require('dotenv').config();
const stripe = require('stripe')(process.env.STRIPE_SECRET_KEY);

async function checkBankAccount() {
  console.log('\n🔍 Checking Stripe Bank Account Configuration\n');
  console.log('━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━\n');

  try {
    // Get account details
    const account = await stripe.account.retrieve();

    console.log('📋 Account Information:');
    console.log(`   Type: ${account.type}`);
    console.log(`   Country: ${account.country}`);
    console.log(`   Email: ${account.email || 'Not set'}`);

    if (account.type === 'standard') {
      console.log(`   Business Name: ${account.business_profile?.name || 'Not set'}`);
    } else if (account.type === 'express' || account.type === 'custom') {
      console.log(`   Account Holder Name: ${account.individual?.first_name || ''} ${account.individual?.last_name || ''}`);
      console.log(`   Company Name: ${account.company?.name || 'Not set'}`);
    }

    console.log('\n━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━\n');

    // List external accounts (bank accounts)
    console.log('🏦 External Accounts (Bank Accounts):\n');

    // For standard accounts, bank accounts are accessed via the account object's external_accounts
    let externalAccounts;

    try {
      if (account.type === 'standard') {
        // Standard accounts: query external accounts directly
        externalAccounts = await stripe.account.listExternalAccounts({
          object: 'bank_account',
          limit: 10
        });
      } else {
        // Express/Custom accounts: use the Connect API
        externalAccounts = await stripe.accounts.listExternalAccounts(
          account.id,
          { object: 'bank_account', limit: 10 }
        );
      }
    } catch (err) {
      console.log('   ⚠️  Could not retrieve bank accounts via API');
      console.log(`   Error: ${err.message}\n`);
      console.log('   📍 This is normal - bank account details require dashboard access');
      console.log('   📍 Please check manually in Stripe Dashboard:');
      console.log('      https://dashboard.stripe.com/settings/payouts\n');
      console.log('   📋 What to look for:');
      console.log('      1. Find "Bank accounts and debit cards" section');
      console.log('      2. Click on account ending in 6-85');
      console.log('      3. Look for "Account holder name" field');
      console.log('      4. Should say: "John Geoffrey Stroh"\n');
      return;
    }

    if (!externalAccounts || externalAccounts.data.length === 0) {
      console.log('   ⚠️  No bank accounts found on this Stripe account');
      console.log('   📍 You may need to add a bank account in the dashboard:');
      console.log('      https://dashboard.stripe.com/settings/payouts\n');
      return;
    }

    externalAccounts.data.forEach((bankAccount, index) => {
      console.log(`\n   Bank Account #${index + 1}:`);
      console.log(`   ├─ Account Holder Name: ${bankAccount.account_holder_name || 'NOT SET ❌'}`);
      console.log(`   ├─ Account Holder Type: ${bankAccount.account_holder_type || 'Not specified'}`);
      console.log(`   ├─ Bank Name: ${bankAccount.bank_name || 'Unknown'}`);
      console.log(`   ├─ Country: ${bankAccount.country}`);
      console.log(`   ├─ Currency: ${bankAccount.currency.toUpperCase()}`);
      console.log(`   ├─ Last 4 Digits: ****${bankAccount.last4}`);
      console.log(`   ├─ Routing Number: ${bankAccount.routing_number || 'N/A'}`);
      console.log(`   ├─ Status: ${bankAccount.status}`);
      console.log(`   ├─ Default for currency: ${bankAccount.default_for_currency ? 'Yes ✅' : 'No'}`);
      console.log(`   └─ Bank Account ID: ${bankAccount.id}`);

      // Check if name matches required format
      const requiredName = 'John Geoffrey Stroh';
      if (bankAccount.account_holder_name === requiredName) {
        console.log(`\n   ✅ Account holder name matches TSB requirement!`);
      } else if (bankAccount.account_holder_name) {
        console.log(`\n   ⚠️  Account holder name does NOT match TSB requirement`);
        console.log(`   Current:  "${bankAccount.account_holder_name}"`);
        console.log(`   Required: "${requiredName}"`);
      } else {
        console.log(`\n   ❌ Account holder name is NOT SET`);
        console.log(`   Required: "${requiredName}"`);
      }
    });

    console.log('\n━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━\n');

    // Check if this is the correct TSB account
    const tsbAccount = externalAccounts.data.find(acc =>
      acc.last4 === '6-85' || acc.last4 === '0685' || acc.routing_number?.includes('3959')
    );

    if (tsbAccount) {
      console.log('✅ Found your TSB account (ending in 6-85)\n');
    } else {
      console.log('⚠️  Could not identify TSB account ending in 6-85');
      console.log('   Please verify the account details above match your bank.\n');
    }

    console.log('📍 Next Steps:\n');

    const hasCorrectName = externalAccounts.data.some(acc =>
      acc.account_holder_name === 'John Geoffrey Stroh'
    );

    if (hasCorrectName) {
      console.log('   ✅ Bank account holder name is correct!');
      console.log('   ✅ You should be all set for payouts.\n');
    } else {
      console.log('   ⚠️  Bank account holder name needs to be updated\n');
      console.log('   Option 1: Update via Stripe Dashboard');
      console.log('      https://dashboard.stripe.com/settings/payouts\n');
      console.log('   Option 2: Remove and re-add bank account with correct name');
      console.log('      (This script cannot update the name automatically)\n');
      console.log('   Option 3: Contact Stripe Support');
      console.log('      https://dashboard.stripe.com/support\n');
      console.log('   Option 4: Try the update script');
      console.log('      node scripts/update-stripe-bank-name.js\n');
    }

  } catch (error) {
    console.error('❌ Error checking Stripe account:', error.message);

    if (error.type === 'StripeAuthenticationError') {
      console.error('\n⚠️  Authentication failed. Please check:');
      console.error('   1. STRIPE_SECRET_KEY is set in .env');
      console.error('   2. The key starts with sk_test_ or sk_live_');
      console.error('   3. The key is valid and not expired\n');
    }
  }
}

// Run the check
checkBankAccount().catch(console.error);