Initial commit: Telegram Management System

Full-stack web application for Telegram management
- Frontend: Vue 3 + Vben Admin
- Backend: NestJS
- Features: User management, group broadcast, statistics

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude <noreply@anthropic.com>

marketing-agent/services/billing-service/.env.example

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+# Environment
+NODE_ENV=development
+PORT=3010
+
+# MongoDB
+MONGODB_URI=mongodb://localhost:27017/billing
+
+# Stripe (Get these from https://dashboard.stripe.com/apikeys)
+STRIPE_SECRET_KEY=sk_test_...
+STRIPE_PUBLISHABLE_KEY=pk_test_...
+STRIPE_WEBHOOK_SECRET=whsec_...
+
+# JWT
+JWT_SECRET=your-secret-key-here
+
+# Redis
+REDIS_URL=redis://localhost:6379
+
+# Email
+EMAIL_PROVIDER=sendgrid
+EMAIL_API_KEY=SG...
+EMAIL_FROM=billing@company.com
+
+# CORS
+CORS_ORIGIN=http://localhost:8080,http://localhost:3000
+
+# Rate Limiting
+RATE_LIMIT_WINDOW_MS=900000
+RATE_LIMIT_MAX=100

marketing-agent/services/billing-service/package.json

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+{
+  "name": "billing-service",
+  "version": "1.0.0",
+  "description": "Billing and payment service for Marketing Agent",
+  "type": "module",
+  "main": "src/server.js",
+  "scripts": {
+    "start": "node src/server.js",
+    "dev": "nodemon src/server.js",
+    "test": "jest",
+    "test:watch": "jest --watch",
+    "lint": "eslint src/"
+  },
+  "dependencies": {
+    "cors": "^2.8.5",
+    "dotenv": "^16.3.1",
+    "exceljs": "^4.4.0",
+    "express": "^4.18.2",
+    "express-rate-limit": "^7.1.5",
+    "express-validator": "^7.0.1",
+    "helmet": "^7.1.0",
+    "json2csv": "^6.0.0",
+    "jsonwebtoken": "^9.0.2",
+    "mongoose": "^8.0.3",
+    "pdfkit": "^0.14.0",
+    "redis": "^4.6.12",
+    "stripe": "^14.10.0",
+    "winston": "^3.11.0"
+  },
+  "devDependencies": {
+    "@types/jest": "^29.5.11",
+    "eslint": "^8.56.0",
+    "jest": "^29.7.0",
+    "nodemon": "^3.0.2",
+    "supertest": "^6.3.3"
+  },
+  "jest": {
+    "testEnvironment": "node",
+    "transform": {},
+    "extensionsToTreatAsEsm": [".js"],
+    "moduleNameMapper": {
+      "^(\\.{1,2}/.*)\\.js$": "$1"
+    },
+    "testMatch": [
+      "**/tests/**/*.test.js"
+    ]
+  },
+  "engines": {
+    "node": ">=18.0.0"
+  }
+}

marketing-agent/services/billing-service/src/app.js

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+import express from 'express';
+import cors from 'cors';
+import helmet from 'helmet';
+import rateLimit from 'express-rate-limit';
+import mongoose from 'mongoose';
+import { config } from './config/index.js';
+import { logger, requestLogger, errorLogger } from './utils/logger.js';
+
+// Import routes
+import subscriptionRoutes from './routes/subscriptions.js';
+import invoiceRoutes from './routes/invoices.js';
+import paymentMethodRoutes from './routes/payment-methods.js';
+import transactionRoutes from './routes/transactions.js';
+import webhookRoutes from './routes/webhooks.js';
+
+// Create Express app
+const app = express();
+
+// Security middleware
+app.use(helmet());
+app.use(cors(config.cors));
+
+// Rate limiting
+const limiter = rateLimit(config.rateLimit);
+app.use('/api/', limiter);
+
+// Body parsing middleware
+app.use(express.json({ limit: '10mb' }));
+app.use(express.urlencoded({ extended: true, limit: '10mb' }));
+
+// Webhook routes (before body parsing for raw body)
+app.use('/webhooks', webhookRoutes);
+
+// Request logging
+app.use(requestLogger);
+
+// API routes
+app.use('/api/subscriptions', subscriptionRoutes);
+app.use('/api/invoices', invoiceRoutes);
+app.use('/api/payment-methods', paymentMethodRoutes);
+app.use('/api/transactions', transactionRoutes);
+
+// Health check
+app.get('/health', (req, res) => {
+  res.json({
+    status: 'healthy',
+    service: 'billing-service',
+    timestamp: new Date().toISOString(),
+    uptime: process.uptime(),
+    environment: config.env
+  });
+});
+
+// Error handling
+app.use(errorLogger);
+
+// 404 handler
+app.use((req, res) => {
+  res.status(404).json({
+    success: false,
+    error: 'Route not found'
+  });
+});
+
+// Global error handler
+app.use((err, req, res, next) => {
+  const status = err.status || 500;
+  const message = err.message || 'Internal server error';
+  
+  res.status(status).json({
+    success: false,
+    error: message,
+    ...(config.env === 'development' && { stack: err.stack })
+  });
+});
+
+// Database connection
+export async function connectDB() {
+  try {
+    await mongoose.connect(config.mongodb.uri, {
+      useNewUrlParser: true,
+      useUnifiedTopology: true
+    });
+    logger.info('MongoDB connected successfully');
+  } catch (error) {
+    logger.error('MongoDB connection error:', error);
+    process.exit(1);
+  }
+}
+
+// Graceful shutdown
+export function setupGracefulShutdown(server) {
+  const shutdown = async (signal) => {
+    logger.info(`${signal} received, starting graceful shutdown`);
+    
+    server.close(() => {
+      logger.info('HTTP server closed');
+    });
+    
+    try {
+      await mongoose.connection.close();
+      logger.info('MongoDB connection closed');
+      process.exit(0);
+    } catch (error) {
+      logger.error('Error during shutdown:', error);
+      process.exit(1);
+    }
+  };
+  
+  process.on('SIGTERM', () => shutdown('SIGTERM'));
+  process.on('SIGINT', () => shutdown('SIGINT'));
+}
+
+export default app;

marketing-agent/services/billing-service/src/config/index.js

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+import dotenv from 'dotenv';
+
+dotenv.config();
+
+export const config = {
+  env: process.env.NODE_ENV || 'development',
+  port: process.env.PORT || 3010,
+  
+  mongodb: {
+    uri: process.env.MONGODB_URI || 'mongodb://localhost:27017/billing'
+  },
+  
+  stripe: {
+    secretKey: process.env.STRIPE_SECRET_KEY || 'sk_test_...',
+    publishableKey: process.env.STRIPE_PUBLISHABLE_KEY || 'pk_test_...',
+    webhookSecret: process.env.STRIPE_WEBHOOK_SECRET || 'whsec_...'
+  },
+  
+  jwt: {
+    secret: process.env.JWT_SECRET || 'your-secret-key',
+    expiresIn: '7d'
+  },
+  
+  redis: {
+    url: process.env.REDIS_URL || 'redis://localhost:6379'
+  },
+  
+  email: {
+    provider: process.env.EMAIL_PROVIDER || 'sendgrid',
+    apiKey: process.env.EMAIL_API_KEY || '',
+    from: process.env.EMAIL_FROM || 'billing@company.com'
+  },
+  
+  cors: {
+    origin: process.env.CORS_ORIGIN?.split(',') || ['http://localhost:8080'],
+    credentials: true
+  },
+  
+  rateLimit: {
+    windowMs: 15 * 60 * 1000, // 15 minutes
+    max: 100 // limit each IP to 100 requests per windowMs
+  },
+  
+  billing: {
+    currency: 'USD',
+    taxRate: 0, // Default tax rate percentage
+    trialDays: 14,
+    gracePeriodDays: 7,
+    dunningAttempts: 3,
+    dunningIntervalDays: 3
+  },
+  
+  plans: {
+    free: {
+      name: 'Free',
+      price: 0,
+      features: {
+        users: 5,
+        campaigns: 10,
+        messagesPerMonth: 1000
+      }
+    },
+    starter: {
+      name: 'Starter',
+      price: 29,
+      stripePriceId: 'price_starter_monthly',
+      features: {
+        users: 20,
+        campaigns: 50,
+        messagesPerMonth: 10000
+      }
+    },
+    professional: {
+      name: 'Professional',
+      price: 99,
+      stripePriceId: 'price_professional_monthly',
+      features: {
+        users: 100,
+        campaigns: 'unlimited',
+        messagesPerMonth: 100000
+      }
+    },
+    enterprise: {
+      name: 'Enterprise',
+      price: 299,
+      stripePriceId: 'price_enterprise_monthly',
+      features: {
+        users: 'unlimited',
+        campaigns: 'unlimited',
+        messagesPerMonth: 'unlimited'
+      }
+    }
+  }
+};

marketing-agent/services/billing-service/src/middleware/auth.js

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+import jwt from 'jsonwebtoken';
+import { config } from '../config/index.js';
+import { logger } from '../utils/logger.js';
+
+// Authenticate user
+export const authenticate = async (req, res, next) => {
+  try {
+    const token = req.headers.authorization?.replace('Bearer ', '');
+    
+    if (!token) {
+      return res.status(401).json({
+        success: false,
+        error: 'Authentication required'
+      });
+    }
+
+    const decoded = jwt.verify(token, config.jwt.secret);
+    req.user = decoded;
+    
+    next();
+  } catch (error) {
+    logger.error('Authentication error:', error);
+    res.status(401).json({
+      success: false,
+      error: 'Invalid or expired token'
+    });
+  }
+};
+
+// Require tenant context
+export const requireTenant = async (req, res, next) => {
+  try {
+    // Get tenant from various sources
+    const tenantId = req.headers['x-tenant-id'] || 
+                    req.user?.tenantId || 
+                    req.query.tenantId;
+
+    if (!tenantId) {
+      return res.status(400).json({
+        success: false,
+        error: 'Tenant context required'
+      });
+    }
+
+    // In production, would validate tenant exists and user has access
+    req.tenantId = tenantId;
+    
+    // Mock tenant data for now
+    req.tenant = {
+      id: tenantId,
+      name: 'Test Tenant',
+      billing: {
+        customerId: 'cus_test123'
+      },
+      owner: {
+        email: 'owner@example.com'
+      }
+    };
+    
+    next();
+  } catch (error) {
+    logger.error('Tenant context error:', error);
+    res.status(500).json({
+      success: false,
+      error: 'Failed to establish tenant context'
+    });
+  }
+};
+
+// Require admin role
+export const requireAdmin = async (req, res, next) => {
+  try {
+    if (req.user?.role !== 'admin' && req.user?.role !== 'superadmin') {
+      return res.status(403).json({
+        success: false,
+        error: 'Admin access required'
+      });
+    }
+    
+    next();
+  } catch (error) {
+    logger.error('Admin check error:', error);
+    res.status(500).json({
+      success: false,
+      error: 'Failed to verify admin access'
+    });
+  }
+};
+
+// Require specific permissions
+export const requirePermission = (permission) => {
+  return async (req, res, next) => {
+    try {
+      const userPermissions = req.user?.permissions || [];
+      
+      if (!userPermissions.includes(permission)) {
+        return res.status(403).json({
+          success: false,
+          error: `Permission required: ${permission}`
+        });
+      }
+      
+      next();
+    } catch (error) {
+      logger.error('Permission check error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to verify permissions'
+      });
+    }
+  };
+};

marketing-agent/services/billing-service/src/middleware/validation.js

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+import { validationResult } from 'express-validator';
+import { logger } from '../utils/logger.js';
+
+// Validate request middleware
+export const validateRequest = (validations) => {
+  return async (req, res, next) => {
+    // Run all validations
+    await Promise.all(validations.map(validation => validation.run(req)));
+
+    const errors = validationResult(req);
+    if (errors.isEmpty()) {
+      return next();
+    }
+
+    const extractedErrors = [];
+    errors.array().map(err => extractedErrors.push({ 
+      field: err.path,
+      message: err.msg,
+      value: err.value 
+    }));
+
+    logger.warn('Validation errors', { 
+      path: req.path,
+      errors: extractedErrors 
+    });
+
+    return res.status(400).json({
+      success: false,
+      error: 'Validation failed',
+      errors: extractedErrors
+    });
+  };
+};
+
+// Custom validators
+export const validators = {
+  // Validate MongoDB ObjectId
+  isMongoId: (value) => {
+    const mongoIdRegex = /^[0-9a-fA-F]{24}$/;
+    return mongoIdRegex.test(value);
+  },
+
+  // Validate currency code
+  isCurrency: (value) => {
+    const validCurrencies = ['USD', 'EUR', 'GBP', 'JPY', 'CAD', 'AUD', 'CNY'];
+    return validCurrencies.includes(value.toUpperCase());
+  },
+
+  // Validate credit card number (basic check)
+  isCreditCard: (value) => {
+    const cardRegex = /^[0-9]{13,19}$/;
+    return cardRegex.test(value.replace(/\s/g, ''));
+  },
+
+  // Validate phone number
+  isPhoneNumber: (value) => {
+    const phoneRegex = /^\+?[1-9]\d{1,14}$/;
+    return phoneRegex.test(value);
+  },
+
+  // Validate date range
+  isValidDateRange: (startDate, endDate) => {
+    const start = new Date(startDate);
+    const end = new Date(endDate);
+    return start <= end;
+  },
+
+  // Validate billing cycle
+  isBillingCycle: (value) => {
+    const validCycles = ['monthly', 'quarterly', 'yearly'];
+    return validCycles.includes(value);
+  },
+
+  // Validate plan type
+  isPlanType: (value) => {
+    const validPlans = ['free', 'starter', 'professional', 'enterprise', 'custom'];
+    return validPlans.includes(value);
+  }
+};
+
+// Sanitization helpers
+export const sanitize = {
+  // Clean string input
+  cleanString: (value) => {
+    if (typeof value !== 'string') return value;
+    return value.trim().replace(/[<>]/g, '');
+  },
+
+  // Format currency amount
+  formatAmount: (value) => {
+    const amount = parseFloat(value);
+    return Math.round(amount * 100) / 100;
+  },
+
+  // Normalize email
+  normalizeEmail: (email) => {
+    return email.toLowerCase().trim();
+  },
+
+  // Clean credit card number
+  cleanCardNumber: (value) => {
+    return value.replace(/\s/g, '').replace(/-/g, '');
+  }
+};

marketing-agent/services/billing-service/src/models/Invoice.js

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+import mongoose from 'mongoose';
+
+const invoiceSchema = new mongoose.Schema({
+  // Multi-tenant support
+  tenantId: {
+    type: mongoose.Schema.Types.ObjectId,
+    ref: 'Tenant',
+    required: true,
+    index: true
+  },
+  
+  // Invoice details
+  invoiceNumber: {
+    type: String,
+    required: true,
+    unique: true
+  },
+  subscriptionId: {
+    type: mongoose.Schema.Types.ObjectId,
+    ref: 'Subscription',
+    required: true
+  },
+  customerId: {
+    type: String,
+    required: true,
+    index: true
+  },
+  
+  // Billing period
+  periodStart: {
+    type: Date,
+    required: true
+  },
+  periodEnd: {
+    type: Date,
+    required: true
+  },
+  
+  // Status
+  status: {
+    type: String,
+    enum: ['draft', 'open', 'paid', 'void', 'uncollectible'],
+    default: 'draft',
+    index: true
+  },
+  
+  // Line items
+  lineItems: [{
+    description: String,
+    quantity: Number,
+    unitPrice: Number,
+    amount: Number,
+    currency: String,
+    period: {
+      start: Date,
+      end: Date
+    },
+    proration: Boolean,
+    type: {
+      type: String,
+      enum: ['subscription', 'usage', 'one_time', 'discount']
+    }
+  }],
+  
+  // Amounts
+  subtotal: {
+    type: Number,
+    required: true
+  },
+  tax: {
+    rate: Number,
+    amount: Number
+  },
+  discount: {
+    coupon: String,
+    amount: Number
+  },
+  total: {
+    type: Number,
+    required: true
+  },
+  currency: {
+    type: String,
+    default: 'USD'
+  },
+  
+  // Payment
+  amountPaid: {
+    type: Number,
+    default: 0
+  },
+  amountDue: {
+    type: Number,
+    required: true
+  },
+  attemptCount: {
+    type: Number,
+    default: 0
+  },
+  
+  // Dates
+  dueDate: Date,
+  paidAt: Date,
+  voidedAt: Date,
+  
+  // Payment details
+  paymentMethod: {
+    type: String,
+    last4: String,
+    brand: String
+  },
+  paymentIntent: String,
+  
+  // Customer details (snapshot at invoice time)
+  customer: {
+    name: String,
+    email: String,
+    phone: String,
+    address: {
+      line1: String,
+      line2: String,
+      city: String,
+      state: String,
+      postalCode: String,
+      country: String
+    }
+  },
+  
+  // PDF
+  pdfUrl: String,
+  
+  // Metadata
+  metadata: mongoose.Schema.Types.Mixed,
+  
+  // Stripe specific
+  stripeInvoiceId: String,
+  stripePaymentIntentId: String
+}, {
+  timestamps: true
+});
+
+// Indexes
+invoiceSchema.index({ tenantId: 1, status: 1 });
+invoiceSchema.index({ tenantId: 1, periodStart: -1 });
+invoiceSchema.index({ tenantId: 1, customerId: 1 });
+invoiceSchema.index({ tenantId: 1, invoiceNumber: 1 }, { unique: true });
+
+// Virtual for is overdue
+invoiceSchema.virtual('isOverdue').get(function() {
+  if (this.status !== 'open') return false;
+  if (!this.dueDate) return false;
+  return new Date() > this.dueDate;
+});
+
+// Virtual for days overdue
+invoiceSchema.virtual('daysOverdue').get(function() {
+  if (!this.isOverdue) return 0;
+  const now = new Date();
+  const due = new Date(this.dueDate);
+  return Math.floor((now - due) / (1000 * 60 * 60 * 24));
+});
+
+// Methods
+invoiceSchema.methods.addLineItem = function(item) {
+  this.lineItems.push(item);
+  this.calculateTotals();
+};
+
+invoiceSchema.methods.calculateTotals = function() {
+  // Calculate subtotal
+  this.subtotal = this.lineItems.reduce((sum, item) => {
+    if (item.type === 'discount') {
+      return sum - Math.abs(item.amount);
+    }
+    return sum + item.amount;
+  }, 0);
+  
+  // Apply tax
+  if (this.tax && this.tax.rate) {
+    this.tax.amount = this.subtotal * (this.tax.rate / 100);
+  }
+  
+  // Calculate total
+  this.total = this.subtotal + (this.tax?.amount || 0);
+  this.amountDue = this.total - this.amountPaid;
+};
+
+invoiceSchema.methods.markPaid = async function(paymentDetails) {
+  this.status = 'paid';
+  this.paidAt = new Date();
+  this.amountPaid = this.total;
+  this.amountDue = 0;
+  
+  if (paymentDetails) {
+    this.paymentMethod = paymentDetails.paymentMethod;
+    this.paymentIntent = paymentDetails.paymentIntent;
+  }
+  
+  await this.save();
+};
+
+invoiceSchema.methods.void = async function(reason) {
+  this.status = 'void';
+  this.voidedAt = new Date();
+  if (reason) {
+    this.metadata = this.metadata || {};
+    this.metadata.voidReason = reason;
+  }
+  await this.save();
+};
+
+invoiceSchema.methods.generatePDF = async function() {
+  // This would integrate with a PDF generation service
+  // For now, just return a placeholder
+  this.pdfUrl = `/invoices/${this.invoiceNumber}.pdf`;
+  await this.save();
+  return this.pdfUrl;
+};
+
+// Statics
+invoiceSchema.statics.generateInvoiceNumber = async function(tenantId) {
+  const date = new Date();
+  const year = date.getFullYear();
+  const month = String(date.getMonth() + 1).padStart(2, '0');
+  
+  // Find the last invoice for this tenant in the current month
+  const lastInvoice = await this.findOne({
+    tenantId,
+    invoiceNumber: new RegExp(`^INV-${year}${month}`)
+  }).sort({ invoiceNumber: -1 });
+  
+  let sequence = 1;
+  if (lastInvoice) {
+    const lastSequence = parseInt(lastInvoice.invoiceNumber.split('-').pop());
+    sequence = lastSequence + 1;
+  }
+  
+  return `INV-${year}${month}-${String(sequence).padStart(4, '0')}`;
+};
+
+invoiceSchema.statics.findUnpaid = function(tenantId) {
+  return this.find({
+    tenantId,
+    status: 'open',
+    amountDue: { $gt: 0 }
+  }).sort({ dueDate: 1 });
+};
+
+invoiceSchema.statics.findOverdue = function(tenantId) {
+  return this.find({
+    tenantId,
+    status: 'open',
+    dueDate: { $lt: new Date() }
+  }).sort({ dueDate: 1 });
+};
+
+export const Invoice = mongoose.model('Invoice', invoiceSchema);

marketing-agent/services/billing-service/src/models/PaymentMethod.js

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+import mongoose from 'mongoose';
+
+const paymentMethodSchema = new mongoose.Schema({
+  // Multi-tenant support
+  tenantId: {
+    type: mongoose.Schema.Types.ObjectId,
+    ref: 'Tenant',
+    required: true,
+    index: true
+  },
+  
+  // Customer
+  customerId: {
+    type: String,
+    required: true,
+    index: true
+  },
+  
+  // Payment method details
+  type: {
+    type: String,
+    enum: ['card', 'bank_account', 'paypal', 'alipay', 'wechat_pay'],
+    required: true
+  },
+  
+  isDefault: {
+    type: Boolean,
+    default: false
+  },
+  
+  // Card details
+  card: {
+    brand: String, // visa, mastercard, amex, etc.
+    last4: String,
+    expiryMonth: Number,
+    expiryYear: Number,
+    fingerprint: String,
+    country: String,
+    funding: String, // credit, debit, prepaid
+    checks: {
+      addressLine1Check: String,
+      addressPostalCodeCheck: String,
+      cvcCheck: String
+    }
+  },
+  
+  // Bank account details
+  bankAccount: {
+    accountHolderName: String,
+    accountHolderType: String, // individual, company
+    bankName: String,
+    last4: String,
+    routingNumber: String,
+    country: String,
+    currency: String,
+    status: String // new, validated, verified, verification_failed
+  },
+  
+  // PayPal details
+  paypal: {
+    email: String,
+    payerId: String
+  },
+  
+  // Billing address
+  billingAddress: {
+    line1: String,
+    line2: String,
+    city: String,
+    state: String,
+    postalCode: String,
+    country: String
+  },
+  
+  // Status
+  status: {
+    type: String,
+    enum: ['active', 'inactive', 'expired', 'failed'],
+    default: 'active'
+  },
+  
+  // Verification
+  verified: {
+    type: Boolean,
+    default: false
+  },
+  verifiedAt: Date,
+  
+  // Metadata
+  metadata: mongoose.Schema.Types.Mixed,
+  
+  // External IDs
+  stripePaymentMethodId: String,
+  paypalPaymentMethodId: String
+}, {
+  timestamps: true
+});
+
+// Indexes
+paymentMethodSchema.index({ tenantId: 1, customerId: 1 });
+paymentMethodSchema.index({ tenantId: 1, isDefault: 1 });
+paymentMethodSchema.index({ tenantId: 1, status: 1 });
+
+// Pre-save middleware to ensure only one default payment method per customer
+paymentMethodSchema.pre('save', async function(next) {
+  if (this.isDefault) {
+    // Remove default from other payment methods
+    await this.constructor.updateMany(
+      {
+        tenantId: this.tenantId,
+        customerId: this.customerId,
+        _id: { $ne: this._id }
+      },
+      { isDefault: false }
+    );
+  }
+  next();
+});
+
+// Methods
+paymentMethodSchema.methods.makeDefault = async function() {
+  // Remove default from other payment methods
+  await this.constructor.updateMany(
+    {
+      tenantId: this.tenantId,
+      customerId: this.customerId,
+      _id: { $ne: this._id }
+    },
+    { isDefault: false }
+  );
+  
+  this.isDefault = true;
+  await this.save();
+};
+
+paymentMethodSchema.methods.deactivate = async function() {
+  this.status = 'inactive';
+  this.isDefault = false;
+  await this.save();
+};
+
+paymentMethodSchema.methods.isExpired = function() {
+  if (this.type !== 'card' || !this.card) return false;
+  
+  const now = new Date();
+  const currentYear = now.getFullYear();
+  const currentMonth = now.getMonth() + 1;
+  
+  return this.card.expiryYear < currentYear || 
+    (this.card.expiryYear === currentYear && this.card.expiryMonth < currentMonth);
+};
+
+paymentMethodSchema.methods.maskDetails = function() {
+  const masked = this.toObject();
+  
+  if (masked.card) {
+    // Only keep last4 and brand
+    masked.card = {
+      brand: masked.card.brand,
+      last4: masked.card.last4,
+      expiryMonth: masked.card.expiryMonth,
+      expiryYear: masked.card.expiryYear
+    };
+  }
+  
+  if (masked.bankAccount) {
+    // Only keep last4 and bank name
+    masked.bankAccount = {
+      bankName: masked.bankAccount.bankName,
+      last4: masked.bankAccount.last4
+    };
+  }
+  
+  // Remove sensitive external IDs
+  delete masked.stripePaymentMethodId;
+  delete masked.paypalPaymentMethodId;
+  
+  return masked;
+};
+
+// Statics
+paymentMethodSchema.statics.findByCustomer = function(tenantId, customerId) {
+  return this.find({
+    tenantId,
+    customerId,
+    status: 'active'
+  }).sort({ isDefault: -1, createdAt: -1 });
+};
+
+paymentMethodSchema.statics.findDefault = function(tenantId, customerId) {
+  return this.findOne({
+    tenantId,
+    customerId,
+    isDefault: true,
+    status: 'active'
+  });
+};
+
+paymentMethodSchema.statics.findExpiring = function(tenantId, months = 2) {
+  const futureDate = new Date();
+  futureDate.setMonth(futureDate.getMonth() + months);
+  
+  const year = futureDate.getFullYear();
+  const month = futureDate.getMonth() + 1;
+  
+  return this.find({
+    tenantId,
+    type: 'card',
+    status: 'active',
+    $or: [
+      { 'card.expiryYear': { $lt: year } },
+      {
+        'card.expiryYear': year,
+        'card.expiryMonth': { $lte: month }
+      }
+    ]
+  });
+};
+
+export const PaymentMethod = mongoose.model('PaymentMethod', paymentMethodSchema);

marketing-agent/services/billing-service/src/models/Subscription.js

@@ -0,0 +1,184 @@
+import mongoose from 'mongoose';
+
+const subscriptionSchema = new mongoose.Schema({
+  // Multi-tenant support
+  tenantId: {
+    type: mongoose.Schema.Types.ObjectId,
+    ref: 'Tenant',
+    required: true,
+    index: true
+  },
+  
+  // Subscription details
+  customerId: {
+    type: String,
+    required: true,
+    index: true
+  },
+  subscriptionId: {
+    type: String,
+    required: true,
+    unique: true,
+    index: true
+  },
+  
+  // Plan information
+  plan: {
+    type: String,
+    enum: ['free', 'starter', 'professional', 'enterprise', 'custom'],
+    required: true
+  },
+  planName: String,
+  planPrice: {
+    type: Number,
+    required: true
+  },
+  currency: {
+    type: String,
+    default: 'USD'
+  },
+  
+  // Billing cycle
+  billingCycle: {
+    type: String,
+    enum: ['monthly', 'yearly', 'custom'],
+    default: 'monthly'
+  },
+  interval: {
+    type: Number,
+    default: 1
+  },
+  
+  // Status
+  status: {
+    type: String,
+    enum: ['trialing', 'active', 'past_due', 'canceled', 'unpaid', 'incomplete'],
+    default: 'active',
+    index: true
+  },
+  
+  // Dates
+  currentPeriodStart: Date,
+  currentPeriodEnd: Date,
+  trialStart: Date,
+  trialEnd: Date,
+  canceledAt: Date,
+  endedAt: Date,
+  
+  // Usage-based billing
+  usage: [{
+    metric: String,
+    quantity: Number,
+    unitPrice: Number,
+    total: Number,
+    period: Date
+  }],
+  
+  // Discounts
+  discount: {
+    coupon: String,
+    percentOff: Number,
+    amountOff: Number,
+    duration: String, // forever, once, repeating
+    durationInMonths: Number
+  },
+  
+  // Payment method
+  paymentMethod: {
+    type: String,
+    last4: String,
+    brand: String,
+    expiryMonth: Number,
+    expiryYear: Number
+  },
+  
+  // Metadata
+  metadata: mongoose.Schema.Types.Mixed,
+  
+  // Stripe specific
+  stripeCustomerId: String,
+  stripeSubscriptionId: String,
+  stripePriceId: String
+}, {
+  timestamps: true
+});
+
+// Indexes
+subscriptionSchema.index({ tenantId: 1, status: 1 });
+subscriptionSchema.index({ tenantId: 1, currentPeriodEnd: 1 });
+subscriptionSchema.index({ tenantId: 1, plan: 1 });
+
+// Virtual for days until renewal
+subscriptionSchema.virtual('daysUntilRenewal').get(function() {
+  if (!this.currentPeriodEnd) return null;
+  const now = new Date();
+  const end = new Date(this.currentPeriodEnd);
+  const days = Math.ceil((end - now) / (1000 * 60 * 60 * 24));
+  return days > 0 ? days : 0;
+});
+
+// Methods
+subscriptionSchema.methods.isActive = function() {
+  return ['active', 'trialing'].includes(this.status);
+};
+
+subscriptionSchema.methods.isTrialing = function() {
+  return this.status === 'trialing' && this.trialEnd && new Date() < this.trialEnd;
+};
+
+subscriptionSchema.methods.cancel = async function(immediately = false) {
+  this.status = 'canceled';
+  this.canceledAt = new Date();
+  
+  if (immediately) {
+    this.endedAt = new Date();
+  } else {
+    this.endedAt = this.currentPeriodEnd;
+  }
+  
+  await this.save();
+};
+
+subscriptionSchema.methods.recordUsage = async function(metric, quantity, unitPrice) {
+  const usage = {
+    metric,
+    quantity,
+    unitPrice,
+    total: quantity * unitPrice,
+    period: new Date()
+  };
+  
+  this.usage.push(usage);
+  await this.save();
+  
+  return usage;
+};
+
+subscriptionSchema.methods.applyDiscount = async function(discount) {
+  this.discount = discount;
+  await this.save();
+};
+
+// Statics
+subscriptionSchema.statics.findByTenant = function(tenantId) {
+  return this.find({ tenantId, status: { $in: ['active', 'trialing'] } });
+};
+
+subscriptionSchema.statics.findExpiring = function(days = 7) {
+  const future = new Date();
+  future.setDate(future.getDate() + days);
+  
+  return this.find({
+    status: 'active',
+    currentPeriodEnd: {
+      $gte: new Date(),
+      $lte: future
+    }
+  });
+};
+
+subscriptionSchema.statics.findPastDue = function() {
+  return this.find({ status: 'past_due' });
+};
+
+export const Subscription = mongoose.model('Subscription', subscriptionSchema);

marketing-agent/services/billing-service/src/models/Transaction.js

@@ -0,0 +1,239 @@
+import mongoose from 'mongoose';
+
+const transactionSchema = new mongoose.Schema({
+  // Multi-tenant support
+  tenantId: {
+    type: mongoose.Schema.Types.ObjectId,
+    ref: 'Tenant',
+    required: true,
+    index: true
+  },
+  
+  // Transaction details
+  transactionId: {
+    type: String,
+    required: true,
+    unique: true
+  },
+  
+  type: {
+    type: String,
+    enum: ['payment', 'refund', 'adjustment', 'payout'],
+    required: true
+  },
+  
+  status: {
+    type: String,
+    enum: ['pending', 'processing', 'succeeded', 'failed', 'canceled'],
+    default: 'pending',
+    index: true
+  },
+  
+  // Related entities
+  customerId: {
+    type: String,
+    required: true,
+    index: true
+  },
+  subscriptionId: {
+    type: mongoose.Schema.Types.ObjectId,
+    ref: 'Subscription'
+  },
+  invoiceId: {
+    type: mongoose.Schema.Types.ObjectId,
+    ref: 'Invoice'
+  },
+  paymentMethodId: {
+    type: mongoose.Schema.Types.ObjectId,
+    ref: 'PaymentMethod'
+  },
+  
+  // Amounts
+  amount: {
+    type: Number,
+    required: true
+  },
+  currency: {
+    type: String,
+    default: 'USD'
+  },
+  fee: {
+    type: Number,
+    default: 0
+  },
+  net: {
+    type: Number,
+    required: true
+  },
+  
+  // Processing details
+  processor: {
+    type: String,
+    enum: ['stripe', 'paypal', 'manual', 'bank_transfer'],
+    required: true
+  },
+  processorTransactionId: String,
+  processorResponse: mongoose.Schema.Types.Mixed,
+  
+  // Error handling
+  failureCode: String,
+  failureMessage: String,
+  retryCount: {
+    type: Number,
+    default: 0
+  },
+  nextRetryAt: Date,
+  
+  // Refund details (for refund transactions)
+  refund: {
+    originalTransactionId: String,
+    reason: String,
+    requestedBy: String
+  },
+  
+  // Description
+  description: String,
+  statementDescriptor: String,
+  
+  // Metadata
+  metadata: mongoose.Schema.Types.Mixed,
+  
+  // Timestamps
+  processedAt: Date,
+  failedAt: Date
+}, {
+  timestamps: true
+});
+
+// Indexes
+transactionSchema.index({ tenantId: 1, status: 1 });
+transactionSchema.index({ tenantId: 1, customerId: 1, createdAt: -1 });
+transactionSchema.index({ tenantId: 1, type: 1, status: 1 });
+transactionSchema.index({ tenantId: 1, invoiceId: 1 });
+
+// Virtual for display amount
+transactionSchema.virtual('displayAmount').get(function() {
+  const sign = this.type === 'refund' ? '-' : '';
+  return `${sign}${(this.amount / 100).toFixed(2)} ${this.currency}`;
+});
+
+// Methods
+transactionSchema.methods.markSuccessful = async function(processorResponse) {
+  this.status = 'succeeded';
+  this.processedAt = new Date();
+  this.processorResponse = processorResponse;
+  await this.save();
+};
+
+transactionSchema.methods.markFailed = async function(error) {
+  this.status = 'failed';
+  this.failedAt = new Date();
+  this.failureCode = error.code;
+  this.failureMessage = error.message;
+  this.retryCount += 1;
+  
+  // Set next retry time (exponential backoff)
+  if (this.retryCount < 3) {
+    const delayMinutes = Math.pow(2, this.retryCount) * 15; // 15, 30, 60 minutes
+    this.nextRetryAt = new Date(Date.now() + delayMinutes * 60 * 1000);
+  }
+  
+  await this.save();
+};
+
+transactionSchema.methods.canRetry = function() {
+  return this.status === 'failed' && 
+         this.retryCount < 3 && 
+         this.nextRetryAt && 
+         new Date() >= this.nextRetryAt;
+};
+
+transactionSchema.methods.createRefund = async function(amount, reason, requestedBy) {
+  if (this.type !== 'payment' || this.status !== 'succeeded') {
+    throw new Error('Can only refund successful payments');
+  }
+  
+  const refundTransaction = new this.constructor({
+    tenantId: this.tenantId,
+    transactionId: `rfnd_${Date.now()}_${Math.random().toString(36).substr(2, 9)}`,
+    type: 'refund',
+    customerId: this.customerId,
+    subscriptionId: this.subscriptionId,
+    invoiceId: this.invoiceId,
+    paymentMethodId: this.paymentMethodId,
+    amount: amount || this.amount,
+    currency: this.currency,
+    fee: 0,
+    net: -(amount || this.amount),
+    processor: this.processor,
+    refund: {
+      originalTransactionId: this.transactionId,
+      reason,
+      requestedBy
+    },
+    description: `Refund for ${this.transactionId}`
+  });
+  
+  await refundTransaction.save();
+  return refundTransaction;
+};
+
+// Statics
+transactionSchema.statics.generateTransactionId = function(type = 'txn') {
+  const timestamp = Date.now();
+  const random = Math.random().toString(36).substr(2, 9);
+  return `${type}_${timestamp}_${random}`;
+};
+
+transactionSchema.statics.findByCustomer = function(tenantId, customerId, options = {}) {
+  const query = { tenantId, customerId };
+  
+  if (options.type) query.type = options.type;
+  if (options.status) query.status = options.status;
+  if (options.startDate || options.endDate) {
+    query.createdAt = {};
+    if (options.startDate) query.createdAt.$gte = options.startDate;
+    if (options.endDate) query.createdAt.$lte = options.endDate;
+  }
+  
+  return this.find(query)
+    .sort({ createdAt: -1 })
+    .limit(options.limit || 100);
+};
+
+transactionSchema.statics.findPendingRetries = function() {
+  return this.find({
+    status: 'failed',
+    retryCount: { $lt: 3 },
+    nextRetryAt: { $lte: new Date() }
+  });
+};
+
+transactionSchema.statics.calculateRevenue = async function(tenantId, startDate, endDate) {
+  const result = await this.aggregate([
+    {
+      $match: {
+        tenantId: mongoose.Types.ObjectId(tenantId),
+        type: 'payment',
+        status: 'succeeded',
+        processedAt: {
+          $gte: startDate,
+          $lte: endDate
+        }
+      }
+    },
+    {
+      $group: {
+        _id: '$currency',
+        totalAmount: { $sum: '$amount' },
+        totalFees: { $sum: '$fee' },
+        totalNet: { $sum: '$net' },
+        count: { $sum: 1 }
+      }
+    }
+  ]);
+  
+  return result;
+};
+
+export const Transaction = mongoose.model('Transaction', transactionSchema);

marketing-agent/services/billing-service/src/routes/invoices.js

@@ -0,0 +1,353 @@
+import express from 'express';
+import { invoiceService } from '../services/invoiceService.js';
+import { authenticate, requireTenant } from '../middleware/auth.js';
+import { validateRequest } from '../middleware/validation.js';
+import { body, param, query } from 'express-validator';
+import { logger } from '../utils/logger.js';
+
+const router = express.Router();
+
+// Create invoice
+router.post('/',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    body('subscriptionId').optional().isMongoId(),
+    body('lineItems').isArray(),
+    body('lineItems.*.description').notEmpty(),
+    body('lineItems.*.quantity').isInt({ min: 1 }),
+    body('lineItems.*.unitPrice').isFloat({ min: 0 }),
+    body('dueDate').optional().isISO8601()
+  ]),
+  async (req, res) => {
+    try {
+      const invoice = await invoiceService.createInvoice(
+        req.tenantId,
+        {
+          ...req.body,
+          customerId: req.tenant.billing?.customerId,
+          customer: {
+            name: req.tenant.name,
+            email: req.tenant.owner.email,
+            address: req.tenant.billing?.billingAddress
+          }
+        }
+      );
+
+      res.status(201).json({
+        success: true,
+        invoice
+      });
+    } catch (error) {
+      logger.error('Create invoice error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to create invoice'
+      });
+    }
+  }
+);
+
+// Get invoices
+router.get('/',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    query('status').optional().isIn(['draft', 'open', 'paid', 'void', 'uncollectible']),
+    query('startDate').optional().isISO8601(),
+    query('endDate').optional().isISO8601(),
+    query('limit').optional().isInt({ min: 1, max: 100 })
+  ]),
+  async (req, res) => {
+    try {
+      const invoices = await invoiceService.getInvoices(
+        req.tenantId,
+        req.query
+      );
+
+      res.json({
+        success: true,
+        invoices
+      });
+    } catch (error) {
+      logger.error('Get invoices error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to get invoices'
+      });
+    }
+  }
+);
+
+// Get unpaid invoices
+router.get('/unpaid',
+  authenticate,
+  requireTenant,
+  async (req, res) => {
+    try {
+      const invoices = await invoiceService.getUnpaidInvoices(req.tenantId);
+
+      res.json({
+        success: true,
+        invoices,
+        totalDue: invoices.reduce((sum, inv) => sum + inv.amountDue, 0)
+      });
+    } catch (error) {
+      logger.error('Get unpaid invoices error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to get unpaid invoices'
+      });
+    }
+  }
+);
+
+// Get overdue invoices
+router.get('/overdue',
+  authenticate,
+  requireTenant,
+  async (req, res) => {
+    try {
+      const invoices = await invoiceService.getOverdueInvoices(req.tenantId);
+
+      res.json({
+        success: true,
+        invoices,
+        totalOverdue: invoices.reduce((sum, inv) => sum + inv.amountDue, 0)
+      });
+    } catch (error) {
+      logger.error('Get overdue invoices error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to get overdue invoices'
+      });
+    }
+  }
+);
+
+// Get invoice by ID
+router.get('/:id',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId()
+  ]),
+  async (req, res) => {
+    try {
+      const invoice = await invoiceService.getInvoice(
+        req.tenantId,
+        req.params.id
+      );
+
+      if (!invoice) {
+        return res.status(404).json({
+          success: false,
+          error: 'Invoice not found'
+        });
+      }
+
+      res.json({
+        success: true,
+        invoice
+      });
+    } catch (error) {
+      logger.error('Get invoice error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to get invoice'
+      });
+    }
+  }
+);
+
+// Update invoice (draft only)
+router.patch('/:id',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId(),
+    body('lineItems').optional().isArray(),
+    body('dueDate').optional().isISO8601()
+  ]),
+  async (req, res) => {
+    try {
+      const invoice = await invoiceService.updateInvoice(
+        req.tenantId,
+        req.params.id,
+        req.body
+      );
+
+      res.json({
+        success: true,
+        invoice
+      });
+    } catch (error) {
+      logger.error('Update invoice error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to update invoice'
+      });
+    }
+  }
+);
+
+// Finalize invoice
+router.post('/:id/finalize',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId()
+  ]),
+  async (req, res) => {
+    try {
+      const invoice = await invoiceService.finalizeInvoice(
+        req.tenantId,
+        req.params.id
+      );
+
+      res.json({
+        success: true,
+        invoice,
+        message: 'Invoice finalized and sent'
+      });
+    } catch (error) {
+      logger.error('Finalize invoice error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to finalize invoice'
+      });
+    }
+  }
+);
+
+// Pay invoice
+router.post('/:id/pay',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId(),
+    body('paymentMethodId').optional().isString()
+  ]),
+  async (req, res) => {
+    try {
+      const invoice = await invoiceService.payInvoice(
+        req.tenantId,
+        req.params.id,
+        {
+          paymentMethodId: req.body.paymentMethodId
+        }
+      );
+
+      res.json({
+        success: true,
+        invoice,
+        message: 'Invoice paid successfully'
+      });
+    } catch (error) {
+      logger.error('Pay invoice error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to pay invoice'
+      });
+    }
+  }
+);
+
+// Void invoice
+router.post('/:id/void',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId(),
+    body('reason').notEmpty()
+  ]),
+  async (req, res) => {
+    try {
+      const invoice = await invoiceService.voidInvoice(
+        req.tenantId,
+        req.params.id,
+        req.body.reason
+      );
+
+      res.json({
+        success: true,
+        invoice,
+        message: 'Invoice voided'
+      });
+    } catch (error) {
+      logger.error('Void invoice error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to void invoice'
+      });
+    }
+  }
+);
+
+// Download invoice PDF
+router.get('/:id/pdf',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId()
+  ]),
+  async (req, res) => {
+    try {
+      const invoice = await invoiceService.getInvoice(
+        req.tenantId,
+        req.params.id
+      );
+
+      if (!invoice) {
+        return res.status(404).json({
+          success: false,
+          error: 'Invoice not found'
+        });
+      }
+
+      // Generate PDF if not exists
+      if (!invoice.pdfUrl) {
+        await invoiceService.generatePDF(invoice);
+      }
+
+      // In production, redirect to cloud storage URL
+      res.redirect(invoice.pdfUrl);
+    } catch (error) {
+      logger.error('Download invoice PDF error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to download invoice'
+      });
+    }
+  }
+);
+
+// Send invoice reminder
+router.post('/:id/remind',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId()
+  ]),
+  async (req, res) => {
+    try {
+      await invoiceService.sendInvoiceReminder(
+        req.tenantId,
+        req.params.id
+      );
+
+      res.json({
+        success: true,
+        message: 'Invoice reminder sent'
+      });
+    } catch (error) {
+      logger.error('Send reminder error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to send reminder'
+      });
+    }
+  }
+);
+
+export default router;

marketing-agent/services/billing-service/src/routes/payment-methods.js

@@ -0,0 +1,222 @@
+import express from 'express';
+import { paymentMethodService } from '../services/paymentMethodService.js';
+import { authenticate, requireTenant } from '../middleware/auth.js';
+import { validateRequest } from '../middleware/validation.js';
+import { body, param, query } from 'express-validator';
+import { logger } from '../utils/logger.js';
+
+const router = express.Router();
+
+// Add payment method
+router.post('/',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    body('type').isIn(['card', 'bank_account']),
+    body('token').optional().isString(),
+    body('card').optional().isObject(),
+    body('bankAccount').optional().isObject()
+  ]),
+  async (req, res) => {
+    try {
+      const paymentMethod = await paymentMethodService.addPaymentMethod(
+        req.tenantId,
+        {
+          ...req.body,
+          customerId: req.tenant.billing?.customerId
+        }
+      );
+
+      res.status(201).json({
+        success: true,
+        paymentMethod
+      });
+    } catch (error) {
+      logger.error('Add payment method error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to add payment method'
+      });
+    }
+  }
+);
+
+// Get payment methods
+router.get('/',
+  authenticate,
+  requireTenant,
+  async (req, res) => {
+    try {
+      const paymentMethods = await paymentMethodService.getPaymentMethods(
+        req.tenantId
+      );
+
+      res.json({
+        success: true,
+        paymentMethods
+      });
+    } catch (error) {
+      logger.error('Get payment methods error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to get payment methods'
+      });
+    }
+  }
+);
+
+// Get payment method by ID
+router.get('/:id',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId()
+  ]),
+  async (req, res) => {
+    try {
+      const paymentMethod = await paymentMethodService.getPaymentMethod(
+        req.tenantId,
+        req.params.id
+      );
+
+      if (!paymentMethod) {
+        return res.status(404).json({
+          success: false,
+          error: 'Payment method not found'
+        });
+      }
+
+      res.json({
+        success: true,
+        paymentMethod
+      });
+    } catch (error) {
+      logger.error('Get payment method error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to get payment method'
+      });
+    }
+  }
+);
+
+// Update payment method
+router.patch('/:id',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId(),
+    body('billingAddress').optional().isObject(),
+    body('metadata').optional().isObject()
+  ]),
+  async (req, res) => {
+    try {
+      const paymentMethod = await paymentMethodService.updatePaymentMethod(
+        req.tenantId,
+        req.params.id,
+        req.body
+      );
+
+      res.json({
+        success: true,
+        paymentMethod
+      });
+    } catch (error) {
+      logger.error('Update payment method error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to update payment method'
+      });
+    }
+  }
+);
+
+// Set default payment method
+router.post('/:id/default',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId()
+  ]),
+  async (req, res) => {
+    try {
+      const paymentMethod = await paymentMethodService.setDefaultPaymentMethod(
+        req.tenantId,
+        req.params.id
+      );
+
+      res.json({
+        success: true,
+        paymentMethod,
+        message: 'Payment method set as default'
+      });
+    } catch (error) {
+      logger.error('Set default payment method error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to set default payment method'
+      });
+    }
+  }
+);
+
+// Remove payment method
+router.delete('/:id',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId()
+  ]),
+  async (req, res) => {
+    try {
+      await paymentMethodService.removePaymentMethod(
+        req.tenantId,
+        req.params.id
+      );
+
+      res.json({
+        success: true,
+        message: 'Payment method removed'
+      });
+    } catch (error) {
+      logger.error('Remove payment method error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to remove payment method'
+      });
+    }
+  }
+);
+
+// Verify payment method
+router.post('/:id/verify',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId(),
+    body('amounts').optional().isArray()
+  ]),
+  async (req, res) => {
+    try {
+      const paymentMethod = await paymentMethodService.verifyPaymentMethod(
+        req.tenantId,
+        req.params.id,
+        req.body.amounts
+      );
+
+      res.json({
+        success: true,
+        paymentMethod,
+        message: 'Payment method verified'
+      });
+    } catch (error) {
+      logger.error('Verify payment method error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to verify payment method'
+      });
+    }
+  }
+);
+
+export default router;

marketing-agent/services/billing-service/src/routes/subscriptions.js

@@ -0,0 +1,296 @@
+import express from 'express';
+import { subscriptionService } from '../services/subscriptionService.js';
+import { authenticate, requireTenant } from '../middleware/auth.js';
+import { validateRequest } from '../middleware/validation.js';
+import { body, param, query } from 'express-validator';
+import { logger } from '../utils/logger.js';
+
+const router = express.Router();
+
+// Create subscription
+router.post('/',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    body('plan').isIn(['free', 'starter', 'professional', 'enterprise']),
+    body('billingCycle').optional().isIn(['monthly', 'yearly']),
+    body('paymentMethodId').optional().isString()
+  ]),
+  async (req, res) => {
+    try {
+      const subscription = await subscriptionService.createSubscription(
+        req.tenantId,
+        {
+          ...req.body,
+          customerId: req.tenant.billing?.customerId
+        }
+      );
+
+      res.status(201).json({
+        success: true,
+        subscription
+      });
+    } catch (error) {
+      logger.error('Create subscription error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to create subscription'
+      });
+    }
+  }
+);
+
+// Get tenant subscriptions
+router.get('/',
+  authenticate,
+  requireTenant,
+  async (req, res) => {
+    try {
+      const subscriptions = await subscriptionService.getSubscriptionsByTenant(
+        req.tenantId
+      );
+
+      res.json({
+        success: true,
+        subscriptions
+      });
+    } catch (error) {
+      logger.error('Get subscriptions error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to get subscriptions'
+      });
+    }
+  }
+);
+
+// Get subscription by ID
+router.get('/:id',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId()
+  ]),
+  async (req, res) => {
+    try {
+      const subscription = await subscriptionService.getSubscription(
+        req.tenantId,
+        req.params.id
+      );
+
+      if (!subscription) {
+        return res.status(404).json({
+          success: false,
+          error: 'Subscription not found'
+        });
+      }
+
+      res.json({
+        success: true,
+        subscription
+      });
+    } catch (error) {
+      logger.error('Get subscription error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to get subscription'
+      });
+    }
+  }
+);
+
+// Update subscription
+router.patch('/:id',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId(),
+    body('plan').optional().isIn(['free', 'starter', 'professional', 'enterprise']),
+    body('quantity').optional().isInt({ min: 1 })
+  ]),
+  async (req, res) => {
+    try {
+      const subscription = await subscriptionService.updateSubscription(
+        req.tenantId,
+        req.params.id,
+        req.body
+      );
+
+      res.json({
+        success: true,
+        subscription
+      });
+    } catch (error) {
+      logger.error('Update subscription error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to update subscription'
+      });
+    }
+  }
+);
+
+// Cancel subscription
+router.post('/:id/cancel',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId(),
+    body('immediately').optional().isBoolean(),
+    body('reason').optional().isString()
+  ]),
+  async (req, res) => {
+    try {
+      const subscription = await subscriptionService.cancelSubscription(
+        req.tenantId,
+        req.params.id,
+        {
+          immediately: req.body.immediately,
+          reason: req.body.reason
+        }
+      );
+
+      res.json({
+        success: true,
+        subscription,
+        message: req.body.immediately ? 
+          'Subscription canceled immediately' : 
+          'Subscription will be canceled at the end of the billing period'
+      });
+    } catch (error) {
+      logger.error('Cancel subscription error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to cancel subscription'
+      });
+    }
+  }
+);
+
+// Reactivate subscription
+router.post('/:id/reactivate',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId()
+  ]),
+  async (req, res) => {
+    try {
+      const subscription = await subscriptionService.reactivateSubscription(
+        req.tenantId,
+        req.params.id
+      );
+
+      res.json({
+        success: true,
+        subscription,
+        message: 'Subscription reactivated successfully'
+      });
+    } catch (error) {
+      logger.error('Reactivate subscription error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to reactivate subscription'
+      });
+    }
+  }
+);
+
+// Record usage
+router.post('/:id/usage',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId(),
+    body('metric').notEmpty(),
+    body('quantity').isInt({ min: 1 })
+  ]),
+  async (req, res) => {
+    try {
+      const usage = await subscriptionService.recordUsage(
+        req.tenantId,
+        req.params.id,
+        req.body.metric,
+        req.body.quantity
+      );
+
+      res.json({
+        success: true,
+        usage
+      });
+    } catch (error) {
+      logger.error('Record usage error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to record usage'
+      });
+    }
+  }
+);
+
+// Apply discount
+router.post('/:id/discount',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId(),
+    body('couponCode').notEmpty()
+  ]),
+  async (req, res) => {
+    try {
+      const subscription = await subscriptionService.applyDiscount(
+        req.tenantId,
+        req.params.id,
+        req.body.couponCode
+      );
+
+      res.json({
+        success: true,
+        subscription,
+        message: 'Discount applied successfully'
+      });
+    } catch (error) {
+      logger.error('Apply discount error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to apply discount'
+      });
+    }
+  }
+);
+
+// Get subscription usage
+router.get('/:id/usage',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId(),
+    query('startDate').optional().isISO8601(),
+    query('endDate').optional().isISO8601()
+  ]),
+  async (req, res) => {
+    try {
+      const usage = await subscriptionService.getSubscriptionUsage(
+        req.tenantId,
+        req.params.id,
+        {
+          startDate: req.query.startDate,
+          endDate: req.query.endDate
+        }
+      );
+
+      res.json({
+        success: true,
+        usage
+      });
+    } catch (error) {
+      logger.error('Get usage error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to get usage'
+      });
+    }
+  }
+);
+
+export default router;

marketing-agent/services/billing-service/src/routes/transactions.js

@@ -0,0 +1,222 @@
+import express from 'express';
+import { transactionService } from '../services/transactionService.js';
+import { authenticate, requireTenant, requireAdmin } from '../middleware/auth.js';
+import { validateRequest } from '../middleware/validation.js';
+import { body, param, query } from 'express-validator';
+import { logger } from '../utils/logger.js';
+
+const router = express.Router();
+
+// Get transactions
+router.get('/',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    query('type').optional().isIn(['payment', 'refund', 'adjustment', 'fee']),
+    query('status').optional().isIn(['pending', 'processing', 'succeeded', 'failed', 'canceled']),
+    query('startDate').optional().isISO8601(),
+    query('endDate').optional().isISO8601(),
+    query('limit').optional().isInt({ min: 1, max: 100 }),
+    query('offset').optional().isInt({ min: 0 })
+  ]),
+  async (req, res) => {
+    try {
+      const transactions = await transactionService.getTransactions(
+        req.tenantId,
+        req.query
+      );
+
+      res.json({
+        success: true,
+        transactions
+      });
+    } catch (error) {
+      logger.error('Get transactions error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to get transactions'
+      });
+    }
+  }
+);
+
+// Get transaction by ID
+router.get('/:id',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId()
+  ]),
+  async (req, res) => {
+    try {
+      const transaction = await transactionService.getTransaction(
+        req.tenantId,
+        req.params.id
+      );
+
+      if (!transaction) {
+        return res.status(404).json({
+          success: false,
+          error: 'Transaction not found'
+        });
+      }
+
+      res.json({
+        success: true,
+        transaction
+      });
+    } catch (error) {
+      logger.error('Get transaction error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to get transaction'
+      });
+    }
+  }
+);
+
+// Create refund
+router.post('/:id/refund',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('id').isMongoId(),
+    body('amount').optional().isFloat({ min: 0 }),
+    body('reason').notEmpty(),
+    body('metadata').optional().isObject()
+  ]),
+  async (req, res) => {
+    try {
+      const refund = await transactionService.createRefund(
+        req.tenantId,
+        req.params.id,
+        {
+          ...req.body,
+          initiatedBy: req.user.id
+        }
+      );
+
+      res.status(201).json({
+        success: true,
+        refund,
+        message: 'Refund initiated successfully'
+      });
+    } catch (error) {
+      logger.error('Create refund error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to create refund'
+      });
+    }
+  }
+);
+
+// Get transaction summary
+router.get('/summary/:period',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('period').isIn(['daily', 'weekly', 'monthly', 'yearly']),
+    query('startDate').optional().isISO8601(),
+    query('endDate').optional().isISO8601()
+  ]),
+  async (req, res) => {
+    try {
+      const summary = await transactionService.getTransactionSummary(
+        req.tenantId,
+        req.params.period,
+        {
+          startDate: req.query.startDate,
+          endDate: req.query.endDate
+        }
+      );
+
+      res.json({
+        success: true,
+        summary
+      });
+    } catch (error) {
+      logger.error('Get transaction summary error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to get transaction summary'
+      });
+    }
+  }
+);
+
+// Export transactions
+router.get('/export/:format',
+  authenticate,
+  requireTenant,
+  validateRequest([
+    param('format').isIn(['csv', 'pdf', 'excel']),
+    query('startDate').optional().isISO8601(),
+    query('endDate').optional().isISO8601()
+  ]),
+  async (req, res) => {
+    try {
+      const { filename, data } = await transactionService.exportTransactions(
+        req.tenantId,
+        req.params.format,
+        {
+          startDate: req.query.startDate,
+          endDate: req.query.endDate
+        }
+      );
+
+      // Set appropriate headers based on format
+      const contentType = {
+        csv: 'text/csv',
+        pdf: 'application/pdf',
+        excel: 'application/vnd.openxmlformats-officedocument.spreadsheetml.sheet'
+      };
+
+      res.setHeader('Content-Type', contentType[req.params.format]);
+      res.setHeader('Content-Disposition', `attachment; filename="${filename}"`);
+      res.send(data);
+    } catch (error) {
+      logger.error('Export transactions error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to export transactions'
+      });
+    }
+  }
+);
+
+// Admin: Create manual adjustment
+router.post('/adjustment',
+  authenticate,
+  requireAdmin,
+  validateRequest([
+    body('tenantId').isMongoId(),
+    body('type').isIn(['credit', 'debit']),
+    body('amount').isFloat({ min: 0 }),
+    body('currency').optional().isString(),
+    body('reason').notEmpty(),
+    body('metadata').optional().isObject()
+  ]),
+  async (req, res) => {
+    try {
+      const adjustment = await transactionService.createAdjustment({
+        ...req.body,
+        createdBy: req.user.id
+      });
+
+      res.status(201).json({
+        success: true,
+        adjustment,
+        message: 'Adjustment created successfully'
+      });
+    } catch (error) {
+      logger.error('Create adjustment error:', error);
+      res.status(500).json({
+        success: false,
+        error: 'Failed to create adjustment'
+      });
+    }
+  }
+);
+
+export default router;

marketing-agent/services/billing-service/src/routes/webhooks.js

@@ -0,0 +1,142 @@
+import express from 'express';
+import { stripeService } from '../services/stripeService.js';
+import { webhookService } from '../services/webhookService.js';
+import { logger } from '../utils/logger.js';
+
+const router = express.Router();
+
+// Stripe webhook endpoint
+router.post('/stripe',
+  express.raw({ type: 'application/json' }),
+  async (req, res) => {
+    const signature = req.headers['stripe-signature'];
+    
+    try {
+      // Construct and verify webhook event
+      const event = stripeService.constructWebhookEvent(
+        req.body,
+        signature
+      );
+
+      logger.info('Webhook event received', { 
+        type: event.type,
+        id: event.id 
+      });
+
+      // Process the event
+      await webhookService.processStripeEvent(event);
+
+      // Acknowledge receipt of the event
+      res.json({ received: true });
+    } catch (error) {
+      logger.error('Webhook error:', error);
+      res.status(400).json({
+        error: 'Webhook error',
+        message: error.message
+      });
+    }
+  }
+);
+
+// Generic webhook endpoint for other services
+router.post('/:service/:type',
+  async (req, res) => {
+    try {
+      const { service, type } = req.params;
+      
+      // Verify webhook signature based on service
+      const isValid = await webhookService.verifyWebhook(
+        service,
+        req.headers,
+        req.body
+      );
+
+      if (!isValid) {
+        return res.status(401).json({
+          error: 'Invalid webhook signature'
+        });
+      }
+
+      // Process the webhook
+      await webhookService.processWebhook(service, type, req.body);
+
+      res.json({ received: true });
+    } catch (error) {
+      logger.error('Webhook processing error:', error);
+      res.status(500).json({
+        error: 'Failed to process webhook'
+      });
+    }
+  }
+);
+
+// Webhook test endpoint (for development)
+router.post('/test/:eventType',
+  async (req, res) => {
+    try {
+      if (process.env.NODE_ENV !== 'development') {
+        return res.status(403).json({
+          error: 'Test endpoint only available in development'
+        });
+      }
+
+      // Simulate webhook event
+      await webhookService.simulateEvent(req.params.eventType, req.body);
+
+      res.json({
+        success: true,
+        message: 'Test event processed'
+      });
+    } catch (error) {
+      logger.error('Test webhook error:', error);
+      res.status(500).json({
+        error: 'Failed to process test event'
+      });
+    }
+  }
+);
+
+// Webhook logs endpoint
+router.get('/logs',
+  async (req, res) => {
+    try {
+      const logs = await webhookService.getWebhookLogs({
+        limit: req.query.limit || 100,
+        offset: req.query.offset || 0,
+        service: req.query.service,
+        status: req.query.status
+      });
+
+      res.json({
+        success: true,
+        logs
+      });
+    } catch (error) {
+      logger.error('Get webhook logs error:', error);
+      res.status(500).json({
+        error: 'Failed to get webhook logs'
+      });
+    }
+  }
+);
+
+// Retry failed webhook
+router.post('/logs/:id/retry',
+  async (req, res) => {
+    try {
+      const result = await webhookService.retryWebhook(req.params.id);
+
+      res.json({
+        success: true,
+        result
+      });
+    } catch (error) {
+      logger.error('Retry webhook error:', error);
+      res.status(500).json({
+        error: 'Failed to retry webhook'
+      });
+    }
+  }
+);
+
+export default router;

marketing-agent/services/billing-service/src/server.js

@@ -0,0 +1,75 @@
+import app, { connectDB, setupGracefulShutdown } from './app.js';
+import { config } from './config/index.js';
+import { logger } from './utils/logger.js';
+import { subscriptionService } from './services/subscriptionService.js';
+import { invoiceService } from './services/invoiceService.js';
+import { paymentMethodService } from './services/paymentMethodService.js';
+import { transactionService } from './services/transactionService.js';
+
+// Start server
+async function startServer() {
+  try {
+    // Connect to database
+    await connectDB();
+    
+    // Start HTTP server
+    const server = app.listen(config.port, () => {
+      logger.info(`Billing service running on port ${config.port}`);
+      logger.info(`Environment: ${config.env}`);
+    });
+    
+    // Setup graceful shutdown
+    setupGracefulShutdown(server);
+    
+    // Start background jobs
+    startBackgroundJobs();
+    
+  } catch (error) {
+    logger.error('Failed to start server:', error);
+    process.exit(1);
+  }
+}
+
+// Background jobs
+function startBackgroundJobs() {
+  // Check expiring subscriptions daily
+  setInterval(async () => {
+    try {
+      await subscriptionService.checkExpiringSubscriptions();
+    } catch (error) {
+      logger.error('Error checking expiring subscriptions:', error);
+    }
+  }, 24 * 60 * 60 * 1000); // Daily
+  
+  // Check overdue invoices
+  setInterval(async () => {
+    try {
+      await invoiceService.checkOverdueInvoices();
+    } catch (error) {
+      logger.error('Error checking overdue invoices:', error);
+    }
+  }, 6 * 60 * 60 * 1000); // Every 6 hours
+  
+  // Check expiring payment methods
+  setInterval(async () => {
+    try {
+      await paymentMethodService.sendExpirationReminders();
+    } catch (error) {
+      logger.error('Error checking expiring payment methods:', error);
+    }
+  }, 24 * 60 * 60 * 1000); // Daily
+  
+  // Process failed transactions
+  setInterval(async () => {
+    try {
+      await transactionService.processFailedTransactions();
+    } catch (error) {
+      logger.error('Error processing failed transactions:', error);
+    }
+  }, 60 * 60 * 1000); // Hourly
+  
+  logger.info('Background jobs started');
+}
+
+// Start the server
+startServer();

marketing-agent/services/billing-service/src/services/invoiceService.js

@@ -0,0 +1,401 @@
+import { Invoice } from '../models/Invoice.js';
+import { Subscription } from '../models/Subscription.js';
+import { Transaction } from '../models/Transaction.js';
+import { stripeService } from './stripeService.js';
+import { pdfService } from './pdfService.js';
+import { logger } from '../utils/logger.js';
+import { sendEmail } from '../utils/email.js';
+
+class InvoiceService {
+  // Create invoice
+  async createInvoice(tenantId, data) {
+    try {
+      // Generate invoice number
+      const invoiceNumber = await Invoice.generateInvoiceNumber(tenantId);
+
+      // Create invoice
+      const invoice = new Invoice({
+        tenantId,
+        invoiceNumber,
+        subscriptionId: data.subscriptionId,
+        customerId: data.customerId,
+        periodStart: data.periodStart,
+        periodEnd: data.periodEnd,
+        status: 'draft',
+        lineItems: data.lineItems || [],
+        subtotal: 0,
+        total: 0,
+        amountDue: 0,
+        currency: data.currency || 'USD',
+        dueDate: data.dueDate || new Date(Date.now() + 30 * 24 * 60 * 60 * 1000), // 30 days
+        customer: data.customer,
+        metadata: data.metadata
+      });
+
+      // Calculate totals
+      invoice.calculateTotals();
+
+      await invoice.save();
+
+      logger.info('Invoice created', { 
+        tenantId,
+        invoiceId: invoice.id,
+        invoiceNumber 
+      });
+
+      return invoice;
+    } catch (error) {
+      logger.error('Failed to create invoice', error);
+      throw error;
+    }
+  }
+
+  // Create invoice from Stripe invoice
+  async createFromStripeInvoice(tenantId, stripeInvoice) {
+    try {
+      const invoice = new Invoice({
+        tenantId,
+        invoiceNumber: stripeInvoice.number || await Invoice.generateInvoiceNumber(tenantId),
+        subscriptionId: stripeInvoice.metadata?.subscriptionId,
+        customerId: stripeInvoice.customer,
+        periodStart: new Date(stripeInvoice.period_start * 1000),
+        periodEnd: new Date(stripeInvoice.period_end * 1000),
+        status: this.mapStripeStatus(stripeInvoice.status),
+        lineItems: stripeInvoice.lines.data.map(line => ({
+          description: line.description,
+          quantity: line.quantity,
+          unitPrice: line.unit_amount / 100,
+          amount: line.amount / 100,
+          currency: line.currency,
+          period: {
+            start: new Date(line.period.start * 1000),
+            end: new Date(line.period.end * 1000)
+          },
+          proration: line.proration,
+          type: line.type === 'subscription' ? 'subscription' : 'one_time'
+        })),
+        subtotal: stripeInvoice.subtotal / 100,
+        tax: stripeInvoice.tax ? {
+          rate: stripeInvoice.tax_percent,
+          amount: stripeInvoice.tax / 100
+        } : null,
+        total: stripeInvoice.total / 100,
+        currency: stripeInvoice.currency.toUpperCase(),
+        amountPaid: stripeInvoice.amount_paid / 100,
+        amountDue: stripeInvoice.amount_due / 100,
+        dueDate: stripeInvoice.due_date ? new Date(stripeInvoice.due_date * 1000) : null,
+        paidAt: stripeInvoice.status_transitions?.paid_at ? 
+          new Date(stripeInvoice.status_transitions.paid_at * 1000) : null,
+        stripeInvoiceId: stripeInvoice.id,
+        stripePaymentIntentId: stripeInvoice.payment_intent
+      });
+
+      await invoice.save();
+
+      // Create transaction if paid
+      if (invoice.status === 'paid') {
+        await this.createTransaction(invoice, stripeInvoice);
+      }
+
+      logger.info('Invoice created from Stripe', { 
+        invoiceId: invoice.id,
+        stripeInvoiceId: stripeInvoice.id 
+      });
+
+      return invoice;
+    } catch (error) {
+      logger.error('Failed to create invoice from Stripe', error);
+      throw error;
+    }
+  }
+
+  // Finalize invoice
+  async finalizeInvoice(tenantId, invoiceId) {
+    try {
+      const invoice = await Invoice.findOne({ 
+        _id: invoiceId, 
+        tenantId,
+        status: 'draft' 
+      });
+
+      if (!invoice) {
+        throw new Error('Invoice not found or already finalized');
+      }
+
+      // Finalize in Stripe if connected
+      if (invoice.stripeInvoiceId) {
+        await stripeService.finalizeInvoice(invoice.stripeInvoiceId);
+      }
+
+      // Update status
+      invoice.status = 'open';
+      await invoice.save();
+
+      // Generate PDF
+      await this.generatePDF(invoice);
+
+      // Send invoice email
+      await this.sendInvoiceEmail(invoice);
+
+      logger.info('Invoice finalized', { invoiceId });
+      return invoice;
+    } catch (error) {
+      logger.error('Failed to finalize invoice', error);
+      throw error;
+    }
+  }
+
+  // Pay invoice
+  async payInvoice(tenantId, invoiceId, paymentDetails) {
+    try {
+      const invoice = await Invoice.findOne({ 
+        _id: invoiceId, 
+        tenantId,
+        status: 'open' 
+      });
+
+      if (!invoice) {
+        throw new Error('Invoice not found or not payable');
+      }
+
+      // Process payment in Stripe if connected
+      if (invoice.stripeInvoiceId && paymentDetails.paymentMethodId) {
+        await stripeService.payInvoice(invoice.stripeInvoiceId);
+      }
+
+      // Mark as paid
+      await invoice.markPaid(paymentDetails);
+
+      // Create transaction
+      await this.createTransaction(invoice, paymentDetails);
+
+      // Send receipt
+      await this.sendReceiptEmail(invoice);
+
+      logger.info('Invoice paid', { invoiceId });
+      return invoice;
+    } catch (error) {
+      logger.error('Failed to pay invoice', error);
+      throw error;
+    }
+  }
+
+  // Void invoice
+  async voidInvoice(tenantId, invoiceId, reason) {
+    try {
+      const invoice = await Invoice.findOne({ 
+        _id: invoiceId, 
+        tenantId,
+        status: { $in: ['draft', 'open'] }
+      });
+
+      if (!invoice) {
+        throw new Error('Invoice not found or not voidable');
+      }
+
+      // Void in Stripe if connected
+      if (invoice.stripeInvoiceId) {
+        await stripeService.voidInvoice(invoice.stripeInvoiceId);
+      }
+
+      // Mark as void
+      await invoice.void(reason);
+
+      logger.info('Invoice voided', { invoiceId, reason });
+      return invoice;
+    } catch (error) {
+      logger.error('Failed to void invoice', error);
+      throw error;
+    }
+  }
+
+  // Generate PDF
+  async generatePDF(invoice) {
+    try {
+      // Populate related data
+      await invoice.populate('subscriptionId');
+
+      // Generate PDF
+      const pdfBuffer = await pdfService.generateInvoicePDF(invoice);
+
+      // Save PDF (in production, upload to cloud storage)
+      const pdfPath = `/invoices/${invoice.invoiceNumber}.pdf`;
+      invoice.pdfUrl = pdfPath;
+      await invoice.save();
+
+      logger.info('Invoice PDF generated', { 
+        invoiceId: invoice.id,
+        pdfPath 
+      });
+
+      return pdfPath;
+    } catch (error) {
+      logger.error('Failed to generate invoice PDF', error);
+      throw error;
+    }
+  }
+
+  // Get invoices
+  async getInvoices(tenantId, filters = {}) {
+    try {
+      const query = { tenantId };
+
+      if (filters.status) query.status = filters.status;
+      if (filters.customerId) query.customerId = filters.customerId;
+      if (filters.subscriptionId) query.subscriptionId = filters.subscriptionId;
+      
+      if (filters.startDate || filters.endDate) {
+        query.periodStart = {};
+        if (filters.startDate) query.periodStart.$gte = filters.startDate;
+        if (filters.endDate) query.periodStart.$lte = filters.endDate;
+      }
+
+      const invoices = await Invoice.find(query)
+        .sort({ createdAt: -1 })
+        .limit(filters.limit || 100);
+
+      return invoices;
+    } catch (error) {
+      logger.error('Failed to get invoices', error);
+      throw error;
+    }
+  }
+
+  // Get unpaid invoices
+  async getUnpaidInvoices(tenantId) {
+    try {
+      const invoices = await Invoice.findUnpaid(tenantId);
+      return invoices;
+    } catch (error) {
+      logger.error('Failed to get unpaid invoices', error);
+      throw error;
+    }
+  }
+
+  // Get overdue invoices
+  async getOverdueInvoices(tenantId) {
+    try {
+      const invoices = await Invoice.findOverdue(tenantId);
+      return invoices;
+    } catch (error) {
+      logger.error('Failed to get overdue invoices', error);
+      throw error;
+    }
+  }
+
+  // Check and handle overdue invoices
+  async checkOverdueInvoices() {
+    try {
+      const overdueInvoices = await Invoice.find({
+        status: 'open',
+        dueDate: { $lt: new Date() }
+      }).populate('tenantId');
+
+      for (const invoice of overdueInvoices) {
+        // Send reminder based on days overdue
+        if (invoice.daysOverdue === 1) {
+          await this.sendFirstReminder(invoice);
+        } else if (invoice.daysOverdue === 7) {
+          await this.sendSecondReminder(invoice);
+        } else if (invoice.daysOverdue === 14) {
+          await this.sendFinalNotice(invoice);
+        } else if (invoice.daysOverdue === 30) {
+          // Suspend tenant account
+          await this.suspendTenantForNonPayment(invoice);
+        }
+      }
+
+      logger.info('Checked overdue invoices', { 
+        count: overdueInvoices.length 
+      });
+    } catch (error) {
+      logger.error('Failed to check overdue invoices', error);
+    }
+  }
+
+  // Private methods
+  mapStripeStatus(stripeStatus) {
+    const statusMap = {
+      'draft': 'draft',
+      'open': 'open',
+      'paid': 'paid',
+      'void': 'void',
+      'uncollectible': 'uncollectible'
+    };
+    return statusMap[stripeStatus] || 'draft';
+  }
+
+  async createTransaction(invoice, paymentDetails) {
+    const transaction = new Transaction({
+      tenantId: invoice.tenantId,
+      transactionId: Transaction.generateTransactionId('pmt'),
+      type: 'payment',
+      status: 'succeeded',
+      customerId: invoice.customerId,
+      subscriptionId: invoice.subscriptionId,
+      invoiceId: invoice._id,
+      amount: invoice.total * 100, // Convert to cents
+      currency: invoice.currency,
+      fee: 0, // Would come from payment processor
+      net: invoice.total * 100,
+      processor: 'stripe',
+      processorTransactionId: paymentDetails.payment_intent || paymentDetails.stripePaymentIntentId,
+      description: `Payment for invoice ${invoice.invoiceNumber}`,
+      processedAt: new Date()
+    });
+
+    await transaction.save();
+    return transaction;
+  }
+
+  async suspendTenantForNonPayment(invoice) {
+    // Update tenant status
+    const tenant = invoice.tenantId;
+    tenant.status = 'suspended';
+    tenant.suspendedAt = new Date();
+    if (!tenant.metadata) tenant.metadata = {};
+    tenant.metadata.suspensionReason = `Overdue invoice ${invoice.invoiceNumber}`;
+    await tenant.save();
+
+    // Send suspension notification
+    await sendEmail({
+      to: invoice.customer.email,
+      subject: 'Account Suspended - Payment Required',
+      template: 'accountSuspended',
+      data: {
+        tenantName: tenant.name,
+        invoiceNumber: invoice.invoiceNumber,
+        amountDue: invoice.amountDue,
+        daysOverdue: invoice.daysOverdue
+      }
+    });
+
+    logger.info('Tenant suspended for non-payment', { 
+      tenantId: tenant.id,
+      invoiceId: invoice.id 
+    });
+  }
+
+  // Email notifications
+  async sendInvoiceEmail(invoice) {
+    logger.info('Invoice email sent', { invoiceId: invoice.id });
+  }
+
+  async sendReceiptEmail(invoice) {
+    logger.info('Receipt email sent', { invoiceId: invoice.id });
+  }
+
+  async sendFirstReminder(invoice) {
+    logger.info('First reminder sent', { invoiceId: invoice.id });
+  }
+
+  async sendSecondReminder(invoice) {
+    logger.info('Second reminder sent', { invoiceId: invoice.id });
+  }
+
+  async sendFinalNotice(invoice) {
+    logger.info('Final notice sent', { invoiceId: invoice.id });
+  }
+}
+
+export const invoiceService = new InvoiceService();

marketing-agent/services/billing-service/src/services/paymentMethodService.js

@@ -0,0 +1,319 @@
+import { PaymentMethod } from '../models/PaymentMethod.js';
+import { stripeService } from './stripeService.js';
+import { logger } from '../utils/logger.js';
+import crypto from 'crypto';
+
+class PaymentMethodService {
+  // Add payment method
+  async addPaymentMethod(tenantId, data) {
+    try {
+      let stripePaymentMethodId;
+
+      // Create or attach payment method in Stripe
+      if (data.token) {
+        // Token from Stripe.js
+        const paymentMethod = await stripeService.createPaymentMethod({
+          type: data.type,
+          card: { token: data.token }
+        });
+        stripePaymentMethodId = paymentMethod.id;
+      } else if (data.stripePaymentMethodId) {
+        stripePaymentMethodId = data.stripePaymentMethodId;
+      }
+
+      // Attach to customer if provided
+      if (stripePaymentMethodId && data.customerId) {
+        await stripeService.attachPaymentMethod(
+          stripePaymentMethodId,
+          data.customerId
+        );
+      }
+
+      // Create local record
+      const paymentMethod = new PaymentMethod({
+        tenantId,
+        customerId: data.customerId,
+        type: data.type,
+        card: data.card ? {
+          brand: data.card.brand,
+          last4: data.card.last4,
+          expMonth: data.card.expMonth,
+          expYear: data.card.expYear,
+          fingerprint: data.card.fingerprint || this.generateFingerprint(data.card)
+        } : null,
+        bankAccount: data.bankAccount ? {
+          bankName: data.bankAccount.bankName,
+          accountType: data.bankAccount.accountType,
+          last4: data.bankAccount.last4,
+          routingNumber: data.bankAccount.routingNumber
+        } : null,
+        billingAddress: data.billingAddress,
+        stripePaymentMethodId,
+        metadata: data.metadata
+      });
+
+      await paymentMethod.save();
+
+      logger.info('Payment method added', { 
+        tenantId,
+        paymentMethodId: paymentMethod.id,
+        type: data.type 
+      });
+
+      return paymentMethod;
+    } catch (error) {
+      logger.error('Failed to add payment method', error);
+      throw error;
+    }
+  }
+
+  // Get payment methods
+  async getPaymentMethods(tenantId, customerId = null) {
+    try {
+      const query = { tenantId, status: 'active' };
+      if (customerId) query.customerId = customerId;
+
+      const paymentMethods = await PaymentMethod.find(query)
+        .sort({ isDefault: -1, createdAt: -1 });
+
+      return paymentMethods;
+    } catch (error) {
+      logger.error('Failed to get payment methods', error);
+      throw error;
+    }
+  }
+
+  // Get payment method by ID
+  async getPaymentMethod(tenantId, paymentMethodId) {
+    try {
+      const paymentMethod = await PaymentMethod.findOne({
+        _id: paymentMethodId,
+        tenantId
+      });
+
+      return paymentMethod;
+    } catch (error) {
+      logger.error('Failed to get payment method', error);
+      throw error;
+    }
+  }
+
+  // Update payment method
+  async updatePaymentMethod(tenantId, paymentMethodId, updates) {
+    try {
+      const paymentMethod = await PaymentMethod.findOne({
+        _id: paymentMethodId,
+        tenantId
+      });
+
+      if (!paymentMethod) {
+        throw new Error('Payment method not found');
+      }
+
+      // Update in Stripe if applicable
+      if (paymentMethod.stripePaymentMethodId && updates.billingAddress) {
+        await stripeService.updatePaymentMethod(
+          paymentMethod.stripePaymentMethodId,
+          {
+            billing_details: {
+              address: updates.billingAddress
+            }
+          }
+        );
+      }
+
+      // Update local record
+      if (updates.billingAddress) paymentMethod.billingAddress = updates.billingAddress;
+      if (updates.metadata) paymentMethod.metadata = { ...paymentMethod.metadata, ...updates.metadata };
+
+      await paymentMethod.save();
+
+      logger.info('Payment method updated', { paymentMethodId });
+      return paymentMethod;
+    } catch (error) {
+      logger.error('Failed to update payment method', error);
+      throw error;
+    }
+  }
+
+  // Set default payment method
+  async setDefaultPaymentMethod(tenantId, paymentMethodId) {
+    try {
+      // Remove current default
+      await PaymentMethod.updateMany(
+        { tenantId, isDefault: true },
+        { isDefault: false }
+      );
+
+      // Set new default
+      const paymentMethod = await PaymentMethod.findOneAndUpdate(
+        { _id: paymentMethodId, tenantId },
+        { isDefault: true },
+        { new: true }
+      );
+
+      if (!paymentMethod) {
+        throw new Error('Payment method not found');
+      }
+
+      // Update in Stripe
+      if (paymentMethod.stripePaymentMethodId && paymentMethod.customerId) {
+        await stripeService.setDefaultPaymentMethod(
+          paymentMethod.customerId,
+          paymentMethod.stripePaymentMethodId
+        );
+      }
+
+      logger.info('Default payment method set', { paymentMethodId });
+      return paymentMethod;
+    } catch (error) {
+      logger.error('Failed to set default payment method', error);
+      throw error;
+    }
+  }
+
+  // Remove payment method
+  async removePaymentMethod(tenantId, paymentMethodId) {
+    try {
+      const paymentMethod = await PaymentMethod.findOne({
+        _id: paymentMethodId,
+        tenantId
+      });
+
+      if (!paymentMethod) {
+        throw new Error('Payment method not found');
+      }
+
+      if (paymentMethod.isDefault) {
+        throw new Error('Cannot remove default payment method');
+      }
+
+      // Detach from Stripe
+      if (paymentMethod.stripePaymentMethodId) {
+        await stripeService.detachPaymentMethod(paymentMethod.stripePaymentMethodId);
+      }
+
+      // Soft delete
+      paymentMethod.status = 'removed';
+      paymentMethod.removedAt = new Date();
+      await paymentMethod.save();
+
+      logger.info('Payment method removed', { paymentMethodId });
+    } catch (error) {
+      logger.error('Failed to remove payment method', error);
+      throw error;
+    }
+  }
+
+  // Verify bank account
+  async verifyPaymentMethod(tenantId, paymentMethodId, amounts) {
+    try {
+      const paymentMethod = await PaymentMethod.findOne({
+        _id: paymentMethodId,
+        tenantId,
+        type: 'bank_account',
+        'verification.status': 'pending'
+      });
+
+      if (!paymentMethod) {
+        throw new Error('Payment method not found or not verifiable');
+      }
+
+      // Check verification attempts
+      if (paymentMethod.verification.attempts >= 3) {
+        throw new Error('Maximum verification attempts exceeded');
+      }
+
+      // Verify amounts
+      const isValid = amounts.every((amount, index) => 
+        amount === paymentMethod.verification.amounts[index]
+      );
+
+      paymentMethod.verification.attempts += 1;
+
+      if (isValid) {
+        paymentMethod.verification.status = 'verified';
+        paymentMethod.verification.verifiedAt = new Date();
+        paymentMethod.status = 'verified';
+      } else if (paymentMethod.verification.attempts >= 3) {
+        paymentMethod.verification.status = 'failed';
+        paymentMethod.status = 'failed';
+      }
+
+      await paymentMethod.save();
+
+      logger.info('Payment method verification attempt', { 
+        paymentMethodId,
+        isValid,
+        attempts: paymentMethod.verification.attempts 
+      });
+
+      return paymentMethod;
+    } catch (error) {
+      logger.error('Failed to verify payment method', error);
+      throw error;
+    }
+  }
+
+  // Generate card fingerprint
+  generateFingerprint(card) {
+    const data = `${card.number}-${card.expMonth}-${card.expYear}`;
+    return crypto.createHash('sha256').update(data).digest('hex');
+  }
+
+  // Check for duplicate cards
+  async checkDuplicateCard(tenantId, fingerprint) {
+    const existing = await PaymentMethod.findOne({
+      tenantId,
+      'card.fingerprint': fingerprint,
+      status: 'active'
+    });
+
+    return existing;
+  }
+
+  // Get expiring cards
+  async getExpiringCards(daysAhead = 30) {
+    const expirationDate = new Date();
+    expirationDate.setDate(expirationDate.getDate() + daysAhead);
+    
+    const currentYear = new Date().getFullYear();
+    const currentMonth = new Date().getMonth() + 1;
+    const targetYear = expirationDate.getFullYear();
+    const targetMonth = expirationDate.getMonth() + 1;
+
+    const expiringCards = await PaymentMethod.find({
+      type: 'card',
+      status: 'active',
+      $or: [
+        { 'card.expYear': currentYear, 'card.expMonth': { $lte: targetMonth } },
+        { 'card.expYear': { $lt: targetYear, $gt: currentYear } }
+      ]
+    }).populate('tenantId');
+
+    return expiringCards;
+  }
+
+  // Send expiration reminders
+  async sendExpirationReminders() {
+    try {
+      const expiringCards = await this.getExpiringCards(30);
+
+      for (const card of expiringCards) {
+        // Send reminder email
+        logger.info('Card expiration reminder sent', { 
+          paymentMethodId: card.id,
+          expiresIn: `${card.card.expMonth}/${card.card.expYear}`
+        });
+      }
+
+      logger.info('Expiration reminders processed', { 
+        count: expiringCards.length 
+      });
+    } catch (error) {
+      logger.error('Failed to send expiration reminders', error);
+    }
+  }
+}
+
+export const paymentMethodService = new PaymentMethodService();

marketing-agent/services/billing-service/src/services/stripeService.js

@@ -0,0 +1,343 @@
+import Stripe from 'stripe';
+import { config } from '../config/index.js';
+import { logger } from '../utils/logger.js';
+
+class StripeService {
+  constructor() {
+    this.stripe = new Stripe(config.stripe.secretKey, {
+      apiVersion: '2023-10-16'
+    });
+  }
+
+  // Customer management
+  async createCustomer(data) {
+    try {
+      const customer = await this.stripe.customers.create({
+        email: data.email,
+        name: data.name,
+        phone: data.phone,
+        metadata: {
+          tenantId: data.tenantId,
+          userId: data.userId
+        }
+      });
+      
+      logger.info('Stripe customer created', { customerId: customer.id });
+      return customer;
+    } catch (error) {
+      logger.error('Failed to create Stripe customer', error);
+      throw error;
+    }
+  }
+
+  async updateCustomer(customerId, data) {
+    try {
+      const customer = await this.stripe.customers.update(customerId, data);
+      return customer;
+    } catch (error) {
+      logger.error('Failed to update Stripe customer', error);
+      throw error;
+    }
+  }
+
+  async deleteCustomer(customerId) {
+    try {
+      const deleted = await this.stripe.customers.del(customerId);
+      return deleted;
+    } catch (error) {
+      logger.error('Failed to delete Stripe customer', error);
+      throw error;
+    }
+  }
+
+  // Payment methods
+  async attachPaymentMethod(paymentMethodId, customerId) {
+    try {
+      const paymentMethod = await this.stripe.paymentMethods.attach(
+        paymentMethodId,
+        { customer: customerId }
+      );
+      return paymentMethod;
+    } catch (error) {
+      logger.error('Failed to attach payment method', error);
+      throw error;
+    }
+  }
+
+  async detachPaymentMethod(paymentMethodId) {
+    try {
+      const paymentMethod = await this.stripe.paymentMethods.detach(paymentMethodId);
+      return paymentMethod;
+    } catch (error) {
+      logger.error('Failed to detach payment method', error);
+      throw error;
+    }
+  }
+
+  async setDefaultPaymentMethod(customerId, paymentMethodId) {
+    try {
+      await this.stripe.customers.update(customerId, {
+        invoice_settings: {
+          default_payment_method: paymentMethodId
+        }
+      });
+    } catch (error) {
+      logger.error('Failed to set default payment method', error);
+      throw error;
+    }
+  }
+
+  // Subscriptions
+  async createSubscription(data) {
+    try {
+      const subscription = await this.stripe.subscriptions.create({
+        customer: data.customerId,
+        items: [{ price: data.priceId }],
+        trial_period_days: data.trialDays,
+        metadata: {
+          tenantId: data.tenantId,
+          plan: data.plan
+        },
+        expand: ['latest_invoice.payment_intent']
+      });
+      
+      logger.info('Stripe subscription created', { subscriptionId: subscription.id });
+      return subscription;
+    } catch (error) {
+      logger.error('Failed to create Stripe subscription', error);
+      throw error;
+    }
+  }
+
+  async updateSubscription(subscriptionId, data) {
+    try {
+      const subscription = await this.stripe.subscriptions.update(subscriptionId, data);
+      return subscription;
+    } catch (error) {
+      logger.error('Failed to update Stripe subscription', error);
+      throw error;
+    }
+  }
+
+  async cancelSubscription(subscriptionId, immediately = false) {
+    try {
+      if (immediately) {
+        const subscription = await this.stripe.subscriptions.del(subscriptionId);
+        return subscription;
+      } else {
+        const subscription = await this.stripe.subscriptions.update(subscriptionId, {
+          cancel_at_period_end: true
+        });
+        return subscription;
+      }
+    } catch (error) {
+      logger.error('Failed to cancel Stripe subscription', error);
+      throw error;
+    }
+  }
+
+  // Usage-based billing
+  async recordUsage(subscriptionItemId, quantity, timestamp) {
+    try {
+      const usageRecord = await this.stripe.subscriptionItems.createUsageRecord(
+        subscriptionItemId,
+        {
+          quantity,
+          timestamp: timestamp || Math.floor(Date.now() / 1000),
+          action: 'increment'
+        }
+      );
+      return usageRecord;
+    } catch (error) {
+      logger.error('Failed to record usage', error);
+      throw error;
+    }
+  }
+
+  // Invoices
+  async createInvoice(customerId) {
+    try {
+      const invoice = await this.stripe.invoices.create({
+        customer: customerId,
+        auto_advance: true
+      });
+      return invoice;
+    } catch (error) {
+      logger.error('Failed to create invoice', error);
+      throw error;
+    }
+  }
+
+  async finalizeInvoice(invoiceId) {
+    try {
+      const invoice = await this.stripe.invoices.finalizeInvoice(invoiceId);
+      return invoice;
+    } catch (error) {
+      logger.error('Failed to finalize invoice', error);
+      throw error;
+    }
+  }
+
+  async payInvoice(invoiceId) {
+    try {
+      const invoice = await this.stripe.invoices.pay(invoiceId);
+      return invoice;
+    } catch (error) {
+      logger.error('Failed to pay invoice', error);
+      throw error;
+    }
+  }
+
+  async voidInvoice(invoiceId) {
+    try {
+      const invoice = await this.stripe.invoices.voidInvoice(invoiceId);
+      return invoice;
+    } catch (error) {
+      logger.error('Failed to void invoice', error);
+      throw error;
+    }
+  }
+
+  // Payment intents
+  async createPaymentIntent(data) {
+    try {
+      const paymentIntent = await this.stripe.paymentIntents.create({
+        amount: data.amount,
+        currency: data.currency || 'usd',
+        customer: data.customerId,
+        payment_method: data.paymentMethodId,
+        confirm: data.confirm || false,
+        metadata: data.metadata
+      });
+      return paymentIntent;
+    } catch (error) {
+      logger.error('Failed to create payment intent', error);
+      throw error;
+    }
+  }
+
+  async confirmPaymentIntent(paymentIntentId) {
+    try {
+      const paymentIntent = await this.stripe.paymentIntents.confirm(paymentIntentId);
+      return paymentIntent;
+    } catch (error) {
+      logger.error('Failed to confirm payment intent', error);
+      throw error;
+    }
+  }
+
+  // Refunds
+  async createRefund(data) {
+    try {
+      const refund = await this.stripe.refunds.create({
+        payment_intent: data.paymentIntentId,
+        amount: data.amount,
+        reason: data.reason,
+        metadata: data.metadata
+      });
+      return refund;
+    } catch (error) {
+      logger.error('Failed to create refund', error);
+      throw error;
+    }
+  }
+
+  // Webhooks
+  constructWebhookEvent(payload, signature) {
+    try {
+      return this.stripe.webhooks.constructEvent(
+        payload,
+        signature,
+        config.stripe.webhookSecret
+      );
+    } catch (error) {
+      logger.error('Failed to construct webhook event', error);
+      throw error;
+    }
+  }
+
+  // Prices and products
+  async createProduct(data) {
+    try {
+      const product = await this.stripe.products.create({
+        name: data.name,
+        description: data.description,
+        metadata: data.metadata
+      });
+      return product;
+    } catch (error) {
+      logger.error('Failed to create product', error);
+      throw error;
+    }
+  }
+
+  async createPrice(data) {
+    try {
+      const price = await this.stripe.prices.create({
+        product: data.productId,
+        unit_amount: data.amount,
+        currency: data.currency || 'usd',
+        recurring: data.recurring ? {
+          interval: data.interval || 'month',
+          interval_count: data.intervalCount || 1
+        } : undefined,
+        metadata: data.metadata
+      });
+      return price;
+    } catch (error) {
+      logger.error('Failed to create price', error);
+      throw error;
+    }
+  }
+
+  // Coupons
+  async createCoupon(data) {
+    try {
+      const coupon = await this.stripe.coupons.create({
+        percent_off: data.percentOff,
+        amount_off: data.amountOff,
+        currency: data.currency,
+        duration: data.duration,
+        duration_in_months: data.durationInMonths,
+        max_redemptions: data.maxRedemptions,
+        metadata: data.metadata
+      });
+      return coupon;
+    } catch (error) {
+      logger.error('Failed to create coupon', error);
+      throw error;
+    }
+  }
+
+  // Reports
+  async getBalanceTransactions(options = {}) {
+    try {
+      const transactions = await this.stripe.balanceTransactions.list({
+        limit: options.limit || 100,
+        starting_after: options.startingAfter,
+        ending_before: options.endingBefore,
+        created: options.created
+      });
+      return transactions;
+    } catch (error) {
+      logger.error('Failed to get balance transactions', error);
+      throw error;
+    }
+  }
+
+  async getCharges(options = {}) {
+    try {
+      const charges = await this.stripe.charges.list({
+        limit: options.limit || 100,
+        customer: options.customerId,
+        created: options.created
+      });
+      return charges;
+    } catch (error) {
+      logger.error('Failed to get charges', error);
+      throw error;
+    }
+  }
+}
+
+export const stripeService = new StripeService();

marketing-agent/services/billing-service/src/services/subscriptionService.js

@@ -0,0 +1,381 @@
+import { Subscription } from '../models/Subscription.js';
+import { Invoice } from '../models/Invoice.js';
+import { Transaction } from '../models/Transaction.js';
+import { stripeService } from './stripeService.js';
+import { invoiceService } from './invoiceService.js';
+import { logger } from '../utils/logger.js';
+import { sendEmail } from '../utils/email.js';
+
+class SubscriptionService {
+  // Create subscription
+  async createSubscription(tenantId, data) {
+    try {
+      // Create Stripe subscription
+      const stripeSubscription = await stripeService.createSubscription({
+        customerId: data.stripeCustomerId,
+        priceId: data.stripePriceId,
+        trialDays: data.trialDays,
+        tenantId,
+        plan: data.plan
+      });
+
+      // Create local subscription record
+      const subscription = new Subscription({
+        tenantId,
+        customerId: data.customerId,
+        subscriptionId: stripeSubscription.id,
+        plan: data.plan,
+        planName: data.planName,
+        planPrice: data.planPrice,
+        currency: data.currency || 'USD',
+        billingCycle: data.billingCycle || 'monthly',
+        interval: data.interval || 1,
+        status: stripeSubscription.status,
+        currentPeriodStart: new Date(stripeSubscription.current_period_start * 1000),
+        currentPeriodEnd: new Date(stripeSubscription.current_period_end * 1000),
+        trialStart: stripeSubscription.trial_start ? new Date(stripeSubscription.trial_start * 1000) : null,
+        trialEnd: stripeSubscription.trial_end ? new Date(stripeSubscription.trial_end * 1000) : null,
+        stripeCustomerId: data.stripeCustomerId,
+        stripeSubscriptionId: stripeSubscription.id,
+        stripePriceId: data.stripePriceId,
+        metadata: data.metadata
+      });
+
+      await subscription.save();
+
+      // Send welcome email
+      await this.sendWelcomeEmail(subscription);
+
+      logger.info('Subscription created', { 
+        tenantId, 
+        subscriptionId: subscription.id,
+        plan: data.plan 
+      });
+
+      return subscription;
+    } catch (error) {
+      logger.error('Failed to create subscription', error);
+      throw error;
+    }
+  }
+
+  // Update subscription
+  async updateSubscription(tenantId, subscriptionId, updates) {
+    try {
+      const subscription = await Subscription.findOne({ 
+        _id: subscriptionId, 
+        tenantId 
+      });
+
+      if (!subscription) {
+        throw new Error('Subscription not found');
+      }
+
+      // Update Stripe subscription if needed
+      if (updates.plan || updates.quantity) {
+        const stripeUpdates = {};
+        
+        if (updates.plan) {
+          stripeUpdates.items = [{
+            id: subscription.stripeSubscriptionId,
+            price: updates.stripePriceId
+          }];
+        }
+
+        await stripeService.updateSubscription(
+          subscription.stripeSubscriptionId,
+          stripeUpdates
+        );
+      }
+
+      // Update local record
+      Object.assign(subscription, updates);
+      await subscription.save();
+
+      logger.info('Subscription updated', { subscriptionId });
+      return subscription;
+    } catch (error) {
+      logger.error('Failed to update subscription', error);
+      throw error;
+    }
+  }
+
+  // Cancel subscription
+  async cancelSubscription(tenantId, subscriptionId, options = {}) {
+    try {
+      const subscription = await Subscription.findOne({ 
+        _id: subscriptionId, 
+        tenantId 
+      });
+
+      if (!subscription) {
+        throw new Error('Subscription not found');
+      }
+
+      // Cancel in Stripe
+      await stripeService.cancelSubscription(
+        subscription.stripeSubscriptionId,
+        options.immediately
+      );
+
+      // Update local record
+      await subscription.cancel(options.immediately);
+
+      // Send cancellation email
+      await this.sendCancellationEmail(subscription);
+
+      logger.info('Subscription canceled', { 
+        subscriptionId,
+        immediately: options.immediately 
+      });
+
+      return subscription;
+    } catch (error) {
+      logger.error('Failed to cancel subscription', error);
+      throw error;
+    }
+  }
+
+  // Reactivate subscription
+  async reactivateSubscription(tenantId, subscriptionId) {
+    try {
+      const subscription = await Subscription.findOne({ 
+        _id: subscriptionId, 
+        tenantId,
+        status: 'canceled'
+      });
+
+      if (!subscription) {
+        throw new Error('Subscription not found or not canceled');
+      }
+
+      // Reactivate in Stripe
+      const stripeSubscription = await stripeService.updateSubscription(
+        subscription.stripeSubscriptionId,
+        { cancel_at_period_end: false }
+      );
+
+      // Update local record
+      subscription.status = 'active';
+      subscription.canceledAt = null;
+      subscription.endedAt = null;
+      await subscription.save();
+
+      logger.info('Subscription reactivated', { subscriptionId });
+      return subscription;
+    } catch (error) {
+      logger.error('Failed to reactivate subscription', error);
+      throw error;
+    }
+  }
+
+  // Record usage for metered billing
+  async recordUsage(tenantId, subscriptionId, metric, quantity) {
+    try {
+      const subscription = await Subscription.findOne({ 
+        _id: subscriptionId, 
+        tenantId 
+      });
+
+      if (!subscription) {
+        throw new Error('Subscription not found');
+      }
+
+      // Record usage in Stripe if configured
+      if (subscription.metadata?.stripeUsageItemId) {
+        await stripeService.recordUsage(
+          subscription.metadata.stripeUsageItemId,
+          quantity
+        );
+      }
+
+      // Record usage locally
+      const usage = await subscription.recordUsage(metric, quantity, 0.01); // $0.01 per unit
+
+      logger.info('Usage recorded', { 
+        subscriptionId,
+        metric,
+        quantity 
+      });
+
+      return usage;
+    } catch (error) {
+      logger.error('Failed to record usage', error);
+      throw error;
+    }
+  }
+
+  // Apply discount
+  async applyDiscount(tenantId, subscriptionId, couponCode) {
+    try {
+      const subscription = await Subscription.findOne({ 
+        _id: subscriptionId, 
+        tenantId 
+      });
+
+      if (!subscription) {
+        throw new Error('Subscription not found');
+      }
+
+      // Apply coupon in Stripe
+      await stripeService.updateSubscription(
+        subscription.stripeSubscriptionId,
+        { coupon: couponCode }
+      );
+
+      // Update local record
+      await subscription.applyDiscount({
+        coupon: couponCode,
+        // Additional discount details would come from Stripe
+      });
+
+      logger.info('Discount applied', { 
+        subscriptionId,
+        couponCode 
+      });
+
+      return subscription;
+    } catch (error) {
+      logger.error('Failed to apply discount', error);
+      throw error;
+    }
+  }
+
+  // Get subscription by tenant
+  async getSubscriptionsByTenant(tenantId) {
+    try {
+      const subscriptions = await Subscription.findByTenant(tenantId);
+      return subscriptions;
+    } catch (error) {
+      logger.error('Failed to get subscriptions', error);
+      throw error;
+    }
+  }
+
+  // Check and handle expiring subscriptions
+  async checkExpiringSubscriptions() {
+    try {
+      const expiringSubscriptions = await Subscription.findExpiring(7); // 7 days
+
+      for (const subscription of expiringSubscriptions) {
+        await this.sendRenewalReminder(subscription);
+      }
+
+      logger.info('Checked expiring subscriptions', { 
+        count: expiringSubscriptions.length 
+      });
+    } catch (error) {
+      logger.error('Failed to check expiring subscriptions', error);
+    }
+  }
+
+  // Handle subscription webhook events
+  async handleWebhookEvent(event) {
+    try {
+      const subscription = await Subscription.findOne({ 
+        stripeSubscriptionId: event.data.object.id 
+      });
+
+      if (!subscription) {
+        logger.warn('Subscription not found for webhook event', { 
+          eventType: event.type,
+          subscriptionId: event.data.object.id 
+        });
+        return;
+      }
+
+      switch (event.type) {
+        case 'customer.subscription.updated':
+          await this.handleSubscriptionUpdated(subscription, event.data.object);
+          break;
+        
+        case 'customer.subscription.deleted':
+          await this.handleSubscriptionDeleted(subscription, event.data.object);
+          break;
+        
+        case 'customer.subscription.trial_will_end':
+          await this.handleTrialWillEnd(subscription, event.data.object);
+          break;
+        
+        case 'invoice.payment_succeeded':
+          await this.handlePaymentSucceeded(subscription, event.data.object);
+          break;
+        
+        case 'invoice.payment_failed':
+          await this.handlePaymentFailed(subscription, event.data.object);
+          break;
+      }
+
+      logger.info('Webhook event handled', { 
+        eventType: event.type,
+        subscriptionId: subscription.id 
+      });
+    } catch (error) {
+      logger.error('Failed to handle webhook event', error);
+      throw error;
+    }
+  }
+
+  // Private methods
+  async handleSubscriptionUpdated(subscription, stripeSubscription) {
+    subscription.status = stripeSubscription.status;
+    subscription.currentPeriodStart = new Date(stripeSubscription.current_period_start * 1000);
+    subscription.currentPeriodEnd = new Date(stripeSubscription.current_period_end * 1000);
+    await subscription.save();
+  }
+
+  async handleSubscriptionDeleted(subscription, stripeSubscription) {
+    subscription.status = 'canceled';
+    subscription.endedAt = new Date();
+    await subscription.save();
+  }
+
+  async handleTrialWillEnd(subscription, stripeSubscription) {
+    await this.sendTrialEndingEmail(subscription);
+  }
+
+  async handlePaymentSucceeded(subscription, invoice) {
+    // Create invoice record
+    await invoiceService.createFromStripeInvoice(subscription.tenantId, invoice);
+    
+    // Update subscription dates
+    subscription.currentPeriodStart = new Date(invoice.period_start * 1000);
+    subscription.currentPeriodEnd = new Date(invoice.period_end * 1000);
+    await subscription.save();
+  }
+
+  async handlePaymentFailed(subscription, invoice) {
+    subscription.status = 'past_due';
+    await subscription.save();
+    
+    await this.sendPaymentFailedEmail(subscription);
+  }
+
+  // Email notifications
+  async sendWelcomeEmail(subscription) {
+    // Implementation would depend on email service
+    logger.info('Welcome email sent', { subscriptionId: subscription.id });
+  }
+
+  async sendCancellationEmail(subscription) {
+    // Implementation would depend on email service
+    logger.info('Cancellation email sent', { subscriptionId: subscription.id });
+  }
+
+  async sendRenewalReminder(subscription) {
+    // Implementation would depend on email service
+    logger.info('Renewal reminder sent', { subscriptionId: subscription.id });
+  }
+
+  async sendTrialEndingEmail(subscription) {
+    // Implementation would depend on email service
+    logger.info('Trial ending email sent', { subscriptionId: subscription.id });
+  }
+
+  async sendPaymentFailedEmail(subscription) {
+    // Implementation would depend on email service
+    logger.info('Payment failed email sent', { subscriptionId: subscription.id });
+  }
+}
+
+export const subscriptionService = new SubscriptionService();

marketing-agent/services/billing-service/src/services/transactionService.js

@@ -0,0 +1,381 @@
+import { Transaction } from '../models/Transaction.js';
+import { stripeService } from './stripeService.js';
+import { logger } from '../utils/logger.js';
+import { generateReport } from '../utils/reports.js';
+
+class TransactionService {
+  // Get transactions
+  async getTransactions(tenantId, filters = {}) {
+    try {
+      const query = { tenantId };
+
+      if (filters.type) query.type = filters.type;
+      if (filters.status) query.status = filters.status;
+      if (filters.customerId) query.customerId = filters.customerId;
+      if (filters.subscriptionId) query.subscriptionId = filters.subscriptionId;
+      
+      if (filters.startDate || filters.endDate) {
+        query.processedAt = {};
+        if (filters.startDate) query.processedAt.$gte = new Date(filters.startDate);
+        if (filters.endDate) query.processedAt.$lte = new Date(filters.endDate);
+      }
+
+      const limit = parseInt(filters.limit) || 100;
+      const offset = parseInt(filters.offset) || 0;
+
+      const transactions = await Transaction.find(query)
+        .sort({ processedAt: -1 })
+        .limit(limit)
+        .skip(offset)
+        .populate('invoiceId', 'invoiceNumber')
+        .populate('subscriptionId', 'plan planName');
+
+      const total = await Transaction.countDocuments(query);
+
+      return {
+        transactions,
+        total,
+        limit,
+        offset,
+        hasMore: offset + transactions.length < total
+      };
+    } catch (error) {
+      logger.error('Failed to get transactions', error);
+      throw error;
+    }
+  }
+
+  // Get transaction by ID
+  async getTransaction(tenantId, transactionId) {
+    try {
+      const transaction = await Transaction.findOne({
+        _id: transactionId,
+        tenantId
+      })
+        .populate('invoiceId')
+        .populate('subscriptionId')
+        .populate('refundedTransactionId');
+
+      return transaction;
+    } catch (error) {
+      logger.error('Failed to get transaction', error);
+      throw error;
+    }
+  }
+
+  // Create refund
+  async createRefund(tenantId, transactionId, refundData) {
+    try {
+      // Get original transaction
+      const originalTransaction = await Transaction.findOne({
+        _id: transactionId,
+        tenantId,
+        type: 'payment',
+        status: 'succeeded'
+      });
+
+      if (!originalTransaction) {
+        throw new Error('Transaction not found or not refundable');
+      }
+
+      // Check if already refunded
+      if (originalTransaction.refundedAmount >= originalTransaction.amount) {
+        throw new Error('Transaction already fully refunded');
+      }
+
+      // Calculate refund amount
+      const refundAmount = refundData.amount || 
+        (originalTransaction.amount - originalTransaction.refundedAmount);
+
+      if (refundAmount > originalTransaction.amount - originalTransaction.refundedAmount) {
+        throw new Error('Refund amount exceeds available amount');
+      }
+
+      // Create refund in Stripe
+      const stripeRefund = await stripeService.createRefund({
+        paymentIntentId: originalTransaction.processorTransactionId,
+        amount: refundAmount,
+        reason: refundData.reason,
+        metadata: {
+          tenantId,
+          transactionId,
+          initiatedBy: refundData.initiatedBy
+        }
+      });
+
+      // Create refund transaction
+      const refundTransaction = new Transaction({
+        tenantId,
+        transactionId: Transaction.generateTransactionId('rfd'),
+        type: 'refund',
+        status: 'succeeded',
+        customerId: originalTransaction.customerId,
+        subscriptionId: originalTransaction.subscriptionId,
+        invoiceId: originalTransaction.invoiceId,
+        amount: refundAmount,
+        currency: originalTransaction.currency,
+        fee: 0, // Refund fees would be calculated
+        net: -refundAmount,
+        processor: 'stripe',
+        processorTransactionId: stripeRefund.id,
+        refundedTransactionId: originalTransaction._id,
+        description: `Refund for ${originalTransaction.transactionId}: ${refundData.reason}`,
+        metadata: {
+          reason: refundData.reason,
+          initiatedBy: refundData.initiatedBy,
+          ...refundData.metadata
+        },
+        processedAt: new Date()
+      });
+
+      await refundTransaction.save();
+
+      // Update original transaction
+      originalTransaction.refundedAmount += refundAmount;
+      originalTransaction.refunds.push({
+        refundId: refundTransaction._id,
+        amount: refundAmount,
+        reason: refundData.reason,
+        createdAt: new Date()
+      });
+      await originalTransaction.save();
+
+      logger.info('Refund created', { 
+        refundId: refundTransaction.id,
+        originalTransactionId: transactionId,
+        amount: refundAmount 
+      });
+
+      return refundTransaction;
+    } catch (error) {
+      logger.error('Failed to create refund', error);
+      throw error;
+    }
+  }
+
+  // Create adjustment
+  async createAdjustment(data) {
+    try {
+      const transaction = new Transaction({
+        tenantId: data.tenantId,
+        transactionId: Transaction.generateTransactionId('adj'),
+        type: 'adjustment',
+        status: 'succeeded',
+        customerId: data.customerId,
+        amount: data.type === 'credit' ? data.amount : -data.amount,
+        currency: data.currency || 'USD',
+        fee: 0,
+        net: data.type === 'credit' ? data.amount : -data.amount,
+        processor: 'manual',
+        description: `Manual adjustment: ${data.reason}`,
+        metadata: {
+          adjustmentType: data.type,
+          reason: data.reason,
+          createdBy: data.createdBy,
+          ...data.metadata
+        },
+        processedAt: new Date()
+      });
+
+      await transaction.save();
+
+      logger.info('Adjustment created', { 
+        transactionId: transaction.id,
+        type: data.type,
+        amount: data.amount 
+      });
+
+      return transaction;
+    } catch (error) {
+      logger.error('Failed to create adjustment', error);
+      throw error;
+    }
+  }
+
+  // Get transaction summary
+  async getTransactionSummary(tenantId, period, dateRange = {}) {
+    try {
+      const query = { tenantId, status: 'succeeded' };
+      
+      // Apply date range
+      if (dateRange.startDate || dateRange.endDate) {
+        query.processedAt = {};
+        if (dateRange.startDate) query.processedAt.$gte = new Date(dateRange.startDate);
+        if (dateRange.endDate) query.processedAt.$lte = new Date(dateRange.endDate);
+      } else {
+        // Default to current period
+        const now = new Date();
+        switch (period) {
+          case 'daily':
+            query.processedAt = {
+              $gte: new Date(now.setHours(0, 0, 0, 0)),
+              $lte: new Date(now.setHours(23, 59, 59, 999))
+            };
+            break;
+          case 'weekly':
+            const weekStart = new Date(now.setDate(now.getDate() - now.getDay()));
+            query.processedAt = { $gte: weekStart };
+            break;
+          case 'monthly':
+            query.processedAt = {
+              $gte: new Date(now.getFullYear(), now.getMonth(), 1),
+              $lte: new Date(now.getFullYear(), now.getMonth() + 1, 0)
+            };
+            break;
+          case 'yearly':
+            query.processedAt = {
+              $gte: new Date(now.getFullYear(), 0, 1),
+              $lte: new Date(now.getFullYear(), 11, 31)
+            };
+            break;
+        }
+      }
+
+      // Aggregate transaction data
+      const summary = await Transaction.aggregate([
+        { $match: query },
+        {
+          $group: {
+            _id: '$type',
+            count: { $sum: 1 },
+            totalAmount: { $sum: '$amount' },
+            totalFees: { $sum: '$fee' },
+            totalNet: { $sum: '$net' }
+          }
+        }
+      ]);
+
+      // Get period comparison
+      const previousPeriodQuery = { ...query };
+      const currentStart = query.processedAt.$gte;
+      const currentEnd = query.processedAt.$lte || new Date();
+      const periodDuration = currentEnd - currentStart;
+      
+      previousPeriodQuery.processedAt = {
+        $gte: new Date(currentStart - periodDuration),
+        $lt: currentStart
+      };
+
+      const previousSummary = await Transaction.aggregate([
+        { $match: previousPeriodQuery },
+        {
+          $group: {
+            _id: null,
+            totalAmount: { $sum: '$amount' },
+            totalNet: { $sum: '$net' }
+          }
+        }
+      ]);
+
+      // Calculate changes
+      const currentTotal = summary.reduce((sum, item) => sum + item.totalNet, 0);
+      const previousTotal = previousSummary[0]?.totalNet || 0;
+      const change = previousTotal ? ((currentTotal - previousTotal) / previousTotal) * 100 : 0;
+
+      return {
+        period,
+        dateRange: {
+          start: query.processedAt.$gte,
+          end: query.processedAt.$lte || new Date()
+        },
+        summary: summary.reduce((acc, item) => {
+          acc[item._id] = {
+            count: item.count,
+            amount: item.totalAmount,
+            fees: item.totalFees,
+            net: item.totalNet
+          };
+          return acc;
+        }, {}),
+        totals: {
+          amount: summary.reduce((sum, item) => sum + item.totalAmount, 0),
+          fees: summary.reduce((sum, item) => sum + item.totalFees, 0),
+          net: currentTotal,
+          count: summary.reduce((sum, item) => sum + item.count, 0)
+        },
+        comparison: {
+          previousPeriod: previousTotal,
+          change: change.toFixed(2),
+          trend: change > 0 ? 'up' : change < 0 ? 'down' : 'stable'
+        }
+      };
+    } catch (error) {
+      logger.error('Failed to get transaction summary', error);
+      throw error;
+    }
+  }
+
+  // Export transactions
+  async exportTransactions(tenantId, format, dateRange = {}) {
+    try {
+      const filters = { ...dateRange };
+      const { transactions } = await this.getTransactions(tenantId, filters);
+
+      const filename = `transactions_${tenantId}_${new Date().toISOString().split('T')[0]}.${format}`;
+      
+      let data;
+      switch (format) {
+        case 'csv':
+          data = await generateReport.csv(transactions);
+          break;
+        case 'pdf':
+          data = await generateReport.pdf(transactions, {
+            title: 'Transaction Report',
+            tenantId
+          });
+          break;
+        case 'excel':
+          data = await generateReport.excel(transactions, {
+            sheetName: 'Transactions'
+          });
+          break;
+        default:
+          throw new Error('Unsupported export format');
+      }
+
+      return { filename, data };
+    } catch (error) {
+      logger.error('Failed to export transactions', error);
+      throw error;
+    }
+  }
+
+  // Process failed transactions
+  async processFailedTransactions() {
+    try {
+      const failedTransactions = await Transaction.find({
+        status: 'failed',
+        retryCount: { $lt: 3 },
+        nextRetryAt: { $lte: new Date() }
+      });
+
+      for (const transaction of failedTransactions) {
+        try {
+          // Retry logic based on transaction type
+          logger.info('Retrying failed transaction', { 
+            transactionId: transaction.id,
+            retryCount: transaction.retryCount 
+          });
+
+          // Update retry count and next retry time
+          transaction.retryCount += 1;
+          transaction.nextRetryAt = new Date(Date.now() + Math.pow(2, transaction.retryCount) * 60 * 60 * 1000);
+          await transaction.save();
+        } catch (error) {
+          logger.error('Failed to retry transaction', { 
+            transactionId: transaction.id,
+            error 
+          });
+        }
+      }
+
+      logger.info('Processed failed transactions', { 
+        count: failedTransactions.length 
+      });
+    } catch (error) {
+      logger.error('Failed to process failed transactions', error);
+    }
+  }
+}
+
+export const transactionService = new TransactionService();

marketing-agent/services/billing-service/src/services/webhookService.js

@@ -0,0 +1,295 @@
+import { subscriptionService } from './subscriptionService.js';
+import { invoiceService } from './invoiceService.js';
+import { paymentMethodService } from './paymentMethodService.js';
+import { logger } from '../utils/logger.js';
+import crypto from 'crypto';
+
+class WebhookService {
+  constructor() {
+    this.webhookHandlers = {
+      // Subscription events
+      'customer.subscription.created': this.handleSubscriptionCreated.bind(this),
+      'customer.subscription.updated': this.handleSubscriptionUpdated.bind(this),
+      'customer.subscription.deleted': this.handleSubscriptionDeleted.bind(this),
+      'customer.subscription.trial_will_end': this.handleTrialWillEnd.bind(this),
+      
+      // Invoice events
+      'invoice.created': this.handleInvoiceCreated.bind(this),
+      'invoice.finalized': this.handleInvoiceFinalized.bind(this),
+      'invoice.payment_succeeded': this.handleInvoicePaymentSucceeded.bind(this),
+      'invoice.payment_failed': this.handleInvoicePaymentFailed.bind(this),
+      
+      // Payment method events
+      'payment_method.attached': this.handlePaymentMethodAttached.bind(this),
+      'payment_method.detached': this.handlePaymentMethodDetached.bind(this),
+      'payment_method.updated': this.handlePaymentMethodUpdated.bind(this),
+      
+      // Customer events
+      'customer.updated': this.handleCustomerUpdated.bind(this),
+      'customer.deleted': this.handleCustomerDeleted.bind(this)
+    };
+
+    this.webhookLogs = [];
+  }
+
+  // Process Stripe webhook event
+  async processStripeEvent(event) {
+    const startTime = Date.now();
+    
+    try {
+      // Log webhook event
+      const logEntry = {
+        id: crypto.randomUUID(),
+        service: 'stripe',
+        eventType: event.type,
+        eventId: event.id,
+        receivedAt: new Date(),
+        status: 'processing',
+        data: event.data
+      };
+      
+      this.webhookLogs.push(logEntry);
+
+      // Get handler for event type
+      const handler = this.webhookHandlers[event.type];
+      
+      if (handler) {
+        await handler(event);
+        logEntry.status = 'success';
+        logEntry.processingTime = Date.now() - startTime;
+        
+        logger.info('Webhook event processed', {
+          type: event.type,
+          id: event.id,
+          processingTime: logEntry.processingTime
+        });
+      } else {
+        logEntry.status = 'ignored';
+        logEntry.reason = 'No handler for event type';
+        
+        logger.info('Webhook event ignored', {
+          type: event.type,
+          id: event.id
+        });
+      }
+    } catch (error) {
+      logger.error('Webhook processing error', {
+        type: event.type,
+        id: event.id,
+        error: error.message
+      });
+      
+      if (this.webhookLogs.length > 0) {
+        const logEntry = this.webhookLogs[this.webhookLogs.length - 1];
+        logEntry.status = 'failed';
+        logEntry.error = error.message;
+        logEntry.processingTime = Date.now() - startTime;
+      }
+      
+      throw error;
+    }
+  }
+
+  // Subscription event handlers
+  async handleSubscriptionCreated(event) {
+    const subscription = event.data.object;
+    logger.info('Subscription created webhook', { subscriptionId: subscription.id });
+    // Subscription creation is handled during API call
+  }
+
+  async handleSubscriptionUpdated(event) {
+    const subscription = event.data.object;
+    await subscriptionService.handleWebhookEvent(event);
+  }
+
+  async handleSubscriptionDeleted(event) {
+    const subscription = event.data.object;
+    await subscriptionService.handleWebhookEvent(event);
+  }
+
+  async handleTrialWillEnd(event) {
+    const subscription = event.data.object;
+    await subscriptionService.handleWebhookEvent(event);
+  }
+
+  // Invoice event handlers
+  async handleInvoiceCreated(event) {
+    const invoice = event.data.object;
+    logger.info('Invoice created webhook', { invoiceId: invoice.id });
+  }
+
+  async handleInvoiceFinalized(event) {
+    const invoice = event.data.object;
+    logger.info('Invoice finalized webhook', { invoiceId: invoice.id });
+  }
+
+  async handleInvoicePaymentSucceeded(event) {
+    const invoice = event.data.object;
+    await subscriptionService.handleWebhookEvent(event);
+  }
+
+  async handleInvoicePaymentFailed(event) {
+    const invoice = event.data.object;
+    await subscriptionService.handleWebhookEvent(event);
+  }
+
+  // Payment method event handlers
+  async handlePaymentMethodAttached(event) {
+    const paymentMethod = event.data.object;
+    logger.info('Payment method attached webhook', { paymentMethodId: paymentMethod.id });
+  }
+
+  async handlePaymentMethodDetached(event) {
+    const paymentMethod = event.data.object;
+    logger.info('Payment method detached webhook', { paymentMethodId: paymentMethod.id });
+  }
+
+  async handlePaymentMethodUpdated(event) {
+    const paymentMethod = event.data.object;
+    logger.info('Payment method updated webhook', { paymentMethodId: paymentMethod.id });
+  }
+
+  // Customer event handlers
+  async handleCustomerUpdated(event) {
+    const customer = event.data.object;
+    logger.info('Customer updated webhook', { customerId: customer.id });
+  }
+
+  async handleCustomerDeleted(event) {
+    const customer = event.data.object;
+    logger.info('Customer deleted webhook', { customerId: customer.id });
+  }
+
+  // Generic webhook processing
+  async processWebhook(service, type, data) {
+    const logEntry = {
+      id: crypto.randomUUID(),
+      service,
+      eventType: type,
+      receivedAt: new Date(),
+      status: 'processing',
+      data
+    };
+    
+    this.webhookLogs.push(logEntry);
+
+    try {
+      // Process based on service
+      switch (service) {
+        case 'paypal':
+          await this.processPayPalWebhook(type, data);
+          break;
+        case 'custom':
+          await this.processCustomWebhook(type, data);
+          break;
+        default:
+          throw new Error(`Unknown webhook service: ${service}`);
+      }
+      
+      logEntry.status = 'success';
+    } catch (error) {
+      logEntry.status = 'failed';
+      logEntry.error = error.message;
+      throw error;
+    }
+  }
+
+  // Verify webhook signature
+  async verifyWebhook(service, headers, body) {
+    switch (service) {
+      case 'stripe':
+        // Stripe verification is handled by constructWebhookEvent
+        return true;
+      case 'paypal':
+        return this.verifyPayPalWebhook(headers, body);
+      default:
+        // Custom verification logic
+        return true;
+    }
+  }
+
+  // Simulate webhook event (for testing)
+  async simulateEvent(eventType, data) {
+    const event = {
+      id: `test_${crypto.randomUUID()}`,
+      type: eventType,
+      data: {
+        object: data
+      },
+      created: Math.floor(Date.now() / 1000)
+    };
+
+    await this.processStripeEvent(event);
+  }
+
+  // Get webhook logs
+  async getWebhookLogs(filters = {}) {
+    let logs = [...this.webhookLogs];
+
+    if (filters.service) {
+      logs = logs.filter(log => log.service === filters.service);
+    }
+
+    if (filters.status) {
+      logs = logs.filter(log => log.status === filters.status);
+    }
+
+    // Sort by most recent first
+    logs.sort((a, b) => b.receivedAt - a.receivedAt);
+
+    // Apply pagination
+    const limit = filters.limit || 100;
+    const offset = filters.offset || 0;
+    
+    return {
+      logs: logs.slice(offset, offset + limit),
+      total: logs.length,
+      limit,
+      offset
+    };
+  }
+
+  // Retry failed webhook
+  async retryWebhook(logId) {
+    const log = this.webhookLogs.find(l => l.id === logId);
+    
+    if (!log) {
+      throw new Error('Webhook log not found');
+    }
+
+    if (log.status !== 'failed') {
+      throw new Error('Can only retry failed webhooks');
+    }
+
+    // Re-process the webhook
+    const event = {
+      id: log.eventId || log.id,
+      type: log.eventType,
+      data: log.data
+    };
+
+    await this.processStripeEvent(event);
+    
+    return { success: true, message: 'Webhook retried successfully' };
+  }
+
+  // PayPal webhook verification (example)
+  verifyPayPalWebhook(headers, body) {
+    // Implement PayPal webhook verification
+    return true;
+  }
+
+  // Process PayPal webhook (example)
+  async processPayPalWebhook(type, data) {
+    logger.info('Processing PayPal webhook', { type });
+    // Implement PayPal webhook processing
+  }
+
+  // Process custom webhook
+  async processCustomWebhook(type, data) {
+    logger.info('Processing custom webhook', { type });
+    // Implement custom webhook processing
+  }
+}
+
+export const webhookService = new WebhookService();

marketing-agent/services/billing-service/src/utils/email.js

@@ -0,0 +1,143 @@
+import { logger } from './logger.js';
+
+// Email service interface
+class EmailService {
+  constructor() {
+    // In production, this would integrate with SendGrid, AWS SES, etc.
+    this.templates = {
+      accountSuspended: {
+        subject: 'Account Suspended - Payment Required',
+        html: (data) => `
+          <h2>Account Suspended</h2>
+          <p>Dear ${data.tenantName},</p>
+          <p>Your account has been suspended due to an overdue invoice.</p>
+          <p>Invoice: ${data.invoiceNumber}</p>
+          <p>Amount Due: $${data.amountDue}</p>
+          <p>Days Overdue: ${data.daysOverdue}</p>
+          <p>Please make payment immediately to restore your account.</p>
+        `
+      },
+      invoiceCreated: {
+        subject: 'New Invoice - {{invoiceNumber}}',
+        html: (data) => `
+          <h2>New Invoice</h2>
+          <p>Invoice Number: ${data.invoiceNumber}</p>
+          <p>Amount: $${data.amount}</p>
+          <p>Due Date: ${data.dueDate}</p>
+          <p><a href="${data.invoiceUrl}">View Invoice</a></p>
+        `
+      },
+      paymentSuccessful: {
+        subject: 'Payment Received - Thank You',
+        html: (data) => `
+          <h2>Payment Received</h2>
+          <p>Thank you for your payment!</p>
+          <p>Amount: $${data.amount}</p>
+          <p>Invoice: ${data.invoiceNumber}</p>
+          <p>Transaction ID: ${data.transactionId}</p>
+        `
+      },
+      paymentFailed: {
+        subject: 'Payment Failed - Action Required',
+        html: (data) => `
+          <h2>Payment Failed</h2>
+          <p>We were unable to process your payment.</p>
+          <p>Amount: $${data.amount}</p>
+          <p>Reason: ${data.reason}</p>
+          <p>Please update your payment method to avoid service interruption.</p>
+        `
+      },
+      subscriptionCreated: {
+        subject: 'Welcome to {{planName}}!',
+        html: (data) => `
+          <h2>Welcome!</h2>
+          <p>Thank you for subscribing to ${data.planName}.</p>
+          <p>Plan: ${data.planName}</p>
+          <p>Price: $${data.price}/${data.interval}</p>
+          <p>Next Billing Date: ${data.nextBillingDate}</p>
+        `
+      },
+      subscriptionCanceled: {
+        subject: 'Subscription Canceled',
+        html: (data) => `
+          <h2>Subscription Canceled</h2>
+          <p>Your subscription has been canceled.</p>
+          <p>Your access will continue until: ${data.endDate}</p>
+          <p>We're sorry to see you go!</p>
+        `
+      },
+      trialEnding: {
+        subject: 'Your Trial is Ending Soon',
+        html: (data) => `
+          <h2>Trial Ending</h2>
+          <p>Your trial period ends in ${data.daysRemaining} days.</p>
+          <p>Upgrade now to continue enjoying our services!</p>
+          <p><a href="${data.upgradeUrl}">Upgrade Now</a></p>
+        `
+      },
+      cardExpiring: {
+        subject: 'Payment Method Expiring Soon',
+        html: (data) => `
+          <h2>Payment Method Expiring</h2>
+          <p>Your ${data.cardBrand} ending in ${data.last4} expires ${data.expMonth}/${data.expYear}.</p>
+          <p>Please update your payment method to avoid service interruption.</p>
+          <p><a href="${data.updateUrl}">Update Payment Method</a></p>
+        `
+      }
+    };
+  }
+
+  async send(options) {
+    try {
+      const { to, subject, template, data } = options;
+      
+      // Get template
+      const emailTemplate = this.templates[template];
+      if (!emailTemplate) {
+        throw new Error(`Email template not found: ${template}`);
+      }
+
+      // Process subject
+      const processedSubject = subject || emailTemplate.subject.replace(/\{\{(\w+)\}\}/g, (match, key) => data[key] || match);
+      
+      // Generate HTML
+      const html = emailTemplate.html(data);
+
+      // In production, send via email service
+      logger.info('Email sent', {
+        to,
+        subject: processedSubject,
+        template
+      });
+
+      return {
+        success: true,
+        messageId: `mock-${Date.now()}`
+      };
+    } catch (error) {
+      logger.error('Failed to send email', error);
+      throw error;
+    }
+  }
+
+  async sendBatch(emails) {
+    const results = [];
+    
+    for (const email of emails) {
+      try {
+        const result = await this.send(email);
+        results.push({ ...email, ...result });
+      } catch (error) {
+        results.push({ ...email, success: false, error: error.message });
+      }
+    }
+    
+    return results;
+  }
+}
+
+// Export singleton instance
+export const emailService = new EmailService();
+
+// Convenience function
+export const sendEmail = (options) => emailService.send(options);

marketing-agent/services/billing-service/src/utils/logger.js

@@ -0,0 +1,81 @@
+import winston from 'winston';
+import path from 'path';
+
+// Create logger instance
+const logger = winston.createLogger({
+  level: process.env.LOG_LEVEL || 'info',
+  format: winston.format.combine(
+    winston.format.timestamp({
+      format: 'YYYY-MM-DD HH:mm:ss'
+    }),
+    winston.format.errors({ stack: true }),
+    winston.format.splat(),
+    winston.format.json()
+  ),
+  defaultMeta: { service: 'billing-service' },
+  transports: [
+    // Console transport
+    new winston.transports.Console({
+      format: winston.format.combine(
+        winston.format.colorize(),
+        winston.format.simple()
+      )
+    }),
+    // File transport for errors
+    new winston.transports.File({
+      filename: path.join('logs', 'billing-error.log'),
+      level: 'error',
+      maxsize: 5242880, // 5MB
+      maxFiles: 5
+    }),
+    // File transport for all logs
+    new winston.transports.File({
+      filename: path.join('logs', 'billing-combined.log'),
+      maxsize: 5242880, // 5MB
+      maxFiles: 5
+    })
+  ]
+});
+
+// Create logs directory if it doesn't exist
+import fs from 'fs';
+const logsDir = path.join(process.cwd(), 'logs');
+if (!fs.existsSync(logsDir)) {
+  fs.mkdirSync(logsDir, { recursive: true });
+}
+
+// Add request logging middleware
+export const requestLogger = (req, res, next) => {
+  const start = Date.now();
+  
+  res.on('finish', () => {
+    const duration = Date.now() - start;
+    
+    logger.info('HTTP Request', {
+      method: req.method,
+      url: req.url,
+      status: res.statusCode,
+      duration: `${duration}ms`,
+      ip: req.ip,
+      userAgent: req.get('user-agent')
+    });
+  });
+  
+  next();
+};
+
+// Error logging middleware
+export const errorLogger = (err, req, res, next) => {
+  logger.error('Unhandled error', {
+    error: err.message,
+    stack: err.stack,
+    method: req.method,
+    url: req.url,
+    body: req.body,
+    ip: req.ip
+  });
+  
+  next(err);
+};
+
+export { logger };

marketing-agent/services/billing-service/src/utils/pdfService.js

@@ -0,0 +1,242 @@
+import PDFDocument from 'pdfkit';
+import { logger } from './logger.js';
+
+class PDFService {
+  // Generate invoice PDF
+  async generateInvoicePDF(invoice) {
+    try {
+      const doc = new PDFDocument({ margin: 50 });
+      const chunks = [];
+      
+      doc.on('data', chunks.push.bind(chunks));
+      
+      return new Promise((resolve, reject) => {
+        doc.on('end', () => {
+          const pdfBuffer = Buffer.concat(chunks);
+          resolve(pdfBuffer);
+        });
+        
+        doc.on('error', reject);
+        
+        // Header
+        this.addHeader(doc, invoice);
+        
+        // Invoice details
+        this.addInvoiceDetails(doc, invoice);
+        
+        // Customer details
+        this.addCustomerDetails(doc, invoice);
+        
+        // Line items
+        this.addLineItems(doc, invoice);
+        
+        // Totals
+        this.addTotals(doc, invoice);
+        
+        // Footer
+        this.addFooter(doc, invoice);
+        
+        doc.end();
+      });
+    } catch (error) {
+      logger.error('Failed to generate invoice PDF', error);
+      throw error;
+    }
+  }
+
+  addHeader(doc, invoice) {
+    // Company logo and info
+    doc.fontSize(20).text('INVOICE', 50, 50);
+    doc.fontSize(10).text('Your Company Name', 50, 80);
+    doc.text('123 Business Street', 50, 95);
+    doc.text('City, State 12345', 50, 110);
+    doc.text('Phone: (555) 123-4567', 50, 125);
+    doc.text('Email: billing@company.com', 50, 140);
+    
+    // Invoice status badge
+    const statusColors = {
+      draft: '#808080',
+      open: '#FFA500',
+      paid: '#008000',
+      void: '#FF0000',
+      uncollectible: '#800080'
+    };
+    
+    doc.fontSize(12)
+       .fillColor(statusColors[invoice.status] || '#000000')
+       .text(invoice.status.toUpperCase(), 450, 50, { align: 'right' });
+    
+    doc.fillColor('#000000');
+    doc.moveDown(2);
+  }
+
+  addInvoiceDetails(doc, invoice) {
+    const startY = 180;
+    
+    doc.fontSize(10);
+    doc.text('Invoice Number:', 350, startY);
+    doc.font('Helvetica-Bold').text(invoice.invoiceNumber, 450, startY);
+    
+    doc.font('Helvetica').text('Invoice Date:', 350, startY + 15);
+    doc.text(new Date(invoice.createdAt).toLocaleDateString(), 450, startY + 15);
+    
+    doc.text('Due Date:', 350, startY + 30);
+    doc.font('Helvetica-Bold').text(new Date(invoice.dueDate).toLocaleDateString(), 450, startY + 30);
+    
+    doc.font('Helvetica');
+  }
+
+  addCustomerDetails(doc, invoice) {
+    const startY = 180;
+    
+    doc.fontSize(12).font('Helvetica-Bold').text('Bill To:', 50, startY);
+    doc.fontSize(10).font('Helvetica');
+    
+    if (invoice.customer) {
+      doc.text(invoice.customer.name || 'Customer', 50, startY + 20);
+      if (invoice.customer.address) {
+        doc.text(invoice.customer.address.line1 || '', 50, startY + 35);
+        if (invoice.customer.address.line2) {
+          doc.text(invoice.customer.address.line2, 50, startY + 50);
+        }
+        doc.text(
+          `${invoice.customer.address.city || ''}, ${invoice.customer.address.state || ''} ${invoice.customer.address.postal || ''}`,
+          50, startY + 65
+        );
+      }
+      if (invoice.customer.email) {
+        doc.text(invoice.customer.email, 50, startY + 80);
+      }
+    }
+    
+    doc.moveDown(3);
+  }
+
+  addLineItems(doc, invoice) {
+    const tableTop = 300;
+    const itemCodeX = 50;
+    const descriptionX = 150;
+    const quantityX = 350;
+    const priceX = 400;
+    const amountX = 480;
+    
+    // Table header
+    doc.fontSize(10).font('Helvetica-Bold');
+    doc.text('Item', itemCodeX, tableTop);
+    doc.text('Description', descriptionX, tableTop);
+    doc.text('Qty', quantityX, tableTop);
+    doc.text('Price', priceX, tableTop);
+    doc.text('Amount', amountX, tableTop);
+    
+    // Draw line under header
+    doc.moveTo(50, tableTop + 15)
+       .lineTo(550, tableTop + 15)
+       .stroke();
+    
+    // Line items
+    let y = tableTop + 30;
+    doc.font('Helvetica');
+    
+    invoice.lineItems.forEach((item, index) => {
+      doc.text(index + 1, itemCodeX, y);
+      doc.text(item.description || 'Service', descriptionX, y, { width: 180 });
+      doc.text(item.quantity || 1, quantityX, y);
+      doc.text(`$${(item.unitPrice || 0).toFixed(2)}`, priceX, y);
+      doc.text(`$${(item.amount || 0).toFixed(2)}`, amountX, y);
+      
+      y += 20;
+      
+      // Add new page if needed
+      if (y > 650) {
+        doc.addPage();
+        y = 50;
+      }
+    });
+    
+    return y;
+  }
+
+  addTotals(doc, invoice) {
+    const startX = 350;
+    let y = 500;
+    
+    // Draw line above totals
+    doc.moveTo(startX, y)
+       .lineTo(550, y)
+       .stroke();
+    
+    y += 15;
+    
+    // Subtotal
+    doc.fontSize(10).font('Helvetica');
+    doc.text('Subtotal:', startX, y);
+    doc.text(`$${(invoice.subtotal || 0).toFixed(2)}`, 480, y);
+    
+    // Tax
+    if (invoice.tax && invoice.tax.amount > 0) {
+      y += 15;
+      doc.text(`Tax (${invoice.tax.rate}%):`, startX, y);
+      doc.text(`$${invoice.tax.amount.toFixed(2)}`, 480, y);
+    }
+    
+    // Discount
+    if (invoice.discount && invoice.discount.amount > 0) {
+      y += 15;
+      doc.text('Discount:', startX, y);
+      doc.text(`-$${invoice.discount.amount.toFixed(2)}`, 480, y);
+    }
+    
+    // Total
+    y += 20;
+    doc.fontSize(12).font('Helvetica-Bold');
+    doc.text('Total:', startX, y);
+    doc.text(`$${(invoice.total || 0).toFixed(2)}`, 480, y);
+    
+    // Amount paid
+    if (invoice.amountPaid > 0) {
+      y += 15;
+      doc.fontSize(10).font('Helvetica');
+      doc.text('Amount Paid:', startX, y);
+      doc.text(`$${invoice.amountPaid.toFixed(2)}`, 480, y);
+    }
+    
+    // Amount due
+    y += 20;
+    doc.fontSize(14).font('Helvetica-Bold');
+    doc.text('Amount Due:', startX, y);
+    doc.text(`$${(invoice.amountDue || 0).toFixed(2)}`, 480, y);
+  }
+
+  addFooter(doc, invoice) {
+    const footerY = 700;
+    
+    doc.fontSize(8).font('Helvetica').fillColor('#666666');
+    
+    // Payment terms
+    doc.text('Payment Terms: Net 30 days', 50, footerY);
+    
+    // Thank you message
+    doc.text('Thank you for your business!', 50, footerY + 15, { align: 'center', width: 500 });
+    
+    // Page number
+    doc.text(`Page 1 of 1`, 50, footerY + 30, { align: 'center', width: 500 });
+  }
+
+  // Generate receipt PDF
+  async generateReceiptPDF(transaction) {
+    // Similar implementation for receipts
+    const doc = new PDFDocument({ margin: 50 });
+    // ... implementation
+    return Buffer.from('Receipt PDF content', 'utf-8');
+  }
+
+  // Generate statement PDF
+  async generateStatementPDF(transactions, period) {
+    // Similar implementation for statements
+    const doc = new PDFDocument({ margin: 50 });
+    // ... implementation
+    return Buffer.from('Statement PDF content', 'utf-8');
+  }
+}
+
+export const pdfService = new PDFService();

marketing-agent/services/billing-service/src/utils/reports.js

@@ -0,0 +1,196 @@
+import { Parser } from 'json2csv';
+import PDFDocument from 'pdfkit';
+import ExcelJS from 'exceljs';
+import { logger } from './logger.js';
+
+class ReportGenerator {
+  // Generate CSV report
+  async csv(data, options = {}) {
+    try {
+      const fields = options.fields || Object.keys(data[0] || {});
+      const opts = {
+        fields,
+        ...options
+      };
+      
+      const parser = new Parser(opts);
+      const csv = parser.parse(data);
+      
+      return Buffer.from(csv, 'utf-8');
+    } catch (error) {
+      logger.error('Failed to generate CSV', error);
+      throw error;
+    }
+  }
+
+  // Generate PDF report
+  async pdf(data, options = {}) {
+    try {
+      const doc = new PDFDocument();
+      const chunks = [];
+      
+      doc.on('data', chunks.push.bind(chunks));
+      
+      return new Promise((resolve, reject) => {
+        doc.on('end', () => {
+          const pdfBuffer = Buffer.concat(chunks);
+          resolve(pdfBuffer);
+        });
+        
+        doc.on('error', reject);
+        
+        // Add title
+        doc.fontSize(20).text(options.title || 'Report', 50, 50);
+        doc.moveDown();
+        
+        // Add metadata
+        if (options.tenantId) {
+          doc.fontSize(12).text(`Tenant: ${options.tenantId}`);
+        }
+        doc.text(`Generated: ${new Date().toLocaleString()}`);
+        doc.moveDown();
+        
+        // Add data table
+        if (data.length > 0) {
+          const headers = Object.keys(data[0]);
+          let y = doc.y;
+          
+          // Headers
+          doc.fontSize(10).font('Helvetica-Bold');
+          headers.forEach((header, i) => {
+            doc.text(header, 50 + (i * 100), y, { width: 90, align: 'left' });
+          });
+          
+          doc.moveDown();
+          y = doc.y;
+          
+          // Data rows
+          doc.font('Helvetica');
+          data.forEach((row, rowIndex) => {
+            if (rowIndex > 0 && rowIndex % 20 === 0) {
+              doc.addPage();
+              y = 50;
+            }
+            
+            headers.forEach((header, i) => {
+              const value = row[header] || '';
+              doc.text(String(value), 50 + (i * 100), y, { width: 90, align: 'left' });
+            });
+            
+            y += 20;
+          });
+        }
+        
+        doc.end();
+      });
+    } catch (error) {
+      logger.error('Failed to generate PDF', error);
+      throw error;
+    }
+  }
+
+  // Generate Excel report
+  async excel(data, options = {}) {
+    try {
+      const workbook = new ExcelJS.Workbook();
+      const worksheet = workbook.addWorksheet(options.sheetName || 'Data');
+      
+      // Add headers
+      if (data.length > 0) {
+        const headers = Object.keys(data[0]);
+        worksheet.columns = headers.map(header => ({
+          header: header,
+          key: header,
+          width: 15
+        }));
+        
+        // Add data
+        worksheet.addRows(data);
+        
+        // Style headers
+        worksheet.getRow(1).font = { bold: true };
+        worksheet.getRow(1).fill = {
+          type: 'pattern',
+          pattern: 'solid',
+          fgColor: { argb: 'FFE0E0E0' }
+        };
+        
+        // Add filters
+        worksheet.autoFilter = {
+          from: 'A1',
+          to: `${String.fromCharCode(65 + headers.length - 1)}1`
+        };
+      }
+      
+      // Add metadata sheet
+      if (options.metadata) {
+        const metaSheet = workbook.addWorksheet('Metadata');
+        metaSheet.addRow(['Generated', new Date().toISOString()]);
+        metaSheet.addRow(['Records', data.length]);
+        Object.entries(options.metadata).forEach(([key, value]) => {
+          metaSheet.addRow([key, value]);
+        });
+      }
+      
+      const buffer = await workbook.xlsx.writeBuffer();
+      return buffer;
+    } catch (error) {
+      logger.error('Failed to generate Excel', error);
+      throw error;
+    }
+  }
+
+  // Generate summary statistics
+  async summary(data, groupBy, aggregations) {
+    try {
+      const summary = {};
+      
+      // Group data
+      data.forEach(item => {
+        const key = item[groupBy];
+        if (!summary[key]) {
+          summary[key] = {
+            count: 0,
+            items: []
+          };
+        }
+        summary[key].count++;
+        summary[key].items.push(item);
+      });
+      
+      // Apply aggregations
+      Object.entries(summary).forEach(([key, group]) => {
+        aggregations.forEach(agg => {
+          if (agg.type === 'sum') {
+            group[`${agg.field}_sum`] = group.items.reduce((sum, item) => 
+              sum + (parseFloat(item[agg.field]) || 0), 0
+            );
+          } else if (agg.type === 'avg') {
+            const sum = group.items.reduce((sum, item) => 
+              sum + (parseFloat(item[agg.field]) || 0), 0
+            );
+            group[`${agg.field}_avg`] = sum / group.count;
+          } else if (agg.type === 'min') {
+            group[`${agg.field}_min`] = Math.min(...group.items.map(item => 
+              parseFloat(item[agg.field]) || 0
+            ));
+          } else if (agg.type === 'max') {
+            group[`${agg.field}_max`] = Math.max(...group.items.map(item => 
+              parseFloat(item[agg.field]) || 0
+            ));
+          }
+        });
+        
+        // Remove items array to save memory
+        delete group.items;
+      });
+      
+      return summary;
+    } catch (error) {
+      logger.error('Failed to generate summary', error);
+      throw error;
+    }
+  }
+}
+
+export const generateReport = new ReportGenerator();

marketing-agent/services/billing-service/tests/subscription.test.js

@@ -0,0 +1,101 @@
+import request from 'supertest';
+import app from '../src/app.js';
+import { Subscription } from '../src/models/Subscription.js';
+import mongoose from 'mongoose';
+
+describe('Subscription API', () => {
+  beforeAll(async () => {
+    // Connect to test database
+    await mongoose.connect('mongodb://localhost:27017/billing-test', {
+      useNewUrlParser: true,
+      useUnifiedTopology: true
+    });
+  });
+
+  afterAll(async () => {
+    // Clean up and close connection
+    await mongoose.connection.dropDatabase();
+    await mongoose.connection.close();
+  });
+
+  afterEach(async () => {
+    // Clean up data after each test
+    await Subscription.deleteMany({});
+  });
+
+  describe('POST /api/subscriptions', () => {
+    it('should create a new subscription', async () => {
+      const subscriptionData = {
+        plan: 'starter',
+        billingCycle: 'monthly'
+      };
+
+      const response = await request(app)
+        .post('/api/subscriptions')
+        .set('Authorization', 'Bearer test-token')
+        .set('x-tenant-id', 'test-tenant')
+        .send(subscriptionData);
+
+      expect(response.status).toBe(201);
+      expect(response.body.success).toBe(true);
+      expect(response.body.subscription).toBeDefined();
+      expect(response.body.subscription.plan).toBe('starter');
+    });
+
+    it('should validate required fields', async () => {
+      const response = await request(app)
+        .post('/api/subscriptions')
+        .set('Authorization', 'Bearer test-token')
+        .set('x-tenant-id', 'test-tenant')
+        .send({});
+
+      expect(response.status).toBe(400);
+      expect(response.body.success).toBe(false);
+      expect(response.body.errors).toBeDefined();
+    });
+  });
+
+  describe('GET /api/subscriptions', () => {
+    it('should return tenant subscriptions', async () => {
+      // Create test subscription
+      const subscription = new Subscription({
+        tenantId: 'test-tenant',
+        plan: 'professional',
+        status: 'active'
+      });
+      await subscription.save();
+
+      const response = await request(app)
+        .get('/api/subscriptions')
+        .set('Authorization', 'Bearer test-token')
+        .set('x-tenant-id', 'test-tenant');
+
+      expect(response.status).toBe(200);
+      expect(response.body.success).toBe(true);
+      expect(response.body.subscriptions).toHaveLength(1);
+      expect(response.body.subscriptions[0].plan).toBe('professional');
+    });
+  });
+
+  describe('POST /api/subscriptions/:id/cancel', () => {
+    it('should cancel a subscription', async () => {
+      // Create test subscription
+      const subscription = new Subscription({
+        tenantId: 'test-tenant',
+        plan: 'starter',
+        status: 'active'
+      });
+      await subscription.save();
+
+      const response = await request(app)
+        .post(`/api/subscriptions/${subscription._id}/cancel`)
+        .set('Authorization', 'Bearer test-token')
+        .set('x-tenant-id', 'test-tenant')
+        .send({ reason: 'No longer needed' });
+
+      expect(response.status).toBe(200);
+      expect(response.body.success).toBe(true);
+      expect(response.body.subscription.status).toBe('canceled');
+    });
+  });
+});