feat(frm): Add support to accept and decline payment when manually reviewed by merchant for risky transaction

[jagan-jaya]

Type of Change

• Bugfix
• New feature
• Enhancement
• Refactoring
• Dependency updates
• Documentation
• CI/CD

Description

When a transaction is marked as Fraud/Risky and the merchant has configured manual review, we need to provide them the functionality to approve/reject the transaction.

Additional Changes

• This PR modifies the API contract
• This PR modifies the database schema
• This PR modifies application configuration/environment variables

Motivation and Context

Adding support to Approve/Reject the transaction incase of review required by the merchant.
Possible Scenarios:

1. Signifyd marked a transaction as fraud and we send it for merchant_review
2. Payment processor like stripe has marked a transaction as risky and so merchant has to review it
3. In Crypto payment the customer may overpay/underpay hence the payment goes for merchant_review.

Only first scenario requires an Approval/Rejection by merchant from hyperswitch dahsboard other two scenarios get resolved from the respective processor dashboard.

How did you test it?

Ran Postman collection of FRM

Testcase 1:

1. Create a merchant and configure stripe and signifyd with Pre:manual review flow
2. Make a non-3ds payment with bigger amount(1500000)
3. The payment status should be 'require_merchant_action'
4. call /payments/{{payment_id}}/approve , the payment should go to the processor and gets succeeded/failed as per regular flow and merchant_decision field in payment response should be approved

Testcase 2:

1. Create a merchant and configure stripe and signifyd with Pre:manual review flow
2. Make a non-3ds payment with bigger amount(1500000)
3. The payment status should be 'require_merchant_action'
4. call /payments/{{payment_id}}/reject , the payment should be immediately failed and merchant_decision field in payment response should be rejected

Checklist

• I formatted the code cargo +nightly fmt --all
• I addressed lints thrown by cargo clippy
• I reviewed the submitted code
• I added unit tests for my changes where possible