Payments & escrow

Buyer clicks "Buy"
    → Payment Intent created (escrow)
    → Funds held by Stripe
    → Seller ships item
    → Buyer confirms receipt
    → Funds released to seller
    → Platform fee deducted

Buyer opens dispute
    → Funds remain in escrow
    → Admin reviews case
    → Decision: refund buyer OR release to seller

const account = await stripe.accounts.create({
  type: 'express',
  country: 'BR',
  email: seller.email,
  capabilities: {
    transfers: { requested: true },
  },
});

// Store account ID
await db.update(users)
  .set({ stripeAccountId: account.id })
  .where(eq(users.id, seller.id));

const paymentIntent = await stripe.paymentIntents.create({
  amount: item.price * 100,
  currency: 'brl',
  capture_method: 'manual', // Hold funds
  transfer_data: {
    destination: seller.stripeAccountId,
  },
  application_fee_amount: Math.round(item.price * 0.10 * 100), // 10% fee
  metadata: {
    itemId: item.id,
    buyerId: buyer.id,
    sellerId: seller.id,
  },
});

async function releaseEscrow(transactionId: string) {
  const transaction = await getTransaction(transactionId);

  await stripe.paymentIntents.capture(
    transaction.stripePaymentIntentId
  );

  await db.update(transactions)
    .set({ status: 'completed' })
    .where(eq(transactions.id, transactionId));
}

async function refundBuyer(transactionId: string) {
  const transaction = await getTransaction(transactionId);

  await stripe.paymentIntents.cancel(
    transaction.stripePaymentIntentId
  );

  await db.update(transactions)
    .set({ status: 'refunded' })
    .where(eq(transactions.id, transactionId));
}