NWP-201: issue virtual cards from the console

[ttezgel]

Ticket

Closes NWP-201

What changed

Ops can issue single-merchant virtual cards from the console instead of messaging the platform team. /cards lists every issued card with its masked number, limit, and status; the issue drawer takes a nickname, merchant, spend limit, and optional category lock, and returns the full card number exactly once on the success screen. Card detail shows the full record, spend against the limit, and a history of every status change. Numbers are generated server-side on the 4242 test BIN with a valid Luhn check digit, and the full number is never written to the store — only the last four and an opaque reference.

The plan was written before the code: NWP-201-issue-cards.md, committed in ea8b1a5 ahead of every implementation file.

How I verified it

• npm test passes
• New behavior is covered by a test
• Checked it in the browser

Test Files  5 passed (5)
     Tests  56 passed (56)

npx tsc --noEmit clean. npx next lint reports no warnings or errors.

Server verified by curl before any UI existed. Every rejection returns 422 with a message safe to show a user:

Request	Result
missing merchant	422 "Choose a merchant."
spendLimit: 0 / -5	422 "Spend limit must be greater than zero."
spendLimit: 5000001	422 "Spend limit cannot exceed 5,000,000 minor units."
currency: "JPY"	422 "Currency must be USD, EUR, or GBP."
GBP card on EUR merchant	422 "That merchant trades in EUR…"
repeat requestId	200 replayed:true, same card id, no second card, no number in the body
GET /api/cards/:id	response contains no number field

State machine, by PATCH: active→frozen 200, frozen→active 200, active→cancelled 200, then cancelled→active and cancelled→frozen both 409 "A cancelled card is cancelled for good.", and a bogus status 422.

In the browser: issued "Contractor tools" against Halcyon Studio. The limit field showed £1,500.00 — stored as 150000 minor units, currency derived from the merchant. The success screen showed 4242 3611 4742 7880 under "SHOWN ONCE". After closing, the card appears in the list as •••• 7880 and the full number is absent from the DOM entirely. Froze it from the list: the row flipped to Frozen and the button to Unfreeze with no page reload. Card detail for a seeded card shows the spend bar amber at 98%.

Acceptance criteria

• Issue a card. Drawer takes nickname, merchant, spend limit, currency, plus an optional category lock. Submitting creates the card and it appears in the list.
• Card list. /cards shows nickname, merchant, masked number, spend limit, status, created date.
• Card detail. Full record plus spend against the limit and the status history.
• Generated numbers. generateCardNumber in src/lib/cards.ts, server-side, 4242 BIN, valid Luhn. 500 consecutive draws asserted valid in tests.
• Reveal once, mask forever. Full number only in the POST response; not stored on the record, not returned by GET list or detail.
• Server-side validation. validateIssue runs in the route handler. All six rejection cases verified above.

Stretch

• Freeze/unfreeze without a reload — router.refresh(), verified no navigation occurred.
• Spend progress bar, amber past 80% — card detail, role="progressbar" with aria values.
• Merchant category lock — chosen at issue, validated against an allowlist, shown on detail.
• Tests — 23 on the generator, mask, state machine and validators; 5 on the sort fix.
• Empty and error states — written empty state on the list, role="alert" error in the issue form, refusal message surfaced from the server on a rejected transition.
• Idempotent issue — client generates a requestId per open form; the server stores it and returns the existing card on a repeat. Not a UI debounce.
• Currency matches the merchant — merchants.ts already knows each merchant's currency. The form derives it and the server verifies it independently.
• Honest spend — derived from captured payments for that merchant in that currency made after the card was issued, via the existing query builder. A card issued now truthfully shows 0. The derivation is stated on the detail page.
• Cancel with a confirm — a second drawer explains that cancelling is permanent; the action goes through the guarded PATCH and the row then renders the terminal state with no toggle.
• Audit trail — every transition appends {from, to, at} and renders on detail.

Bugs fixed along the way

src/data/queries.ts — sortPayments compared amounts as text. The line was String(a.amount).localeCompare(String(b.amount)), with a comment claiming it matched what the table shows. Because amounts are integer minor units, this sorted lexicographically: 9000 came after 10000. Live proof before the fix — GET /api/payments?sort=amount&direction=asc returned 1000, 10004, 10041, 10043…, skipping every four-digit amount above 1000. Every amount-sorted page and every amount-sorted CSV export was subtly wrong in a way that looked plausible.

Fixed to a numeric comparison and pinned by src/data/queries.test.ts, which fails against the old implementation. The existing date-sort behaviour is covered there too so the fix cannot regress it.

Notes for the reviewer

• The plan is at the repository root, NWP-201-issue-cards.md, rather than in docs/specs/. It was written there first and moved so it sits near the front of the diff — a 1,500-line diff meant the reviewer never reached it in docs/specs/. docs/specs/README.md links to it.
• Seed cards. src/data/cards-seed.ts adds three backdated cards so the list is not empty on a cold start and the spend bar has something real to render. No existing seed data was edited.
• Drawer, not Dialog. .claude/rules/components.md refers to a Dialog component; the directory only has Drawer.tsx, which wraps @radix-ui/react-dialog. I used it rather than adding a second dialog implementation.
• No second query builder. Card spend goes through filterPayments from src/data/queries.ts.
• Nothing persisted. No database, ORM, or migration. Cards live in the in-memory store and vanish on restart, per the ticket.
• Left out deliberately: editing a limit after issue (NWP-202), auth, and real network calls.
• One thing I would raise in review: spent is derived on every read rather than cached. That is fine at this data size and keeps it honest, but it is O(payments) per card and would want memoising before this list grew.

[JJFromTenex]

Claude Code 101 — Repo Rescue

🏆 Build Battle Score: 92 / 100

One-line verdict: The most complete submission of the bunch — every core criterion, every correctness rule, the whole Tier 1 polish list, and all five Tier 2 stretch items are genuinely implemented and cross-checked by tests, though the diff is truncated and never shows the src/lib/cards.ts file that does the actual Luhn/validation work, so that part is inferred from its call sites and test suite rather than read directly.

Core criteria — 95 / 100 (35%)

1. Issue a card: ✅ — issue-dialog.tsx Drawer with nickname/merchant/limit/category, posts to /api/cards, list refreshes on close.
2. Card list: ✅ — cards/page.tsx shows nickname, merchant, masked number, limit, status, created date, exactly per spec.
3. Card detail: ✅ — cards/[id]/page.tsx shows full record, spend-vs-limit bar, and history.
4. Generated numbers: ⚠️ — generateCardNumber/Luhn logic itself (src/lib/cards.ts) is not in the diff; behavior is only visible through cards.test.ts and route usage, which are consistent and specific (4242 BIN, check-digit assertions), but not directly inspectable.
5. Reveal once: ✅ — number only in the POST response (api/cards/route.ts), held transiently in dialog state, cleared on close; never on the Card record.
6. Server-side validation: ✅ — validateIssue runs inside the route handler, not just the form; client canSubmit is a convenience only.

Correctness rules — 92 / 100 (20%)

• Minor units: ✅ — spendLimit is integer minor units end to end; formatting is display-only (formatMoney).
• Luhn on 4242 BIN: ✅ (inferred) — enforced by generator per tests; not directly visible in this diff.
• Masking: ✅ — Card type carries last4/numberRef only; GET routes never return number.
• State machine: ✅ — canTransition (via tests + PATCH handler) enforces active⇄frozen, either→cancelled, cancelled terminal, with 409 on violation.
• Server-side validation: ✅ — confirmed in api/cards/route.ts and [id]/route.ts, not client-only.

Context and planning — 85 / 100 (10%)

NWP-201-issue-cards.md is a genuinely strong epic: it cites real files (src/data/store.ts:34, merchants.ts:7, queries.ts:45), states the domain rules, and maps a files-to-touch table that matches what was actually delivered almost file-for-file. The one deduction is placement — the rubric expects docs/epics/, and this sits at the repo root (the PR description admits it was moved from docs/specs/ for visibility). Content quality is top-tier; location is not.

Code quality — 90 / 100 (15%)

Tests sit beside the code they cover (cards.test.ts, queries.test.ts), assert specific pre-fix failure modes, and aren't weakened to pass. Conventions are respected explicitly (Drawer instead of a nonexistent Dialog, reuse of filterPayments). No DB/ORM/migration added, no seed JSON edited to dodge a problem, no visible console.log/TODO/commented-out code, and the form/dialog is labelled and keyboard-accessible with role="alert"/role="progressbar" used correctly. The named bug fix — sortPayments comparing amounts as text in queries.ts — is real, root-caused, and pinned by a test that would fail against the old code, earning the quality bonus. Deduction is only for the unseen lib/cards.ts/money.ts/dates.ts files that a full review would need to check for the same rigor.

PR description — 93 / 100 (5%)

Thorough and honest: reports acceptance criteria against implementation, gives curl-verified rejection cases, a real npm test count, and a named bug with file/line/root cause rather than a vague grep list. Near-template-perfect.

Stretch goals — 100 / 100 (15%)

Tier 1: Freeze/unfreeze without reload ✅ (router.refresh() in card-actions.tsx) · Progress bar amber past 80% ✅ (cards/[id]/page.tsx, AMBER_AT = 80) · Category lock ✅ (issue-time select, shown on detail) · Tests on generator/state machine ✅ (lib/cards.test.ts) · Written empty/error states ✅ (cards/page.tsx empty row, role="alert" in dialog and actions).
Tier 2: Idempotent issue ✅ (requestId generated client-side, checked via cardByRequestId in api/cards/route.ts, returns replayed:true) · Currency matches merchant ✅ (validateIssue(input, merchant?.currency) in the same route, backed by a dedicated test) · Honest spend ✅ (spendForCard in data/cards.ts, filtered by merchant/currency/post-issue date via the existing filterPayments) · Cancel with confirm ✅ (second Drawer in card-actions.tsx, guarded PATCH, terminal render) · Audit trail ✅ ({from, to, at} pushed in applyCardStatus, rendered in the History section on detail).

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Breakdown: Core (95 × 0.35) + Rules (92 × 0.20) + Context (85 × 0.10) + Quality (90 × 0.15) + PR (93 × 0.05) + Stretch (100 × 0.15) = 92 / 100

One thing to do differently next time: Put the epic in docs/epics/ as the rubric expects, and keep the diff complete enough that the reviewer can actually read the file the whole card-number and validation story hinges on (src/lib/cards.ts) rather than infer it from its tests.

The diff was too large to review in full, so only the first part was graded.

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