Pagar Proveedores (PAYOUT)

// 1. Verificar saldo
const balance = await getBalance(token, orgId, merchantId, 'COP');
console.log('Disponible:', balance.availableBalance); // ej., 1,000,000 COP
 
// 2. Crear contacto de proveedor
const provider = await createContact(token, orgId, merchantId, {
  fullName: 'Servicios ABC SAS',
  email: 'proveedor@ejemplo.com',
  country: 'CO',
  documentType: 'NIT',
  documentNumber: '900123456-1',
  businessType: 'COMPANY'
});
 
// 3. Agregar cuenta bancaria
const bankAccount = await addBankAccount(token, orgId, merchantId, provider.id, {
  country: 'CO',
  currency: 'COP',
  bankCode: 'BANCOLOMBIA',
  accountNumber: '1234567890',
  accountType: 'checking',
  holderName: 'Servicios ABC SAS'
});
 
// 4. Crear orden PAYOUT
const payout = await createPayoutOrder(token, orgId, merchantId, {
  type: 'PAYOUT',
  originCurrencySymbol: 'COP',
  destinationCurrencySymbol: 'COP',
  amountIn: 500000,  // 500,000 COP
  contactId: provider.id,
  destinationAccountId: bankAccount.id,
  description: 'Pago por Factura #INV-001'
});
 
console.log('Payout creado:', payout.id);
console.log('Estado:', payout.status); // "PROCESSING"

Cliente paga → Fondos acreditados → Webhook → Cumplir orden

Verificar saldo → Crear orden → Fondos debitados → Transferencia bancaria → Confirmación webhook

async function safeCreatePayout(token, orgId, merchantId, payoutData) {
  // 1. Obtener saldo actual
  const balances = await getMerchantBalances(token, orgId, merchantId);
  const balance = balances.find(b => b.currencySymbol === payoutData.currency);
  
  // 2. Verificar saldo disponible
  if (!balance || balance.availableBalance < payoutData.amount) {
    throw new Error(
      `Saldo insuficiente. Disponible: ${balance?.availableBalance || 0} ${payoutData.currency}, ` +
      `Requerido: ${payoutData.amount} ${payoutData.currency}`
    );
  }
  
  console.log(`✓ Saldo suficiente: ${balance.availableBalance} ${payoutData.currency}`);
  
  // 3. Crear payout
  const payout = await createPayoutOrder(token, orgId, merchantId, payoutData);
  
  return payout;
}