feat(dunning): Create GoCardLess payment (#2481)

## Context

We want to be able to manually request payment of the overdue balance
and send emails for reminders.

👉
https://getlago.canny.io/feature-requests/p/send-reminders-for-overdue-invoices

 ## Description

The goal of this PR is to create a GoCardLess payment mandate for
customers with this payment provider.

app/services/payment_requests/payments/gocardless_service.rb

@@ -0,0 +1,182 @@
+# frozen_string_literal: true
+
+module PaymentRequests
+  module Payments
+    class GocardlessService < BaseService
+      include Customers::PaymentProviderFinder
+
+      class MandateNotFoundError < StandardError
+        DEFAULT_MESSAGE = "No mandate available for payment"
+        ERROR_CODE = "no_mandate_error"
+
+        def initialize(msg = DEFAULT_MESSAGE)
+          super
+        end
+
+        def code
+          ERROR_CODE
+        end
+      end
+
+      PENDING_STATUSES = %w[pending_customer_approval pending_submission submitted confirmed]
+        .freeze
+      SUCCESS_STATUSES = %w[paid_out].freeze
+      FAILED_STATUSES = %w[cancelled customer_approval_denied failed charged_back].freeze
+
+      def initialize(payable = nil)
+        @payable = payable
+
+        super(nil)
+      end
+
+      def create
+        result.payable = payable
+        return result unless should_process_payment?
+
+        unless payable.total_amount_cents.positive?
+          update_payable_payment_status(payment_status: :succeeded)
+          return result
+        end
+
+        payable.increment_payment_attempts!
+
+        gocardless_result = create_gocardless_payment
+
+        payment = Payment.new(
+          payable: payable,
+          payment_provider_id: gocardless_payment_provider.id,
+          payment_provider_customer_id: customer.gocardless_customer.id,
+          amount_cents: gocardless_result.amount,
+          amount_currency: gocardless_result.currency&.upcase,
+          provider_payment_id: gocardless_result.id,
+          status: gocardless_result.status
+        )
+
+        ActiveRecord::Base.transaction do
+          payment.save!
+
+          payable_payment_status = payable_payment_status(payment.status)
+          update_payable_payment_status(payment_status: payable_payment_status)
+          update_invoices_payment_status(payment_status: payable_payment_status)
+        end
+
+        Integrations::Aggregator::Payments::CreateJob.perform_later(payment:) if payment.should_sync_payment?
+
+        result.payment = payment
+        result
+      rescue MandateNotFoundError => e
+        deliver_error_webhook(e)
+        update_payable_payment_status(payment_status: :failed, deliver_webhook: false)
+
+        result.service_failure!(code: e.code, message: e.message)
+        result
+      end
+
+      private
+
+      attr_accessor :payable
+
+      delegate :organization, :customer, to: :payable
+
+      def should_process_payment?
+        return false if payable.payment_succeeded?
+        return false if gocardless_payment_provider.blank?
+
+        !!customer&.gocardless_customer&.provider_customer_id
+      end
+
+      def client
+        @client ||= GoCardlessPro::Client.new(
+          access_token: gocardless_payment_provider.access_token,
+          environment: gocardless_payment_provider.environment
+        )
+      end
+
+      def gocardless_payment_provider
+        @gocardless_payment_provider ||= payment_provider(customer)
+      end
+
+      def mandate_id
+        result = client.mandates.list(
+          params: {
+            customer: customer.gocardless_customer.provider_customer_id,
+            status: %w[pending_customer_approval pending_submission submitted active]
+          }
+        )
+
+        mandate = result&.records&.first
+
+        raise MandateNotFoundError unless mandate
+
+        customer.gocardless_customer.provider_mandate_id = mandate.id
+        customer.gocardless_customer.save!
+
+        mandate.id
+      end
+
+      def create_gocardless_payment
+        client.payments.create(
+          params: {
+            amount: payable.total_amount_cents,
+            currency: payable.currency.upcase,
+            retry_if_possible: false,
+            metadata: {
+              lago_customer_id: customer.id,
+              lago_payment_request_id: payable.id,
+              lago_invoice_ids: payable.invoice_ids
+            },
+            links: {
+              mandate: mandate_id
+            }
+          },
+          headers: {
+            'Idempotency-Key' => "#{payable.id}/#{payable.payment_attempts}"
+          }
+        )
+      rescue GoCardlessPro::Error => e
+        deliver_error_webhook(e)
+        update_payable_payment_status(payment_status: :failed, deliver_webhook: false)
+
+        raise
+      end
+
+      def payable_payment_status(payment_status)
+        return :pending if PENDING_STATUSES.include?(payment_status)
+        return :succeeded if SUCCESS_STATUSES.include?(payment_status)
+        return :failed if FAILED_STATUSES.include?(payment_status)
+
+        payment_status
+      end
+
+      def update_payable_payment_status(payment_status:, deliver_webhook: true)
+        payable.update!(
+          payment_status:,
+          ready_for_payment_processing: payment_status.to_sym != :succeeded
+        )
+      end
+
+      def update_invoices_payment_status(payment_status:, deliver_webhook: true)
+        payable.invoices.each do |invoice|
+          Invoices::UpdateService.call(
+            invoice:,
+            params: {
+              payment_status:,
+              ready_for_payment_processing: payment_status.to_sym != :succeeded
+            },
+            webhook_notification: deliver_webhook
+          ).raise_if_error!
+        end
+      end
+
+      def deliver_error_webhook(gocardless_error)
+        DeliverErrorWebhookService.call_async(payable, {
+          provider_customer_id: customer.gocardless_customer.provider_customer_id,
+          provider_error: {
+            message: gocardless_error.message,
+            error_code: gocardless_error.code
+          }
+        })
+      end
+    end
+  end
+end