fix(payment_methods): insert locker_id as null in case of payment method not getting stored in locker

[Chethan-rao]

Type of Change

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

Description

If the payment is made with payment methods other than card and bank_transfer and is asked to save the payment method, we should store locker_id column as NULL in payment_methods table.

Additional Changes

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

Motivation and Context

How did you test it?

1. Create an MCA

curl --location 'http://localhost:8080/account/merchant_1709304245/connectors' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: test_admin' \
--data '{
    "connector_type": "fiz_operations",
    "connector_name": "stripe",
    "business_label": "default",
    "business_country": "US",
    "connector_account_details": {
        "auth_type": "HeaderKey",
        "api_key": "abc"
    },
    "test_mode": true,
    "disabled": false,
    "payment_methods_enabled": [
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "payment_experience": "redirect_to_url",
                    "payment_method_type": "affirm"
                }
            ]
        },
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "payment_experience": "redirect_to_url",
                    "payment_method_type": "afterpay_clearpay"
                }
            ]
        },
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "payment_experience": "redirect_to_url",
                    "payment_method_type": "klarna"
                }
            ]
        },
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "payment_experience": "invoke_sdk_client",
                    "payment_method_type": "klarna"
                }
            ]
        },
       {
            "payment_method": "card",
            "payment_method_types": [
                {
                    "payment_method_type": "credit",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "card",
            "payment_method_types": [
                {
                    "payment_method_type": "debit",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "wallet",
            "payment_method_types": [
                {
                    "payment_method_type": "apple_pay",
                    "payment_experience": "invoke_sdk_client",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "google_pay",
                    "payment_experience": "invoke_sdk_client",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "bank_redirect",
            "payment_method_types": [
                {
                    "payment_method_type": "przelewy24",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "blik",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "ideal",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "eps",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "sofort",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "giropay",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "bank_debit",
            "payment_method_types": [
                {
                    "payment_method_type": "sepa",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "ach",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "bacs",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "bank_transfer",
            "payment_method_types": [
                {
                    "payment_method_type": "ach",
                    "payment_experience": "redirect_to_url",
                    "card_networks": null,
                    "accepted_currencies": null,
                    "accepted_countries": null,
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "sepa",
                    "payment_experience": "redirect_to_url",
                    "card_networks": null,
                    "accepted_currencies": null,
                    "accepted_countries": null,
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "bacs",
                    "payment_experience": null,
                    "card_networks": null,
                    "accepted_currencies": null,
                    "accepted_countries": null,
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        }
    ]
}'

2. Create a bank debit payment

curl --location 'http://localhost:8080/payments' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_U44vOQtigGfoj1w2A0F0B9kLlXdZqTR8RRg3JwfPUJhLywIG4PdR1HZD0inVkS2f' \
--data-raw '{
    "amount": 1800,
    "currency": "USD",
    "confirm": true,
    "business_label": "default",
    "capture_method": "automatic",
    "customer_id": "klarna",
    "capture_on": "2022-09-10T10:11:12Z",
    "authentication_type": "three_ds",
    "email": "guest1@example.com",
    "name": "John Doe",
    "phone": "999999999",
    "phone_country_code": "+65",
    "description": "Its my first payment request",
    "return_url": "https://google.com",
    "statement_descriptor_name": "Juspay",
    "statement_descriptor_suffix": "Router",
    "setup_future_usage": "off_session",
    "business_country": "US",
    "payment_method": "bank_debit",
    "payment_method_type": "ach",
    "payment_method_data": {
        "bank_debit": {
            "ach_bank_debit": {
                "billing_details": {
                    "name": "John Doe",
                    "email": "johndoe@example.com"
                },
                "account_number": "000123456789",
                "routing_number": "110000000"
            }
        }
    },
    "mandate_data": {
        "customer_acceptance": {
            "acceptance_type": "online",
            "accepted_at": "2022-09-10T10:11:12Z",
            "online": {
                "ip_address": "123.32.25.123",
                "user_agent": "Mozilla/5.0 (Linux; Android 12; SM-S906N Build/QP1A.190711.020; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/80.0.3987.119 Mobile Safari/537.36"
            }
        },
        "mandate_type": {
            "single_use": {
                "amount": 6540,
                "currency": "USD"
            }
        }
    },
    "metadata": {
        "order_details": {
            "product_name": "Apple iphone 15",
            "quantity": 1,
            "amount": 1800,
            "account_name": "transaction_processing"
        }
    }
}'

In this case locker_id has to be NULL in payment_methods table

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
• I added a CHANGELOG entry if applicable