feat(pm_auth): Added balance check for PM auth bank account

[Sarthak1799]

Type of Change

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

Description

have added a balance check that would enable a check on the available amount in the selected bank account while doing a payment.
If the found balance is less than the intent amount, the payment would not go through.

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?

Follow this for TCs - #3047
In the payment create, use amount greater then 150 USD for the check to work

• Payment create -

curl --location --request POST 'http://localhost:8080/payments' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_0u355Qt5nbq8BhTZtWmbkwzQJ4JY77u0jOpjyIi3LRqIFziLTFKI8E6QwgFmaFc5' \
--data-raw '{
    "amount": 65400,
    "currency": "USD",
    "confirm": false,
    "capture_method": "automatic",
    "capture_on": "2022-09-10T10:11:12Z",
    "amount_to_capture": 65400,
    "customer_id": "StripeCustomer",
    "business_country": "US",
    "business_label": "default",
    "email": "guest@example.com",
    "name": "John Doe",
    "phone": "999999999",
    "phone_country_code": "+1",
    "description": "Its my first payment request",
    "authentication_type": "no_three_ds",
    "return_url": "https://google.com",
    "shipping": {
        "address": {
            "line1": "1467",
            "line2": "Harrison Street",
            "line3": "Harrison Street",
            "city": "San Fransico",
            "state": "California",
            "zip": "94122",
            "country": "US",
            "first_name": "joseph",
            "last_name": "Doe"
        },
        "phone": {
            "number": "8056594430",
            "country_code": "+91"
        }
    },
    "billing": {
        "address": {
            "line1": "1467",
            "line2": "Harrison Street",
            "line3": "Harrison Street",
            "city": "San Fransico",
            "state": "California",
            "zip": "94122",
            "country": "US",
            "first_name": "joseph",
            "last_name": "Doe"
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        }
    },
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "metadata": {
        "udf1": "value1",
        "new_customer": "true",
        "login_date": "2019-09-10T10:11:12Z"
    }
}'

• Payment confirm

curl --location --request POST 'http://localhost:8080/payments/pay_FKpvykZd46XL9grQwPlC/confirm' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: pk_dev_9cdfbdb024614790a4bf730b19a8c375' \
--data-raw '{
    "payment_token": "token_Yxogj2YxdeHjC316ZtM9",
    "client_secret": "pay_FKpvykZd46XL9grQwPlC_secret_KQLB47ADsiyrIhIpOvxv",
    "payment_method": "bank_debit",
    "payment_method_type": "ach"
}'

Response

{
    "error": {
        "type": "invalid_request",
        "message": "Payment amount is greater than the available amount in selected bank account",
        "code": "IR_06"
    }
}

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

[Chethan-rao]

This should be InternalServerError as the first error propagation is due to redis error. If the bool is false then it should be 4xx.

Can be taken in the next PR.