fix(payment_methods): card_network and card_scheme should be consistent (#6849)

Author: Sakilmostak

crates/diesel_models/src/payment_method.rs

@@ -219,6 +219,7 @@ pub enum PaymentMethodUpdate {
     },
     UpdatePaymentMethodDataAndLastUsed {
         payment_method_data: Option<Encryption>,
+        scheme: Option<String>,
         last_used_at: PrimitiveDateTime,
     },
     PaymentMethodDataUpdate {
@@ -264,6 +265,7 @@ pub enum PaymentMethodUpdate {
 pub enum PaymentMethodUpdate {
     UpdatePaymentMethodDataAndLastUsed {
         payment_method_data: Option<Encryption>,
+        scheme: Option<String>,
         last_used_at: PrimitiveDateTime,
     },
     PaymentMethodDataUpdate {
@@ -395,6 +397,7 @@ pub struct PaymentMethodUpdateInternal {
     last_modified: PrimitiveDateTime,
     network_token_locker_id: Option<String>,
     network_token_payment_method_data: Option<Encryption>,
+    scheme: Option<String>,
 }
 
 #[cfg(all(
@@ -419,14 +422,15 @@ impl PaymentMethodUpdateInternal {
             last_modified,
             network_token_locker_id,
             network_token_payment_method_data,
+            scheme,
         } = self;
 
         PaymentMethod {
             customer_id: source.customer_id,
             merchant_id: source.merchant_id,
             payment_method_id: source.payment_method_id,
             accepted_currency: source.accepted_currency,
-            scheme: source.scheme,
+            scheme: scheme.or(source.scheme),
             token: source.token,
             cardholder_name: source.cardholder_name,
             issuer_name: source.issuer_name,
@@ -489,6 +493,7 @@ impl From<PaymentMethodUpdate> for PaymentMethodUpdateInternal {
                 last_modified: common_utils::date_time::now(),
                 network_token_locker_id: None,
                 network_token_payment_method_data: None,
+                scheme: None,
             },
             PaymentMethodUpdate::PaymentMethodDataUpdate {
                 payment_method_data,
@@ -508,6 +513,7 @@ impl From<PaymentMethodUpdate> for PaymentMethodUpdateInternal {
                 last_modified: common_utils::date_time::now(),
                 network_token_locker_id: None,
                 network_token_payment_method_data: None,
+                scheme: None,
             },
             PaymentMethodUpdate::LastUsedUpdate { last_used_at } => Self {
                 metadata: None,
@@ -525,9 +531,11 @@ impl From<PaymentMethodUpdate> for PaymentMethodUpdateInternal {
                 last_modified: common_utils::date_time::now(),
                 network_token_locker_id: None,
                 network_token_payment_method_data: None,
+                scheme: None,
             },
             PaymentMethodUpdate::UpdatePaymentMethodDataAndLastUsed {
                 payment_method_data,
+                scheme,
                 last_used_at,
             } => Self {
                 metadata: None,
@@ -545,6 +553,7 @@ impl From<PaymentMethodUpdate> for PaymentMethodUpdateInternal {
                 last_modified: common_utils::date_time::now(),
                 network_token_locker_id: None,
                 network_token_payment_method_data: None,
+                scheme,
             },
             PaymentMethodUpdate::NetworkTransactionIdAndStatusUpdate {
                 network_transaction_id,
@@ -565,6 +574,7 @@ impl From<PaymentMethodUpdate> for PaymentMethodUpdateInternal {
                 last_modified: common_utils::date_time::now(),
                 network_token_locker_id: None,
                 network_token_payment_method_data: None,
+                scheme: None,
             },
             PaymentMethodUpdate::StatusUpdate { status } => Self {
                 metadata: None,
@@ -582,6 +592,7 @@ impl From<PaymentMethodUpdate> for PaymentMethodUpdateInternal {
                 last_modified: common_utils::date_time::now(),
                 network_token_locker_id: None,
                 network_token_payment_method_data: None,
+                scheme: None,
             },
             PaymentMethodUpdate::AdditionalDataUpdate {
                 payment_method_data,
@@ -609,6 +620,7 @@ impl From<PaymentMethodUpdate> for PaymentMethodUpdateInternal {
                 last_modified: common_utils::date_time::now(),
                 network_token_locker_id,
                 network_token_payment_method_data,
+                scheme: None,
             },
             PaymentMethodUpdate::ConnectorMandateDetailsUpdate {
                 connector_mandate_details,
@@ -628,6 +640,7 @@ impl From<PaymentMethodUpdate> for PaymentMethodUpdateInternal {
                 last_modified: common_utils::date_time::now(),
                 network_token_locker_id: None,
                 network_token_payment_method_data: None,
+                scheme: None,
             },
             PaymentMethodUpdate::NetworkTokenDataUpdate {
                 network_token_requestor_reference_id,
@@ -649,6 +662,7 @@ impl From<PaymentMethodUpdate> for PaymentMethodUpdateInternal {
                 network_token_requestor_reference_id,
                 network_token_locker_id,
                 network_token_payment_method_data,
+                scheme: None,
             },
             PaymentMethodUpdate::ConnectorNetworkTransactionIdAndMandateDetailsUpdate {
                 connector_mandate_details,
@@ -670,6 +684,7 @@ impl From<PaymentMethodUpdate> for PaymentMethodUpdateInternal {
                 network_token_requestor_reference_id: None,
                 network_token_locker_id: None,
                 network_token_payment_method_data: None,
+                scheme: None,
             },
         }
     }
@@ -714,6 +729,7 @@ impl From<PaymentMethodUpdate> for PaymentMethodUpdateInternal {
             PaymentMethodUpdate::UpdatePaymentMethodDataAndLastUsed {
                 payment_method_data,
                 last_used_at,
+                ..
             } => Self {
                 payment_method_data,
                 last_used_at: Some(last_used_at),

crates/router/src/core/payment_methods/cards.rs

@@ -2800,9 +2800,11 @@ pub async fn update_payment_method_and_last_used(
     pm: domain::PaymentMethod,
     payment_method_update: Option<Encryption>,
     storage_scheme: MerchantStorageScheme,
+    card_scheme: Option<String>,
 ) -> errors::CustomResult<(), errors::VaultError> {
     let pm_update = payment_method::PaymentMethodUpdate::UpdatePaymentMethodDataAndLastUsed {
         payment_method_data: payment_method_update,
+        scheme: card_scheme,
         last_used_at: common_utils::date_time::now(),
     };
     db.update_payment_method(&(state.into()), key_store, pm, pm_update, storage_scheme)

crates/router/src/core/payments/tokenization.rs

@@ -549,8 +549,15 @@ where
                                 let existing_pm_data = payment_methods::cards::get_card_details_without_locker_fallback(&existing_pm,state)
                                 .await?;
 
+                                // scheme should be updated in case of co-badged cards
+                                let card_scheme = card
+                                    .card_network
+                                    .clone()
+                                    .map(|card_network| card_network.to_string())
+                                    .or(existing_pm_data.scheme.clone());
+
                                 let updated_card = Some(CardDetailFromLocker {
-                                    scheme: existing_pm.scheme.clone(),
+                                    scheme: card_scheme.clone(),
                                     last4_digits: Some(card.card_number.get_last4()),
                                     issuer_country: card
                                         .card_issuing_country
@@ -596,6 +603,7 @@ where
                                     existing_pm,
                                     pm_data_encrypted.map(Into::into),
                                     merchant_account.storage_scheme,
+                                    card_scheme,
                                 )
                                 .await
                                 .change_context(errors::ApiErrorResponse::InternalServerError)