export type PaymentHighlight = {
  id: string;
  title: string;
  detail: string;
};

export type PaymentSection = {
  id: string;
  title: string;
  paragraphs: string[];
};

export type PaymentsDoc = {
  heading: string;
  intro: string;
  highlights: PaymentHighlight[];
  sections: PaymentSection[];
  defaultMethods: string[];
};

export function buildPaymentsDoc(storeName: string): PaymentsDoc {
  const brand = storeName || 'iFixKart';
  return {
    heading: 'Payments',
    intro: `Pay for ${brand} orders and repair bookings with the methods shown at checkout. Amounts are in Indian Rupees unless a listing says otherwise. A confirmation email or SMS is sent after a successful charge.`,
    highlights: [
      {
        id: 'cards',
        title: 'Cards',
        detail: 'Visa, Mastercard, and RuPay debit or credit cards.',
      },
      {
        id: 'upi',
        title: 'UPI',
        detail: 'Google Pay, PhonePe, Paytm, and other UPI apps.',
      },
      {
        id: 'netbanking',
        title: 'Net banking',
        detail: 'Major Indian banks supported by our payment partner.',
      },
      {
        id: 'wallets',
        title: 'Wallets',
        detail: 'Razorpay-supported wallets where the listing allows them.',
      },
    ],
    defaultMethods: ['Visa', 'Mastercard', 'RuPay', 'UPI', 'Net banking', 'Wallets'],
    sections: [
      {
        id: 'methods',
        title: 'Accepted methods',
        paragraphs: [
          `At checkout you can pay with Visa and Mastercard debit or credit cards, RuPay, UPI, net banking, and Razorpay-supported wallets. The exact list on a product or repair booking is what we accept for that order.`,
          'Cash on delivery is not available on every listing. If COD is offered, it is shown before you confirm the order.',
          'Split payments across cards, UPI, and wallets are not supported. Complete the order with a single method.',
        ],
      },
      {
        id: 'checkout',
        title: 'When you are charged',
        paragraphs: [
          'Refurbished products and accessories are charged in full when you place the order. The order is confirmed only after the payment succeeds.',
          'If a charge is declined, try another method or check with your bank. We do not keep failed card details.',
          'Prices include applicable GST unless the product page says otherwise. Your invoice is emailed after dispatch or after a repair is completed.',
        ],
      },
      {
        id: 'repairs',
        title: 'Repair bookings',
        paragraphs: [
          'A small online advance may be collected to confirm your repair slot. The remaining amount is due after the job is finished and you have checked the device, unless we agreed another schedule at booking.',
          'Advance payments use the same card, UPI, and net banking options as shop checkout. On-site or workshop balances may also be paid by UPI or card with the technician.',
        ],
      },
      {
        id: 'failed',
        title: 'Failed or pending payments',
        paragraphs: [
          'If money left your account but the order still shows pending, wait a few minutes and refresh your orders page. Banks sometimes take time to confirm.',
          'A failed or dropped payment is usually reversed by your bank within 5–7 working days. If it has not returned, write to us with the order number, amount, and payment reference.',
        ],
      },
      {
        id: 'refunds',
        title: 'Refunds',
        paragraphs: [
          'Approved refunds go back to the original payment method. UPI and wallet refunds are typically faster than card refunds, which can take 5–10 working days depending on the bank.',
          'Repair advances are refunded if we cancel the booking before work starts. After work has begun, refunds follow the repair terms shown when you booked.',
        ],
      },
      {
        id: 'security',
        title: 'Security',
        paragraphs: [
          `Card and UPI details are entered on our payment partner’s secure page. ${brand} does not store your full card number or UPI PIN.`,
          'Checkout uses HTTPS. Never share OTPs, CVV, or UPI PINs with anyone claiming to be from our team. We will not ask for them on a call or chat.',
        ],
      },
    ],
  };
}