384 lines
14 KiB
Python
384 lines
14 KiB
Python
"""
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Plaid Integration Service
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Auth: PLAID-CLIENT-ID + PLAID-SECRET headers on every request.
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Key endpoints:
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POST /link/token/create → link_token for the frontend widget
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POST /item/public_token/exchange → access_token + item_id
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POST /accounts/get → list accounts in an item
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POST /accounts/balance/get → live balances
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POST /liabilities/get → credit card due date, min payment
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POST /transactions/sync → cursor-based incremental sync
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Sign convention (ALL account types):
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positive amount → money OUT of the account → expense
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negative amount → money INTO the account → income
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"""
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import logging
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from datetime import date, datetime, timedelta
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import requests
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from flask import current_app
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log = logging.getLogger(__name__)
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PLAID_HOSTS = {
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'sandbox': 'https://sandbox.plaid.com',
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'production': 'https://production.plaid.com',
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# 'development' was sunset by Plaid — map it to production so old configs don't break
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'development': 'https://production.plaid.com',
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}
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# Plaid top-level category → PFM category name
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CATEGORY_MAP = {
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'Food and Drink': 'Food & Dining',
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'Travel': 'Transport',
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'Shops': 'Shopping',
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'Recreation': 'Entertainment',
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'Healthcare': 'Health',
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'Service': 'Other',
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'Community': 'Other',
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'Bank Fees': 'Other',
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'Cash Advance': 'Other',
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'Interest': 'Other',
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'Payment': 'Other',
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'Transfer': 'Other',
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'Tax': 'Other',
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'Payroll': 'Salary',
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'Deposit': 'Other Income',
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'Income': 'Other Income',
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'Investment Income': 'Investment',
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'Utilities': 'Utilities',
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'Telecommunication': 'Utilities',
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'Insurance': 'Insurance',
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'Education': 'Education',
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'Rent and Utilities': 'Housing',
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'Mortgage': 'Housing',
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'Home Improvement': 'Housing',
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'Government and Non-Profit': 'Other',
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}
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def _base():
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env = current_app.config.get('PLAID_ENV', 'sandbox').lower()
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return PLAID_HOSTS.get(env, PLAID_HOSTS['sandbox'])
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def _headers():
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return {
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'PLAID-CLIENT-ID': current_app.config.get('PLAID_CLIENT_ID', ''),
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'PLAID-SECRET': current_app.config.get('PLAID_SECRET', ''),
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'Content-Type': 'application/json',
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}
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def _post(path, payload):
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url = f'{_base()}{path}'
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resp = requests.post(url, json=payload, headers=_headers(), timeout=30)
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if not resp.ok:
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log.error('[plaid] API error %s %s — body=%r',
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resp.status_code, path, resp.text[:500])
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resp.raise_for_status()
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return resp.json()
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# ── Link Token ────────────────────────────────────────────────────────────────
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def create_link_token():
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"""Create a Link token for the frontend Plaid Link widget."""
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data = _post('/link/token/create', {
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'user': {'client_user_id': 'pfm-user'},
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'client_name': 'Personal Finance Manager',
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'products': ['transactions'],
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'additional_consented_products': ['liabilities'],
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'country_codes': ['US'],
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'language': 'en',
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})
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return data['link_token']
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# ── Token Exchange ────────────────────────────────────────────────────────────
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def exchange_public_token(public_token):
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"""Exchange the one-time public_token for a permanent access_token."""
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return _post('/item/public_token/exchange', {'public_token': public_token})
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# Returns: {'access_token': '...', 'item_id': '...'}
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# ── Accounts ──────────────────────────────────────────────────────────────────
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def get_accounts(item):
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"""Return list of account dicts for the item (cached, not live balances)."""
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data = _post('/accounts/get', {'access_token': item.access_token})
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return data.get('accounts', [])
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def get_balances(item, plaid_account_ids=None):
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"""
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Return live balance data keyed by plaid_account_id.
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Optionally filter to a subset of account IDs.
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"""
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payload = {'access_token': item.access_token}
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if plaid_account_ids:
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payload['options'] = {'account_ids': plaid_account_ids}
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data = _post('/accounts/balance/get', payload)
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return {a['account_id']: a['balances'] for a in data.get('accounts', [])}
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# ── Liabilities (credit cards) ────────────────────────────────────────────────
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def get_liabilities(item):
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"""
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Fetch credit card billing details for all credit accounts in the item.
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Returns list of liability dicts; empty list if the item has no credit accounts
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or if the product is not supported.
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Key fields per entry:
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account_id, minimum_payment_amount, next_payment_due_date,
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last_statement_balance, last_statement_issue_date, is_overdue
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"""
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try:
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data = _post('/liabilities/get', {'access_token': item.access_token})
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return data.get('liabilities', {}).get('credit', [])
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except requests.HTTPError as e:
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# PRODUCTS_NOT_SUPPORTED or institution doesn't support liabilities
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log.warning('[plaid] liabilities not available for item %s: %s', item.item_id, e)
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return []
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def refresh_liabilities(item):
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"""
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Pull latest credit card liabilities and persist them onto PlaidAccount rows.
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Returns number of accounts updated.
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"""
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from app.extensions import db
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liabs = get_liabilities(item)
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if not liabs:
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return 0
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from app.models.plaid_item import PlaidAccount
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updated = 0
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for lib in liabs:
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pa = PlaidAccount.query.filter_by(
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plaid_account_id=lib['account_id'], is_active=True
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).first()
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if not pa:
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continue
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due_raw = lib.get('next_payment_due_date')
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pa.cc_due_date = (
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datetime.strptime(due_raw, '%Y-%m-%d').date() if due_raw else None
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)
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pa.cc_minimum_payment = lib.get('minimum_payment_amount')
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pa.cc_last_statement_balance = lib.get('last_statement_balance')
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pa.cc_is_overdue = bool(lib.get('is_overdue', False))
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pa.cc_updated_at = datetime.utcnow()
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updated += 1
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db.session.commit()
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log.info('[plaid] liabilities updated for %d account(s) in item %s',
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updated, item.item_id)
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return updated
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# ── Transactions Sync ─────────────────────────────────────────────────────────
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def sync_transactions(item):
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"""
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Cursor-based transaction sync. Fetches ALL pages until has_more=False.
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Returns (added, modified, removed, next_cursor).
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Passing an empty/None cursor fetches full available history.
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"""
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added = []
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modified = []
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removed = []
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cursor = item.cursor or ''
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has_more = True
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while has_more:
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data = _post('/transactions/sync', {
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'access_token': item.access_token,
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'cursor': cursor,
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})
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added.extend(data.get('added', []))
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modified.extend(data.get('modified', []))
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removed.extend(data.get('removed', []))
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cursor = data.get('next_cursor', cursor)
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has_more = data.get('has_more', False)
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return added, modified, removed, cursor
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def build_category_map():
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from app.models.category import Category
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cats = Category.query.filter_by(is_active=True).all()
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return {c.name: c.id for c in cats}
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def _map_plaid_category(plaid_cats, txn_type):
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"""Map Plaid category array to a PFM category name."""
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if not plaid_cats:
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return None
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top = plaid_cats[0]
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mapped = CATEGORY_MAP.get(top)
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if mapped:
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return mapped
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# Auto-categorize by description is done downstream; fall back by type
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return 'Other Income' if txn_type == 'income' else None
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def parse_transaction(plaid_txn, plaid_account_map, cat_id_map):
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"""
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Convert a Plaid transaction dict to a PFM-ready dict.
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plaid_account_map: {plaid_account_id: pfm_account_id}
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"""
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amount_raw = float(plaid_txn.get('amount', 0))
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# Plaid: positive = expense (debit/outflow), negative = income (credit/inflow)
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if amount_raw > 0:
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txn_type = 'expense'
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amount = amount_raw
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else:
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txn_type = 'income'
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amount = abs(amount_raw)
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description = (
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plaid_txn.get('merchant_name') or
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plaid_txn.get('name') or
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'Plaid transaction'
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).strip()
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# Auto-categorize via keyword match first, then Plaid category
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from app.services.bank_import_service import auto_categorize
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pfm_cat_name = auto_categorize(description)
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if not pfm_cat_name:
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pfm_cat_name = _map_plaid_category(plaid_txn.get('category') or [], txn_type)
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category_id = cat_id_map.get(pfm_cat_name) if pfm_cat_name else None
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plaid_acct_id = plaid_txn.get('account_id', '')
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pfm_account_id = plaid_account_map.get(plaid_acct_id)
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txn_id = plaid_txn.get('transaction_id', '')
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return {
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'plaid_id': txn_id,
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'plaid_account_id': plaid_acct_id,
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'date': datetime.strptime(plaid_txn['date'], '%Y-%m-%d').date(),
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'transaction_type': txn_type,
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'amount': amount,
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'description': description,
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'account_id': pfm_account_id,
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'category_id': category_id,
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'notes': f'Plaid:{txn_id}',
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'pending': plaid_txn.get('pending', False),
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}
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def sync_preview(item):
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"""
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Fetch new transactions for an item and return a list of parsed preview dicts.
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Does NOT write to DB or advance the cursor — call this before showing the preview.
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Returns (parsed_list, next_cursor).
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"""
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from app.models.plaid_item import PlaidAccount
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added, _modified, _removed, next_cursor = sync_transactions(item)
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# Build maps
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plaid_accounts = PlaidAccount.query.filter_by(item_id=item.id, is_active=True).all()
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plaid_account_map = {pa.plaid_account_id: pa.pfm_account_id for pa in plaid_accounts}
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cat_map = build_category_map()
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parsed = []
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for txn in added:
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if txn.get('pending', False):
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continue # skip pending transactions — import after they post
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p = parse_transaction(txn, plaid_account_map, cat_map)
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if p['account_id'] is None:
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continue # skip accounts not mapped to a PFM account
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parsed.append(p)
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return parsed, next_cursor
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def import_transactions(parsed_txns, next_cursor, item):
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"""
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Write selected parsed transactions to the DB.
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Skips duplicates by checking Plaid:<transaction_id> in notes.
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Advances item cursor to next_cursor after successful import.
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Returns (imported_count, skipped_count).
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"""
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from app.extensions import db
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from app.models.transaction import Transaction
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from app.services.account_service import calc_balance
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from app.models.plaid_item import PlaidAccount
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imported = skipped = 0
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affected_accounts = set()
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plaid_account_ids_synced = set()
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for p in parsed_txns:
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pid = p['plaid_id']
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if Transaction.query.filter(Transaction.notes.like(f'%Plaid:{pid}%')).first():
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skipped += 1
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continue
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db.session.add(Transaction(
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account_id = p['account_id'],
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category_id = p.get('category_id'),
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transaction_type = p['transaction_type'],
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amount = p['amount'],
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description = p['description'],
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date = p['date'],
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notes = p['notes'],
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))
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if p['account_id']:
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affected_accounts.add(p['account_id'])
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plaid_account_ids_synced.add(p['plaid_account_id'])
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imported += 1
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db.session.commit()
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# Advance cursor
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item.cursor = next_cursor
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item.last_synced_at = datetime.utcnow()
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# Update last_sync_date per PlaidAccount
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today = date.today()
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for pa in PlaidAccount.query.filter_by(item_id=item.id, is_active=True).all():
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if pa.plaid_account_id in plaid_account_ids_synced:
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pa.last_sync_date = today
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db.session.commit()
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# Refresh balances for mapped accounts
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if affected_accounts:
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try:
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mapped_pa = PlaidAccount.query.filter(
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PlaidAccount.pfm_account_id.in_(affected_accounts),
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PlaidAccount.is_active == True,
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).all()
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if mapped_pa:
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pa_ids = [pa.plaid_account_id for pa in mapped_pa]
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bal_map = get_balances(item, pa_ids)
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for pa in mapped_pa:
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bal = bal_map.get(pa.plaid_account_id, {})
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current = bal.get('current')
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available = bal.get('available')
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if current is not None:
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is_cc = pa.account_type == 'credit' or pa.account_subtype == 'credit card'
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if is_cc:
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# Plaid returns positive current balance = amount owed on card
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pa.pfm_account.balance = -abs(float(current))
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else:
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pa.pfm_account.balance = float(available if available is not None else current)
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db.session.commit()
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except Exception as e:
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log.warning('[plaid] balance refresh after import failed: %s', e)
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for acct_id in affected_accounts:
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calc_balance(acct_id)
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return imported, skipped
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