Handle account holder rejection

clients/banking/package.json

@@ -24,8 +24,8 @@
     "@sentry/react": "7.81.1",
     "@swan-io/boxed": "1.2.0",
     "@swan-io/chicane": "1.4.1",
-    "@swan-io/lake": "4.0.2",
-    "@swan-io/shared-business": "4.0.2",
+    "@swan-io/lake": "4.0.3",
+    "@swan-io/shared-business": "4.0.3",
     "@urql/exchange-graphcache": "6.3.3",
     "core-js": "3.33.3",
     "dayjs": "1.11.10",

clients/banking/src/components/AccountArea.tsx

@@ -237,13 +237,15 @@ export const AccountArea = ({ accountMembershipId }: Props) => {
     hasTransactions,
     identificationStatus,
     accountHolderType: account?.holder.info.__typename,
+    verificationStatus: account?.holder.verificationStatus,
     isIndividual,
     requireFirstTransfer,
     isLegalRepresentative: accountMembership?.legalRepresentative ?? false,
     account,
   })
     .returnType<AccountActivationTag>()
     // if payment level limitations have been lifted, no need for activation
+    .with({ verificationStatus: "Refused", isLegalRepresentative: true }, () => "refused")
     .with(
       { account: { paymentLevel: "Unlimited", paymentAccountType: "PaymentService" } },
       () => "none",
@@ -402,54 +404,57 @@ export const AccountArea = ({ accountMembershipId }: Props) => {
         paymentMenuIsVisible,
         cardMenuIsVisible,
         memberMenuIsVisible,
-      }) => [
-        {
-          matchRoutes: ["AccountTransactionsArea"],
-          iconActive: "apps-list-filled",
-          icon: "apps-list-regular",
-          name: t("navigation.history"),
-          to: Router.AccountTransactionsListRoot({ accountMembershipId }),
-          hidden: !historyMenuIsVisible,
-        },
-        {
-          matchRoutes: ["AccountDetailsArea"],
-          iconActive: "building-bank-filled",
-          icon: "building-bank-regular",
-          name: t("navigation.account"),
-          to: Router.AccountDetailsIban({ accountMembershipId }),
-          hidden: !detailsMenuIsVisible,
-        },
-        {
-          matchRoutes: ["AccountPaymentsArea"],
-          iconActive: "arrow-swap-filled",
-          icon: "arrow-swap-regular",
-          name: t("navigation.transfer"),
-          to: Router.AccountPaymentsRoot({ accountMembershipId }),
-          hidden: !paymentMenuIsVisible,
-        },
-        {
-          matchRoutes: ["AccountCardsArea"],
-          iconActive: "payment-filled",
-          icon: "payment-regular",
-          name: t("navigation.cards"),
-          to: Router.AccountCardsList({ accountMembershipId }),
-          hidden: !cardMenuIsVisible,
-        },
-        {
-          matchRoutes: ["AccountMembersArea"],
-          iconActive: "people-filled",
-          icon: "people-regular",
-          name: t("navigation.members"),
-          to: Router.AccountMembersList({ accountMembershipId }),
-          hidden: !memberMenuIsVisible,
-          hasNotifications: Option.fromNullable(accountMembership.account)
-            .map(
-              ({ accountMembershipsWithBindingUserError }) =>
-                accountMembershipsWithBindingUserError.totalCount > 0,
-            )
-            .getWithDefault(false),
-        },
-      ],
+      }) =>
+        holder?.verificationStatus === "Refused"
+          ? []
+          : [
+              {
+                matchRoutes: ["AccountTransactionsArea"],
+                iconActive: "apps-list-filled",
+                icon: "apps-list-regular",
+                name: t("navigation.history"),
+                to: Router.AccountTransactionsListRoot({ accountMembershipId }),
+                hidden: !historyMenuIsVisible,
+              },
+              {
+                matchRoutes: ["AccountDetailsArea"],
+                iconActive: "building-bank-filled",
+                icon: "building-bank-regular",
+                name: t("navigation.account"),
+                to: Router.AccountDetailsIban({ accountMembershipId }),
+                hidden: !detailsMenuIsVisible,
+              },
+              {
+                matchRoutes: ["AccountPaymentsArea"],
+                iconActive: "arrow-swap-filled",
+                icon: "arrow-swap-regular",
+                name: t("navigation.transfer"),
+                to: Router.AccountPaymentsRoot({ accountMembershipId }),
+                hidden: !paymentMenuIsVisible,
+              },
+              {
+                matchRoutes: ["AccountCardsArea"],
+                iconActive: "payment-filled",
+                icon: "payment-regular",
+                name: t("navigation.cards"),
+                to: Router.AccountCardsList({ accountMembershipId }),
+                hidden: !cardMenuIsVisible,
+              },
+              {
+                matchRoutes: ["AccountMembersArea"],
+                iconActive: "people-filled",
+                icon: "people-regular",
+                name: t("navigation.members"),
+                to: Router.AccountMembersList({ accountMembershipId }),
+                hidden: !memberMenuIsVisible,
+                hasNotifications: Option.fromNullable(accountMembership.account)
+                  .map(
+                    ({ accountMembershipsWithBindingUserError }) =>
+                      accountMembershipsWithBindingUserError.totalCount > 0,
+                  )
+                  .getWithDefault(false),
+              },
+            ],
     )
     .getWithDefault([]);
 
@@ -673,14 +678,14 @@ export const AccountArea = ({ accountMembershipId }: Props) => {
                       const indexUrl: string = historyMenuIsVisible
                         ? Router.AccountTransactionsListRoot({ accountMembershipId })
                         : detailsMenuIsVisible
-                          ? Router.AccountDetailsIban({ accountMembershipId })
-                          : paymentMenuIsVisible
-                            ? Router.AccountPaymentsRoot({ accountMembershipId })
-                            : cardMenuIsVisible
-                              ? Router.AccountCardsList({ accountMembershipId })
-                              : memberMenuIsVisible
-                                ? Router.AccountMembersList({ accountMembershipId })
-                                : "";
+                        ? Router.AccountDetailsIban({ accountMembershipId })
+                        : paymentMenuIsVisible
+                        ? Router.AccountPaymentsRoot({ accountMembershipId })
+                        : cardMenuIsVisible
+                        ? Router.AccountCardsList({ accountMembershipId })
+                        : memberMenuIsVisible
+                        ? Router.AccountMembersList({ accountMembershipId })
+                        : "";
 
                       if (accountMembership.user?.id !== user?.id) {
                         return <Redirect to={Router.ProjectRootRedirect()} />;
@@ -690,6 +695,19 @@ export const AccountArea = ({ accountMembershipId }: Props) => {
                         accountMembership.statusInfo.status !== "BindingUserError" &&
                         accountMembership.canManageAccountMembership;
 
+                      if (holder?.verificationStatus === "Refused") {
+                        return (
+                          <AccountActivationPage
+                            requireFirstTransfer={requireFirstTransfer}
+                            accentColor={accentColor}
+                            accountMembershipId={accountMembershipId}
+                            additionalInfo={additionalInfo}
+                            accountVisible={accountVisible}
+                            projectName={projectName}
+                            refetchAccountAreaQuery={refetchAccountAreaQuery}
+                          />
+                        );
+                      }
                       return (
                         <Suspense fallback={<LoadingView color={colors.current[500]} />}>
                           {match(route)

clients/banking/src/components/AccountPicker.tsx

@@ -242,7 +242,7 @@ export const AccountPicker = ({ accountMembershipId, onPressItem }: Props) => {
   });
 };
 
-export type AccountActivationTag = "actionRequired" | "pending" | "none";
+export type AccountActivationTag = "actionRequired" | "pending" | "none" | "refused";
 
 type AccountPickerButtonProps = {
   desktop: boolean;
@@ -315,29 +315,40 @@ export const AccountPickerButton = forwardRef<View, AccountPickerButtonProps>(
 
           {activationTag !== "none" && (
             <View>
-              <Link
-                to={Router.AccountActivation({ accountMembershipId })}
-                onPress={onPressActivationLink}
-                style={({ hovered }) => [
-                  styles.activationLink,
-                  hovered && styles.activationLinkHovered,
-                ]}
-              >
-                {match(activationTag)
-                  .with("actionRequired", () => (
-                    <Tag color="warning" size="small">
-                      {t("accountActivation.menuTag.actionRequired")}
+              {match(activationTag)
+                .with("refused", () => (
+                  <View style={styles.activationLink}>
+                    <Tag color="negative" size="small">
+                      {t("accountActivation.menuTag.refused")}
                     </Tag>
-                  ))
-                  .with("pending", () => (
-                    <Tag color="shakespear" size="small">
-                      {t("accountActivation.menuTag.pending")}
-                    </Tag>
-                  ))
-                  .exhaustive()}
+                  </View>
+                ))
+                .otherwise(activationTag => (
+                  <Link
+                    to={Router.AccountActivation({ accountMembershipId })}
+                    onPress={onPressActivationLink}
+                    style={({ hovered }) => [
+                      styles.activationLink,
+                      hovered && styles.activationLinkHovered,
+                    ]}
+                  >
+                    {match(activationTag)
+                      .with("actionRequired", () => (
+                        <Tag color="warning" size="small">
+                          {t("accountActivation.menuTag.actionRequired")}
+                        </Tag>
+                      ))
+                      .with("pending", () => (
+                        <Tag color="shakespear" size="small">
+                          {t("accountActivation.menuTag.pending")}
+                        </Tag>
+                      ))
+
+                      .exhaustive()}
 
-                <Icon name="arrow-right-filled" size={16} color={colors.gray[500]} />
-              </Link>
+                    <Icon name="arrow-right-filled" size={16} color={colors.gray[500]} />
+                  </Link>
+                ))}
 
               {activationLinkActive && (
                 <SidebarNavigationTrackerActiveMarker color={colors.current[500]} />

clients/banking/src/locales/de.json

@@ -26,8 +26,11 @@
   "accountActivation.identity.title": "Identitätsprüfung",
   "accountActivation.menuTag.actionRequired": "Aktion erforderlich",
   "accountActivation.menuTag.pending": "Verifizierung steht noch aus",
+  "accountActivation.menuTag.refused": "Abgelehnt",
   "accountActivation.pendingDocuments.text": "Bitte haben Sie etwas Geduld, während wir die Dokumente überprüfen. Dies dauert normalerweise maximal 72 Stunden.",
   "accountActivation.pendingDocuments.title": "Wir prüfen Ihre Unterlagen.",
+  "accountActivation.refused.description": "Unsere Zahlungspartner überprüfen alle potenziellen Kontoinhaber gemäß strenger Vorschriften.\nLeider entsprach die Überprüfung für {name} nicht ihren Kriterien.\n\nBei Fragen senden Sie bitte eine E-Mail an {email}.",
+  "accountActivation.refused.title": "Leider können wir Ihr Konto nicht eröffnen",
   "accountActivation.tag.done": "Erledigt",
   "accountActivation.tag.todo": "Aufgaben",
   "accountActivation.title": "Kontoaktivierung",

clients/banking/src/locales/en.json

@@ -26,8 +26,11 @@
   "accountActivation.identity.title": "Identity verification",
   "accountActivation.menuTag.actionRequired": "Action required",
   "accountActivation.menuTag.pending": "Pending verification",
+  "accountActivation.menuTag.refused": "Refused",
   "accountActivation.pendingDocuments.text": "Please bear with us while we review your documents. This can take up to 72 hours.",
   "accountActivation.pendingDocuments.title": "We're reviewing your supporting documents.",
+  "accountActivation.refused.description": "Our payment partners review all potential account holders according to strict regulations.\nUnfortunately, the review for {name} did not meet their criteria.\n\nPlease send an email to {email} if you have any questions.",
+  "accountActivation.refused.title": "Regrettably, we can’t open your account",
   "accountActivation.tag.done": "Done",
   "accountActivation.tag.todo": "To do",
   "accountActivation.title": "Account activation",

clients/banking/src/locales/es.json

@@ -26,8 +26,11 @@
   "accountActivation.identity.title": "Verificación de identidad",
   "accountActivation.menuTag.actionRequired": "Acción necesaria",
   "accountActivation.menuTag.pending": "Pendiente de verificación",
+  "accountActivation.menuTag.refused": "Rechazado",
   "accountActivation.pendingDocuments.text": "Ten paciencia mientras revisamos tus documentos. Puede tardar hasta 72 horas.",
   "accountActivation.pendingDocuments.title": "Estamos revisando tus documentos justificativos.",
+  "accountActivation.refused.description": "Nuestros socios de pago revisan a todos los posibles titulares de cuentas según regulaciones estrictas.\nDesafortunadamente, la revisión para {name} no cumplió con sus criterios.\n\nSi tienes alguna pregunta, envía un correo electrónico a {email}.",
+  "accountActivation.refused.title": "Lamentablemente, no podemos abrir tu cuenta",
   "accountActivation.tag.done": "Hecho",
   "accountActivation.tag.todo": "Pendiente",
   "accountActivation.title": "Activación de cuenta",

clients/banking/src/locales/fr.json

@@ -26,8 +26,11 @@
   "accountActivation.identity.title": "Vérification d'identité",
   "accountActivation.menuTag.actionRequired": "Action requise",
   "accountActivation.menuTag.pending": "En attente de vérification",
+  "accountActivation.menuTag.refused": "Refusé",
   "accountActivation.pendingDocuments.text": "Veuillez patienter pendant que nous examinons vos documents. Cette opération peut prendre jusqu'à 72 heures.",
   "accountActivation.pendingDocuments.title": "Nous examinons vos documents justificatifs.",
+  "accountActivation.refused.description": "Nos partenaires de paiement examinent tous les demandeurs de compte potentiel selon des réglementations strictes.\nMalheureusement, l'examen de {name} n'a pas répondu à leurs critères.\n\nVeuillez envoyer un courriel à {email} si vous avez des questions.",
+  "accountActivation.refused.title": "Malheureusement, nous ne pouvons pas ouvrir votre compte",
   "accountActivation.tag.done": "Terminé",
   "accountActivation.tag.todo": "À faire",
   "accountActivation.title": "Activation du compte",

clients/banking/src/locales/it.json

@@ -26,8 +26,11 @@
   "accountActivation.identity.title": "Verifica dell'identità",
   "accountActivation.menuTag.actionRequired": "Azione richiesta",
   "accountActivation.menuTag.pending": "Verifica in attesa",
+  "accountActivation.menuTag.refused": "Rifiutato",
   "accountActivation.pendingDocuments.text": "La preghiamo di attendere mentre esaminiamo i suoi documenti. Questa operazione può richiedere fino a 72 ore.",
   "accountActivation.pendingDocuments.title": "Abbiamo ricevuto i suoi documenti.",
+  "accountActivation.refused.description": "I nostri partner di pagamento esaminano tutti i potenziali titolari di conto in conformità con rigorose normative.\nSfortunatamente, la revisione per {name} non ha soddisfatto i loro criteri.\n\nSe hai domande, invia un'email a {email}.",
+  "accountActivation.refused.title": "Purtroppo non possiamo aprire il tuo conto",
   "accountActivation.tag.done": "Fatto",
   "accountActivation.tag.todo": "Da fare",
   "accountActivation.title": "Attivazione conto",

clients/banking/src/locales/nl.json

@@ -26,8 +26,11 @@
   "accountActivation.identity.title": "Identiteitsverificatie",
   "accountActivation.menuTag.actionRequired": "Actie vereist",
   "accountActivation.menuTag.pending": "In afwachting van verificatie",
+  "accountActivation.menuTag.refused": "Geweigerd",
   "accountActivation.pendingDocuments.text": "Nog even geduld! We gaan je documenten beoordelen. Dit duurt maximaal 72 uur.",
   "accountActivation.pendingDocuments.title": "We hebben je documenten ontvangen.",
+  "accountActivation.refused.description": "Onze betalingspartners beoordelen alle potentiële rekeninghouders volgens strikte regelgeving.\nHelaas voldoet de beoordeling voor {name} niet aan hun criteria.\n\nAls je vragen hebt, stuur dan een e-mail naar {email}.",
+  "accountActivation.refused.title": "Helaas kunnen we je account niet openen",
   "accountActivation.tag.done": "Klaar",
   "accountActivation.tag.todo": "Taken",
   "accountActivation.title": "Accountactivatie",

clients/banking/src/locales/pt.json

@@ -26,8 +26,11 @@
   "accountActivation.identity.title": "Verificação de identidade",
   "accountActivation.menuTag.actionRequired": "Ação necessária",
   "accountActivation.menuTag.pending": "Verificação pendente",
+  "accountActivation.menuTag.refused": "Recusado",
   "accountActivation.pendingDocuments.text": "Por favor, aguarde enquanto revemos os seus documentos. Este processo pode demorar até 72 horas.",
   "accountActivation.pendingDocuments.title": "Estamos verificando os seus documentos de apoio.",
+  "accountActivation.refused.description": "Nossos parceiros de pagamento analisam todos os potenciais titulares de conta de acordo com regulamentações rigorosas.\nInfelizmente, a análise para {name} não atendeu aos critérios deles.\n\nPor favor, envie um e-mail para {email} se tiver alguma dúvida.",
+  "accountActivation.refused.title": "Lamentavelmente, não podemos abrir a sua conta",
   "accountActivation.tag.done": "Feito",
   "accountActivation.tag.todo": "Por fazer",
   "accountActivation.title": "Ativação de conta",