feat(banking): add command to disconnect connections by id (#497)

## What

Adds a `banking:disconnect` artisan command to disconnect (soft-delete)
one or more banking connections by ID, for ops use on prod.

```bash
php artisan banking:disconnect <id1>,<id2>,<id3>
php artisan banking:disconnect <id1>,<id2> --delete-accounts
```

## How

- Parses comma-separated IDs (trims spaces, dedups).
- Reuses the existing `DisconnectBankingConnection` action, which:
- Revokes the session on Enable Banking's side (`DELETE /sessions/{id}`)
when the connection is an active Enable Banking one.
  - Sets status to `Revoked` and soft-deletes the connection.
- Default behavior unlinks linked accounts (kept as manual accounts).
`--delete-accounts` hard-deletes accounts, transactions and balances.
- Warns on unknown IDs, reports per-connection results, and exits with
failure if any ID was missing or any disconnect threw.
- A provider-side revoke failure does not block the soft-delete (action
catches + logs a warning), matching the existing
`banking:cancel-free-enablebanking` behavior.

## Tests

`tests/Feature/DisconnectBankingConnectionsCommandTest.php` — covers
multi-ID disconnect + session revoke, `--delete-accounts`, missing IDs,
and no-match. All pass.

app/Console/Commands/DisconnectBankingConnectionsCommand.php

@@ -0,0 +1,68 @@
+<?php
+
+namespace App\Console\Commands;
+
+use App\Actions\OpenBanking\DisconnectBankingConnection;
+use App\Models\BankingConnection;
+use Illuminate\Console\Command;
+
+class DisconnectBankingConnectionsCommand extends Command
+{
+    protected $signature = 'banking:disconnect
+        {ids : One or more banking connection IDs, comma-separated}
+        {--delete-accounts : Also delete linked accounts, transactions and balances}';
+
+    protected $description = 'Disconnect (soft-delete) banking connections and revoke their session on the provider';
+
+    public function handle(DisconnectBankingConnection $disconnectBankingConnection): int
+    {
+        $ids = collect(explode(',', (string) $this->argument('ids')))
+            ->map(fn (string $id): string => trim($id))
+            ->filter()
+            ->unique()
+            ->values();
+
+        if ($ids->isEmpty()) {
+            $this->error('No connection IDs provided.');
+
+            return Command::FAILURE;
+        }
+
+        $deleteAccounts = $this->option('delete-accounts');
+
+        $connections = BankingConnection::query()
+            ->with('accounts')
+            ->whereIn('id', $ids)
+            ->get();
+
+        $missing = $ids->diff($connections->pluck('id'));
+
+        foreach ($missing as $id) {
+            $this->warn("Connection not found: {$id}");
+        }
+
+        if ($connections->isEmpty()) {
+            $this->error('No matching banking connections found.');
+
+            return Command::FAILURE;
+        }
+
+        $disconnected = 0;
+
+        foreach ($connections as $connection) {
+            try {
+                $disconnectBankingConnection->handle($connection, $deleteAccounts);
+                $this->info("Disconnected connection {$connection->id} ({$connection->aspsp_name}).");
+                $disconnected++;
+            } catch (\Throwable $e) {
+                $this->error("Failed to disconnect {$connection->id}: {$e->getMessage()}");
+            }
+        }
+
+        $this->info("Disconnected {$disconnected} of {$connections->count()} connection(s).");
+
+        return $missing->isEmpty() && $disconnected === $connections->count()
+            ? Command::SUCCESS
+            : Command::FAILURE;
+    }
+}

tests/Feature/DisconnectBankingConnectionsCommandTest.php

@@ -0,0 +1,81 @@
+<?php
+
+use App\Contracts\BankingProviderInterface;
+use App\Enums\BankingConnectionStatus;
+use App\Models\Account;
+use App\Models\BankingConnection;
+use App\Models\User;
+
+use function Pest\Laravel\artisan;
+
+test('disconnects multiple connections by comma-separated ids and revokes sessions', function () {
+    $user = User::factory()->create();
+    $first = BankingConnection::factory()->for($user)->create();
+    $second = BankingConnection::factory()->for($user)->create();
+    $account = Account::factory()->for($user)->create([
+        'banking_connection_id' => $first->id,
+        'external_account_id' => 'ext-123',
+    ]);
+
+    $mockProvider = Mockery::mock(BankingProviderInterface::class);
+    $mockProvider->shouldReceive('revokeSession')->once()->with($first->session_id);
+    $mockProvider->shouldReceive('revokeSession')->once()->with($second->session_id);
+    app()->instance(BankingProviderInterface::class, $mockProvider);
+
+    artisan('banking:disconnect', ['ids' => "{$first->id}, {$second->id}"])
+        ->expectsOutputToContain('Disconnected 2 of 2 connection(s).')
+        ->assertSuccessful();
+
+    expect($first->fresh()->trashed())->toBeTrue();
+    expect($first->fresh()->status)->toBe(BankingConnectionStatus::Revoked);
+    expect($second->fresh()->trashed())->toBeTrue();
+
+    $account->refresh();
+    expect($account->banking_connection_id)->toBeNull();
+    expect($account->external_account_id)->toBeNull();
+    expect($account->trashed())->toBeFalse();
+});
+
+test('hard deletes linked accounts with delete-accounts flag', function () {
+    $user = User::factory()->create();
+    $connection = BankingConnection::factory()->for($user)->create();
+    $account = Account::factory()->for($user)->create([
+        'banking_connection_id' => $connection->id,
+        'external_account_id' => 'ext-456',
+    ]);
+
+    $mockProvider = Mockery::mock(BankingProviderInterface::class);
+    $mockProvider->shouldReceive('revokeSession')->once()->with($connection->session_id);
+    app()->instance(BankingProviderInterface::class, $mockProvider);
+
+    artisan('banking:disconnect', ['ids' => $connection->id, '--delete-accounts' => true])
+        ->assertSuccessful();
+
+    expect($connection->fresh()->trashed())->toBeTrue();
+    expect($account->fresh()->trashed())->toBeTrue();
+});
+
+test('warns about missing ids and fails', function () {
+    $user = User::factory()->create();
+    $connection = BankingConnection::factory()->for($user)->create();
+
+    $mockProvider = Mockery::mock(BankingProviderInterface::class);
+    $mockProvider->shouldReceive('revokeSession')->once()->with($connection->session_id);
+    app()->instance(BankingProviderInterface::class, $mockProvider);
+
+    artisan('banking:disconnect', ['ids' => "{$connection->id},missing-id"])
+        ->expectsOutputToContain('Connection not found: missing-id')
+        ->assertFailed();
+
+    expect($connection->fresh()->trashed())->toBeTrue();
+});
+
+test('fails when no matching connections found', function () {
+    $mockProvider = Mockery::mock(BankingProviderInterface::class);
+    $mockProvider->shouldNotReceive('revokeSession');
+    app()->instance(BankingProviderInterface::class, $mockProvider);
+
+    artisan('banking:disconnect', ['ids' => 'nope-1,nope-2'])
+        ->expectsOutputToContain('No matching banking connections found.')
+        ->assertFailed();
+});