whisper-money/app/Console/Commands
Víctor Falcón e5350ff1a6
feat(subscriptions): trial/pricing A/B/C experiment (#600)
## What

A 3-way experiment on how the paid plan is offered, plus per-variant
measurement. New signups (on/after `SUBSCRIPTION_EXPERIMENT_STARTED_AT`)
are split evenly into:

- **control** — current 15-day trial.
- **reduced_trial** — shorter trial: 3 days monthly, 7 days yearly.
- **pay_now** — charged immediately (no trial), with a self-service
money-back guarantee for the first 3 days.

Earlier users stay **legacy** and keep the 15-day trial. **While
`started_at` is null the experiment is off and everyone behaves like
control — inert until activated via env.**

## How it works

- **Assignment** — `App\Features\SubscriptionExperiment` (Pennant),
deterministic even split by a stable hash of the user id. QA can force a
variant with `feature:enable`.
- **Offer policy** — `ExperimentOffer` is the single source of truth for
trial days per plan, the pay-now flag, the refund window and refund
eligibility; shared by checkout, paywall and billing.
- **Checkout** — trial length comes from the variant (`trialDays(0)` for
pay_now → immediate charge).
- **Onboarding clarity** — the paywall states the exact terms above the
CTA: trial length for the selected plan, or "charged €X today + 3-day
money-back guarantee" for pay_now.
- **Self-service refund (pay_now)** — Settings → Billing, within the
window: refunds the upfront charge, `cancelNow`, revokes bank
connections keeping imported data. `refunded_at` records it and blocks a
second refund. Crash-safe ordering: the refund is stamped before
cancel/disconnect, which run best-effort in a try/catch.

## Measurement

`stats:experiment-funnel` (weekly → Discord): per-variant funnel
(assigned, subscribed, status breakdown, refunds) with a **net-active
rate** gated by each variant's decision window (control 15d / reduced 7d
/ pay_now 3d) so cohorts are read at equal age. Attribution reads the
variant Pennant actually served each user, so the report can't drift
from what users experienced. It also reports **MRR** (monthly run-rate
of mature net-active subs, yearly normalised ÷12) and **ARPU** (MRR ÷
assigned) per variant — ARPU is the revenue metric for the winner
decision. Plus a winner can be pinned org-wide with
`SUBSCRIPTION_EXPERIMENT_FORCE_VARIANT` (env, no deploy).

## Config (env)

- `SUBSCRIPTION_EXPERIMENT_STARTED_AT` — activates the experiment
(launch date). Null = off.
- `SUBSCRIPTION_EXPERIMENT_REDUCED_TRIAL_MONTHLY` (3), `..._YEARLY` (7),
`..._REFUND_WINDOW_DAYS` (3)

## Tests

- **Feature/unit:** assignment, offer policy, checkout wiring, refund
eligibility, the refund action incl. idempotency + crash-safe ordering
(Stripe mocked), and the funnel collector/command. ES + FR translations.
- **Browser** (`tests/Browser/SubscriptionRefundTest.php`): the
self-service refund UX end to end — card visibility + deadline, two-step
confirm, back-out, the refund control disappearing after confirming, and
gating (window passed / non-pay_now hidden). The `RefundSelfServe`
action is doubled so it never hits Stripe but applies the same DB
effect. Screenshots: `refund-card-visible`, `refund-confirm-step`,
`refund-completed`.
- Full non-browser suite green (the one failing `DashboardTest` is
pre-existing on `main` — Inertia 409 from the unbuilt local manifest).
Pint + ESLint + tsc (changed files) clean.

## Two independent reviews — acted on

**Fixed:** refund atomicity/idempotency (major) · funnel attribution now
reads Pennant's served value instead of recomputing, killing
report-vs-runtime drift (major) · pay_now copy shows the exact amount
charged · throttle + block-demo on the refund route · `resolve(?User)`
nullable · French translations.

**Reviewer notes (deferred, low value):**
- `refunded_at` is not cast to Carbon on Cashier's `Subscription` (safe
today — only null-compared; would need a custom Cashier model).
- `ExperimentFunnelCollector` walks users in PHP via `chunkById`; fine
at current volume, can move to grouped SQL if it grows.

## Confidence: 85 / 100

The critical money path is now **verified live against the Stripe
sandbox** (see below), which removes the earlier cap. All gates are
green and the acceptance criteria are met. Held at 85 (not higher)
because the browser UI test runs in CI rather than locally, and the
pay_now *hosted-checkout + webhook* leg reuses the standard Cashier
checkout already proven by the control flow (only `trialDays(0)`
differs) but wasn't re-driven through the hosted page. Given it moves
money + disconnects accounts, a human glance is still warranted before
enabling.

## Sandbox verification (live Stripe test mode)

`php artisan stripe:verify-refund` creates a real immediately-charged
subscription with a test card, runs the actual `RefundSelfServe`, and
checks the Stripe API. Result:

```
PASS  subscription active after immediate charge   (pay_now, no trial)
PASS  canSelfRefund is true before refund
PASS  latestPayment() resolves a payment intent
PASS  refunded_at is stamped
PASS  subscription is canceled
PASS  canSelfRefund is false after refund
PASS  Stripe charge shows a full refund   (refunded=true)
```

The command is committed and guarded to Stripe test keys /
non-production, so it can be re-run before each launch toggle.


## Launch checklist

1. Stripe-sandbox smoke: `php artisan stripe:verify-refund` (done —
passing). Optionally also drive the hosted pay_now checkout once for
monthly + yearly to confirm the webhook leg.
2. Set `SUBSCRIPTION_EXPERIMENT_STARTED_AT` to the launch date (set
once; don't backdate).
3. Watch `stats:experiment-funnel`; a clean cohort baseline lands once
each variant's window matures.
2026-06-27 18:00:15 +02:00
..
Concerns refactor(real-estate): remove Pennant gating (#308) 2026-04-20 13:31:49 +01:00
AgentDatabaseCommand.php feat(console): add agent:db command for querying local and prod DB (#522) 2026-06-12 18:35:14 +02:00
ApplyRealEstateRevaluationCommand.php fix(real-estate): compound annual revaluation monthly (#337) 2026-04-27 07:35:51 +01:00
BackfillAccountIbans.php refactor: centralize duplicated provider & locale keys into enums (#543) 2026-06-16 13:43:14 +00:00
BackfillUserCurrencyCode.php Add Budgeting Feature to Track and Manage Spending (#36) 2026-01-21 15:25:50 +01:00
CancelFreeEnableBankingConnectionsCommand.php refactor: centralize duplicated provider & locale keys into enums (#543) 2026-06-16 13:43:14 +00:00
CategorizeBackfillCommand.php AI auto-categorization: open to pro + consent, nudge free users (#561) 2026-06-19 14:08:40 +00:00
CheckBankLogosCommand.php Add weekly bank logo audit command (#211) 2026-03-06 11:05:13 +00:00
DeleteUserCommand.php refactor: centralize duplicated provider & locale keys into enums (#543) 2026-06-16 13:43:14 +00:00
DisconnectBankingConnectionsCommand.php feat(banking): add command to disconnect connections by id (#497) 2026-06-06 11:16:01 +02:00
E2eBankingFixtureCommand.php test(open-banking): e2e coverage for Enable Banking connection flows (#509) 2026-06-09 11:58:50 +02:00
EnsureLaunchCouponsCommand.php feat(leads): cohort-based launch invitations with per-user Stripe coupons (#333) 2026-04-30 15:10:28 +01:00
FeatureDisableCommand.php Add Budgeting Feature to Track and Manage Spending (#36) 2026-01-21 15:25:50 +01:00
FeatureEnableCommand.php feat(features): support percentage rollouts in feature:enable (#592) 2026-06-25 10:46:30 +00:00
GenerateBudgetPeriods.php fix: Budget period not found on last day of period (#91) 2026-02-01 11:33:10 +01:00
GenerateLandingAuthLinkCommand.php feat(landing): add signed auth links (#312) 2026-04-21 08:28:59 +01:00
GenerateMonthlyLoanBalances.php feat(accounts): add loan amortization projections for loan accounts (#246) 2026-03-26 15:06:09 +01:00
GenerateStripePromotionCodesCommand.php feat(stripe): add promo code generator (#311) 2026-04-20 18:15:28 +01:00
ResendLeadVerificationEmailsCommand.php feat: resend verification emails to unverified leads (#287) 2026-04-15 09:13:27 +01:00
ResendSyncCommand.php feat: Sync new users to Resend contacts (#85) 2026-01-28 21:25:58 +01:00
ResendSyncLeadsCommand.php perf(resend): default sync-leads to last 24h window (#354) 2026-05-05 09:57:25 +01:00
ResetDemoAccountCommand.php fix(budgets): remove Custom period type to fix duplicate-key crash (#355) 2026-05-05 16:07:16 +02:00
ResetUserCategories.php Refactor: Optimize category management in CreateDefaultCategories and ResetUserCategories 2025-12-01 15:37:53 +01:00
RetryLeadFailedJobsCommand.php feat: selective retry of failed lead email jobs (#286) 2026-04-15 08:00:29 +01:00
ReviewIntegrationRequestsCommand.php feat(integration-requests): add done status and fix review command crash on orphaned author (#601) 2026-06-27 14:42:09 +00:00
SendAiCohortReportCommand.php feat(ai): add weekly AI-suggestions cohort report (#530) 2026-06-13 23:23:34 +02:00
SendAiConsentFollowUpEmailsCommand.php feat(email): follow up after post-onboarding AI consent (#596) 2026-06-26 17:56:06 +00:00
SendDailyStatsReportCommand.php feat(discord): enrich Stripe event messages and dedupe deliveries (#460) 2026-05-31 12:50:37 +02:00
SendExperimentFunnelReportCommand.php feat(subscriptions): trial/pricing A/B/C experiment (#600) 2026-06-27 18:00:15 +02:00
SendPaywallFollowUpEmailsCommand.php feat(drip): email users stuck on the paywall a day after onboarding (#562) 2026-06-19 14:11:12 +00:00
SendStuckCohortReportCommand.php feat(stats): weekly paywall stuck-cohort report to Discord (#563) 2026-06-19 14:12:51 +00:00
SendSubscriptionCancelledEmailCommand.php Add subscription cancellation email with manual trigger command (#47) 2025-12-30 20:32:44 +01:00
SendSubscriptionFunnelReportCommand.php feat(stats): add weekly subscription funnel report (#599) 2026-06-27 15:40:11 +02:00
SendTestEmails.php chore(commands): unify command signatures 2025-12-30 07:22:18 +01:00
SendUpdateEmailCommand.php fix: delay emails to avoid reaching daily resend limit 2026-01-09 11:11:38 +01:00
SendUserLeadInvitations.php fix: keep lead invite command aliases (#406) 2026-05-20 12:26:21 +02:00
SendUserLeadReInvitations.php feat(leads): add user lead re-invite campaign (#432) 2026-05-26 08:35:31 +02:00
SetBankLogoCommand.php fix(banks:set-logo): add JPEG support test coverage and prompt for missing arguments (#214) 2026-03-07 16:33:54 +00:00
SetupMainUser.php fix(static-analysis): clear phpstan-baseline by fixing all suppressed errors (#183) 2026-03-02 12:22:30 +00:00
StripeSubscriptionStatsCommand.php feat: add Discord admin feed for daily stats and Stripe events (#458) 2026-05-30 18:14:46 +02:00
SuggestRulesCommand.php feat(ai): suggest automation rules during onboarding (#523) 2026-06-13 22:51:15 +02:00
SyncBankingConnections.php refactor: centralize duplicated provider & locale keys into enums (#543) 2026-06-16 13:43:14 +00:00
SyncStripePricesCommand.php chore: upgrade Laravel 12 to 13 (#242) 2026-03-25 12:56:33 +00:00
TestScheduledDripEmailCommand.php Test mail drip command 2025-12-30 07:22:18 +01:00
VerifyRefundFlowCommand.php feat(subscriptions): trial/pricing A/B/C experiment (#600) 2026-06-27 18:00:15 +02:00