prep for reload/raastas part 3: add GST notice, max and min values and make contact picker and contacts page behave correctly for fahipay contacts

app/src/main/java/sh/sar/basedbank/ui/home/ContactPickerAdapter.kt

@@ -15,7 +15,7 @@ import sh.sar.basedbank.databinding.ItemPickerSectionHeaderBinding
 
 class ContactPickerAdapter(
     private val imageCache: MutableMap<String, Bitmap>,
-    private val onItemClick: (accountNumber: String, label: String) -> Unit,
+    private val onItemClick: (accountNumber: String, label: String, categoryId: String?) -> Unit,
     private val onSameAsFrom: () -> Unit,
     private val onImageNeeded: ((hash: String) -> Unit)? = null,
     private val onItemLongClick: ((accountNumber: String, anchor: android.view.View) -> Boolean)? = null
@@ -33,7 +33,9 @@ class ContactPickerAdapter(
             val imageHash: String? = null,
             val inactiveReason: String? = null,
             val balance: String? = null,
-            val bankLogoRes: Int? = null
+            val bankLogoRes: Int? = null,
+            /** The saved contact's category, for rows that are contacts; null otherwise. */
+            val categoryId: String? = null
         ) : PickerItem()
     }
 
@@ -125,7 +127,7 @@ class ContactPickerAdapter(
                         Toast.makeText(binding.root.context, item.inactiveReason, Toast.LENGTH_SHORT).show()
                     item.isSameAsFrom ->
                         Toast.makeText(binding.root.context, R.string.transfer_same_account, Toast.LENGTH_SHORT).show()
-                    else -> onItemClick(item.accountNumber, item.displayName)
+                    else -> onItemClick(item.accountNumber, item.displayName, item.categoryId)
                 }
             }
             binding.root.setOnLongClickListener { view ->

app/src/main/java/sh/sar/basedbank/ui/home/ContactPickerSheetFragment.kt

@@ -54,7 +54,7 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         val pageAdapters: List<ContactPickerAdapter> = pages.mapIndexed { i, page ->
             ContactPickerAdapter(
                 imageCache = sharedImageCache,
-                onItemClick = { accountNumber, label -> handlePickerSelection(accountNumber, label) },
+                onItemClick = { accountNumber, label, categoryId -> handlePickerSelection(accountNumber, label, categoryId) },
                 onSameAsFrom = {},
                 onImageNeeded = { hash -> fetchImage(hash) },
                 onItemLongClick = { accountNumber, anchor ->
@@ -161,12 +161,13 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         }.also { it.attach() }
     }
 
-    private fun handlePickerSelection(accountNumber: String, label: String) {
+    private fun handlePickerSelection(accountNumber: String, label: String, categoryId: String?) {
         val contacts = viewModel.contacts.value ?: emptyList()
         val accounts = viewModel.accounts.value ?: emptyList()
         val contact = contacts.firstOrNull { it.benefAccount == accountNumber }
         val account = accounts.firstOrNull { it.accountNumber == accountNumber }
         val bundle = bundleOf(KEY_ACCOUNT_NUMBER to accountNumber, KEY_LABEL to label)
+        categoryId?.let { bundle.putString(KEY_CATEGORY, it) }
         when {
             accountNumber.startsWith("bmlqr:") -> {
                 bundle.putString(KEY_SUBTITLE, "BML QR Merchant")
@@ -226,7 +227,8 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                     imageHash     = r.imageHash,
                     // A MFAISA-tagged recent is itself a valid M-Faisa recipient — don't grey it out
                     // when the source is M-Faisa.
-                    inactiveReason = if (r.bank == "MFAISA") null else mfaisaInactive
+                    inactiveReason = if (r.bank == "MFAISA") null else mfaisaInactive,
+                    categoryId    = r.contactCategory
                 ))
             }
             return items
@@ -328,7 +330,8 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                 colorHex      = contact.bankColor,
                 isSameAsFrom  = contact.benefAccount == fromAccountNumber,
                 imageHash     = contact.customerImgHash,
-                inactiveReason = mfaisaInactive ?: currencyMismatchReason(fromCurrency, contact.transferCyDesc)
+                inactiveReason = mfaisaInactive ?: currencyMismatchReason(fromCurrency, contact.transferCyDesc),
+                categoryId    = contact.benefCategoryId
             ))
         }
         return items
@@ -396,6 +399,8 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         const val KEY_SUBTITLE = "subtitle"
         const val KEY_COLOR = "color"
         const val KEY_IMAGE_HASH = "imageHash"
+        /** The picked contact's category (`BankContact.benefCategoryId`); absent for non-contacts. */
+        const val KEY_CATEGORY = "category"
         private const val ARG_FROM_ACCOUNT = "fromAccount"
         private const val RECENTS_TAG = "__recents__"
         private const val MY_ACCOUNTS_TAG = "__my_accounts__"

app/src/main/java/sh/sar/basedbank/ui/home/ContactsFragment.kt

@@ -188,7 +188,8 @@ class ContactsFragment : Fragment() {
             displayName   = contact.name,
             subtitle      = contact.transferSubtitle,
             colorHex      = contact.bankColor,
-            imageHash     = contact.imageHash
+            imageHash     = contact.imageHash,
+            contactCategory = contact.categoryId
         )
         (requireActivity() as HomeActivity).showWithBackStack(fragment)
     }

app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt

@@ -51,6 +51,7 @@ import sh.sar.basedbank.databinding.ItemPickerRowBinding
 import sh.sar.basedbank.databinding.ItemPickerSectionHeaderBinding
 import sh.sar.basedbank.databinding.ItemTransferTypeBinding
 import sh.sar.basedbank.ui.home.transfer.BmlTransferHandler
+import sh.sar.basedbank.ui.home.transfer.FahipayService
 import sh.sar.basedbank.ui.home.transfer.FahipayTransferHandler
 import sh.sar.basedbank.ui.home.transfer.MfaisaTransferHandler
 import sh.sar.basedbank.ui.home.transfer.MibTransferHandler
@@ -277,6 +278,7 @@ class TransferFragment : Fragment() {
         private const val ARG_SUBTITLE = "contact_subtitle"
         private const val ARG_COLOR = "contact_color"
         private const val ARG_IMAGE_HASH = "contact_image_hash"
+        private const val ARG_CONTACT_CATEGORY = "contact_category"
         private const val ARG_FROM_ACCOUNT = "from_account"
         private const val ARG_AMOUNT_PREFILL = "amount_prefill"
         private const val ARG_REMARKS_PREFILL = "remarks_prefill"
@@ -311,7 +313,9 @@ class TransferFragment : Fragment() {
             displayName: String,
             subtitle: String,
             colorHex: String,
-            imageHash: String?
+            imageHash: String?,
+            /** The contact's category; a Fahipay favourites list opens as that payout service. */
+            contactCategory: String? = null
         ) = TransferFragment().apply {
             arguments = Bundle().apply {
                 putString(ARG_ACCOUNT, accountNumber)
@@ -319,6 +323,7 @@ class TransferFragment : Fragment() {
                 putString(ARG_SUBTITLE, subtitle)
                 putString(ARG_COLOR, colorHex)
                 if (imageHash != null) putString(ARG_IMAGE_HASH, imageHash)
+                if (contactCategory != null) putString(ARG_CONTACT_CATEGORY, contactCategory)
             }
         }
 
@@ -393,6 +398,9 @@ class TransferFragment : Fragment() {
                 return@setFragmentResultListener
             }
             val label     = bundle.getString(ContactPickerSheetFragment.KEY_LABEL) ?: ""
+            if (applyFahipayContact(accountNumber, bundle.getString(ContactPickerSheetFragment.KEY_CATEGORY), label)) {
+                return@setFragmentResultListener
+            }
             val subtitle  = bundle.getString(ContactPickerSheetFragment.KEY_SUBTITLE) ?: accountNumber
             val colorHex  = bundle.getString(ContactPickerSheetFragment.KEY_COLOR) ?: "#607D8B"
             val imageHash = bundle.getString(ContactPickerSheetFragment.KEY_IMAGE_HASH)
@@ -435,9 +443,11 @@ class TransferFragment : Fragment() {
     private fun applyArguments() {
         // Pre-select contact if navigated from contacts page or QR scan
         arguments?.getString(ARG_ACCOUNT)?.let { account ->
+            val name = arguments?.getString(ARG_NAME) ?: account
+            if (applyFahipayContact(account, arguments?.getString(ARG_CONTACT_CATEGORY), name)) return@let
             prefillToDirectly(
                 accountNumber = account,
-                displayName   = arguments?.getString(ARG_NAME) ?: account,
+                displayName   = name,
                 subtitle      = arguments?.getString(ARG_SUBTITLE) ?: account,
                 colorHex      = arguments?.getString(ARG_COLOR) ?: "#607D8B",
                 imageHash     = arguments?.getString(ARG_IMAGE_HASH)
@@ -1090,6 +1100,9 @@ class TransferFragment : Fragment() {
 
         binding.etTo.setOnItemClickListener { _, _, position, _ ->
             val contact = adapter.getContact(position) ?: return@setOnItemClickListener
+            if (applyFahipayContact(contact.benefAccount, contact.benefCategoryId, contact.benefNickName)) {
+                return@setOnItemClickListener
+            }
             prefillToDirectly(
                 accountNumber = contact.benefAccount,
                 displayName   = contact.benefNickName,
@@ -1102,6 +1115,19 @@ class TransferFragment : Fragment() {
         }
     }
 
+    /**
+     * A saved Fahipay favourite: its list ([categoryId]) already says which service pays it, so
+     * that service is applied as the only transfer type, with no carrier lookup. That switches
+     * the source to the Fahipay wallet and brings in the service's amount rules, the same as a
+     * searched number. Returns false, doing nothing, when [categoryId] isn't a Fahipay list.
+     */
+    private fun applyFahipayContact(number: String, categoryId: String?, name: String): Boolean {
+        val service = FahipayService.fromContactCategory(categoryId) ?: return false
+        clearRecipient()
+        offerTransferTypes(number, listOf(TransferType.Fahipay(service, name.takeIf { it.isNotBlank() && it != number })))
+        return true
+    }
+
     /** Picks the user's default account as the source when a recipient is chosen before any source. */
     private fun selectDefaultSourceIfNone() {
         if (selectedAccount != null) return
@@ -1312,7 +1338,9 @@ class TransferFragment : Fragment() {
         displayName: String,
         subtitle: String,
         colorHex: String,
-        imageHash: String?
+        imageHash: String?,
+        /** Saved with the recent, so picking it again pays the same way (Fahipay services). */
+        contactCategory: String? = null
     ) {
         resolvedAccountNumber = accountNumber
         resolvedRecipientName = displayName
@@ -1363,7 +1391,8 @@ class TransferFragment : Fragment() {
             subtitle = subtitle,
             colorHex = colorHex,
             imageHash = recentImageHash,
-            isProfileImage = recentIsProfileImage
+            isProfileImage = recentIsProfileImage,
+            contactCategory = contactCategory
         ))
         if (contact != null && imageHash != null) loadToPhoto(imageHash, isProfile = false)
     }
@@ -1890,10 +1919,15 @@ class TransferFragment : Fragment() {
 
 
     private fun updateTransferButton() {
+        // The handler is dropped with the view, but a picked Fahipay service lives on in the
+        // draft — build it so the amount rules still apply after the view is recreated.
+        val fahipay = if (draft.fahipayService != null) fahipayHandler() else null
+        fahipay?.syncAmountField()
         if (bmlHandler().isOtpFlowActive) return
         val amount = binding.etAmount.text?.toString()?.trim()?.toDoubleOrNull() ?: 0.0
         val recipientReady = bmlHandler().hasQrMerchant || bmlHandler().hasCardMerchant || mfaisaHandler().hasQrMerchant || resolvedAccountNumber.isNotBlank()
-        val hasAll = selectedAccount != null && recipientReady && amount > 0 && !transferTypePending
+        val amountOk = amount > 0 && fahipay?.amountProblem == null
+        val hasAll = selectedAccount != null && recipientReady && amountOk && !transferTypePending
         if (!hasAll) { binding.btnTransfer.isEnabled = false; return }
         val errors = viewModel.connectivityErrors.value ?: emptySet()
         val bankOffline = "NO_INTERNET" in errors ||

app/src/main/java/sh/sar/basedbank/ui/home/transfer/FahipayTransferHandler.kt

@@ -1,5 +1,6 @@
 package sh.sar.basedbank.ui.home.transfer
 
+import android.text.InputType
 import androidx.annotation.DrawableRes
 import androidx.lifecycle.lifecycleScope
 import kotlinx.coroutines.Dispatchers
@@ -12,6 +13,8 @@ import sh.sar.basedbank.databinding.FragmentTransferBinding
 import sh.sar.basedbank.ui.home.HomeViewModel
 import sh.sar.basedbank.ui.home.TransferFragment
 import sh.sar.basedbank.util.AccountInputParser
+import java.math.BigDecimal
+import java.math.RoundingMode
 
 /**
  * A service a Fahipay wallet can pay out to. The carrier lookup decides which of these apply to
@@ -26,11 +29,41 @@ enum class FahipayService(
     val label: String,
     val destinationLabel: String,
     @param:DrawableRes val iconRes: Int,
+    /** Smallest amount the service accepts, in MVR. */
+    val minAmount: Int,
+    /** Largest amount the service accepts, in MVR, or null for no limit. */
+    val maxAmount: Int?,
+    /** Whether the amount may have a fractional part (up to 2 decimal places). */
+    val decimalsAllowed: Boolean,
+    /**
+     * The contact category of this service's Fahipay favourites list (`BankContact.benefCategoryId`,
+     * set by `FahipayContactsClient`). Recents of this service are tagged with it too.
+     */
+    val contactCategory: String,
+    /** GST the carrier takes out of the amount before crediting it, in percent, or null for none. */
+    val gstPercent: Int? = null,
 ) {
-    RAASTAS("Raastas", "Ooredoo · Raastas", R.drawable.ooredoo_logo),
+    RAASTAS("Raastas", "Ooredoo · Raastas", R.drawable.ooredoo_logo,
-    OOREDOO_BILL("Ooredoo Bill Pay", "Ooredoo · Bill Pay", R.drawable.ooredoo_logo),
+        minAmount = 11, maxAmount = null, decimalsAllowed = false,
-    DHIRAAGU_RELOAD("Dhiraagu Reload", "Dhiraagu · Reload", R.drawable.dhiraagu_logo),
+        contactCategory = "FAHIPAY_RAASTAS", gstPercent = 8),
-    DHIRAAGU_BILL("Dhiraagu Bill Pay", "Dhiraagu · Bill Pay", R.drawable.dhiraagu_logo),
+    OOREDOO_BILL("Ooredoo Bill Pay", "Ooredoo · Bill Pay", R.drawable.ooredoo_logo,
+        minAmount = 10, maxAmount = 50000, decimalsAllowed = true,
+        contactCategory = "FAHIPAY_OOREDOO_BILL"),
+    DHIRAAGU_RELOAD("Dhiraagu Reload", "Dhiraagu · Reload", R.drawable.dhiraagu_logo,
+        minAmount = 8, maxAmount = 1000, decimalsAllowed = false,
+        contactCategory = "FAHIPAY_RELOAD"),
+    DHIRAAGU_BILL("Dhiraagu Bill Pay", "Dhiraagu · Bill Pay", R.drawable.dhiraagu_logo,
+        minAmount = 10, maxAmount = 5000, decimalsAllowed = false,
+        contactCategory = "FAHIPAY_DHIRAAGU_BILL");
+
+    companion object {
+        /**
+         * The service a saved Fahipay favourite or recent pays with, from its [contactCategory],
+         * or null when [categoryId] isn't one of them.
+         */
+        fun fromContactCategory(categoryId: String?): FahipayService? =
+            entries.firstOrNull { it.contactCategory == categoryId }
+    }
 }
 
 /**
@@ -79,9 +112,71 @@ class FahipayTransferHandler(
         lookupCarrier(rawInput)
     }
 
-    /** Forgets the selected service. The picker itself is the fragment's to reset. */
+    /**
+     * Forgets the selected service and gives back the amount and reference fields it took over.
+     * The picker itself is the fragment's to reset.
+     */
     fun clearState() {
+        if (service == null) return
         service = null
+        binding.tilAmount.error = null
+        binding.tilAmount.helperText = null
+        binding.etAmount.inputType = DECIMAL_INPUT
+        binding.tilRemarks.isEnabled = true
+        binding.tilRemarks.alpha = 1f
+    }
+
+    /**
+     * Why the typed amount can't be sent with the selected service, or null when it can (or the
+     * field is empty, or no service is selected). Checks the service's minimum, maximum and
+     * whether it takes decimals.
+     */
+    val amountProblem: String?
+        get() {
+            val svc = service ?: return null
+            val text = binding.etAmount.text?.toString()?.trim().orEmpty()
+            if (text.isEmpty()) return null
+            val amount = text.toBigDecimalOrNull() ?: return ctx.getString(R.string.transfer_fahipay_amount_invalid)
+            val fraction = amount.stripTrailingZeros().scale()
+            return when {
+                !svc.decimalsAllowed && fraction > 0 -> ctx.getString(R.string.transfer_fahipay_amount_whole)
+                fraction > 2 -> ctx.getString(R.string.transfer_fahipay_amount_decimals)
+                amount < BigDecimal(svc.minAmount) -> ctx.getString(R.string.transfer_fahipay_amount_min, svc.minAmount)
+                svc.maxAmount != null && amount > BigDecimal(svc.maxAmount) ->
+                    ctx.getString(R.string.transfer_fahipay_amount_max, "%,d".format(svc.maxAmount))
+                else -> null
+            }
+        }
+
+    /**
+     * Keeps the amount and reference fields in step with the selected service: the amount
+     * error, the GST note under the amount, and the reference box disabled (none of the
+     * payouts take one). Idempotent — the fragment calls it on every form change. A no-op
+     * when no service is selected; [clearState] puts the fields back.
+     */
+    fun syncAmountField() {
+        val svc = service ?: return
+        // Whole-number services get a keypad without a decimal point. Only set on change:
+        // setting inputType restarts the keyboard, and this runs on every keystroke.
+        val inputType = if (svc.decimalsAllowed) DECIMAL_INPUT else InputType.TYPE_CLASS_NUMBER
+        if (binding.etAmount.inputType != inputType) binding.etAmount.inputType = inputType
+        binding.tilRemarks.isEnabled = false
+        binding.tilRemarks.alpha = 0.4f
+        val problem = amountProblem
+        binding.tilAmount.error = problem
+        binding.tilAmount.helperText = if (problem == null) gstNote(svc) else null
+    }
+
+    /**
+     * What the recipient is credited once GST comes out, for services that charge it. The
+     * amount paid is GST-inclusive, so the credit is amount / (1 + rate), rounded down.
+     */
+    private fun gstNote(svc: FahipayService): String? {
+        val gst = svc.gstPercent ?: return null
+        val amount = binding.etAmount.text?.toString()?.trim()?.toBigDecimalOrNull()
+        if (amount == null || amount.signum() <= 0) return ctx.getString(R.string.transfer_fahipay_gst_hint, gst)
+        val credited = amount.divide(BigDecimal.ONE + BigDecimal(gst).movePointLeft(2), 2, RoundingMode.DOWN)
+        return ctx.getString(R.string.transfer_fahipay_gst_receive, "%,.2f".format(credited), gst)
     }
 
     /**
@@ -90,6 +185,8 @@ class FahipayTransferHandler(
      */
     fun applyService(type: TransferType.Fahipay, number: String) {
         service = type.service
+        // None of the payouts take a reference; syncAmountField() disables the box
+        binding.etRemarks.setText("")
         val contacts = viewModel.contacts.value ?: emptyList()
         val displayName = type.ownerName
             ?: contacts.firstOrNull { it.benefAccount == number }?.benefNickName
@@ -99,7 +196,8 @@ class FahipayTransferHandler(
             displayName   = displayName,
             subtitle      = "${type.label} · $number",
             colorHex      = "#FF6B00",
-            imageHash     = null
+            imageHash     = null,
+            contactCategory = type.service.contactCategory
         )
         fragment.focusAmount()
     }
@@ -165,4 +263,9 @@ class FahipayTransferHandler(
         if (result.ooredoo == OoredooClient.CustType.PRE  || result.ooredoo == OoredooClient.CustType.HYBRID) add(FahipayService.RAASTAS)
         if (result.ooredoo == OoredooClient.CustType.POST || result.ooredoo == OoredooClient.CustType.HYBRID) add(FahipayService.OOREDOO_BILL)
     }
+
+    private companion object {
+        /** The amount field's input type from `fragment_transfer.xml` (`numberDecimal`). */
+        const val DECIMAL_INPUT = InputType.TYPE_CLASS_NUMBER or InputType.TYPE_NUMBER_FLAG_DECIMAL
+    }
 }

app/src/main/java/sh/sar/basedbank/util/RecentsCache.kt

@@ -13,7 +13,10 @@ data class RecentPick(
     val isProfileImage: Boolean,
     /** Source bank tag for the recent — e.g. "MFAISA". Used by the picker to decide
      *  per-bank selectability. Null for legacy entries; treated as unspecified. */
-    val bank: String? = null
+    val bank: String? = null,
+    /** The contact category the pick was paid as — set for Fahipay payouts (e.g.
+     *  "FAHIPAY_RAASTAS") so picking the recent again applies the same service. */
+    val contactCategory: String? = null
 )
 
 object RecentsCache {
@@ -38,6 +41,7 @@ object RecentsCache {
                 if (r.imageHash != null) put("imageHash", r.imageHash)
                 put("isProfileImage", r.isProfileImage)
                 if (r.bank != null) put("bank", r.bank)
+                if (r.contactCategory != null) put("contactCategory", r.contactCategory)
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
@@ -56,6 +60,7 @@ object RecentsCache {
                 if (r.imageHash != null) put("imageHash", r.imageHash)
                 put("isProfileImage", r.isProfileImage)
                 if (r.bank != null) put("bank", r.bank)
+                if (r.contactCategory != null) put("contactCategory", r.contactCategory)
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
@@ -81,7 +86,8 @@ object RecentsCache {
                     colorHex = o.getString("colorHex"),
                     imageHash = o.optString("imageHash").takeIf { it.isNotBlank() },
                     isProfileImage = o.optBoolean("isProfileImage", false),
-                    bank = o.optString("bank").takeIf { it.isNotBlank() }
+                    bank = o.optString("bank").takeIf { it.isNotBlank() },
+                    contactCategory = o.optString("contactCategory").takeIf { it.isNotBlank() }
                 )
             }
         } catch (_: Exception) {

app/src/main/java/sh/sar/basedbank/util/fahipayapi/FahipayContactParser.kt

@@ -1,6 +1,7 @@
 package sh.sar.basedbank.util.fahipayapi
 
 import sh.sar.basedbank.api.models.BankContact
+import sh.sar.basedbank.ui.home.transfer.FahipayService
 import sh.sar.basedbank.util.ContactDisplay
 import sh.sar.basedbank.util.TransferNetwork
 
@@ -20,7 +21,8 @@ object FahipayContactParser {
         imageHash        = contact.customerImgHash,
         profileId        = contact.profileId,
         transferSubtitle = contact.benefAccount,
-        canTransfer      = false,
+        // Each favourites list is one payout service; the Transfer screen picks it from categoryId
+        canTransfer      = FahipayService.fromContactCategory(contact.benefCategoryId) != null,
         canEdit          = false,
         canDelete        = false
     )

app/src/main/res/values/strings.xml

@@ -262,6 +262,13 @@
     <string name="transfer_label_from">From</string>
     <string name="transfer_label_to">To</string>
     <string name="transfer_type_for">Transfer type for %1$s</string>
+    <string name="transfer_fahipay_amount_invalid">Enter a valid amount</string>
+    <string name="transfer_fahipay_amount_whole">Whole amounts only, no decimals</string>
+    <string name="transfer_fahipay_amount_decimals">Up to 2 decimal places</string>
+    <string name="transfer_fahipay_amount_min">Minimum is MVR %1$d</string>
+    <string name="transfer_fahipay_amount_max">Maximum is MVR %1$s</string>
+    <string name="transfer_fahipay_gst_hint">%1$d%% GST is deducted from this amount</string>
+    <string name="transfer_fahipay_gst_receive">Recipient receives MVR %1$s after %2$d%% GST</string>
     <string name="transfer_fahipay_phone_only">Fahipay transfers require a 7-digit phone number</string>
     <string name="transfer_my_accounts">My Accounts</string>
     <string name="transfer_same_as_from">This is the same account as the sender</string>

docs/thijooree/20-transfer-flows.md

@@ -10,7 +10,7 @@ The transfer screen (`TransferFragment`) handles all outgoing payments across MI
 
 | Factory method | Behaviour |
 |---|---|
-| `newInstance(accountNumber, displayName, subtitle, colorHex, imageHash)` | Pre-fills the "To" card from a contact, recents pick, or About → Donate |
+| `newInstance(accountNumber, displayName, subtitle, colorHex, imageHash, contactCategory?)` | Pre-fills the "To" card from a contact, recents pick, or About → Donate. A Fahipay favourite's `contactCategory` opens it as that payout service instead (see [Saved Fahipay favourites](#saved-fahipay-favourites)) |
 | `newInstanceFrom(account: BankAccount)` | Pre-selects the given account in the "From" dropdown |
 | `newInstanceFromQr(accountNumber, displayName, amount, remarks, fromAccountNumber?)` | Pre-fills recipient + optional amount/remarks from a PayMV QR scan |
 | `newInstanceFromBmlQr(qrUrl, fromAccountNumber?)` | BML card/gateway/POS QR merchant payment mode — locks recipient, may pre-fill amount |
@@ -90,6 +90,51 @@ The result maps to one or more Fahipay services:
 
 The matching services are offered in the Transfer Type picker (see above).
 
+#### Saved Fahipay favourites
+
+Each Fahipay favourites list is one payout service (`FahipayService.contactCategory` / `fromContactCategory`):
+
+| Contact category | Service |
+|---|---|
+| `FAHIPAY_RAASTAS` | Raastas |
+| `FAHIPAY_RELOAD` | Dhiraagu Reload |
+| `FAHIPAY_OOREDOO_BILL` | Ooredoo Bill Pay |
+| `FAHIPAY_DHIRAAGU_BILL` | Dhiraagu Bill Pay |
+
+So picking a favourite skips the carrier lookup and the picker. That service is offered as the only transfer type, so it's picked straight away (`TransferFragment.applyFahipayContact`). As with a searched number, that switches the source to the Fahipay wallet and applies the service's amount rules. This happens wherever a favourite is picked:
+
+- the contact picker sheet (the row's category goes back as `ContactPickerSheetFragment.KEY_CATEGORY`)
+- the "To" field's search-as-you-type dropdown
+- the Contacts page: the row's transfer button and the contact details sheet's Transfer action. Fahipay favourites have `canTransfer` set when their category maps to a service.
+
+Recents work the same way. Paying a number as a Fahipay service saves the recent with that service's category (`RecentPick.contactCategory`). The picker passes it back like a favourite's, so picking the recent pays with the same service. Recents saved before this was added have no category and are still filled in directly.
+
+#### Amount rules
+
+Each service has its own limits on the amount (`FahipayService.minAmount` / `maxAmount` / `decimalsAllowed`):
+
+| Service | Min (MVR) | Max (MVR) | Decimals |
+|---|---|---|---|
+| Raastas | 11 | no limit | no |
+| Ooredoo Bill Pay | 10 | 50,000 | yes, up to 2 places |
+| Dhiraagu Reload | 8 | 1,000 | no |
+| Dhiraagu Bill Pay | 10 | 5,000 | no |
+
+The amount is checked as the user types (`FahipayTransferHandler.amountProblem`). An amount that breaks a rule shows an error on the amount field ("Minimum is MVR 11", "Maximum is MVR 5,000", "Whole amounts only, no decimals", "Up to 2 decimal places"), and Send stays disabled. A trailing `.00` counts as a whole number. Services that don't take decimals switch the amount field to a number-only keypad.
+
+#### GST (Raastas)
+
+Raastas charges 8% GST out of the amount paid (`FahipayService.gstPercent`), so the number credited is less than the amount deducted from the wallet. The amount is GST-inclusive, so the credit is `amount / 1.08`, rounded down to 2 decimal places. The amount field's helper text says so:
+
+- Empty field: "8% GST is deducted from this amount"
+- With an amount: "Recipient receives MVR 92.59 after 8% GST" (for MVR 100)
+
+When the amount breaks a rule, the error replaces the helper text.
+
+#### Reference
+
+None of the Fahipay services take a reference. Picking one clears the Reference field and disables it, the same way BML merchant QR payments do. Clearing the service turns the field back on.
+
 ### BML source
 
 1. If the input type is `MIB_ACCOUNT`, calls `BmlValidateClient.verifyMibAccount()`.
@@ -281,6 +326,7 @@ The transfer button is only enabled when all of the following are true:
 - A recipient is resolved (`resolvedAccountNumber` not blank, or the BML handler's `qrInfo` is set)
 - Amount is greater than `0`
 - If transfer types are on offer, one has been picked
+- For a Fahipay service, the amount meets that service's rules (see [Amount rules](#amount-rules))
 - No connectivity error for `NO_INTERNET` or for the source bank
 
 ---