feat: process pending transactions from lunchflow (#731)

* feat(config): add Lunchflow runtime configuration flags

* feat(api): add include_pending parameter to Lunchflow API

* feat(processor): add pending metadata support to Lunchflow processor

* feat(processor): generate temporary IDs for pending transactions

* feat(importer): integrate pending transaction support in sync

* fix(importer): improve deduplication for transactions without IDs

* feat(model): add Lunchflow pending support to Transaction scopes

* test: add Lunchflow processor pending metadata tests

* docs: update AGENTS.md for Lunchflow pending support

* chore: remove unused variable

* fix: simplify key check

* fix: dotenv-linter key order

* fix: avoid collapsing distinct pending transactions

* fix: prevent unbounded raw payload growth for blank IDs

test/models/lunchflow_entry/processor_test.rb

@@ -0,0 +1,202 @@
+require "test_helper"
+
+class LunchflowEntry::ProcessorTest < ActiveSupport::TestCase
+  setup do
+    @family = families(:empty)
+    @lunchflow_item = LunchflowItem.create!(
+      name: "Test Lunchflow Connection",
+      api_key: "test_key",
+      family: @family
+    )
+    @lunchflow_account = LunchflowAccount.create!(
+      lunchflow_item: @lunchflow_item,
+      name: "Test Account",
+      currency: "USD",
+      account_id: "lf_acc_123"
+    )
+
+    # Create a real account and link it
+    @account = Account.create!(
+      family: @family,
+      name: "Test Checking",
+      accountable: Depository.new(subtype: "checking"),
+      balance: 1000,
+      currency: "USD"
+    )
+
+    AccountProvider.create!(
+      account: @account,
+      provider: @lunchflow_account
+    )
+
+    @lunchflow_account.reload
+  end
+
+  test "stores pending metadata when isPending is true" do
+    transaction_data = {
+      id: "lf_txn_123",
+      accountId: 456,
+      amount: -50.00,
+      currency: "USD",
+      date: "2025-01-15",
+      merchant: "Test Merchant",
+      description: "Test transaction",
+      isPending: true
+    }
+
+    result = LunchflowEntry::Processor.new(
+      transaction_data,
+      lunchflow_account: @lunchflow_account
+    ).process
+
+    assert_not_nil result
+    transaction = result.entryable
+    assert_kind_of Transaction, transaction
+    assert_equal true, transaction.pending?
+    assert_equal true, transaction.extra.dig("lunchflow", "pending")
+  end
+
+  test "stores pending false when isPending is false" do
+    transaction_data = {
+      id: "lf_txn_124",
+      accountId: 456,
+      amount: -50.00,
+      currency: "USD",
+      date: "2025-01-15",
+      merchant: "Test Merchant",
+      description: "Test transaction",
+      isPending: false
+    }
+
+    result = LunchflowEntry::Processor.new(
+      transaction_data,
+      lunchflow_account: @lunchflow_account
+    ).process
+
+    assert_not_nil result
+    transaction = result.entryable
+    assert_equal false, transaction.pending?
+    assert_equal false, transaction.extra.dig("lunchflow", "pending")
+  end
+
+  test "does not store pending metadata when isPending is absent" do
+    transaction_data = {
+      id: "lf_txn_125",
+      accountId: 456,
+      amount: -50.00,
+      currency: "USD",
+      date: "2025-01-15",
+      merchant: "Test Merchant",
+      description: "Test transaction"
+    }
+
+    result = LunchflowEntry::Processor.new(
+      transaction_data,
+      lunchflow_account: @lunchflow_account
+    ).process
+
+    assert_not_nil result
+    transaction = result.entryable
+    assert_not transaction.pending?
+    assert_nil transaction.extra.dig("lunchflow", "pending")
+    assert_nil transaction.extra.dig("lunchflow")
+  end
+
+  test "handles string true value for isPending" do
+    transaction_data = {
+      id: "lf_txn_126",
+      accountId: 456,
+      amount: -50.00,
+      currency: "USD",
+      date: "2025-01-15",
+      merchant: "Test Merchant",
+      description: "Test transaction",
+      isPending: "true"
+    }
+
+    result = LunchflowEntry::Processor.new(
+      transaction_data,
+      lunchflow_account: @lunchflow_account
+    ).process
+
+    assert_not_nil result
+    transaction = result.entryable
+    assert_equal true, transaction.pending?
+    assert_equal true, transaction.extra.dig("lunchflow", "pending")
+  end
+
+  test "generates temporary ID for pending transactions with blank ID" do
+    transaction_data = {
+      id: "",
+      accountId: 456,
+      amount: -50.00,
+      currency: "USD",
+      date: "2025-01-15",
+      merchant: "Test Merchant",
+      description: "Pending transaction",
+      isPending: true
+    }
+
+    # Process transaction with blank ID
+    result = LunchflowEntry::Processor.new(
+      transaction_data,
+      lunchflow_account: @lunchflow_account
+    ).process
+
+    assert_not_nil result
+    transaction = result.entryable
+    assert_kind_of Transaction, transaction
+    assert transaction.pending?
+
+    # Verify the entry has a generated external_id (since we can't have blank IDs)
+    assert result.external_id.present?
+    assert_match /^lunchflow_pending_[a-f0-9]{32}$/, result.external_id
+
+    # Note: Calling the processor again with identical data will trigger collision
+    # detection and create a SECOND entry (with _1 suffix). In real syncs, the
+    # importer's deduplication prevents this. For true idempotency testing,
+    # use the importer, not the processor directly.
+  end
+
+  test "generates unique IDs for multiple pending transactions with identical attributes" do
+    # Two pending transactions with same merchant, amount, date (e.g., two Uber rides)
+    transaction_data = {
+      id: "",
+      accountId: 456,
+      amount: -15.00,
+      currency: "USD",
+      date: "2025-01-15",
+      merchant: "UBER",
+      description: "Ride",
+      isPending: true
+    }
+
+    # Process first transaction
+    result1 = LunchflowEntry::Processor.new(
+      transaction_data,
+      lunchflow_account: @lunchflow_account
+    ).process
+
+    assert_not_nil result1
+    assert_match /^lunchflow_pending_[a-f0-9]{32}$/, result1.external_id
+
+    # Process second transaction with IDENTICAL attributes
+    result2 = LunchflowEntry::Processor.new(
+      transaction_data,
+      lunchflow_account: @lunchflow_account
+    ).process
+
+    assert_not_nil result2
+
+    # Should create a DIFFERENT entry (not update the first one)
+    assert_not_equal result1.id, result2.id, "Should create separate entries for distinct pending transactions"
+
+    # Second should have a counter appended to avoid collision
+    assert_match /^lunchflow_pending_[a-f0-9]{32}_\d+$/, result2.external_id
+    assert_not_equal result1.external_id, result2.external_id, "Should generate different external_ids to avoid collision"
+
+    # Verify both transactions exist
+    entries = @account.entries.where(source: "lunchflow", "entries.date": "2025-01-15")
+    assert_equal 2, entries.count, "Should have created 2 separate entries"
+  end
+end