feat: #44 fatura de cartão com data futura fica pendente até confirmação

- Nova tabela pending_bill_imports (migration 016)
- ImportHandler.Confirm: quando is_credit_card=true e payment_date > hoje,
  salva como pending em vez de inserir transações
- Novos endpoints: GET /pending-bills, POST /pending-bills/:id/confirm,
  DELETE /pending-bills/:id
- Dashboard inclui pending_bill_imports no payload
- Frontend: resultado "fatura salva como pendente" no ImportView
- AccountsView exibe widget de faturas pendentes com ações de confirmar/descartar
- dashboard_test: mock de PendingBillRepo + TransactionRepository

Co-Authored-By: Claude Sonnet 4.6 <[email protected]>

apps/api/internal/handler/import.go

@@ -11,12 +11,13 @@ import (
 const maxUploadSize = 10 << 20 // 10 MB
 
 type ImportHandler struct {
-	svc     *service.ImportService
-	gameSvc *service.GameService
+	svc        *service.ImportService
+	gameSvc    *service.GameService
+	pendingSvc *service.PendingBillService
 }
 
-func NewImportHandler(svc *service.ImportService, gameSvc *service.GameService) *ImportHandler {
-	return &ImportHandler{svc: svc, gameSvc: gameSvc}
+func NewImportHandler(svc *service.ImportService, gameSvc *service.GameService, pendingSvc *service.PendingBillService) *ImportHandler {
+	return &ImportHandler{svc: svc, gameSvc: gameSvc, pendingSvc: pendingSvc}
 }
 
 // Preview parses the uploaded file and returns rows with duplicate flags.
@@ -59,11 +60,14 @@ func (h *ImportHandler) Preview(w http.ResponseWriter, r *http.Request) {
 
 // Confirm saves the rows provided in the request body (after user review).
 // POST /api/imports/confirm
+// When is_credit_card=true and payment_date is in the future, saves as pending instead of transactions.
 func (h *ImportHandler) Confirm(w http.ResponseWriter, r *http.Request) {
 	var body struct {
-		Filename      string           `json:"filename"`
+		Filename      string            `json:"filename"`
 		Rows          []model.ImportRow `json:"rows"`
-		ParseErrCount int              `json:"parse_error_count"`
+		ParseErrCount int               `json:"parse_error_count"`
+		IsCreditCard  bool              `json:"is_credit_card"`
+		PaymentDate   string            `json:"payment_date"` // YYYY-MM-DD
 	}
 	if err := json.NewDecoder(r.Body).Decode(&body); err != nil {
 		respondError(w, http.StatusBadRequest, "invalid JSON")
@@ -74,6 +78,24 @@ func (h *ImportHandler) Confirm(w http.ResponseWriter, r *http.Request) {
 		return
 	}
 
+	if body.IsCreditCard && body.PaymentDate != "" {
+		saved, pending, err := h.pendingSvc.MaybeSaveAsPending(r.Context(), body.Filename, body.PaymentDate, body.Rows)
+		if err != nil {
+			respondError(w, http.StatusInternalServerError, "failed to save pending bill")
+			return
+		}
+		if saved {
+			respondJSON(w, http.StatusOK, map[string]any{
+				"pending":      true,
+				"pending_bill": pending,
+				"imported":     0,
+				"duplicates":   len(body.Rows) - len(pending.Rows),
+				"errors":       body.ParseErrCount,
+			})
+			return
+		}
+	}
+
 	result, err := h.svc.Confirm(r.Context(), body.Filename, body.Rows, body.ParseErrCount)
 	if err != nil {
 		respondError(w, http.StatusInternalServerError, "failed to save transactions")

apps/api/internal/handler/pending_bill.go

@@ -0,0 +1,59 @@
+package handler
+
+import (
+	"net/http"
+	"strconv"
+
+	"github.com/go-chi/chi/v5"
+
+	"financeiro-carvalho/internal/service"
+)
+
+type PendingBillHandler struct {
+	svc     *service.PendingBillService
+	gameSvc *service.GameService
+}
+
+func NewPendingBillHandler(svc *service.PendingBillService, gameSvc *service.GameService) *PendingBillHandler {
+	return &PendingBillHandler{svc: svc, gameSvc: gameSvc}
+}
+
+func (h *PendingBillHandler) List(w http.ResponseWriter, r *http.Request) {
+	items, err := h.svc.List(r.Context())
+	if err != nil {
+		respondError(w, http.StatusInternalServerError, "failed to list pending bills")
+		return
+	}
+	respondJSON(w, http.StatusOK, items)
+}
+
+func (h *PendingBillHandler) Confirm(w http.ResponseWriter, r *http.Request) {
+	id, err := strconv.Atoi(chi.URLParam(r, "id"))
+	if err != nil {
+		respondError(w, http.StatusBadRequest, "invalid id")
+		return
+	}
+	if err := h.svc.Confirm(r.Context(), id); err != nil {
+		if err == service.ErrPendingBillNotFound {
+			respondError(w, http.StatusNotFound, "pending bill not found")
+			return
+		}
+		respondError(w, http.StatusInternalServerError, "failed to confirm pending bill")
+		return
+	}
+	h.gameSvc.NotifyAction(r.Context(), "import_confirmed", map[string]any{"count": 1})
+	w.WriteHeader(http.StatusNoContent)
+}
+
+func (h *PendingBillHandler) Discard(w http.ResponseWriter, r *http.Request) {
+	id, err := strconv.Atoi(chi.URLParam(r, "id"))
+	if err != nil {
+		respondError(w, http.StatusBadRequest, "invalid id")
+		return
+	}
+	if err := h.svc.Discard(r.Context(), id); err != nil {
+		respondError(w, http.StatusInternalServerError, "failed to discard pending bill")
+		return
+	}
+	w.WriteHeader(http.StatusNoContent)
+}