X-Git-Url: http://git.freeside.biz/gitweb/?a=blobdiff_plain;f=FS%2FFS%2Fcust_main.pm;h=73bdc14621761551a7e97792916fe9866f67cb8c;hb=74cb9e1c3974d8899bf9745564d0dfce5875454c;hp=febeb13f5354cfdb20d3dd38d79e9e5ed5eb1972;hpb=df4a30e2813c3be288747cd2a5fa2fa3ed15a248;p=freeside.git

diff --git a/FS/FS/cust_main.pm b/FS/FS/cust_main.pm
index febeb13f5..ed16e1b9e 100644
--- a/FS/FS/cust_main.pm
+++ b/FS/FS/cust_main.pm
@@ -1,40 +1,50 @@
 package FS::cust_main;
 
+require 5.006;
 use strict;
 use vars qw( @ISA @EXPORT_OK $DEBUG $me $conf @encrypted_fields
-             $import $skip_fuzzyfiles $ignore_expired_card );
+             $import $skip_fuzzyfiles $ignore_expired_card @paytypes);
 use vars qw( $realtime_bop_decline_quiet ); #ugh
 use Safe;
 use Carp;
 use Exporter;
-BEGIN {
-  eval "use Time::Local;";
-  die "Time::Local minimum version 1.05 required with Perl versions before 5.6"
-    if $] < 5.006 && !defined($Time::Local::VERSION);
-  #eval "use Time::Local qw(timelocal timelocal_nocheck);";
-  eval "use Time::Local qw(timelocal_nocheck);";
-}
+use Scalar::Util qw( blessed );
+use Time::Local qw(timelocal);
+use Data::Dumper;
+use Tie::IxHash;
 use Digest::MD5 qw(md5_base64);
 use Date::Format;
-use Date::Parse;
 #use Date::Manip;
+use File::Temp qw( tempfile );
 use String::Approx qw(amatch);
 use Business::CreditCard 0.28;
 use Locale::Country;
-use FS::UID qw( getotaker dbh );
+use FS::UID qw( getotaker dbh driver_name );
 use FS::Record qw( qsearchs qsearch dbdef );
-use FS::Misc qw( send_email );
+use FS::Misc qw( generate_email send_email generate_ps do_print );
 use FS::Msgcat qw(gettext);
+use FS::payby;
 use FS::cust_pkg;
 use FS::cust_svc;
 use FS::cust_bill;
 use FS::cust_bill_pkg;
+use FS::cust_bill_pkg_display;
+use FS::cust_bill_pkg_tax_location;
+use FS::cust_bill_pkg_tax_rate_location;
 use FS::cust_pay;
+use FS::cust_pay_pending;
 use FS::cust_pay_void;
+use FS::cust_pay_batch;
 use FS::cust_credit;
 use FS::cust_refund;
 use FS::part_referral;
 use FS::cust_main_county;
+use FS::cust_location;
+use FS::cust_main_exemption;
+use FS::tax_rate;
+use FS::tax_rate_location;
+use FS::cust_tax_location;
+use FS::part_pkg_taxrate;
 use FS::agent;
 use FS::cust_main_invoice;
 use FS::cust_credit_bill;
@@ -42,16 +52,17 @@ use FS::cust_bill_pay;
 use FS::prepay_credit;
 use FS::queue;
 use FS::part_pkg;
-use FS::part_bill_event qw(due_events);
-use FS::cust_bill_event;
-use FS::cust_tax_exempt;
-use FS::cust_tax_exempt_pkg;
+use FS::part_event;
+use FS::part_event_condition;
+#use FS::cust_event;
 use FS::type_pkgs;
 use FS::payment_gateway;
 use FS::agent_payment_gateway;
 use FS::banned_pay;
+use FS::payinfo_Mixin;
+use FS::TicketSystem;
 
-@ISA = qw( FS::Record );
+@ISA = qw( FS::payinfo_Mixin FS::Record );
 
 @EXPORT_OK = qw( smart_search );
 
@@ -68,6 +79,9 @@ $skip_fuzzyfiles = 0;
 $ignore_expired_card = 0;
 
 @encrypted_fields = ('payinfo', 'paycvv');
+sub nohistory_fields { ('paycvv'); }
+
+@paytypes = ('', 'Personal checking', 'Personal savings', 'Business checking', 'Business savings');
 
 #ask FS::UID to run this stuff for us later
 #$FS::UID::callback{'FS::cust_main'} = sub { 
@@ -129,163 +143,181 @@ FS::Record.  The following fields are currently supported:
 
 =over 4
 
-=item custnum - primary key (assigned automatically for new customers)
+=item custnum
+
+Primary key (assigned automatically for new customers)
+
+=item agentnum
+
+Agent (see L<FS::agent>)
+
+=item refnum
+
+Advertising source (see L<FS::part_referral>)
+
+=item first
 
-=item agentnum - agent (see L<FS::agent>)
+First name
 
-=item refnum - Advertising source (see L<FS::part_referral>)
+=item last
 
-=item first - name
+Last name
 
-=item last - name
+=item ss
 
-=item ss - social security number (optional)
+Cocial security number (optional)
 
-=item company - (optional)
+=item company
+
+(optional)
 
 =item address1
 
-=item address2 - (optional)
+=item address2
+
+(optional)
 
 =item city
 
-=item county - (optional, see L<FS::cust_main_county>)
+=item county
+
+(optional, see L<FS::cust_main_county>)
+
+=item state
 
-=item state - (see L<FS::cust_main_county>)
+(see L<FS::cust_main_county>)
 
 =item zip
 
-=item country - (see L<FS::cust_main_county>)
+=item country
+
+(see L<FS::cust_main_county>)
+
+=item daytime
+
+phone (optional)
+
+=item night
 
-=item daytime - phone (optional)
+phone (optional)
 
-=item night - phone (optional)
+=item fax
 
-=item fax - phone (optional)
+phone (optional)
 
-=item ship_first - name
+=item ship_first
 
-=item ship_last - name
+Shipping first name
 
-=item ship_company - (optional)
+=item ship_last
+
+Shipping last name
+
+=item ship_company
+
+(optional)
 
 =item ship_address1
 
-=item ship_address2 - (optional)
+=item ship_address2
+
+(optional)
 
 =item ship_city
 
-=item ship_county - (optional, see L<FS::cust_main_county>)
+=item ship_county
 
-=item ship_state - (see L<FS::cust_main_county>)
+(optional, see L<FS::cust_main_county>)
+
+=item ship_state
+
+(see L<FS::cust_main_county>)
 
 =item ship_zip
 
-=item ship_country - (see L<FS::cust_main_county>)
+=item ship_country
 
-=item ship_daytime - phone (optional)
+(see L<FS::cust_main_county>)
 
-=item ship_night - phone (optional)
+=item ship_daytime
 
-=item ship_fax - phone (optional)
+phone (optional)
 
-=item payby 
+=item ship_night
 
-I<CARD> (credit card - automatic), I<DCRD> (credit card - on-demand), I<CHEK> (electronic check - automatic), I<DCHK> (electronic check - on-demand), I<LECB> (Phone bill billing), I<BILL> (billing), I<COMP> (free), or I<PREPAY> (special billing type: applies a credit - see L<FS::prepay_credit> and sets billing type to I<BILL>)
+phone (optional)
 
-=item payinfo 
+=item ship_fax
 
-Card Number, P.O., comp issuer (4-8 lowercase alphanumerics; think username) or prepayment identifier (see L<FS::prepay_credit>)
+phone (optional)
 
-=cut 
+=item payby
 
-sub payinfo {
-  my($self,$payinfo) = @_;
-  if ( defined($payinfo) ) {
-    $self->paymask($payinfo);
-    $self->setfield('payinfo', $payinfo); # This is okay since we are the 'setter'
-  } else {
-    $payinfo = $self->getfield('payinfo'); # This is okay since we are the 'getter'
-    return $payinfo;
-  }
-}
+Payment Type (See L<FS::payinfo_Mixin> for valid payby values)
+
+=item payinfo
+
+Payment Information (See L<FS::payinfo_Mixin> for data format)
+
+=item paymask
 
+Masked payinfo (See L<FS::payinfo_Mixin> for how this works)
 
 =item paycvv
- 
+
 Card Verification Value, "CVV2" (also known as CVC2 or CID), the 3 or 4 digit number on the back (or front, for American Express) of the credit card
 
-=cut
+=item paydate
 
-=item paymask - Masked payment type
+Expiration date, mm/yyyy, m/yyyy, mm/yy or m/yy
 
-=over 4 
+=item paystart_month
 
-=item Credit Cards
+Start date month (maestro/solo cards only)
 
-Mask all but the last four characters.
+=item paystart_year
 
-=item Checks
+Start date year (maestro/solo cards only)
 
-Mask all but last 2 of account number and bank routing number.
+=item payissue
 
-=item Others
+Issue number (maestro/solo cards only)
 
-Do nothing, return the unmasked string.
+=item payname
 
-=back
+Name on card or billing name
 
-=cut 
+=item payip
 
-sub paymask {
-  my($self,$value)=@_;
+IP address from which payment information was received
 
-  # If it doesn't exist then generate it
-  my $paymask=$self->getfield('paymask');
-  if (!defined($value) && (!defined($paymask) || $paymask eq '')) {
-    $value = $self->payinfo;
-  }
+=item tax
 
-  if ( defined($value) && !$self->is_encrypted($value)) {
-    my $payinfo = $value;
-    my $payby = $self->payby;
-    if ($payby eq 'CARD' || $payby eq 'DCRD') { # Credit Cards (Show last four)
-      $paymask = 'x'x(length($payinfo)-4). substr($payinfo,(length($payinfo)-4));
-    } elsif ($payby eq 'CHEK' ||
-             $payby eq 'DCHK' ) { # Checks (Show last 2 @ bank)
-      my( $account, $aba ) = split('@', $payinfo );
-      $paymask = 'x'x(length($account)-2). substr($account,(length($account)-2))."@".$aba;
-    } else { # Tie up loose ends
-      $paymask = $payinfo;
-    }
-    $self->setfield('paymask', $paymask); # This is okay since we are the 'setter'
-  } elsif (defined($value) && $self->is_encrypted($value)) {
-    $paymask = 'N/A';
-  }
-  return $paymask;
-}
+Tax exempt, empty or `Y'
 
-=item paydate - expiration date, mm/yyyy, m/yyyy, mm/yy or m/yy
+=item otaker
 
-=item paystart_month - start date month (maestro/solo cards only)
+Order taker (assigned automatically, see L<FS::UID>)
 
-=item paystart_year - start date year (maestro/solo cards only)
+=item comments
 
-=item payissue - issue number (maestro/solo cards only)
+Comments (optional)
 
-=item payname - name on card or billing name
+=item referral_custnum
 
-=item payip - IP address from which payment information was received
+Referring customer number
 
-=item tax - tax exempt, empty or `Y'
+=item spool_cdr
 
-=item otaker - order taker (assigned automatically, see L<FS::UID>)
+Enable individual CDR spooling, empty or `Y'
 
-=item comments - comments (optional)
+=item dundate
 
-=item referral_custnum - referring customer number
+A suggestion to events (see L<FS::part_bill_event">) to delay until this unix timestamp
 
-=item spool_cdr - Enable individual CDR spooling, empty or `Y'
+=item squelch_cdr
+
+Discourage individual CDR printing, empty or `Y'
 
 =back
 
@@ -332,7 +364,7 @@ invoicing_list destination to the newly-created svc_acct.  Here's an example:
 
   $cust_main->insert( {}, [ $email, 'POST' ] );
 
-Currently available options are: I<depend_jobnum> and I<noexport>.
+Currently available options are: I<depend_jobnum>, I<noexport> and I<tax_exemption>.
 
 If I<depend_jobnum> is set, all provisioning jobs will have a dependancy
 on the supplied jobnum (they will not run until the specific job completes).
@@ -343,6 +375,9 @@ The I<noexport> option is deprecated.  If I<noexport> is set true, no
 provisioning jobs (exports) are scheduled.  (You can schedule them later with
 the B<reexport> method.)
 
+The I<tax_exemption> option can be set to an arrayref of tax names.
+FS::cust_main_exemption records will be created and inserted.
+
 =cut
 
 sub insert {
@@ -366,7 +401,7 @@ sub insert {
   my $dbh = dbh;
 
   my $prepay_identifier = '';
-  my( $amount, $seconds ) = ( 0, 0 );
+  my( $amount, $seconds, $upbytes, $downbytes, $totalbytes ) = (0, 0, 0, 0, 0);
   my $payby = '';
   if ( $self->payby eq 'PREPAY' ) {
 
@@ -377,7 +412,13 @@ sub insert {
     warn "  looking up prepaid card $prepay_identifier\n"
       if $DEBUG > 1;
 
-    my $error = $self->get_prepay($prepay_identifier, \$amount, \$seconds);
+    my $error = $self->get_prepay( $prepay_identifier,
+                                   'amount_ref'     => \$amount,
+                                   'seconds_ref'    => \$seconds,
+                                   'upbytes_ref'    => \$upbytes,
+                                   'downbytes_ref'  => \$downbytes,
+                                   'totalbytes_ref' => \$totalbytes,
+                                 );
     if ( $error ) {
       $dbh->rollback if $oldAutoCommit;
       #return "error applying prepaid card (transaction rolled back): $error";
@@ -399,6 +440,9 @@ sub insert {
 
   $self->signupdate(time) unless $self->signupdate;
 
+  $self->auto_agent_custid()
+    if $conf->config('cust_main-auto_agent_custid') && ! $self->agent_custid;
+
   my $error = $self->SUPER::insert;
   if ( $error ) {
     $dbh->rollback if $oldAutoCommit;
@@ -413,11 +457,30 @@ sub insert {
     $error = $self->check_invoicing_list( $invoicing_list );
     if ( $error ) {
       $dbh->rollback if $oldAutoCommit;
-      return "checking invoicing_list (transaction rolled back): $error";
+      #return "checking invoicing_list (transaction rolled back): $error";
+      return $error;
     }
     $self->invoicing_list( $invoicing_list );
   }
 
+  warn "  setting cust_main_exemption\n"
+    if $DEBUG > 1;
+
+  my $tax_exemption = delete $options{'tax_exemption'};
+  if ( $tax_exemption ) {
+    foreach my $taxname ( @$tax_exemption ) {
+      my $cust_main_exemption = new FS::cust_main_exemption {
+        'custnum' => $self->custnum,
+        'taxname' => $taxname,
+      };
+      my $error = $cust_main_exemption->insert;
+      if ( $error ) {
+        $dbh->rollback if $oldAutoCommit;
+        return "inserting cust_main_exemption (transaction rolled back): $error";
+      }
+    }
+  }
+
   if (    $conf->config('cust_main-skeleton_tables')
        && $conf->config('cust_main-skeleton_custnum') ) {
 
@@ -435,7 +498,13 @@ sub insert {
   warn "  ordering packages\n"
     if $DEBUG > 1;
 
-  $error = $self->order_pkgs($cust_pkgs, \$seconds, %options);
+  $error = $self->order_pkgs( $cust_pkgs,
+                              %options,
+                              'seconds_ref'    => \$seconds,
+                              'upbytes_ref'    => \$upbytes,
+                              'downbytes_ref'  => \$downbytes,
+                              'totalbytes_ref' => \$totalbytes,
+                            );
   if ( $error ) {
     $dbh->rollback if $oldAutoCommit;
     return $error;
@@ -445,6 +514,10 @@ sub insert {
     $dbh->rollback if $oldAutoCommit;
     return "No svc_acct record to apply pre-paid time";
   }
+  if ( $upbytes || $downbytes || $totalbytes ) {
+    $dbh->rollback if $oldAutoCommit;
+    return "No svc_acct record to apply pre-paid data";
+  }
 
   if ( $amount ) {
     warn "  inserting initial $payby payment of $amount\n"
@@ -474,6 +547,35 @@ sub insert {
 
 }
 
+use File::CounterFile;
+sub auto_agent_custid {
+  my $self = shift;
+
+  my $format = $conf->config('cust_main-auto_agent_custid');
+  my $agent_custid;
+  if ( $format eq '1YMMXXXXXXXX' ) {
+
+    my $counter = new File::CounterFile 'cust_main.agent_custid';
+    $counter->lock;
+
+    my $ym = 100000000000 + time2str('%y%m00000000', time);
+    if ( $ym > $counter->value ) {
+      $counter->{'value'} = $agent_custid = $ym;
+      $counter->{'updated'} = 1;
+    } else {
+      $agent_custid = $counter->inc;
+    }
+
+    $counter->unlock;
+
+  } else {
+    die "Unknown cust_main-auto_agent_custid format: $format";
+  }
+
+  $self->agent_custid($agent_custid);
+
+}
+
 sub start_copy_skel {
   my $self = shift;
 
@@ -482,7 +584,7 @@ sub start_copy_skel {
   #'mg_watchlist_header.watchlist_header_id' => { 'mg_watchlist_details.watchlist_details_id' },
   #'mg_user_grid_header.grid_header_id' => { 'mg_user_grid_details.user_grid_details_id' },
   #'mg_portfolio_header.portfolio_header_id' => { 'mg_portfolio_trades.portfolio_trades_id' => { 'mg_portfolio_trades_positions.portfolio_trades_positions_id' } },
-  my @tables = eval($conf->config_binary('cust_main-skeleton_tables'));
+  my @tables = eval(join('\n',$conf->config('cust_main-skeleton_tables')));
   die $@ if $@;
 
   _copy_skel( 'cust_main',                                 #tablename
@@ -601,12 +703,129 @@ sub _copy_skel {
 
 }
 
-=item order_pkgs HASHREF, [ SECONDSREF, [ , OPTION => VALUE ... ] ]
+=item order_pkg HASHREF | OPTION => VALUE ... 
+
+Orders a single package.
+
+Options may be passed as a list of key/value pairs or as a hash reference.
+Options are:
+
+=over 4
+
+=item cust_pkg
+
+FS::cust_pkg object
+
+=item cust_location
+
+Optional FS::cust_location object
+
+=item svcs
+
+Optional arryaref of FS::svc_* service objects.
+
+=item depend_jobnum
+
+If this option is set to a job queue jobnum (see L<FS::queue>), all provisioning
+jobs will have a dependancy on the supplied job (they will not run until the
+specific job completes).  This can be used to defer provisioning until some
+action completes (such as running the customer's credit card successfully).
+
+=item ticket_subject
+
+Optional subject for a ticket created and attached to this customer
+
+=item ticket_subject
+
+Optional queue name for ticket additions
+
+=back
+
+=cut
+
+sub order_pkg {
+  my $self = shift;
+  my $opt = ref($_[0]) ? shift : { @_ };
+
+  warn "$me order_pkg called with options ".
+       join(', ', map { "$_: $opt->{$_}" } keys %$opt ). "\n"
+    if $DEBUG;
+
+  my $cust_pkg = $opt->{'cust_pkg'};
+  my $svcs     = $opt->{'svcs'} || [];
+
+  my %svc_options = ();
+  $svc_options{'depend_jobnum'} = $opt->{'depend_jobnum'}
+    if exists($opt->{'depend_jobnum'}) && $opt->{'depend_jobnum'};
+
+  my %insert_params = map { $opt->{$_} ? ( $_ => $opt->{$_} ) : () }
+                          qw( ticket_subject ticket_queue );
+
+  local $SIG{HUP} = 'IGNORE';
+  local $SIG{INT} = 'IGNORE';
+  local $SIG{QUIT} = 'IGNORE';
+  local $SIG{TERM} = 'IGNORE';
+  local $SIG{TSTP} = 'IGNORE';
+  local $SIG{PIPE} = 'IGNORE';
+
+  my $oldAutoCommit = $FS::UID::AutoCommit;
+  local $FS::UID::AutoCommit = 0;
+  my $dbh = dbh;
+
+  if ( $opt->{'cust_location'} &&
+       ( ! $cust_pkg->locationnum || $cust_pkg->locationnum == -1 ) ) {
+    my $error = $opt->{'cust_location'}->insert;
+    if ( $error ) {
+      $dbh->rollback if $oldAutoCommit;
+      return "inserting cust_location (transaction rolled back): $error";
+    }
+    $cust_pkg->locationnum($opt->{'cust_location'}->locationnum);
+  }
+
+  $cust_pkg->custnum( $self->custnum );
+
+  my $error = $cust_pkg->insert( %insert_params );
+  if ( $error ) {
+    $dbh->rollback if $oldAutoCommit;
+    return "inserting cust_pkg (transaction rolled back): $error";
+  }
+
+  foreach my $svc_something ( @{ $opt->{'svcs'} } ) {
+    if ( $svc_something->svcnum ) {
+      my $old_cust_svc = $svc_something->cust_svc;
+      my $new_cust_svc = new FS::cust_svc { $old_cust_svc->hash };
+      $new_cust_svc->pkgnum( $cust_pkg->pkgnum);
+      $error = $new_cust_svc->replace($old_cust_svc);
+    } else {
+      $svc_something->pkgnum( $cust_pkg->pkgnum );
+      if ( $svc_something->isa('FS::svc_acct') ) {
+        foreach ( grep { $opt->{$_.'_ref'} && ${ $opt->{$_.'_ref'} } }
+                       qw( seconds upbytes downbytes totalbytes )      ) {
+          $svc_something->$_( $svc_something->$_() + ${ $opt->{$_.'_ref'} } );
+          ${ $opt->{$_.'_ref'} } = 0;
+        }
+      }
+      $error = $svc_something->insert(%svc_options);
+    }
+    if ( $error ) {
+      $dbh->rollback if $oldAutoCommit;
+      return "inserting svc_ (transaction rolled back): $error";
+    }
+  }
+
+  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
+  ''; #no error
+
+}
+
+#deprecated #=item order_pkgs HASHREF [ , SECONDSREF ] [ , OPTION => VALUE ... ]
+=item order_pkgs HASHREF [ , OPTION => VALUE ... ]
 
-Like the insert method on an existing record, this method orders a package
-and included services atomicaly.  Pass a Tie::RefHash data structure to this
-method containing FS::cust_pkg and FS::svc_I<tablename> objects.  There should
-be a better explanation of this, but until then, here's an example:
+Like the insert method on an existing record, this method orders multiple
+packages and included services atomicaly.  Pass a Tie::RefHash data structure
+to this method containing FS::cust_pkg and FS::svc_I<tablename> objects.
+There should be a better explanation of this, but until then, here's an
+example:
 
   use Tie::RefHash;
   tie %hash, 'Tie::RefHash'; #this part is important
@@ -614,12 +833,13 @@ be a better explanation of this, but until then, here's an example:
     $cust_pkg => [ $svc_acct ],
     ...
   );
-  $cust_main->order_pkgs( \%hash, \'0', 'noexport'=>1 );
+  $cust_main->order_pkgs( \%hash, 'noexport'=>1 );
 
 Services can be new, in which case they are inserted, or existing unaudited
 services, in which case they are linked to the newly-created package.
 
-Currently available options are: I<depend_jobnum> and I<noexport>.
+Currently available options are: I<depend_jobnum>, I<noexport>, I<seconds_ref>,
+I<upbytes_ref>, I<downbytes_ref>, and I<totalbytes_ref>.
 
 If I<depend_jobnum> is set, all provisioning jobs will have a dependancy
 on the supplied jobnum (they will not run until the specific job completes).
@@ -632,16 +852,19 @@ the B<reexport> method for each cust_pkg object.  Using the B<reexport> method
 on the cust_main object is not recommended, as existing services will also be
 reexported.)
 
+If I<seconds_ref>, I<upbytes_ref>, I<downbytes_ref>, or I<totalbytes_ref> is
+provided, the scalars (provided by references) will be incremented by the
+values of the prepaid card.`
+
 =cut
 
 sub order_pkgs {
   my $self = shift;
   my $cust_pkgs = shift;
-  my $seconds = shift;
+  my $seconds_ref = ref($_[0]) ? shift : ''; #deprecated
   my %options = @_;
-  my %svc_options = ();
-  $svc_options{'depend_jobnum'} = $options{'depend_jobnum'}
-    if exists $options{'depend_jobnum'};
+  $seconds_ref ||= $options{'seconds_ref'};
+
   warn "$me order_pkgs called with options ".
        join(', ', map { "$_: $options{$_}" } keys %options ). "\n"
     if $DEBUG;
@@ -660,53 +883,44 @@ sub order_pkgs {
   local $FS::svc_Common::noexport_hack = 1 if $options{'noexport'};
 
   foreach my $cust_pkg ( keys %$cust_pkgs ) {
-    $cust_pkg->custnum( $self->custnum );
-    my $error = $cust_pkg->insert;
+
+    my $error = $self->order_pkg(
+      'cust_pkg'     => $cust_pkg,
+      'svcs'         => $cust_pkgs->{$cust_pkg},
+      'seconds_ref'  => $seconds_ref,
+      map { $_ => $options{$_} } qw( upbytes_ref downbytes_ref totalbytes_ref
+                                     depend_jobnum
+                                   )
+    );
     if ( $error ) {
       $dbh->rollback if $oldAutoCommit;
-      return "inserting cust_pkg (transaction rolled back): $error";
-    }
-    foreach my $svc_something ( @{$cust_pkgs->{$cust_pkg}} ) {
-      if ( $svc_something->svcnum ) {
-        my $old_cust_svc = $svc_something->cust_svc;
-        my $new_cust_svc = new FS::cust_svc { $old_cust_svc->hash };
-        $new_cust_svc->pkgnum( $cust_pkg->pkgnum);
-        $error = $new_cust_svc->replace($old_cust_svc);
-      } else {
-        $svc_something->pkgnum( $cust_pkg->pkgnum );
-        if ( $seconds && $$seconds && $svc_something->isa('FS::svc_acct') ) {
-          $svc_something->seconds( $svc_something->seconds + $$seconds );
-          $$seconds = 0;
-        }
-        $error = $svc_something->insert(%svc_options);
-      }
-      if ( $error ) {
-        $dbh->rollback if $oldAutoCommit;
-        #return "inserting svc_ (transaction rolled back): $error";
-        return $error;
-      }
+      return $error;
     }
+
   }
 
   $dbh->commit or die $dbh->errstr if $oldAutoCommit;
   ''; #no error
 }
 
-=item recharge_prepay IDENTIFIER | PREPAY_CREDIT_OBJ [ , AMOUNTREF, SECONDSREF ]
+=item recharge_prepay IDENTIFIER | PREPAY_CREDIT_OBJ [ , AMOUNTREF, SECONDSREF, UPBYTEREF, DOWNBYTEREF ]
 
 Recharges this (existing) customer with the specified prepaid card (see
 L<FS::prepay_credit>), specified either by I<identifier> or as an
 FS::prepay_credit object.  If there is an error, returns the error, otherwise
 returns false.
 
-Optionally, two scalar references can be passed as well.  They will have their
-values filled in with the amount and number of seconds applied by this prepaid
-card.
+Optionally, five scalar references can be passed as well.  They will have their
+values filled in with the amount, number of seconds, and number of upload,
+download, and total bytes applied by this prepaid card.
 
 =cut
 
+#the ref bullshit here should be refactored like get_prepay.  MyAccount.pm is
+#the only place that uses these args
 sub recharge_prepay { 
-  my( $self, $prepay_credit, $amountref, $secondsref ) = @_;
+  my( $self, $prepay_credit, $amountref, $secondsref, 
+      $upbytesref, $downbytesref, $totalbytesref ) = @_;
 
   local $SIG{HUP} = 'IGNORE';
   local $SIG{INT} = 'IGNORE';
@@ -719,10 +933,19 @@ sub recharge_prepay {
   local $FS::UID::AutoCommit = 0;
   my $dbh = dbh;
 
-  my( $amount, $seconds ) = ( 0, 0 );
+  my( $amount, $seconds, $upbytes, $downbytes, $totalbytes) = ( 0, 0, 0, 0, 0 );
 
-  my $error = $self->get_prepay($prepay_credit, \$amount, \$seconds)
+  my $error = $self->get_prepay( $prepay_credit,
+                                 'amount_ref'     => \$amount,
+                                 'seconds_ref'    => \$seconds,
+                                 'upbytes_ref'    => \$upbytes,
+                                 'downbytes_ref'  => \$downbytes,
+                                 'totalbytes_ref' => \$totalbytes,
+                               )
            || $self->increment_seconds($seconds)
+           || $self->increment_upbytes($upbytes)
+           || $self->increment_downbytes($downbytes)
+           || $self->increment_totalbytes($totalbytes)
            || $self->insert_cust_pay_prepay( $amount,
                                              ref($prepay_credit)
                                                ? $prepay_credit->identifier
@@ -736,19 +959,22 @@ sub recharge_prepay {
 
   if ( defined($amountref)  ) { $$amountref  = $amount;  }
   if ( defined($secondsref) ) { $$secondsref = $seconds; }
+  if ( defined($upbytesref) ) { $$upbytesref = $upbytes; }
+  if ( defined($downbytesref) ) { $$downbytesref = $downbytes; }
+  if ( defined($totalbytesref) ) { $$totalbytesref = $totalbytes; }
 
   $dbh->commit or die $dbh->errstr if $oldAutoCommit;
   '';
 
 }
 
-=item get_prepay IDENTIFIER | PREPAY_CREDIT_OBJ , AMOUNTREF, SECONDSREF
+=item get_prepay IDENTIFIER | PREPAY_CREDIT_OBJ [ , OPTION => VALUE ... ]
 
 Looks up and deletes a prepaid card (see L<FS::prepay_credit>),
 specified either by I<identifier> or as an FS::prepay_credit object.
 
-References to I<amount> and I<seconds> scalars should be passed as arguments
-and will be incremented by the values of the prepaid card.
+Available options are: I<amount_ref>, I<seconds_ref>, I<upbytes_ref>, I<downbytes_ref>, and I<totalbytes_ref>.  The scalars (provided by references) will be
+incremented by the values of the prepaid card.
 
 If the prepaid card specifies an I<agentnum> (see L<FS::agent>), it is used to
 check or set this customer's I<agentnum>.
@@ -759,7 +985,7 @@ If there is an error, returns the error, otherwise returns false.
 
 
 sub get_prepay {
-  my( $self, $prepay_credit, $amountref, $secondsref ) = @_;
+  my( $self, $prepay_credit, %opt ) = @_;
 
   local $SIG{HUP} = 'IGNORE';
   local $SIG{INT} = 'IGNORE';
@@ -804,14 +1030,50 @@ sub get_prepay {
     return "removing prepay_credit (transaction rolled back): $error";
   }
 
-  $$amountref  += $prepay_credit->amount;
-  $$secondsref += $prepay_credit->seconds;
+  ${ $opt{$_.'_ref'} } += $prepay_credit->$_()
+    for grep $opt{$_.'_ref'}, qw( amount seconds upbytes downbytes totalbytes );
 
   $dbh->commit or die $dbh->errstr if $oldAutoCommit;
   '';
 
 }
 
+=item increment_upbytes SECONDS
+
+Updates this customer's single or primary account (see L<FS::svc_acct>) by
+the specified number of upbytes.  If there is an error, returns the error,
+otherwise returns false.
+
+=cut
+
+sub increment_upbytes {
+  _increment_column( shift, 'upbytes', @_);
+}
+
+=item increment_downbytes SECONDS
+
+Updates this customer's single or primary account (see L<FS::svc_acct>) by
+the specified number of downbytes.  If there is an error, returns the error,
+otherwise returns false.
+
+=cut
+
+sub increment_downbytes {
+  _increment_column( shift, 'downbytes', @_);
+}
+
+=item increment_totalbytes SECONDS
+
+Updates this customer's single or primary account (see L<FS::svc_acct>) by
+the specified number of totalbytes.  If there is an error, returns the error,
+otherwise returns false.
+
+=cut
+
+sub increment_totalbytes {
+  _increment_column( shift, 'totalbytes', @_);
+}
+
 =item increment_seconds SECONDS
 
 Updates this customer's single or primary account (see L<FS::svc_acct>) by
@@ -821,10 +1083,24 @@ otherwise returns false.
 =cut
 
 sub increment_seconds {
-  my( $self, $seconds ) = @_;
-  warn "$me increment_seconds called: $seconds seconds\n"
+  _increment_column( shift, 'seconds', @_);
+}
+
+=item _increment_column AMOUNT
+
+Updates this customer's single or primary account (see L<FS::svc_acct>) by
+the specified number of seconds or bytes.  If there is an error, returns
+the error, otherwise returns false.
+
+=cut
+
+sub _increment_column {
+  my( $self, $column, $amount ) = @_;
+  warn "$me increment_column called: $column, $amount\n"
     if $DEBUG;
 
+  return '' unless $amount;
+
   my @cust_pkg = grep { $_->part_pkg->svcpart('svc_acct') }
                       $self->ncancelled_pkgs;
 
@@ -854,7 +1130,8 @@ sub increment_seconds {
        ' ('. $svc_acct->email. ")\n"
     if $DEBUG > 1;
 
-  $svc_acct->increment_seconds($seconds);
+  $column = "increment_$column";
+  $svc_acct->$column($amount);
 
 }
 
@@ -1012,7 +1289,9 @@ sub delete {
       my %hash = $cust_pkg->hash;
       $hash{'custnum'} = $new_custnum;
       my $new_cust_pkg = new FS::cust_pkg ( \%hash );
-      my $error = $new_cust_pkg->replace($cust_pkg);
+      my $error = $new_cust_pkg->replace($cust_pkg,
+                                         options => { $cust_pkg->options },
+                                        );
       if ( $error ) {
         $dbh->rollback if $oldAutoCommit;
         return $error;
@@ -1038,6 +1317,16 @@ sub delete {
     }
   }
 
+  foreach my $cust_main_exemption (
+    qsearch( 'cust_main_exemption', { 'custnum' => $self->custnum } )
+  ) {
+    my $error = $cust_main_exemption->delete;
+    if ( $error ) {
+      $dbh->rollback if $oldAutoCommit;
+      return $error;
+    }
+  }
+
   my $error = $self->SUPER::delete;
   if ( $error ) {
     $dbh->rollback if $oldAutoCommit;
@@ -1049,7 +1338,8 @@ sub delete {
 
 }
 
-=item replace OLD_RECORD [ INVOICING_LIST_ARYREF ]
+=item replace [ OLD_RECORD ] [ INVOICING_LIST_ARYREF ] [ , OPTION => VALUE ... ] ]
+
 
 Replaces the OLD_RECORD with this one in the database.  If there is an error,
 returns the error, otherwise returns false.
@@ -1061,31 +1351,24 @@ check_invoicing_list first.  Here's an example:
 
   $new_cust_main->replace( $old_cust_main, [ $email, 'POST' ] );
 
+Currently available options are: I<tax_exemption>.
+
+The I<tax_exemption> option can be set to an arrayref of tax names.
+FS::cust_main_exemption records will be deleted and inserted as appropriate.
+
 =cut
 
 sub replace {
   my $self = shift;
-  my $old = shift;
-  my @param = @_;
-  warn "$me replace called\n"
-    if $DEBUG;
 
-  local $SIG{HUP} = 'IGNORE';
-  local $SIG{INT} = 'IGNORE';
-  local $SIG{QUIT} = 'IGNORE';
-  local $SIG{TERM} = 'IGNORE';
-  local $SIG{TSTP} = 'IGNORE';
-  local $SIG{PIPE} = 'IGNORE';
+  my $old = ( blessed($_[0]) && $_[0]->isa('FS::Record') )
+              ? shift
+              : $self->replace_old;
 
-  # If the mask is blank then try to set it - if we can...
-  if (!defined($self->getfield('paymask')) || $self->getfield('paymask') eq '') {
-    $self->paymask($self->payinfo);
-  }
+  my @param = @_;
 
-  # We absolutely have to have an old vs. new record to make this work.
-  if (!defined($old)) {
-    $old = qsearchs( 'cust_main', { 'custnum' => $self->custnum } );
-  }
+  warn "$me replace called\n"
+    if $DEBUG;
 
   my $curuser = $FS::CurrentUser::CurrentUser;
   if (    $self->payby eq 'COMP'
@@ -1099,7 +1382,14 @@ sub replace {
   local($ignore_expired_card) = 1
     if $old->payby  =~ /^(CARD|DCRD)$/
     && $self->payby =~ /^(CARD|DCRD)$/
-    && $old->payinfo eq $self->payinfo;
+    && ( $old->payinfo eq $self->payinfo || $old->paymask eq $self->paymask );
+
+  local $SIG{HUP} = 'IGNORE';
+  local $SIG{INT} = 'IGNORE';
+  local $SIG{QUIT} = 'IGNORE';
+  local $SIG{TERM} = 'IGNORE';
+  local $SIG{TSTP} = 'IGNORE';
+  local $SIG{PIPE} = 'IGNORE';
 
   my $oldAutoCommit = $FS::UID::AutoCommit;
   local $FS::UID::AutoCommit = 0;
@@ -1112,7 +1402,7 @@ sub replace {
     return $error;
   }
 
-  if ( @param ) { # INVOICING_LIST_ARYREF
+  if ( @param && ref($param[0]) eq 'ARRAY' ) { # INVOICING_LIST_ARYREF
     my $invoicing_list = shift @param;
     $error = $self->check_invoicing_list( $invoicing_list );
     if ( $error ) {
@@ -1122,6 +1412,40 @@ sub replace {
     $self->invoicing_list( $invoicing_list );
   }
 
+  my %options = @param;
+
+  my $tax_exemption = delete $options{'tax_exemption'};
+  if ( $tax_exemption ) {
+
+    my %cust_main_exemption =
+      map { $_->taxname => $_ }
+          qsearch('cust_main_exemption', { 'custnum' => $old->custnum } );
+
+    foreach my $taxname ( @$tax_exemption ) {
+
+      next if delete $cust_main_exemption{$taxname};
+
+      my $cust_main_exemption = new FS::cust_main_exemption {
+        'custnum' => $self->custnum,
+        'taxname' => $taxname,
+      };
+      my $error = $cust_main_exemption->insert;
+      if ( $error ) {
+        $dbh->rollback if $oldAutoCommit;
+        return "inserting cust_main_exemption (transaction rolled back): $error";
+      }
+    }
+
+    foreach my $cust_main_exemption ( values %cust_main_exemption ) {
+      my $error = $cust_main_exemption->delete;
+      if ( $error ) {
+        $dbh->rollback if $oldAutoCommit;
+        return "deleting cust_main_exemption (transaction rolled back): $error";
+      }
+    }
+
+  }
+
   if ( $self->payby =~ /^(CARD|CHEK|LECB)$/ &&
        grep { $self->get($_) ne $old->get($_) } qw(payinfo paydate payname) ) {
     # card/check/lec info has changed, want to retry realtime_ invoice events
@@ -1209,6 +1533,7 @@ sub check {
     || $self->ut_number('agentnum')
     || $self->ut_textn('agent_custid')
     || $self->ut_number('refnum')
+    || $self->ut_textn('custbatch')
     || $self->ut_name('last')
     || $self->ut_name('first')
     || $self->ut_snumbern('birthdate')
@@ -1222,7 +1547,12 @@ sub check {
     || $self->ut_country('country')
     || $self->ut_anything('comments')
     || $self->ut_numbern('referral_custnum')
+    || $self->ut_textn('stateid')
+    || $self->ut_textn('stateid_state')
+    || $self->ut_textn('invoice_terms')
+    || $self->ut_alphan('geocode')
   ;
+
   #barf.  need message catalogs.  i18n.  etc.
   $error .= "Please select an advertising source."
     if $error =~ /^Illegal or empty \(numeric\) refnum: /;
@@ -1273,66 +1603,87 @@ sub check {
   ;
   return $error if $error;
 
-  my @addfields = qw(
-    last first company address1 address2 city county state zip
-    country daytime night fax
-  );
+  if ( $conf->exists('cust_main-require_phone')
+       && ! length($self->daytime) && ! length($self->night)
+     ) {
 
-  if ( defined $self->dbdef_table->column('ship_last') ) {
-    if ( scalar ( grep { $self->getfield($_) ne $self->getfield("ship_$_") }
-                       @addfields )
-         && scalar ( grep { $self->getfield("ship_$_") ne '' } @addfields )
-       )
-    {
-      my $error =
-        $self->ut_name('ship_last')
-        || $self->ut_name('ship_first')
-        || $self->ut_textn('ship_company')
-        || $self->ut_text('ship_address1')
-        || $self->ut_textn('ship_address2')
-        || $self->ut_text('ship_city')
-        || $self->ut_textn('ship_county')
-        || $self->ut_textn('ship_state')
-        || $self->ut_country('ship_country')
-      ;
-      return $error if $error;
+    my $daytime_label = FS::Msgcat::_gettext('daytime') =~ /^(daytime)?$/
+                          ? 'Day Phone'
+                          : FS::Msgcat::_gettext('daytime');
+    my $night_label = FS::Msgcat::_gettext('night') =~ /^(night)?$/
+                        ? 'Night Phone'
+                        : FS::Msgcat::_gettext('night');
+  
+    return "$daytime_label or $night_label is required"
+  
+  }
 
-      #false laziness with above
-      unless ( qsearchs('cust_main_county', {
-        'country' => $self->ship_country,
-        'state'   => '',
-       } ) ) {
-        return "Unknown ship_state/ship_county/ship_country: ".
-          $self->ship_state. "/". $self->ship_county. "/". $self->ship_country
-          unless qsearch('cust_main_county',{
-            'state'   => $self->ship_state,
-            'county'  => $self->ship_county,
-            'country' => $self->ship_country,
-          } );
-      }
-      #eofalse
-
-      $error =
-        $self->ut_phonen('ship_daytime', $self->ship_country)
-        || $self->ut_phonen('ship_night', $self->ship_country)
-        || $self->ut_phonen('ship_fax', $self->ship_country)
-        || $self->ut_zip('ship_zip', $self->ship_country)
-      ;
-      return $error if $error;
+  if ( $self->has_ship_address
+       && scalar ( grep { $self->getfield($_) ne $self->getfield("ship_$_") }
+                        $self->addr_fields )
+     )
+  {
+    my $error =
+      $self->ut_name('ship_last')
+      || $self->ut_name('ship_first')
+      || $self->ut_textn('ship_company')
+      || $self->ut_text('ship_address1')
+      || $self->ut_textn('ship_address2')
+      || $self->ut_text('ship_city')
+      || $self->ut_textn('ship_county')
+      || $self->ut_textn('ship_state')
+      || $self->ut_country('ship_country')
+    ;
+    return $error if $error;
 
-    } else { # ship_ info eq billing info, so don't store dup info in database
-      $self->setfield("ship_$_", '')
-        foreach qw( last first company address1 address2 city county state zip
-                    country daytime night fax );
+    #false laziness with above
+    unless ( qsearchs('cust_main_county', {
+      'country' => $self->ship_country,
+      'state'   => '',
+     } ) ) {
+      return "Unknown ship_state/ship_county/ship_country: ".
+        $self->ship_state. "/". $self->ship_county. "/". $self->ship_country
+        unless qsearch('cust_main_county',{
+          'state'   => $self->ship_state,
+          'county'  => $self->ship_county,
+          'country' => $self->ship_country,
+        } );
     }
+    #eofalse
+
+    $error =
+      $self->ut_phonen('ship_daytime', $self->ship_country)
+      || $self->ut_phonen('ship_night', $self->ship_country)
+      || $self->ut_phonen('ship_fax', $self->ship_country)
+      || $self->ut_zip('ship_zip', $self->ship_country)
+    ;
+    return $error if $error;
+
+    return "Unit # is required."
+      if $self->ship_address2 =~ /^\s*$/
+      && $conf->exists('cust_main-require_address2');
+
+  } else { # ship_ info eq billing info, so don't store dup info in database
+
+    $self->setfield("ship_$_", '')
+      foreach $self->addr_fields;
+
+    return "Unit # is required."
+      if $self->address2 =~ /^\s*$/
+      && $conf->exists('cust_main-require_address2');
+
   }
 
-  $self->payby =~ /^(CARD|DCRD|CHEK|DCHK|LECB|BILL|COMP|PREPAY|CASH|WEST|MCRD)$/
+  #$self->payby =~ /^(CARD|DCRD|CHEK|DCHK|LECB|BILL|COMP|PREPAY|CASH|WEST|MCRD)$/
+  #  or return "Illegal payby: ". $self->payby;
+  #$self->payby($1);
+  FS::payby->can_payby($self->table, $self->payby)
     or return "Illegal payby: ". $self->payby;
 
   $error =    $self->ut_numbern('paystart_month')
            || $self->ut_numbern('paystart_year')
            || $self->ut_numbern('payissue')
+           || $self->ut_textn('paytype')
   ;
   return $error if $error;
 
@@ -1352,8 +1703,6 @@ sub check {
     $check_payinfo = 0;
   }
 
-  $self->payby($1);
-
   if ( $check_payinfo && $self->payby =~ /^(CARD|DCRD)$/ ) {
 
     my $payinfo = $self->payinfo;
@@ -1376,20 +1725,18 @@ sub check {
              ' (ban# '. $ban->bannum. ')';
     }
 
-    if ( defined $self->dbdef_table->column('paycvv') ) {
-      if (length($self->paycvv) && !$self->is_encrypted($self->paycvv)) {
-        if ( cardtype($self->payinfo) eq 'American Express card' ) {
-          $self->paycvv =~ /^(\d{4})$/
-            or return "CVV2 (CID) for American Express cards is four digits.";
-          $self->paycvv($1);
-        } else {
-          $self->paycvv =~ /^(\d{3})$/
-            or return "CVV2 (CVC2/CID) is three digits.";
-          $self->paycvv($1);
-        }
+    if (length($self->paycvv) && !$self->is_encrypted($self->paycvv)) {
+      if ( cardtype($self->payinfo) eq 'American Express card' ) {
+        $self->paycvv =~ /^(\d{4})$/
+          or return "CVV2 (CID) for American Express cards is four digits.";
+        $self->paycvv($1);
       } else {
-        $self->paycvv('');
+        $self->paycvv =~ /^(\d{3})$/
+          or return "CVV2 (CVC2/CID) is three digits.";
+        $self->paycvv($1);
       }
+    } else {
+      $self->paycvv('');
     }
 
     my $cardtype = cardtype($payinfo);
@@ -1428,7 +1775,7 @@ sub check {
       $payinfo = "$1\@$2";
     }
     $self->payinfo($payinfo);
-    $self->paycvv('') if $self->dbdef_table->column('paycvv');
+    $self->paycvv('');
 
     my $ban = qsearchs('banned_pay', $self->_banned_pay_hashref);
     if ( $ban ) {
@@ -1445,13 +1792,13 @@ sub check {
     $payinfo =~ /^1?(\d{10})$/ or return 'invalid btn billing telephone number';
     $payinfo = $1;
     $self->payinfo($payinfo);
-    $self->paycvv('') if $self->dbdef_table->column('paycvv');
+    $self->paycvv('');
 
   } elsif ( $self->payby eq 'BILL' ) {
 
     $error = $self->ut_textn('payinfo');
     return "Illegal P.O. number: ". $self->payinfo if $error;
-    $self->paycvv('') if $self->dbdef_table->column('paycvv');
+    $self->paycvv('');
 
   } elsif ( $self->payby eq 'COMP' ) {
 
@@ -1465,7 +1812,7 @@ sub check {
 
     $error = $self->ut_textn('payinfo');
     return "Illegal comp account issuer: ". $self->payinfo if $error;
-    $self->paycvv('') if $self->dbdef_table->column('paycvv');
+    $self->paycvv('');
 
   } elsif ( $self->payby eq 'PREPAY' ) {
 
@@ -1476,7 +1823,7 @@ sub check {
     return "Illegal prepayment identifier: ". $self->payinfo if $error;
     return "Unknown prepayment identifier"
       unless qsearchs('prepay_credit', { 'identifier' => $self->payinfo } );
-    $self->paycvv('') if $self->dbdef_table->column('paycvv');
+    $self->paycvv('');
 
   }
 
@@ -1512,7 +1859,7 @@ sub check {
     $self->payname($1);
   }
 
-  foreach my $flag (qw( tax spool_cdr )) {
+  foreach my $flag (qw( tax spool_cdr squelch_cdr archived )) {
     $self->$flag() =~ /^(Y?)$/ or return "Illegal $flag: ". $self->$flag();
     $self->$flag($1);
   }
@@ -1525,7 +1872,31 @@ sub check {
   $self->SUPER::check;
 }
 
-=item all_pkgs
+=item addr_fields 
+
+Returns a list of fields which have ship_ duplicates.
+
+=cut
+
+sub addr_fields {
+  qw( last first company
+      address1 address2 city county state zip country
+      daytime night fax
+    );
+}
+
+=item has_ship_address
+
+Returns true if this customer record has a separate shipping address.
+
+=cut
+
+sub has_ship_address {
+  my $self = shift;
+  scalar( grep { $self->getfield("ship_$_") ne '' } $self->addr_fields );
+}
+
+=item all_pkgs [ EXTRA_QSEARCH_PARAMS_HASHREF ]
 
 Returns all packages (see L<FS::cust_pkg>) for this customer.
 
@@ -1533,14 +1904,42 @@ Returns all packages (see L<FS::cust_pkg>) for this customer.
 
 sub all_pkgs {
   my $self = shift;
+  my $extra_qsearch = ref($_[0]) ? shift : {};
+
+  return $self->num_pkgs unless wantarray || keys(%$extra_qsearch);
+
+  my @cust_pkg = ();
   if ( $self->{'_pkgnum'} ) {
-    values %{ $self->{'_pkgnum'}->cache };
+    @cust_pkg = values %{ $self->{'_pkgnum'}->cache };
   } else {
-    qsearch( 'cust_pkg', { 'custnum' => $self->custnum });
+    @cust_pkg = $self->_cust_pkg($extra_qsearch);
   }
+
+  sort sort_packages @cust_pkg;
+}
+
+=item cust_pkg
+
+Synonym for B<all_pkgs>.
+
+=cut
+
+sub cust_pkg {
+  shift->all_pkgs(@_);
+}
+
+=item cust_location
+
+Returns all locations (see L<FS::cust_location>) for this customer.
+
+=cut
+
+sub cust_location {
+  my $self = shift;
+  qsearch('cust_location', { 'custnum' => $self->custnum } );
 }
 
-=item ncancelled_pkgs
+=item ncancelled_pkgs [ EXTRA_QSEARCH_PARAMS_HASHREF ]
 
 Returns all non-cancelled packages (see L<FS::cust_pkg>) for this customer.
 
@@ -1548,20 +1947,75 @@ Returns all non-cancelled packages (see L<FS::cust_pkg>) for this customer.
 
 sub ncancelled_pkgs {
   my $self = shift;
+  my $extra_qsearch = ref($_[0]) ? shift : {};
+
+  return $self->num_ncancelled_pkgs unless wantarray;
+
+  my @cust_pkg = ();
   if ( $self->{'_pkgnum'} ) {
-    grep { ! $_->getfield('cancel') } values %{ $self->{'_pkgnum'}->cache };
+
+    warn "$me ncancelled_pkgs: returning cached objects"
+      if $DEBUG > 1;
+
+    @cust_pkg = grep { ! $_->getfield('cancel') }
+                values %{ $self->{'_pkgnum'}->cache };
+
   } else {
-    @{ [ # force list context
-      qsearch( 'cust_pkg', {
-        'custnum' => $self->custnum,
-        'cancel'  => '',
-      }),
-      qsearch( 'cust_pkg', {
-        'custnum' => $self->custnum,
-        'cancel'  => 0,
-      }),
-    ] };
+
+    warn "$me ncancelled_pkgs: searching for packages with custnum ".
+         $self->custnum. "\n"
+      if $DEBUG > 1;
+
+    $extra_qsearch->{'extra_sql'} .= ' AND ( cancel IS NULL OR cancel = 0 ) ';
+
+    @cust_pkg = $self->_cust_pkg($extra_qsearch);
+
+  }
+
+  sort sort_packages @cust_pkg;
+
+}
+
+sub _cust_pkg {
+  my $self = shift;
+  my $extra_qsearch = ref($_[0]) ? shift : {};
+
+  $extra_qsearch->{'select'} ||= '*';
+  $extra_qsearch->{'select'} .=
+   ',( SELECT COUNT(*) FROM cust_svc WHERE cust_pkg.pkgnum = cust_svc.pkgnum )
+     AS _num_cust_svc';
+
+  map {
+        $_->{'_num_cust_svc'} = $_->get('_num_cust_svc');
+        $_;
+      }
+  qsearch({
+    %$extra_qsearch,
+    'table'   => 'cust_pkg',
+    'hashref' => { 'custnum' => $self->custnum },
+  });
+
+}
+
+# This should be generalized to use config options to determine order.
+sub sort_packages {
+  
+  if ( $a->get('cancel') xor $b->get('cancel') ) {
+    return -1 if $b->get('cancel');
+    return  1 if $a->get('cancel');
+    #shouldn't get here...
+    return 0;
+  } else {
+    my $a_num_cust_svc = $a->num_cust_svc;
+    my $b_num_cust_svc = $b->num_cust_svc;
+    return 0  if !$a_num_cust_svc && !$b_num_cust_svc;
+    return -1 if  $a_num_cust_svc && !$b_num_cust_svc;
+    return 1  if !$a_num_cust_svc &&  $b_num_cust_svc;
+    my @a_cust_svc = $a->cust_svc;
+    my @b_cust_svc = $b->cust_svc;
+    $a_cust_svc[0]->svc_x->label cmp $b_cust_svc[0]->svc_x->label;
   }
+
 }
 
 =item suspended_pkgs
@@ -1609,14 +2063,19 @@ customer.
 =cut
 
 sub num_cancelled_pkgs {
-  my $self = shift;
-  $self->num_pkgs("cancel IS NOT NULL AND cust_pkg.cancel != 0");
+  shift->num_pkgs("cust_pkg.cancel IS NOT NULL AND cust_pkg.cancel != 0");
+}
+
+sub num_ncancelled_pkgs {
+  shift->num_pkgs("( cust_pkg.cancel IS NULL OR cust_pkg.cancel = 0 )");
 }
 
 sub num_pkgs {
-  my( $self, $sql ) = @_;
+  my( $self ) = shift;
+  my $sql = scalar(@_) ? shift : '';
+  $sql = "AND $sql" if $sql && $sql !~ /^\s*$/ && $sql !~ /^\s*AND/i;
   my $sth = dbh->prepare(
-    "SELECT COUNT(*) FROM cust_pkg WHERE custnum = ? AND $sql"
+    "SELECT COUNT(*) FROM cust_pkg WHERE custnum = ? $sql"
   ) or die dbh->errstr;
   $sth->execute($self->custnum) or die $sth->errstr;
   $sth->fetchrow_arrayref->[0];
@@ -1648,10 +2107,20 @@ sub suspend {
   grep { $_->suspend(@_) } $self->unsuspended_pkgs;
 }
 
-=item suspend_if_pkgpart PKGPART [ , PKGPART ... ]
+=item suspend_if_pkgpart HASHREF | PKGPART [ , PKGPART ... ]
 
 Suspends all unsuspended packages (see L<FS::cust_pkg>) matching the listed
-PKGPARTs (see L<FS::part_pkg>).
+PKGPARTs (see L<FS::part_pkg>).  Preferred usage is to pass a hashref instead
+of a list of pkgparts; the hashref has the following keys:
+
+=over 4
+
+=item pkgparts - listref of pkgparts
+
+=item (other options are passed to the suspend method)
+
+=back
+
 
 Returns a list: an empty list on success or a list of errors.
 
@@ -1671,10 +2140,19 @@ sub suspend_if_pkgpart {
       $self->unsuspended_pkgs;
 }
 
-=item suspend_unless_pkgpart PKGPART [ , PKGPART ... ]
+=item suspend_unless_pkgpart HASHREF | PKGPART [ , PKGPART ... ]
 
 Suspends all unsuspended packages (see L<FS::cust_pkg>) unless they match the
-listed PKGPARTs (see L<FS::part_pkg>).
+given PKGPARTs (see L<FS::part_pkg>).  Preferred usage is to pass a hashref
+instead of a list of pkgparts; the hashref has the following keys:
+
+=over 4
+
+=item pkgparts - listref of pkgparts
+
+=item (other options are passed to the suspend method)
+
+=back
 
 Returns a list: an empty list on success or a list of errors.
 
@@ -1698,22 +2176,31 @@ sub suspend_unless_pkgpart {
 
 Cancels all uncancelled packages (see L<FS::cust_pkg>) for this customer.
 
-Available options are: I<quiet>, I<reasonnum>, and I<ban>
+Available options are:
+
+=over 4
+
+=item quiet - can be set true to supress email cancellation notices.
 
-I<quiet> can be set true to supress email cancellation notices.
+=item reason - can be set to a cancellation reason (see L<FS:reason>), either a reasonnum of an existing reason, or passing a hashref will create a new reason.  The hashref should have the following keys: typenum - Reason type (see L<FS::reason_type>, reason - Text of the new reason.
 
-# I<reasonnum> can be set to a cancellation reason (see L<FS::cancel_reason>)
+=item ban - can be set true to ban this customer's credit card or ACH information, if present.
 
-I<ban> can be set true to ban this customer's credit card or ACH information,
-if present.
+=back
 
 Always returns a list: an empty list on success or a list of errors.
 
 =cut
 
 sub cancel {
-  my $self = shift;
-  my %opt = @_;
+  my( $self, %opt ) = @_;
+
+  warn "$me cancel called on customer ". $self->custnum. " with options ".
+       join(', ', map { "$_: $opt{$_}" } keys %opt ). "\n"
+    if $DEBUG;
+
+  return ( 'access denied' )
+    unless $FS::CurrentUser::CurrentUser->access_right('Cancel customer');
 
   if ( $opt{'ban'} && $self->payby =~ /^(CARD|DCRD|CHEK|DCHK)$/ ) {
 
@@ -1728,7 +2215,13 @@ sub cancel {
 
   }
 
-  grep { $_ } map { $_->cancel(@_) } $self->ncancelled_pkgs;
+  my @pkgs = $self->ncancelled_pkgs;
+
+  warn "$me cancelling ". scalar($self->ncancelled_pkgs). "/".
+       scalar(@pkgs). " packages for customer ". $self->custnum. "\n"
+    if $DEBUG;
+
+  grep { $_ } map { $_->cancel(%opt) } $self->ncancelled_pkgs;
 }
 
 sub _banned_pay_hashref {
@@ -1744,7 +2237,7 @@ sub _banned_pay_hashref {
   {
     'payby'   => $payby2ban{$self->payby},
     'payinfo' => md5_base64($self->payinfo),
-    #'reason'  =>
+    #don't ever *search* on reason! #'reason'  =>
   };
 }
 
@@ -1775,27 +2268,165 @@ sub agent {
   qsearchs( 'agent', { 'agentnum' => $self->agentnum } );
 }
 
+=item bill_and_collect 
+
+Cancels and suspends any packages due, generates bills, applies payments and
+cred
+
+Warns on errors (Does not currently: If there is an error, returns the error, otherwise returns false.)
+
+Options are passed as name-value pairs.  Currently available options are:
+
+=over 4
+
+=item time
+
+Bills the customer as if it were that time.  Specified as a UNIX timestamp; see L<perlfunc/"time">).  Also see L<Time::Local> and L<Date::Parse> for conversion functions.  For example:
+
+ use Date::Parse;
+ ...
+ $cust_main->bill( 'time' => str2time('April 20th, 2001') );
+
+=item invoice_time
+
+Used in conjunction with the I<time> option, this option specifies the date of for the generated invoices.  Other calculations, such as whether or not to generate the invoice in the first place, are not affected.
+
+=item check_freq
+
+"1d" for the traditional, daily events (the default), or "1m" for the new monthly events (part_event.check_freq)
+
+=item resetup
+
+If set true, re-charges setup fees.
+
+=item debug
+
+Debugging level.  Default is 0 (no debugging), or can be set to 1 (passed-in options), 2 (traces progress), 3 (more information), or 4 (include full search queries)
+
+=back
+
+=cut
+
+sub bill_and_collect {
+  my( $self, %options ) = @_;
+
+  #$options{actual_time} not $options{time} because freeside-daily -d is for
+  #pre-printing invoices
+  $self->cancel_expired_pkgs(    $options{actual_time} );
+  $self->suspend_adjourned_pkgs( $options{actual_time} );
+
+  my $error = $self->bill( %options );
+  warn "Error billing, custnum ". $self->custnum. ": $error" if $error;
+
+  $self->apply_payments_and_credits;
+
+  unless ( $conf->exists('cancelled_cust-noevents')
+           && ! $self->num_ncancelled_pkgs
+  ) {
+
+    $error = $self->collect( %options );
+    warn "Error collecting, custnum". $self->custnum. ": $error" if $error;
+
+  }
+
+}
+
+sub cancel_expired_pkgs {
+  my ( $self, $time ) = @_;
+
+  my @cancel_pkgs = $self->ncancelled_pkgs( { 
+    'extra_sql' => " AND expire IS NOT NULL AND expire > 0 AND expire <= $time "
+  } );
+
+  foreach my $cust_pkg ( @cancel_pkgs ) {
+    my $cpr = $cust_pkg->last_cust_pkg_reason('expire');
+    my $error = $cust_pkg->cancel($cpr ? ( 'reason'        => $cpr->reasonnum,
+                                           'reason_otaker' => $cpr->otaker
+                                         )
+                                       : ()
+                                 );
+    warn "Error cancelling expired pkg ". $cust_pkg->pkgnum.
+         " for custnum ". $self->custnum. ": $error"
+      if $error;
+  }
+
+}
+
+sub suspend_adjourned_pkgs {
+  my ( $self, $time ) = @_;
+
+  my @susp_pkgs = $self->ncancelled_pkgs( {
+    'extra_sql' =>
+      " AND ( susp IS NULL OR susp = 0 )
+        AND (    ( bill    IS NOT NULL AND bill    != 0 AND bill    <  $time )
+              OR ( adjourn IS NOT NULL AND adjourn != 0 AND adjourn <= $time )
+            )
+      ",
+  } );
+
+  #only because there's no SQL test for is_prepaid :/
+  @susp_pkgs = 
+    grep {     (    $_->part_pkg->is_prepaid
+                 && $_->bill
+                 && $_->bill < $time
+               )
+            || (    $_->adjourn
+                 && $_->adjourn <= $time
+               )
+           
+         }
+         @susp_pkgs;
+
+  foreach my $cust_pkg ( @susp_pkgs ) {
+    my $cpr = $cust_pkg->last_cust_pkg_reason('adjourn')
+      if ($cust_pkg->adjourn && $cust_pkg->adjourn < $^T);
+    my $error = $cust_pkg->suspend($cpr ? ( 'reason' => $cpr->reasonnum,
+                                            'reason_otaker' => $cpr->otaker
+                                          )
+                                        : ()
+                                  );
+
+    warn "Error suspending package ". $cust_pkg->pkgnum.
+         " for custnum ". $self->custnum. ": $error"
+      if $error;
+  }
+
+}
+
 =item bill OPTIONS
 
 Generates invoices (see L<FS::cust_bill>) for this customer.  Usually used in
-conjunction with the collect method.
+conjunction with the collect method by calling B<bill_and_collect>.
 
-Options are passed as name-value pairs.
+If there is an error, returns the error, otherwise returns false.
 
-Currently available options are:
+Options are passed as name-value pairs.  Currently available options are:
+
+=over 4
+
+=item resetup
+
+If set true, re-charges setup fees.
 
-resetup - if set true, re-charges setup fees.
+=item time
 
-time - bills the customer as if it were that time.  Specified as a UNIX
-timestamp; see L<perlfunc/"time">).  Also see L<Time::Local> and
-L<Date::Parse> for conversion functions.  For example:
+Bills the customer as if it were that time.  Specified as a UNIX timestamp; see L<perlfunc/"time">).  Also see L<Time::Local> and L<Date::Parse> for conversion functions.  For example:
 
  use Date::Parse;
  ...
  $cust_main->bill( 'time' => str2time('April 20th, 2001') );
 
+=item pkg_list
 
-If there is an error, returns the error, otherwise returns false.
+An array ref of specific packages (objects) to attempt billing, instead trying all of them.
+
+ $cust_main->bill( pkg_list => [$pkg1, $pkg2] );
+
+=item invoice_time
+
+Used in conjunction with the I<time> option, this option specifies the date of for the generated invoices.  Other calculations, such as whether or not to generate the invoice in the first place, are not affected.
+
+=back
 
 =cut
 
@@ -1806,8 +2437,7 @@ sub bill {
     if $DEBUG;
 
   my $time = $options{'time'} || time;
-
-  my $error;
+  my $invoice_time = $options{'invoice_time'} || $time;
 
   #put below somehow?
   local $SIG{HUP} = 'IGNORE';
@@ -1823,37 +2453,18 @@ sub bill {
 
   $self->select_for_update; #mutex
 
-  #create a new invoice
-  #(we'll remove it later if it doesn't actually need to be generated [contains
-  # no line items] and we're inside a transaciton so nothing else will see it)
-  my $cust_bill = new FS::cust_bill ( {
-    'custnum' => $self->custnum,
-    '_date'   => $time,
-    #'charged' => $charged,
-    'charged' => 0,
-  } );
-  $error = $cust_bill->insert;
-  if ( $error ) {
-    $dbh->rollback if $oldAutoCommit;
-    return "can't create invoice for customer #". $self->custnum. ": $error";
-  }
-  my $invnum = $cust_bill->invnum;
+  my @cust_bill_pkg = ();
 
   ###
   # find the packages which are due for billing, find out how much they are
   # & generate invoice database.
   ###
 
-  my( $total_setup, $total_recur ) = ( 0, 0 );
-  my %tax;
+  my( $total_setup, $total_recur, $postal_charge ) = ( 0, 0, 0 );
+  my %taxlisthash;
   my @precommit_hooks = ();
 
-  foreach my $cust_pkg (
-    qsearch('cust_pkg', { 'custnum' => $self->custnum } )
-  ) {
-
-    #NO!! next if $cust_pkg->cancel;  
-    next if $cust_pkg->getfield('cancel');  
+  foreach my $cust_pkg ( $self->ncancelled_pkgs ) {
 
     warn "  bill package ". $cust_pkg->pkgnum. "\n" if $DEBUG > 1;
 
@@ -1861,324 +2472,218 @@ sub bill {
     $cust_pkg->setfield('bill', '')
       unless defined($cust_pkg->bill);
  
-    my $part_pkg = $cust_pkg->part_pkg;
+    #my $part_pkg = $cust_pkg->part_pkg;
 
+    my $real_pkgpart = $cust_pkg->pkgpart;
     my %hash = $cust_pkg->hash;
-    my $old_cust_pkg = new FS::cust_pkg \%hash;
-
-    my @details = ();
-
-    ###
-    # bill setup
-    ###
-
-    my $setup = 0;
-    if ( !$cust_pkg->setup || $options{'resetup'} ) {
-    
-      warn "    bill setup\n" if $DEBUG > 1;
-
-      $setup = eval { $cust_pkg->calc_setup( $time ) };
-      if ( $@ ) {
-        $dbh->rollback if $oldAutoCommit;
-        return "$@ running calc_setup for $cust_pkg\n";
-      }
-
-      $cust_pkg->setfield('setup', $time) unless $cust_pkg->setup;
-    }
-
-    ###
-    # bill recurring fee
-    ### 
-
-    my $recur = 0;
-    my $sdate;
-    if ( $part_pkg->getfield('freq') ne '0' &&
-         ! $cust_pkg->getfield('susp') &&
-         ( $cust_pkg->getfield('bill') || 0 ) <= $time
-    ) {
-
-      warn "    bill recur\n" if $DEBUG > 1;
-
-      # XXX shared with $recur_prog
-      $sdate = $cust_pkg->bill || $cust_pkg->setup || $time;
-
-      #over two params!  lets at least switch to a hashref for the rest...
-      my %param = ( 'precommit_hooks' => \@precommit_hooks, );
 
-      $recur = eval { $cust_pkg->calc_recur( \$sdate, \@details, \%param ) };
-      if ( $@ ) {
-        $dbh->rollback if $oldAutoCommit;
-        return "$@ running calc_recur for $cust_pkg\n";
-      }
+    foreach my $part_pkg ( $cust_pkg->part_pkg->self_and_bill_linked ) {
 
-      #change this bit to use Date::Manip? CAREFUL with timezones (see
-      # mailing list archive)
-      my ($sec,$min,$hour,$mday,$mon,$year) =
-        (localtime($sdate) )[0,1,2,3,4,5];
+      $cust_pkg->set($_, $hash{$_}) foreach qw ( setup last_bill bill );
 
-      #pro-rating magic - if $recur_prog fiddles $sdate, want to use that
-      # only for figuring next bill date, nothing else, so, reset $sdate again
-      # here
-      $sdate = $cust_pkg->bill || $cust_pkg->setup || $time;
-      $cust_pkg->last_bill($sdate)
-        if $cust_pkg->dbdef_table->column('last_bill');
-
-      if ( $part_pkg->freq =~ /^\d+$/ ) {
-        $mon += $part_pkg->freq;
-        until ( $mon < 12 ) { $mon -= 12; $year++; }
-      } elsif ( $part_pkg->freq =~ /^(\d+)w$/ ) {
-        my $weeks = $1;
-        $mday += $weeks * 7;
-      } elsif ( $part_pkg->freq =~ /^(\d+)d$/ ) {
-        my $days = $1;
-        $mday += $days;
-      } elsif ( $part_pkg->freq =~ /^(\d+)h$/ ) {
-        my $hours = $1;
-        $hour += $hours;
-      } else {
+      my $error =
+        $self->_make_lines( 'part_pkg'            => $part_pkg,
+                            'cust_pkg'            => $cust_pkg,
+                            'precommit_hooks'     => \@precommit_hooks,
+                            'line_items'          => \@cust_bill_pkg,
+                            'setup'               => \$total_setup,
+                            'recur'               => \$total_recur,
+                            'tax_matrix'          => \%taxlisthash,
+                            'time'                => $time,
+                            'options'             => \%options,
+                          );
+      if ($error) {
         $dbh->rollback if $oldAutoCommit;
-        return "unparsable frequency: ". $part_pkg->freq;
+        return $error;
       }
-      $cust_pkg->setfield('bill',
-        timelocal_nocheck($sec,$min,$hour,$mday,$mon,$year));
-    }
-
-    warn "\$setup is undefined" unless defined($setup);
-    warn "\$recur is undefined" unless defined($recur);
-    warn "\$cust_pkg->bill is undefined" unless defined($cust_pkg->bill);
 
-    ###
-    # If $cust_pkg has been modified, update it and create cust_bill_pkg records
-    ###
+    } #foreach my $part_pkg
 
-    if ( $cust_pkg->modified ) {
+  } #foreach my $cust_pkg
 
-      warn "  package ". $cust_pkg->pkgnum. " modified; updating\n"
-        if $DEBUG >1;
+  unless ( @cust_bill_pkg ) { #don't create an invoice w/o line items
+    #but do commit any package date cycling that happened
+    $dbh->commit or die $dbh->errstr if $oldAutoCommit;
+    return '';
+  }
 
-      $error=$cust_pkg->replace($old_cust_pkg);
-      if ( $error ) { #just in case
-        $dbh->rollback if $oldAutoCommit;
-        return "Error modifying pkgnum ". $cust_pkg->pkgnum. ": $error";
-      }
+  if ( scalar( grep { $_->recur && $_->recur > 0 } @cust_bill_pkg) ||
+         !$conf->exists('postal_invoice-recurring_only')
+     )
+  {
 
-      $setup = sprintf( "%.2f", $setup );
-      $recur = sprintf( "%.2f", $recur );
-      if ( $setup < 0 && ! $conf->exists('allow_negative_charges') ) {
-        $dbh->rollback if $oldAutoCommit;
-        return "negative setup $setup for pkgnum ". $cust_pkg->pkgnum;
-      }
-      if ( $recur < 0 && ! $conf->exists('allow_negative_charges') ) {
-        $dbh->rollback if $oldAutoCommit;
-        return "negative recur $recur for pkgnum ". $cust_pkg->pkgnum;
-      }
+    my $postal_pkg = $self->charge_postal_fee();
+    if ( $postal_pkg && !ref( $postal_pkg ) ) {
 
-      if ( $setup != 0 || $recur != 0 ) {
-
-        warn "    charges (setup=$setup, recur=$recur); adding line items\n"
-          if $DEBUG > 1;
-        my $cust_bill_pkg = new FS::cust_bill_pkg ({
-          'invnum'  => $invnum,
-          'pkgnum'  => $cust_pkg->pkgnum,
-          'setup'   => $setup,
-          'recur'   => $recur,
-          'sdate'   => $sdate,
-          'edate'   => $cust_pkg->bill,
-          'details' => \@details,
-        });
-        $error = $cust_bill_pkg->insert;
-        if ( $error ) {
+      $dbh->rollback if $oldAutoCommit;
+      return "can't charge postal invoice fee for customer ".
+        $self->custnum. ": $postal_pkg";
+
+    } elsif ( $postal_pkg ) {
+
+      foreach my $part_pkg ( $postal_pkg->part_pkg->self_and_bill_linked ) {
+        my $error =
+          $self->_make_lines( 'part_pkg'            => $part_pkg,
+                              'cust_pkg'            => $postal_pkg,
+                              'precommit_hooks'     => \@precommit_hooks,
+                              'line_items'          => \@cust_bill_pkg,
+                              'setup'               => \$total_setup,
+                              'recur'               => \$total_recur,
+                              'tax_matrix'          => \%taxlisthash,
+                              'time'                => $time,
+                              'options'             => \%options,
+                            );
+        if ($error) {
           $dbh->rollback if $oldAutoCommit;
-          return "can't create invoice line item for invoice #$invnum: $error";
+          return $error;
         }
-        $total_setup += $setup;
-        $total_recur += $recur;
-
-        ###
-        # handle taxes
-        ###
-
-        unless ( $self->tax =~ /Y/i || $self->payby eq 'COMP' ) {
-
-          my $prefix = 
-            ( $conf->exists('tax-ship_address') && length($self->ship_last) )
-            ? 'ship_'
-            : '';
-          my %taxhash = map { $_ => $self->get("$prefix$_") }
-                            qw( state county country );
-
-          $taxhash{'taxclass'} = $part_pkg->taxclass;
-
-          my @taxes = qsearch( 'cust_main_county', \%taxhash );
-
-          unless ( @taxes ) {
-            $taxhash{'taxclass'} = '';
-            @taxes =  qsearch( 'cust_main_county', \%taxhash );
-          }
-
-          #one more try at a whole-country tax rate
-          unless ( @taxes ) {
-            $taxhash{$_} = '' foreach qw( state county );
-            @taxes =  qsearch( 'cust_main_county', \%taxhash );
-          }
-
-          # maybe eliminate this entirely, along with all the 0% records
-          unless ( @taxes ) {
-            $dbh->rollback if $oldAutoCommit;
-            return
-              "fatal: can't find tax rate for state/county/country/taxclass ".
-              join('/', ( map $self->get("$prefix$_"),
-                              qw(state county country)
-                        ),
-                        $part_pkg->taxclass ). "\n";
-          }
-  
-          foreach my $tax ( @taxes ) {
-
-            my $taxable_charged = 0;
-            $taxable_charged += $setup
-              unless $part_pkg->setuptax =~ /^Y$/i
-                  || $tax->setuptax =~ /^Y$/i;
-            $taxable_charged += $recur
-              unless $part_pkg->recurtax =~ /^Y$/i
-                  || $tax->recurtax =~ /^Y$/i;
-            next unless $taxable_charged;
-
-            if ( $tax->exempt_amount && $tax->exempt_amount > 0 ) {
-              #my ($mon,$year) = (localtime($sdate) )[4,5];
-              my ($mon,$year) = (localtime( $sdate || $cust_bill->_date ) )[4,5];
-              $mon++;
-              my $freq = $part_pkg->freq || 1;
-              if ( $freq !~ /(\d+)$/ ) {
-                $dbh->rollback if $oldAutoCommit;
-                return "daily/weekly package definitions not (yet?)".
-                       " compatible with monthly tax exemptions";
-              }
-              my $taxable_per_month =
-                sprintf("%.2f", $taxable_charged / $freq );
-
-              #call the whole thing off if this customer has any old
-              #exemption records...
-              my @cust_tax_exempt =
-                qsearch( 'cust_tax_exempt' => { custnum=> $self->custnum } );
-              if ( @cust_tax_exempt ) {
-                $dbh->rollback if $oldAutoCommit;
-                return
-                  'this customer still has old-style tax exemption records; '.
-                  'run bin/fs-migrate-cust_tax_exempt?';
-              }
-
-              foreach my $which_month ( 1 .. $freq ) {
-
-                #maintain the new exemption table now
-                my $sql = "
-                  SELECT SUM(amount)
-                    FROM cust_tax_exempt_pkg
-                      LEFT JOIN cust_bill_pkg USING ( billpkgnum )
-                      LEFT JOIN cust_bill     USING ( invnum     )
-                    WHERE custnum = ?
-                      AND taxnum  = ?
-                      AND year    = ?
-                      AND month   = ?
-                ";
-                my $sth = dbh->prepare($sql) or do {
-                  $dbh->rollback if $oldAutoCommit;
-                  return "fatal: can't lookup exising exemption: ". dbh->errstr;
-                };
-                $sth->execute(
-                  $self->custnum,
-                  $tax->taxnum,
-                  1900+$year,
-                  $mon,
-                ) or do {
-                  $dbh->rollback if $oldAutoCommit;
-                  return "fatal: can't lookup exising exemption: ". dbh->errstr;
-                };
-                my $existing_exemption = $sth->fetchrow_arrayref->[0] || 0;
-                
-                my $remaining_exemption =
-                  $tax->exempt_amount - $existing_exemption;
-                if ( $remaining_exemption > 0 ) {
-                  my $addl = $remaining_exemption > $taxable_per_month
-                    ? $taxable_per_month
-                    : $remaining_exemption;
-                  $taxable_charged -= $addl;
-
-                  my $cust_tax_exempt_pkg = new FS::cust_tax_exempt_pkg ( {
-                    'billpkgnum' => $cust_bill_pkg->billpkgnum,
-                    'taxnum'     => $tax->taxnum,
-                    'year'       => 1900+$year,
-                    'month'      => $mon,
-                    'amount'     => sprintf("%.2f", $addl ),
-                  } );
-                  $error = $cust_tax_exempt_pkg->insert;
-                  if ( $error ) {
-                    $dbh->rollback if $oldAutoCommit;
-                    return "fatal: can't insert cust_tax_exempt_pkg: $error";
-                  }
-                } # if $remaining_exemption > 0
-
-                #++
-                $mon++;
-                #until ( $mon < 12 ) { $mon -= 12; $year++; }
-                until ( $mon < 13 ) { $mon -= 12; $year++; }
-  
-              } #foreach $which_month
-  
-            } #if $tax->exempt_amount
+      }
 
-            $taxable_charged = sprintf( "%.2f", $taxable_charged);
+    }
 
-            #$tax += $taxable_charged * $cust_main_county->tax / 100
-            $tax{ $tax->taxname || 'Tax' } +=
-              $taxable_charged * $tax->tax / 100
+  }
 
-          } #foreach my $tax ( @taxes )
+  warn "having a look at the taxes we found...\n" if $DEBUG > 2;
+
+  # keys are tax names (as printed on invoices / itemdesc )
+  # values are listrefs of taxlisthash keys (internal identifiers)
+  my %taxname = ();
+
+  # keys are taxlisthash keys (internal identifiers)
+  # values are (cumulative) amounts
+  my %tax = ();
+
+  # keys are taxlisthash keys (internal identifiers)
+  # values are listrefs of cust_bill_pkg_tax_location hashrefs
+  my %tax_location = ();
+
+  # keys are taxlisthash keys (internal identifiers)
+  # values are listrefs of cust_bill_pkg_tax_rate_location hashrefs
+  my %tax_rate_location = ();
+
+  foreach my $tax ( keys %taxlisthash ) {
+    my $tax_object = shift @{ $taxlisthash{$tax} };
+    warn "found ". $tax_object->taxname. " as $tax\n" if $DEBUG > 2;
+    warn " ". join('/', @{ $taxlisthash{$tax} } ). "\n" if $DEBUG > 2;
+    my $hashref_or_error =
+      $tax_object->taxline( $taxlisthash{$tax},
+                            'custnum'      => $self->custnum,
+                            'invoice_time' => $invoice_time
+                          );
+    unless ( ref($hashref_or_error) ) {
+      $dbh->rollback if $oldAutoCommit;
+      return $hashref_or_error;
+    }
+    unshift @{ $taxlisthash{$tax} }, $tax_object;
+
+    my $name   = $hashref_or_error->{'name'};
+    my $amount = $hashref_or_error->{'amount'};
+
+    #warn "adding $amount as $name\n";
+    $taxname{ $name } ||= [];
+    push @{ $taxname{ $name } }, $tax;
+
+    $tax{ $tax } += $amount;
+
+    $tax_location{ $tax } ||= [];
+    if ( $tax_object->get('pkgnum') || $tax_object->get('locationnum') ) {
+      push @{ $tax_location{ $tax }  },
+        {
+          'taxnum'      => $tax_object->taxnum, 
+          'taxtype'     => ref($tax_object),
+          'pkgnum'      => $tax_object->get('pkgnum'),
+          'locationnum' => $tax_object->get('locationnum'),
+          'amount'      => sprintf('%.2f', $amount ),
+        };
+    }
 
-        } #unless $self->tax =~ /Y/i || $self->payby eq 'COMP'
+    $tax_rate_location{ $tax } ||= [];
+    if ( ref($tax_object) eq 'FS::tax_rate' ) {
+      my $taxratelocationnum =
+        $tax_object->tax_rate_location->taxratelocationnum;
+      push @{ $tax_rate_location{ $tax }  },
+        {
+          'taxnum'             => $tax_object->taxnum, 
+          'taxtype'            => ref($tax_object),
+          'amount'             => sprintf('%.2f', $amount ),
+          'locationtaxid'      => $tax_object->location,
+          'taxratelocationnum' => $taxratelocationnum,
+        };
+    }
 
-      } #if $setup != 0 || $recur != 0
-      
-    } #if $cust_pkg->modified
+  }
 
-  } #foreach my $cust_pkg
+  #move the cust_tax_exempt_pkg records to the cust_bill_pkgs we will commit
+  my %packagemap = map { $_->pkgnum => $_ } @cust_bill_pkg;
+  foreach my $tax ( keys %taxlisthash ) {
+    foreach ( @{ $taxlisthash{$tax} }[1 ... scalar(@{ $taxlisthash{$tax} })] ) {
+      next unless ref($_) eq 'FS::cust_bill_pkg';
 
-  unless ( $cust_bill->cust_bill_pkg ) {
-    $cust_bill->delete; #don't create an invoice w/o line items
-    $dbh->commit or die $dbh->errstr if $oldAutoCommit;
-    return '';
+      push @{ $packagemap{$_->pkgnum}->_cust_tax_exempt_pkg }, 
+        splice( @{ $_->_cust_tax_exempt_pkg } );
+    }
   }
 
-  my $charged = sprintf( "%.2f", $total_setup + $total_recur );
+  #consolidate and create tax line items
+  warn "consolidating and generating...\n" if $DEBUG > 2;
+  foreach my $taxname ( keys %taxname ) {
+    my $tax = 0;
+    my %seen = ();
+    my @cust_bill_pkg_tax_location = ();
+    my @cust_bill_pkg_tax_rate_location = ();
+    warn "adding $taxname\n" if $DEBUG > 1;
+    foreach my $taxitem ( @{ $taxname{$taxname} } ) {
+      next if $seen{$taxitem}++;
+      warn "adding $tax{$taxitem}\n" if $DEBUG > 1;
+      $tax += $tax{$taxitem};
+      push @cust_bill_pkg_tax_location,
+        map { new FS::cust_bill_pkg_tax_location $_ }
+            @{ $tax_location{ $taxitem } };
+      push @cust_bill_pkg_tax_rate_location,
+        map { new FS::cust_bill_pkg_tax_rate_location $_ }
+            @{ $tax_rate_location{ $taxitem } };
+    }
+    next unless $tax;
 
-  foreach my $taxname ( grep { $tax{$_} > 0 } keys %tax ) {
-    my $tax = sprintf("%.2f", $tax{$taxname} );
-    $charged = sprintf( "%.2f", $charged+$tax );
+    $tax = sprintf('%.2f', $tax );
+    $total_setup = sprintf('%.2f', $total_setup+$tax );
   
-    my $cust_bill_pkg = new FS::cust_bill_pkg ({
-      'invnum'   => $invnum,
+    push @cust_bill_pkg, new FS::cust_bill_pkg {
       'pkgnum'   => 0,
       'setup'    => $tax,
       'recur'    => 0,
       'sdate'    => '',
       'edate'    => '',
       'itemdesc' => $taxname,
-    });
-    $error = $cust_bill_pkg->insert;
-    if ( $error ) {
-      $dbh->rollback if $oldAutoCommit;
-      return "can't create invoice line item for invoice #$invnum: $error";
-    }
-    $total_setup += $tax;
+      'cust_bill_pkg_tax_location' => \@cust_bill_pkg_tax_location,
+      'cust_bill_pkg_tax_rate_location' => \@cust_bill_pkg_tax_rate_location,
+    };
 
   }
 
-  $cust_bill->charged( sprintf( "%.2f", $total_setup + $total_recur ) );
-  $error = $cust_bill->replace;
+  my $charged = sprintf('%.2f', $total_setup + $total_recur );
+
+  #create the new invoice
+  my $cust_bill = new FS::cust_bill ( {
+    'custnum' => $self->custnum,
+    '_date'   => ( $invoice_time ),
+    'charged' => $charged,
+  } );
+  my $error = $cust_bill->insert;
   if ( $error ) {
     $dbh->rollback if $oldAutoCommit;
-    return "can't update charged for invoice #$invnum: $error";
+    return "can't create invoice for customer #". $self->custnum. ": $error";
+  }
+
+  foreach my $cust_bill_pkg ( @cust_bill_pkg ) {
+    $cust_bill_pkg->invnum($cust_bill->invnum); 
+    my $error = $cust_bill_pkg->insert;
+    if ( $error ) {
+      $dbh->rollback if $oldAutoCommit;
+      return "can't create invoice line item: $error";
+    }
   }
+    
 
   foreach my $hook ( @precommit_hooks ) { 
     eval {
@@ -2194,43 +2699,464 @@ sub bill {
   ''; #no error
 }
 
-=item collect OPTIONS
 
-(Attempt to) collect money for this customer's outstanding invoices (see
-L<FS::cust_bill>).  Usually used after the bill method.
+sub _make_lines {
+  my ($self, %params) = @_;
 
-Depending on the value of `payby', this may print or email an invoice (I<BILL>,
-I<DCRD>, or I<DCHK>), charge a credit card (I<CARD>), charge via electronic
-check/ACH (I<CHEK>), or just add any necessary (pseudo-)payment (I<COMP>).
+  my $part_pkg = $params{part_pkg} or die "no part_pkg specified";
+  my $cust_pkg = $params{cust_pkg} or die "no cust_pkg specified";
+  my $precommit_hooks = $params{precommit_hooks} or die "no package specified";
+  my $cust_bill_pkgs = $params{line_items} or die "no line buffer specified";
+  my $total_setup = $params{setup} or die "no setup accumulator specified";
+  my $total_recur = $params{recur} or die "no recur accumulator specified";
+  my $taxlisthash = $params{tax_matrix} or die "no tax accumulator specified";
+  my $time = $params{'time'} or die "no time specified";
+  my (%options) = %{$params{options}};
 
-Most actions are now triggered by invoice events; see L<FS::part_bill_event>
-and the invoice events web interface.
+  my $dbh = dbh;
+  my $real_pkgpart = $cust_pkg->pkgpart;
+  my %hash = $cust_pkg->hash;
+  my $old_cust_pkg = new FS::cust_pkg \%hash;
 
-If there is an error, returns the error, otherwise returns false.
+  my @details = ();
 
-Options are passed as name-value pairs.
+  my $lineitems = 0;
 
-Currently available options are:
+  $cust_pkg->pkgpart($part_pkg->pkgpart);
 
-invoice_time - Use this time when deciding when to print invoices and
-late notices on those invoices.  The default is now.  It is specified as a UNIX timestamp; see L<perlfunc/"time">).  Also see L<Time::Local> and L<Date::Parse>
-for conversion functions.
+  ###
+  # bill setup
+  ###
 
-retry - Retry card/echeck/LEC transactions even when not scheduled by invoice
-events.
+  my $setup = 0;
+  my $unitsetup = 0;
+  if ( ! $cust_pkg->setup &&
+       (
+         ( $conf->exists('disable_setup_suspended_pkgs') &&
+          ! $cust_pkg->getfield('susp')
+        ) || ! $conf->exists('disable_setup_suspended_pkgs')
+       )
+    || $options{'resetup'}
+  ) {
+    
+    warn "    bill setup\n" if $DEBUG > 1;
+    $lineitems++;
 
-quiet - set true to surpress email card/ACH decline notices.
+    $setup = eval { $cust_pkg->calc_setup( $time, \@details ) };
+    return "$@ running calc_setup for $cust_pkg\n"
+      if $@;
 
-freq - "1d" for the traditional, daily events (the default), or "1m" for the
-new monthly events
+    $unitsetup = $cust_pkg->part_pkg->unit_setup || $setup; #XXX uuh
 
-payby - allows for one time override of normal customer billing method
+    $cust_pkg->setfield('setup', $time)
+      unless $cust_pkg->setup;
+          #do need it, but it won't get written to the db
+          #|| $cust_pkg->pkgpart != $real_pkgpart;
 
-=cut
+  }
 
-sub collect {
-  my( $self, %options ) = @_;
-  my $invoice_time = $options{'invoice_time'} || time;
+  ###
+  # bill recurring fee
+  ### 
+
+  #XXX unit stuff here too
+  my $recur = 0;
+  my $unitrecur = 0;
+  my $sdate;
+  if ( ! $cust_pkg->getfield('susp') and
+           ( $part_pkg->getfield('freq') ne '0' &&
+             ( $cust_pkg->getfield('bill') || 0 ) <= $time
+           )
+        || ( $part_pkg->plan eq 'voip_cdr'
+              && $part_pkg->option('bill_every_call')
+           )
+  ) {
+
+    # XXX should this be a package event?  probably.  events are called
+    # at collection time at the moment, though...
+    $part_pkg->reset_usage($cust_pkg, 'debug'=>$DEBUG)
+      if $part_pkg->can('reset_usage');
+      #don't want to reset usage just cause we want a line item??
+      #&& $part_pkg->pkgpart == $real_pkgpart;
+
+    warn "    bill recur\n" if $DEBUG > 1;
+    $lineitems++;
+
+    # XXX shared with $recur_prog
+    $sdate = $cust_pkg->bill || $cust_pkg->setup || $time;
+
+    #over two params!  lets at least switch to a hashref for the rest...
+    my $increment_next_bill = ( $part_pkg->freq ne '0'
+                                && ( $cust_pkg->getfield('bill') || 0 ) <= $time
+                              );
+    my %param = ( 'precommit_hooks'     => $precommit_hooks,
+                  'increment_next_bill' => $increment_next_bill,
+                );
+
+    $recur = eval { $cust_pkg->calc_recur( \$sdate, \@details, \%param ) };
+    return "$@ running calc_recur for $cust_pkg\n"
+      if ( $@ );
+
+    if ( $increment_next_bill ) {
+
+      my $next_bill = $part_pkg->add_freq($sdate);
+      return "unparsable frequency: ". $part_pkg->freq
+        if $next_bill == -1;
+  
+      #pro-rating magic - if $recur_prog fiddled $sdate, want to use that
+      # only for figuring next bill date, nothing else, so, reset $sdate again
+      # here
+      $sdate = $cust_pkg->bill || $cust_pkg->setup || $time;
+      #no need, its in $hash{last_bill}# my $last_bill = $cust_pkg->last_bill;
+      $cust_pkg->last_bill($sdate);
+
+      $cust_pkg->setfield('bill', $next_bill );
+
+    }
+
+  }
+
+  warn "\$setup is undefined" unless defined($setup);
+  warn "\$recur is undefined" unless defined($recur);
+  warn "\$cust_pkg->bill is undefined" unless defined($cust_pkg->bill);
+  
+  ###
+  # If there's line items, create em cust_bill_pkg records
+  # If $cust_pkg has been modified, update it (if we're a real pkgpart)
+  ###
+
+  if ( $lineitems ) {
+
+    if ( $cust_pkg->modified && $cust_pkg->pkgpart == $real_pkgpart ) {
+      # hmm.. and if just the options are modified in some weird price plan?
+  
+      warn "  package ". $cust_pkg->pkgnum. " modified; updating\n"
+        if $DEBUG >1;
+  
+      my $error = $cust_pkg->replace( $old_cust_pkg,
+                                      'options' => { $cust_pkg->options },
+                                    );
+      return "Error modifying pkgnum ". $cust_pkg->pkgnum. ": $error"
+        if $error; #just in case
+    }
+  
+    $setup = sprintf( "%.2f", $setup );
+    $recur = sprintf( "%.2f", $recur );
+    if ( $setup < 0 && ! $conf->exists('allow_negative_charges') ) {
+      return "negative setup $setup for pkgnum ". $cust_pkg->pkgnum;
+    }
+    if ( $recur < 0 && ! $conf->exists('allow_negative_charges') ) {
+      return "negative recur $recur for pkgnum ". $cust_pkg->pkgnum;
+    }
+
+    if ( $setup != 0 || $recur != 0 ) {
+
+      warn "    charges (setup=$setup, recur=$recur); adding line items\n"
+        if $DEBUG > 1;
+
+      my @cust_pkg_detail = map { $_->detail } $cust_pkg->cust_pkg_detail('I');
+      if ( $DEBUG > 1 ) {
+        warn "      adding customer package invoice detail: $_\n"
+          foreach @cust_pkg_detail;
+      }
+      push @details, @cust_pkg_detail;
+
+      my $cust_bill_pkg = new FS::cust_bill_pkg {
+        'pkgnum'    => $cust_pkg->pkgnum,
+        'setup'     => $setup,
+        'unitsetup' => $unitsetup,
+        'recur'     => $recur,
+        'unitrecur' => $unitrecur,
+        'quantity'  => $cust_pkg->quantity,
+        'details'   => \@details,
+      };
+
+      if ( $part_pkg->option('recur_temporality', 1) eq 'preceding' ) {
+        $cust_bill_pkg->sdate( $hash{last_bill} );
+        $cust_bill_pkg->edate( $sdate - 86399   ); #60s*60m*24h-1
+      } else { #if ( $part_pkg->option('recur_temporality', 1) eq 'upcoming' ) {
+        $cust_bill_pkg->sdate( $sdate );
+        $cust_bill_pkg->edate( $cust_pkg->bill );
+      }
+
+      $cust_bill_pkg->pkgpart_override($part_pkg->pkgpart)
+        unless $part_pkg->pkgpart == $real_pkgpart;
+
+      $$total_setup += $setup;
+      $$total_recur += $recur;
+
+      ###
+      # handle taxes
+      ###
+
+      my $error = 
+        $self->_handle_taxes($part_pkg, $taxlisthash, $cust_bill_pkg, $cust_pkg, $options{invoice_time});
+      return $error if $error;
+
+      push @$cust_bill_pkgs, $cust_bill_pkg;
+
+    } #if $setup != 0 || $recur != 0
+      
+  } #if $line_items
+
+  '';
+
+}
+
+sub _handle_taxes {
+  my $self = shift;
+  my $part_pkg = shift;
+  my $taxlisthash = shift;
+  my $cust_bill_pkg = shift;
+  my $cust_pkg = shift;
+  my $invoice_time = shift;
+
+  my %cust_bill_pkg = ();
+  my %taxes = ();
+    
+  my @classes;
+  #push @classes, $cust_bill_pkg->usage_classes if $cust_bill_pkg->type eq 'U';
+  push @classes, $cust_bill_pkg->usage_classes if $cust_bill_pkg->usage;
+  push @classes, 'setup' if $cust_bill_pkg->setup;
+  push @classes, 'recur' if $cust_bill_pkg->recur;
+
+  if ( $self->tax !~ /Y/i && $self->payby ne 'COMP' ) {
+
+    if ( $conf->exists('enable_taxproducts')
+         && ( scalar($part_pkg->part_pkg_taxoverride)
+              || $part_pkg->has_taxproduct
+            )
+       )
+    {
+
+      if ( $conf->exists('tax-pkg_address') && $cust_pkg->locationnum ) {
+        return "fatal: Can't (yet) use tax-pkg_address with taxproducts";
+      }
+
+      foreach my $class (@classes) {
+        my $err_or_ref = $self->_gather_taxes( $part_pkg, $class );
+        return $err_or_ref unless ref($err_or_ref);
+        $taxes{$class} = $err_or_ref;
+      }
+
+      unless (exists $taxes{''}) {
+        my $err_or_ref = $self->_gather_taxes( $part_pkg, '' );
+        return $err_or_ref unless ref($err_or_ref);
+        $taxes{''} = $err_or_ref;
+      }
+
+    } else {
+
+      my @loc_keys = qw( state county country );
+      my %taxhash;
+      if ( $conf->exists('tax-pkg_address') && $cust_pkg->locationnum ) {
+        my $cust_location = $cust_pkg->cust_location;
+        %taxhash = map { $_ => $cust_location->$_()    } @loc_keys;
+      } else {
+        my $prefix = 
+          ( $conf->exists('tax-ship_address') && length($self->ship_last) )
+          ? 'ship_'
+          : '';
+        %taxhash = map { $_ => $self->get("$prefix$_") } @loc_keys;
+      }
+
+      $taxhash{'taxclass'} = $part_pkg->taxclass;
+
+      my @taxes = qsearch( 'cust_main_county', \%taxhash );
+
+      my %taxhash_elim = %taxhash;
+
+      my @elim = qw( taxclass county state );
+      while ( !scalar(@taxes) && scalar(@elim) ) {
+        $taxhash_elim{ shift(@elim) } = '';
+        @taxes = qsearch( 'cust_main_county', \%taxhash_elim );
+      }
+
+      @taxes = grep { ! $_->taxname or ! $self->tax_exemption($_->taxname) }
+                    @taxes
+        if $self->cust_main_exemption; #just to be safe
+
+      if ( $conf->exists('tax-pkg_address') && $cust_pkg->locationnum ) {
+        foreach (@taxes) {
+          $_->set('pkgnum',      $cust_pkg->pkgnum );
+          $_->set('locationnum', $cust_pkg->locationnum );
+        }
+      }
+
+      $taxes{''} = [ @taxes ];
+      $taxes{'setup'} = [ @taxes ];
+      $taxes{'recur'} = [ @taxes ];
+      $taxes{$_} = [ @taxes ] foreach (@classes);
+
+      # # maybe eliminate this entirely, along with all the 0% records
+      # unless ( @taxes ) {
+      #   return
+      #     "fatal: can't find tax rate for state/county/country/taxclass ".
+      #     join('/', map $taxhash{$_}, qw(state county country taxclass) );
+      # }
+
+    } #if $conf->exists('enable_taxproducts') ...
+
+  }
+ 
+  my @display = ();
+  if ( $conf->exists('separate_usage') ) {
+    my $section = $cust_pkg->part_pkg->option('usage_section', 'Hush!');
+    my $summary = $cust_pkg->part_pkg->option('summarize_usage', 'Hush!');
+    push @display, new FS::cust_bill_pkg_display { type    => 'S' };
+    push @display, new FS::cust_bill_pkg_display { type    => 'R' };
+    push @display, new FS::cust_bill_pkg_display { type    => 'U',
+                                                   section => $section
+                                                 };
+    if ($section && $summary) {
+      $display[2]->post_total('Y');
+      push @display, new FS::cust_bill_pkg_display { type    => 'U',
+                                                     summary => 'Y',
+                                                   }
+    }
+  }
+  $cust_bill_pkg->set('display', \@display);
+
+  my %tax_cust_bill_pkg = $cust_bill_pkg->disintegrate;
+  foreach my $key (keys %tax_cust_bill_pkg) {
+    my @taxes = @{ $taxes{$key} || [] };
+    my $tax_cust_bill_pkg = $tax_cust_bill_pkg{$key};
+
+    my %localtaxlisthash = ();
+    foreach my $tax ( @taxes ) {
+
+      my $taxname = ref( $tax ). ' '. $tax->taxnum;
+#      $taxname .= ' pkgnum'. $cust_pkg->pkgnum.
+#                  ' locationnum'. $cust_pkg->locationnum
+#        if $conf->exists('tax-pkg_address') && $cust_pkg->locationnum;
+
+      $taxlisthash->{ $taxname } ||= [ $tax ];
+      push @{ $taxlisthash->{ $taxname  } }, $tax_cust_bill_pkg;
+
+      $localtaxlisthash{ $taxname } ||= [ $tax ];
+      push @{ $localtaxlisthash{ $taxname  } }, $tax_cust_bill_pkg;
+
+    }
+
+    warn "finding taxed taxes...\n" if $DEBUG > 2;
+    foreach my $tax ( keys %localtaxlisthash ) {
+      my $tax_object = shift @{ $localtaxlisthash{$tax} };
+      warn "found possible taxed tax ". $tax_object->taxname. " we call $tax\n"
+        if $DEBUG > 2;
+      next unless $tax_object->can('tax_on_tax');
+
+      foreach my $tot ( $tax_object->tax_on_tax( $self ) ) {
+        my $totname = ref( $tot ). ' '. $tot->taxnum;
+
+        warn "checking $totname which we call ". $tot->taxname. " as applicable\n"
+          if $DEBUG > 2;
+        next unless exists( $localtaxlisthash{ $totname } ); # only increase
+                                                             # existing taxes
+        warn "adding $totname to taxed taxes\n" if $DEBUG > 2;
+        my $hashref_or_error = 
+          $tax_object->taxline( $localtaxlisthash{$tax},
+                                'custnum'      => $self->custnum,
+                                'invoice_time' => $invoice_time,
+                              );
+        return $hashref_or_error
+          unless ref($hashref_or_error);
+        
+        $taxlisthash->{ $totname } ||= [ $tot ];
+        push @{ $taxlisthash->{ $totname  } }, $hashref_or_error->{amount};
+
+      }
+    }
+
+  }
+
+  '';
+}
+
+sub _gather_taxes {
+  my $self = shift;
+  my $part_pkg = shift;
+  my $class = shift;
+
+  my @taxes = ();
+  my $geocode = $self->geocode('cch');
+
+  my @taxclassnums = map { $_->taxclassnum }
+                     $part_pkg->part_pkg_taxoverride($class);
+
+  unless (@taxclassnums) {
+    @taxclassnums = map { $_->taxclassnum }
+                    $part_pkg->part_pkg_taxrate('cch', $geocode, $class);
+  }
+  warn "Found taxclassnum values of ". join(',', @taxclassnums)
+    if $DEBUG;
+
+  my $extra_sql =
+    "AND (".
+    join(' OR ', map { "taxclassnum = $_" } @taxclassnums ). ")";
+
+  @taxes = qsearch({ 'table' => 'tax_rate',
+                     'hashref' => { 'geocode' => $geocode, },
+                     'extra_sql' => $extra_sql,
+                  })
+    if scalar(@taxclassnums);
+
+  warn "Found taxes ".
+       join(',', map{ ref($_). " ". $_->get($_->primary_key) } @taxes). "\n" 
+   if $DEBUG;
+
+  [ @taxes ];
+
+}
+
+=item collect OPTIONS
+
+(Attempt to) collect money for this customer's outstanding invoices (see
+L<FS::cust_bill>).  Usually used after the bill method.
+
+Actions are now triggered by billing events; see L<FS::part_event> and the
+billing events web interface.  Old-style invoice events (see
+L<FS::part_bill_event>) have been deprecated.
+
+If there is an error, returns the error, otherwise returns false.
+
+Options are passed as name-value pairs.
+
+Currently available options are:
+
+=over 4
+
+=item invoice_time
+
+Use this time when deciding when to print invoices and late notices on those invoices.  The default is now.  It is specified as a UNIX timestamp; see L<perlfunc/"time">).  Also see L<Time::Local> and L<Date::Parse> for conversion functions.
+
+=item retry
+
+Retry card/echeck/LEC transactions even when not scheduled by invoice events.
+
+=item quiet
+
+set true to surpress email card/ACH decline notices.
+
+=item check_freq
+
+"1d" for the traditional, daily events (the default), or "1m" for the new monthly events (part_event.check_freq)
+
+=item payby
+
+allows for one time override of normal customer billing method
+
+=item debug
+
+Debugging level.  Default is 0 (no debugging), or can be set to 1 (passed-in options), 2 (traces progress), 3 (more information), or 4 (include full search queries)
+
+
+=back
+
+=cut
+
+sub collect {
+  my( $self, %options ) = @_;
+  my $invoice_time = $options{'invoice_time'} || time;
 
   #put below somehow?
   local $SIG{HUP} = 'IGNORE';
@@ -2246,12 +3172,9 @@ sub collect {
 
   $self->select_for_update; #mutex
 
-  my $balance = $self->balance;
-  warn "$me collect customer ". $self->custnum. ": balance $balance\n"
-    if $DEBUG;
-  unless ( $balance > 0 ) { #redundant?????
-    $dbh->rollback if $oldAutoCommit; #hmm
-    return '';
+  if ( $DEBUG ) {
+    my $balance = $self->balance;
+    warn "$me collect customer ". $self->custnum. ": balance $balance\n"
   }
 
   if ( exists($options{'retry_card'}) ) {
@@ -2266,45 +3189,48 @@ sub collect {
     }
   }
 
-  my $extra_sql = '';
-  if ( defined $options{'freq'} && $options{'freq'} eq '1m' ) {
-    $extra_sql = " AND freq = '1m' ";
-  } else {
-    $extra_sql = " AND ( freq = '1d' OR freq IS NULL OR freq = '' ) ";
-  }
-
-  foreach my $cust_bill ( $self->open_cust_bill ) {
-
-    # don't try to charge for the same invoice if it's already in a batch
-    #next if qsearchs( 'cust_pay_batch', { 'invnum' => $cust_bill->invnum } );
-
-    last if $self->balance <= 0;
+  # false laziness w/pay_batch::import_results
 
-    warn "  invnum ". $cust_bill->invnum. " (owed ". $cust_bill->owed. ")\n"
-      if $DEBUG > 1;
+  my $due_cust_event = $self->due_cust_event(
+    'debug'      => ( $options{'debug'} || 0 ),
+    'time'       => $invoice_time,
+    'check_freq' => $options{'check_freq'},
+  );
+  unless( ref($due_cust_event) ) {
+    $dbh->rollback if $oldAutoCommit;
+    return $due_cust_event;
+  }
 
-    foreach my $part_bill_event ( due_events ( $cust_bill,
-                                               exists($options{'payby'}) 
-					         ? $options{'payby'}
-						 : $self->payby,
-					       $invoice_time,
-					       $extra_sql ) ) {
+  foreach my $cust_event ( @$due_cust_event ) {
 
-      last if $cust_bill->owed <= 0  # don't run subsequent events if owed<=0
-           || $self->balance   <= 0; # or if balance<=0
+    #XXX lock event
+    
+    #re-eval event conditions (a previous event could have changed things)
+    unless ( $cust_event->test_conditions( 'time' => $invoice_time ) ) {
+      #don't leave stray "new/locked" records around
+      my $error = $cust_event->delete;
+      if ( $error ) {
+        #gah, even with transactions
+        $dbh->commit if $oldAutoCommit; #well.
+        return $error;
+      }
+      next;
+    }
 
-      {
-        local $realtime_bop_decline_quiet = 1 if $options{'quiet'};
-        warn "  do_event " .  $cust_bill . " ". (%options) .  "\n"
-          if $DEBUG > 1;
+    {
+      local $realtime_bop_decline_quiet = 1 if $options{'quiet'};
+      warn "  running cust_event ". $cust_event->eventnum. "\n"
+        if $DEBUG > 1;
 
-        if (my $error = $part_bill_event->do_event($cust_bill, %options)) {
+      
+      #if ( my $error = $cust_event->do_event(%options) ) { #XXX %options?
+      if ( my $error = $cust_event->do_event() ) {
+        #XXX wtf is this?  figure out a proper dealio with return value
+        #from do_event
 	  # gah, even with transactions.
 	  $dbh->commit if $oldAutoCommit; #well.
 	  return $error;
 	}
-      }
-
     }
 
   }
@@ -2314,21 +3240,64 @@ sub collect {
 
 }
 
-=item retry_realtime
+=item due_cust_event [ HASHREF | OPTION => VALUE ... ]
 
-Schedules realtime / batch  credit card / electronic check / LEC billing
-events for for retry.  Useful if card information has changed or manual
-retry is desired.  The 'collect' method must be called to actually retry
-the transaction.
+Inserts database records for and returns an ordered listref of new events due
+for this customer, as FS::cust_event objects (see L<FS::cust_event>).  If no
+events are due, an empty listref is returned.  If there is an error, returns a
+scalar error message.
+
+To actually run the events, call each event's test_condition method, and if
+still true, call the event's do_event method.
+
+Options are passed as a hashref or as a list of name-value pairs.  Available
+options are:
 
-Implementation details: For each of this customer's open invoices, changes
-the status of the first "done" (with statustext error) realtime processing
-event to "failed".
+=over 4
+
+=item check_freq
+
+Search only for events of this check frequency (how often events of this type are checked); currently "1d" (daily, the default) and "1m" (monthly) are recognized.
+
+=item time
+
+"Current time" for the events.
+
+=item debug
+
+Debugging level.  Default is 0 (no debugging), or can be set to 1 (passed-in options), 2 (traces progress), 3 (more information), or 4 (include full search queries)
+
+=item eventtable
+
+Only return events for the specified eventtable (by default, events of all eventtables are returned)
+
+=item objects
+
+Explicitly pass the objects to be tested (typically used with eventtable).
+
+=item testonly
+
+Set to true to return the objects, but not actually insert them into the
+database.
+
+=back
 
 =cut
 
-sub retry_realtime {
+sub due_cust_event {
   my $self = shift;
+  my %opt = ref($_[0]) ? %{ $_[0] } : @_;
+
+  #???
+  #my $DEBUG = $opt{'debug'}
+  local($DEBUG) = $opt{'debug'}
+    if defined($opt{'debug'}) && $opt{'debug'} > $DEBUG;
+
+  warn "$me due_cust_event called with options ".
+       join(', ', map { "$_: $opt{$_}" } keys %opt). "\n"
+    if $DEBUG;
+
+  $opt{'time'} ||= time;
 
   local $SIG{HUP} = 'IGNORE';
   local $SIG{INT} = 'IGNORE';
@@ -2341,98 +3310,344 @@ sub retry_realtime {
   local $FS::UID::AutoCommit = 0;
   my $dbh = dbh;
 
-  foreach my $cust_bill (
-    grep { $_->cust_bill_event }
-      $self->open_cust_bill
-  ) {
-    my @cust_bill_event =
-      sort { $a->part_bill_event->seconds <=> $b->part_bill_event->seconds }
-        grep {
-               #$_->part_bill_event->plan eq 'realtime-card'
-               $_->part_bill_event->eventcode =~
-                   /\$cust_bill\->(batch|realtime)_(card|ach|lec)/
-                 && $_->status eq 'done'
-                 && $_->statustext
-             }
-          $cust_bill->cust_bill_event;
-    next unless @cust_bill_event;
-    my $error = $cust_bill_event[0]->retry;
-    if ( $error ) {
-      $dbh->rollback if $oldAutoCommit;
-      return "error scheduling invoice event for retry: $error";
-    }
+  $self->select_for_update #mutex
+    unless $opt{testonly};
 
-  }
+  ###
+  # 1: find possible events (initial search)
+  ###
+  
+  my @cust_event = ();
 
-  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
-  '';
+  my @eventtable = $opt{'eventtable'}
+                     ? ( $opt{'eventtable'} )
+                     : FS::part_event->eventtables_runorder;
 
-}
+  foreach my $eventtable ( @eventtable ) {
 
-=item realtime_bop METHOD AMOUNT [ OPTION => VALUE ... ]
+    my @objects;
+    if ( $opt{'objects'} ) {
 
-Runs a realtime credit card, ACH (electronic check) or phone bill transaction
-via a Business::OnlinePayment realtime gateway.  See
-L<http://420.am/business-onlinepayment> for supported gateways.
+      @objects = @{ $opt{'objects'} };
 
-Available methods are: I<CC>, I<ECHECK> and I<LEC>
+    } else {
 
-Available options are: I<description>, I<invnum>, I<quiet>
+      #my @objects = $self->eventtable(); # sub cust_main { @{ [ $self ] }; }
+      @objects = ( $eventtable eq 'cust_main' )
+                   ? ( $self )
+                   : ( $self->$eventtable() );
 
-The additional options I<payname>, I<address1>, I<address2>, I<city>, I<state>,
-I<zip>, I<payinfo> and I<paydate> are also available.  Any of these options,
-if set, will override the value from the customer record.
+    }
 
-I<description> is a free-text field passed to the gateway.  It defaults to
-"Internet services".
+    my @e_cust_event = ();
 
-If an I<invnum> is specified, this payment (if successful) is applied to the
-specified invoice.  If you don't specify an I<invnum> you might want to
-call the B<apply_payments> method.
+    my $cross = "CROSS JOIN $eventtable";
+    $cross .= ' LEFT JOIN cust_main USING ( custnum )'
+      unless $eventtable eq 'cust_main';
 
-I<quiet> can be set true to surpress email decline notices.
+    foreach my $object ( @objects ) {
 
-(moved from cust_bill) (probably should get realtime_{card,ach,lec} here too)
+      #this first search uses the condition_sql magic for optimization.
+      #the more possible events we can eliminate in this step the better
 
-=cut
+      my $cross_where = '';
+      my $pkey = $object->primary_key;
+      $cross_where = "$eventtable.$pkey = ". $object->$pkey();
 
-sub realtime_bop {
-  my( $self, $method, $amount, %options ) = @_;
-  if ( $DEBUG ) {
-    warn "$me realtime_bop: $method $amount\n";
-    warn "  $_ => $options{$_}\n" foreach keys %options;
-  }
+      my $join = FS::part_event_condition->join_conditions_sql( $eventtable );
+      my $extra_sql =
+        FS::part_event_condition->where_conditions_sql( $eventtable,
+                                                        'time'=>$opt{'time'}
+                                                      );
+      my $order = FS::part_event_condition->order_conditions_sql( $eventtable );
 
-  $options{'description'} ||= 'Internet services';
+      $extra_sql = "AND $extra_sql" if $extra_sql;
 
-  eval "use Business::OnlinePayment";  
-  die $@ if $@;
+      #here is the agent virtualization
+      $extra_sql .= " AND (    part_event.agentnum IS NULL
+                            OR part_event.agentnum = ". $self->agentnum. ' )';
 
-  my $payinfo = exists($options{'payinfo'})
-                  ? $options{'payinfo'}
-                  : $self->payinfo;
+      $extra_sql .= " $order";
 
-  ###
-  # select a gateway
-  ###
+      warn "searching for events for $eventtable ". $object->$pkey. "\n"
+        if $opt{'debug'} > 2;
+      my @part_event = qsearch( {
+        'debug'     => ( $opt{'debug'} > 3 ? 1 : 0 ),
+        'select'    => 'part_event.*',
+        'table'     => 'part_event',
+        'addl_from' => "$cross $join",
+        'hashref'   => { 'check_freq' => ( $opt{'check_freq'} || '1d' ),
+                         'eventtable' => $eventtable,
+                         'disabled'   => '',
+                       },
+        'extra_sql' => "AND $cross_where $extra_sql",
+      } );
+
+      if ( $DEBUG > 2 ) {
+        my $pkey = $object->primary_key;
+        warn "      ". scalar(@part_event).
+             " possible events found for $eventtable ". $object->$pkey(). "\n";
+      }
+
+      push @e_cust_event, map { $_->new_cust_event($object) } @part_event;
 
-  my $taxclass = '';
-  if ( $options{'invnum'} ) {
-    my $cust_bill = qsearchs('cust_bill', { 'invnum' => $options{'invnum'} } );
-    die "invnum ". $options{'invnum'}. " not found" unless $cust_bill;
-    my @taxclasses =
-      map  { $_->part_pkg->taxclass }
-      grep { $_ }
-      map  { $_->cust_pkg }
-      $cust_bill->cust_bill_pkg;
-    unless ( grep { $taxclasses[0] ne $_ } @taxclasses ) { #unless there are
-                                                           #different taxclasses
-      $taxclass = $taxclasses[0];
     }
-  }
 
-  #look for an agent gateway override first
-  my $cardtype;
+    warn "    ". scalar(@e_cust_event).
+         " subtotal possible cust events found for $eventtable\n"
+      if $DEBUG > 1;
+
+    push @cust_event, @e_cust_event;
+
+  }
+
+  warn "  ". scalar(@cust_event).
+       " total possible cust events found in initial search\n"
+    if $DEBUG; # > 1;
+
+  ##
+  # 2: test conditions
+  ##
+  
+  my %unsat = ();
+
+  @cust_event = grep $_->test_conditions( 'time'          => $opt{'time'},
+                                          'stats_hashref' => \%unsat ),
+                     @cust_event;
+
+  warn "  ". scalar(@cust_event). " cust events left satisfying conditions\n"
+    if $DEBUG; # > 1;
+
+  warn "    invalid conditions not eliminated with condition_sql:\n".
+       join('', map "      $_: ".$unsat{$_}."\n", keys %unsat )
+    if $DEBUG; # > 1;
+
+  ##
+  # 3: insert
+  ##
+
+  unless( $opt{testonly} ) {
+    foreach my $cust_event ( @cust_event ) {
+
+      my $error = $cust_event->insert();
+      if ( $error ) {
+        $dbh->rollback if $oldAutoCommit;
+        return $error;
+      }
+                                       
+    }
+  }
+
+  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
+
+  ##
+  # 4: return
+  ##
+
+  warn "  returning events: ". Dumper(@cust_event). "\n"
+    if $DEBUG > 2;
+
+  \@cust_event;
+
+}
+
+=item retry_realtime
+
+Schedules realtime / batch  credit card / electronic check / LEC billing
+events for for retry.  Useful if card information has changed or manual
+retry is desired.  The 'collect' method must be called to actually retry
+the transaction.
+
+Implementation details: For either this customer, or for each of this
+customer's open invoices, changes the status of the first "done" (with
+statustext error) realtime processing event to "failed".
+
+=cut
+
+sub retry_realtime {
+  my $self = shift;
+
+  local $SIG{HUP} = 'IGNORE';
+  local $SIG{INT} = 'IGNORE';
+  local $SIG{QUIT} = 'IGNORE';
+  local $SIG{TERM} = 'IGNORE';
+  local $SIG{TSTP} = 'IGNORE';
+  local $SIG{PIPE} = 'IGNORE';
+
+  my $oldAutoCommit = $FS::UID::AutoCommit;
+  local $FS::UID::AutoCommit = 0;
+  my $dbh = dbh;
+
+  #a little false laziness w/due_cust_event (not too bad, really)
+
+  my $join = FS::part_event_condition->join_conditions_sql;
+  my $order = FS::part_event_condition->order_conditions_sql;
+  my $mine = 
+  '( '
+   . join ( ' OR ' , map { 
+    "( part_event.eventtable = " . dbh->quote($_) 
+    . " AND tablenum IN( SELECT " . dbdef->table($_)->primary_key . " from $_ where custnum = " . dbh->quote( $self->custnum ) . "))" ;
+   } FS::part_event->eventtables)
+   . ') ';
+
+  #here is the agent virtualization
+  my $agent_virt = " (    part_event.agentnum IS NULL
+                       OR part_event.agentnum = ". $self->agentnum. ' )';
+
+  #XXX this shouldn't be hardcoded, actions should declare it...
+  my @realtime_events = qw(
+    cust_bill_realtime_card
+    cust_bill_realtime_check
+    cust_bill_realtime_lec
+    cust_bill_batch
+  );
+
+  my $is_realtime_event = ' ( '. join(' OR ', map "part_event.action = '$_'",
+                                                  @realtime_events
+                                     ).
+                          ' ) ';
+
+  my @cust_event = qsearchs({
+    'table'     => 'cust_event',
+    'select'    => 'cust_event.*',
+    'addl_from' => "LEFT JOIN part_event USING ( eventpart ) $join",
+    'hashref'   => { 'status' => 'done' },
+    'extra_sql' => " AND statustext IS NOT NULL AND statustext != '' ".
+                   " AND $mine AND $is_realtime_event AND $agent_virt $order" # LIMIT 1"
+  });
+
+  my %seen_invnum = ();
+  foreach my $cust_event (@cust_event) {
+
+    #max one for the customer, one for each open invoice
+    my $cust_X = $cust_event->cust_X;
+    next if $seen_invnum{ $cust_event->part_event->eventtable eq 'cust_bill'
+                          ? $cust_X->invnum
+                          : 0
+                        }++
+         or $cust_event->part_event->eventtable eq 'cust_bill'
+            && ! $cust_X->owed;
+
+    my $error = $cust_event->retry;
+    if ( $error ) {
+      $dbh->rollback if $oldAutoCommit;
+      return "error scheduling event for retry: $error";
+    }
+
+  }
+
+  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
+  '';
+
+}
+
+# some horrid false laziness here to avoid refactor fallout
+# eventually realtime realtime_bop and realtime_refund_bop should go
+# away and be replaced by _new_realtime_bop and _new_realtime_refund_bop
+
+=item realtime_bop METHOD AMOUNT [ OPTION => VALUE ... ]
+
+Runs a realtime credit card, ACH (electronic check) or phone bill transaction
+via a Business::OnlinePayment realtime gateway.  See
+L<http://420.am/business-onlinepayment> for supported gateways.
+
+Available methods are: I<CC>, I<ECHECK> and I<LEC>
+
+Available options are: I<description>, I<invnum>, I<quiet>, I<paynum_ref>, I<payunique>
+
+The additional options I<payname>, I<address1>, I<address2>, I<city>, I<state>,
+I<zip>, I<payinfo> and I<paydate> are also available.  Any of these options,
+if set, will override the value from the customer record.
+
+I<description> is a free-text field passed to the gateway.  It defaults to
+"Internet services".
+
+If an I<invnum> is specified, this payment (if successful) is applied to the
+specified invoice.  If you don't specify an I<invnum> you might want to
+call the B<apply_payments> method.
+
+I<quiet> can be set true to surpress email decline notices.
+
+I<paynum_ref> can be set to a scalar reference.  It will be filled in with the
+resulting paynum, if any.
+
+I<payunique> is a unique identifier for this payment.
+
+(moved from cust_bill) (probably should get realtime_{card,ach,lec} here too)
+
+=cut
+
+sub realtime_bop {
+  my $self = shift;
+
+  return $self->_new_realtime_bop(@_)
+    if $self->_new_bop_required();
+
+  my( $method, $amount, %options ) = @_;
+  if ( $DEBUG ) {
+    warn "$me realtime_bop: $method $amount\n";
+    warn "  $_ => $options{$_}\n" foreach keys %options;
+  }
+
+  $options{'description'} ||= 'Internet services';
+
+  return $self->fake_bop($method, $amount, %options) if $options{'fake'};
+
+  eval "use Business::OnlinePayment";  
+  die $@ if $@;
+
+  my $payinfo = exists($options{'payinfo'})
+                  ? $options{'payinfo'}
+                  : $self->payinfo;
+
+  my %method2payby = (
+    'CC'     => 'CARD',
+    'ECHECK' => 'CHEK',
+    'LEC'    => 'LECB',
+  );
+
+  ###
+  # check for banned credit card/ACH
+  ###
+
+  my $ban = qsearchs('banned_pay', {
+    'payby'   => $method2payby{$method},
+    'payinfo' => md5_base64($payinfo),
+  } );
+  return "Banned credit card" if $ban;
+
+  ###
+  # set taxclass and trans_is_recur based on invnum if there is one
+  ###
+
+  my $taxclass = '';
+  my $trans_is_recur = 0;
+  if ( $options{'invnum'} ) {
+
+    my $cust_bill = qsearchs('cust_bill', { 'invnum' => $options{'invnum'} } );
+    die "invnum ". $options{'invnum'}. " not found" unless $cust_bill;
+
+    my @part_pkg =
+      map  { $_->part_pkg }
+      grep { $_ }
+      map  { $_->cust_pkg }
+      $cust_bill->cust_bill_pkg;
+
+    my @taxclasses = map $_->taxclass, @part_pkg;
+    $taxclass = $taxclasses[0]
+      unless grep { $taxclasses[0] ne $_ } @taxclasses; #unless there are
+                                                        #different taxclasses
+    $trans_is_recur = 1
+      if grep { $_->freq ne '0' } @part_pkg;
+
+  }
+
+  ###
+  # select a gateway
+  ###
+
+  #look for an agent gateway override first
+  my $cardtype;
   if ( $method eq 'CC' ) {
     $cardtype = cardtype($payinfo);
   } elsif ( $method eq 'ECHECK' ) {
@@ -2472,36 +3687,1089 @@ sub realtime_bop {
     ( $processor, $login, $password, $action, @bop_options ) =
       $self->default_payment_gateway($method);
 
-  }
+  }
+
+  ###
+  # massage data
+  ###
+
+  my $address = exists($options{'address1'})
+                    ? $options{'address1'}
+                    : $self->address1;
+  my $address2 = exists($options{'address2'})
+                    ? $options{'address2'}
+                    : $self->address2;
+  $address .= ", ". $address2 if length($address2);
+
+  my $o_payname = exists($options{'payname'})
+                    ? $options{'payname'}
+                    : $self->payname;
+  my($payname, $payfirst, $paylast);
+  if ( $o_payname && $method ne 'ECHECK' ) {
+    ($payname = $o_payname) =~ /^\s*([\w \,\.\-\']*)?\s+([\w\,\.\-\']+)\s*$/
+      or return "Illegal payname $payname";
+    ($payfirst, $paylast) = ($1, $2);
+  } else {
+    $payfirst = $self->getfield('first');
+    $paylast = $self->getfield('last');
+    $payname =  "$payfirst $paylast";
+  }
+
+  my @invoicing_list = $self->invoicing_list_emailonly;
+  if ( $conf->exists('emailinvoiceautoalways')
+       || $conf->exists('emailinvoiceauto') && ! @invoicing_list
+       || ( $conf->exists('emailinvoiceonly') && ! @invoicing_list ) ) {
+    push @invoicing_list, $self->all_emails;
+  }
+
+  my $email = ($conf->exists('business-onlinepayment-email-override'))
+              ? $conf->config('business-onlinepayment-email-override')
+              : $invoicing_list[0];
+
+  my %content = ();
+
+  my $payip = exists($options{'payip'})
+                ? $options{'payip'}
+                : $self->payip;
+  $content{customer_ip} = $payip
+    if length($payip);
+
+  $content{invoice_number} = $options{'invnum'}
+    if exists($options{'invnum'}) && length($options{'invnum'});
+
+  $content{email_customer} = 
+    (    $conf->exists('business-onlinepayment-email_customer')
+      || $conf->exists('business-onlinepayment-email-override') );
+      
+  my $paydate = '';
+  if ( $method eq 'CC' ) { 
+
+    $content{card_number} = $payinfo;
+    $paydate = exists($options{'paydate'})
+                    ? $options{'paydate'}
+                    : $self->paydate;
+    $paydate =~ /^\d{2}(\d{2})[\/\-](\d+)[\/\-]\d+$/;
+    $content{expiration} = "$2/$1";
+
+    my $paycvv = exists($options{'paycvv'})
+                   ? $options{'paycvv'}
+                   : $self->paycvv;
+    $content{cvv2} = $paycvv
+      if length($paycvv);
+
+    my $paystart_month = exists($options{'paystart_month'})
+                           ? $options{'paystart_month'}
+                           : $self->paystart_month;
+
+    my $paystart_year  = exists($options{'paystart_year'})
+                           ? $options{'paystart_year'}
+                           : $self->paystart_year;
+
+    $content{card_start} = "$paystart_month/$paystart_year"
+      if $paystart_month && $paystart_year;
+
+    my $payissue       = exists($options{'payissue'})
+                           ? $options{'payissue'}
+                           : $self->payissue;
+    $content{issue_number} = $payissue if $payissue;
+
+    if ( $self->_bop_recurring_billing( 'payinfo'        => $payinfo,
+                                        'trans_is_recur' => $trans_is_recur,
+                                      )
+       )
+    {
+      $content{recurring_billing} = 'YES';
+      $content{acct_code} = 'rebill'
+        if $conf->exists('credit_card-recurring_billing_acct_code');
+    }
+
+  } elsif ( $method eq 'ECHECK' ) {
+    ( $content{account_number}, $content{routing_code} ) =
+      split('@', $payinfo);
+    $content{bank_name} = $o_payname;
+    $content{bank_state} = exists($options{'paystate'})
+                             ? $options{'paystate'}
+                             : $self->getfield('paystate');
+    $content{account_type} = exists($options{'paytype'})
+                               ? uc($options{'paytype'}) || 'CHECKING'
+                               : uc($self->getfield('paytype')) || 'CHECKING';
+    $content{account_name} = $payname;
+    $content{customer_org} = $self->company ? 'B' : 'I';
+    $content{state_id}       = exists($options{'stateid'})
+                                 ? $options{'stateid'}
+                                 : $self->getfield('stateid');
+    $content{state_id_state} = exists($options{'stateid_state'})
+                                 ? $options{'stateid_state'}
+                                 : $self->getfield('stateid_state');
+    $content{customer_ssn} = exists($options{'ss'})
+                               ? $options{'ss'}
+                               : $self->ss;
+  } elsif ( $method eq 'LEC' ) {
+    $content{phone} = $payinfo;
+  }
+
+  ###
+  # run transaction(s)
+  ###
+
+  my $balance = exists( $options{'balance'} )
+                  ? $options{'balance'}
+                  : $self->balance;
+
+  $self->select_for_update; #mutex ... just until we get our pending record in
+
+  #the checks here are intended to catch concurrent payments
+  #double-form-submission prevention is taken care of in cust_pay_pending::check
+
+  #check the balance
+  return "The customer's balance has changed; $method transaction aborted."
+    if $self->balance < $balance;
+    #&& $self->balance < $amount; #might as well anyway?
+
+  #also check and make sure there aren't *other* pending payments for this cust
+
+  my @pending = qsearch('cust_pay_pending', {
+    'custnum' => $self->custnum,
+    'status'  => { op=>'!=', value=>'done' } 
+  });
+  return "A payment is already being processed for this customer (".
+         join(', ', map 'paypendingnum '. $_->paypendingnum, @pending ).
+         "); $method transaction aborted."
+    if scalar(@pending);
+
+  #okay, good to go, if we're a duplicate, cust_pay_pending will kick us out
+
+  my $cust_pay_pending = new FS::cust_pay_pending {
+    'custnum'           => $self->custnum,
+    #'invnum'            => $options{'invnum'},
+    'paid'              => $amount,
+    '_date'             => '',
+    'payby'             => $method2payby{$method},
+    'payinfo'           => $payinfo,
+    'paydate'           => $paydate,
+    'recurring_billing' => $content{recurring_billing},
+    'status'            => 'new',
+    'gatewaynum'        => ( $payment_gateway ? $payment_gateway->gatewaynum : '' ),
+  };
+  $cust_pay_pending->payunique( $options{payunique} )
+    if defined($options{payunique}) && length($options{payunique});
+  my $cpp_new_err = $cust_pay_pending->insert; #mutex lost when this is inserted
+  return $cpp_new_err if $cpp_new_err;
+
+  my( $action1, $action2 ) = split(/\s*\,\s*/, $action );
+
+  my $transaction = new Business::OnlinePayment( $processor, @bop_options );
+  $transaction->content(
+    'type'           => $method,
+    'login'          => $login,
+    'password'       => $password,
+    'action'         => $action1,
+    'description'    => $options{'description'},
+    'amount'         => $amount,
+    #'invoice_number' => $options{'invnum'},
+    'customer_id'    => $self->custnum,
+    'last_name'      => $paylast,
+    'first_name'     => $payfirst,
+    'name'           => $payname,
+    'address'        => $address,
+    'city'           => ( exists($options{'city'})
+                            ? $options{'city'}
+                            : $self->city          ),
+    'state'          => ( exists($options{'state'})
+                            ? $options{'state'}
+                            : $self->state          ),
+    'zip'            => ( exists($options{'zip'})
+                            ? $options{'zip'}
+                            : $self->zip          ),
+    'country'        => ( exists($options{'country'})
+                            ? $options{'country'}
+                            : $self->country          ),
+    'referer'        => 'http://cleanwhisker.420.am/', #XXX fix referer :/
+    'email'          => $email,
+    'phone'          => $self->daytime || $self->night,
+    %content, #after
+  );
+
+  $cust_pay_pending->status('pending');
+  my $cpp_pending_err = $cust_pay_pending->replace;
+  return $cpp_pending_err if $cpp_pending_err;
+
+  #config?
+  my $BOP_TESTING = 0;
+  my $BOP_TESTING_SUCCESS = 1;
+
+  unless ( $BOP_TESTING ) {
+    $transaction->submit();
+  } else {
+    if ( $BOP_TESTING_SUCCESS ) {
+      $transaction->is_success(1);
+      $transaction->authorization('fake auth');
+    } else {
+      $transaction->is_success(0);
+      $transaction->error_message('fake failure');
+    }
+  }
+
+  if ( $transaction->is_success() && $action2 ) {
+
+    $cust_pay_pending->status('authorized');
+    my $cpp_authorized_err = $cust_pay_pending->replace;
+    return $cpp_authorized_err if $cpp_authorized_err;
+
+    my $auth = $transaction->authorization;
+    my $ordernum = $transaction->can('order_number')
+                   ? $transaction->order_number
+                   : '';
+
+    my $capture =
+      new Business::OnlinePayment( $processor, @bop_options );
+
+    my %capture = (
+      %content,
+      type           => $method,
+      action         => $action2,
+      login          => $login,
+      password       => $password,
+      order_number   => $ordernum,
+      amount         => $amount,
+      authorization  => $auth,
+      description    => $options{'description'},
+    );
+
+    foreach my $field (qw( authorization_source_code returned_ACI
+                           transaction_identifier validation_code           
+                           transaction_sequence_num local_transaction_date    
+                           local_transaction_time AVS_result_code          )) {
+      $capture{$field} = $transaction->$field() if $transaction->can($field);
+    }
+
+    $capture->content( %capture );
+
+    $capture->submit();
+
+    unless ( $capture->is_success ) {
+      my $e = "Authorization successful but capture failed, custnum #".
+              $self->custnum. ': '.  $capture->result_code.
+              ": ". $capture->error_message;
+      warn $e;
+      return $e;
+    }
+
+  }
+
+  $cust_pay_pending->status($transaction->is_success() ? 'captured' : 'declined');
+  my $cpp_captured_err = $cust_pay_pending->replace;
+  return $cpp_captured_err if $cpp_captured_err;
+
+  ###
+  # remove paycvv after initial transaction
+  ###
+
+  #false laziness w/misc/process/payment.cgi - check both to make sure working
+  # correctly
+  if ( defined $self->dbdef_table->column('paycvv')
+       && length($self->paycvv)
+       && ! grep { $_ eq cardtype($payinfo) } $conf->config('cvv-save')
+  ) {
+    my $error = $self->remove_cvv;
+    if ( $error ) {
+      warn "WARNING: error removing cvv: $error\n";
+    }
+  }
+
+  ###
+  # result handling
+  ###
+
+  if ( $transaction->is_success() ) {
+
+    my $paybatch = '';
+    if ( $payment_gateway ) { # agent override
+      $paybatch = $payment_gateway->gatewaynum. '-';
+    }
+
+    $paybatch .= "$processor:". $transaction->authorization;
+
+    $paybatch .= ':'. $transaction->order_number
+      if $transaction->can('order_number')
+      && length($transaction->order_number);
+
+    my $cust_pay = new FS::cust_pay ( {
+       'custnum'  => $self->custnum,
+       'invnum'   => $options{'invnum'},
+       'paid'     => $amount,
+       '_date'    => '',
+       'payby'    => $method2payby{$method},
+       'payinfo'  => $payinfo,
+       'paybatch' => $paybatch,
+       'paydate'  => $paydate,
+    } );
+    #doesn't hurt to know, even though the dup check is in cust_pay_pending now
+    $cust_pay->payunique( $options{payunique} )
+      if defined($options{payunique}) && length($options{payunique});
+
+    my $oldAutoCommit = $FS::UID::AutoCommit;
+    local $FS::UID::AutoCommit = 0;
+    my $dbh = dbh;
+
+    #start a transaction, insert the cust_pay and set cust_pay_pending.status to done in a single transction
+
+    my $error = $cust_pay->insert($options{'manual'} ? ( 'manual' => 1 ) : () );
+
+    if ( $error ) {
+      $cust_pay->invnum(''); #try again with no specific invnum
+      my $error2 = $cust_pay->insert( $options{'manual'} ?
+                                      ( 'manual' => 1 ) : ()
+                                    );
+      if ( $error2 ) {
+        # gah.  but at least we have a record of the state we had to abort in
+        # from cust_pay_pending now.
+        my $e = "WARNING: $method captured but payment not recorded - ".
+                "error inserting payment ($processor): $error2".
+                " (previously tried insert with invnum #$options{'invnum'}" .
+                ": $error ) - pending payment saved as paypendingnum ".
+                $cust_pay_pending->paypendingnum. "\n";
+        warn $e;
+        return $e;
+      }
+    }
+
+    if ( $options{'paynum_ref'} ) {
+      ${ $options{'paynum_ref'} } = $cust_pay->paynum;
+    }
+
+    $cust_pay_pending->status('done');
+    $cust_pay_pending->statustext('captured');
+    $cust_pay_pending->paynum($cust_pay->paynum);
+    my $cpp_done_err = $cust_pay_pending->replace;
+
+    if ( $cpp_done_err ) {
+
+      $dbh->rollback or die $dbh->errstr if $oldAutoCommit;
+      my $e = "WARNING: $method captured but payment not recorded - ".
+              "error updating status for paypendingnum ".
+              $cust_pay_pending->paypendingnum. ": $cpp_done_err \n";
+      warn $e;
+      return $e;
+
+    } else {
+
+      $dbh->commit or die $dbh->errstr if $oldAutoCommit;
+      return ''; #no error
+
+    }
+
+  } else {
+
+    my $perror = "$processor error: ". $transaction->error_message;
+
+    unless ( $transaction->error_message ) {
+
+      my $t_response;
+      if ( $transaction->can('response_page') ) {
+        $t_response = {
+                        'page'    => ( $transaction->can('response_page')
+                                         ? $transaction->response_page
+                                         : ''
+                                     ),
+                        'code'    => ( $transaction->can('response_code')
+                                         ? $transaction->response_code
+                                         : ''
+                                     ),
+                        'headers' => ( $transaction->can('response_headers')
+                                         ? $transaction->response_headers
+                                         : ''
+                                     ),
+                      };
+      } else {
+        $t_response .=
+          "No additional debugging information available for $processor";
+      }
+
+      $perror .= "No error_message returned from $processor -- ".
+                 ( ref($t_response) ? Dumper($t_response) : $t_response );
+
+    }
+
+    if ( !$options{'quiet'} && !$realtime_bop_decline_quiet
+         && $conf->exists('emaildecline')
+         && grep { $_ ne 'POST' } $self->invoicing_list
+         && ! grep { $transaction->error_message =~ /$_/ }
+                   $conf->config('emaildecline-exclude')
+    ) {
+      my @templ = $conf->config('declinetemplate');
+      my $template = new Text::Template (
+        TYPE   => 'ARRAY',
+        SOURCE => [ map "$_\n", @templ ],
+      ) or return "($perror) can't create template: $Text::Template::ERROR";
+      $template->compile()
+        or return "($perror) can't compile template: $Text::Template::ERROR";
+
+      my $templ_hash = { error => $transaction->error_message };
+
+      my $error = send_email(
+        'from'    => $conf->config('invoice_from', $self->agentnum ),
+        'to'      => [ grep { $_ ne 'POST' } $self->invoicing_list ],
+        'subject' => 'Your payment could not be processed',
+        'body'    => [ $template->fill_in(HASH => $templ_hash) ],
+      );
+
+      $perror .= " (also received error sending decline notification: $error)"
+        if $error;
+
+    }
+
+    $cust_pay_pending->status('done');
+    $cust_pay_pending->statustext("declined: $perror");
+    my $cpp_done_err = $cust_pay_pending->replace;
+    if ( $cpp_done_err ) {
+      my $e = "WARNING: $method declined but pending payment not resolved - ".
+              "error updating status for paypendingnum ".
+              $cust_pay_pending->paypendingnum. ": $cpp_done_err \n";
+      warn $e;
+      $perror = "$e ($perror)";
+    }
+
+    return $perror;
+  }
+
+}
+
+sub _bop_recurring_billing {
+  my( $self, %opt ) = @_;
+
+  my $method = $conf->config('credit_card-recurring_billing_flag');
+
+  if ( $method eq 'transaction_is_recur' ) {
+
+    return 1 if $opt{'trans_is_recur'};
+
+  } else {
+
+    my %hash = ( 'custnum' => $self->custnum,
+                 'payby'   => 'CARD',
+               );
+
+    return 1 
+      if qsearch('cust_pay', { %hash, 'payinfo' => $opt{'payinfo'} } )
+      || qsearch('cust_pay', { %hash, 'paymask' => $self->mask_payinfo('CARD',
+                                                               $opt{'payinfo'} )
+                             } );
+
+  }
+
+  return 0;
+
+}
+
+
+=item realtime_refund_bop METHOD [ OPTION => VALUE ... ]
+
+Refunds a realtime credit card, ACH (electronic check) or phone bill transaction
+via a Business::OnlinePayment realtime gateway.  See
+L<http://420.am/business-onlinepayment> for supported gateways.
+
+Available methods are: I<CC>, I<ECHECK> and I<LEC>
+
+Available options are: I<amount>, I<reason>, I<paynum>, I<paydate>
+
+Most gateways require a reference to an original payment transaction to refund,
+so you probably need to specify a I<paynum>.
+
+I<amount> defaults to the original amount of the payment if not specified.
+
+I<reason> specifies a reason for the refund.
+
+I<paydate> specifies the expiration date for a credit card overriding the
+value from the customer record or the payment record. Specified as yyyy-mm-dd
+
+Implementation note: If I<amount> is unspecified or equal to the amount of the
+orignal payment, first an attempt is made to "void" the transaction via
+the gateway (to cancel a not-yet settled transaction) and then if that fails,
+the normal attempt is made to "refund" ("credit") the transaction via the
+gateway is attempted.
+
+#The additional options I<payname>, I<address1>, I<address2>, I<city>, I<state>,
+#I<zip>, I<payinfo> and I<paydate> are also available.  Any of these options,
+#if set, will override the value from the customer record.
+
+#If an I<invnum> is specified, this payment (if successful) is applied to the
+#specified invoice.  If you don't specify an I<invnum> you might want to
+#call the B<apply_payments> method.
+
+=cut
+
+#some false laziness w/realtime_bop, not enough to make it worth merging
+#but some useful small subs should be pulled out
+sub realtime_refund_bop {
+  my $self = shift;
+
+  return $self->_new_realtime_refund_bop(@_)
+    if $self->_new_bop_required();
+
+  my( $method, %options ) = @_;
+  if ( $DEBUG ) {
+    warn "$me realtime_refund_bop: $method refund\n";
+    warn "  $_ => $options{$_}\n" foreach keys %options;
+  }
+
+  eval "use Business::OnlinePayment";  
+  die $@ if $@;
+
+  ###
+  # look up the original payment and optionally a gateway for that payment
+  ###
+
+  my $cust_pay = '';
+  my $amount = $options{'amount'};
+
+  my( $processor, $login, $password, @bop_options ) ;
+  my( $auth, $order_number ) = ( '', '', '' );
+
+  if ( $options{'paynum'} ) {
+
+    warn "  paynum: $options{paynum}\n" if $DEBUG > 1;
+    $cust_pay = qsearchs('cust_pay', { paynum=>$options{'paynum'} } )
+      or return "Unknown paynum $options{'paynum'}";
+    $amount ||= $cust_pay->paid;
+
+    $cust_pay->paybatch =~ /^((\d+)\-)?(\w+):\s*([\w\-\/ ]*)(:([\w\-]+))?$/
+      or return "Can't parse paybatch for paynum $options{'paynum'}: ".
+                $cust_pay->paybatch;
+    my $gatewaynum = '';
+    ( $gatewaynum, $processor, $auth, $order_number ) = ( $2, $3, $4, $6 );
+
+    if ( $gatewaynum ) { #gateway for the payment to be refunded
+
+      my $payment_gateway =
+        qsearchs('payment_gateway', { 'gatewaynum' => $gatewaynum } );
+      die "payment gateway $gatewaynum not found"
+        unless $payment_gateway;
+
+      $processor   = $payment_gateway->gateway_module;
+      $login       = $payment_gateway->gateway_username;
+      $password    = $payment_gateway->gateway_password;
+      @bop_options = $payment_gateway->options;
+
+    } else { #try the default gateway
+
+      my( $conf_processor, $unused_action );
+      ( $conf_processor, $login, $password, $unused_action, @bop_options ) =
+        $self->default_payment_gateway($method);
+
+      return "processor of payment $options{'paynum'} $processor does not".
+             " match default processor $conf_processor"
+        unless $processor eq $conf_processor;
+
+    }
+
+
+  } else { # didn't specify a paynum, so look for agent gateway overrides
+           # like a normal transaction 
+
+    my $cardtype;
+    if ( $method eq 'CC' ) {
+      $cardtype = cardtype($self->payinfo);
+    } elsif ( $method eq 'ECHECK' ) {
+      $cardtype = 'ACH';
+    } else {
+      $cardtype = $method;
+    }
+    my $override =
+           qsearchs('agent_payment_gateway', { agentnum => $self->agentnum,
+                                               cardtype => $cardtype,
+                                               taxclass => '',              } )
+        || qsearchs('agent_payment_gateway', { agentnum => $self->agentnum,
+                                               cardtype => '',
+                                               taxclass => '',              } );
+
+    if ( $override ) { #use a payment gateway override
+ 
+      my $payment_gateway = $override->payment_gateway;
+
+      $processor   = $payment_gateway->gateway_module;
+      $login       = $payment_gateway->gateway_username;
+      $password    = $payment_gateway->gateway_password;
+      #$action      = $payment_gateway->gateway_action;
+      @bop_options = $payment_gateway->options;
+
+    } else { #use the standard settings from the config
+
+      my $unused_action;
+      ( $processor, $login, $password, $unused_action, @bop_options ) =
+        $self->default_payment_gateway($method);
+
+    }
+
+  }
+  return "neither amount nor paynum specified" unless $amount;
+
+  my %content = (
+    'type'           => $method,
+    'login'          => $login,
+    'password'       => $password,
+    'order_number'   => $order_number,
+    'amount'         => $amount,
+    'referer'        => 'http://cleanwhisker.420.am/', #XXX fix referer :/
+  );
+  $content{authorization} = $auth
+    if length($auth); #echeck/ACH transactions have an order # but no auth
+                      #(at least with authorize.net)
+
+  my $disable_void_after;
+  if ($conf->exists('disable_void_after')
+      && $conf->config('disable_void_after') =~ /^(\d+)$/) {
+    $disable_void_after = $1;
+  }
+
+  #first try void if applicable
+  if ( $cust_pay && $cust_pay->paid == $amount
+    && (
+      ( not defined($disable_void_after) )
+      || ( time < ($cust_pay->_date + $disable_void_after ) )
+    )
+  ) {
+    warn "  attempting void\n" if $DEBUG > 1;
+    my $void = new Business::OnlinePayment( $processor, @bop_options );
+    $void->content( 'action' => 'void', %content );
+    $void->submit();
+    if ( $void->is_success ) {
+      my $error = $cust_pay->void($options{'reason'});
+      if ( $error ) {
+        # gah, even with transactions.
+        my $e = 'WARNING: Card/ACH voided but database not updated - '.
+                "error voiding payment: $error";
+        warn $e;
+        return $e;
+      }
+      warn "  void successful\n" if $DEBUG > 1;
+      return '';
+    }
+  }
+
+  warn "  void unsuccessful, trying refund\n"
+    if $DEBUG > 1;
+
+  #massage data
+  my $address = $self->address1;
+  $address .= ", ". $self->address2 if $self->address2;
+
+  my($payname, $payfirst, $paylast);
+  if ( $self->payname && $method ne 'ECHECK' ) {
+    $payname = $self->payname;
+    $payname =~ /^\s*([\w \,\.\-\']*)?\s+([\w\,\.\-\']+)\s*$/
+      or return "Illegal payname $payname";
+    ($payfirst, $paylast) = ($1, $2);
+  } else {
+    $payfirst = $self->getfield('first');
+    $paylast = $self->getfield('last');
+    $payname =  "$payfirst $paylast";
+  }
+
+  my @invoicing_list = $self->invoicing_list_emailonly;
+  if ( $conf->exists('emailinvoiceautoalways')
+       || $conf->exists('emailinvoiceauto') && ! @invoicing_list
+       || ( $conf->exists('emailinvoiceonly') && ! @invoicing_list ) ) {
+    push @invoicing_list, $self->all_emails;
+  }
+
+  my $email = ($conf->exists('business-onlinepayment-email-override'))
+              ? $conf->config('business-onlinepayment-email-override')
+              : $invoicing_list[0];
+
+  my $payip = exists($options{'payip'})
+                ? $options{'payip'}
+                : $self->payip;
+  $content{customer_ip} = $payip
+    if length($payip);
+
+  my $payinfo = '';
+  if ( $method eq 'CC' ) {
+
+    if ( $cust_pay ) {
+      $content{card_number} = $payinfo = $cust_pay->payinfo;
+      (exists($options{'paydate'}) ? $options{'paydate'} : $cust_pay->paydate)
+        =~ /^\d{2}(\d{2})[\/\-](\d+)[\/\-]\d+$/ &&
+        ($content{expiration} = "$2/$1");  # where available
+    } else {
+      $content{card_number} = $payinfo = $self->payinfo;
+      (exists($options{'paydate'}) ? $options{'paydate'} : $self->paydate)
+        =~ /^\d{2}(\d{2})[\/\-](\d+)[\/\-]\d+$/;
+      $content{expiration} = "$2/$1";
+    }
+
+  } elsif ( $method eq 'ECHECK' ) {
+
+    if ( $cust_pay ) {
+      $payinfo = $cust_pay->payinfo;
+    } else {
+      $payinfo = $self->payinfo;
+    } 
+    ( $content{account_number}, $content{routing_code} )= split('@', $payinfo );
+    $content{bank_name} = $self->payname;
+    $content{account_type} = 'CHECKING';
+    $content{account_name} = $payname;
+    $content{customer_org} = $self->company ? 'B' : 'I';
+    $content{customer_ssn} = $self->ss;
+  } elsif ( $method eq 'LEC' ) {
+    $content{phone} = $payinfo = $self->payinfo;
+  }
+
+  #then try refund
+  my $refund = new Business::OnlinePayment( $processor, @bop_options );
+  my %sub_content = $refund->content(
+    'action'         => 'credit',
+    'customer_id'    => $self->custnum,
+    'last_name'      => $paylast,
+    'first_name'     => $payfirst,
+    'name'           => $payname,
+    'address'        => $address,
+    'city'           => $self->city,
+    'state'          => $self->state,
+    'zip'            => $self->zip,
+    'country'        => $self->country,
+    'email'          => $email,
+    'phone'          => $self->daytime || $self->night,
+    %content, #after
+  );
+  warn join('', map { "  $_ => $sub_content{$_}\n" } keys %sub_content )
+    if $DEBUG > 1;
+  $refund->submit();
+
+  return "$processor error: ". $refund->error_message
+    unless $refund->is_success();
+
+  my %method2payby = (
+    'CC'     => 'CARD',
+    'ECHECK' => 'CHEK',
+    'LEC'    => 'LECB',
+  );
+
+  my $paybatch = "$processor:". $refund->authorization;
+  $paybatch .= ':'. $refund->order_number
+    if $refund->can('order_number') && $refund->order_number;
+
+  while ( $cust_pay && $cust_pay->unapplied < $amount ) {
+    my @cust_bill_pay = $cust_pay->cust_bill_pay;
+    last unless @cust_bill_pay;
+    my $cust_bill_pay = pop @cust_bill_pay;
+    my $error = $cust_bill_pay->delete;
+    last if $error;
+  }
+
+  my $cust_refund = new FS::cust_refund ( {
+    'custnum'  => $self->custnum,
+    'paynum'   => $options{'paynum'},
+    'refund'   => $amount,
+    '_date'    => '',
+    'payby'    => $method2payby{$method},
+    'payinfo'  => $payinfo,
+    'paybatch' => $paybatch,
+    'reason'   => $options{'reason'} || 'card or ACH refund',
+  } );
+  my $error = $cust_refund->insert;
+  if ( $error ) {
+    $cust_refund->paynum(''); #try again with no specific paynum
+    my $error2 = $cust_refund->insert;
+    if ( $error2 ) {
+      # gah, even with transactions.
+      my $e = 'WARNING: Card/ACH refunded but database not updated - '.
+              "error inserting refund ($processor): $error2".
+              " (previously tried insert with paynum #$options{'paynum'}" .
+              ": $error )";
+      warn $e;
+      return $e;
+    }
+  }
+
+  ''; #no error
+
+}
+
+# does the configuration indicate the new bop routines are required?
+
+sub _new_bop_required {
+  my $self = shift;
+
+  my $botpp = 'Business::OnlineThirdPartyPayment';
+
+  return 1
+    if ( $conf->config('business-onlinepayment-namespace') eq $botpp ||
+         scalar( grep { $_->gateway_namespace eq $botpp } 
+                 qsearch( 'payment_gateway', { 'disabled' => '' } )
+               )
+       )
+  ;
+
+  '';
+}
+  
+
+=item realtime_collect [ OPTION => VALUE ... ]
+
+Runs a realtime credit card, ACH (electronic check) or phone bill transaction
+via a Business::OnlinePayment or Business::OnlineThirdPartyPayment realtime
+gateway.  See L<http://420.am/business-onlinepayment> and 
+L<http://420.am/business-onlinethirdpartypayment> for supported gateways.
+
+On failure returns an error message.
+
+Returns false or a hashref upon success.  The hashref contains keys popup_url reference, and collectitems.  The first is a URL to which a browser should be redirected for completion of collection.  The second is a reference id for the transaction suitable for the end user.  The collectitems is a reference to a list of name value pairs suitable for assigning to a html form and posted to popup_url.
+
+Available options are: I<method>, I<amount>, I<description>, I<invnum>, I<quiet>, I<paynum_ref>, I<payunique>, I<session_id>
+
+I<method> is one of: I<CC>, I<ECHECK> and I<LEC>.  If none is specified
+then it is deduced from the customer record.
+
+If no I<amount> is specified, then the customer balance is used.
+
+The additional options I<payname>, I<address1>, I<address2>, I<city>, I<state>,
+I<zip>, I<payinfo> and I<paydate> are also available.  Any of these options,
+if set, will override the value from the customer record.
+
+I<description> is a free-text field passed to the gateway.  It defaults to
+"Internet services".
+
+If an I<invnum> is specified, this payment (if successful) is applied to the
+specified invoice.  If you don't specify an I<invnum> you might want to
+call the B<apply_payments> method.
+
+I<quiet> can be set true to surpress email decline notices.
+
+I<paynum_ref> can be set to a scalar reference.  It will be filled in with the
+resulting paynum, if any.
+
+I<payunique> is a unique identifier for this payment.
+
+I<session_id> is a session identifier associated with this payment.
+
+I<depend_jobnum> allows payment capture to unlock export jobs
+
+=cut
+
+sub realtime_collect {
+  my( $self, %options ) = @_;
+
+  if ( $DEBUG ) {
+    warn "$me realtime_collect:\n";
+    warn "  $_ => $options{$_}\n" foreach keys %options;
+  }
+
+  $options{amount} = $self->balance unless exists( $options{amount} );
+  $options{method} = FS::payby->payby2bop($self->payby)
+    unless exists( $options{method} );
+
+  return $self->realtime_bop({%options});
+
+}
+
+=item _realtime_bop { [ ARG => VALUE ... ] }
+
+Runs a realtime credit card, ACH (electronic check) or phone bill transaction
+via a Business::OnlinePayment realtime gateway.  See
+L<http://420.am/business-onlinepayment> for supported gateways.
+
+Required arguments in the hashref are I<method>, and I<amount>
+
+Available methods are: I<CC>, I<ECHECK> and I<LEC>
+
+Available optional arguments are: I<description>, I<invnum>, I<quiet>, I<paynum_ref>, I<payunique>, I<session_id>
+
+The additional options I<payname>, I<address1>, I<address2>, I<city>, I<state>,
+I<zip>, I<payinfo> and I<paydate> are also available.  Any of these options,
+if set, will override the value from the customer record.
+
+I<description> is a free-text field passed to the gateway.  It defaults to
+"Internet services".
+
+If an I<invnum> is specified, this payment (if successful) is applied to the
+specified invoice.  If you don't specify an I<invnum> you might want to
+call the B<apply_payments> method.
+
+I<quiet> can be set true to surpress email decline notices.
+
+I<paynum_ref> can be set to a scalar reference.  It will be filled in with the
+resulting paynum, if any.
+
+I<payunique> is a unique identifier for this payment.
+
+I<session_id> is a session identifier associated with this payment.
+
+I<depend_jobnum> allows payment capture to unlock export jobs
+
+(moved from cust_bill) (probably should get realtime_{card,ach,lec} here too)
+
+=cut
+
+# some helper routines
+sub _payment_gateway {
+  my ($self, $options) = @_;
+
+  $options->{payment_gateway} = $self->agent->payment_gateway( %$options )
+    unless exists($options->{payment_gateway});
+
+  $options->{payment_gateway};
+}
+
+sub _bop_auth {
+  my ($self, $options) = @_;
+
+  (
+    'login'    => $options->{payment_gateway}->gateway_username,
+    'password' => $options->{payment_gateway}->gateway_password,
+  );
+}
+
+sub _bop_options {
+  my ($self, $options) = @_;
+
+  $options->{payment_gateway}->gatewaynum
+    ? $options->{payment_gateway}->options
+    : @{ $options->{payment_gateway}->get('options') };
+}
+
+sub _bop_defaults {
+  my ($self, $options) = @_;
+
+  $options->{description} ||= 'Internet services';
+  $options->{payinfo} = $self->payinfo unless exists( $options->{payinfo} );
+  $options->{invnum} ||= '';
+  $options->{payname} = $self->payname unless exists( $options->{payname} );
+}
+
+sub _bop_content {
+  my ($self, $options) = @_;
+  my %content = ();
+
+  $content{address} = exists($options->{'address1'})
+                        ? $options->{'address1'}
+                        : $self->address1;
+  my $address2 = exists($options->{'address2'})
+                   ? $options->{'address2'}
+                   : $self->address2;
+  $content{address} .= ", ". $address2 if length($address2);
+
+  my $payip = exists($options->{'payip'}) ? $options->{'payip'} : $self->payip;
+  $content{customer_ip} = $payip if length($payip);
+
+  $content{invoice_number} = $options->{'invnum'}
+    if exists($options->{'invnum'}) && length($options->{'invnum'});
+
+  $content{email_customer} = 
+    (    $conf->exists('business-onlinepayment-email_customer')
+      || $conf->exists('business-onlinepayment-email-override') );
+      
+  $content{payfirst} = $self->getfield('first');
+  $content{paylast} = $self->getfield('last');
+
+  $content{account_name} = "$content{payfirst} $content{paylast}"
+    if $options->{method} eq 'ECHECK';
+
+  $content{name} = $options->{payname};
+  $content{name} = $content{account_name} if exists($content{account_name});
+
+  $content{city} = exists($options->{city})
+                     ? $options->{city}
+                     : $self->city;
+  $content{state} = exists($options->{state})
+                      ? $options->{state}
+                      : $self->state;
+  $content{zip} = exists($options->{zip})
+                    ? $options->{'zip'}
+                    : $self->zip;
+  $content{country} = exists($options->{country})
+                        ? $options->{country}
+                        : $self->country;
+  $content{referer} = 'http://cleanwhisker.420.am/'; #XXX fix referer :/
+  $content{phone} = $self->daytime || $self->night;
+
+  (%content);
+}
+
+my %bop_method2payby = (
+  'CC'     => 'CARD',
+  'ECHECK' => 'CHEK',
+  'LEC'    => 'LECB',
+);
+
+sub _new_realtime_bop {
+  my $self = shift;
+
+  my %options = ();
+  if (ref($_[0]) eq 'HASH') {
+    %options = %{$_[0]};
+  } else {
+    my ( $method, $amount ) = ( shift, shift );
+    %options = @_;
+    $options{method} = $method;
+    $options{amount} = $amount;
+  }
+  
+  if ( $DEBUG ) {
+    warn "$me realtime_bop (new): $options{method} $options{amount}\n";
+    warn "  $_ => $options{$_}\n" foreach keys %options;
+  }
+
+  return $self->fake_bop(%options) if $options{'fake'};
+
+  $self->_bop_defaults(\%options);
+
+  ###
+  # set trans_is_recur based on invnum if there is one
+  ###
+
+  my $trans_is_recur = 0;
+  if ( $options{'invnum'} ) {
+
+    my $cust_bill = qsearchs('cust_bill', { 'invnum' => $options{'invnum'} } );
+    die "invnum ". $options{'invnum'}. " not found" unless $cust_bill;
+
+    my @part_pkg =
+      map  { $_->part_pkg }
+      grep { $_ }
+      map  { $_->cust_pkg }
+      $cust_bill->cust_bill_pkg;
+
+    $trans_is_recur = 1
+      if grep { $_->freq ne '0' } @part_pkg;
+
+  }
+
+  ###
+  # select a gateway
+  ###
+
+  my $payment_gateway =  $self->_payment_gateway( \%options );
+  my $namespace = $payment_gateway->gateway_namespace;
+
+  eval "use $namespace";  
+  die $@ if $@;
+
+  ###
+  # check for banned credit card/ACH
+  ###
+
+  my $ban = qsearchs('banned_pay', {
+    'payby'   => $bop_method2payby{$options{method}},
+    'payinfo' => md5_base64($options{payinfo}),
+  } );
+  return "Banned credit card" if $ban;
 
   ###
   # massage data
   ###
 
-  my $address = exists($options{'address1'})
-                    ? $options{'address1'}
-                    : $self->address1;
-  my $address2 = exists($options{'address2'})
-                    ? $options{'address2'}
-                    : $self->address2;
-  $address .= ", ". $address2 if length($address2);
+  my (%bop_content) = $self->_bop_content(\%options);
 
-  my $o_payname = exists($options{'payname'})
-                    ? $options{'payname'}
-                    : $self->payname;
-  my($payname, $payfirst, $paylast);
-  if ( $o_payname && $method ne 'ECHECK' ) {
-    ($payname = $o_payname) =~ /^\s*([\w \,\.\-\']*)?\s+([\w\,\.\-\']+)\s*$/
-      or return "Illegal payname $payname";
-    ($payfirst, $paylast) = ($1, $2);
-  } else {
-    $payfirst = $self->getfield('first');
-    $paylast = $self->getfield('last');
-    $payname =  "$payfirst $paylast";
+  if ( $options{method} ne 'ECHECK' ) {
+    $options{payname} =~ /^\s*([\w \,\.\-\']*)?\s+([\w\,\.\-\']+)\s*$/
+      or return "Illegal payname $options{payname}";
+    ($bop_content{payfirst}, $bop_content{paylast}) = ($1, $2);
   }
 
-  my @invoicing_list = grep { $_ ne 'POST' } $self->invoicing_list;
-  if ( $conf->exists('emailinvoiceauto')
+  my @invoicing_list = $self->invoicing_list_emailonly;
+  if ( $conf->exists('emailinvoiceautoalways')
+       || $conf->exists('emailinvoiceauto') && ! @invoicing_list
        || ( $conf->exists('emailinvoiceonly') && ! @invoicing_list ) ) {
     push @invoicing_list, $self->all_emails;
   }
@@ -2510,18 +4778,12 @@ sub realtime_bop {
               ? $conf->config('business-onlinepayment-email-override')
               : $invoicing_list[0];
 
+  my $paydate = '';
   my %content = ();
+  if ( $namespace eq 'Business::OnlinePayment' && $options{method} eq 'CC' ) {
 
-  my $payip = exists($options{'payip'})
-                ? $options{'payip'}
-                : $self->payip;
-  $content{customer_ip} = $payip
-    if length($payip);
-
-  if ( $method eq 'CC' ) { 
-
-    $content{card_number} = $payinfo;
-    my $paydate = exists($options{'paydate'})
+    $content{card_number} = $options{payinfo};
+    $paydate = exists($options{'paydate'})
                     ? $options{'paydate'}
                     : $self->paydate;
     $paydate =~ /^\d{2}(\d{2})[\/\-](\d+)[\/\-]\d+$/;
@@ -2530,7 +4792,7 @@ sub realtime_bop {
     my $paycvv = exists($options{'paycvv'})
                    ? $options{'paycvv'}
                    : $self->paycvv;
-    $content{cvv2} = $self->paycvv
+    $content{cvv2} = $paycvv
       if length($paycvv);
 
     my $paystart_month = exists($options{'paystart_month'})
@@ -2549,87 +4811,169 @@ sub realtime_bop {
                            : $self->payissue;
     $content{issue_number} = $payissue if $payissue;
 
-    $content{recurring_billing} = 'YES'
-      if qsearch('cust_pay', { 'custnum' => $self->custnum,
-                               'payby'   => 'CARD',
-                               'payinfo' => $payinfo,
-                             } );
+    if ( $self->_bop_recurring_billing( 'payinfo'        => $options{'payinfo'},
+                                        'trans_is_recur' => $trans_is_recur,
+                                      )
+       )
+    {
+      $content{recurring_billing} = 'YES';
+      $content{acct_code} = 'rebill'
+        if $conf->exists('credit_card-recurring_billing_acct_code');
+    }
 
-  } elsif ( $method eq 'ECHECK' ) {
+  } elsif ( $namespace eq 'Business::OnlinePayment' && $options{method} eq 'ECHECK' ){
     ( $content{account_number}, $content{routing_code} ) =
-      split('@', $payinfo);
-    $content{bank_name} = $o_payname;
-    $content{account_type} = 'CHECKING';
-    $content{account_name} = $payname;
+      split('@', $options{payinfo});
+    $content{bank_name} = $options{payname};
+    $content{bank_state} = exists($options{'paystate'})
+                             ? $options{'paystate'}
+                             : $self->getfield('paystate');
+    $content{account_type} = exists($options{'paytype'})
+                               ? uc($options{'paytype'}) || 'CHECKING'
+                               : uc($self->getfield('paytype')) || 'CHECKING';
     $content{customer_org} = $self->company ? 'B' : 'I';
+    $content{state_id}       = exists($options{'stateid'})
+                                 ? $options{'stateid'}
+                                 : $self->getfield('stateid');
+    $content{state_id_state} = exists($options{'stateid_state'})
+                                 ? $options{'stateid_state'}
+                                 : $self->getfield('stateid_state');
     $content{customer_ssn} = exists($options{'ss'})
                                ? $options{'ss'}
                                : $self->ss;
-  } elsif ( $method eq 'LEC' ) {
-    $content{phone} = $payinfo;
+  } elsif ( $namespace eq 'Business::OnlinePayment' && $options{method} eq 'LEC' ) {
+    $content{phone} = $options{payinfo};
+  } elsif ( $namespace eq 'Business::OnlineThirdPartyPayment' ) {
+    #move along
+  } else {
+    #die an evil death
   }
 
   ###
   # run transaction(s)
   ###
 
-  my( $action1, $action2 ) = split(/\s*\,\s*/, $action );
+  my $balance = exists( $options{'balance'} )
+                  ? $options{'balance'}
+                  : $self->balance;
+
+  $self->select_for_update; #mutex ... just until we get our pending record in
+
+  #the checks here are intended to catch concurrent payments
+  #double-form-submission prevention is taken care of in cust_pay_pending::check
+
+  #check the balance
+  return "The customer's balance has changed; $options{method} transaction aborted."
+    if $self->balance < $balance;
+    #&& $self->balance < $options{amount}; #might as well anyway?
+
+  #also check and make sure there aren't *other* pending payments for this cust
+
+  my @pending = qsearch('cust_pay_pending', {
+    'custnum' => $self->custnum,
+    'status'  => { op=>'!=', value=>'done' } 
+  });
+  return "A payment is already being processed for this customer (".
+         join(', ', map 'paypendingnum '. $_->paypendingnum, @pending ).
+         "); $options{method} transaction aborted."
+    if scalar(@pending);
+
+  #okay, good to go, if we're a duplicate, cust_pay_pending will kick us out
+
+  my $cust_pay_pending = new FS::cust_pay_pending {
+    'custnum'           => $self->custnum,
+    #'invnum'            => $options{'invnum'},
+    'paid'              => $options{amount},
+    '_date'             => '',
+    'payby'             => $bop_method2payby{$options{method}},
+    'payinfo'           => $options{payinfo},
+    'paydate'           => $paydate,
+    'recurring_billing' => $content{recurring_billing},
+    'status'            => 'new',
+    'gatewaynum'        => $payment_gateway->gatewaynum || '',
+    'session_id'        => $options{session_id} || '',
+    'jobnum'            => $options{depend_jobnum} || '',
+  };
+  $cust_pay_pending->payunique( $options{payunique} )
+    if defined($options{payunique}) && length($options{payunique});
+  my $cpp_new_err = $cust_pay_pending->insert; #mutex lost when this is inserted
+  return $cpp_new_err if $cpp_new_err;
+
+  my( $action1, $action2 ) =
+    split( /\s*\,\s*/, $payment_gateway->gateway_action );
+
+  my $transaction = new $namespace( $payment_gateway->gateway_module,
+                                    $self->_bop_options(\%options),
+                                  );
 
-  my $transaction = new Business::OnlinePayment( $processor, @bop_options );
   $transaction->content(
-    'type'           => $method,
-    'login'          => $login,
-    'password'       => $password,
+    'type'           => $options{method},
+    $self->_bop_auth(\%options),          
     'action'         => $action1,
     'description'    => $options{'description'},
-    'amount'         => $amount,
-    'invoice_number' => $options{'invnum'},
+    'amount'         => $options{amount},
+    #'invoice_number' => $options{'invnum'},
     'customer_id'    => $self->custnum,
-    'last_name'      => $paylast,
-    'first_name'     => $payfirst,
-    'name'           => $payname,
-    'address'        => $address,
-    'city'           => ( exists($options{'city'})
-                            ? $options{'city'}
-                            : $self->city          ),
-    'state'          => ( exists($options{'state'})
-                            ? $options{'state'}
-                            : $self->state          ),
-    'zip'            => ( exists($options{'zip'})
-                            ? $options{'zip'}
-                            : $self->zip          ),
-    'country'        => ( exists($options{'country'})
-                            ? $options{'country'}
-                            : $self->country          ),
-    'referer'        => 'http://cleanwhisker.420.am/',
+    %bop_content,
+    'reference'      => $cust_pay_pending->paypendingnum, #for now
     'email'          => $email,
-    'phone'          => $self->daytime || $self->night,
     %content, #after
   );
-  $transaction->submit();
 
-  if ( $transaction->is_success() && $action2 ) {
+  $cust_pay_pending->status('pending');
+  my $cpp_pending_err = $cust_pay_pending->replace;
+  return $cpp_pending_err if $cpp_pending_err;
+
+  #config?
+  my $BOP_TESTING = 0;
+  my $BOP_TESTING_SUCCESS = 1;
+
+  unless ( $BOP_TESTING ) {
+    $transaction->submit();
+  } else {
+    if ( $BOP_TESTING_SUCCESS ) {
+      $transaction->is_success(1);
+      $transaction->authorization('fake auth');
+    } else {
+      $transaction->is_success(0);
+      $transaction->error_message('fake failure');
+    }
+  }
+
+  if ( $transaction->is_success() && $namespace eq 'Business::OnlineThirdPartyPayment' ) {
+
+    return { reference => $cust_pay_pending->paypendingnum,
+             map { $_ => $transaction->$_ } qw ( popup_url collectitems ) };
+
+  } elsif ( $transaction->is_success() && $action2 ) {
+
+    $cust_pay_pending->status('authorized');
+    my $cpp_authorized_err = $cust_pay_pending->replace;
+    return $cpp_authorized_err if $cpp_authorized_err;
+
     my $auth = $transaction->authorization;
     my $ordernum = $transaction->can('order_number')
                    ? $transaction->order_number
                    : '';
 
     my $capture =
-      new Business::OnlinePayment( $processor, @bop_options );
+      new Business::OnlinePayment( $payment_gateway->gateway_module,
+                                   $self->_bop_options(\%options),
+                                 );
 
     my %capture = (
       %content,
-      type           => $method,
+      type           => $options{method},
       action         => $action2,
-      login          => $login,
-      password       => $password,
+      $self->_bop_auth(\%options),          
       order_number   => $ordernum,
-      amount         => $amount,
+      amount         => $options{amount},
       authorization  => $auth,
       description    => $options{'description'},
     );
 
-    foreach my $field (qw( authorization_source_code returned_ACI                                          transaction_identifier validation_code           
+    foreach my $field (qw( authorization_source_code returned_ACI
+                           transaction_identifier validation_code           
                            transaction_sequence_num local_transaction_date    
                            local_transaction_time AVS_result_code          )) {
       $capture{$field} = $transaction->$field() if $transaction->can($field);
@@ -2657,7 +5001,7 @@ sub realtime_bop {
   # correctly
   if ( defined $self->dbdef_table->column('paycvv')
        && length($self->paycvv)
-       && ! grep { $_ eq cardtype($payinfo) } $conf->config('cvv-save')
+       && ! grep { $_ eq cardtype($options{payinfo}) } $conf->config('cvv-save')
   ) {
     my $error = $self->remove_cvv;
     if ( $error ) {
@@ -2669,88 +5013,426 @@ sub realtime_bop {
   # result handling
   ###
 
-  if ( $transaction->is_success() ) {
+  $self->_realtime_bop_result( $cust_pay_pending, $transaction, %options );
+
+}
+
+=item fake_bop
+
+=cut
+
+sub fake_bop {
+  my $self = shift;
+
+  my %options = ();
+  if (ref($_[0]) eq 'HASH') {
+    %options = %{$_[0]};
+  } else {
+    my ( $method, $amount ) = ( shift, shift );
+    %options = @_;
+    $options{method} = $method;
+    $options{amount} = $amount;
+  }
+  
+  if ( $options{'fake_failure'} ) {
+     return "Error: No error; test failure requested with fake_failure";
+  }
+
+  #my $paybatch = '';
+  #if ( $payment_gateway->gatewaynum ) { # agent override
+  #  $paybatch = $payment_gateway->gatewaynum. '-';
+  #}
+  #
+  #$paybatch .= "$processor:". $transaction->authorization;
+  #
+  #$paybatch .= ':'. $transaction->order_number
+  #  if $transaction->can('order_number')
+  #  && length($transaction->order_number);
+
+  my $paybatch = 'FakeProcessor:54:32';
+
+  my $cust_pay = new FS::cust_pay ( {
+     'custnum'  => $self->custnum,
+     'invnum'   => $options{'invnum'},
+     'paid'     => $options{amount},
+     '_date'    => '',
+     'payby'    => $bop_method2payby{$options{method}},
+     #'payinfo'  => $payinfo,
+     'payinfo'  => '4111111111111111',
+     'paybatch' => $paybatch,
+     #'paydate'  => $paydate,
+     'paydate'  => '2012-05-01',
+  } );
+  $cust_pay->payunique( $options{payunique} ) if length($options{payunique});
+
+  my $error = $cust_pay->insert($options{'manual'} ? ( 'manual' => 1 ) : () );
+
+  if ( $error ) {
+    $cust_pay->invnum(''); #try again with no specific invnum
+    my $error2 = $cust_pay->insert( $options{'manual'} ?
+                                    ( 'manual' => 1 ) : ()
+                                  );
+    if ( $error2 ) {
+      # gah, even with transactions.
+      my $e = 'WARNING: Card/ACH debited but database not updated - '.
+              "error inserting (fake!) payment: $error2".
+              " (previously tried insert with invnum #$options{'invnum'}" .
+              ": $error )";
+      warn $e;
+      return $e;
+    }
+  }
+
+  if ( $options{'paynum_ref'} ) {
+    ${ $options{'paynum_ref'} } = $cust_pay->paynum;
+  }
+
+  return ''; #no error
+
+}
 
-    my %method2payby = (
-      'CC'     => 'CARD',
-      'ECHECK' => 'CHEK',
-      'LEC'    => 'LECB',
-    );
+
+# item _realtime_bop_result CUST_PAY_PENDING, BOP_OBJECT [ OPTION => VALUE ... ]
+# 
+# Wraps up processing of a realtime credit card, ACH (electronic check) or
+# phone bill transaction.
+
+sub _realtime_bop_result {
+  my( $self, $cust_pay_pending, $transaction, %options ) = @_;
+  if ( $DEBUG ) {
+    warn "$me _realtime_bop_result: pending transaction ".
+      $cust_pay_pending->paypendingnum. "\n";
+    warn "  $_ => $options{$_}\n" foreach keys %options;
+  }
+
+  my $payment_gateway = $options{payment_gateway}
+    or return "no payment gateway in arguments to _realtime_bop_result";
+
+  $cust_pay_pending->status($transaction->is_success() ? 'captured' : 'declined');
+  my $cpp_captured_err = $cust_pay_pending->replace;
+  return $cpp_captured_err if $cpp_captured_err;
+
+  if ( $transaction->is_success() ) {
 
     my $paybatch = '';
-    if ( $payment_gateway ) { # agent override
+    if ( $payment_gateway->gatewaynum ) { # agent override
       $paybatch = $payment_gateway->gatewaynum. '-';
     }
 
-    $paybatch .= "$processor:". $transaction->authorization;
+    $paybatch .= $payment_gateway->gateway_module. ":".
+      $transaction->authorization;
+
+    $paybatch .= ':'. $transaction->order_number
+      if $transaction->can('order_number')
+      && length($transaction->order_number);
+
+    my $cust_pay = new FS::cust_pay ( {
+       'custnum'  => $self->custnum,
+       'invnum'   => $options{'invnum'},
+       'paid'     => $cust_pay_pending->paid,
+       '_date'    => '',
+       'payby'    => $cust_pay_pending->payby,
+       #'payinfo'  => $payinfo,
+       'paybatch' => $paybatch,
+       'paydate'  => $cust_pay_pending->paydate,
+    } );
+    #doesn't hurt to know, even though the dup check is in cust_pay_pending now
+    $cust_pay->payunique( $options{payunique} )
+      if defined($options{payunique}) && length($options{payunique});
+
+    my $oldAutoCommit = $FS::UID::AutoCommit;
+    local $FS::UID::AutoCommit = 0;
+    my $dbh = dbh;
+
+    #start a transaction, insert the cust_pay and set cust_pay_pending.status to done in a single transction
+
+    my $error = $cust_pay->insert($options{'manual'} ? ( 'manual' => 1 ) : () );
+
+    if ( $error ) {
+      $cust_pay->invnum(''); #try again with no specific invnum
+      my $error2 = $cust_pay->insert( $options{'manual'} ?
+                                      ( 'manual' => 1 ) : ()
+                                    );
+      if ( $error2 ) {
+        # gah.  but at least we have a record of the state we had to abort in
+        # from cust_pay_pending now.
+        my $e = "WARNING: $options{method} captured but payment not recorded -".
+                " error inserting payment (". $payment_gateway->gateway_module.
+                "): $error2".
+                " (previously tried insert with invnum #$options{'invnum'}" .
+                ": $error ) - pending payment saved as paypendingnum ".
+                $cust_pay_pending->paypendingnum. "\n";
+        warn $e;
+        return $e;
+      }
+    }
+
+    my $jobnum = $cust_pay_pending->jobnum;
+    if ( $jobnum ) {
+       my $placeholder = qsearchs( 'queue', { 'jobnum' => $jobnum } );
+      
+       unless ( $placeholder ) {
+         $dbh->rollback or die $dbh->errstr if $oldAutoCommit;
+         my $e = "WARNING: $options{method} captured but job $jobnum not ".
+             "found for paypendingnum ". $cust_pay_pending->paypendingnum. "\n";
+         warn $e;
+         return $e;
+       }
+
+       $error = $placeholder->delete;
+
+       if ( $error ) {
+         $dbh->rollback or die $dbh->errstr if $oldAutoCommit;
+         my $e = "WARNING: $options{method} captured but could not delete ".
+              "job $jobnum for paypendingnum ".
+              $cust_pay_pending->paypendingnum. ": $error\n";
+         warn $e;
+         return $e;
+       }
+
+    }
+    
+    if ( $options{'paynum_ref'} ) {
+      ${ $options{'paynum_ref'} } = $cust_pay->paynum;
+    }
+
+    $cust_pay_pending->status('done');
+    $cust_pay_pending->statustext('captured');
+    $cust_pay_pending->paynum($cust_pay->paynum);
+    my $cpp_done_err = $cust_pay_pending->replace;
+
+    if ( $cpp_done_err ) {
+
+      $dbh->rollback or die $dbh->errstr if $oldAutoCommit;
+      my $e = "WARNING: $options{method} captured but payment not recorded - ".
+              "error updating status for paypendingnum ".
+              $cust_pay_pending->paypendingnum. ": $cpp_done_err \n";
+      warn $e;
+      return $e;
+
+    } else {
+
+      $dbh->commit or die $dbh->errstr if $oldAutoCommit;
+      return ''; #no error
+
+    }
+
+  } else {
+
+    my $perror = $payment_gateway->gateway_module. " error: ".
+      $transaction->error_message;
+
+    my $jobnum = $cust_pay_pending->jobnum;
+    if ( $jobnum ) {
+       my $placeholder = qsearchs( 'queue', { 'jobnum' => $jobnum } );
+      
+       if ( $placeholder ) {
+         my $error = $placeholder->depended_delete;
+         $error ||= $placeholder->delete;
+         warn "error removing provisioning jobs after declined paypendingnum ".
+           $cust_pay_pending->paypendingnum. "\n";
+       } else {
+         my $e = "error finding job $jobnum for declined paypendingnum ".
+              $cust_pay_pending->paypendingnum. "\n";
+         warn $e;
+       }
+
+    }
+    
+    unless ( $transaction->error_message ) {
+
+      my $t_response;
+      if ( $transaction->can('response_page') ) {
+        $t_response = {
+                        'page'    => ( $transaction->can('response_page')
+                                         ? $transaction->response_page
+                                         : ''
+                                     ),
+                        'code'    => ( $transaction->can('response_code')
+                                         ? $transaction->response_code
+                                         : ''
+                                     ),
+                        'headers' => ( $transaction->can('response_headers')
+                                         ? $transaction->response_headers
+                                         : ''
+                                     ),
+                      };
+      } else {
+        $t_response .=
+          "No additional debugging information available for ".
+            $payment_gateway->gateway_module;
+      }
+
+      $perror .= "No error_message returned from ".
+                   $payment_gateway->gateway_module. " -- ".
+                 ( ref($t_response) ? Dumper($t_response) : $t_response );
+
+    }
+
+    if ( !$options{'quiet'} && !$realtime_bop_decline_quiet
+         && $conf->exists('emaildecline')
+         && grep { $_ ne 'POST' } $self->invoicing_list
+         && ! grep { $transaction->error_message =~ /$_/ }
+                   $conf->config('emaildecline-exclude')
+    ) {
+      my @templ = $conf->config('declinetemplate');
+      my $template = new Text::Template (
+        TYPE   => 'ARRAY',
+        SOURCE => [ map "$_\n", @templ ],
+      ) or return "($perror) can't create template: $Text::Template::ERROR";
+      $template->compile()
+        or return "($perror) can't compile template: $Text::Template::ERROR";
+
+      my $templ_hash = { error => $transaction->error_message };
+
+      my $error = send_email(
+        'from'    => $conf->config('invoice_from', $self->agentnum ),
+        'to'      => [ grep { $_ ne 'POST' } $self->invoicing_list ],
+        'subject' => 'Your payment could not be processed',
+        'body'    => [ $template->fill_in(HASH => $templ_hash) ],
+      );
+
+      $perror .= " (also received error sending decline notification: $error)"
+        if $error;
+
+    }
+
+    $cust_pay_pending->status('done');
+    $cust_pay_pending->statustext("declined: $perror");
+    my $cpp_done_err = $cust_pay_pending->replace;
+    if ( $cpp_done_err ) {
+      my $e = "WARNING: $options{method} declined but pending payment not ".
+              "resolved - error updating status for paypendingnum ".
+              $cust_pay_pending->paypendingnum. ": $cpp_done_err \n";
+      warn $e;
+      $perror = "$e ($perror)";
+    }
+
+    return $perror;
+  }
+
+}
+
+=item realtime_botpp_capture CUST_PAY_PENDING [ OPTION => VALUE ... ]
+
+Verifies successful third party processing of a realtime credit card,
+ACH (electronic check) or phone bill transaction via a
+Business::OnlineThirdPartyPayment realtime gateway.  See
+L<http://420.am/business-onlinethirdpartypayment> for supported gateways.
+
+Available options are: I<description>, I<invnum>, I<quiet>, I<paynum_ref>, I<payunique>
+
+The additional options I<payname>, I<city>, I<state>,
+I<zip>, I<payinfo> and I<paydate> are also available.  Any of these options,
+if set, will override the value from the customer record.
+
+I<description> is a free-text field passed to the gateway.  It defaults to
+"Internet services".
+
+If an I<invnum> is specified, this payment (if successful) is applied to the
+specified invoice.  If you don't specify an I<invnum> you might want to
+call the B<apply_payments> method.
+
+I<quiet> can be set true to surpress email decline notices.
+
+I<paynum_ref> can be set to a scalar reference.  It will be filled in with the
+resulting paynum, if any.
+
+I<payunique> is a unique identifier for this payment.
+
+Returns a hashref containing elements bill_error (which will be undefined
+upon success) and session_id of any associated session.
+
+=cut
+
+sub realtime_botpp_capture {
+  my( $self, $cust_pay_pending, %options ) = @_;
+  if ( $DEBUG ) {
+    warn "$me realtime_botpp_capture: pending transaction $cust_pay_pending\n";
+    warn "  $_ => $options{$_}\n" foreach keys %options;
+  }
+
+  eval "use Business::OnlineThirdPartyPayment";  
+  die $@ if $@;
+
+  ###
+  # select the gateway
+  ###
+
+  my $method = FS::payby->payby2bop($cust_pay_pending->payby);
+
+  my $payment_gateway = $cust_pay_pending->gatewaynum
+    ? qsearchs( 'payment_gateway',
+                { gatewaynum => $cust_pay_pending->gatewaynum }
+              )
+    : $self->agent->payment_gateway( 'method' => $method,
+                                     # 'invnum'  => $cust_pay_pending->invnum,
+                                     # 'payinfo' => $cust_pay_pending->payinfo,
+                                   );
+
+  $options{payment_gateway} = $payment_gateway; # for the helper subs
 
-    $paybatch .= ':'. $transaction->order_number
-      if $transaction->can('order_number')
-      && length($transaction->order_number);
+  ###
+  # massage data
+  ###
 
-    my $cust_pay = new FS::cust_pay ( {
-       'custnum'  => $self->custnum,
-       'invnum'   => $options{'invnum'},
-       'paid'     => $amount,
-       '_date'     => '',
-       'payby'    => $method2payby{$method},
-       'payinfo'  => $payinfo,
-       'paybatch' => $paybatch,
-    } );
-    my $error = $cust_pay->insert;
-    if ( $error ) {
-      $cust_pay->invnum(''); #try again with no specific invnum
-      my $error2 = $cust_pay->insert;
-      if ( $error2 ) {
-        # gah, even with transactions.
-        my $e = 'WARNING: Card/ACH debited but database not updated - '.
-                "error inserting payment ($processor): $error2".
-                " (previously tried insert with invnum #$options{'invnum'}" .
-                ": $error )";
-        warn $e;
-        return $e;
-      }
-    }
-    return ''; #no error
+  my @invoicing_list = $self->invoicing_list_emailonly;
+  if ( $conf->exists('emailinvoiceautoalways')
+       || $conf->exists('emailinvoiceauto') && ! @invoicing_list
+       || ( $conf->exists('emailinvoiceonly') && ! @invoicing_list ) ) {
+    push @invoicing_list, $self->all_emails;
+  }
 
-  } else {
+  my $email = ($conf->exists('business-onlinepayment-email-override'))
+              ? $conf->config('business-onlinepayment-email-override')
+              : $invoicing_list[0];
 
-    my $perror = "$processor error: ". $transaction->error_message;
+  my %content = ();
 
-    if ( !$options{'quiet'} && !$realtime_bop_decline_quiet
-         && $conf->exists('emaildecline')
-         && grep { $_ ne 'POST' } $self->invoicing_list
-         && ! grep { $transaction->error_message =~ /$_/ }
-                   $conf->config('emaildecline-exclude')
-    ) {
-      my @templ = $conf->config('declinetemplate');
-      my $template = new Text::Template (
-        TYPE   => 'ARRAY',
-        SOURCE => [ map "$_\n", @templ ],
-      ) or return "($perror) can't create template: $Text::Template::ERROR";
-      $template->compile()
-        or return "($perror) can't compile template: $Text::Template::ERROR";
+  $content{email_customer} = 
+    (    $conf->exists('business-onlinepayment-email_customer')
+      || $conf->exists('business-onlinepayment-email-override') );
+      
+  ###
+  # run transaction(s)
+  ###
 
-      my $templ_hash = { error => $transaction->error_message };
+  my $transaction =
+    new Business::OnlineThirdPartyPayment( $payment_gateway->gateway_module,
+                                           $self->_bop_options(\%options),
+                                         );
 
-      my $error = send_email(
-        'from'    => $conf->config('invoice_from'),
-        'to'      => [ grep { $_ ne 'POST' } $self->invoicing_list ],
-        'subject' => 'Your payment could not be processed',
-        'body'    => [ $template->fill_in(HASH => $templ_hash) ],
-      );
+  $transaction->reference({ %options }); 
 
-      $perror .= " (also received error sending decline notification: $error)"
-        if $error;
+  $transaction->content(
+    'type'           => $method,
+    $self->_bop_auth(\%options),
+    'action'         => 'Post Authorization',
+    'description'    => $options{'description'},
+    'amount'         => $cust_pay_pending->paid,
+    #'invoice_number' => $options{'invnum'},
+    'customer_id'    => $self->custnum,
+    'referer'        => 'http://cleanwhisker.420.am/',
+    'reference'      => $cust_pay_pending->paypendingnum,
+    'email'          => $email,
+    'phone'          => $self->daytime || $self->night,
+    %content, #after
+    # plus whatever is required for bogus capture avoidance
+  );
 
-    }
-  
-    return $perror;
+  $transaction->submit();
+
+  my $error =
+    $self->_realtime_bop_result( $cust_pay_pending, $transaction, %options );
+
+  {
+    bill_error => $error,
+    session_id => $cust_pay_pending->session_id,
   }
 
 }
 
-=item default_payment_gateway
+=item default_payment_gateway DEPRECATED -- use agent->payment_gateway
 
 =cut
 
@@ -2760,10 +5442,12 @@ sub default_payment_gateway {
   die "Real-time processing not enabled\n"
     unless $conf->exists('business-onlinepayment');
 
+  #warn "default_payment_gateway deprecated -- use agent->payment_gateway\n";
+
   #load up config
   my $bop_config = 'business-onlinepayment';
   $bop_config .= '-ach'
-    if $method eq 'ECHECK' && $conf->exists($bop_config. '-ach');
+    if $method =~ /^(ECHECK|CHEK)$/ && $conf->exists($bop_config. '-ach');
   my ( $processor, $login, $password, $action, @bop_options ) =
     $conf->config($bop_config);
   $action ||= 'normal authorization';
@@ -2793,7 +5477,7 @@ sub remove_cvv {
   '';
 }
 
-=item realtime_refund_bop METHOD [ OPTION => VALUE ... ]
+=item _new_realtime_refund_bop METHOD [ OPTION => VALUE ... ]
 
 Refunds a realtime credit card, ACH (electronic check) or phone bill transaction
 via a Business::OnlinePayment realtime gateway.  See
@@ -2801,7 +5485,7 @@ L<http://420.am/business-onlinepayment> for supported gateways.
 
 Available methods are: I<CC>, I<ECHECK> and I<LEC>
 
-Available options are: I<amount>, I<reason>, I<paynum>
+Available options are: I<amount>, I<reason>, I<paynum>, I<paydate>
 
 Most gateways require a reference to an original payment transaction to refund,
 so you probably need to specify a I<paynum>.
@@ -2810,6 +5494,9 @@ I<amount> defaults to the original amount of the payment if not specified.
 
 I<reason> specifies a reason for the refund.
 
+I<paydate> specifies the expiration date for a credit card overriding the
+value from the customer record or the payment record. Specified as yyyy-mm-dd
+
 Implementation note: If I<amount> is unspecified or equal to the amount of the
 orignal payment, first an attempt is made to "void" the transaction via
 the gateway (to cancel a not-yet settled transaction) and then if that fails,
@@ -2828,16 +5515,23 @@ gateway is attempted.
 
 #some false laziness w/realtime_bop, not enough to make it worth merging
 #but some useful small subs should be pulled out
-sub realtime_refund_bop {
-  my( $self, $method, %options ) = @_;
+sub _new_realtime_refund_bop {
+  my $self = shift;
+
+  my %options = ();
+  if (ref($_[0]) ne 'HASH') {
+    %options = %{$_[0]};
+  } else {
+    my $method = shift;
+    %options = @_;
+    $options{method} = $method;
+  }
+
   if ( $DEBUG ) {
-    warn "$me realtime_refund_bop: $method refund\n";
+    warn "$me realtime_refund_bop (new): $options{method} refund\n";
     warn "  $_ => $options{$_}\n" foreach keys %options;
   }
 
-  eval "use Business::OnlinePayment";  
-  die $@ if $@;
-
   ###
   # look up the original payment and optionally a gateway for that payment
   ###
@@ -2845,7 +5539,7 @@ sub realtime_refund_bop {
   my $cust_pay = '';
   my $amount = $options{'amount'};
 
-  my( $processor, $login, $password, @bop_options ) ;
+  my( $processor, $login, $password, @bop_options, $namespace ) ;
   my( $auth, $order_number ) = ( '', '', '' );
 
   if ( $options{'paynum'} ) {
@@ -2855,7 +5549,7 @@ sub realtime_refund_bop {
       or return "Unknown paynum $options{'paynum'}";
     $amount ||= $cust_pay->paid;
 
-    $cust_pay->paybatch =~ /^((\d+)\-)?(\w+):\s*([\w\-]*)(:([\w\-]+))?$/
+    $cust_pay->paybatch =~ /^((\d+)\-)?(\w+):\s*([\w\-\/ ]*)(:([\w\-]+))?$/
       or return "Can't parse paybatch for paynum $options{'paynum'}: ".
                 $cust_pay->paybatch;
     my $gatewaynum = '';
@@ -2871,13 +5565,22 @@ sub realtime_refund_bop {
       $processor   = $payment_gateway->gateway_module;
       $login       = $payment_gateway->gateway_username;
       $password    = $payment_gateway->gateway_password;
+      $namespace   = $payment_gateway->gateway_namespace;
       @bop_options = $payment_gateway->options;
 
     } else { #try the default gateway
 
-      my( $conf_processor, $unused_action );
-      ( $conf_processor, $login, $password, $unused_action, @bop_options ) =
-        $self->default_payment_gateway($method);
+      my $conf_processor;
+      my $payment_gateway =
+        $self->agent->payment_gateway('method' => $options{method});
+
+      ( $conf_processor, $login, $password, $namespace ) =
+        map { my $method = "gateway_$_"; $payment_gateway->$method }
+          qw( module username password namespace );
+
+      @bop_options = $payment_gateway->gatewaynum
+                       ? $payment_gateway->options
+                       : @{ $payment_gateway->get('options') };
 
       return "processor of payment $options{'paynum'} $processor does not".
              " match default processor $conf_processor"
@@ -2888,58 +5591,50 @@ sub realtime_refund_bop {
 
   } else { # didn't specify a paynum, so look for agent gateway overrides
            # like a normal transaction 
-
-    my $cardtype;
-    if ( $method eq 'CC' ) {
-      $cardtype = cardtype($self->payinfo);
-    } elsif ( $method eq 'ECHECK' ) {
-      $cardtype = 'ACH';
-    } else {
-      $cardtype = $method;
-    }
-    my $override =
-           qsearchs('agent_payment_gateway', { agentnum => $self->agentnum,
-                                               cardtype => $cardtype,
-                                               taxclass => '',              } )
-        || qsearchs('agent_payment_gateway', { agentnum => $self->agentnum,
-                                               cardtype => '',
-                                               taxclass => '',              } );
-
-    if ( $override ) { #use a payment gateway override
  
-      my $payment_gateway = $override->payment_gateway;
-
-      $processor   = $payment_gateway->gateway_module;
-      $login       = $payment_gateway->gateway_username;
-      $password    = $payment_gateway->gateway_password;
-      #$action      = $payment_gateway->gateway_action;
-      @bop_options = $payment_gateway->options;
-
-    } else { #use the standard settings from the config
-
-      my $unused_action;
-      ( $processor, $login, $password, $unused_action, @bop_options ) =
-        $self->default_payment_gateway($method);
-
-    }
+    my $payment_gateway =
+      $self->agent->payment_gateway( 'method'  => $options{method},
+                                     #'payinfo' => $payinfo,
+                                   );
+    my( $processor, $login, $password, $namespace ) =
+      map { my $method = "gateway_$_"; $payment_gateway->$method }
+        qw( module username password namespace );
+
+    my @bop_options = $payment_gateway->gatewaynum
+                        ? $payment_gateway->options
+                        : @{ $payment_gateway->get('options') };
 
   }
   return "neither amount nor paynum specified" unless $amount;
 
+  eval "use $namespace";  
+  die $@ if $@;
+
   my %content = (
-    'type'           => $method,
+    'type'           => $options{method},
     'login'          => $login,
     'password'       => $password,
     'order_number'   => $order_number,
     'amount'         => $amount,
-    'referer'        => 'http://cleanwhisker.420.am/',
+    'referer'        => 'http://cleanwhisker.420.am/', #XXX fix referer :/
   );
   $content{authorization} = $auth
     if length($auth); #echeck/ACH transactions have an order # but no auth
                       #(at least with authorize.net)
 
+  my $disable_void_after;
+  if ($conf->exists('disable_void_after')
+      && $conf->config('disable_void_after') =~ /^(\d+)$/) {
+    $disable_void_after = $1;
+  }
+
   #first try void if applicable
-  if ( $cust_pay && $cust_pay->paid == $amount ) { #and check dates?
+  if ( $cust_pay && $cust_pay->paid == $amount
+    && (
+      ( not defined($disable_void_after) )
+      || ( time < ($cust_pay->_date + $disable_void_after ) )
+    )
+  ) {
     warn "  attempting void\n" if $DEBUG > 1;
     my $void = new Business::OnlinePayment( $processor, @bop_options );
     $void->content( 'action' => 'void', %content );
@@ -2966,7 +5661,7 @@ sub realtime_refund_bop {
   $address .= ", ". $self->address2 if $self->address2;
 
   my($payname, $payfirst, $paylast);
-  if ( $self->payname && $method ne 'ECHECK' ) {
+  if ( $self->payname && $options{method} ne 'ECHECK' ) {
     $payname = $self->payname;
     $payname =~ /^\s*([\w \,\.\-\']*)?\s+([\w\,\.\-\']+)\s*$/
       or return "Illegal payname $payname";
@@ -2977,8 +5672,9 @@ sub realtime_refund_bop {
     $payname =  "$payfirst $paylast";
   }
 
-  my @invoicing_list = grep { $_ ne 'POST' } $self->invoicing_list;
-  if ( $conf->exists('emailinvoiceauto')
+  my @invoicing_list = $self->invoicing_list_emailonly;
+  if ( $conf->exists('emailinvoiceautoalways')
+       || $conf->exists('emailinvoiceauto') && ! @invoicing_list
        || ( $conf->exists('emailinvoiceonly') && ! @invoicing_list ) ) {
     push @invoicing_list, $self->all_emails;
   }
@@ -2994,27 +5690,34 @@ sub realtime_refund_bop {
     if length($payip);
 
   my $payinfo = '';
-  if ( $method eq 'CC' ) {
+  if ( $options{method} eq 'CC' ) {
 
     if ( $cust_pay ) {
       $content{card_number} = $payinfo = $cust_pay->payinfo;
-      #$self->paydate =~ /^\d{2}(\d{2})[\/\-](\d+)[\/\-]\d+$/;
-      #$content{expiration} = "$2/$1";
+      (exists($options{'paydate'}) ? $options{'paydate'} : $cust_pay->paydate)
+        =~ /^\d{2}(\d{2})[\/\-](\d+)[\/\-]\d+$/ &&
+        ($content{expiration} = "$2/$1");  # where available
     } else {
       $content{card_number} = $payinfo = $self->payinfo;
-      $self->paydate =~ /^\d{2}(\d{2})[\/\-](\d+)[\/\-]\d+$/;
+      (exists($options{'paydate'}) ? $options{'paydate'} : $self->paydate)
+        =~ /^\d{2}(\d{2})[\/\-](\d+)[\/\-]\d+$/;
       $content{expiration} = "$2/$1";
     }
 
-  } elsif ( $method eq 'ECHECK' ) {
-    ( $content{account_number}, $content{routing_code} ) =
-      split('@', $payinfo = $self->payinfo);
+  } elsif ( $options{method} eq 'ECHECK' ) {
+
+    if ( $cust_pay ) {
+      $payinfo = $cust_pay->payinfo;
+    } else {
+      $payinfo = $self->payinfo;
+    } 
+    ( $content{account_number}, $content{routing_code} )= split('@', $payinfo );
     $content{bank_name} = $self->payname;
     $content{account_type} = 'CHECKING';
     $content{account_name} = $payname;
     $content{customer_org} = $self->company ? 'B' : 'I';
     $content{customer_ssn} = $self->ss;
-  } elsif ( $method eq 'LEC' ) {
+  } elsif ( $options{method} eq 'LEC' ) {
     $content{phone} = $payinfo = $self->payinfo;
   }
 
@@ -3042,17 +5745,11 @@ sub realtime_refund_bop {
   return "$processor error: ". $refund->error_message
     unless $refund->is_success();
 
-  my %method2payby = (
-    'CC'     => 'CARD',
-    'ECHECK' => 'CHEK',
-    'LEC'    => 'LECB',
-  );
-
   my $paybatch = "$processor:". $refund->authorization;
   $paybatch .= ':'. $refund->order_number
     if $refund->can('order_number') && $refund->order_number;
 
-  while ( $cust_pay && $cust_pay->unappled < $amount ) {
+  while ( $cust_pay && $cust_pay->unapplied < $amount ) {
     my @cust_bill_pay = $cust_pay->cust_bill_pay;
     last unless @cust_bill_pay;
     my $cust_bill_pay = pop @cust_bill_pay;
@@ -3065,7 +5762,7 @@ sub realtime_refund_bop {
     'paynum'   => $options{'paynum'},
     'refund'   => $amount,
     '_date'    => '',
-    'payby'    => $method2payby{$method},
+    'payby'    => $bop_method2payby{$options{method}},
     'payinfo'  => $payinfo,
     'paybatch' => $paybatch,
     'reason'   => $options{'reason'} || 'card or ACH refund',
@@ -3089,37 +5786,174 @@ sub realtime_refund_bop {
 
 }
 
-=item total_owed
+=item batch_card OPTION => VALUE...
 
-Returns the total owed for this customer on all invoices
-(see L<FS::cust_bill/owed>).
+Adds a payment for this invoice to the pending credit card batch (see
+L<FS::cust_pay_batch>), or, if the B<realtime> option is set to a true value,
+runs the payment using a realtime gateway.
 
 =cut
 
-sub total_owed {
-  my $self = shift;
-  $self->total_owed_date(2145859200); #12/31/2037
+sub batch_card {
+  my ($self, %options) = @_;
+
+  my $amount;
+  if (exists($options{amount})) {
+    $amount = $options{amount};
+  }else{
+    $amount = sprintf("%.2f", $self->balance - $self->in_transit_payments);
+  }
+  return '' unless $amount > 0;
+  
+  my $invnum = delete $options{invnum};
+  my $payby = $options{invnum} || $self->payby;  #dubious
+
+  if ($options{'realtime'}) {
+    return $self->realtime_bop( FS::payby->payby2bop($self->payby),
+                                $amount,
+                                %options,
+                              );
+  }
+
+  my $oldAutoCommit = $FS::UID::AutoCommit;
+  local $FS::UID::AutoCommit = 0;
+  my $dbh = dbh;
+
+  #this needs to handle mysql as well as Pg, like svc_acct.pm
+  #(make it into a common function if folks need to do batching with mysql)
+  $dbh->do("LOCK TABLE pay_batch IN SHARE ROW EXCLUSIVE MODE")
+    or return "Cannot lock pay_batch: " . $dbh->errstr;
+
+  my %pay_batch = (
+    'status' => 'O',
+    'payby'  => FS::payby->payby2payment($payby),
+  );
+
+  my $pay_batch = qsearchs( 'pay_batch', \%pay_batch );
+
+  unless ( $pay_batch ) {
+    $pay_batch = new FS::pay_batch \%pay_batch;
+    my $error = $pay_batch->insert;
+    if ( $error ) {
+      $dbh->rollback if $oldAutoCommit;
+      die "error creating new batch: $error\n";
+    }
+  }
+
+  my $old_cust_pay_batch = qsearchs('cust_pay_batch', {
+      'batchnum' => $pay_batch->batchnum,
+      'custnum'  => $self->custnum,
+  } );
+
+  foreach (qw( address1 address2 city state zip country payby payinfo paydate
+               payname )) {
+    $options{$_} = '' unless exists($options{$_});
+  }
+
+  my $cust_pay_batch = new FS::cust_pay_batch ( {
+    'batchnum' => $pay_batch->batchnum,
+    'invnum'   => $invnum || 0,                    # is there a better value?
+                                                   # this field should be
+                                                   # removed...
+                                                   # cust_bill_pay_batch now
+    'custnum'  => $self->custnum,
+    'last'     => $self->getfield('last'),
+    'first'    => $self->getfield('first'),
+    'address1' => $options{address1} || $self->address1,
+    'address2' => $options{address2} || $self->address2,
+    'city'     => $options{city}     || $self->city,
+    'state'    => $options{state}    || $self->state,
+    'zip'      => $options{zip}      || $self->zip,
+    'country'  => $options{country}  || $self->country,
+    'payby'    => $options{payby}    || $self->payby,
+    'payinfo'  => $options{payinfo}  || $self->payinfo,
+    'exp'      => $options{paydate}  || $self->paydate,
+    'payname'  => $options{payname}  || $self->payname,
+    'amount'   => $amount,                         # consolidating
+  } );
+  
+  $cust_pay_batch->paybatchnum($old_cust_pay_batch->paybatchnum)
+    if $old_cust_pay_batch;
+
+  my $error;
+  if ($old_cust_pay_batch) {
+    $error = $cust_pay_batch->replace($old_cust_pay_batch)
+  } else {
+    $error = $cust_pay_batch->insert;
+  }
+
+  if ( $error ) {
+    $dbh->rollback if $oldAutoCommit;
+    die $error;
+  }
+
+  my $unapplied =   $self->total_unapplied_credits
+                  + $self->total_unapplied_payments
+                  + $self->in_transit_payments;
+  foreach my $cust_bill ($self->open_cust_bill) {
+    #$dbh->commit or die $dbh->errstr if $oldAutoCommit;
+    my $cust_bill_pay_batch = new FS::cust_bill_pay_batch {
+      'invnum' => $cust_bill->invnum,
+      'paybatchnum' => $cust_pay_batch->paybatchnum,
+      'amount' => $cust_bill->owed,
+      '_date' => time,
+    };
+    if ($unapplied >= $cust_bill_pay_batch->amount){
+      $unapplied -= $cust_bill_pay_batch->amount;
+      next;
+    }else{
+      $cust_bill_pay_batch->amount(sprintf ( "%.2f", 
+                                   $cust_bill_pay_batch->amount - $unapplied ));      $unapplied = 0;
+    }
+    $error = $cust_bill_pay_batch->insert;
+    if ( $error ) {
+      $dbh->rollback if $oldAutoCommit;
+      die $error;
+    }
+  }
+
+  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
+  '';
 }
 
-=item total_owed_date TIME
+=item apply_payments_and_credits
 
-Returns the total owed for this customer on all invoices with date earlier than
-TIME.  TIME is specified as a UNIX timestamp; see L<perlfunc/"time">).  Also
-see L<Time::Local> and L<Date::Parse> for conversion functions.
+Applies unapplied payments and credits.
+
+In most cases, this new method should be used in place of sequential
+apply_payments and apply_credits methods.
+
+If there is an error, returns the error, otherwise returns false.
 
 =cut
 
-sub total_owed_date {
+sub apply_payments_and_credits {
   my $self = shift;
-  my $time = shift;
-  my $total_bill = 0;
-  foreach my $cust_bill (
-    grep { $_->_date <= $time }
-      qsearch('cust_bill', { 'custnum' => $self->custnum, } )
-  ) {
-    $total_bill += $cust_bill->owed;
+
+  local $SIG{HUP} = 'IGNORE';
+  local $SIG{INT} = 'IGNORE';
+  local $SIG{QUIT} = 'IGNORE';
+  local $SIG{TERM} = 'IGNORE';
+  local $SIG{TSTP} = 'IGNORE';
+  local $SIG{PIPE} = 'IGNORE';
+
+  my $oldAutoCommit = $FS::UID::AutoCommit;
+  local $FS::UID::AutoCommit = 0;
+  my $dbh = dbh;
+
+  $self->select_for_update; #mutex
+
+  foreach my $cust_bill ( $self->open_cust_bill ) {
+    my $error = $cust_bill->apply_payments_and_credits;
+    if ( $error ) {
+      $dbh->rollback if $oldAutoCommit;
+      return "Error applying: $error";
+    }
   }
-  sprintf( "%.2f", $total_bill );
+
+  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
+  ''; #no error
+
 }
 
 =item apply_credits OPTION => VALUE ...
@@ -3130,13 +5964,31 @@ chronological order if the I<order> option is set to B<newest>) and returns the
 value of any remaining unapplied credits available for refund (see
 L<FS::cust_refund>).
 
+Dies if there is an error.
+
 =cut
 
-sub apply_credits {
-  my $self = shift;
-  my %opt = @_;
+sub apply_credits {
+  my $self = shift;
+  my %opt = @_;
+
+  local $SIG{HUP} = 'IGNORE';
+  local $SIG{INT} = 'IGNORE';
+  local $SIG{QUIT} = 'IGNORE';
+  local $SIG{TERM} = 'IGNORE';
+  local $SIG{TSTP} = 'IGNORE';
+  local $SIG{PIPE} = 'IGNORE';
+
+  my $oldAutoCommit = $FS::UID::AutoCommit;
+  local $FS::UID::AutoCommit = 0;
+  my $dbh = dbh;
+
+  $self->select_for_update; #mutex
 
-  return 0 unless $self->total_credited;
+  unless ( $self->total_unapplied_credits ) {
+    $dbh->commit or die $dbh->errstr if $oldAutoCommit;
+    return 0;
+  }
 
   my @credits = sort { $b->_date <=> $a->_date} (grep { $_->credited > 0 }
       qsearch('cust_credit', { 'custnum' => $self->custnum } ) );
@@ -3165,13 +6017,20 @@ sub apply_credits {
       'amount'  => $amount,
     } );
     my $error = $cust_credit_bill->insert;
-    die $error if $error;
+    if ( $error ) {
+      $dbh->rollback or die $dbh->errstr if $oldAutoCommit;
+      die $error;
+    }
     
     redo if ($cust_bill->owed > 0);
 
   }
 
-  return $self->total_credited;
+  my $total_unapplied_credits = $self->total_unapplied_credits;
+
+  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
+
+  return $total_unapplied_credits;
 }
 
 =item apply_payments
@@ -3181,18 +6040,35 @@ to outstanding invoice balances in chronological order.
 
  #and returns the value of any remaining unapplied payments.
 
+Dies if there is an error.
+
 =cut
 
 sub apply_payments {
   my $self = shift;
 
+  local $SIG{HUP} = 'IGNORE';
+  local $SIG{INT} = 'IGNORE';
+  local $SIG{QUIT} = 'IGNORE';
+  local $SIG{TERM} = 'IGNORE';
+  local $SIG{TSTP} = 'IGNORE';
+  local $SIG{PIPE} = 'IGNORE';
+
+  my $oldAutoCommit = $FS::UID::AutoCommit;
+  local $FS::UID::AutoCommit = 0;
+  my $dbh = dbh;
+
+  $self->select_for_update; #mutex
+
   #return 0 unless
 
-  my @payments = sort { $b->_date <=> $a->_date } ( grep { $_->unapplied > 0 }
-      qsearch('cust_pay', { 'custnum' => $self->custnum } ) );
+  my @payments = sort { $b->_date <=> $a->_date }
+                 grep { $_->unapplied > 0 }
+                 $self->cust_pay;
 
-  my @invoices = sort { $a->_date <=> $b->_date} (grep { $_->owed > 0 }
-      qsearch('cust_bill', { 'custnum' => $self->custnum } ) );
+  my @invoices = sort { $a->_date <=> $b->_date}
+                 grep { $_->owed > 0 }
+                 $self->cust_bill;
 
   my $payment;
 
@@ -3215,30 +6091,105 @@ sub apply_payments {
       'amount' => $amount,
     } );
     my $error = $cust_bill_pay->insert;
-    die $error if $error;
+    if ( $error ) {
+      $dbh->rollback or die $dbh->errstr if $oldAutoCommit;
+      die $error;
+    }
 
     redo if ( $cust_bill->owed > 0);
 
   }
 
-  return $self->total_unapplied_payments;
+  my $total_unapplied_payments = $self->total_unapplied_payments;
+
+  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
+
+  return $total_unapplied_payments;
 }
 
-=item total_credited
+=item total_owed
+
+Returns the total owed for this customer on all invoices
+(see L<FS::cust_bill/owed>).
+
+=cut
+
+sub total_owed {
+  my $self = shift;
+  $self->total_owed_date(2145859200); #12/31/2037
+}
+
+=item total_owed_date TIME
+
+Returns the total owed for this customer on all invoices with date earlier than
+TIME.  TIME is specified as a UNIX timestamp; see L<perlfunc/"time">).  Also
+see L<Time::Local> and L<Date::Parse> for conversion functions.
+
+=cut
+
+sub total_owed_date {
+  my $self = shift;
+  my $time = shift;
+
+#  my $custnum = $self->custnum;
+#
+#  my $owed_sql = FS::cust_bill->owed_sql;
+#
+#  my $sql = "
+#    SELECT SUM($owed_sql) FROM cust_bill
+#      WHERE custnum = $custnum
+#        AND _date <= $time
+#  ";
+#
+#  my $sth = dbh->prepare($sql) or die dbh->errstr;
+#  $sth->execute() or die $sth->errstr;
+#
+#  return sprintf( '%.2f', $sth->fetchrow_arrayref->[0] );
+
+  my $total_bill = 0;
+  foreach my $cust_bill (
+    grep { $_->_date <= $time }
+      qsearch('cust_bill', { 'custnum' => $self->custnum, } )
+  ) {
+    $total_bill += $cust_bill->owed;
+  }
+  sprintf( "%.2f", $total_bill );
+
+}
+
+=item total_paid
+
+Returns the total amount of all payments.
+
+=cut
+
+sub total_paid {
+  my $self = shift;
+  my $total = 0;
+  $total += $_->paid foreach $self->cust_pay;
+  sprintf( "%.2f", $total );
+}
+
+=item total_unapplied_credits
 
 Returns the total outstanding credit (see L<FS::cust_credit>) for this
 customer.  See L<FS::cust_credit/credited>.
 
+=item total_credited
+
+Old name for total_unapplied_credits.  Don't use.
+
 =cut
 
 sub total_credited {
+  #carp "total_credited deprecated, use total_unapplied_credits";
+  shift->total_unapplied_credits(@_);
+}
+
+sub total_unapplied_credits {
   my $self = shift;
   my $total_credit = 0;
-  foreach my $cust_credit ( qsearch('cust_credit', {
-    'custnum' => $self->custnum,
-  } ) ) {
-    $total_credit += $cust_credit->credited;
-  }
+  $total_credit += $_->credited foreach $self->cust_credit;
   sprintf( "%.2f", $total_credit );
 }
 
@@ -3252,25 +6203,38 @@ See L<FS::cust_pay/unapplied>.
 sub total_unapplied_payments {
   my $self = shift;
   my $total_unapplied = 0;
-  foreach my $cust_pay ( qsearch('cust_pay', {
-    'custnum' => $self->custnum,
-  } ) ) {
-    $total_unapplied += $cust_pay->unapplied;
-  }
+  $total_unapplied += $_->unapplied foreach $self->cust_pay;
+  sprintf( "%.2f", $total_unapplied );
+}
+
+=item total_unapplied_refunds
+
+Returns the total unrefunded refunds (see L<FS::cust_refund>) for this
+customer.  See L<FS::cust_refund/unapplied>.
+
+=cut
+
+sub total_unapplied_refunds {
+  my $self = shift;
+  my $total_unapplied = 0;
+  $total_unapplied += $_->unapplied foreach $self->cust_refund;
   sprintf( "%.2f", $total_unapplied );
 }
 
 =item balance
 
-Returns the balance for this customer (total_owed minus total_credited
-minus total_unapplied_payments).
+Returns the balance for this customer (total_owed plus total_unrefunded, minus
+total_unapplied_credits minus total_unapplied_payments).
 
 =cut
 
 sub balance {
   my $self = shift;
   sprintf( "%.2f",
-    $self->total_owed - $self->total_credited - $self->total_unapplied_payments
+      $self->total_owed
+    + $self->total_unapplied_refunds
+    - $self->total_unapplied_credits
+    - $self->total_unapplied_payments
   );
 }
 
@@ -3288,8 +6252,9 @@ sub balance_date {
   my $self = shift;
   my $time = shift;
   sprintf( "%.2f",
-    $self->total_owed_date($time)
-      - $self->total_credited
+        $self->total_owed_date($time)
+      + $self->total_unapplied_refunds
+      - $self->total_unapplied_credits
       - $self->total_unapplied_payments
   );
 }
@@ -3317,6 +6282,86 @@ sub in_transit_payments {
   sprintf( "%.2f", $in_transit_payments );
 }
 
+=item payment_info
+
+Returns a hash of useful information for making a payment.
+
+=over 4
+
+=item balance
+
+Current balance.
+
+=item payby
+
+'CARD' (credit card - automatic), 'DCRD' (credit card - on-demand),
+'CHEK' (electronic check - automatic), 'DCHK' (electronic check - on-demand),
+'LECB' (Phone bill billing), 'BILL' (billing), or 'COMP' (free).
+
+=back
+
+For credit card transactions:
+
+=over 4
+
+=item card_type 1
+
+=item payname
+
+Exact name on card
+
+=back
+
+For electronic check transactions:
+
+=over 4
+
+=item stateid_state
+
+=back
+
+=cut
+
+sub payment_info {
+  my $self = shift;
+
+  my %return = ();
+
+  $return{balance} = $self->balance;
+
+  $return{payname} = $self->payname
+                     || ( $self->first. ' '. $self->get('last') );
+
+  $return{$_} = $self->get($_) for qw(address1 address2 city state zip);
+
+  $return{payby} = $self->payby;
+  $return{stateid_state} = $self->stateid_state;
+
+  if ( $self->payby =~ /^(CARD|DCRD)$/ ) {
+    $return{card_type} = cardtype($self->payinfo);
+    $return{payinfo} = $self->paymask;
+
+    @return{'month', 'year'} = $self->paydate_monthyear;
+
+  }
+
+  if ( $self->payby =~ /^(CHEK|DCHK)$/ ) {
+    my ($payinfo1, $payinfo2) = split '@', $self->paymask;
+    $return{payinfo1} = $payinfo1;
+    $return{payinfo2} = $payinfo2;
+    $return{paytype}  = $self->paytype;
+    $return{paystate} = $self->paystate;
+
+  }
+
+  #doubleclick protection
+  my $_date = time;
+  $return{paybatch} = "webui-MyAccount-$_date-$$-". rand() * 2**32;
+
+  %return;
+
+}
+
 =item paydate_monthyear
 
 Returns a two-element list consisting of the month and year of this customer's
@@ -3335,19 +6380,26 @@ sub paydate_monthyear {
   }
 }
 
-=item payinfo_masked
+=item tax_exemption TAXNAME
+
+=cut
+
+sub tax_exemption {
+  my( $self, $taxname ) = @_;
 
-Returns a "masked" payinfo field appropriate to the payment type.  Masked characters are replaced by 'x'es.  Use this to display publicly accessable account Information.
+  qsearchs( 'cust_main_exemption', { 'custnum' => $self->custnum,
+                                     'taxname' => $taxname,
+                                   },
+          );
+}
 
-Credit Cards - Mask all but the last four characters.
-Checks - Mask all but last 2 of account number and bank routing number.
-Others - Do nothing, return the unmasked string.
+=item cust_main_exemption
 
 =cut
 
-sub payinfo_masked {
+sub cust_main_exemption {
   my $self = shift;
-  return $self->paymask;
+  qsearch( 'cust_main_exemption', { 'custnum' => $self->custnum } );
 }
 
 =item invoicing_list [ ARRAYREF ]
@@ -3421,7 +6473,8 @@ is an error, returns the error, otherwise returns false.
 
 sub check_invoicing_list {
   my( $self, $arrayref ) = @_;
-  foreach my $address ( @{$arrayref} ) {
+
+  foreach my $address ( @$arrayref ) {
 
     if ($address eq 'FAX' and $self->getfield('fax') eq '') {
       return 'Can\'t add FAX invoice destination with a blank FAX number.';
@@ -3436,7 +6489,13 @@ sub check_invoicing_list {
                 : $cust_main_invoice->checkdest
     ;
     return $error if $error;
+
   }
+
+  return "Email address required"
+    if $conf->exists('cust_main-require_invoicing_list_email')
+    && ! grep { $_ !~ /^([A-Z]+)$/ } @$arrayref;
+
   '';
 }
 
@@ -3496,9 +6555,25 @@ destinations such as POST and FAX).
 
 sub invoicing_list_emailonly {
   my $self = shift;
+  warn "$me invoicing_list_emailonly called"
+    if $DEBUG;
   grep { $_ !~ /^([A-Z]+)$/ } $self->invoicing_list;
 }
 
+=item invoicing_list_emailonly_scalar
+
+Returns the list of email invoice recipients (invoicing_list without non-email
+destinations such as POST and FAX) as a comma-separated scalar.
+
+=cut
+
+sub invoicing_list_emailonly_scalar {
+  my $self = shift;
+  warn "$me invoicing_list_emailonly_scalar called"
+    if $DEBUG;
+  join(', ', $self->invoicing_list_emailonly);
+}
+
 =item referral_cust_main [ DEPTH [ EXCLUDE_HASHREF ] ]
 
 Returns an array of customers referred by this customer (referral_custnum set
@@ -3569,21 +6644,47 @@ sub referring_cust_main {
   qsearchs('cust_main', { 'custnum' => $self->referral_custnum } );
 }
 
-=item credit AMOUNT, REASON
+=item credit AMOUNT, REASON [ , OPTION => VALUE ... ]
 
 Applies a credit to this customer.  If there is an error, returns the error,
 otherwise returns false.
 
+REASON can be a text string, an FS::reason object, or a scalar reference to
+a reasonnum.  If a text string, it will be automatically inserted as a new
+reason, and a 'reason_type' option must be passed to indicate the
+FS::reason_type for the new reason.
+
+An I<addlinfo> option may be passed to set the credit's I<addlinfo> field.
+
+Any other options are passed to FS::cust_credit::insert.
+
 =cut
 
 sub credit {
-  my( $self, $amount, $reason ) = @_;
+  my( $self, $amount, $reason, %options ) = @_;
+
   my $cust_credit = new FS::cust_credit {
     'custnum' => $self->custnum,
     'amount'  => $amount,
-    'reason'  => $reason,
   };
-  $cust_credit->insert;
+
+  if ( ref($reason) ) {
+
+    if ( ref($reason) eq 'SCALAR' ) {
+      $cust_credit->reasonnum( $$reason );
+    } else {
+      $cust_credit->reasonnum( $reason->reasonnum );
+    }
+
+  } else {
+    $cust_credit->set('reason', $reason)
+  }
+
+  $cust_credit->addlinfo( delete $options{'addlinfo'} )
+    if exists($options{'addlinfo'});
+
+  $cust_credit->insert(%options);
+
 }
 
 =item charge AMOUNT [ PKG [ COMMENT [ TAXCLASS ] ] ]
@@ -3594,10 +6695,31 @@ the error, otherwise returns false.
 =cut
 
 sub charge {
-  my ( $self, $amount ) = ( shift, shift );
-  my $pkg      = @_ ? shift : 'One-time charge';
-  my $comment  = @_ ? shift : '$'. sprintf("%.2f",$amount);
-  my $taxclass = @_ ? shift : '';
+  my $self = shift;
+  my ( $amount, $quantity, $pkg, $comment, $classnum, $additional );
+  my ( $setuptax, $taxclass );   #internal taxes
+  my ( $taxproduct, $override ); #vendor (CCH) taxes
+  if ( ref( $_[0] ) ) {
+    $amount     = $_[0]->{amount};
+    $quantity   = exists($_[0]->{quantity}) ? $_[0]->{quantity} : 1;
+    $pkg        = exists($_[0]->{pkg}) ? $_[0]->{pkg} : 'One-time charge';
+    $comment    = exists($_[0]->{comment}) ? $_[0]->{comment}
+                                           : '$'. sprintf("%.2f",$amount);
+    $setuptax   = exists($_[0]->{setuptax}) ? $_[0]->{setuptax} : '';
+    $taxclass   = exists($_[0]->{taxclass}) ? $_[0]->{taxclass} : '';
+    $classnum   = exists($_[0]->{classnum}) ? $_[0]->{classnum} : '';
+    $additional = $_[0]->{additional};
+    $taxproduct = $_[0]->{taxproductnum};
+    $override   = { '' => $_[0]->{tax_override} };
+  }else{
+    $amount     = shift;
+    $quantity   = 1;
+    $pkg        = @_ ? shift : 'One-time charge';
+    $comment    = @_ ? shift : '$'. sprintf("%.2f",$amount);
+    $setuptax   = '';
+    $taxclass   = @_ ? shift : '';
+    $additional = [];
+  }
 
   local $SIG{HUP} = 'IGNORE';
   local $SIG{INT} = 'IGNORE';
@@ -3611,18 +6733,27 @@ sub charge {
   my $dbh = dbh;
 
   my $part_pkg = new FS::part_pkg ( {
-    'pkg'      => $pkg,
-    'comment'  => $comment,
-    #'setup'    => $amount,
-    #'recur'    => '0',
-    'plan'     => 'flat',
-    'plandata' => "setup_fee=$amount",
-    'freq'     => 0,
-    'disabled' => 'Y',
-    'taxclass' => $taxclass,
+    'pkg'           => $pkg,
+    'comment'       => $comment,
+    'plan'          => 'flat',
+    'freq'          => 0,
+    'disabled'      => 'Y',
+    'classnum'      => $classnum ? $classnum : '',
+    'setuptax'      => $setuptax,
+    'taxclass'      => $taxclass,
+    'taxproductnum' => $taxproduct,
   } );
 
-  my $error = $part_pkg->insert;
+  my %options = ( ( map { ("additional_info$_" => $additional->[$_] ) }
+                        ( 0 .. @$additional - 1 )
+                  ),
+                  'additional_count' => scalar(@$additional),
+                  'setup_fee' => $amount,
+                );
+
+  my $error = $part_pkg->insert( options       => \%options,
+                                 tax_overrides => $override,
+                               );
   if ( $error ) {
     $dbh->rollback if $oldAutoCommit;
     return $error;
@@ -3640,8 +6771,9 @@ sub charge {
   }
 
   my $cust_pkg = new FS::cust_pkg ( {
-    'custnum' => $self->custnum,
-    'pkgpart' => $pkgpart,
+    'custnum'  => $self->custnum,
+    'pkgpart'  => $pkgpart,
+    'quantity' => $quantity,
   } );
 
   $error = $cust_pkg->insert;
@@ -3655,6 +6787,33 @@ sub charge {
 
 }
 
+#=item charge_postal_fee
+#
+#Applies a one time charge this customer.  If there is an error,
+#returns the error, returns the cust_pkg charge object or false
+#if there was no charge.
+#
+#=cut
+#
+# This should be a customer event.  For that to work requires that bill
+# also be a customer event.
+
+sub charge_postal_fee {
+  my $self = shift;
+
+  my $pkgpart = $conf->config('postal_invoice-fee_pkgpart');
+  return '' unless ($pkgpart && grep { $_ eq 'POST' } $self->invoicing_list);
+
+  my $cust_pkg = new FS::cust_pkg ( {
+    'custnum'  => $self->custnum,
+    'pkgpart'  => $pkgpart,
+    'quantity' => 1,
+  } );
+
+  my $error = $cust_pkg->insert;
+  $error ? $error : $cust_pkg;
+}
+
 =item cust_bill
 
 Returns all the invoices (see L<FS::cust_bill>) for this customer.
@@ -3676,7 +6835,14 @@ customer.
 
 sub open_cust_bill {
   my $self = shift;
-  grep { $_->owed > 0 } $self->cust_bill;
+
+  qsearch({
+    'table'     => 'cust_bill',
+    'hashref'   => { 'custnum' => $self->custnum, },
+    'extra_sql' => ' AND '. FS::cust_bill->owed_sql. ' > 0',
+    'order_by'  => 'ORDER BY _date ASC',
+  });
+
 }
 
 =item cust_credit
@@ -3715,6 +6881,52 @@ sub cust_pay_void {
     qsearch( 'cust_pay_void', { 'custnum' => $self->custnum } )
 }
 
+=item cust_pay_batch
+
+Returns all batched payments (see L<FS::cust_pay_void>) for this customer.
+
+=cut
+
+sub cust_pay_batch {
+  my $self = shift;
+  sort { $a->paybatchnum <=> $b->paybatchnum }
+    qsearch( 'cust_pay_batch', { 'custnum' => $self->custnum } )
+}
+
+=item cust_pay_pending
+
+Returns all pending payments (see L<FS::cust_pay_pending>) for this customer
+(without status "done").
+
+=cut
+
+sub cust_pay_pending {
+  my $self = shift;
+  return $self->num_cust_pay_pending unless wantarray;
+  sort { $a->_date <=> $b->_date }
+    qsearch( 'cust_pay_pending', {
+                                   'custnum' => $self->custnum,
+                                   'status'  => { op=>'!=', value=>'done' },
+                                 },
+           );
+}
+
+=item num_cust_pay_pending
+
+Returns the number of pending payments (see L<FS::cust_pay_pending>) for this
+customer (without status "done").  Also called automatically when the
+cust_pay_pending method is used in a scalar context.
+
+=cut
+
+sub num_cust_pay_pending {
+  my $self = shift;
+  my $sql = " SELECT COUNT(*) FROM cust_pay_pending ".
+            "   WHERE custnum = ? AND status != 'done' ";
+  my $sth = dbh->prepare($sql) or die dbh->errstr;
+  $sth->execute($self->custnum) or die $sth->errstr;
+  $sth->fetchrow_arrayref->[0];
+}
 
 =item cust_refund
 
@@ -3728,16 +6940,20 @@ sub cust_refund {
     qsearch( 'cust_refund', { 'custnum' => $self->custnum } )
 }
 
-=item select_for_update
+=item display_custnum
 
-Selects this record with the SQL "FOR UPDATE" command.  This can be useful as
-a mutex.
+Returns the displayed customer number for this customer: agent_custid if
+cust_main-default_agent_custid is set and it has a value, custnum otherwise.
 
 =cut
 
-sub select_for_update {
+sub display_custnum {
   my $self = shift;
-  qsearch('cust_main', { 'custnum' => $self->custnum }, '*', 'FOR UPDATE' );
+  if ( $conf->exists('cust_main-default_agent_custid') && $self->agent_custid ){
+    return $self->agent_custid;
+  } else {
+    return $self->custnum;
+  }
 }
 
 =item name
@@ -3772,28 +6988,81 @@ sub ship_name {
   }
 }
 
-=item contact
+=item name_short
+
+Returns a name string for this customer, either "Company" or "First Last".
+
+=cut
+
+sub name_short {
+  my $self = shift;
+  $self->company !~ /^\s*$/ ? $self->company : $self->contact_firstlast;
+}
+
+=item ship_name_short
+
+Returns a name string for this (service/shipping) contact, either "Company"
+or "First Last".
+
+=cut
+
+sub ship_name_short {
+  my $self = shift;
+  if ( $self->get('ship_last') ) { 
+    $self->ship_company !~ /^\s*$/
+      ? $self->ship_company
+      : $self->ship_contact_firstlast;
+  } else {
+    $self->name_company_or_firstlast;
+  }
+}
+
+=item contact
+
+Returns this customer's full (billing) contact name only, "Last, First"
+
+=cut
+
+sub contact {
+  my $self = shift;
+  $self->get('last'). ', '. $self->first;
+}
+
+=item ship_contact
+
+Returns this customer's full (shipping) contact name only, "Last, First"
+
+=cut
+
+sub ship_contact {
+  my $self = shift;
+  $self->get('ship_last')
+    ? $self->get('ship_last'). ', '. $self->ship_first
+    : $self->contact;
+}
+
+=item contact_firstlast
 
-Returns this customer's full (billing) contact name only, "Last, First"
+Returns this customers full (billing) contact name only, "First Last".
 
 =cut
 
-sub contact {
+sub contact_firstlast {
   my $self = shift;
-  $self->get('last'). ', '. $self->first;
+  $self->first. ' '. $self->get('last');
 }
 
-=item ship_contact
+=item ship_contact_firstlast
 
-Returns this customer's full (shipping) contact name only, "Last, First"
+Returns this customer's full (shipping) contact name only, "First Last".
 
 =cut
 
-sub ship_contact {
+sub ship_contact_firstlast {
   my $self = shift;
   $self->get('ship_last')
-    ? $self->get('ship_last'). ', '. $self->ship_first
-    : $self->contact;
+    ? $self->first. ' '. $self->get('ship_last')
+    : $self->contact_firstlast;
 }
 
 =item country_full
@@ -3807,6 +7076,45 @@ sub country_full {
   code2country($self->country);
 }
 
+=item geocode DATA_VENDOR
+
+Returns a value for the customer location as encoded by DATA_VENDOR.
+Currently this only makes sense for "CCH" as DATA_VENDOR.
+
+=cut
+
+sub geocode {
+  my ($self, $data_vendor) = (shift, shift);  #always cch for now
+
+  my $geocode = $self->get('geocode');  #XXX only one data_vendor for geocode
+  return $geocode if $geocode;
+
+  my $prefix = ( $conf->exists('tax-ship_address') && length($self->ship_last) )
+               ? 'ship_'
+               : '';
+
+  my ($zip,$plus4) = split /-/, $self->get("${prefix}zip")
+    if $self->country eq 'US';
+
+  #CCH specific location stuff
+  my $extra_sql = "AND plus4lo <= '$plus4' AND plus4hi >= '$plus4'";
+
+  my @cust_tax_location =
+    qsearch( {
+               'table'     => 'cust_tax_location', 
+               'hashref'   => { 'zip' => $zip, 'data_vendor' => $data_vendor },
+               'extra_sql' => $extra_sql,
+               'order_by'  => 'ORDER BY plus4hi',#overlapping with distinct ends
+             }
+           );
+  $geocode = $cust_tax_location[0]->geocode
+    if scalar(@cust_tax_location);
+
+  $geocode;
+}
+
+=item cust_status
+
 =item status
 
 Returns a status string for this customer, currently:
@@ -3827,17 +7135,35 @@ Returns a status string for this customer, currently:
 
 =cut
 
-sub status {
+sub status { shift->cust_status(@_); }
+
+sub cust_status {
   my $self = shift;
   for my $status (qw( prospect active inactive suspended cancelled )) {
     my $method = $status.'_sql';
     my $numnum = ( my $sql = $self->$method() ) =~ s/cust_main\.custnum/?/g;
     my $sth = dbh->prepare("SELECT $sql") or die dbh->errstr;
-    $sth->execute( ($self->custnum) x $numnum ) or die $sth->errstr;
+    $sth->execute( ($self->custnum) x $numnum )
+      or die "Error executing 'SELECT $sql': ". $sth->errstr;
     return $status if $sth->fetchrow_arrayref->[0];
   }
 }
 
+=item ucfirst_cust_status
+
+=item ucfirst_status
+
+Returns the status with the first character capitalized.
+
+=cut
+
+sub ucfirst_status { shift->ucfirst_cust_status(@_); }
+
+sub ucfirst_cust_status {
+  my $self = shift;
+  ucfirst($self->cust_status);
+}
+
 =item statuscolor
 
 Returns a hex triplet color string for this customer's status.
@@ -3845,17 +7171,67 @@ Returns a hex triplet color string for this customer's status.
 =cut
 
 use vars qw(%statuscolor);
-%statuscolor = (
+tie %statuscolor, 'Tie::IxHash',
   'prospect'  => '7e0079', #'000000', #black?  naw, purple
   'active'    => '00CC00', #green
   'inactive'  => '0000CC', #blue
   'suspended' => 'FF9900', #yellow
   'cancelled' => 'FF0000', #red
-);
+;
+
+sub statuscolor { shift->cust_statuscolor(@_); }
+
+sub cust_statuscolor {
+  my $self = shift;
+  $statuscolor{$self->cust_status};
+}
+
+=item tickets
+
+Returns an array of hashes representing the customer's RT tickets.
+
+=cut
+
+sub tickets {
+  my $self = shift;
+
+  my $num = $conf->config('cust_main-max_tickets') || 10;
+  my @tickets = ();
+
+  if ( $conf->config('ticket_system') ) {
+    unless ( $conf->config('ticket_system-custom_priority_field') ) {
 
-sub statuscolor {
+      @tickets = @{ FS::TicketSystem->customer_tickets($self->custnum, $num) };
+
+    } else {
+
+      foreach my $priority (
+        $conf->config('ticket_system-custom_priority_field-values'), ''
+      ) {
+        last if scalar(@tickets) >= $num;
+        push @tickets, 
+          @{ FS::TicketSystem->customer_tickets( $self->custnum,
+                                                 $num - scalar(@tickets),
+                                                 $priority,
+                                               )
+           };
+      }
+    }
+  }
+  (@tickets);
+}
+
+# Return services representing svc_accts in customer support packages
+sub support_services {
   my $self = shift;
-  $statuscolor{$self->status};
+  my %packages = map { $_ => 1 } $conf->config('support_packages');
+
+  grep { $_->pkg_svc && $_->pkg_svc->primary_svc eq 'Y' }
+    grep { $_->part_svc->svcdb eq 'svc_acct' }
+    map { $_->cust_svc }
+    grep { exists $packages{ $_->pkgpart } }
+    $self->ncancelled_pkgs;
+
 }
 
 =back
@@ -3864,6 +7240,20 @@ sub statuscolor {
 
 =over 4
 
+=item statuses
+
+Class method that returns the list of possible status strings for customers
+(see L<the status method|/status>).  For example:
+
+  @statuses = FS::cust_main->statuses();
+
+=cut
+
+sub statuses {
+  #my $self = shift; #could be class...
+  keys %statuscolor;
+}
+
 =item prospect_sql
 
 Returns an SQL expression identifying prospective cust_main records (customers
@@ -3887,7 +7277,7 @@ sub prospect_sql { "
 =item active_sql
 
 Returns an SQL expression identifying active cust_main records (customers with
-no active recurring packages, but otherwise unsuspended/uncancelled).
+active recurring packages).
 
 =cut
 
@@ -3899,7 +7289,7 @@ sub active_sql { "
 =item inactive_sql
 
 Returns an SQL expression identifying inactive cust_main records (customers with
-active recurring packages).
+no active recurring packages, but otherwise unsuspended/uncancelled).
 
 =cut
 
@@ -3934,37 +7324,452 @@ Returns an SQL expression identifying cancelled cust_main records.
 sub cancelled_sql { cancel_sql(@_); }
 sub cancel_sql {
 
-  my $recurring_sql = FS::cust_pkg->recurring_sql;
-  #my $recurring_sql = "
-  #  '0' != ( select freq from part_pkg
-  #             where cust_pkg.pkgpart = part_pkg.pkgpart )
-  #";
+  my $recurring_sql = FS::cust_pkg->recurring_sql;
+  my $cancelled_sql = FS::cust_pkg->cancelled_sql;
+
+  "
+        0 < ( $select_count_pkgs )
+    AND 0 < ( $select_count_pkgs AND $recurring_sql AND $cancelled_sql   )
+    AND 0 = ( $select_count_pkgs AND $recurring_sql
+                  AND ( cust_pkg.cancel IS NULL OR cust_pkg.cancel = 0 )
+            )
+    AND 0 = (  $select_count_pkgs AND ". FS::cust_pkg->inactive_sql. " )
+  ";
+
+}
+
+=item uncancel_sql
+=item uncancelled_sql
+
+Returns an SQL expression identifying un-cancelled cust_main records.
+
+=cut
+
+sub uncancelled_sql { uncancel_sql(@_); }
+sub uncancel_sql { "
+  ( 0 < ( $select_count_pkgs
+                   AND ( cust_pkg.cancel IS NULL
+                         OR cust_pkg.cancel = 0
+                       )
+        )
+    OR 0 = ( $select_count_pkgs )
+  )
+"; }
+
+=item balance_sql
+
+Returns an SQL fragment to retreive the balance.
+
+=cut
+
+sub balance_sql { "
+    ( SELECT COALESCE( SUM(charged), 0 ) FROM cust_bill
+        WHERE cust_bill.custnum   = cust_main.custnum     )
+  - ( SELECT COALESCE( SUM(paid),    0 ) FROM cust_pay
+        WHERE cust_pay.custnum    = cust_main.custnum     )
+  - ( SELECT COALESCE( SUM(amount),  0 ) FROM cust_credit
+        WHERE cust_credit.custnum = cust_main.custnum     )
+  + ( SELECT COALESCE( SUM(refund),  0 ) FROM cust_refund
+        WHERE cust_refund.custnum = cust_main.custnum     )
+"; }
+
+=item balance_date_sql START_TIME [ END_TIME [ OPTION => VALUE ... ] ]
+
+Returns an SQL fragment to retreive the balance for this customer, only
+considering invoices with date earlier than START_TIME, and optionally not
+later than END_TIME (total_owed_date minus total_unapplied_credits minus
+total_unapplied_payments).
+
+Times are specified as SQL fragments or numeric
+UNIX timestamps; see L<perlfunc/"time">).  Also see L<Time::Local> and
+L<Date::Parse> for conversion functions.  The empty string can be passed
+to disable that time constraint completely.
+
+Available options are:
+
+=over 4
+
+=item unapplied_date
+
+set to true to disregard unapplied credits, payments and refunds outside the specified time period - by default the time period restriction only applies to invoices (useful for reporting, probably a bad idea for event triggering)
+
+=item total
+
+(unused.  obsolete?)
+set to true to remove all customer comparison clauses, for totals
+
+=item where
+
+(unused.  obsolete?)
+WHERE clause hashref (elements "AND"ed together) (typically used with the total option)
+
+=item join
+
+(unused.  obsolete?)
+JOIN clause (typically used with the total option)
+
+=back
+
+=cut
+
+sub balance_date_sql {
+  my( $class, $start, $end, %opt ) = @_;
+
+  my $owed         = FS::cust_bill->owed_sql;
+  my $unapp_refund = FS::cust_refund->unapplied_sql;
+  my $unapp_credit = FS::cust_credit->unapplied_sql;
+  my $unapp_pay    = FS::cust_pay->unapplied_sql;
+
+  my $j = $opt{'join'} || '';
+
+  my $owed_wh   = $class->_money_table_where( 'cust_bill',   $start,$end,%opt );
+  my $refund_wh = $class->_money_table_where( 'cust_refund', $start,$end,%opt );
+  my $credit_wh = $class->_money_table_where( 'cust_credit', $start,$end,%opt );
+  my $pay_wh    = $class->_money_table_where( 'cust_pay',    $start,$end,%opt );
+
+  "   ( SELECT COALESCE(SUM($owed),         0) FROM cust_bill   $j $owed_wh   )
+    + ( SELECT COALESCE(SUM($unapp_refund), 0) FROM cust_refund $j $refund_wh )
+    - ( SELECT COALESCE(SUM($unapp_credit), 0) FROM cust_credit $j $credit_wh )
+    - ( SELECT COALESCE(SUM($unapp_pay),    0) FROM cust_pay    $j $pay_wh    )
+  ";
+
+}
+
+=item _money_table_where TABLE START_TIME [ END_TIME [ OPTION => VALUE ... ] ]
+
+Helper method for balance_date_sql; name (and usage) subject to change
+(suggestions welcome).
+
+Returns a WHERE clause for the specified monetary TABLE (cust_bill,
+cust_refund, cust_credit or cust_pay).
+
+If TABLE is "cust_bill" or the unapplied_date option is true, only
+considers records with date earlier than START_TIME, and optionally not
+later than END_TIME .
+
+=cut
+
+sub _money_table_where {
+  my( $class, $table, $start, $end, %opt ) = @_;
+
+  my @where = ();
+  push @where, "cust_main.custnum = $table.custnum" unless $opt{'total'};
+  if ( $table eq 'cust_bill' || $opt{'unapplied_date'} ) {
+    push @where, "$table._date <= $start" if defined($start) && length($start);
+    push @where, "$table._date >  $end"   if defined($end)   && length($end);
+  }
+  push @where, @{$opt{'where'}} if $opt{'where'};
+  my $where = scalar(@where) ? 'WHERE '. join(' AND ', @where ) : '';
+
+  $where;
+
+}
+
+=item search_sql HASHREF
+
+(Class method)
+
+Returns a qsearch hash expression to search for parameters specified in HREF.
+Valid parameters are
+
+=over 4
+
+=item agentnum
+
+=item status
+
+=item cancelled_pkgs
+
+bool
+
+=item signupdate
+
+listref of start date, end date
+
+=item payby
+
+listref
+
+=item current_balance
+
+listref (list returned by FS::UI::Web::parse_lt_gt($cgi, 'current_balance'))
+
+=item cust_fields
+
+=item flattened_pkgs
+
+bool
+
+=back
+
+=cut
+
+sub search_sql {
+  my ($class, $params) = @_;
+
+  my $dbh = dbh;
+
+  my @where = ();
+  my $orderby;
+
+  ##
+  # parse agent
+  ##
+
+  if ( $params->{'agentnum'} =~ /^(\d+)$/ and $1 ) {
+    push @where,
+      "cust_main.agentnum = $1";
+  }
+
+  ##
+  # parse status
+  ##
+
+  #prospect active inactive suspended cancelled
+  if ( grep { $params->{'status'} eq $_ } FS::cust_main->statuses() ) {
+    my $method = $params->{'status'}. '_sql';
+    #push @where, $class->$method();
+    push @where, FS::cust_main->$method();
+  }
+  
+  ##
+  # parse cancelled package checkbox
+  ##
+
+  my $pkgwhere = "";
+
+  $pkgwhere .= "AND (cancel = 0 or cancel is null)"
+    unless $params->{'cancelled_pkgs'};
+
+  ##
+  # dates
+  ##
+
+  foreach my $field (qw( signupdate )) {
+
+    next unless exists($params->{$field});
+
+    my($beginning, $ending) = @{$params->{$field}};
+
+    push @where,
+      "cust_main.$field IS NOT NULL",
+      "cust_main.$field >= $beginning",
+      "cust_main.$field <= $ending";
+
+    $orderby ||= "ORDER BY cust_main.$field";
+
+  }
+
+  ###
+  # payby
+  ###
+
+  my @payby = grep /^([A-Z]{4})$/, @{ $params->{'payby'} };
+  if ( @payby ) {
+    push @where, '( '. join(' OR ', map "cust_main.payby = '$_'", @payby). ' )';
+  }
+
+  ##
+  # amounts
+  ##
+
+  #my $balance_sql = $class->balance_sql();
+  my $balance_sql = FS::cust_main->balance_sql();
+
+  push @where, map { s/current_balance/$balance_sql/; $_ }
+                   @{ $params->{'current_balance'} };
+
+  ##
+  # custbatch
+  ##
+
+  if ( $params->{'custbatch'} =~ /^([\w\/\-\:\.]+)$/ and $1 ) {
+    push @where,
+      "cust_main.custbatch = '$1'";
+  }
+
+  ##
+  # setup queries, subs, etc. for the search
+  ##
+
+  $orderby ||= 'ORDER BY custnum';
+
+  # here is the agent virtualization
+  push @where, $FS::CurrentUser::CurrentUser->agentnums_sql;
+
+  my $extra_sql = scalar(@where) ? ' WHERE '. join(' AND ', @where) : '';
+
+  my $addl_from = 'LEFT JOIN cust_pkg USING ( custnum  ) ';
+
+  my $count_query = "SELECT COUNT(*) FROM cust_main $extra_sql";
+
+  my $select = join(', ', 
+                 'cust_main.custnum',
+                 FS::UI::Web::cust_sql_fields($params->{'cust_fields'}),
+               );
+
+  my(@extra_headers) = ();
+  my(@extra_fields)  = ();
+
+  if ($params->{'flattened_pkgs'}) {
+
+    if ($dbh->{Driver}->{Name} eq 'Pg') {
+
+      $select .= ", array_to_string(array(select pkg from cust_pkg left join part_pkg using ( pkgpart ) where cust_main.custnum = cust_pkg.custnum $pkgwhere),'|') as magic";
+
+    }elsif ($dbh->{Driver}->{Name} =~ /^mysql/i) {
+      $select .= ", GROUP_CONCAT(pkg SEPARATOR '|') as magic";
+      $addl_from .= " LEFT JOIN part_pkg using ( pkgpart )";
+    }else{
+      warn "warning: unknown database type ". $dbh->{Driver}->{Name}. 
+           "omitting packing information from report.";
+    }
+
+    my $header_query = "SELECT COUNT(cust_pkg.custnum = cust_main.custnum) AS count FROM cust_main $addl_from $extra_sql $pkgwhere group by cust_main.custnum order by count desc limit 1";
+
+    my $sth = dbh->prepare($header_query) or die dbh->errstr;
+    $sth->execute() or die $sth->errstr;
+    my $headerrow = $sth->fetchrow_arrayref;
+    my $headercount = $headerrow ? $headerrow->[0] : 0;
+    while($headercount) {
+      unshift @extra_headers, "Package ". $headercount;
+      unshift @extra_fields, eval q!sub {my $c = shift;
+                                         my @a = split '\|', $c->magic;
+                                         my $p = $a[!.--$headercount. q!];
+                                         $p;
+                                        };!;
+    }
+
+  }
+
+  my $sql_query = {
+    'table'         => 'cust_main',
+    'select'        => $select,
+    'hashref'       => {},
+    'extra_sql'     => $extra_sql,
+    'order_by'      => $orderby,
+    'count_query'   => $count_query,
+    'extra_headers' => \@extra_headers,
+    'extra_fields'  => \@extra_fields,
+  };
+
+}
+
+=item email_search_sql HASHREF
+
+(Class method)
+
+Emails a notice to the specified customers.
+
+Valid parameters are those of the L<search_sql> method, plus the following:
+
+=over 4
+
+=item from
+
+From: address
+
+=item subject
+
+Email Subject:
+
+=item html_body
+
+HTML body
+
+=item text_body
+
+Text body
+
+=item job
+
+Optional job queue job for status updates.
+
+=back
+
+Returns an error message, or false for success.
+
+If an error occurs during any email, stops the enture send and returns that
+error.  Presumably if you're getting SMTP errors aborting is better than 
+retrying everything.
+
+=cut
+
+sub email_search_sql {
+  my($class, $params) = @_;
+
+  my $from = delete $params->{from};
+  my $subject = delete $params->{subject};
+  my $html_body = delete $params->{html_body};
+  my $text_body = delete $params->{text_body};
+
+  my $job = delete $params->{'job'};
+
+  my $sql_query = $class->search_sql($params);
+
+  my $count_query   = delete($sql_query->{'count_query'});
+  my $count_sth = dbh->prepare($count_query)
+    or die "Error preparing $count_query: ". dbh->errstr;
+  $count_sth->execute
+    or die "Error executing $count_query: ". $count_sth->errstr;
+  my $count_arrayref = $count_sth->fetchrow_arrayref;
+  my $num_cust = $count_arrayref->[0];
+
+  #my @extra_headers = @{ delete($sql_query->{'extra_headers'}) };
+  #my @extra_fields  = @{ delete($sql_query->{'extra_fields'})  };
+
+
+  my( $num, $last, $min_sec ) = (0, time, 5); #progresbar foo
+
+  #eventually order+limit magic to reduce memory use?
+  foreach my $cust_main ( qsearch($sql_query) ) {
+
+    my $to = $cust_main->invoicing_list_emailonly_scalar;
+    next unless $to;
+
+    my $error = send_email(
+      generate_email(
+        'from'      => $from,
+        'to'        => $to,
+        'subject'   => $subject,
+        'html_body' => $html_body,
+        'text_body' => $text_body,
+      )
+    );
+    return $error if $error;
+
+    if ( $job ) { #progressbar foo
+      $num++;
+      if ( time - $min_sec > $last ) {
+        my $error = $job->update_statustext(
+          int( 100 * $num / $num_cust )
+        );
+        die $error if $error;
+        $last = time;
+      }
+    }
+
+  }
 
-  "
-    0 < ( $select_count_pkgs )
-    AND 0 = ( $select_count_pkgs AND $recurring_sql
-                  AND ( cust_pkg.cancel IS NULL OR cust_pkg.cancel = 0 )
-            )
-  ";
+  return '';
 }
 
-=item uncancel_sql
-=item uncancelled_sql
+use Storable qw(thaw);
+use Data::Dumper;
+use MIME::Base64;
+sub process_email_search_sql {
+  my $job = shift;
+  #warn "$me process_re_X $method for job $job\n" if $DEBUG;
 
-Returns an SQL expression identifying un-cancelled cust_main records.
+  my $param = thaw(decode_base64(shift));
+  warn Dumper($param) if $DEBUG;
 
-=cut
+  $param->{'job'} = $job;
 
-sub uncancelled_sql { uncancel_sql(@_); }
-sub uncancel_sql { "
-  ( 0 < ( $select_count_pkgs
-                   AND ( cust_pkg.cancel IS NULL
-                         OR cust_pkg.cancel = 0
-                       )
-        )
-    OR 0 = ( $select_count_pkgs )
-  )
-"; }
+  my $error = FS::cust_main->email_search_sql( $param );
+  die $error if $error;
+
+}
 
 =item fuzzy_search FUZZY_HASHREF [ HASHREF, SELECT, EXTRA_SQL, CACHE_OBJ ]
 
@@ -4008,6 +7813,22 @@ sub fuzzy_search {
 
 }
 
+=item masked FIELD
+
+Returns a masked version of the named field
+
+=cut
+
+sub masked {
+my ($self,$field) = @_;
+
+# Show last four
+
+'x'x(length($self->getfield($field))-4).
+  substr($self->getfield($field), (length($self->getfield($field))-4));
+
+}
+
 =back
 
 =head1 SUBROUTINES
@@ -4019,7 +7840,8 @@ sub fuzzy_search {
 Accepts the following options: I<search>, the string to search for.  The string
 will be searched for as a customer number, phone number, name or company name,
 as an exact, or, in some cases, a substring or fuzzy match (see the source code
-for the exact heuristics used).
+for the exact heuristics used); I<no_fuzzy_on_exact>, causes smart_search to
+skip fuzzy matching when an exact match is found.
 
 Any additional options are treated as an additional qualifier on the search
 (i.e. I<agentnum>).
@@ -4036,6 +7858,7 @@ sub smart_search {
 
   my @cust_main = ();
 
+  my $skip_fuzzy = delete $options{'no_fuzzy_on_exact'};
   my $search = delete $options{'search'};
   ( my $alphanum_search = $search ) =~ s/\W//g;
   
@@ -4076,11 +7899,30 @@ sub smart_search {
 
     }
 
-  } elsif ( $search =~ /^\s*(\d+)\s*$/ ) { # customer # search
+  # custnum search (also try agent_custid), with some tweaking options if your
+  # legacy cust "numbers" have letters
+  } 
+
+  if ( $search =~ /^\s*(\d+)\s*$/
+            || ( $conf->config('cust_main-agent_custid-format') eq 'ww?d+'
+                 && $search =~ /^\s*(\w\w?\d+)\s*$/
+               )
+          )
+  {
+
+    my $num = $1;
+
+    if ( $num <= 2147483647 ) { #need a bigint custnum?  wow.
+      push @cust_main, qsearch( {
+        'table'     => 'cust_main',
+        'hashref'   => { 'custnum' => $num, %options },
+        'extra_sql' => " AND $agentnums_sql", #agent virtualization
+      } );
+    }
 
     push @cust_main, qsearch( {
       'table'     => 'cust_main',
-      'hashref'   => { 'custnum' => $1, %options },
+      'hashref'   => { 'agent_custid' => $num, %options },
       'extra_sql' => " AND $agentnums_sql", #agent virtualization
     } );
 
@@ -4171,11 +8013,12 @@ sub smart_search {
       'extra_sql' => "$sql AND $agentnums_sql", #agent virtualization
     } );
 
-    #always do substring & fuzzy,
-    #getting complains searches are not returning enough
-    #unless ( @cust_main ) {  #no exact match, trying substring/fuzzy
+    #no exact match, trying substring/fuzzy
+    #always do substring & fuzzy (unless they're explicity config'ed off)
+    #getting complaints searches are not returning enough
+    unless ( @cust_main  && $skip_fuzzy || $conf->exists('disable-fuzzy') ) {
 
-      #still some false laziness w/ search/cust_main.cgi
+      #still some false laziness w/search_sql (was search/cust_main.cgi)
 
       #substring
 
@@ -4234,7 +8077,7 @@ sub smart_search {
           FS::cust_main->fuzzy_search( { $field => $value }, @fuzopts );
       }
 
-    #}
+    }
 
     #eliminate duplicates
     my %saw = ();
@@ -4246,6 +8089,72 @@ sub smart_search {
 
 }
 
+=item email_search
+
+Accepts the following options: I<email>, the email address to search for.  The
+email address will be searched for as an email invoice destination and as an
+svc_acct account.
+
+#Any additional options are treated as an additional qualifier on the search
+#(i.e. I<agentnum>).
+
+Returns a (possibly empty) array of FS::cust_main objects (but usually just
+none or one).
+
+=cut
+
+sub email_search {
+  my %options = @_;
+
+  local($DEBUG) = 1;
+
+  my $email = delete $options{'email'};
+
+  #we're only being used by RT at the moment... no agent virtualization yet
+  #my $agentnums_sql = $FS::CurrentUser::CurrentUser->agentnums_sql;
+
+  my @cust_main = ();
+
+  if ( $email =~ /([^@]+)\@([^@]+)/ ) {
+
+    my ( $user, $domain ) = ( $1, $2 );
+
+    warn "$me smart_search: searching for $user in domain $domain"
+      if $DEBUG;
+
+    push @cust_main,
+      map $_->cust_main,
+          qsearch( {
+                     'table'     => 'cust_main_invoice',
+                     'hashref'   => { 'dest' => $email },
+                   }
+                 );
+
+    push @cust_main,
+      map  $_->cust_main,
+      grep $_,
+      map  $_->cust_svc->cust_pkg,
+          qsearch( {
+                     'table'     => 'svc_acct',
+                     'hashref'   => { 'username' => $user, },
+                     'extra_sql' =>
+                       'AND ( SELECT domain FROM svc_domain
+                                WHERE svc_acct.domsvc = svc_domain.svcnum
+                            ) = '. dbh->quote($domain),
+                   }
+                 );
+  }
+
+  my %saw = ();
+  @cust_main = grep { !$saw{$_->custnum}++ } @cust_main;
+
+  warn "$me smart_search: found ". scalar(@cust_main). " unique customers"
+    if $DEBUG;
+
+  @cust_main;
+
+}
+
 =item check_and_rebuild_fuzzyfiles
 
 =cut
@@ -4254,7 +8163,7 @@ use vars qw(@fuzzyfields);
 @fuzzyfields = ( 'last', 'first', 'company' );
 
 sub check_and_rebuild_fuzzyfiles {
-  my $dir = $FS::UID::conf_dir. "cache.". $FS::UID::datasrc;
+  my $dir = $FS::UID::conf_dir. "/cache.". $FS::UID::datasrc;
   rebuild_fuzzyfiles() if grep { ! -e "$dir/cust_main.$_" } @fuzzyfields
 }
 
@@ -4266,7 +8175,7 @@ sub rebuild_fuzzyfiles {
 
   use Fcntl qw(:flock);
 
-  my $dir = $FS::UID::conf_dir. "cache.". $FS::UID::datasrc;
+  my $dir = $FS::UID::conf_dir. "/cache.". $FS::UID::datasrc;
   mkdir $dir, 0700 unless -d $dir;
 
   foreach my $fuzzy ( @fuzzyfields ) {
@@ -4304,7 +8213,7 @@ sub rebuild_fuzzyfiles {
 
 sub all_X {
   my( $self, $field ) = @_;
-  my $dir = $FS::UID::conf_dir. "cache.". $FS::UID::datasrc;
+  my $dir = $FS::UID::conf_dir. "/cache.". $FS::UID::datasrc;
   open(CACHE,"<$dir/cust_main.$field")
     or die "can't open $dir/cust_main.$field: $!";
   my @array = map { chomp; $_; } <CACHE>;
@@ -4323,7 +8232,7 @@ sub append_fuzzyfiles {
 
   use Fcntl qw(:flock);
 
-  my $dir = $FS::UID::conf_dir. "cache.". $FS::UID::datasrc;
+  my $dir = $FS::UID::conf_dir. "/cache.". $FS::UID::datasrc;
 
   foreach my $field (qw( first last company )) {
     my $value = shift;
@@ -4347,42 +8256,15 @@ sub append_fuzzyfiles {
   1;
 }
 
-=item batch_import
+=item batch_charge
 
 =cut
 
-sub batch_import {
+sub batch_charge {
   my $param = shift;
   #warn join('-',keys %$param);
   my $fh = $param->{filehandle};
-  my $agentnum = $param->{agentnum};
-
-  my $refnum = $param->{refnum};
-  my $pkgpart = $param->{pkgpart};
-
-  #my @fields = @{$param->{fields}};
-  my $format = $param->{'format'};
-  my @fields;
-  my $payby;
-  if ( $format eq 'simple' ) {
-    @fields = qw( cust_pkg.setup dayphone first last
-                  address1 address2 city state zip comments );
-    $payby = 'BILL';
-  } elsif ( $format eq 'extended' ) {
-    @fields = qw( agent_custid refnum
-                  last first address1 address2 city state zip country
-                  daytime night
-                  ship_last ship_first ship_address1 ship_address2
-                  ship_city ship_state ship_zip ship_country
-                  payinfo paycvv paydate
-                  invoicing_list
-                  cust_pkg.pkgpart
-                  svc_acct.username svc_acct._password 
-                );
-    $payby = 'BILL';
-  } else {
-    die "unknown format $format";
-  }
+  my @fields = @{$param->{fields}};
 
   eval "use Text::CSV_XS;";
   die $@ if $@;
@@ -4417,209 +8299,365 @@ sub batch_import {
     my @columns = $csv->fields();
     #warn join('-',@columns);
 
-    my %cust_main = (
-      agentnum => $agentnum,
-      refnum   => $refnum,
-      country  => $conf->config('countrydefault') || 'US',
-      payby    => $payby, #default
-      paydate  => '12/2037', #default
-    );
-    my $billtime = time;
-    my %cust_pkg = ( pkgpart => $pkgpart );
-    my %svc_acct = ();
+    my %row = ();
     foreach my $field ( @fields ) {
+      $row{$field} = shift @columns;
+    }
 
-      if ( $field =~ /^cust_pkg\.(pkgpart|setup|bill|susp|expire|cancel)$/ ) {
+    my $cust_main = qsearchs('cust_main', { 'custnum' => $row{'custnum'} } );
+    unless ( $cust_main ) {
+      $dbh->rollback if $oldAutoCommit;
+      return "unknown custnum $row{'custnum'}";
+    }
 
-        #$cust_pkg{$1} = str2time( shift @$columns );
-        if ( $1 eq 'pkgpart' ) {
-          $cust_pkg{$1} = shift @columns;
-        } elsif ( $1 eq 'setup' ) {
-          $billtime = str2time(shift @columns);
-        } else {
-          $cust_pkg{$1} = str2time( shift @columns );
-        } 
+    if ( $row{'amount'} > 0 ) {
+      my $error = $cust_main->charge($row{'amount'}, $row{'pkg'});
+      if ( $error ) {
+        $dbh->rollback if $oldAutoCommit;
+        return $error;
+      }
+      $imported++;
+    } elsif ( $row{'amount'} < 0 ) {
+      my $error = $cust_main->credit( sprintf( "%.2f", 0-$row{'amount'} ),
+                                      $row{'pkg'}                         );
+      if ( $error ) {
+        $dbh->rollback if $oldAutoCommit;
+        return $error;
+      }
+      $imported++;
+    } else {
+      #hmm?
+    }
 
-      } elsif ( $field =~ /^svc_acct\.(username|_password)$/ ) {
+  }
 
-        $svc_acct{$1} = shift @columns;
-        
-      } else {
+  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
 
-        #refnum interception
-        if ( $field eq 'refnum' && $columns[0] !~ /^\s*(\d+)\s*$/ ) {
+  return "Empty file!" unless $imported;
 
-          my $referral = $columns[0];
-          my %hash = ( 'referral' => $referral,
-                       'agentnum' => $agentnum,
-                       'disabled' => '',
-                     );
+  ''; #no error
 
-          my $part_referral = qsearchs('part_referral', \%hash )
-                              || new FS::part_referral \%hash;
+}
 
-          unless ( $part_referral->refnum ) {
-            my $error = $part_referral->insert;
-            if ( $error ) {
-              $dbh->rollback if $oldAutoCommit;
-              return "can't auto-insert advertising source: $referral: $error";
-            }
-          }
+=item notify CUSTOMER_OBJECT TEMPLATE_NAME OPTIONS
 
-          $columns[0] = $part_referral->refnum;
-        }
+Sends a templated email notification to the customer (see L<Text::Template>).
 
-        #$cust_main{$field} = shift @$columns; 
-        $cust_main{$field} = shift @columns; 
-      }
-    }
+OPTIONS is a hash and may include
 
-    $cust_main{'payby'} = 'CARD' if length($cust_main{'payinfo'});
+I<from> - the email sender (default is invoice_from)
 
-    my $invoicing_list = $cust_main{'invoicing_list'}
-                           ? [ delete $cust_main{'invoicing_list'} ]
-                           : [];
+I<to> - comma-separated scalar or arrayref of recipients 
+   (default is invoicing_list)
 
-    my $cust_main = new FS::cust_main ( \%cust_main );
+I<subject> - The subject line of the sent email notification
+   (default is "Notice from company_name")
 
-    use Tie::RefHash;
-    tie my %hash, 'Tie::RefHash'; #this part is important
+I<extra_fields> - a hashref of name/value pairs which will be substituted
+   into the template
 
-    if ( $cust_pkg{'pkgpart'} ) {
-      my $cust_pkg = new FS::cust_pkg ( \%cust_pkg );
+The following variables are vavailable in the template.
 
-      my @svc_acct = ();
-      if ( $svc_acct{'username'} ) {
-        my $part_pkg = $cust_pkg->part_pkg;
-	unless ( $part_pkg ) {
-	  $dbh->rollback if $oldAutoCommit;
-	  return "unknown pkgnum ". $cust_pkg{'pkgpart'};
-	} 
-        $svc_acct{svcpart} = $part_pkg->svcpart( 'svc_acct' );
-        push @svc_acct, new FS::svc_acct ( \%svc_acct )
-      }
+I<$first> - the customer first name
+I<$last> - the customer last name
+I<$company> - the customer company
+I<$payby> - a description of the method of payment for the customer
+            # would be nice to use FS::payby::shortname
+I<$payinfo> - the account information used to collect for this customer
+I<$expdate> - the expiration of the customer payment in seconds from epoch
 
-      $hash{$cust_pkg} = \@svc_acct;
-    }
+=cut
 
-    my $error = $cust_main->insert( \%hash, $invoicing_list );
+sub notify {
+  my ($self, $template, %options) = @_;
 
-    if ( $error ) {
-      $dbh->rollback if $oldAutoCommit;
-      return "can't insert customer for $line: $error";
-    }
+  return unless $conf->exists($template);
 
-    if ( $format eq 'simple' ) {
+  my $from = $conf->config('invoice_from', $self->agentnum)
+    if $conf->exists('invoice_from', $self->agentnum);
+  $from = $options{from} if exists($options{from});
 
-      #false laziness w/bill.cgi
-      $error = $cust_main->bill( 'time' => $billtime );
-      if ( $error ) {
-        $dbh->rollback if $oldAutoCommit;
-        return "can't bill customer for $line: $error";
-      }
+  my $to = join(',', $self->invoicing_list_emailonly);
+  $to = $options{to} if exists($options{to});
   
-      $cust_main->apply_payments;
-      $cust_main->apply_credits;
-  
-      $error = $cust_main->collect();
-      if ( $error ) {
-        $dbh->rollback if $oldAutoCommit;
-        return "can't collect customer for $line: $error";
-      }
+  my $subject = "Notice from " . $conf->config('company_name', $self->agentnum)
+    if $conf->exists('company_name', $self->agentnum);
+  $subject = $options{subject} if exists($options{subject});
+
+  my $notify_template = new Text::Template (TYPE => 'ARRAY',
+                                            SOURCE => [ map "$_\n",
+                                              $conf->config($template)]
+                                           )
+    or die "can't create new Text::Template object: Text::Template::ERROR";
+  $notify_template->compile()
+    or die "can't compile template: Text::Template::ERROR";
+
+  $FS::notify_template::_template::company_name =
+    $conf->config('company_name', $self->agentnum);
+  $FS::notify_template::_template::company_address =
+    join("\n", $conf->config('company_address', $self->agentnum) ). "\n";
+
+  my $paydate = $self->paydate || '2037-12-31';
+  $FS::notify_template::_template::first = $self->first;
+  $FS::notify_template::_template::last = $self->last;
+  $FS::notify_template::_template::company = $self->company;
+  $FS::notify_template::_template::payinfo = $self->mask_payinfo;
+  my $payby = $self->payby;
+  my ($payyear,$paymonth,$payday) = split (/-/,$paydate);
+  my $expire_time = timelocal(0,0,0,$payday,--$paymonth,$payyear);
+
+  #credit cards expire at the end of the month/year of their exp date
+  if ($payby eq 'CARD' || $payby eq 'DCRD') {
+    $FS::notify_template::_template::payby = 'credit card';
+    ($paymonth < 11) ? $paymonth++ : ($paymonth=0, $payyear++);
+    $expire_time = timelocal(0,0,0,$payday,$paymonth,$payyear);
+    $expire_time--;
+  }elsif ($payby eq 'COMP') {
+    $FS::notify_template::_template::payby = 'complimentary account';
+  }else{
+    $FS::notify_template::_template::payby = 'current method';
+  }
+  $FS::notify_template::_template::expdate = $expire_time;
 
-    }
+  for (keys %{$options{extra_fields}}){
+    no strict "refs";
+    ${"FS::notify_template::_template::$_"} = $options{extra_fields}->{$_};
+  }
+
+  send_email(from => $from,
+             to => $to,
+             subject => $subject,
+             body => $notify_template->fill_in( PACKAGE =>
+                                                'FS::notify_template::_template'                                              ),
+            );
+
+}
+
+=item generate_letter CUSTOMER_OBJECT TEMPLATE_NAME OPTIONS
+
+Generates a templated notification to the customer (see L<Text::Template>).
+
+OPTIONS is a hash and may include
+
+I<extra_fields> - a hashref of name/value pairs which will be substituted
+   into the template.  These values may override values mentioned below
+   and those from the customer record.
+
+The following variables are available in the template instead of or in addition
+to the fields of the customer record.
+
+I<$payby> - a description of the method of payment for the customer
+            # would be nice to use FS::payby::shortname
+I<$payinfo> - the masked account information used to collect for this customer
+I<$expdate> - the expiration of the customer payment method in seconds from epoch
+I<$returnaddress> - the return address defaults to invoice_latexreturnaddress or company_address
 
-    $imported++;
+=cut
+
+sub generate_letter {
+  my ($self, $template, %options) = @_;
+
+  return unless $conf->exists($template);
+
+  my $letter_template = new Text::Template
+                        ( TYPE       => 'ARRAY',
+                          SOURCE     => [ map "$_\n", $conf->config($template)],
+                          DELIMITERS => [ '[@--', '--@]' ],
+                        )
+    or die "can't create new Text::Template object: Text::Template::ERROR";
+
+  $letter_template->compile()
+    or die "can't compile template: Text::Template::ERROR";
+
+  my %letter_data = map { $_ => $self->$_ } $self->fields;
+  $letter_data{payinfo} = $self->mask_payinfo;
+
+  #my $paydate = $self->paydate || '2037-12-31';
+  my $paydate = $self->paydate =~ /^\S+$/ ? $self->paydate : '2037-12-31';
+
+  my $payby = $self->payby;
+  my ($payyear,$paymonth,$payday) = split (/-/,$paydate);
+  my $expire_time = timelocal(0,0,0,$payday,--$paymonth,$payyear);
+
+  #credit cards expire at the end of the month/year of their exp date
+  if ($payby eq 'CARD' || $payby eq 'DCRD') {
+    $letter_data{payby} = 'credit card';
+    ($paymonth < 11) ? $paymonth++ : ($paymonth=0, $payyear++);
+    $expire_time = timelocal(0,0,0,$payday,$paymonth,$payyear);
+    $expire_time--;
+  }elsif ($payby eq 'COMP') {
+    $letter_data{payby} = 'complimentary account';
+  }else{
+    $letter_data{payby} = 'current method';
   }
+  $letter_data{expdate} = $expire_time;
 
-  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
+  for (keys %{$options{extra_fields}}){
+    $letter_data{$_} = $options{extra_fields}->{$_};
+  }
 
-  return "Empty file!" unless $imported;
+  unless(exists($letter_data{returnaddress})){
+    my $retadd = join("\n", $conf->config_orbase( 'invoice_latexreturnaddress',
+                                                  $self->agent_template)
+                     );
+    if ( length($retadd) ) {
+      $letter_data{returnaddress} = $retadd;
+    } elsif ( grep /\S/, $conf->config('company_address', $self->agentnum) ) {
+      $letter_data{returnaddress} =
+        join( '\\*'."\n", map s/( {2,})/'~' x length($1)/eg,
+                          $conf->config('company_address', $self->agentnum)
+        );
+    } else {
+      $letter_data{returnaddress} = '~';
+    }
+  }
 
-  ''; #no error
+  $letter_data{conf_dir} = "$FS::UID::conf_dir/conf.$FS::UID::datasrc";
+
+  $letter_data{company_name} = $conf->config('company_name', $self->agentnum);
 
+  my $dir = $FS::UID::conf_dir."/cache.". $FS::UID::datasrc;
+  my $fh = new File::Temp( TEMPLATE => 'letter.'. $self->custnum. '.XXXXXXXX',
+                           DIR      => $dir,
+                           SUFFIX   => '.tex',
+                           UNLINK   => 0,
+                         ) or die "can't open temp file: $!\n";
+
+  $letter_template->fill_in( OUTPUT => $fh, HASH => \%letter_data );
+  close $fh;
+  $fh->filename =~ /^(.*).tex$/ or die "unparsable filename: ". $fh->filename;
+  return $1;
 }
 
-=item batch_charge
+=item print_ps TEMPLATE 
+
+Returns an postscript letter filled in from TEMPLATE, as a scalar.
 
 =cut
 
-sub batch_charge {
-  my $param = shift;
-  #warn join('-',keys %$param);
-  my $fh = $param->{filehandle};
-  my @fields = @{$param->{fields}};
+sub print_ps {
+  my $self = shift;
+  my $file = $self->generate_letter(@_);
+  FS::Misc::generate_ps($file);
+}
 
-  eval "use Text::CSV_XS;";
-  die $@ if $@;
+=item print TEMPLATE
 
-  my $csv = new Text::CSV_XS;
-  #warn $csv;
-  #warn $fh;
+Prints the filled in template.
 
-  my $imported = 0;
-  #my $columns;
+TEMPLATE is the name of a L<Text::Template> to fill in and print.
 
-  local $SIG{HUP} = 'IGNORE';
-  local $SIG{INT} = 'IGNORE';
-  local $SIG{QUIT} = 'IGNORE';
-  local $SIG{TERM} = 'IGNORE';
-  local $SIG{TSTP} = 'IGNORE';
-  local $SIG{PIPE} = 'IGNORE';
+=cut
 
-  my $oldAutoCommit = $FS::UID::AutoCommit;
-  local $FS::UID::AutoCommit = 0;
-  my $dbh = dbh;
-  
-  #while ( $columns = $csv->getline($fh) ) {
-  my $line;
-  while ( defined($line=<$fh>) ) {
+sub queueable_print {
+  my %opt = @_;
 
-    $csv->parse($line) or do {
-      $dbh->rollback if $oldAutoCommit;
-      return "can't parse: ". $csv->error_input();
-    };
+  my $self = qsearchs('cust_main', { 'custnum' => $opt{custnum} } )
+    or die "invalid customer number: " . $opt{custvnum};
 
-    my @columns = $csv->fields();
-    #warn join('-',@columns);
+  my $error = $self->print( $opt{template} );
+  die $error if $error;
+}
 
-    my %row = ();
-    foreach my $field ( @fields ) {
-      $row{$field} = shift @columns;
-    }
+sub print {
+  my ($self, $template) = (shift, shift);
+  do_print [ $self->print_ps($template) ];
+}
 
-    my $cust_main = qsearchs('cust_main', { 'custnum' => $row{'custnum'} } );
-    unless ( $cust_main ) {
-      $dbh->rollback if $oldAutoCommit;
-      return "unknown custnum $row{'custnum'}";
-    }
+#these three subs should just go away once agent stuff is all config overrides
 
-    if ( $row{'amount'} > 0 ) {
-      my $error = $cust_main->charge($row{'amount'}, $row{'pkg'});
-      if ( $error ) {
-        $dbh->rollback if $oldAutoCommit;
-        return $error;
-      }
-      $imported++;
-    } elsif ( $row{'amount'} < 0 ) {
-      my $error = $cust_main->credit( sprintf( "%.2f", 0-$row{'amount'} ),
-                                      $row{'pkg'}                         );
-      if ( $error ) {
-        $dbh->rollback if $oldAutoCommit;
-        return $error;
-      }
-      $imported++;
-    } else {
-      #hmm?
-    }
+sub agent_template {
+  my $self = shift;
+  $self->_agent_plandata('agent_templatename');
+}
+
+sub agent_invoice_from {
+  my $self = shift;
+  $self->_agent_plandata('agent_invoice_from');
+}
+
+sub _agent_plandata {
+  my( $self, $option ) = @_;
+
+  #yuck.  this whole thing needs to be reconciled better with 1.9's idea of
+  #agent-specific Conf
+
+  use FS::part_event::Condition;
+  
+  my $agentnum = $self->agentnum;
 
+  my $regexp = '';
+  if ( driver_name =~ /^Pg/i ) {
+    $regexp = '~';
+  } elsif ( driver_name =~ /^mysql/i ) {
+    $regexp = 'REGEXP';
+  } else {
+    die "don't know how to use regular expressions in ". driver_name. " databases";
   }
 
-  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
+  my $part_event_option =
+    qsearchs({
+      'select'    => 'part_event_option.*',
+      'table'     => 'part_event_option',
+      'addl_from' => q{
+        LEFT JOIN part_event USING ( eventpart )
+        LEFT JOIN part_event_option AS peo_agentnum
+          ON ( part_event.eventpart = peo_agentnum.eventpart
+               AND peo_agentnum.optionname = 'agentnum'
+               AND peo_agentnum.optionvalue }. $regexp. q{ '(^|,)}. $agentnum. q{(,|$)'
+             )
+        LEFT JOIN part_event_condition
+          ON ( part_event.eventpart = part_event_condition.eventpart
+               AND part_event_condition.conditionname = 'cust_bill_age'
+             )
+        LEFT JOIN part_event_condition_option
+          ON ( part_event_condition.eventconditionnum = part_event_condition_option.eventconditionnum
+               AND part_event_condition_option.optionname = 'age'
+             )
+      },
+      #'hashref'   => { 'optionname' => $option },
+      #'hashref'   => { 'part_event_option.optionname' => $option },
+      'extra_sql' =>
+        " WHERE part_event_option.optionname = ". dbh->quote($option).
+        " AND action = 'cust_bill_send_agent' ".
+        " AND ( disabled IS NULL OR disabled != 'Y' ) ".
+        " AND peo_agentnum.optionname = 'agentnum' ".
+        " AND ( agentnum IS NULL OR agentnum = $agentnum ) ".
+        " ORDER BY
+           CASE WHEN part_event_condition_option.optionname IS NULL
+           THEN -1
+	   ELSE ". FS::part_event::Condition->age2seconds_sql('part_event_condition_option.optionvalue').
+        " END
+          , part_event.weight".
+        " LIMIT 1"
+    });
+    
+  unless ( $part_event_option ) {
+    return $self->agent->invoice_template || ''
+      if $option eq 'agent_templatename';
+    return '';
+  }
 
-  return "Empty file!" unless $imported;
+  $part_event_option->optionvalue;
 
-  ''; #no error
+}
+
+sub queued_bill {
+  ## actual sub, not a method, designed to be called from the queue.
+  ## sets up the customer, and calls the bill_and_collect
+  my (%args) = @_; #, ($time, $invoice_time, $check_freq, $resetup) = @_;
+  my $cust_main = qsearchs( 'cust_main', { custnum => $args{'custnum'} } );
+      $cust_main->bill_and_collect(
+        %args,
+      );
+}
+
+sub _upgrade_data { #class method
+  my ($class, %opts) = @_;
+
+  my $sql = 'UPDATE h_cust_main SET paycvv = NULL WHERE paycvv IS NOT NULL';
+  my $sth = dbh->prepare($sql) or die dbh->errstr;
+  $sth->execute or die $sth->errstr;
 
 }
 
@@ -4644,6 +8682,11 @@ payinfo_masked false laziness with cust_pay.pm and cust_refund.pm
 
 Birthdates rely on negative epoch values.
 
+The payby for card/check batches is broken.  With mixed batching, bad
+things will happen.
+
+B<collect> I<invoice_time> should be renamed I<time>, like B<bill>.
+
 =head1 SEE ALSO
 
 L<FS::Record>, L<FS::cust_pkg>, L<FS::cust_bill>, L<FS::cust_credit>