X-Git-Url: http://git.freeside.biz/gitweb/?p=freeside.git;a=blobdiff_plain;f=FS%2FFS%2Fcust_main.pm;h=2bad5ec3e996c304586c8fe7f2bb57164d5aa7bc;hp=1195083fc38258efea372dded9d2fa9eedce920c;hb=32db3ad86bcf04e4f34705a396b718061d333f20;hpb=3914680ee7b8382f88082e65dbda57a6a7afa7d4

diff --git a/FS/FS/cust_main.pm b/FS/FS/cust_main.pm
index 1195083fc..2bad5ec3e 100644
--- a/FS/FS/cust_main.pm
+++ b/FS/FS/cust_main.pm
@@ -8,32 +8,39 @@ use vars qw( $realtime_bop_decline_quiet ); #ugh
 use Safe;
 use Carp;
 use Exporter;
-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 Data::Dumper;
-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 generate_ps do_print );
+use FS::Misc qw( generate_email send_email generate_ps do_print );
 use FS::Msgcat qw(gettext);
 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_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::tax_rate;
+use FS::cust_tax_location;
+use FS::part_pkg_taxrate;
 use FS::agent;
 use FS::cust_main_invoice;
 use FS::cust_credit_bill;
@@ -44,8 +51,6 @@ use FS::part_pkg;
 use FS::part_event;
 use FS::part_event_condition;
 #use FS::cust_event;
-use FS::cust_tax_exempt;
-use FS::cust_tax_exempt_pkg;
 use FS::type_pkgs;
 use FS::payment_gateway;
 use FS::agent_payment_gateway;
@@ -53,7 +58,7 @@ use FS::banned_pay;
 use FS::payinfo_Mixin;
 use FS::TicketSystem;
 
-@ISA = qw( FS::Record FS::payinfo_Mixin );
+@ISA = qw( FS::payinfo_Mixin FS::Record );
 
 @EXPORT_OK = qw( smart_search );
 
@@ -132,97 +137,181 @@ 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
+
+First name
 
-=item agentnum - agent (see L<FS::agent>)
+=item last
 
-=item refnum - Advertising source (see L<FS::part_referral>)
+Last name
 
-=item first - name
+=item ss
 
-=item last - name
+Cocial security number (optional)
 
-=item ss - social security number (optional)
+=item company
 
-=item company - (optional)
+(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 - (see L<FS::cust_main_county>)
+=item state
+
+(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
+
+phone (optional)
 
-=item daytime - phone (optional)
+=item fax
 
-=item night - phone (optional)
+phone (optional)
 
-=item fax - phone (optional)
+=item ship_first
 
-=item ship_first - name
+Shipping first name
 
-=item ship_last - name
+=item ship_last
 
-=item ship_company - (optional)
+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
+
+(optional, see L<FS::cust_main_county>)
 
-=item ship_state - (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
+
+(see L<FS::cust_main_county>)
+
+=item ship_daytime
+
+phone (optional)
 
-=item ship_daytime - phone (optional)
+=item ship_night
 
-=item ship_night - phone (optional)
+phone (optional)
 
-=item ship_fax - phone (optional)
+=item ship_fax
 
-=item payby - Payment Type (See L<FS::payinfo_Mixin> for valid payby values)
+phone (optional)
 
-=item payinfo - Payment Information (See L<FS::payinfo_Mixin> for data format)
+=item payby
+
+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 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
 
-=item paydate - expiration date, mm/yyyy, m/yyyy, mm/yy or m/yy
+=item paydate
+
+Expiration date, mm/yyyy, m/yyyy, mm/yy or m/yy
+
+=item paystart_month
+
+Start date month (maestro/solo cards only)
 
-=item paystart_month - start date month (maestro/solo cards only)
+=item paystart_year
 
-=item paystart_year - start date year (maestro/solo cards only)
+Start date year (maestro/solo cards only)
 
-=item payissue - issue number (maestro/solo cards only)
+=item payissue
 
-=item payname - name on card or billing name
+Issue number (maestro/solo cards only)
 
-=item payip - IP address from which payment information was received
+=item payname
 
-=item tax - tax exempt, empty or `Y'
+Name on card or billing name
 
-=item otaker - order taker (assigned automatically, see L<FS::UID>)
+=item payip
 
-=item comments - comments (optional)
+IP address from which payment information was received
 
-=item referral_custnum - referring customer number
+=item tax
 
-=item spool_cdr - Enable individual CDR spooling, empty or `Y'
+Tax exempt, empty or `Y'
+
+=item otaker
+
+Order taker (assigned automatically, see L<FS::UID>)
+
+=item comments
+
+Comments (optional)
+
+=item referral_custnum
+
+Referring customer number
+
+=item spool_cdr
+
+Enable individual CDR spooling, empty or `Y'
+
+=item dundate
+
+A suggestion to events (see L<FS::part_bill_event">) to delay until this unix timestamp
+
+=item squelch_cdr
+
+Discourage individual CDR printing, empty or `Y'
 
 =back
 
@@ -336,6 +425,9 @@ 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;
@@ -412,6 +504,35 @@ 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;
 
@@ -539,12 +660,115 @@ sub _copy_skel {
 
 }
 
+=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).
+
+=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 $seconds  = $opt->{'seconds'};
+  my $svcs     = $opt->{'svcs'} || [];
+
+  my %svc_options = ();
+  $svc_options{'depend_jobnum'} = $opt->{'depend_jobnum'}
+    if exists($opt->{'depend_jobnum'}) && $opt->{'depend_jobnum'};
+
+  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;
+  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 ( $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";
+    }
+  }
+
+  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
+  ''; #no error
+
+}
+
 =item order_pkgs HASHREF, [ SECONDSREF, [ , 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
@@ -577,9 +801,7 @@ sub order_pkgs {
   my $cust_pkgs = shift;
   my $seconds = shift;
   my %options = @_;
-  my %svc_options = ();
-  $svc_options{'depend_jobnum'} = $options{'depend_jobnum'}
-    if exists $options{'depend_jobnum'};
+
   warn "$me order_pkgs called with options ".
        join(', ', map { "$_: $options{$_}" } keys %options ). "\n"
     if $DEBUG;
@@ -598,32 +820,17 @@ 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'       => $seconds,
+                                  'depend_jobnum' => $options{'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;
@@ -1053,7 +1260,7 @@ sub delete {
 
 }
 
-=item replace OLD_RECORD [ INVOICING_LIST_ARYREF ]
+=item replace [ OLD_RECORD ] [ INVOICING_LIST_ARYREF ]
 
 Replaces the OLD_RECORD with this one in the database.  If there is an error,
 returns the error, otherwise returns false.
@@ -1069,23 +1276,16 @@ check_invoicing_list first.  Here's an example:
 
 sub replace {
   my $self = shift;
-  my $old = shift;
+
+  my $old = ( blessed($_[0]) && $_[0]->isa('FS::Record') )
+              ? shift
+              : $self->replace_old;
+
   my @param = @_;
+
   warn "$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 $SIG{PIPE} = 'IGNORE';
-
-  # We absolutely have to have an old vs. new record to make this work.
-  if (!defined($old)) {
-    $old = qsearchs( 'cust_main', { 'custnum' => $self->custnum } );
-  }
-
   my $curuser = $FS::CurrentUser::CurrentUser;
   if (    $self->payby eq 'COMP'
        && $self->payby ne $old->payby
@@ -1100,6 +1300,13 @@ sub replace {
     && $self->payby =~ /^(CARD|DCRD)$/
     && ( $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;
   my $dbh = dbh;
@@ -1208,6 +1415,7 @@ 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')
@@ -1224,7 +1432,9 @@ sub check {
     || $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: /;
@@ -1290,58 +1500,60 @@ sub check {
   
   }
 
-  my @addfields = qw(
-    last first company address1 address2 city county state zip
-    country daytime night fax
-  );
+  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;
 
-  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;
+    #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
 
-      #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;
+    $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');
 
-    } 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 );
-    }
   }
 
   #$self->payby =~ /^(CARD|DCRD|CHEK|DCHK|LECB|BILL|COMP|PREPAY|CASH|WEST|MCRD)$/
@@ -1529,7 +1741,7 @@ sub check {
     $self->payname($1);
   }
 
-  foreach my $flag (qw( tax spool_cdr )) {
+  foreach my $flag (qw( tax spool_cdr squelch_cdr )) {
     $self->$flag() =~ /^(Y?)$/ or return "Illegal $flag: ". $self->$flag();
     $self->$flag($1);
   }
@@ -1542,6 +1754,30 @@ sub check {
   $self->SUPER::check;
 }
 
+=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
 
 Returns all packages (see L<FS::cust_pkg>) for this customer.
@@ -1573,6 +1809,17 @@ 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
 
 Returns all non-cancelled packages (see L<FS::cust_pkg>) for this customer.
@@ -1681,7 +1928,8 @@ sub num_ncancelled_pkgs {
 }
 
 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 = ? $sql"
@@ -1923,11 +2171,18 @@ sub bill_and_collect {
   # cancel packages
   ###
 
-  #$^T not $options{time} because freeside-daily -d is for pre-printing invoices
-  foreach my $cust_pkg (
-    grep { $_->expire && $_->expire <= $^T } $self->ncancelled_pkgs
-  ) {
-    my $error = $cust_pkg->cancel;
+  #$options{actual_time} not $options{time} because freeside-daily -d is for
+  #pre-printing invoices
+  my @cancel_pkgs = grep { $_->expire && $_->expire <= $options{actual_time} }
+                         $self->ncancelled_pkgs;
+
+  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;
@@ -1937,16 +2192,30 @@ sub bill_and_collect {
   # suspend packages
   ###
 
-  #$^T not $options{time} because freeside-daily -d is for pre-printing invoices
-  foreach my $cust_pkg (
-    grep { (    $_->part_pkg->is_prepaid && $_->bill && $_->bill < $^T
-             || $_->adjourn && $_->adjourn <= $^T
-           )
-           && ! $_->susp
+  #$options{actual_time} not $options{time} because freeside-daily -d is for
+  #pre-printing invoices
+  my @susp_pkgs = 
+    grep { ! $_->susp
+           && (    (    $_->part_pkg->is_prepaid
+                     && $_->bill
+                     && $_->bill < $options{actual_time}
+                   )
+                || (    $_->adjourn
+                    && $_->adjourn <= $options{actual_time}
+                  )
+              )
          }
-         $self->ncancelled_pkgs
-  ) {
-    my $error = $cust_pkg->suspend;
+         $self->ncancelled_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;
@@ -2010,8 +2279,7 @@ 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';
@@ -2027,34 +2295,19 @@ 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'   => ( $options{'invoice_time'} || $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 } )
-  ) {
+  my @cust_pkgs = qsearch('cust_pkg', { 'custnum' => $self->custnum } );
+  foreach my $cust_pkg (@cust_pkgs) {
 
     #NO!! next if $cust_pkg->cancel;  
     next if $cust_pkg->getfield('cancel');  
@@ -2065,352 +2318,236 @@ 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 &&
-         (
-           ( $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;
-
-      $setup = eval { $cust_pkg->calc_setup( $time, \@details ) };
-      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
-    ### 
+    foreach my $part_pkg ( $cust_pkg->part_pkg->self_and_bill_linked ) {
 
-    my $recur = 0;
-    my $sdate;
-    if ( $part_pkg->getfield('freq') ne '0' &&
-         ! $cust_pkg->getfield('susp') &&
-         ( $cust_pkg->getfield('bill') || 0 ) <= $time
-    ) {
+      $cust_pkg->set($_, $hash{$_}) foreach qw ( setup last_bill bill );
 
-      # XXX should this be a package event?  probably.  events are called
-      # at collection time at the moment, though...
-      if ( $part_pkg->can('reset_usage') ) {
-        warn "    resetting usage counters" if $DEBUG > 1;
-        $part_pkg->reset_usage($cust_pkg);
+      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 $error;
       }
 
-      warn "    bill recur\n" if $DEBUG > 1;
+    } #foreach my $part_pkg
 
-      # XXX shared with $recur_prog
-      $sdate = $cust_pkg->bill || $cust_pkg->setup || $time;
+  } #foreach my $cust_pkg
 
-      #over two params!  lets at least switch to a hashref for the rest...
-      my %param = ( 'precommit_hooks' => \@precommit_hooks, );
+  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 '';
+  }
 
-      $recur = eval { $cust_pkg->calc_recur( \$sdate, \@details, \%param ) };
-      if ( $@ ) {
+  my $postal_pkg = $self->charge_postal_fee();
+  if ( $postal_pkg && !ref( $postal_pkg ) ) {
+    $dbh->rollback if $oldAutoCommit;
+    return "can't charge postal invoice fee for customer ".
+      $self->custnum. ": $postal_pkg";
+  }
+  if ( $postal_pkg &&
+       ( scalar( grep { $_->recur && $_->recur > 0 } @cust_bill_pkg) ||
+         !$conf->exists('postal_invoice-recurring_only')
+       )
+     )
+  {
+    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 $oldAutoCommit;
-        return "$@ running calc_recur for $cust_pkg\n";
+        return $error;
       }
+    }
+  }
 
-      #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];
-
-      #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 {
-        $dbh->rollback if $oldAutoCommit;
-        return "unparsable frequency: ". $part_pkg->freq;
-      }
-      $cust_pkg->setfield('bill',
-        timelocal_nocheck($sec,$min,$hour,$mday,$mon,$year));
+  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 = ();
+
+  foreach my $tax ( keys %taxlisthash ) {
+    my $tax_object = shift @{ $taxlisthash{$tax} };
+    warn "found ". $tax_object->taxname. " as $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 ),
+        };
     }
 
-    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
-    ###
+  #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'; # shouldn't happen
 
-    if ( $cust_pkg->modified ) {  # hmmm.. and if the options are modified?
+      push @{ $packagemap{$_->pkgnum}->_cust_tax_exempt_pkg }, 
+        splice( @{ $_->_cust_tax_exempt_pkg } );
+    }
+  }
 
-      warn "  package ". $cust_pkg->pkgnum. " modified; updating\n"
-        if $DEBUG >1;
+  #some taxes are taxed
+  my %totlisthash;
+  
+  warn "finding taxed taxes...\n" if $DEBUG > 2;
+  foreach my $tax ( keys %taxlisthash ) {
+    my $tax_object = shift @{ $taxlisthash{$tax} };
+    warn "found possible taxed tax ". $tax_object->taxname. " we call $tax\n"
+      if $DEBUG > 2;
+    next unless $tax_object->can('tax_on_tax');
 
-      $error=$cust_pkg->replace($old_cust_pkg,
-                                options => { $cust_pkg->options },
-                               );
-      if ( $error ) { #just in case
-        $dbh->rollback if $oldAutoCommit;
-        return "Error modifying pkgnum ". $cust_pkg->pkgnum. ": $error";
-      }
+    foreach my $tot ( $tax_object->tax_on_tax( $self ) ) {
+      my $totname = ref( $tot ). ' '. $tot->taxnum;
 
-      $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;
+      warn "checking $totname which we call ". $tot->taxname. " as applicable\n"
+        if $DEBUG > 2;
+      next unless exists( $taxlisthash{ $totname } ); # only increase
+                                                      # existing taxes
+      warn "adding $totname to taxed taxes\n" if $DEBUG > 2;
+      if ( exists( $totlisthash{ $totname } ) ) {
+        push @{ $totlisthash{ $totname  } }, $tax{ $tax };
+      }else{
+        $totlisthash{ $totname } = [ $tot, $tax{ $tax } ];
       }
+    }
+  }
 
-      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 $oldAutoCommit;
-          return "can't create invoice line item for invoice #$invnum: $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 )
-
-        } #unless $self->tax =~ /Y/i || $self->payby eq 'COMP'
-
-      } #if $setup != 0 || $recur != 0
-      
-    } #if $cust_pkg->modified
-
-  } #foreach my $cust_pkg
-
-  unless ( $cust_bill->cust_bill_pkg ) {
-    $cust_bill->delete; #don't create an invoice w/o line items
-
-   # XXX this seems to be broken
-   #( DBD::Pg::st execute failed: ERROR:  syntax error at or near "hcb" )
-#   # get rid of our fake history too, waste of unecessary space
-#    my $h_cleanup_query = q{
-#      DELETE FROM h_cust_bill hcb
-#       WHERE hcb.invnum = ?
-#      AND NOT EXISTS ( SELECT 1 FROM cust_bill cb where cb.invnum = hcb.invnum )
-#    };
-#    my $h_sth = $dbh->prepare($h_cleanup_query);
-#    $h_sth->execute($invnum);
+  warn "having a look at taxed taxes...\n" if $DEBUG > 2;
+  foreach my $tax ( keys %totlisthash ) {
+    my $tax_object = shift @{ $totlisthash{$tax} };
+    warn "found previously found taxed tax ". $tax_object->taxname. "\n"
+      if $DEBUG > 2;
+    my $listref_or_error =
+      $tax_object->taxline( $totlisthash{$tax},
+                            'custnum'      => $self->custnum,
+                            'invoice_time' => $invoice_time
+                          );
+    unless (ref($listref_or_error)) {
+      $dbh->rollback if $oldAutoCommit;
+      return $listref_or_error;
+    }
 
-    $dbh->commit or die $dbh->errstr if $oldAutoCommit;
-    return '';
+    warn "adding taxed tax amount ". $listref_or_error->[1].
+         " as ". $tax_object->taxname. "\n"
+      if $DEBUG;
+    $tax{ $tax } += $listref_or_error->[1];
   }
+  
+  #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 = ();
+    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 } };
+    }
+    next unless $tax;
 
-  my $charged = sprintf( "%.2f", $total_setup + $total_recur );
-
-  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->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 {
@@ -2426,6 +2563,378 @@ sub bill {
   ''; #no error
 }
 
+
+sub _make_lines {
+  my ($self, %params) = @_;
+
+  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}};  #hmmm  only for 'resetup'
+
+  my $dbh = dbh;
+  my $real_pkgpart = $cust_pkg->pkgpart;
+  my %hash = $cust_pkg->hash;
+  my $old_cust_pkg = new FS::cust_pkg \%hash;
+
+  my @details = ();
+
+  my $lineitems = 0;
+
+  $cust_pkg->pkgpart($part_pkg->pkgpart);
+
+  ###
+  # bill setup
+  ###
+
+  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++;
+
+    $setup = eval { $cust_pkg->calc_setup( $time, \@details ) };
+    return "$@ running calc_setup for $cust_pkg\n"
+      if $@;
+
+    $unitsetup = $cust_pkg->part_pkg->unit_setup || $setup; #XXX uuh
+
+    $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;
+
+  }
+
+  ###
+  # 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);
+      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 %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 );
+      }
+
+      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};
+
+    foreach my $tax ( @taxes ) {
+
+      my $taxname = ref( $tax ). ' taxnum'. $tax->taxnum;
+#      $taxname .= ' pkgnum'. $cust_pkg->pkgnum.
+#                  ' locationnum'. $cust_pkg->locationnum
+#        if $conf->exists('tax-pkg_address') && $cust_pkg->locationnum;
+
+      if ( exists( $taxlisthash->{ $taxname } ) ) {
+        push @{ $taxlisthash->{ $taxname  } }, $tax_cust_bill_pkg;
+      }else{
+        $taxlisthash->{ $taxname } = [ $tax, $tax_cust_bill_pkg ];
+      }
+    }
+  }
+
+  '';
+}
+
+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
@@ -2593,6 +3102,11 @@ Only return events for the specified eventtable (by default, events of all event
 
 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
@@ -2623,7 +3137,8 @@ sub due_cust_event {
   local $FS::UID::AutoCommit = 0;
   my $dbh = dbh;
 
-  $self->select_for_update; #mutex
+  $self->select_for_update #mutex
+    unless $opt{testonly};
 
   ###
   # 1: find possible events (initial search)
@@ -2738,14 +3253,16 @@ sub due_cust_event {
   # 3: insert
   ##
 
-  foreach my $cust_event ( @cust_event ) {
+  unless( $opt{testonly} ) {
+    foreach my $cust_event ( @cust_event ) {
 
-    my $error = $cust_event->insert();
-    if ( $error ) {
-      $dbh->rollback if $oldAutoCommit;
-      return $error;
-    }
+      my $error = $cust_event->insert();
+      if ( $error ) {
+        $dbh->rollback if $oldAutoCommit;
+        return $error;
+      }
                                        
+    }
   }
 
   $dbh->commit or die $dbh->errstr if $oldAutoCommit;
@@ -2819,7 +3336,7 @@ sub retry_realtime {
 
   my @cust_event = qsearchs({
     'table'     => 'cust_event',
-    'select'	=> '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 != '' ".
@@ -2851,6 +3368,10 @@ sub retry_realtime {
 
 }
 
+# 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
@@ -2859,7 +3380,7 @@ 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>
+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,
@@ -2874,12 +3395,22 @@ 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, $method, $amount, %options ) = @_;
+  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;
@@ -2887,6 +3418,8 @@ sub realtime_bop {
 
   $options{'description'} ||= 'Internet services';
 
+  return $self->fake_bop($method, $amount, %options) if $options{'fake'};
+
   eval "use Business::OnlinePayment";  
   die $@ if $@;
 
@@ -3020,6 +3553,10 @@ sub realtime_bop {
   $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' ) { 
 
@@ -3033,7 +3570,7 @@ 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'})
@@ -3092,6 +3629,49 @@ sub realtime_bop {
   # 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,
+    '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( $processor, @bop_options );
@@ -3120,14 +3700,38 @@ sub realtime_bop {
     'country'        => ( exists($options{'country'})
                             ? $options{'country'}
                             : $self->country          ),
-    'referer'        => 'http://cleanwhisker.420.am/',
+    'referer'        => 'http://cleanwhisker.420.am/', #XXX fix referer :/
     'email'          => $email,
     'phone'          => $self->daytime || $self->night,
     %content, #after
   );
-  $transaction->submit();
+
+  $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
@@ -3169,6 +3773,10 @@ sub realtime_bop {
 
   }
 
+  $cust_pay_pending->status($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
   ###
@@ -3191,12 +3799,6 @@ sub realtime_bop {
 
   if ( $transaction->is_success() ) {
 
-    my %method2payby = (
-      'CC'     => 'CARD',
-      'ECHECK' => 'CHEK',
-      'LEC'    => 'LECB',
-    );
-
     my $paybatch = '';
     if ( $payment_gateway ) { # agent override
       $paybatch = $payment_gateway->gatewaynum. '-';
@@ -3212,13 +3814,21 @@ sub realtime_bop {
        'custnum'  => $self->custnum,
        'invnum'   => $options{'invnum'},
        'paid'     => $amount,
-       '_date'     => '',
+       '_date'    => '',
        'payby'    => $method2payby{$method},
        'payinfo'  => $payinfo,
        'paybatch' => $paybatch,
        'paydate'  => $paydate,
     } );
-    $cust_pay->payunique( $options{payunique} ) if length($options{payunique});
+    #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 ) : () );
 
@@ -3228,16 +3838,42 @@ sub realtime_bop {
                                       ( 'manual' => 1 ) : ()
                                     );
       if ( $error2 ) {
-        # gah, even with transactions.
-        my $e = 'WARNING: Card/ACH debited but database not updated - '.
+        # 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 )";
+                ": $error ) - pending payment saved as paypendingnum ".
+                $cust_pay_pending->paypendingnum. "\n";
         warn $e;
         return $e;
       }
     }
-    return ''; #no error
+
+    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 {
 
@@ -3288,7 +3924,7 @@ sub realtime_bop {
       my $templ_hash = { error => $transaction->error_message };
 
       my $error = send_email(
-        'from'    => $conf->config('invoice_from'),
+        '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) ],
@@ -3298,64 +3934,32 @@ sub realtime_bop {
         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;
   }
 
 }
 
-=item default_payment_gateway
+=item realtime_refund_bop METHOD [ OPTION => VALUE ... ]
 
-=cut
+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.
 
-sub default_payment_gateway {
-  my( $self, $method ) = @_;
+Available methods are: I<CC>, I<ECHECK> and I<LEC>
 
-  die "Real-time processing not enabled\n"
-    unless $conf->exists('business-onlinepayment');
-
-  #load up config
-  my $bop_config = 'business-onlinepayment';
-  $bop_config .= '-ach'
-    if $method eq 'ECHECK' && $conf->exists($bop_config. '-ach');
-  my ( $processor, $login, $password, $action, @bop_options ) =
-    $conf->config($bop_config);
-  $action ||= 'normal authorization';
-  pop @bop_options if scalar(@bop_options) % 2 && $bop_options[-1] =~ /^\s*$/;
-  die "No real-time processor is enabled - ".
-      "did you set the business-onlinepayment configuration value?\n"
-    unless $processor;
-
-  ( $processor, $login, $password, $action, @bop_options )
-}
-
-=item remove_cvv
-
-Removes the I<paycvv> field from the database directly.
-
-If there is an error, returns the error, otherwise returns false.
-
-=cut
-
-sub remove_cvv {
-  my $self = shift;
-  my $sth = dbh->prepare("UPDATE cust_main SET paycvv = '' WHERE custnum = ?")
-    or return dbh->errstr;
-  $sth->execute($self->custnum)
-    or return $sth->errstr;
-  $self->paycvv('');
-  '';
-}
-
-=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>
+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>.
@@ -3386,7 +3990,12 @@ 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 ) = @_;
+  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;
@@ -3489,7 +4098,7 @@ sub realtime_refund_bop {
     '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
@@ -3665,235 +4274,1485 @@ sub realtime_refund_bop {
 
 }
 
-=item batch_card OPTION => VALUE...
+# does the configuration indicate the new bop routines are required?
 
-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.
+sub _new_bop_required {
+  my $self = shift;
 
-=cut
+  my $botpp = 'Business::OnlineThirdPartyPayment';
 
-sub batch_card {
-  my ($self, %options) = @_;
+  return 1
+    if ( $conf->config('business-onlinepayment-namespace') eq $botpp ||
+         scalar( grep { $_->gateway_namespace eq $botpp } 
+                 qsearch( 'payment_gateway', { 'disabled' => '' } )
+               )
+       )
+  ;
 
-  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,
-                              );
-  }
+=item realtime_collect [ OPTION => VALUE ... ]
 
-  my $oldAutoCommit = $FS::UID::AutoCommit;
-  local $FS::UID::AutoCommit = 0;
-  my $dbh = dbh;
+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.
 
-  $dbh->do("LOCK TABLE pay_batch IN SHARE ROW EXCLUSIVE MODE")
-    or return "Cannot lock pay_batch: " . $dbh->errstr;
+On failure returns an error message.
 
-  my %pay_batch = (
-    'status' => 'O',
-    'payby'  => FS::payby->payby2payment($payby),
-  );
+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.
 
-  my $pay_batch = qsearchs( 'pay_batch', \%pay_batch );
+Available options are: I<method>, I<amount>, I<description>, I<invnum>, I<quiet>, I<paynum_ref>, I<payunique>, I<session_id>
 
-  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";
-    }
-  }
+I<method> is one of: I<CC>, I<ECHECK> and I<LEC>.  If none is specified
+then it is deduced from the customer record.
 
-  my $old_cust_pay_batch = qsearchs('cust_pay_batch', {
-      'batchnum' => $pay_batch->batchnum,
-      'custnum'  => $self->custnum,
-  } );
+If no I<amount> is specified, then the customer balance is used.
 
-  foreach (qw( address1 address2 city state zip country payby payinfo paydate
-               payname )) {
-    $options{$_} = '' unless exists($options{$_});
-  }
+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.
 
-  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;
+I<description> is a free-text field passed to the gateway.  It defaults to
+"Internet services".
 
-  my $error;
-  if ($old_cust_pay_batch) {
-    $error = $cust_pay_batch->replace($old_cust_pay_batch)
-  } else {
-    $error = $cust_pay_batch->insert;
-  }
+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.
 
-  if ( $error ) {
-    $dbh->rollback if $oldAutoCommit;
-    die $error;
-  }
+I<quiet> can be set true to surpress email decline notices.
 
-  my $unapplied = $self->total_credited + $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;
-    }
-  }
+I<paynum_ref> can be set to a scalar reference.  It will be filled in with the
+resulting paynum, if any.
 
-  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
-  '';
-}
+I<payunique> is a unique identifier for this payment.
 
-=item total_owed
+I<session_id> is a session identifier associated with this payment.
 
-Returns the total owed for this customer on all invoices
-(see L<FS::cust_bill/owed>).
+I<depend_jobnum> allows payment capture to unlock export jobs
 
 =cut
 
-sub total_owed {
-  my $self = shift;
-  $self->total_owed_date(2145859200); #12/31/2037
-}
+sub realtime_collect {
+  my( $self, %options ) = @_;
 
-=item total_owed_date TIME
+  if ( $DEBUG ) {
+    warn "$me realtime_collect:\n";
+    warn "  $_ => $options{$_}\n" foreach keys %options;
+  }
 
-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.
+  $options{amount} = $self->balance unless exists( $options{amount} );
+  $options{method} = FS::payby->payby2bop($self->payby)
+    unless exists( $options{method} );
 
-=cut
+  return $self->realtime_bop({%options});
 
-sub total_owed_date {
-  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;
-  }
-  sprintf( "%.2f", $total_bill );
 }
 
-=item apply_payments_and_credits
-
-Applies unapplied payments and credits.
+=item _realtime_bop { [ ARG => VALUE ... ] }
 
-In most cases, this new method should be used in place of sequential
-apply_payments and apply_credits methods.
+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.
 
-If there is an error, returns the error, otherwise returns false.
+Required arguments in the hashref are I<method>, and I<amount>
 
-=cut
+Available methods are: I<CC>, I<ECHECK> and I<LEC>
 
-sub apply_payments_and_credits {
-  my $self = shift;
+Available optional arguments are: I<description>, I<invnum>, I<quiet>, I<paynum_ref>, I<payunique>, I<session_id>
 
-  local $SIG{HUP} = 'IGNORE';
-  local $SIG{INT} = 'IGNORE';
-  local $SIG{QUIT} = 'IGNORE';
-  local $SIG{TERM} = 'IGNORE';
-  local $SIG{TSTP} = 'IGNORE';
-  local $SIG{PIPE} = 'IGNORE';
+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.
 
-  my $oldAutoCommit = $FS::UID::AutoCommit;
-  local $FS::UID::AutoCommit = 0;
-  my $dbh = dbh;
+I<description> is a free-text field passed to the gateway.  It defaults to
+"Internet services".
 
-  $self->select_for_update; #mutex
+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.
 
-  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";
-    }
-  }
+I<quiet> can be set true to surpress email decline notices.
 
-  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
-  ''; #no error
+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.
 
-=item apply_credits OPTION => VALUE ...
+I<session_id> is a session identifier associated with this payment.
 
-Applies (see L<FS::cust_credit_bill>) unapplied credits (see L<FS::cust_credit>)
-to outstanding invoice balances in chronological order (or reverse
-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>).
+I<depend_jobnum> allows payment capture to unlock export jobs
 
-Dies if there is an error.
+(moved from cust_bill) (probably should get realtime_{card,ach,lec} here too)
 
 =cut
 
-sub apply_credits {
-  my $self = shift;
-  my %opt = @_;
+# some helper routines
+sub _payment_gateway {
+  my ($self, $options) = @_;
 
-  local $SIG{HUP} = 'IGNORE';
-  local $SIG{INT} = 'IGNORE';
-  local $SIG{QUIT} = 'IGNORE';
-  local $SIG{TERM} = 'IGNORE';
-  local $SIG{TSTP} = 'IGNORE';
-  local $SIG{PIPE} = 'IGNORE';
+  $options->{payment_gateway} = $self->agent->payment_gateway( %$options )
+    unless exists($options->{payment_gateway});
 
-  my $oldAutoCommit = $FS::UID::AutoCommit;
-  local $FS::UID::AutoCommit = 0;
-  my $dbh = dbh;
+  $options->{payment_gateway};
+}
 
-  $self->select_for_update; #mutex
+sub _bop_auth {
+  my ($self, $options) = @_;
 
-  unless ( $self->total_credited ) {
+  (
+    '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);
+
+  ###
+  # 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 (%bop_content) = $self->_bop_content(\%options);
+
+  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 = $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 $paydate = '';
+  my %content = ();
+  if ( $namespace eq 'Business::OnlinePayment' && $options{method} eq 'CC' ) {
+
+    $content{card_number} = $options{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;
+
+    $content{recurring_billing} = 'YES'
+      if qsearch('cust_pay', { 'custnum' => $self->custnum,
+                               'payby'   => 'CARD',
+                               'payinfo' => $options{payinfo},
+                             } )
+      || qsearch('cust_pay', { 'custnum' => $self->custnum,
+                               'payby'   => 'CARD',
+                               'paymask' => $self->mask_payinfo('CARD', $options{payinfo}),
+                             } );
+
+
+  } elsif ( $namespace eq 'Business::OnlinePayment' && $options{method} eq 'ECHECK' ){
+    ( $content{account_number}, $content{routing_code} ) =
+      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 ( $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 $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,
+    '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),
+                                  );
+
+  $transaction->content(
+    'type'           => $options{method},
+    $self->_bop_auth(\%options),          
+    'action'         => $action1,
+    'description'    => $options{'description'},
+    'amount'         => $options{amount},
+    #'invoice_number' => $options{'invnum'},
+    'customer_id'    => $self->custnum,
+    %bop_content,
+    'reference'      => $cust_pay_pending->paypendingnum, #for now
+    'email'          => $email,
+    %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() && $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( $payment_gateway->gateway_module,
+                                   $self->_bop_options(\%options),
+                                 );
+
+    my %capture = (
+      %content,
+      type           => $options{method},
+      action         => $action2,
+      $self->_bop_auth(\%options),          
+      order_number   => $ordernum,
+      amount         => $options{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;
+    }
+
+  }
+
+  ###
+  # 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 { $_ eq cardtype($options{payinfo}) } $conf->config('cvv-save')
+  ) {
+    my $error = $self->remove_cvv;
+    if ( $error ) {
+      warn "WARNING: error removing cvv: $error\n";
+    }
+  }
+
+  ###
+  # result handling
+  ###
+
+  $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
+
+}
+
+
+# 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->gatewaynum ) { # agent override
+      $paybatch = $payment_gateway->gatewaynum. '-';
+    }
+
+    $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
+
+  ###
+  # massage data
+  ###
+
+  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 = ();
+
+  $content{email_customer} = 
+    (    $conf->exists('business-onlinepayment-email_customer')
+      || $conf->exists('business-onlinepayment-email-override') );
+      
+  ###
+  # run transaction(s)
+  ###
+
+  my $transaction =
+    new Business::OnlineThirdPartyPayment( $payment_gateway->gateway_module,
+                                           $self->_bop_options(\%options),
+                                         );
+
+  $transaction->reference({ %options }); 
+
+  $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
+  );
+
+  $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 DEPRECATED -- use agent->payment_gateway
+
+=cut
+
+sub default_payment_gateway {
+  my( $self, $method ) = @_;
+
+  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 $method =~ /^(ECHECK|CHEK)$/ && $conf->exists($bop_config. '-ach');
+  my ( $processor, $login, $password, $action, @bop_options ) =
+    $conf->config($bop_config);
+  $action ||= 'normal authorization';
+  pop @bop_options if scalar(@bop_options) % 2 && $bop_options[-1] =~ /^\s*$/;
+  die "No real-time processor is enabled - ".
+      "did you set the business-onlinepayment configuration value?\n"
+    unless $processor;
+
+  ( $processor, $login, $password, $action, @bop_options )
+}
+
+=item remove_cvv
+
+Removes the I<paycvv> field from the database directly.
+
+If there is an error, returns the error, otherwise returns false.
+
+=cut
+
+sub remove_cvv {
+  my $self = shift;
+  my $sth = dbh->prepare("UPDATE cust_main SET paycvv = '' WHERE custnum = ?")
+    or return dbh->errstr;
+  $sth->execute($self->custnum)
+    or return $sth->errstr;
+  $self->paycvv('');
+  '';
+}
+
+=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
+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 _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 (new): $options{method} refund\n";
+    warn "  $_ => $options{$_}\n" foreach keys %options;
+  }
+
+  ###
+  # 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, $namespace ) ;
+  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;
+      $namespace   = $payment_gateway->gateway_namespace;
+      @bop_options = $payment_gateway->options;
+
+    } else { #try the default gateway
+
+      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"
+        unless $processor eq $conf_processor;
+
+    }
+
+
+  } else { # didn't specify a paynum, so look for agent gateway overrides
+           # like a normal transaction 
+ 
+    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'           => $options{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 && $options{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 ( $options{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 ( $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 ( $options{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 $paybatch = "$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'    => $bop_method2payby{$options{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 $e;
+    }
+  }
+
+  ''; #no error
+
+}
+
+=item batch_card OPTION => VALUE...
+
+Adds a payment for this invoice to the pending credit card batch (see
+L<FS::cust_pay_batch>), or, if the B<realtime> option is set to a true value,
+runs the payment using a realtime gateway.
+
+=cut
+
+sub batch_card {
+  my ($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 apply_payments_and_credits
+
+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 apply_payments_and_credits {
+  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
+
+  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";
+    }
+  }
+
+  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
+  ''; #no error
+
+}
+
+=item apply_credits OPTION => VALUE ...
+
+Applies (see L<FS::cust_credit_bill>) unapplied credits (see L<FS::cust_credit>)
+to outstanding invoice balances in chronological order (or reverse
+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 = @_;
+
+  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
+
+  unless ( $self->total_unapplied_credits ) {
     $dbh->commit or die $dbh->errstr if $oldAutoCommit;
     return 0;
   }
@@ -3934,11 +5793,11 @@ sub apply_credits {
 
   }
 
-  my $total_credited = $self->total_credited;
+  my $total_unapplied_credits = $self->total_unapplied_credits;
 
   $dbh->commit or die $dbh->errstr if $oldAutoCommit;
 
-  return $total_credited;
+  return $total_unapplied_credits;
 }
 
 =item apply_payments
@@ -3970,11 +5829,13 @@ sub apply_payments {
 
   #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;
 
@@ -4013,21 +5874,72 @@ sub apply_payments {
   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 $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 );
 }
 
@@ -4041,11 +5953,7 @@ 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 );
 }
 
@@ -4059,18 +5967,14 @@ customer.  See L<FS::cust_refund/unapplied>.
 sub total_unapplied_refunds {
   my $self = shift;
   my $total_unapplied = 0;
-  foreach my $cust_refund ( qsearch('cust_refund', {
-    'custnum' => $self->custnum,
-  } ) ) {
-    $total_unapplied += $cust_refund->unapplied;
-  }
+  $total_unapplied += $_->unapplied foreach $self->cust_refund;
   sprintf( "%.2f", $total_unapplied );
 }
 
 =item balance
 
 Returns the balance for this customer (total_owed plus total_unrefunded, minus
-total_credited minus total_unapplied_payments).
+total_unapplied_credits minus total_unapplied_payments).
 
 =cut
 
@@ -4079,7 +5983,7 @@ sub balance {
   sprintf( "%.2f",
       $self->total_owed
     + $self->total_unapplied_refunds
-    - $self->total_credited
+    - $self->total_unapplied_credits
     - $self->total_unapplied_payments
   );
 }
@@ -4100,7 +6004,7 @@ sub balance_date {
   sprintf( "%.2f",
         $self->total_owed_date($time)
       + $self->total_unapplied_refunds
-      - $self->total_credited
+      - $self->total_unapplied_credits
       - $self->total_unapplied_payments
   );
 }
@@ -4388,21 +6292,47 @@ 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 ] ] ]
@@ -4414,18 +6344,27 @@ the error, otherwise returns false.
 
 sub charge {
   my $self = shift;
-  my ( $amount, $pkg, $comment, $taxclass, $additional );
+  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 = [];
   }
@@ -4442,12 +6381,15 @@ sub charge {
   my $dbh = dbh;
 
   my $part_pkg = new FS::part_pkg ( {
-    'pkg'      => $pkg,
-    'comment'  => $comment,
-    'plan'     => 'flat',
-    '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 %options = ( ( map { ("additional_info$_" => $additional->[$_] ) }
@@ -4457,7 +6399,9 @@ sub charge {
                   'setup_fee' => $amount,
                 );
 
-  my $error = $part_pkg->insert( options => \%options );
+  my $error = $part_pkg->insert( options       => \%options,
+                                 tax_overrides => $override,
+                               );
   if ( $error ) {
     $dbh->rollback if $oldAutoCommit;
     return $error;
@@ -4475,8 +6419,9 @@ 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;
@@ -4490,6 +6435,33 @@ 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.
@@ -4562,6 +6534,41 @@ sub cust_pay_batch {
     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
 
 Returns all the refunds (see L<FS::cust_refund>) for this customer.
@@ -4574,6 +6581,22 @@ sub cust_refund {
     qsearch( 'cust_refund', { 'custnum' => $self->custnum } )
 }
 
+=item display_custnum
+
+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 display_custnum {
+  my $self = shift;
+  if ( $conf->exists('cust_main-default_agent_custid') && $self->agent_custid ){
+    return $self->agent_custid;
+  } else {
+    return $self->custnum;
+  }
+}
+
 =item name
 
 Returns a name string for this customer, either "Company (Last, First)" or
@@ -4606,28 +6629,81 @@ sub ship_name {
   }
 }
 
+=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 {
+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 customers full (billing) contact name only, "First Last".
+
+=cut
+
+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
@@ -4641,6 +6717,43 @@ 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
@@ -4699,7 +6812,7 @@ Returns a hex triplet color string for this customer's status.
 =cut
 
 use vars qw(%statuscolor);
-tie my %statuscolor, 'Tie::IxHash',
+tie %statuscolor, 'Tie::IxHash',
   'prospect'  => '7e0079', #'000000', #black?  naw, purple
   'active'    => '00CC00', #green
   'inactive'  => '0000CC', #blue
@@ -4726,22 +6839,24 @@ sub tickets {
   my $num = $conf->config('cust_main-max_tickets') || 10;
   my @tickets = ();
 
-  unless ( $conf->config('ticket_system-custom_priority_field') ) {
+  if ( $conf->config('ticket_system') ) {
+    unless ( $conf->config('ticket_system-custom_priority_field') ) {
 
-    @tickets = @{ FS::TicketSystem->customer_tickets($self->custnum, $num) };
+      @tickets = @{ FS::TicketSystem->customer_tickets($self->custnum, $num) };
 
-  } else {
+    } 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,
-                                             )
-         };
+      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);
@@ -4775,169 +6890,525 @@ Class method that returns the list of possible status strings for customers
 
 =cut
 
-sub statuses {
-  #my $self = shift; #could be class...
-  keys %statuscolor;
-}
+sub statuses {
+  #my $self = shift; #could be class...
+  keys %statuscolor;
+}
+
+=item prospect_sql
+
+Returns an SQL expression identifying prospective cust_main records (customers
+with no packages ever ordered)
+
+=cut
+
+use vars qw($select_count_pkgs);
+$select_count_pkgs =
+  "SELECT COUNT(*) FROM cust_pkg
+    WHERE cust_pkg.custnum = cust_main.custnum";
+
+sub select_count_pkgs_sql {
+  $select_count_pkgs;
+}
+
+sub prospect_sql { "
+  0 = ( $select_count_pkgs )
+"; }
+
+=item active_sql
+
+Returns an SQL expression identifying active cust_main records (customers with
+active recurring packages).
+
+=cut
+
+sub active_sql { "
+  0 < ( $select_count_pkgs AND ". FS::cust_pkg->active_sql. "
+      )
+"; }
+
+=item inactive_sql
+
+Returns an SQL expression identifying inactive cust_main records (customers with
+no active recurring packages, but otherwise unsuspended/uncancelled).
+
+=cut
+
+sub inactive_sql { "
+  0 = ( $select_count_pkgs AND ". FS::cust_pkg->active_sql. " )
+  AND
+  0 < ( $select_count_pkgs AND ". FS::cust_pkg->inactive_sql. " )
+"; }
+
+=item susp_sql
+=item suspended_sql
+
+Returns an SQL expression identifying suspended cust_main records.
+
+=cut
+
+
+sub suspended_sql { susp_sql(@_); }
+sub susp_sql { "
+    0 < ( $select_count_pkgs AND ". FS::cust_pkg->suspended_sql. " )
+    AND
+    0 = ( $select_count_pkgs AND ". FS::cust_pkg->active_sql. " )
+"; }
+
+=item cancel_sql
+=item cancelled_sql
+
+Returns an SQL expression identifying cancelled cust_main records.
+
+=cut
+
+sub cancelled_sql { cancel_sql(@_); }
+sub cancel_sql {
+
+  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";
 
-=item prospect_sql
+    }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.";
+    }
 
-Returns an SQL expression identifying prospective cust_main records (customers
-with no packages ever ordered)
+    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;
+                                        };!;
+    }
 
-=cut
+  }
 
-use vars qw($select_count_pkgs);
-$select_count_pkgs =
-  "SELECT COUNT(*) FROM cust_pkg
-    WHERE cust_pkg.custnum = cust_main.custnum";
+  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,
+  };
 
-sub select_count_pkgs_sql {
-  $select_count_pkgs;
 }
 
-sub prospect_sql { "
-  0 = ( $select_count_pkgs )
-"; }
+=item email_search_sql HASHREF
 
-=item active_sql
+(Class method)
 
-Returns an SQL expression identifying active cust_main records (customers with
-no active recurring packages, but otherwise unsuspended/uncancelled).
+Emails a notice to the specified customers.
 
-=cut
+Valid parameters are those of the L<search_sql> method, plus the following:
 
-sub active_sql { "
-  0 < ( $select_count_pkgs AND ". FS::cust_pkg->active_sql. "
-      )
-"; }
+=over 4
 
-=item inactive_sql
+=item from
 
-Returns an SQL expression identifying inactive cust_main records (customers with
-active recurring packages).
+From: address
 
-=cut
+=item subject
 
-sub inactive_sql { "
-  0 = ( $select_count_pkgs AND ". FS::cust_pkg->active_sql. " )
-  AND
-  0 < ( $select_count_pkgs AND ". FS::cust_pkg->inactive_sql. " )
-"; }
+Email Subject:
 
-=item susp_sql
-=item suspended_sql
+=item html_body
 
-Returns an SQL expression identifying suspended cust_main records.
+HTML body
 
-=cut
+=item text_body
 
+Text body
 
-sub suspended_sql { susp_sql(@_); }
-sub susp_sql { "
-    0 < ( $select_count_pkgs AND ". FS::cust_pkg->suspended_sql. " )
-    AND
-    0 = ( $select_count_pkgs AND ". FS::cust_pkg->active_sql. " )
-"; }
+=item job
 
-=item cancel_sql
-=item cancelled_sql
+Optional job queue job for status updates.
 
-Returns an SQL expression identifying cancelled cust_main records.
+=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 cancelled_sql { cancel_sql(@_); }
-sub cancel_sql {
+sub email_search_sql {
+  my($class, $params) = @_;
 
-  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 $from = delete $params->{from};
+  my $subject = delete $params->{subject};
+  my $html_body = delete $params->{html_body};
+  my $text_body = delete $params->{text_body};
 
-  "
-    0 < ( $select_count_pkgs )
-    AND 0 = ( $select_count_pkgs AND $recurring_sql
-                  AND ( cust_pkg.cancel IS NULL OR cust_pkg.cancel = 0 )
-            )
-  ";
-}
+  my $job = delete $params->{'job'};
 
-=item uncancel_sql
-=item uncancelled_sql
+  my $sql_query = $class->search_sql($params);
 
-Returns an SQL expression identifying un-cancelled cust_main records.
+  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];
 
-=cut
+  #my @extra_headers = @{ delete($sql_query->{'extra_headers'}) };
+  #my @extra_fields  = @{ delete($sql_query->{'extra_fields'})  };
 
-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
+  my( $num, $last, $min_sec ) = (0, time, 5); #progresbar foo
 
-Returns an SQL fragment to retreive the balance.
+  #eventually order+limit magic to reduce memory use?
+  foreach my $cust_main ( qsearch($sql_query) ) {
 
-=cut
+    my $to = $cust_main->invoicing_list_emailonly_scalar;
+    next unless $to;
 
-sub balance_sql { "
-    COALESCE( ( SELECT SUM(charged) FROM cust_bill
-                  WHERE cust_bill.custnum   = cust_main.custnum ), 0)
-  - COALESCE( ( SELECT SUM(paid)    FROM cust_pay
-                  WHERE cust_pay.custnum    = cust_main.custnum ), 0)
-  - COALESCE( ( SELECT SUM(amount)  FROM cust_credit
-                  WHERE cust_credit.custnum = cust_main.custnum ), 0)
-  + COALESCE( ( SELECT SUM(refund)  FROM cust_refund
-                   WHERE cust_refund.custnum = cust_main.custnum ), 0)
-"; }
+    my $error = send_email(
+      generate_email(
+        'from'      => $from,
+        'to'        => $to,
+        'subject'   => $subject,
+        'html_body' => $html_body,
+        'text_body' => $text_body,
+      )
+    );
+    return $error if $error;
 
-=item balance_date_sql TIME
+    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;
+      }
+    }
 
-Returns an SQL fragment to retreive the balance for this customer, only
-considering invoices with date earlier than TIME. (total_owed_date minus total_credited minus
-total_unapplied_payments).  TIME is specified as an SQL fragment or a numeric
-UNIX timestamp; see L<perlfunc/"time">).  Also see L<Time::Local> and
-L<Date::Parse> for conversion functions.
+  }
 
-=cut
+  return '';
+}
 
-sub balance_date_sql {
-  my( $class, $time ) = @_;
+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;
 
-  my $owed_sql         = FS::cust_bill->owed_sql;
-  my $unapp_refund_sql = FS::cust_refund->unapplied_sql;
-  #my $unapp_credit_sql = FS::cust_credit->unapplied_sql;
-  my $unapp_credit_sql = FS::cust_credit->credited_sql;
-  my $unapp_pay_sql    = FS::cust_pay->unapplied_sql;
+  my $param = thaw(decode_base64(shift));
+  warn Dumper($param) if $DEBUG;
 
-  "
-      COALESCE( ( SELECT SUM($owed_sql) FROM cust_bill
-                    WHERE cust_bill.custnum   = cust_main.custnum
-                      AND cust_bill._date    <= $time             )
-                ,0
-              )
-    + COALESCE( ( SELECT SUM($unapp_refund_sql) FROM cust_refund
-                    WHERE cust_refund.custnum = cust_main.custnum )
-                ,0
-              )
-    - COALESCE( ( SELECT SUM($unapp_credit_sql) FROM cust_credit
-                    WHERE cust_credit.custnum = cust_main.custnum )
-                ,0
-              )
-    - COALESCE( ( SELECT SUM($unapp_pay_sql) FROM cust_pay
-                    WHERE cust_pay.custnum = cust_main.custnum )
-                ,0
-              )
+  $param->{'job'} = $job;
 
-  ";
+  my $error = FS::cust_main->email_search_sql( $param );
+  die $error if $error;
 
 }
 
@@ -5069,11 +7540,30 @@ 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
     } );
 
@@ -5169,7 +7659,7 @@ sub smart_search {
     #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
 
@@ -5240,6 +7730,72 @@ 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
@@ -5341,202 +7897,6 @@ sub append_fuzzyfiles {
   1;
 }
 
-=item batch_import
-
-=cut
-
-sub batch_import {
-  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";
-  }
-
-  eval "use Text::CSV_XS;";
-  die $@ if $@;
-
-  my $csv = new Text::CSV_XS;
-  #warn $csv;
-  #warn $fh;
-
-  my $imported = 0;
-  #my $columns;
-
-  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;
-  
-  #while ( $columns = $csv->getline($fh) ) {
-  my $line;
-  while ( defined($line=<$fh>) ) {
-
-    $csv->parse($line) or do {
-      $dbh->rollback if $oldAutoCommit;
-      return "can't parse: ". $csv->error_input();
-    };
-
-    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 = ();
-    foreach my $field ( @fields ) {
-
-      if ( $field =~ /^cust_pkg\.(pkgpart|setup|bill|susp|adjourn|expire|cancel)$/ ) {
-
-        #$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 );
-        } 
-
-      } elsif ( $field =~ /^svc_acct\.(username|_password)$/ ) {
-
-        $svc_acct{$1} = shift @columns;
-        
-      } else {
-
-        #refnum interception
-        if ( $field eq 'refnum' && $columns[0] !~ /^\s*(\d+)\s*$/ ) {
-
-          my $referral = $columns[0];
-          my %hash = ( 'referral' => $referral,
-                       'agentnum' => $agentnum,
-                       'disabled' => '',
-                     );
-
-          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";
-            }
-          }
-
-          $columns[0] = $part_referral->refnum;
-        }
-
-        #$cust_main{$field} = shift @$columns; 
-        $cust_main{$field} = shift @columns; 
-      }
-    }
-
-    $cust_main{'payby'} = 'CARD' if length($cust_main{'payinfo'});
-
-    my $invoicing_list = $cust_main{'invoicing_list'}
-                           ? [ delete $cust_main{'invoicing_list'} ]
-                           : [];
-
-    my $cust_main = new FS::cust_main ( \%cust_main );
-
-    use Tie::RefHash;
-    tie my %hash, 'Tie::RefHash'; #this part is important
-
-    if ( $cust_pkg{'pkgpart'} ) {
-      my $cust_pkg = new FS::cust_pkg ( \%cust_pkg );
-
-      my @svc_acct = ();
-      if ( $svc_acct{'username'} ) {
-        my $part_pkg = $cust_pkg->part_pkg;
-	unless ( $part_pkg ) {
-	  $dbh->rollback if $oldAutoCommit;
-	  return "unknown pkgpart: ". $cust_pkg{'pkgpart'};
-	} 
-        $svc_acct{svcpart} = $part_pkg->svcpart( 'svc_acct' );
-        push @svc_acct, new FS::svc_acct ( \%svc_acct )
-      }
-
-      $hash{$cust_pkg} = \@svc_acct;
-    }
-
-    my $error = $cust_main->insert( \%hash, $invoicing_list );
-
-    if ( $error ) {
-      $dbh->rollback if $oldAutoCommit;
-      return "can't insert customer for $line: $error";
-    }
-
-    if ( $format eq 'simple' ) {
-
-      #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";
-      }
-  
-      $error = $cust_main->apply_payments_and_credits;
-      if ( $error ) {
-        $dbh->rollback if $oldAutoCommit;
-        return "can't bill customer for $line: $error";
-      }
-
-      $error = $cust_main->collect();
-      if ( $error ) {
-        $dbh->rollback if $oldAutoCommit;
-        return "can't collect customer for $line: $error";
-      }
-
-    }
-
-    $imported++;
-  }
-
-  $dbh->commit or die $dbh->errstr if $oldAutoCommit;
-
-  return "Empty file!" unless $imported;
-
-  ''; #no error
-
-}
-
 =item batch_charge
 
 =cut
@@ -5650,18 +8010,19 @@ I<$expdate> - the expiration of the customer payment in seconds from epoch
 =cut
 
 sub notify {
-  my ($customer, $template, %options) = @_;
+  my ($self, $template, %options) = @_;
 
   return unless $conf->exists($template);
 
-  my $from = $conf->config('invoice_from') if $conf->exists('invoice_from');
+  my $from = $conf->config('invoice_from', $self->agentnum)
+    if $conf->exists('invoice_from', $self->agentnum);
   $from = $options{from} if exists($options{from});
 
-  my $to = join(',', $customer->invoicing_list_emailonly);
+  my $to = join(',', $self->invoicing_list_emailonly);
   $to = $options{to} if exists($options{to});
   
-  my $subject = "Notice from " . $conf->config('company_name')
-    if $conf->exists('company_name');
+  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',
@@ -5672,12 +8033,17 @@ sub notify {
   $notify_template->compile()
     or die "can't compile template: Text::Template::ERROR";
 
-  my $paydate = $customer->paydate;
-  $FS::notify_template::_template::first = $customer->first;
-  $FS::notify_template::_template::last = $customer->last;
-  $FS::notify_template::_template::company = $customer->company;
-  $FS::notify_template::_template::payinfo = $customer->mask_payinfo;
-  my $payby = $customer->payby;
+  $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);
 
@@ -5725,7 +8091,7 @@ 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
+I<$returnaddress> - the return address defaults to invoice_latexreturnaddress or company_address
 
 =cut
 
@@ -5747,8 +8113,8 @@ sub generate_letter {
   my %letter_data = map { $_ => $self->$_ } $self->fields;
   $letter_data{payinfo} = $self->mask_payinfo;
 
-  #my $paydate = $self->paydate || '2037-12';
-  my $paydate = $self->paydate =~ /^\S+$/ ? $self->paydate : '2037-12';
+  #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);
@@ -5775,13 +8141,23 @@ sub generate_letter {
     my $retadd = join("\n", $conf->config_orbase( 'invoice_latexreturnaddress',
                                                   $self->agent_template)
                      );
-
-    $letter_data{returnaddress} = length($retadd) ? $retadd : '~';
+    if ( length($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} = '~';
+    }
   }
 
   $letter_data{conf_dir} = "$FS::UID::conf_dir/conf.$FS::UID::datasrc";
 
-  my $dir = $FS::UID::conf_dir."cache.". $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',
@@ -5829,6 +8205,8 @@ sub print {
   do_print [ $self->print_ps($template) ];
 }
 
+#these three subs should just go away once agent stuff is all config overrides
+
 sub agent_template {
   my $self = shift;
   $self->_agent_plandata('agent_templatename');
@@ -5844,9 +8222,20 @@ sub _agent_plandata {
 
   #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";
+  }
+
   my $part_event_option =
     qsearchs({
       'select'    => 'part_event_option.*',
@@ -5856,11 +8245,15 @@ sub _agent_plandata {
         LEFT JOIN part_event_option AS peo_agentnum
           ON ( part_event.eventpart = peo_agentnum.eventpart
                AND peo_agentnum.optionname = 'agentnum'
-               AND peo_agentnum.optionvalue ~ '(^|,)}. $agentnum. q{(,|$)'
+               AND peo_agentnum.optionvalue }. $regexp. q{ '(^|,)}. $agentnum. q{(,|$)'
              )
-        LEFT JOIN part_event_option AS peo_cust_bill_age
-          ON ( part_event.eventpart = peo_cust_bill_age.eventpart
-               AND peo_cust_bill_age.optionname = 'cust_bill_age'
+        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 },
@@ -5870,17 +8263,12 @@ sub _agent_plandata {
         " 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 ".
+        " AND ( agentnum IS NULL OR agentnum = $agentnum ) ".
         " ORDER BY
-           CASE WHEN peo_cust_bill_age.optionname != 'cust_bill_age'
+           CASE WHEN part_event_condition_option.optionname IS NULL
            THEN -1
-           ELSE EXTRACT( EPOCH FROM
-                           REPLACE( peo_cust_bill_age.optionvalue,
-                                    'm',
-                                    'mon'
-                                  )::interval
-                       )
-          END
+	   ELSE ". FS::part_event::Condition->age2seconds_sql('part_event_condition_option.optionvalue').
+        " END
           , part_event.weight".
         " LIMIT 1"
     });