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This PR completes the full implementation of the MerchantService, covering the entire merchant lifecycle from registration to settlement readiness. The service is built with dependency injection, validated workflows, and comprehensive test coverage.

Merchants can register, verify their email, complete KYC, manage profiles and business details, link and verify bank accounts, configure settlement and notification preferences, and operate with enforced API quotas. Advanced capabilities such as merchant search with pagination, analytics aggregation, multi-currency support, and status management are included.

All service methods are documented with JSDoc, and the implementation is backed by 54 passing unit tests, ensuring correctness, stability, and maintainability.

Key Features

Merchant registration with validation

Email verification and resend flow

KYC document submission and verification

Profile and business details management

Bank account update and verification

Merchant status lifecycle management (activate, suspend, close)

Merchant search and filtering with pagination

Merchant analytics aggregation

Multi-currency configuration per merchant

Settlement preferences management

Notification preferences management

API quota enforcement with cron-based reset

Full JSDoc documentation

Comprehensive unit test coverage (54 tests)

Acceptance Criteria

Merchants can register and complete KYC

Profile and business updates are validated and persisted

Bank accounts are verified before settlement

All service methods are fully tested and passing

Closes #21

…ration, KYC, verification, analytics, preferences, quotas, and full test coverage
@dannyy2000
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@Xaxxoo please kindly review

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@Xaxxoo Xaxxoo left a comment

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Kindly resolve conflicts

@dannyy2000
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Kindly resolve conflicts

done

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Merchant Service - Registration and Management

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