Updates

src/main/java/com/test/payment/models/LimitPeriod.java

@@ -0,0 +1,41 @@
+package com.test.payment.models;
+
+import java.time.LocalDateTime;
+
+/**
+ * The window a provider limit applies over. PER_TRANSACTION checks the request
+ * amount on its own; the others sum the payer's prior payments over the window.
+ * Adding a new period (WEEKLY, YEARLY, ...) only means adding a constant here —
+ * PaymentLimitService iterates whatever rows exist in PROVIDER_LIMITS.
+ */
+public enum LimitPeriod {
+
+    PER_TRANSACTION {
+        @Override
+        public LocalDateTime windowStart(LocalDateTime now) {
+            return null;
+        }
+    },
+    DAILY {
+        @Override
+        public LocalDateTime windowStart(LocalDateTime now) {
+            return now.toLocalDate().atStartOfDay();
+        }
+    },
+    MONTHLY {
+        @Override
+        public LocalDateTime windowStart(LocalDateTime now) {
+            return now.toLocalDate().withDayOfMonth(1).atStartOfDay();
+        }
+    };
+
+    /**
+     * Start of the accumulation window, or null when the limit applies to a single
+     * transaction rather than to a running total.
+     */
+    public abstract LocalDateTime windowStart(LocalDateTime now);
+
+    public boolean isCumulative() {
+        return this != PER_TRANSACTION;
+    }
+}