Updated on 2026-08-14

core/datasource/src/main/java/com/tangem/datasource/di/MoshiModule.kt

@@ -48,6 +48,7 @@ class MoshiModule {
             )
             .add(
                 NamePolymorphicAdapterFactory.of(PaymentAccountStatusValueDM::class.java)
+                    .withSubtype(PaymentAccountStatusValueDM.Empty::class.java, "empty")
                     .withSubtype(PaymentAccountStatusValueDM.NotCreated::class.java, "not_created")
                     .withSubtype(PaymentAccountStatusValueDM.UnderReview::class.java, "kyc_status")
                     .withSubtype(PaymentAccountStatusValueDM.IssuingCard::class.java, "issuing_card")

core/datasource/src/main/java/com/tangem/datasource/local/visa/entity/PaymentAccountStatusValueDM.kt

@@ -16,6 +16,11 @@ import java.math.BigDecimal
 @JsonClass(generateAdapter = true, generator = PolymorphicAdapterType.NAME_POLYMORPHIC_ADAPTER)
 sealed interface PaymentAccountStatusValueDM {
 
+    @NameLabel("empty")
+    data class Empty(
+        @Json(name = "empty") val marker: Boolean = true,
+    ) : PaymentAccountStatusValueDM
+
     @NameLabel("not_created")
     data class NotCreated(
         @Json(name = "not_created") val marker: Boolean = true,

data/visa/src/main/kotlin/com/tangem/data/pay/converter/PaymentAccountStatusValueDMConverter.kt

@@ -51,6 +51,7 @@ internal object PaymentAccountStatusValueDMConverter :
             is PaymentAccountStatusValue.Error.CardIssueFailed -> PaymentAccountStatusValueDM.CardIssueFailed(
                 customerId = value.customerId,
             )
+            is PaymentAccountStatusValue.Empty -> PaymentAccountStatusValueDM.Empty()
             // Transient statuses are not persisted
             is PaymentAccountStatusValue.Loading,
             is PaymentAccountStatusValue.Error.ExposedDevice,
@@ -62,6 +63,7 @@ internal object PaymentAccountStatusValueDMConverter :
 
     override fun convertBack(value: PaymentAccountStatusValueDM?): PaymentAccountStatusValue {
         return when (value) {
+            is PaymentAccountStatusValueDM.Empty -> PaymentAccountStatusValue.Empty
             is PaymentAccountStatusValueDM.NotCreated -> PaymentAccountStatusValue.NotCreated
             is PaymentAccountStatusValueDM.CardIssueFailed -> PaymentAccountStatusValue.Error.CardIssueFailed(
                 customerId = value.customerId,

data/visa/src/main/kotlin/com/tangem/data/pay/flow/DefaultPaymentAccountStatusFetcher.kt

@@ -8,10 +8,13 @@ import com.tangem.domain.models.account.Account
 import com.tangem.domain.models.account.AccountStatus
 import com.tangem.domain.models.account.PaymentAccountStatusValue
 import com.tangem.domain.models.kyc.KycStatus
+import com.tangem.domain.models.wallet.UserWalletId
+import com.tangem.domain.pay.TangemPayEligibilityManager
 import com.tangem.domain.pay.flow.PaymentAccountStatusFetcher
 import com.tangem.domain.pay.model.CustomerInfo
 import com.tangem.domain.pay.model.OrderData
 import com.tangem.domain.pay.model.OrderStatus
+import com.tangem.domain.pay.model.TangemPayEntryPoint
 import com.tangem.domain.pay.repository.CustomerOrderRepository
 import com.tangem.domain.pay.repository.OnboardingRepository
 import com.tangem.domain.visa.error.VisaApiError
@@ -28,12 +31,14 @@ import kotlin.time.Duration.Companion.minutes
 
 private const val TAG = "PaymentAccountStatusFetcher"
 
+@Suppress("LongParameterList")
 internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
     private val paymentAccountStatusesStore: PaymentAccountStatusesStore,
     private val onboardingRepository: OnboardingRepository,
     private val customerOrderRepository: CustomerOrderRepository,
     private val deviceSecurity: DeviceSecurityInfoProvider,
     private val dispatchers: CoroutineDispatcherProvider,
+    private val eligibilityManager: TangemPayEligibilityManager,
 ) : PaymentAccountStatusFetcher {
 
     private val logger = TangemLogger.withTag(TAG)
@@ -43,6 +48,16 @@ internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
             val account = Account.Payment(userWalletId = params.userWalletId)
             logger.i("fetch: ${params.userWalletId.stringValue}")
 
+            if (onboardingRepository.isTangemPayDeactivated(params.userWalletId)) {
+                return@catchOn paymentAccountStatusesStore.store(
+                    userWalletId = params.userWalletId,
+                    status = AccountStatus.Payment(
+                        account = account,
+                        value = PaymentAccountStatusValue.Empty,
+                    ),
+                )
+            }
+
             if (deviceSecurity.isSecurityExposed()) {
                 logger.i("fetch security info: rooted: ${deviceSecurity.isRooted}")
                 logger.i("fetch security info: xposed: ${deviceSecurity.isXposed}")
@@ -57,22 +72,12 @@ internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
                 )
             }
 
-            if (onboardingRepository.isTangemPayDeactivated(params.userWalletId)) {
-                return@catchOn paymentAccountStatusesStore.store(
-                    userWalletId = params.userWalletId,
-                    status = AccountStatus.Payment(
-                        account = account,
-                        value = PaymentAccountStatusValue.NotCreated,
-                    ),
-                )
-            }
-
             val status = onboardingRepository.hasTangemPayInWallet(userWalletId = params.userWalletId)
                 .fold(
                     ifLeft = { error ->
                         logger.e("Failed check wallet ${params.userWalletId}: ${error.javaClass.simpleName}")
                         when (error) {
-                            is VisaApiError.NotPaeraCustomer -> PaymentAccountStatusValue.NotCreated
+                            is VisaApiError.NotPaeraCustomer -> constructNotCreatedOrEmptyStatus(params.userWalletId)
                             else -> PaymentAccountStatusValue.Error.Unavailable
                         }
                     },
@@ -100,7 +105,7 @@ internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
         return if (hasTangemPay) {
             fetchTangemPayAccountStatus(account)
         } else {
-            PaymentAccountStatusValue.NotCreated
+            constructNotCreatedOrEmptyStatus(account.userWalletId)
         }
     }
 
@@ -133,7 +138,7 @@ internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
         return onboardingRepository.getCustomerInfo(account.userWalletId).fold(
             ifLeft = { error ->
                 logger.e("proceedWithoutOrder ${account.userWalletId} error: $error")
-                error.mapToPaymentAccountStatus()
+                error.mapToPaymentAccountStatus(account.userWalletId)
             },
             ifRight = { customerInfo ->
                 logger.i("proceedWithoutOrder data customerInfo ${account.userWalletId}")
@@ -153,7 +158,7 @@ internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
         val customerInfo = onboardingRepository.getCustomerInfo(account.userWalletId).fold(
             ifLeft = { error ->
                 logger.e("proceedWithOrderId KYC check ${account.userWalletId} error: $error")
-                return error.mapToPaymentAccountStatus()
+                return error.mapToPaymentAccountStatus(account.userWalletId)
             },
             ifRight = { it },
         )
@@ -172,7 +177,7 @@ internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
         return customerOrderRepository.getOrderData(userWalletId = account.userWalletId, orderId = orderId).fold(
             ifLeft = { error ->
                 logger.e("proceedWithOrderId ${account.userWalletId} orderId: $orderId error: $error")
-                error.mapToPaymentAccountStatus()
+                error.mapToPaymentAccountStatus(account.userWalletId)
             },
             ifRight = { orderData ->
                 logger.i("proceedWithOrderId ${account.userWalletId}: $orderId status: ${orderData.status}")
@@ -241,7 +246,7 @@ internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
         onboardingRepository.clearOrderId(account.userWalletId)
         return onboardingRepository.getCustomerInfo(userWalletId = account.userWalletId)
             .fold(
-                ifLeft = { it.mapToPaymentAccountStatus() },
+                ifLeft = { it.mapToPaymentAccountStatus(account.userWalletId) },
                 ifRight = { customerInfo -> customerInfo.mapToPaymentAccountStatus() },
             )
     }
@@ -297,12 +302,22 @@ internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
         }
     }
 
-    private fun VisaApiError.mapToPaymentAccountStatus(): PaymentAccountStatusValue {
+    private suspend fun VisaApiError.mapToPaymentAccountStatus(userWalletId: UserWalletId): PaymentAccountStatusValue {
         return when (this) {
             is VisaApiError.RefreshTokenExpired -> PaymentAccountStatusValue.Error.NotSynced
-            is VisaApiError.NotPaeraCustomer -> PaymentAccountStatusValue.NotCreated
-            is VisaApiError.Deactivated -> PaymentAccountStatusValue.NotCreated
+            is VisaApiError.NotPaeraCustomer -> constructNotCreatedOrEmptyStatus(userWalletId)
+            is VisaApiError.Deactivated -> constructNotCreatedOrEmptyStatus(userWalletId)
             else -> PaymentAccountStatusValue.Error.Unavailable
         }
     }
+
+    private suspend fun constructNotCreatedOrEmptyStatus(userWalletId: UserWalletId): PaymentAccountStatusValue {
+        val entryPoint = TangemPayEntryPoint.BANNER
+        val shouldShowBanner = !eligibilityManager.isPaeraCustomerForAnyWallet(entryPoint) &&
+            eligibilityManager.getEligibleWallets(shouldExcludePaeraCustomers = false, entryPoint = entryPoint)
+                .any { it.walletId == userWalletId } &&
+            !onboardingRepository.getHideMainOnboardingBanner(userWalletId)
+
+        return if (shouldShowBanner) PaymentAccountStatusValue.NotCreated else PaymentAccountStatusValue.Empty
+    }
 }

data/visa/src/main/kotlin/com/tangem/data/pay/repository/DefaultOnboardingRepository.kt

@@ -5,6 +5,7 @@ import arrow.core.flatMap
 import arrow.core.left
 import arrow.core.right
 import com.tangem.core.analytics.api.AnalyticsEventHandler
+import com.tangem.data.pay.store.PaymentAccountStatusesStore
 import com.tangem.datasource.api.pay.TangemPayApi
 import com.tangem.datasource.api.pay.models.request.DeeplinkValidityRequest
 import com.tangem.datasource.api.pay.models.request.OrderRequest
@@ -15,6 +16,8 @@ import com.tangem.datasource.local.visa.TangemPayCardFrozenStateStore
 import com.tangem.datasource.local.visa.TangemPayStorage
 import com.tangem.domain.common.wallets.UserWalletsListRepository
 import com.tangem.domain.models.TangemPayEligibilityType
+import com.tangem.domain.models.account.Account
+import com.tangem.domain.models.account.AccountStatus
 import com.tangem.domain.models.account.PaymentAccountStatusValue
 import com.tangem.domain.models.kyc.KycStatus
 import com.tangem.domain.models.wallet.UserWallet
@@ -44,6 +47,7 @@ internal class DefaultOnboardingRepository @Inject constructor(
     private val authDataSource: TangemPayAuthDataSource,
     private val cardFrozenStateStore: TangemPayCardFrozenStateStore,
     private val userWalletsListRepository: UserWalletsListRepository,
+    private val paymentAccountStatusStore: PaymentAccountStatusesStore,
 ) : OnboardingRepository {
 
     // Save data for a session
@@ -265,6 +269,13 @@ internal class DefaultOnboardingRepository @Inject constructor(
 
     override suspend fun setHideMainOnboardingBanner(userWalletId: UserWalletId) {
         tangemPayStorage.storeHideOnboardingBanner(userWalletId, hide = true)
+        paymentAccountStatusStore.store(
+            userWalletId = userWalletId,
+            status = AccountStatus.Payment(
+                account = Account.Payment(userWalletId),
+                value = PaymentAccountStatusValue.Empty,
+            ),
+        )
     }
 
     override suspend fun disableTangemPay(userWalletId: UserWalletId): Either<VisaApiError, Unit> {

domain/account/status/src/main/java/com/tangem/domain/account/status/usecase/IsAccountsModeEnabledUseCase.kt

@@ -12,6 +12,7 @@ import kotlinx.coroutines.flow.map
  * Accounts mode is considered enabled if any [com.tangem.domain.account.models.AccountStatusList] produced for the
  * user's wallets has more than one [AccountStatus.CryptoPortfolio], or has a [AccountStatus.Payment] with any
 
+ * [PaymentAccountStatusValue.Empty].
  *
  * @property multiAccountStatusListSupplier supplier that provides a list of
  * [com.tangem.domain.account.models.AccountStatusList]s for all user wallets
@@ -45,6 +46,17 @@ class IsAccountsModeEnabledUseCase(
     }
 
     private fun PaymentAccountStatusValue.isActivePayment(): Boolean {
-        return this !is PaymentAccountStatusValue.NotCreated
+        return when (this) {
+            is PaymentAccountStatusValue.Empty,
+            is PaymentAccountStatusValue.NotCreated,
+            -> false
+            is PaymentAccountStatusValue.Error,
+            is PaymentAccountStatusValue.IssuingCard,
+            is PaymentAccountStatusValue.Loaded,
+            is PaymentAccountStatusValue.Loading,
+            is PaymentAccountStatusValue.Locked,
+            is PaymentAccountStatusValue.UnderReview,
+            -> true
+        }
     }
 }

domain/account/status/src/test/kotlin/com/tangem/domain/account/status/usecase/IsAccountsModeEnabledUseCaseTest.kt

@@ -102,6 +102,18 @@ class IsAccountsModeEnabledUseCaseTest {
             Truth.assertThat(actual).isFalse()
         }
 
+        @Test
+        fun `returns false when payment account is Empty`() = runTest {
+            val statusList = createAccountStatusList(
+                statuses = listOf(mockCryptoPortfolio(), mockPayment(PaymentAccountStatusValue.Empty)),
+            )
+            every { multiAccountStatusListSupplier.invoke() } returns flowOf(listOf(statusList))
+
+            val actual = useCase.invoke().first()
+
+            Truth.assertThat(actual).isFalse()
+        }
+
         @Test
         fun `returns true when payment account is UnderReview`() = runTest {
             val statusList = createAccountStatusList(
@@ -234,6 +246,18 @@ class IsAccountsModeEnabledUseCaseTest {
             Truth.assertThat(actual).isFalse()
         }
 
+        @Test
+        fun `returns false when payment account is Empty`() = runTest {
+            val statusList = createAccountStatusList(
+                statuses = listOf(mockCryptoPortfolio(), mockPayment(PaymentAccountStatusValue.Empty)),
+            )
+            coEvery { multiAccountStatusListSupplier.getSyncOrNull(Unit, any()) } returns listOf(statusList)
+
+            val actual = useCase.invokeSync()
+
+            Truth.assertThat(actual).isFalse()
+        }
+
         @Test
         fun `returns true when payment account is UnderReview`() = runTest {
             val statusList = createAccountStatusList(

domain/models/src/main/kotlin/com/tangem/domain/models/account/PaymentAccountStatusValue.kt

@@ -20,6 +20,7 @@ sealed class PaymentAccountStatusValue {
         get() = when (this) {
             is Error,
             is IssuingCard,
+            is Empty,
             is NotCreated,
             is UnderReview,
             -> TotalFiatBalance.Loaded(amount = SerializedBigDecimal.ZERO, source = source)
@@ -40,12 +41,19 @@ sealed class PaymentAccountStatusValue {
             is Locked -> copy(source = source)
             is UnderReview -> copy(source = source)
             is Loading,
+            is Empty,
             is NotCreated,
             is Error,
             -> this
         }
     }
 
+    /** Represents an empty payment account status when no specific state is available. */
+    @Serializable
+    data object Empty : PaymentAccountStatusValue() {
+        override val source: StatusSource = StatusSource.ACTUAL
+    }
+
     /** Represents the Loading state of a payment account, typically while fetching its details. */
     @Serializable
     data object Loading : PaymentAccountStatusValue() {

features/wallet/impl/src/main/java/com/tangem/feature/wallet/presentation/wallet/domain/GetMultiWalletWarningsFactory.kt

@@ -29,13 +29,13 @@ import com.tangem.domain.promo.models.PromoId
 import com.tangem.domain.settings.IsReadyToShowRateAppUseCase
 import com.tangem.domain.tokensync.model.TokenSyncProgress
 import com.tangem.domain.tokensync.usecase.ObserveTokenSyncUseCase
-import com.tangem.features.hotwallet.HotWalletFeatureToggles
 import com.tangem.domain.wallets.usecase.IsNeedToBackupUseCase
 import com.tangem.feature.wallet.child.wallet.model.WalletActivationBannerType
 import com.tangem.feature.wallet.child.wallet.model.intents.WalletClickIntents
 import com.tangem.feature.wallet.impl.R
 import com.tangem.feature.wallet.presentation.account.AccountDependencies
 import com.tangem.feature.wallet.presentation.wallet.state.model.WalletNotification
+import com.tangem.features.hotwallet.HotWalletFeatureToggles
 import com.tangem.hot.sdk.model.HotWalletId
 import com.tangem.lib.crypto.BlockchainUtils
 import com.tangem.utils.extensions.addIf
@@ -43,11 +43,7 @@ import com.tangem.utils.extensions.isPositive
 import com.tangem.utils.extensions.orZero
 import kotlinx.collections.immutable.ImmutableList
 import kotlinx.collections.immutable.toImmutableList
-import kotlinx.coroutines.flow.Flow
-import kotlinx.coroutines.flow.combine
-import kotlinx.coroutines.flow.distinctUntilChanged
-import kotlinx.coroutines.flow.flowOf
-import kotlinx.coroutines.flow.map
+import kotlinx.coroutines.flow.*
 import javax.inject.Inject
 
 @Deprecated("Remove with main toggle [DesignFeatureToggles.isRedesignEnabled]")
@@ -214,6 +210,7 @@ internal class GetMultiWalletWarningsFactory @Inject constructor(
             is PaymentAccountStatusValue.Loading,
             is PaymentAccountStatusValue.Locked,
             is PaymentAccountStatusValue.UnderReview,
+            is PaymentAccountStatusValue.Empty,
             -> null
         }
         notification?.let(::add)

features/wallet/impl/src/main/java/com/tangem/feature/wallet/presentation/wallet/domain/GetWalletNotificationsFactory.kt

@@ -239,6 +239,7 @@ internal class GetWalletNotificationsFactory @Inject constructor(
             is PaymentAccountStatusValue.Loading,
             is PaymentAccountStatusValue.Locked,
             is PaymentAccountStatusValue.UnderReview,
+            is PaymentAccountStatusValue.Empty,
             -> null
         }
         notification?.let(::add)

features/wallet/impl/src/main/java/com/tangem/feature/wallet/presentation/wallet/state/transformers/converter/TangemPayMainBlockConverter.kt

@@ -53,6 +53,7 @@ internal class TangemPayMainBlockConverter(
                     }
                 },
             )
+            is PaymentAccountStatusValue.Empty -> TangemPayMainUM.Empty
             is PaymentAccountStatusValue.NotCreated -> TangemPayMainUM.Empty
             is PaymentAccountStatusValue.Loading -> TangemPayMainUM.Loading
             is PaymentAccountStatusValue.Locked -> TangemPayMainUM.Content(