fix: process Walmart in-store receipt charges

docs/bug-fixes.md

@@ -12,6 +12,29 @@ Each bug fix entry should include:
 
 ## Bug Fixes
 
+### 2026-07-16: Completed Walmart in-store receipts were treated as payment pending
+
+**Description:**
+Walmart returned completed in-store receipts with a credit-card payment method and final total, but its separate order-ledger endpoint returned no payment methods for those receipts. Itemize treated every empty ledger as an uncharged online order and skipped the in-store purchases indefinitely as `payment pending`.
+
+**Test Case:**
+```go
+// internal/adapters/providers/walmart/order_multi_delivery_test.go:
+// TestOrder_GetFinalCharges/completed_in-store_order_falls_back_to_its_credit-card_total_when_ledger_is_empty
+// Expected: a completed IN_STORE order with one CREDITCARD payment returns its receipt total as the bank charge.
+```
+
+**Root Cause:**
+`GetFinalCharges()` assumed Walmart's order-ledger endpoint was populated for every fulfillment type. Live completed in-store orders retain their payment metadata on the order payload but have an empty ledger response.
+
+**Fix Applied:**
+When the ledger is empty, Itemize now uses the receipt total only for an `IN_STORE` order with exactly one `CREDITCARD` payment method and a positive total. Other empty-ledger orders keep the existing payment-pending behavior, avoiding unsafe guesses for split-tender or gift-card purchases.
+
+**Verification:**
+- The regression test failed before the fix with `order not yet charged (payment pending)` and passes after it.
+- A live run of the rebuilt v0.2.1 source reproduced all three completed in-store receipts being skipped with an empty ledger before the fix.
+- The fixed binary dry-ran all three affected receipts against live Walmart and Monarch data, matched `$9.88`, `$32.10`, and `$10.69` transactions, and finished with `Processed=3 Skipped=0 Errors=0` without writing to Monarch.
+
 ### 2026-07-15: Walmart detail requests were rejected with HTTP 456
 
 **Description:**

internal/adapters/providers/walmart/order.go

@@ -202,6 +202,14 @@ func (o *Order) GetFinalCharges() ([]float64, error) {
 
 	// Extract and validate charges
 	if len(ledger.PaymentMethods) == 0 {
+		if charge, ok := o.inStoreCreditCardCharge(); ok {
+			if o.logger != nil {
+				o.logger.Debug("Using completed in-store order total because Walmart ledger is empty",
+					"order_id", o.GetID(),
+					"charge", charge)
+			}
+			return []float64{charge}, nil
+		}
 		return nil, fmt.Errorf("order not yet charged (payment pending)")
 	}
 
@@ -237,6 +245,22 @@ func (o *Order) GetFinalCharges() ([]float64, error) {
 	return positiveCharges, nil
 }
 
+// inStoreCreditCardCharge returns the single bank charge represented by a
+// completed in-store receipt. Walmart does not populate the order-ledger API
+// for these receipts, so the receipt total is the authoritative charge when
+// its order payload identifies one credit-card payment method.
+func (o *Order) inStoreCreditCardCharge() (float64, bool) {
+	if o.walmartOrder.Type != "IN_STORE" || len(o.walmartOrder.PaymentMethods) != 1 {
+		return 0, false
+	}
+	if o.walmartOrder.PaymentMethods[0].PaymentType != "CREDITCARD" {
+		return 0, false
+	}
+
+	charge := o.GetTotal()
+	return charge, charge > 0
+}
+
 // GetRefundCharges returns credit-card refunds for this order as positive amounts.
 // Walmart records refunds as negative ledger entries, while Monarch records the
 // corresponding bank credits as positive transactions.

internal/adapters/providers/walmart/order_multi_delivery_test.go

@@ -1,6 +1,8 @@
 package walmart
 
 import (
+	"io"
+	"log/slog"
 	"testing"
 
 	walmartclient "github.com/eshaffer321/walmart-client-go/v2"
@@ -120,6 +122,84 @@ func TestOrder_GetFinalCharges(t *testing.T) {
 		assert.Contains(t, err.Error(), "payment pending")
 	})
 
+	t.Run("completed in-store order falls back to its credit-card total when ledger is empty", func(t *testing.T) {
+		order := &Order{
+			walmartOrder: &walmartclient.Order{
+				ID:   "IN-STORE-123",
+				Type: "IN_STORE",
+				PriceDetails: &walmartclient.OrderPriceDetails{
+					GrandTotal: &walmartclient.PriceLineItem{Value: 9.88},
+				},
+				PaymentMethods: []walmartclient.OrderPaymentMethod{{PaymentType: "CREDITCARD"}},
+			},
+			ledgerCache: &walmartclient.OrderLedger{
+				OrderID:        "IN-STORE-123",
+				PaymentMethods: []walmartclient.PaymentMethodCharges{},
+			},
+			logger: slog.New(slog.NewTextHandler(io.Discard, nil)),
+		}
+
+		charges, err := order.GetFinalCharges()
+		require.NoError(t, err)
+		assert.Equal(t, []float64{9.88}, charges)
+	})
+
+	t.Run("empty in-store ledger does not guess an ambiguous charge", func(t *testing.T) {
+		tests := []struct {
+			name           string
+			orderType      string
+			paymentMethods []walmartclient.OrderPaymentMethod
+			total          float64
+		}{
+			{
+				name:           "online order",
+				orderType:      "GLASS",
+				paymentMethods: []walmartclient.OrderPaymentMethod{{PaymentType: "CREDITCARD"}},
+				total:          9.88,
+			},
+			{
+				name:      "split tender",
+				orderType: "IN_STORE",
+				paymentMethods: []walmartclient.OrderPaymentMethod{
+					{PaymentType: "CREDITCARD"},
+					{PaymentType: "GIFTCARD"},
+				},
+				total: 9.88,
+			},
+			{
+				name:           "gift card only",
+				orderType:      "IN_STORE",
+				paymentMethods: []walmartclient.OrderPaymentMethod{{PaymentType: "GIFTCARD"}},
+				total:          9.88,
+			},
+			{
+				name:           "non-positive total",
+				orderType:      "IN_STORE",
+				paymentMethods: []walmartclient.OrderPaymentMethod{{PaymentType: "CREDITCARD"}},
+				total:          0,
+			},
+		}
+
+		for _, tt := range tests {
+			t.Run(tt.name, func(t *testing.T) {
+				order := &Order{
+					walmartOrder: &walmartclient.Order{
+						ID:             "AMBIGUOUS-IN-STORE",
+						Type:           tt.orderType,
+						PaymentMethods: tt.paymentMethods,
+						PriceDetails: &walmartclient.OrderPriceDetails{
+							GrandTotal: &walmartclient.PriceLineItem{Value: tt.total},
+						},
+					},
+					ledgerCache: &walmartclient.OrderLedger{OrderID: "AMBIGUOUS-IN-STORE"},
+				}
+
+				_, err := order.GetFinalCharges()
+				require.ErrorContains(t, err, "payment pending")
+			})
+		}
+	})
+
 	t.Run("error - client not available", func(t *testing.T) {
 		order := &Order{
 			walmartOrder: &walmartclient.Order{ID: "TEST001"},