{
  "status": false,
  "message": "Compliance validation error",
  "data": {
    "code": "restriction_underage",
    "description": "Rejected due to document restriction underage Brazilian law"
  }
}

async function createChargeWithValidation(chargeData) {
  try {
    const response = await fetch(
      'https://api.sandbox.wepayout.com.br/v2/payin/payments',
      {
        method: 'POST',
        headers: {
          'Authorization': 'Bearer YOUR_TOKEN',
          'Content-Type': 'application/json'
        },
        body: JSON.stringify(chargeData)
      }
    );
    
    const data = await response.json();
    
    if (response.status === 400 && data.message === 'Compliance validation error') {
      // Handle compliance rejection
      const { code, description } = data.data;
      
      console.error(`Compliance Error: ${code}`);
      console.error(`Description: ${description}`);
      
      // Map error codes to user-friendly messages
      const userMessage = getUserFriendlyMessage(code);
      
      return {
        success: false,
        error: code,
        userMessage
      };
    }
    
    return {
      success: true,
      charge: data
    };
    
  } catch (error) {
    console.error('Error creating charge:', error);
    throw error;
  }
}

function getUserFriendlyMessage(code) {
  const messages = {
    'restriction_underage': 'Customer must be 18 years or older to complete this transaction.',
    'restriction_canceled': 'The provided document is invalid or canceled. Please verify the document number.',
    'restriction_unknown': 'The document could not be found in the Federal Revenue database. Please verify the document number.',
    'restriction_pep': 'Additional verification is required for this transaction. Please contact support.',
    'restriction_judicial_block': 'This document has judicial restrictions. Please resolve any legal issues before proceeding.',
    'restriction_deceased_holder': 'The document belongs to a deceased person and cannot be used.',
    'restriction_suspended': 'The document is currently suspended. Please regularize the document status.',
    'restriction_ofac': 'This document appears on the OFAC sanctions list.',
    'restriction_interpol': 'This document appears on the INTERPOL list.',
    'restriction_onu': 'This document appears on the UN sanctions list.'
  };
  
  return messages[code] || 'Transaction could not be completed due to compliance restrictions.';
}

// Usage
const result = await createChargeWithValidation({
  invoice: 'INV-001',
  payment_method: 'pix',
  amount: 5000,
  currency: 'BRL',
  country: 'BR',
  buyer: {
    name: 'Customer Name',
    email: '[email protected]',
    document: {
      type: 'CPF',
      number: '12345678900'
    }
  },
  pix: {
    expire_date: '2024-12-31T23:59:59'
  }
});

if (!result.success) {
  console.log('User Message:', result.userMessage);
}