feat: merchant rules, auto-match on sync, duplicate API fix

- Removed duplicate unmatchTransaction API entry in api.js
- Unmonitored accounts: no chevron, click-to-expand disabled, tx panel hidden
- matched_bill_name included via LEFT JOIN bills in accounts query
- BillPickerDialog resets search/selection on open
- Link to bill: marks historical txs matched, stores merchant rule,
  applyMerchantRules catches other unmatched txs from same merchant
- Track (new subscription): creates bill with is_subscription=1, stores
  merchant rule for ongoing tracking
- SimpleFIN sync: applyMerchantRules runs after tx insert, auto-matches
  by merchant rule with payment_source='auto_match'
- Auto-match payments have transaction_id set, treated same as manual matches
- New services/billMerchantRuleService.js for rule storage and matching
- Migration for bill_merchant_rules table

client/api.js

@@ -182,7 +182,7 @@ export const api = {
   // Subscriptions
   subscriptions:       ()          => get('/subscriptions'),
   confirmTransactionMatch: (transactionId, billId) => post('/matches/confirm', { transaction_id: transactionId, bill_id: billId }),
-  unmatchTransaction:      (transactionId)          => post(`/matches/${transactionId}/unmatch`),
+  matchRecommendationToBill: (transactionIds, billId, merchant) => post('/subscriptions/recommendations/match-bill', { transaction_ids: transactionIds, bill_id: billId, merchant }),
   subscriptionRecommendations: ()  => get('/subscriptions/recommendations'),
   updateSubscription:  (id, data)  => _fetch('PATCH', `/subscriptions/${id}`, data),
   createSubscriptionFromRecommendation: (data) => post('/subscriptions/recommendations/create', data),

client/components/data/BankSyncSection.jsx

@@ -164,13 +164,13 @@ function AccountRow({ account, sourceId, expanded, onToggleExpand, onToggleMonit
   return (
     <div className="border-t border-border/40 first:border-t-0">
       <div
-        className="flex items-center gap-3 px-4 py-2.5 hover:bg-muted/20 cursor-pointer"
-        onClick={onToggleExpand}
+        className={cn('flex items-center gap-3 px-4 py-2.5', account.monitored && 'hover:bg-muted/20 cursor-pointer')}
+        onClick={account.monitored ? onToggleExpand : undefined}
       >
-        <span className="text-muted-foreground shrink-0" onClick={e => e.stopPropagation()}>
-          {expanded
+        <span className="text-muted-foreground shrink-0 w-3.5" onClick={e => e.stopPropagation()}>
+          {account.monitored && (expanded
             ? <ChevronDown className="h-3.5 w-3.5" />
-            : <ChevronRight className="h-3.5 w-3.5" />}
+            : <ChevronRight className="h-3.5 w-3.5" />)}
         </span>
 
         {/* Monitored toggle */}
@@ -214,7 +214,7 @@ function AccountRow({ account, sourceId, expanded, onToggleExpand, onToggleMonit
         </div>
       </div>
 
-      {expanded && (
+      {expanded && account.monitored && (
         <div className="border-t border-border/30 bg-muted/10">
           {account.transactions.length === 0 ? (
             <p className="px-6 py-3 text-xs text-muted-foreground italic">No transactions synced for this account.</p>

client/pages/SubscriptionsPage.jsx

@@ -5,6 +5,7 @@ import {
   CalendarDays,
   CheckCircle2,
   Cloud,
+  Link2,
   Loader2,
   Pause,
   Plus,
@@ -18,6 +19,10 @@ import { cn, fmt, fmtDate } from '@/lib/utils';
 import { Button } from '@/components/ui/button';
 import { Card, CardContent, CardDescription, CardHeader, CardTitle } from '@/components/ui/card';
 import { Badge } from '@/components/ui/badge';
+import { Input } from '@/components/ui/input';
+import {
+  Dialog, DialogContent, DialogFooter, DialogHeader, DialogTitle,
+} from '@/components/ui/dialog';
 import BillModal from '@/components/BillModal';
 
 const TYPE_LABELS = {
@@ -112,7 +117,74 @@ function SubscriptionRow({ item, onEdit, onToggle }) {
   );
 }
 
-function RecommendationCard({ recommendation, categoryId, onAccept, onDecline, busy }) {
+function BillPickerDialog({ open, onClose, recommendation, bills, onConfirm, busy }) {
+  const [search, setSearch] = useState('');
+  const [selectedId, setSelectedId] = useState(null);
+
+  useEffect(() => { if (open) { setSearch(''); setSelectedId(null); } }, [open]);
+
+  const filtered = useMemo(() => {
+    const q = search.toLowerCase();
+    return (bills || []).filter(b => !q || b.name.toLowerCase().includes(q));
+  }, [bills, search]);
+
+  return (
+    <Dialog open={open} onOpenChange={v => { if (!v) onClose(); }}>
+      <DialogContent className="max-w-md">
+        <DialogHeader>
+          <DialogTitle>Link to existing bill</DialogTitle>
+          <p className="text-sm text-muted-foreground mt-1">
+            <span className="font-medium text-foreground">{recommendation?.name}</span>
+            {recommendation && (
+              <span className="ml-2 text-xs">{recommendation.occurrence_count} charge{recommendation.occurrence_count !== 1 ? 's' : ''} · {fmt(recommendation.expected_amount)}</span>
+            )}
+          </p>
+          <p className="text-xs text-muted-foreground">
+            The matching transactions will be marked as paid under the selected bill.
+          </p>
+        </DialogHeader>
+
+        <Input
+          autoFocus
+          placeholder="Search bills…"
+          value={search}
+          onChange={e => setSearch(e.target.value)}
+          className="text-sm"
+        />
+
+        <div className="max-h-56 overflow-y-auto rounded-lg border border-border/60 divide-y divide-border/40">
+          {filtered.length === 0 ? (
+            <p className="px-3 py-4 text-sm text-muted-foreground text-center">No bills found.</p>
+          ) : filtered.map(bill => (
+            <button
+              key={bill.id}
+              type="button"
+              onClick={() => setSelectedId(bill.id)}
+              className={cn(
+                'w-full flex items-center justify-between px-3 py-2.5 text-left text-sm transition-colors hover:bg-muted/40',
+                selectedId === bill.id && 'bg-primary/10 text-primary',
+              )}
+            >
+              <span className="truncate font-medium">{bill.name}</span>
+              <span className="shrink-0 ml-3 text-xs text-muted-foreground tabular-nums">
+                ${(bill.expected_amount ?? 0).toFixed(2)}/mo
+              </span>
+            </button>
+          ))}
+        </div>
+
+        <DialogFooter>
+          <Button variant="ghost" onClick={onClose} disabled={busy}>Cancel</Button>
+          <Button onClick={() => onConfirm(selectedId)} disabled={!selectedId || busy}>
+            {busy ? <><Loader2 className="h-3.5 w-3.5 animate-spin mr-1.5" />Linking…</> : 'Link to bill'}
+          </Button>
+        </DialogFooter>
+      </DialogContent>
+    </Dialog>
+  );
+}
+
+function RecommendationCard({ recommendation, categoryId, onAccept, onDecline, onMatch, busy }) {
   return (
     <div className="rounded-lg border border-primary/20 bg-primary/[0.05] p-4">
       <div className="flex flex-col gap-3 sm:flex-row sm:items-start sm:justify-between">
@@ -139,7 +211,7 @@ function RecommendationCard({ recommendation, categoryId, onAccept, onDecline, b
           <p className="tracker-number text-xs font-semibold text-emerald-600 dark:text-emerald-300">
             {fmt(recommendation.monthly_equivalent)} / mo
           </p>
-          <div className="mt-3 flex gap-2 sm:justify-end">
+          <div className="mt-3 flex flex-wrap gap-2 sm:justify-end">
             <Button
               type="button"
               size="sm"
@@ -151,6 +223,17 @@ function RecommendationCard({ recommendation, categoryId, onAccept, onDecline, b
               {busy ? <Loader2 className="h-3.5 w-3.5 animate-spin" /> : <X className="h-3.5 w-3.5" />}
               Decline
             </Button>
+            <Button
+              type="button"
+              size="sm"
+              variant="outline"
+              className="gap-1.5"
+              disabled={busy}
+              onClick={() => onMatch(recommendation)}
+            >
+              <Link2 className="h-3.5 w-3.5" />
+              Link to bill
+            </Button>
             <Button
               type="button"
               size="sm"
@@ -172,10 +255,12 @@ export default function SubscriptionsPage() {
   const [data, setData] = useState({ summary: {}, subscriptions: [] });
   const [recommendations, setRecommendations] = useState([]);
   const [categories, setCategories] = useState([]);
+  const [bills, setBills] = useState([]);
   const [loading, setLoading] = useState(true);
   const [recommendationsLoading, setRecommendationsLoading] = useState(true);
   const [busyId, setBusyId] = useState(null);
   const [modal, setModal] = useState(null);
+  const [matchTarget, setMatchTarget] = useState(null); // recommendation being linked
 
   const subscriptionCategoryId = useMemo(() => {
     const match = categories.find(category => /subscrip/i.test(category.name));
@@ -213,6 +298,7 @@ export default function SubscriptionsPage() {
   useEffect(() => {
     load();
     loadRecommendations();
+    api.bills().then(b => setBills(Array.isArray(b) ? b : [])).catch(() => {});
   }, [load, loadRecommendations]);
 
   async function refreshAll() {
@@ -258,6 +344,21 @@ export default function SubscriptionsPage() {
     }
   }
 
+  async function matchRecommendationToBill(billId) {
+    if (!matchTarget || !billId) return;
+    setBusyId(`match-${matchTarget.id}`);
+    try {
+      const result = await api.matchRecommendationToBill(matchTarget.transaction_ids, billId, matchTarget.merchant);
+      toast.success(`Linked ${result.matched_count} transaction${result.matched_count !== 1 ? 's' : ''} to "${result.bill_name}".`);
+      setMatchTarget(null);
+      setRecommendations(prev => prev.filter(r => r.id !== matchTarget.id));
+    } catch (err) {
+      toast.error(err.message || 'Could not link recommendation to bill.');
+    } finally {
+      setBusyId(null);
+    }
+  }
+
   function openManualSubscription() {
     setModal({
       bill: null,
@@ -369,9 +470,10 @@ export default function SubscriptionsPage() {
                   key={recommendation.id}
                   recommendation={recommendation}
                   categoryId={subscriptionCategoryId}
-                  busy={busyId === `rec-${recommendation.id}` || busyId === `dec-${recommendation.id}`}
+                  busy={busyId === `rec-${recommendation.id}` || busyId === `dec-${recommendation.id}` || busyId === `match-${recommendation.id}`}
                   onAccept={acceptRecommendation}
                   onDecline={declineRecommendation}
+                  onMatch={rec => setMatchTarget(rec)}
                 />
               ))
             )}
@@ -392,6 +494,15 @@ export default function SubscriptionsPage() {
           }}
         />
       )}
+
+      <BillPickerDialog
+        open={!!matchTarget}
+        onClose={() => setMatchTarget(null)}
+        recommendation={matchTarget}
+        bills={bills}
+        onConfirm={matchRecommendationToBill}
+        busy={!!busyId?.startsWith('match-')}
+      />
     </div>
   );
 }

db/database.js

@@ -1366,6 +1366,27 @@ function reconcileLegacyMigrations() {
             ON declined_subscription_hints(user_id);
         `);
       }
+    },
+    {
+      version: 'v0.67',
+      description: 'bill_merchant_rules: persistent merchant→bill auto-match rules',
+      check: function() {
+        return !!db.prepare("SELECT name FROM sqlite_master WHERE type='table' AND name='bill_merchant_rules'").get();
+      },
+      run: function() {
+        db.exec(`
+          CREATE TABLE IF NOT EXISTS bill_merchant_rules (
+            id INTEGER PRIMARY KEY AUTOINCREMENT,
+            user_id INTEGER NOT NULL REFERENCES users(id) ON DELETE CASCADE,
+            bill_id INTEGER NOT NULL REFERENCES bills(id) ON DELETE CASCADE,
+            merchant TEXT NOT NULL,
+            created_at TEXT NOT NULL DEFAULT (datetime('now')),
+            UNIQUE(user_id, bill_id, merchant)
+          );
+          CREATE INDEX IF NOT EXISTS idx_bill_merchant_rules_user
+            ON bill_merchant_rules(user_id);
+        `);
+      }
     }
   ];
 
@@ -2167,6 +2188,25 @@ function runMigrations() {
             ON declined_subscription_hints(user_id);
         `);
       }
+    },
+    {
+      version: 'v0.67',
+      description: 'bill_merchant_rules: persistent merchant→bill auto-match rules',
+      dependsOn: ['v0.66'],
+      run: function() {
+        db.exec(`
+          CREATE TABLE IF NOT EXISTS bill_merchant_rules (
+            id INTEGER PRIMARY KEY AUTOINCREMENT,
+            user_id INTEGER NOT NULL REFERENCES users(id) ON DELETE CASCADE,
+            bill_id INTEGER NOT NULL REFERENCES bills(id) ON DELETE CASCADE,
+            merchant TEXT NOT NULL,
+            created_at TEXT NOT NULL DEFAULT (datetime('now')),
+            UNIQUE(user_id, bill_id, merchant)
+          );
+          CREATE INDEX IF NOT EXISTS idx_bill_merchant_rules_user
+            ON bill_merchant_rules(user_id);
+        `);
+      }
     }
   ];
 

package.json

@@ -1,6 +1,6 @@
 {
   "name": "bill-tracker",
-  "version": "0.33.5",
+  "version": "0.33.6",
   "description": "Monthly bill tracking system",
   "main": "server.js",
   "scripts": {

routes/subscriptions.js

@@ -10,6 +10,7 @@ const {
   getSubscriptionSummary,
   getSubscriptions,
 } = require('../services/subscriptionService');
+const { addMerchantRule, applyMerchantRules } = require('../services/billMerchantRuleService');
 
 router.get('/', (req, res) => {
   const db = getDb();
@@ -41,6 +42,46 @@ router.post('/recommendations/decline', (req, res) => {
   }
 });
 
+// POST /api/subscriptions/recommendations/match-bill
+// Link an existing bill to all transactions in a recommendation (no new bill created).
+router.post('/recommendations/match-bill', (req, res) => {
+  const billId = parseInt(req.body?.bill_id, 10);
+  const rawIds = Array.isArray(req.body?.transaction_ids) ? req.body.transaction_ids : [];
+  const txIds  = rawIds.map(id => parseInt(id, 10)).filter(n => Number.isInteger(n) && n > 0).slice(0, 50);
+
+  if (!Number.isInteger(billId) || billId < 1) {
+    return res.status(400).json(standardizeError('bill_id is required', 'VALIDATION_ERROR', 'bill_id'));
+  }
+  if (txIds.length === 0) {
+    return res.status(400).json(standardizeError('transaction_ids must be a non-empty array', 'VALIDATION_ERROR', 'transaction_ids'));
+  }
+
+  const db = getDb();
+  const bill = db.prepare('SELECT id, name FROM bills WHERE id = ? AND user_id = ? AND deleted_at IS NULL').get(billId, req.user.id);
+  if (!bill) return res.status(404).json(standardizeError('Bill not found', 'NOT_FOUND', 'bill_id'));
+
+  const update = db.prepare(`
+    UPDATE transactions
+    SET matched_bill_id = ?, match_status = 'matched', updated_at = CURRENT_TIMESTAMP
+    WHERE id = ? AND user_id = ? AND ignored = 0 AND match_status != 'matched'
+  `);
+  let matchedCount = 0;
+  db.transaction(() => {
+    for (const id of txIds) {
+      matchedCount += update.run(billId, id, req.user.id).changes;
+    }
+  })();
+
+  // Store merchant rule for ongoing auto-matching on future syncs
+  const merchant = typeof req.body?.merchant === 'string' ? req.body.merchant.trim() : '';
+  if (merchant) addMerchantRule(db, req.user.id, billId, merchant);
+
+  // Apply rules immediately to catch any unmatched transactions beyond the explicit list
+  const { matched: autoMatched } = applyMerchantRules(db, req.user.id);
+
+  res.json({ ok: true, matched_count: matchedCount + autoMatched, bill_name: bill.name });
+});
+
 router.post('/recommendations/create', (req, res) => {
   const db = getDb();
   ensureUserDefaultCategories(req.user.id);
@@ -55,6 +96,8 @@ router.post('/recommendations/create', (req, res) => {
   }
   try {
     const created = createSubscriptionFromRecommendation(db, req.user.id, req.body || {});
+    // Store merchant rule so future SimpleFIN transactions auto-match this bill
+    if (req.body?.merchant) addMerchantRule(db, req.user.id, created.id, req.body.merchant);
     res.status(201).json(created);
   } catch (err) {
     res.status(err.status || 400).json(standardizeError(err.message || 'Could not create subscription', err.status ? 'VALIDATION_ERROR' : 'SUBSCRIPTION_CREATE_ERROR', err.field || null));

services/bankSyncService.js

@@ -10,6 +10,7 @@ const {
 } = require('./simplefinService');
 const { getBankSyncConfig } = require('./bankSyncConfigService');
 const { decorateDataSource } = require('./transactionService');
+const { applyMerchantRules } = require('./billMerchantRuleService');
 
 function sinceEpoch() {
   const { sync_days } = getBankSyncConfig();
@@ -118,7 +119,10 @@ async function runSync(db, userId, dataSource) {
     WHERE id = ? AND user_id = ?
   `).run(partialError, dataSource.id, userId);
 
-  return { accountsUpserted, transactionsNew, transactionsSkip, errlist: raw._errlistSummary || null };
+  // Apply any stored merchant→bill rules to newly synced transactions
+  const { matched: autoMatched } = applyMerchantRules(db, userId);
+
+  return { accountsUpserted, transactionsNew, transactionsSkip, autoMatched, errlist: raw._errlistSummary || null };
 }
 
 // ─── Public API ───────────────────────────────────────────────────────────────

services/billMerchantRuleService.js

@@ -0,0 +1,84 @@
+'use strict';
+
+const { normalizeMerchant } = require('./subscriptionService');
+
+// Persist a merchant→bill rule so future synced transactions auto-match.
+function addMerchantRule(db, userId, billId, merchant) {
+  const normalized = normalizeMerchant(merchant);
+  if (!normalized || normalized.length < 3) return;
+  try {
+    db.prepare(`
+      INSERT INTO bill_merchant_rules (user_id, bill_id, merchant)
+      VALUES (?, ?, ?)
+      ON CONFLICT(user_id, bill_id, merchant) DO NOTHING
+    `).run(userId, billId, normalized);
+  } catch {
+    // Table may not exist yet on legacy DBs — safe to skip
+  }
+}
+
+// Scan all unmatched negative transactions for this user, apply any stored
+// merchant rules, create payments, and mark the transactions matched.
+// Returns { matched: number }.
+function applyMerchantRules(db, userId) {
+  let rules;
+  try {
+    rules = db.prepare(`
+      SELECT bmr.bill_id, bmr.merchant
+      FROM bill_merchant_rules bmr
+      JOIN bills b ON b.id = bmr.bill_id AND b.user_id = bmr.user_id AND b.deleted_at IS NULL
+      WHERE bmr.user_id = ?
+    `).all(userId);
+  } catch {
+    return { matched: 0 };
+  }
+
+  if (rules.length === 0) return { matched: 0 };
+
+  const txRows = db.prepare(`
+    SELECT id, amount, payee, description, memo, posted_date, transacted_at
+    FROM transactions
+    WHERE user_id = ?
+      AND match_status = 'unmatched'
+      AND ignored = 0
+      AND amount < 0
+  `).all(userId);
+
+  if (txRows.length === 0) return { matched: 0 };
+
+  const insertPayment = db.prepare(`
+    INSERT OR IGNORE INTO payments (bill_id, amount, paid_date, payment_source, transaction_id)
+    VALUES (?, ?, ?, 'auto_match', ?)
+  `);
+  const updateTx = db.prepare(`
+    UPDATE transactions
+    SET matched_bill_id = ?, match_status = 'matched', updated_at = datetime('now')
+    WHERE id = ? AND user_id = ? AND match_status = 'unmatched'
+  `);
+
+  let matched = 0;
+
+  db.transaction(() => {
+    for (const tx of txRows) {
+      const txMerchant = normalizeMerchant(tx.payee || tx.description || tx.memo || '');
+      if (!txMerchant) continue;
+
+      const rule = rules.find(r =>
+        txMerchant.includes(r.merchant) || r.merchant.includes(txMerchant)
+      );
+      if (!rule) continue;
+
+      const paidDate = tx.posted_date || (tx.transacted_at ? String(tx.transacted_at).slice(0, 10) : null);
+      if (!paidDate) continue;
+
+      const amount = Math.round(Math.abs(tx.amount)) / 100;
+      insertPayment.run(rule.bill_id, amount, paidDate, tx.id);
+      updateTx.run(rule.bill_id, tx.id, userId);
+      matched++;
+    }
+  })();
+
+  return { matched };
+}
+
+module.exports = { addMerchantRule, applyMerchantRules };

services/subscriptionService.js

@@ -427,4 +427,5 @@ module.exports = {
   lookupCatalog,
   loadCatalog,
   monthlyEquivalent,
+  normalizeMerchant,
 };