From 5e6529b36fadd5d9a284af281717ef55ee692c17 Mon Sep 17 00:00:00 2001
From: Tyler Karaszewski <tyler@tylerkaraszewski.com>
Date: Wed, 17 Dec 2025 18:23:41 -0800
Subject: [PATCH] Revert "Early return in isPayer function when policy does not
 exist"

---
 src/libs/ReportUtils.ts  | 17 +++++------------
 src/libs/actions/IOU.ts  |  5 +++++
 tests/actions/IOUTest.ts | 16 ++++++++++++++++
 3 files changed, 26 insertions(+), 12 deletions(-)

diff --git a/src/libs/ReportUtils.ts b/src/libs/ReportUtils.ts
index 9de3de0196af5..6e85b52ef1734 100644
--- a/src/libs/ReportUtils.ts
+++ b/src/libs/ReportUtils.ts
@@ -2678,26 +2678,19 @@ function isOneOnOneChat(report: OnyxEntry<Report>): boolean {
 
 function isPayer(session: OnyxEntry<Session>, iouReport: OnyxEntry<Report>, onlyShowPayElsewhere = false, reportPolicy?: OnyxInputOrEntry<Policy>) {
     const policy = reportPolicy ?? allPolicies?.[`${ONYXKEYS.COLLECTION.POLICY}${iouReport?.policyID}`] ?? null;
-
-    if (!policy) {
-        Log.warn('Missing policy during isPayer check');
-
-        return false;
-    }
-
-    const policyType = policy.type;
-    const isAdmin = policyType !== CONST.POLICY.TYPE.PERSONAL && policy.role === CONST.POLICY.ROLE.ADMIN;
+    const policyType = policy?.type;
+    const isAdmin = policyType !== CONST.POLICY.TYPE.PERSONAL && policy?.role === CONST.POLICY.ROLE.ADMIN;
     const isManager = iouReport?.managerID === session?.accountID;
-    const reimbursementChoice = policy.reimbursementChoice;
+    const reimbursementChoice = policy?.reimbursementChoice;
 
     if (isPaidGroupPolicy(iouReport)) {
         if (reimbursementChoice === CONST.POLICY.REIMBURSEMENT_CHOICES.REIMBURSEMENT_YES) {
-            if (!policy.achAccount?.reimburser) {
+            if (!policy?.achAccount?.reimburser) {
                 return isAdmin;
             }
 
             // If we are the reimburser and the report is approved or we are the manager then we can pay it.
-            const isReimburser = session?.email === policy.achAccount?.reimburser;
+            const isReimburser = session?.email === policy?.achAccount?.reimburser;
             return isReimburser;
         }
         if (reimbursementChoice === CONST.POLICY.REIMBURSEMENT_CHOICES.REIMBURSEMENT_MANUAL || onlyShowPayElsewhere) {
diff --git a/src/libs/actions/IOU.ts b/src/libs/actions/IOU.ts
index f7a8c5c979552..fd11c989c5011 100644
--- a/src/libs/actions/IOU.ts
+++ b/src/libs/actions/IOU.ts
@@ -10851,6 +10851,10 @@ function canIOUBePaid(
     );
 }
 
+function canCancelPayment(iouReport: OnyxEntry<OnyxTypes.Report>, session: OnyxEntry<OnyxTypes.Session>) {
+    return isPayerReportUtils(session, iouReport) && (isSettled(iouReport) || iouReport?.isWaitingOnBankAccount) && isExpenseReport(iouReport);
+}
+
 function canSubmitReport(
     report: OnyxEntry<OnyxTypes.Report>,
     policy: OnyxEntry<OnyxTypes.Policy>,
@@ -15333,6 +15337,7 @@ export {
     canUnapproveIOU,
     cancelPayment,
     canIOUBePaid,
+    canCancelPayment,
     cleanUpMoneyRequest,
     clearMoneyRequest,
     completeSplitBill,
diff --git a/tests/actions/IOUTest.ts b/tests/actions/IOUTest.ts
index 1f3fb2e94e3d5..ecfd374df0fff 100644
--- a/tests/actions/IOUTest.ts
+++ b/tests/actions/IOUTest.ts
@@ -16,6 +16,7 @@ import {
     approveMoneyRequest,
     calculateDiffAmount,
     canApproveIOU,
+    canCancelPayment,
     cancelPayment,
     canIOUBePaid,
     canUnapproveIOU,
@@ -7000,6 +7001,21 @@ describe('actions/IOU', () => {
         });
     });
 
+    describe('canCancelPayment', () => {
+        it('should return true if the report is waiting for a bank account', () => {
+            const fakeReport: Report = {
+                ...createRandomReport(1, undefined),
+                type: CONST.REPORT.TYPE.EXPENSE,
+                policyID: 'A',
+                stateNum: CONST.REPORT.STATE_NUM.APPROVED,
+                statusNum: CONST.REPORT.STATUS_NUM.APPROVED,
+                isWaitingOnBankAccount: true,
+                managerID: RORY_ACCOUNT_ID,
+            };
+            expect(canCancelPayment(fakeReport, {accountID: RORY_ACCOUNT_ID})).toBeTruthy();
+        });
+    });
+
     describe('canIOUBePaid', () => {
         it('should return false if the report has negative total and onlyShowPayElsewhere is false', async () => {
             const policyChat = createRandomReport(1, CONST.REPORT.CHAT_TYPE.POLICY_EXPENSE_CHAT);