@aglyn/plugins-commerce 1.0.0-beta.230 → 1.0.0-beta.231

package/src/lib/model/commerce-payment-methods.js

@@ -0,0 +1,247 @@
+/**
+ * @license
+ * Copyright 2026 Aglyn LLC
+ *
+ * Licensed under the Apache License, Version 2.0 (the "License");
+ * you may not use this file except in compliance with the License.
+ * You may obtain a copy of the License at
+ *
+ *   http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing, software
+ * distributed under the License is distributed on an "AS IS" BASIS,
+ * WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
+ * See the License for the specific language governing permissions and
+ * limitations under the License.
+ */ /**
+ * The storefront payment methods a merchant chooses between (AGL-3629).
+ *
+ * ## Who decides what a shopper sees
+ *
+ * Every storefront charge is a DESTINATION charge with no `on_behalf_of`, so
+ * the PLATFORM is the merchant of record and Stripe offers the methods the
+ * platform's payment method configuration turns on ("dynamic payment
+ * methods"), filtered by currency, amount, the shopper's country and device.
+ * No session pins `payment_method_types`. A merchant therefore cannot ADD a
+ * method the platform does not offer — they can only take one away, and that
+ * is what the two levers below do:
+ *
+ *   - `excluded_payment_method_types` on the Checkout Session, for every method
+ *     Stripe lets a session exclude. Measured accepted at both the account
+ *     default API version and the native checkout's pinned dahlia version, so
+ *     it applies to the in-page checkout AND the hosted Stripe page alike.
+ *   - The Payment Element's `wallets` option for Apple Pay, Google Pay and
+ *     Link, which Stripe documents as NOT excludable per session. Link is also
+ *     hidden on the session with `wallet_options[link][display]=never`, which
+ *     reaches the hosted page; Apple Pay and Google Pay on a hosted Stripe page
+ *     follow the device and cannot be hidden per merchant.
+ *
+ * ## Why toggling a method never moves a fee
+ *
+ * `application_fee_amount` is priced against the dearest method the platform
+ * could offer (`SALE_PROCESSING_PERCENT`, the BNPL rate), because the shopper
+ * picks how to pay after the fee is fixed. Every method here costs Stripe that
+ * much or less, so turning one off or on changes what a shopper may choose and
+ * never what the platform recovers.
+ */ /** A method the merchant may switch off (or, for crypto, on). */ /**
+ * The catalog, in the order the settings card lists it. Limits are Stripe's
+ * published US figures (docs.stripe.com/payments/buy-now-pay-later and each
+ * method's page, read 2026-10-07); Stripe applies them itself, and they are
+ * here so a merchant can read why a method did not appear on an order.
+ */ export const STOREFRONT_PAYMENT_METHODS = [
+    {
+        id: 'apple_pay',
+        label: 'Apple Pay',
+        kind: 'wallet',
+        control: 'wallet',
+        defaultOn: true,
+        configurationKey: 'apple_pay',
+        requirements: 'Safari on a Mac, iPhone or iPad with a card in Apple Wallet. Your site’s domain is registered with Apple Pay for you.',
+        limits: 'Same as cards.',
+        subscriptions: true,
+        needsDomain: true
+    },
+    {
+        id: 'google_pay',
+        label: 'Google Pay',
+        kind: 'wallet',
+        control: 'wallet',
+        defaultOn: true,
+        configurationKey: 'google_pay',
+        requirements: 'Chrome or an Android device with a card saved to Google Pay. With Stripe Tax on, Google Pay shows when the checkout collects a shipping address.',
+        limits: 'Same as cards.',
+        subscriptions: true,
+        needsDomain: true
+    },
+    {
+        id: 'link',
+        label: 'Link',
+        kind: 'wallet',
+        control: 'wallet',
+        defaultOn: true,
+        configurationKey: 'link',
+        requirements: 'Shoppers who saved a card or bank with Link check out in one step.',
+        limits: 'Same as cards.',
+        subscriptions: true,
+        needsDomain: true
+    },
+    {
+        id: 'klarna',
+        label: 'Klarna',
+        kind: 'bnpl',
+        control: 'exclude',
+        defaultOn: true,
+        capability: 'klarna_payments',
+        configurationKey: 'klarna',
+        requirements: 'US shoppers paying in USD. Pay in full, in 30 days, in 4, or monthly financing.',
+        limits: 'From $10; the highest amount depends on the shopper (financing up to $10,000).',
+        minCents: 1000,
+        subscriptions: true,
+        needsDomain: false
+    },
+    {
+        id: 'afterpay_clearpay',
+        label: 'Afterpay',
+        kind: 'bnpl',
+        control: 'exclude',
+        defaultOn: true,
+        capability: 'afterpay_clearpay_payments',
+        configurationKey: 'afterpay_clearpay',
+        requirements: 'US shoppers paying in USD. Pay in 4 interest-free installments.',
+        limits: '$1 to $4,000. One-time purchases only.',
+        minCents: 100,
+        maxCents: 400000,
+        subscriptions: false,
+        needsDomain: false
+    },
+    {
+        id: 'affirm',
+        label: 'Affirm',
+        kind: 'bnpl',
+        control: 'exclude',
+        defaultOn: true,
+        capability: 'affirm_payments',
+        configurationKey: 'affirm',
+        requirements: 'US shoppers paying in USD. Pay in 4, or monthly installments up to 36 months.',
+        limits: '$50 to $30,000. One-time purchases only.',
+        minCents: 5000,
+        maxCents: 3000000,
+        subscriptions: false,
+        needsDomain: false
+    },
+    {
+        id: 'cashapp',
+        label: 'Cash App Pay',
+        kind: 'wallet',
+        control: 'exclude',
+        defaultOn: true,
+        capability: 'cashapp_payments',
+        configurationKey: 'cashapp',
+        requirements: 'US shoppers with Cash App, paying in USD.',
+        limits: 'USD only.',
+        subscriptions: true,
+        needsDomain: false
+    },
+    {
+        id: 'amazon_pay',
+        label: 'Amazon Pay',
+        kind: 'wallet',
+        control: 'exclude',
+        defaultOn: true,
+        capability: 'amazon_pay_payments',
+        configurationKey: 'amazon_pay',
+        requirements: 'Shoppers pay with the card and address saved to their Amazon account.',
+        limits: 'USD only.',
+        subscriptions: true,
+        needsDomain: true
+    },
+    {
+        id: 'crypto',
+        label: 'Stablecoins (crypto)',
+        kind: 'crypto',
+        control: 'exclude',
+        defaultOn: false,
+        capability: 'crypto_payments',
+        configurationKey: 'crypto',
+        requirements: 'Shoppers pay in USDC or another supported stablecoin from their crypto wallet; you are paid in USD. Refunds go back to the shopper’s wallet as stablecoins, and these payments cannot be disputed.',
+        limits: 'USD only, up to $10,000 per payment.',
+        maxCents: 1000000,
+        subscriptions: true,
+        needsDomain: false
+    }
+];
+export const STOREFRONT_PAYMENT_METHOD_IDS = STOREFRONT_PAYMENT_METHODS.map((method)=>method.id);
+export function storefrontPaymentMethodSpec(id) {
+    return STOREFRONT_PAYMENT_METHODS.find((method)=>method.id === id);
+}
+/**
+ * Keep only booleans under known ids. The settings document is written by the
+ * console, so anything else on it — a string, a removed method, a typo — is
+ * read as "never chosen" rather than trusted.
+ */ export function normalizeStorefrontPaymentMethodSettings(raw) {
+    const out = {};
+    if (!raw || typeof raw !== 'object') return out;
+    for (const id of STOREFRONT_PAYMENT_METHOD_IDS){
+        const value = raw[id];
+        if (typeof value === 'boolean') out[id] = value;
+    }
+    return out;
+}
+/** Whether the merchant offers a method: their choice, else its default. */ export function isStorefrontPaymentMethodOn(settings, id) {
+    var _ref;
+    var _storefrontPaymentMethodSpec;
+    const chosen = settings == null ? void 0 : settings[id];
+    if (typeof chosen === 'boolean') return chosen;
+    return (_ref = (_storefrontPaymentMethodSpec = storefrontPaymentMethodSpec(id)) == null ? void 0 : _storefrontPaymentMethodSpec.defaultOn) != null ? _ref : false;
+}
+/**
+ * What one checkout session sends Stripe for the merchant's choices.
+ *
+ * A method the merchant left on is NOT added anywhere: dynamic payment methods
+ * already offer it when the platform does and the order qualifies. Only the
+ * methods turned off are named, which is why a merchant who never opened the
+ * card produces the same session as before AGL-3629 — except crypto, which is
+ * excluded until chosen, and was never offered by the platform before either.
+ */ export function resolveStorefrontPaymentMethodControls(settings) {
+    const excluded = STOREFRONT_PAYMENT_METHODS.filter((method)=>method.control === 'exclude' && !isStorefrontPaymentMethodOn(settings, method.id)).map((method)=>method.id);
+    const display = (id)=>isStorefrontPaymentMethodOn(settings, id) ? 'auto' : 'never';
+    return {
+        excluded,
+        wallets: {
+            applePay: display('apple_pay'),
+            googlePay: display('google_pay'),
+            link: display('link')
+        }
+    };
+}
+/**
+ * Write the controls onto a Checkout Session param set. Leaves the params
+ * untouched when the merchant hid nothing, so a store with default settings —
+ * apart from the crypto opt-in — sends what it always sent.
+ */ export function appendStorefrontPaymentMethodParams(params, controls) {
+    controls.excluded.forEach((id, index)=>{
+        params.set(`excluded_payment_method_types[${index}]`, id);
+    });
+    if (controls.wallets.link === 'never') {
+        params.set('wallet_options[link][display]', 'never');
+    }
+}
+/** True when the browser has to be told about a hidden wallet at all. */ export function storefrontWalletsHideAny(wallets) {
+    return wallets.applePay === 'never' || wallets.googlePay === 'never' || wallets.link === 'never';
+}
+/**
+ * The `wallets` a checkout response carries, as the browser reads it. Anything
+ * that is not exactly `'auto'` or `'never'` is dropped, so a malformed or old
+ * response shows every wallet rather than breaking the payment form.
+ */ export function readStorefrontCheckoutWallets(raw) {
+    if (!raw || typeof raw !== 'object') return undefined;
+    const value = (key)=>raw[key] === 'never' ? 'never' : 'auto';
+    const wallets = {
+        applePay: value('applePay'),
+        googlePay: value('googlePay'),
+        link: value('link')
+    };
+    return storefrontWalletsHideAny(wallets) ? wallets : undefined;
+}
+
+//# sourceMappingURL=commerce-payment-methods.js.map

package/src/lib/model/commerce-payment-methods.js.map

@@ -0,0 +1 @@
+{"version":3,"sources":["../../../../../../../libs/plugins/commerce/src/lib/model/commerce-payment-methods.ts"],"sourcesContent":["/**\n * @license\n * Copyright 2026 Aglyn LLC\n *\n * Licensed under the Apache License, Version 2.0 (the \"License\");\n * you may not use this file except in compliance with the License.\n * You may obtain a copy of the License at\n *\n *   http://www.apache.org/licenses/LICENSE-2.0\n *\n * Unless required by applicable law or agreed to in writing, software\n * distributed under the License is distributed on an \"AS IS\" BASIS,\n * WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.\n * See the License for the specific language governing permissions and\n * limitations under the License.\n */\n\n/**\n * The storefront payment methods a merchant chooses between (AGL-3629).\n *\n * ## Who decides what a shopper sees\n *\n * Every storefront charge is a DESTINATION charge with no `on_behalf_of`, so\n * the PLATFORM is the merchant of record and Stripe offers the methods the\n * platform's payment method configuration turns on (\"dynamic payment\n * methods\"), filtered by currency, amount, the shopper's country and device.\n * No session pins `payment_method_types`. A merchant therefore cannot ADD a\n * method the platform does not offer — they can only take one away, and that\n * is what the two levers below do:\n *\n *   - `excluded_payment_method_types` on the Checkout Session, for every method\n *     Stripe lets a session exclude. Measured accepted at both the account\n *     default API version and the native checkout's pinned dahlia version, so\n *     it applies to the in-page checkout AND the hosted Stripe page alike.\n *   - The Payment Element's `wallets` option for Apple Pay, Google Pay and\n *     Link, which Stripe documents as NOT excludable per session. Link is also\n *     hidden on the session with `wallet_options[link][display]=never`, which\n *     reaches the hosted page; Apple Pay and Google Pay on a hosted Stripe page\n *     follow the device and cannot be hidden per merchant.\n *\n * ## Why toggling a method never moves a fee\n *\n * `application_fee_amount` is priced against the dearest method the platform\n * could offer (`SALE_PROCESSING_PERCENT`, the BNPL rate), because the shopper\n * picks how to pay after the fee is fixed. Every method here costs Stripe that\n * much or less, so turning one off or on changes what a shopper may choose and\n * never what the platform recovers.\n */\n\n/** A method the merchant may switch off (or, for crypto, on). */\nexport type StorefrontPaymentMethodId =\n  | 'apple_pay'\n  | 'google_pay'\n  | 'link'\n  | 'klarna'\n  | 'afterpay_clearpay'\n  | 'affirm'\n  | 'cashapp'\n  | 'amazon_pay'\n  | 'crypto'\n\nexport type StorefrontPaymentMethodKind = 'wallet' | 'bnpl' | 'crypto'\n\n/** How a toggle reaches Stripe. */\nexport type StorefrontPaymentMethodControl =\n  /** The Payment Element's `wallets` option (and, for Link, the session). */\n  | 'wallet'\n  /** `excluded_payment_method_types` on the Checkout Session. */\n  | 'exclude'\n\nexport interface StorefrontPaymentMethodSpec {\n  id: StorefrontPaymentMethodId\n  label: string\n  kind: StorefrontPaymentMethodKind\n  control: StorefrontPaymentMethodControl\n  /**\n   * On when the merchant has never chosen. Every method that was already\n   * reaching shoppers before AGL-3629 defaults on, so saving nothing changes\n   * nothing; crypto, which settles differently and cannot be disputed,\n   * defaults off and is the merchant's to opt into.\n   */\n  defaultOn: boolean\n  /**\n   * The connected-account capability Stripe asks platforms to request before\n   * the method is accepted for that account. Absent for the card wallets,\n   * which ride `card_payments`.\n   */\n  capability?: string\n  /** The platform payment method configuration's key for this method. */\n  configurationKey: string\n  /** What a shopper needs, in a sentence the settings card shows. */\n  requirements: string\n  /** Amount and currency limits, as Stripe publishes them for US accounts. */\n  limits: string\n  /** Lowest charge Stripe offers it for, in USD cents, when published. */\n  minCents?: number\n  /** Highest charge Stripe offers it for, in USD cents, when published. */\n  maxCents?: number\n  /** False where Stripe does not offer it in a subscription-mode session. */\n  subscriptions: boolean\n  /** Shown on a registered domain only (Apple Pay must be; the rest benefit). */\n  needsDomain: boolean\n}\n\n/**\n * The catalog, in the order the settings card lists it. Limits are Stripe's\n * published US figures (docs.stripe.com/payments/buy-now-pay-later and each\n * method's page, read 2026-10-07); Stripe applies them itself, and they are\n * here so a merchant can read why a method did not appear on an order.\n */\nexport const STOREFRONT_PAYMENT_METHODS: readonly StorefrontPaymentMethodSpec[] = [\n  {\n    id: 'apple_pay',\n    label: 'Apple Pay',\n    kind: 'wallet',\n    control: 'wallet',\n    defaultOn: true,\n    configurationKey: 'apple_pay',\n    requirements:\n      'Safari on a Mac, iPhone or iPad with a card in Apple Wallet. Your site’s domain is registered with Apple Pay for you.',\n    limits: 'Same as cards.',\n    subscriptions: true,\n    needsDomain: true,\n  },\n  {\n    id: 'google_pay',\n    label: 'Google Pay',\n    kind: 'wallet',\n    control: 'wallet',\n    defaultOn: true,\n    configurationKey: 'google_pay',\n    requirements:\n      'Chrome or an Android device with a card saved to Google Pay. With Stripe Tax on, Google Pay shows when the checkout collects a shipping address.',\n    limits: 'Same as cards.',\n    subscriptions: true,\n    needsDomain: true,\n  },\n  {\n    id: 'link',\n    label: 'Link',\n    kind: 'wallet',\n    control: 'wallet',\n    defaultOn: true,\n    configurationKey: 'link',\n    requirements: 'Shoppers who saved a card or bank with Link check out in one step.',\n    limits: 'Same as cards.',\n    subscriptions: true,\n    needsDomain: true,\n  },\n  {\n    id: 'klarna',\n    label: 'Klarna',\n    kind: 'bnpl',\n    control: 'exclude',\n    defaultOn: true,\n    capability: 'klarna_payments',\n    configurationKey: 'klarna',\n    requirements:\n      'US shoppers paying in USD. Pay in full, in 30 days, in 4, or monthly financing.',\n    limits: 'From $10; the highest amount depends on the shopper (financing up to $10,000).',\n    minCents: 1000,\n    subscriptions: true,\n    needsDomain: false,\n  },\n  {\n    id: 'afterpay_clearpay',\n    label: 'Afterpay',\n    kind: 'bnpl',\n    control: 'exclude',\n    defaultOn: true,\n    capability: 'afterpay_clearpay_payments',\n    configurationKey: 'afterpay_clearpay',\n    requirements: 'US shoppers paying in USD. Pay in 4 interest-free installments.',\n    limits: '$1 to $4,000. One-time purchases only.',\n    minCents: 100,\n    maxCents: 400_000,\n    subscriptions: false,\n    needsDomain: false,\n  },\n  {\n    id: 'affirm',\n    label: 'Affirm',\n    kind: 'bnpl',\n    control: 'exclude',\n    defaultOn: true,\n    capability: 'affirm_payments',\n    configurationKey: 'affirm',\n    requirements:\n      'US shoppers paying in USD. Pay in 4, or monthly installments up to 36 months.',\n    limits: '$50 to $30,000. One-time purchases only.',\n    minCents: 5_000,\n    maxCents: 3_000_000,\n    subscriptions: false,\n    needsDomain: false,\n  },\n  {\n    id: 'cashapp',\n    label: 'Cash App Pay',\n    kind: 'wallet',\n    control: 'exclude',\n    defaultOn: true,\n    capability: 'cashapp_payments',\n    configurationKey: 'cashapp',\n    requirements: 'US shoppers with Cash App, paying in USD.',\n    limits: 'USD only.',\n    subscriptions: true,\n    needsDomain: false,\n  },\n  {\n    id: 'amazon_pay',\n    label: 'Amazon Pay',\n    kind: 'wallet',\n    control: 'exclude',\n    defaultOn: true,\n    capability: 'amazon_pay_payments',\n    configurationKey: 'amazon_pay',\n    requirements: 'Shoppers pay with the card and address saved to their Amazon account.',\n    limits: 'USD only.',\n    subscriptions: true,\n    needsDomain: true,\n  },\n  {\n    id: 'crypto',\n    label: 'Stablecoins (crypto)',\n    kind: 'crypto',\n    control: 'exclude',\n    defaultOn: false,\n    capability: 'crypto_payments',\n    configurationKey: 'crypto',\n    requirements:\n      'Shoppers pay in USDC or another supported stablecoin from their crypto wallet; you are paid in USD. Refunds go back to the shopper’s wallet as stablecoins, and these payments cannot be disputed.',\n    limits: 'USD only, up to $10,000 per payment.',\n    maxCents: 1_000_000,\n    subscriptions: true,\n    needsDomain: false,\n  },\n]\n\n/** The merchant's choices, as stored on `hosts/{hostId}/settings/store`. */\nexport type StorefrontPaymentMethodSettings = Partial<\n  Record<StorefrontPaymentMethodId, boolean>\n>\n\nexport const STOREFRONT_PAYMENT_METHOD_IDS: readonly StorefrontPaymentMethodId[] =\n  STOREFRONT_PAYMENT_METHODS.map((method) => method.id)\n\nexport function storefrontPaymentMethodSpec(\n  id: string,\n): StorefrontPaymentMethodSpec | undefined {\n  return STOREFRONT_PAYMENT_METHODS.find((method) => method.id === id)\n}\n\n/**\n * Keep only booleans under known ids. The settings document is written by the\n * console, so anything else on it — a string, a removed method, a typo — is\n * read as \"never chosen\" rather than trusted.\n */\nexport function normalizeStorefrontPaymentMethodSettings(\n  raw: unknown,\n): StorefrontPaymentMethodSettings {\n  const out: StorefrontPaymentMethodSettings = {}\n  if (!raw || typeof raw !== 'object') return out\n  for (const id of STOREFRONT_PAYMENT_METHOD_IDS) {\n    const value = (raw as Record<string, unknown>)[id]\n    if (typeof value === 'boolean') out[id] = value\n  }\n  return out\n}\n\n/** Whether the merchant offers a method: their choice, else its default. */\nexport function isStorefrontPaymentMethodOn(\n  settings: StorefrontPaymentMethodSettings | null | undefined,\n  id: StorefrontPaymentMethodId,\n): boolean {\n  const chosen = settings?.[id]\n  if (typeof chosen === 'boolean') return chosen\n  return storefrontPaymentMethodSpec(id)?.defaultOn ?? false\n}\n\n/** `auto` lets Stripe decide from the device; `never` hides the wallet. */\nexport type StorefrontWalletDisplay = 'auto' | 'never'\n\n/** The Payment Element's `wallets` option, as the browser receives it. */\nexport interface StorefrontCheckoutWallets {\n  applePay: StorefrontWalletDisplay\n  googlePay: StorefrontWalletDisplay\n  link: StorefrontWalletDisplay\n}\n\nexport interface StorefrontPaymentMethodControls {\n  /** Sent as `excluded_payment_method_types[n]`, in catalog order. */\n  excluded: StorefrontPaymentMethodId[]\n  /** Handed to the Payment Element. */\n  wallets: StorefrontCheckoutWallets\n}\n\n/**\n * What one checkout session sends Stripe for the merchant's choices.\n *\n * A method the merchant left on is NOT added anywhere: dynamic payment methods\n * already offer it when the platform does and the order qualifies. Only the\n * methods turned off are named, which is why a merchant who never opened the\n * card produces the same session as before AGL-3629 — except crypto, which is\n * excluded until chosen, and was never offered by the platform before either.\n */\nexport function resolveStorefrontPaymentMethodControls(\n  settings: StorefrontPaymentMethodSettings | null | undefined,\n): StorefrontPaymentMethodControls {\n  const excluded = STOREFRONT_PAYMENT_METHODS.filter(\n    (method) =>\n      method.control === 'exclude' && !isStorefrontPaymentMethodOn(settings, method.id),\n  ).map((method) => method.id)\n  const display = (id: StorefrontPaymentMethodId): StorefrontWalletDisplay =>\n    isStorefrontPaymentMethodOn(settings, id) ? 'auto' : 'never'\n  return {\n    excluded,\n    wallets: {\n      applePay: display('apple_pay'),\n      googlePay: display('google_pay'),\n      link: display('link'),\n    },\n  }\n}\n\n/**\n * Write the controls onto a Checkout Session param set. Leaves the params\n * untouched when the merchant hid nothing, so a store with default settings —\n * apart from the crypto opt-in — sends what it always sent.\n */\nexport function appendStorefrontPaymentMethodParams(\n  params: URLSearchParams,\n  controls: StorefrontPaymentMethodControls,\n): void {\n  controls.excluded.forEach((id, index) => {\n    params.set(`excluded_payment_method_types[${index}]`, id)\n  })\n  if (controls.wallets.link === 'never') {\n    params.set('wallet_options[link][display]', 'never')\n  }\n}\n\n/** True when the browser has to be told about a hidden wallet at all. */\nexport function storefrontWalletsHideAny(wallets: StorefrontCheckoutWallets): boolean {\n  return (\n    wallets.applePay === 'never' ||\n    wallets.googlePay === 'never' ||\n    wallets.link === 'never'\n  )\n}\n\n/**\n * The `wallets` a checkout response carries, as the browser reads it. Anything\n * that is not exactly `'auto'` or `'never'` is dropped, so a malformed or old\n * response shows every wallet rather than breaking the payment form.\n */\nexport function readStorefrontCheckoutWallets(\n  raw: unknown,\n): StorefrontCheckoutWallets | undefined {\n  if (!raw || typeof raw !== 'object') return undefined\n  const value = (key: string): StorefrontWalletDisplay =>\n    (raw as Record<string, unknown>)[key] === 'never' ? 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