@amos.com/amos-js 0.10.0 → 0.10.1

package/README.md

@@ -298,16 +298,16 @@ When the charge meets the merchant’s ACH verification threshold, the SDK hides
 
 **Additional `options` (ACH verification):**
 
-- `amount` (`string`, major-currency decimal, e.g. `"50.00"`) — same format as Google Pay / Apple Pay. Compared to the threshold the iframe fetches (cents). Omit to always Connect once a threshold exists (setup-intent save, or when you do not know the charge yet). Pass `amount` and `update({ amount })` when it changes if charges under the threshold should stay on the manual form.
+- `amount` (`string`, major-currency decimal, e.g. `"50.00"`, **required**, defaults to `"0"`) — same format as Google Pay / Apple Pay. Compared to the threshold the iframe fetches (cents). Pass `"0"` (the default) on open-amount forms until the customer enters a charge — 0 is typically under the threshold, so Connect stays hidden. Pass `amount` and `update({ amount })` when it changes. For setup intents, pass an amount at or above the merchant ACH threshold (the expected future charge) to show Connect.
 
-Compare locally once the iframe posts `ACH_THRESHOLD`: Plaid when the amount (converted to cents) is `>= achThreshold`, or when `amount` is omitted and a threshold is set. No threshold (or `null`) keeps the manual bank form. If `amount` later drops under the threshold, Plaid credentials are dropped and the iframe form is shown again.
+Compare locally once the iframe posts `ACH_THRESHOLD`: Plaid when the amount (converted to cents, default `0`) is `>= achThreshold`. No threshold (or `null`) keeps the manual bank form. If `amount` later drops under the threshold, Plaid credentials are dropped and the iframe form is shown again.
 
 ```ts
 import { mountAmosBankAccountPaymentMethodForm } from "@amos.com/amos-js";
 
 const bank = mountAmosBankAccountPaymentMethodForm("#bank-form", {
   renderToken,
-  amount: "50.00", // omit to always Connect
+  amount: "50.00", // defaults to "0" (manual form until the charge meets the threshold)
   onResult: (result) => {
     /* … */
   },

package/dist/index.js

@@ -65,7 +65,7 @@ Object.defineProperty(exports,Symbol.toStringTag,{value:`Module`});var e=`data-a
     animation: none;
   }
 }
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 .amos-js-plaid-panel {
   box-sizing: border-box;
   color: var(--foreground, oklch(0.145 0 0));
@@ -171,4 +171,4 @@ Object.defineProperty(exports,Symbol.toStringTag,{value:`Module`});var e=`data-a
     transition: none;
   }
 }
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a={height:n.height??`48px`,borderRadius:L({iframeStyle:r,buttonProps:n.buttonProps})},o=F(a),s=document.createElement(`div`);s.style.position=`relative`,s.style.width=`100%`,s.style.height=a.height,s.style.overflow=`hidden`,s.setAttribute(`aria-busy`,`true`),Object.assign(t.style,xe),t.style.height=`100%`,s.append(o.element,t),e.appendChild(s);let c=!1,l=!1,u,d=n;function f(){c||(c=!0,u!==void 0&&(clearTimeout(u),u=void 0),t.style.opacity=`1`,t.style.pointerEvents=``,o.element.remove(),s.removeAttribute(`aria-busy`))}function p(){c||!l||f()}let m=i(t,{...n,onHeightChange:e=>{d.onHeightChange?.(e)},onAppearanceReady:()=>{l=!0,p(),d.onAppearanceReady?.()}});return u=setTimeout(()=>{f()},1500),{iframe:t,update(e){d={...d,...e};let t={...e};delete t.onAppearanceReady,delete t.onHeightChange,m.update(t),a={height:d.height??a.height,borderRadius:L({iframeStyle:r,buttonProps:d.buttonProps})},s.style.height=a.height,c||o.update(a)},destroy(){u!==void 0&&clearTimeout(u),m.destroy(),s.remove()}}}function we(e,t){let n=Z(e),{renderToken:r,additionalFields:i={cardholderName:!1},billingAddressRequirement:a=`country`,...o}=t;return Ce({host:n,iframe:Q({src:U(r,i,a),title:`Secure credit card payment method form powered by Amos`,name:`amos-credit-card-payment-method-form`,height:G(i,a)}),listenerOptions:o,skeletonOptions:{kind:`card`,appearance:o.appearance,additionalFields:i,billingAddressRequirement:a}})}function Te(e,t){let n=Z(e),{renderToken:r,billingAddressRequirement:i=`country`,amount:a,...o}=t,s=Q({src:W(r,i),title:`Secure bank account payment method form powered by Amos`,name:`amos-bank-account-payment-method-form`,height:K(i)}),c=Ce({host:n,iframe:s,listenerOptions:o,skeletonOptions:{kind:`bank`,appearance:o.appearance,billingAddressRequirement:i}}),l=ve({host:n,iframe:s,options:{amount:a,appearance:o.appearance,onValidityChange:o.onValidityChange}});return{iframe:s,update(e){c.update(e),l.update(e)},destroy(){l.destroy(),c.destroy()}}}function Ee(e,t){let n=Z(e),{renderToken:r,iframeClassName:i,iframeStyle:a,...o}=t,s=Q({src:R(r),title:`Secure Google Pay button powered by Amos`,name:`amos-google-pay-button`,height:o.height??z(),allow:`payment`,className:i,style:be});return Object.assign(s.style,a),$({host:n,iframe:s,listenerOptions:o,iframeStyle:a,attachListeners:B})}function De(e,t){let n=Z(e),{renderToken:r,iframeClassName:i,iframeStyle:a,...o}=t,s=Q({src:T(r),title:`Secure Apple Pay button powered by Amos`,name:`amos-apple-pay-button`,height:o.height??E(),allow:`payment`,className:i,style:be});return Object.assign(s.style,a),$({host:n,iframe:s,listenerOptions:o,iframeStyle:a,attachListeners:O})}exports.SKELETON_STYLES=ne,exports.attachApplePayButtonListeners=O,exports.attachGooglePayButtonListeners=B,exports.attachPaymentMethodFormListeners=q,exports.confirmPaymentIntent=S,exports.confirmSetupIntent=C,exports.createMessage=l,exports.createPaymentMethodFormSkeleton=ae,exports.createWalletButtonSkeleton=F,exports.decodeJwt=r,exports.ensureSkeletonStyles=A,exports.formatGooglePayPaymentData=oe,exports.getApplePayButtonInitialHeight=E,exports.getApplePayButtonSrc=T,exports.getBankAccountFormInitialHeight=K,exports.getBankAccountFormSrc=W,exports.getCreditCardFormInitialHeight=G,exports.getCreditCardFormSrc=U,exports.getEmbedOrigin=i,exports.getGooglePayButtonInitialHeight=z,exports.getGooglePayButtonSrc=R,exports.linkedBankLabelFromMetadata=ue,exports.loadPlaidScript=fe,exports.mountAmosApplePayButton=De,exports.mountAmosBankAccountPaymentMethodForm=Te,exports.mountAmosCreditCardPaymentMethodForm=we,exports.mountAmosGooglePayButton=Ee,exports.openPlaidLink=pe,exports.plaidAccountIdFromMetadata=le,exports.requiresAchVerification=Y,exports.resetForm=y,exports.resolveWalletButtonSkeletonBorderRadius=L,exports.sendConfirmationResult=w,exports.sendParentReadyMessage=d,exports.updateAmount=h,exports.updateAppearance=f,exports.updateApplePayButton=p,exports.updateGooglePayButton=m,exports.updateMerchantName=g,exports.validateForm=_;
+`;function ge(){if(document.getElementById(me))return;let e=document.createElement(`style`);e.id=me,e.textContent=he,document.head.append(e)}function _e(e,t,n){for(let t of n)e.style.removeProperty(t);n.length=0;let r=t?.themeVariables;if(r)for(let[t,i]of Object.entries(r))typeof i==`string`&&i.trim()!==``&&(e.style.setProperty(t,i.trim()),n.push(t))}function ve({host:e,iframe:t,options:n}){ge();let r={...n,amount:n.amount??`0`},i=[],a=!1,s,l=!1,u,d=!1,f,p,m=new AbortController,h,g=document.createElement(`div`);g.className=`amos-js-plaid-panel`,g.setAttribute(`data-amos-plaid-panel`,`true`),g.dataset.mode=`hidden`,_e(g,r.appearance,i);let _=document.createElement(`button`);_.type=`button`,_.className=`amos-js-plaid-connect`,_.textContent=`Connect bank account`,_.setAttribute(`data-testid`,`amos-plaid-connect`);let v=document.createElement(`div`);v.className=`amos-js-plaid-linked`;let y=document.createElement(`span`);y.className=`amos-js-plaid-linked-name`;let b=document.createElement(`span`);b.className=`amos-js-plaid-linked-meta`;let x=document.createElement(`button`);x.type=`button`,x.className=`amos-js-plaid-disconnect`,x.textContent=`Disconnect`,x.setAttribute(`aria-label`,`Disconnect bank account`);let S=document.createElement(`p`);S.className=`amos-js-plaid-error`,S.setAttribute(`role`,`alert`),v.append(y,b,x),g.append(_,v,S),e.append(g);let C=t.parentElement;function w(e){S.textContent=e??``}function T(){return a?l?!0:Y({amount:ce(r.amount),achThreshold:s}):!1}function E(){let e=!!h;f!==e&&(f=e,r.onValidityChange?.({isValid:e}))}function D(){let e=T();if(o(t,{requiresVerification:e,plaid:e?h?.credentials:void 0,clearLinked:O}),!e){g.dataset.mode=`hidden`,C&&(C.style.display=``),f=void 0;return}g.dataset.mode=h?`linked`:`connect`,C&&(C.style.display=`none`),h&&(y.textContent=h.bankName,b.textContent=h.last4?`****${h.last4}`:`Connected`),E()}function O(){h=void 0,u=void 0,p?.(),p=void 0,w(void 0),D()}function k(e){if(e.source===t.contentWindow&&e.data.type===`ACH_THRESHOLD`){if(a=!0,s=e.data.achThreshold??void 0,l=e.data.requireVerification===!0,h&&!T()){O();return}D()}}return window.addEventListener(`message`,k),D(),x.addEventListener(`click`,()=>{O()}),_.addEventListener(`click`,()=>{(async()=>{if(!(m.signal.aborted||d)){d=!0,_.disabled=!0,w(void 0);try{if(u||=await ee({iframe:t}),m.signal.aborted)return;let e=u;p?.(),p=await pe({token:e,signal:m.signal,onSuccess:(e,t)=>{if(m.signal.aborted)return;let n=le(t);if(!n){w(`Select a bank account to continue.`);return}let r=ue(t);h={credentials:{public_token:e,account_id:n},bankName:r.bankName,last4:r.last4},u=void 0,D()},onExit:e=>{m.signal.aborted||e?.error_code===`INVALID_LINK_TOKEN`&&(u=void 0)}}),m.signal.aborted&&(p(),p=void 0)}catch(e){if(u=void 0,m.signal.aborted)return;w(e instanceof Error?e.message:`Could not connect bank.`)}finally{d=!1,m.signal.aborted||(_.disabled=!1)}}})()}),{update(e){if(`amount`in e&&(r.amount=e.amount??`0`),`onValidityChange`in e&&(r.onValidityChange=e.onValidityChange),`appearance`in e&&(r.appearance=e.appearance,_e(g,r.appearance,i)),h&&!T()){O();return}D()},destroy(){m.abort(),window.removeEventListener(`message`,k),p?.(),p=void 0,c(t),g.remove()}}}function Z(e){if(typeof e==`string`){let t=document.querySelector(e);if(!(t instanceof HTMLElement))throw Error(`[amos-js] Container "${e}" did not match any HTMLElement.`);return t}return e}var ye={width:`calc(100% + 8px)`,transition:`opacity 150ms ease-in, height 200ms ease-in-out`,margin:`0 -4px`,opacity:`0`,border:`0`},be={width:`100%`,transition:`height 200ms ease-in-out`,margin:`0`,opacity:`0`,border:`0`},xe={position:`absolute`,top:`0`,left:`0`,width:`100%`,height:`100%`,margin:`0`,opacity:`0`,transition:`none`,pointerEvents:`none`},Se={position:`absolute`,top:`0`,left:`-4px`,width:`calc(100% + 8px)`,height:`100%`,margin:`0`,transition:`none`,pointerEvents:`none`};function Q({src:e,title:t,name:n,height:r,allow:i,className:a,style:o=ye}){let s=document.createElement(`iframe`);return s.src=e,s.title=t,s.name=n,s.setAttribute(`role`,`presentation`),s.scrolling=`no`,i&&(s.allow=i),a!=null&&(s.className=a),Object.assign(s.style,o,{height:r}),s}function Ce({host:e,iframe:t,listenerOptions:n,skeletonOptions:r}){let i=document.createElement(`div`);i.style.position=`relative`,i.style.width=`100%`,i.setAttribute(`aria-busy`,`true`);let a=ae(r);Object.assign(t.style,Se),i.append(a.element,t),e.appendChild(i);let o=!1,s=!1,c,l=r.appearance,u,d;function f(){return i.getBoundingClientRect().height}function p(){return c?Number.parseFloat(c):NaN}function m(){if(o)return;o=!0,d!==void 0&&(clearTimeout(d),d=void 0);let 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a={height:n.height??`48px`,borderRadius:L({iframeStyle:r,buttonProps:n.buttonProps})},o=F(a),s=document.createElement(`div`);s.style.position=`relative`,s.style.width=`100%`,s.style.height=a.height,s.style.overflow=`hidden`,s.setAttribute(`aria-busy`,`true`),Object.assign(t.style,xe),t.style.height=`100%`,s.append(o.element,t),e.appendChild(s);let c=!1,l=!1,u,d=n;function f(){c||(c=!0,u!==void 0&&(clearTimeout(u),u=void 0),t.style.opacity=`1`,t.style.pointerEvents=``,o.element.remove(),s.removeAttribute(`aria-busy`))}function p(){c||!l||f()}let m=i(t,{...n,onHeightChange:e=>{d.onHeightChange?.(e)},onAppearanceReady:()=>{l=!0,p(),d.onAppearanceReady?.()}});return u=setTimeout(()=>{f()},1500),{iframe:t,update(e){d={...d,...e};let t={...e};delete t.onAppearanceReady,delete t.onHeightChange,m.update(t),a={height:d.height??a.height,borderRadius:L({iframeStyle:r,buttonProps:d.buttonProps})},s.style.height=a.height,c||o.update(a)},destroy(){u!==void 0&&clearTimeout(u),m.destroy(),s.remove()}}}function we(e,t){let n=Z(e),{renderToken:r,additionalFields:i={cardholderName:!1},billingAddressRequirement:a=`country`,...o}=t;return Ce({host:n,iframe:Q({src:U(r,i,a),title:`Secure credit card payment method form powered by Amos`,name:`amos-credit-card-payment-method-form`,height:G(i,a)}),listenerOptions:o,skeletonOptions:{kind:`card`,appearance:o.appearance,additionalFields:i,billingAddressRequirement:a}})}function Te(e,t){let n=Z(e),{renderToken:r,billingAddressRequirement:i=`country`,amount:a=`0`,...o}=t,s=Q({src:W(r,i),title:`Secure bank account payment method form powered by Amos`,name:`amos-bank-account-payment-method-form`,height:K(i)}),c=Ce({host:n,iframe:s,listenerOptions:o,skeletonOptions:{kind:`bank`,appearance:o.appearance,billingAddressRequirement:i}}),l=ve({host:n,iframe:s,options:{amount:a,appearance:o.appearance,onValidityChange:o.onValidityChange}});return{iframe:s,update(e){c.update(e),l.update(e)},destroy(){l.destroy(),c.destroy()}}}function Ee(e,t){let n=Z(e),{renderToken:r,iframeClassName:i,iframeStyle:a,...o}=t,s=Q({src:R(r),title:`Secure Google Pay button powered by Amos`,name:`amos-google-pay-button`,height:o.height??z(),allow:`payment`,className:i,style:be});return Object.assign(s.style,a),$({host:n,iframe:s,listenerOptions:o,iframeStyle:a,attachListeners:B})}function De(e,t){let n=Z(e),{renderToken:r,iframeClassName:i,iframeStyle:a,...o}=t,s=Q({src:T(r),title:`Secure Apple Pay button powered by Amos`,name:`amos-apple-pay-button`,height:o.height??E(),allow:`payment`,className:i,style:be});return Object.assign(s.style,a),$({host:n,iframe:s,listenerOptions:o,iframeStyle:a,attachListeners:O})}exports.SKELETON_STYLES=ne,exports.attachApplePayButtonListeners=O,exports.attachGooglePayButtonListeners=B,exports.attachPaymentMethodFormListeners=q,exports.confirmPaymentIntent=S,exports.confirmSetupIntent=C,exports.createMessage=l,exports.createPaymentMethodFormSkeleton=ae,exports.createWalletButtonSkeleton=F,exports.decodeJwt=r,exports.ensureSkeletonStyles=A,exports.formatGooglePayPaymentData=oe,exports.getApplePayButtonInitialHeight=E,exports.getApplePayButtonSrc=T,exports.getBankAccountFormInitialHeight=K,exports.getBankAccountFormSrc=W,exports.getCreditCardFormInitialHeight=G,exports.getCreditCardFormSrc=U,exports.getEmbedOrigin=i,exports.getGooglePayButtonInitialHeight=z,exports.getGooglePayButtonSrc=R,exports.linkedBankLabelFromMetadata=ue,exports.loadPlaidScript=fe,exports.mountAmosApplePayButton=De,exports.mountAmosBankAccountPaymentMethodForm=Te,exports.mountAmosCreditCardPaymentMethodForm=we,exports.mountAmosGooglePayButton=Ee,exports.openPlaidLink=pe,exports.plaidAccountIdFromMetadata=le,exports.requiresAchVerification=Y,exports.resetForm=y,exports.resolveWalletButtonSkeletonBorderRadius=L,exports.sendConfirmationResult=w,exports.sendParentReadyMessage=d,exports.updateAmount=h,exports.updateAppearance=f,exports.updateApplePayButton=p,exports.updateGooglePayButton=m,exports.updateMerchantName=g,exports.validateForm=_;

package/dist/index.mjs

@@ -604,7 +604,7 @@ function q(e, t) {
 //#region src/plaid.ts
 var J = "https://cdn.plaid.com/link/v2/stable/link-initialize.js";
 function Y({ amount: e, achThreshold: t }) {
-	return t == null ? !1 : e == null || e >= t;
+	return t != null && (e ?? 0) >= t;
 }
 function ce(e) {
 	if (e == null) return;
@@ -673,7 +673,10 @@ function _e(e, t, n) {
 }
 function ve({ host: e, iframe: t, options: n }) {
 	ge();
-	let r = { ...n }, i = [], a = !1, s, l = !1, u, d = !1, f, p, m = new AbortController(), h, g = document.createElement("div");
+	let r = {
+		...n,
+		amount: n.amount ?? "0"
+	}, i = [], a = !1, s, l = !1, u, d = !1, f, p, m = new AbortController(), h, g = document.createElement("div");
 	g.className = "amos-js-plaid-panel", g.setAttribute("data-amos-plaid-panel", "true"), g.dataset.mode = "hidden", _e(g, r.appearance, i);
 	let _ = document.createElement("button");
 	_.type = "button", _.className = "amos-js-plaid-connect", _.textContent = "Connect bank account", _.setAttribute("data-testid", "amos-plaid-connect");
@@ -768,7 +771,7 @@ function ve({ host: e, iframe: t, options: n }) {
 		})();
 	}), {
 		update(e) {
-			if ("amount" in e && (r.amount = e.amount), "onValidityChange" in e && (r.onValidityChange = e.onValidityChange), "appearance" in e && (r.appearance = e.appearance, _e(g, r.appearance, i)), h && !T()) {
+			if ("amount" in e && (r.amount = e.amount ?? "0"), "onValidityChange" in e && (r.onValidityChange = e.onValidityChange), "appearance" in e && (r.appearance = e.appearance, _e(g, r.appearance, i)), h && !T()) {
 				O();
 				return;
 			}
@@ -942,7 +945,7 @@ function we(e, t) {
 	});
 }
 function Te(e, t) {
-	let n = Z(e), { renderToken: r, billingAddressRequirement: i = "country", amount: a, ...o } = t, s = Q({
+	let n = Z(e), { renderToken: r, billingAddressRequirement: i = "country", amount: a = "0", ...o } = t, s = Q({
 		src: W(r, i),
 		title: "Secure bank account payment method form powered by Amos",
 		name: "amos-bank-account-payment-method-form",

package/dist/mount.d.ts

@@ -81,9 +81,11 @@ export type AmosBankAccountPaymentMethodFormOptions = PaymentMethodFormListenerO
     /**
      * Charge amount as a major-currency decimal string (e.g. `"50.00"`
      * for $50.00), the same format as Google Pay / Apple Pay. Compared
-     * to the merchant ACH threshold fetched by the iframe. Omit for
-     * setup intents or when the charge is unknown — if a threshold is
-     * set, Plaid is required.
+     * to the merchant ACH threshold fetched by the iframe. Defaults to
+     * `"0"`, which is typically under the threshold so Connect / Plaid
+     * stays hidden until the host passes a real charge.
+     *
+     * @default "0"
      */
     amount?: string;
 };
@@ -92,9 +94,11 @@ export type AmosBankAccountPaymentMethodFormOptions = PaymentMethodFormListenerO
  * element. Returns a controller exposing the underlying iframe, an
  * `update()` method, and a `destroy()` method.
  *
- * When the iframe reports an ACH threshold and `amount` meets it (or
- * `amount` is omitted), a Connect bank button is rendered in the parent
- * document and Plaid Link is opened on click. The button uses the same
+ * When the iframe reports an ACH threshold and `amount` meets it, a
+ * Connect bank button is rendered in the parent document and Plaid Link
+ * is opened on click. `amount` defaults to `"0"`, which is typically
+ * under the threshold so Connect stays hidden on open-amount forms
+ * until the host passes a real charge. The button uses the same
  * `appearance.themeVariables` as the iframe (and inherits host-page
  * tokens when those variables are unset). Otherwise a field-shaped
  * skeleton is shown and replaced by the iframe once appearance is applied.

package/dist/plaid.d.ts

@@ -42,8 +42,9 @@ declare global {
  * fields.
  *
  * - No `achThreshold`: always manual ACH (backward compatible).
- * - `amount` omitted: Plaid (setup / unknown future charge).
  * - Otherwise: Plaid when `amount >= achThreshold`.
+ * - Omitted `amount` is treated as `0` (typically under the threshold, so
+ *   Connect stays hidden until the host passes a charge).
  *
  * `amount` and `achThreshold` are integer minor units (cents).
  */

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@amos.com/amos-js",
-  "version": "0.10.0",
+  "version": "0.10.1",
   "main": "dist/index.js",
   "repository": {
     "type": "git",

package/src/mount.ts

@@ -510,9 +510,11 @@ export type AmosBankAccountPaymentMethodFormOptions =
     /**
      * Charge amount as a major-currency decimal string (e.g. `"50.00"`
      * for $50.00), the same format as Google Pay / Apple Pay. Compared
-     * to the merchant ACH threshold fetched by the iframe. Omit for
-     * setup intents or when the charge is unknown — if a threshold is
-     * set, Plaid is required.
+     * to the merchant ACH threshold fetched by the iframe. Defaults to
+     * `"0"`, which is typically under the threshold so Connect / Plaid
+     * stays hidden until the host passes a real charge.
+     *
+     * @default "0"
      */
     amount?: string;
   };
@@ -522,9 +524,11 @@ export type AmosBankAccountPaymentMethodFormOptions =
  * element. Returns a controller exposing the underlying iframe, an
  * `update()` method, and a `destroy()` method.
  *
- * When the iframe reports an ACH threshold and `amount` meets it (or
- * `amount` is omitted), a Connect bank button is rendered in the parent
- * document and Plaid Link is opened on click. The button uses the same
+ * When the iframe reports an ACH threshold and `amount` meets it, a
+ * Connect bank button is rendered in the parent document and Plaid Link
+ * is opened on click. `amount` defaults to `"0"`, which is typically
+ * under the threshold so Connect stays hidden on open-amount forms
+ * until the host passes a real charge. The button uses the same
  * `appearance.themeVariables` as the iframe (and inherits host-page
  * tokens when those variables are unset). Otherwise a field-shaped
  * skeleton is shown and replaced by the iframe once appearance is applied.
@@ -541,7 +545,7 @@ export function mountAmosBankAccountPaymentMethodForm(
   const {
     renderToken,
     billingAddressRequirement = "country",
-    amount,
+    amount = "0",
     ...listenerOptions
   } = options;
 

package/src/plaid-bank-ui.ts

@@ -181,7 +181,10 @@ export function attachPlaidBankUi({
 } {
   ensurePlaidBankUiStyles();
 
-  const current: PlaidBankUiOptions = { ...options };
+  const current: PlaidBankUiOptions = {
+    ...options,
+    amount: options.amount ?? "0",
+  };
   const appliedThemeKeys: Array<string> = [];
   let thresholdKnown = false;
   let achThreshold: number | undefined;
@@ -394,7 +397,7 @@ export function attachPlaidBankUi({
   return {
     update(patch) {
       if ("amount" in patch) {
-        current.amount = patch.amount;
+        current.amount = patch.amount ?? "0";
       }
       if ("onValidityChange" in patch) {
         current.onValidityChange = patch.onValidityChange;

package/src/plaid.ts

@@ -51,8 +51,9 @@ declare global {
  * fields.
  *
  * - No `achThreshold`: always manual ACH (backward compatible).
- * - `amount` omitted: Plaid (setup / unknown future charge).
  * - Otherwise: Plaid when `amount >= achThreshold`.
+ * - Omitted `amount` is treated as `0` (typically under the threshold, so
+ *   Connect stays hidden until the host passes a charge).
  *
  * `amount` and `achThreshold` are integer minor units (cents).
  */
@@ -66,10 +67,7 @@ export function requiresAchVerification({
   if (achThreshold == null) {
     return false;
   }
-  if (amount == null) {
-    return true;
-  }
-  return amount >= achThreshold;
+  return (amount ?? 0) >= achThreshold;
 }
 
 /**