@amos.com/amos-js 0.10.0 → 0.10.2

package/README.md

@@ -173,7 +173,7 @@ Setup intents are used to save payment methods for future use (e.g. recurring pa
 - On the client, call `confirmSetupIntent({ iframe, token })` instead of `confirmPaymentIntent({ iframe, token })`.
 - The same `onResult` callback is used; succeeded setup intents arrive as `{ status: "succeeded", intent: "setup", setupIntent }`.
 
-The same `mountAmosCreditCardPaymentMethodForm` / `mountAmosBankAccountPaymentMethodForm` controllers support both payment intents and setup intents — they are differentiated by which confirmation function you call.
+The same `mountAmosCreditCardPaymentMethodForm` / `mountAmosBankAccountPaymentMethodForm` controllers support both payment intents and setup intents — they are differentiated by which confirmation function you call. For bank setup, pass `intent: "setup"` so Connect / Plaid is always shown (no merchant ACH threshold lookup).
 
 ## Understanding PCI DSS compliance requirements
 
@@ -298,16 +298,17 @@ 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.
+- `intent` (`"payment" | "setup"`, defaults to `"payment"`) — `"setup"` always shows Connect / Plaid (no merchant ACH threshold lookup), unless the render token disables verification. Use this when saving a bank account for later charges.
 
-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 `requireVerification` is true (setup intents), or when the amount (converted to cents, default `0`) is `>= achThreshold`. No threshold (or `null`) keeps the manual bank form. Render tokens with Plaid verification disabled never require Connect. 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) => {
     /* … */
   },
@@ -316,6 +317,18 @@ const bank = mountAmosBankAccountPaymentMethodForm("#bank-form", {
 bank.update({ amount: "25.00" });
 ```
 
+Setup (always Connect, no merchant lookup):
+
+```ts
+mountAmosBankAccountPaymentMethodForm("#bank-form", {
+  renderToken,
+  intent: "setup",
+  onResult: (result) => {
+    /* … */
+  },
+});
+```
+
 `validateForm` / `confirmPaymentIntent` / `confirmSetupIntent` stay iframe-based. When Plaid succeeded, confirm sends `payment_method.plaid` (`public_token`, `account_id`) and does not require typed account numbers.
 
 **CSP:** the parent page must allow Plaid’s script and frames, for example `script-src https://cdn.plaid.com` and `frame-src https://cdn.plaid.com https://*.plaid.com`. Amos never loads `PLAID_SECRET` / `PLAID_CLIENT_ID` in the SDK or embed iframe.
@@ -424,7 +437,7 @@ Advanced helpers exposed for integrators that need to construct or inspect the m
 - **`onResult` is not settlement proof**: `onResult` tells you when to stop waiting (e.g. dismiss a spinner). Verify payment or setup success on your backend via webhooks. On `status: "incomplete"`, unlock your UI — the customer can fix fields in the iframe and retry. Use `result.reason` (`"field_errors"` or `"validation_failed"`) to distinguish recoverable states.
 - **Same components for payment vs setup intents**: `mountAmosCreditCardPaymentMethodForm` and `mountAmosBankAccountPaymentMethodForm` support both payment intents and setup intents. The flow differs only by which server call you make and which confirmation function you use. Handle both outcomes via `onResult`.
 - **Amount format**: for `mountAmosGooglePayButton`, `mountAmosApplePayButton`, and `mountAmosBankAccountPaymentMethodForm`, `amount` is a major-currency decimal string (e.g. `"50.00"` for $50.00). For `components["schemas"]["CreatePaymentIntentInput"]` on the server (card/bank create, and the object the wallet iframe sends to `onInitiatePaymentIntentRequest`), `amount` is a number in cents (e.g. `5000`).
-- **Plaid Link (ACH verification)**: load `cdn.plaid.com` from the **parent** document (see CSP above). Merchants do not proxy Pay API; the bank iframe fetches the ACH threshold and mints link tokens. Confirm still goes through the bank iframe so Amos can attach `plaid` to the payment method.
+- **Plaid Link (ACH verification)**: load `cdn.plaid.com` from the **parent** document (see CSP above). Merchants do not proxy Pay API; the bank iframe fetches the ACH threshold for payment intents and mints link tokens. Setup intents skip the merchant lookup and always require Plaid unless the render token disables verification. Confirm still goes through the bank iframe so Amos can attach `plaid` to the payment method.
 - **Apple Pay waiting overlay**: on browsers where Apple's QR handoff opens in a popup (non-Safari), `mountAmosApplePayButton` shows a fixed full-viewport overlay on the host page until payment completes, the popup closes, or the user clicks **Cancel payment**. Avoid stacking other fixed UI above it.
 - **Browser-only**: the mount and messaging helpers require `window` and the DOM. They are not safe to call during server-side rendering — call them from client-side code only (for example, inside a `useEffect`-like hook in your framework of choice).
 

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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Y({amount:e,achThreshold:t}){return t==null?!1:e==null||e>=t}function ce(e){if(e==null)return;let t=e.trim();if(t===``)return;let n=Number(t.replace(/[^\d.]/g,``));if(Number.isFinite(n))return Math.round(n*100)}function le(e){return e.account_id??e.account?.id??e.accounts?.[0]?.id}function ue(e){let t=e.account??e.accounts?.[0];return{bankName:e.institution?.name??`Bank account`,last4:t?.mask??``}}var X;function de(){for(let e of document.querySelectorAll(`script[src="${J}"]`))e.remove()}function fe(){return typeof window>`u`?Promise.reject(Error(`Plaid Link requires a browser`)):window.Plaid?Promise.resolve():X||(de(),X=new Promise((e,t)=>{let n=document.createElement(`script`);n.src=J,n.async=!0;let r=e=>{n.remove(),X=void 0,t(Error(e))};n.addEventListener(`load`,()=>{if(window.Plaid){e();return}r(`Plaid Link failed to initialize`)},{once:!0}),n.addEventListener(`error`,()=>r(`Failed to load Plaid Link`),{once:!0}),document.head.append(n)}),X)}async function 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+`;function A(){if(document.getElementById(k))return;let e=document.createElement(`style`);e.id=k,e.textContent=ne,document.head.appendChild(e)}function j(e,t){for(let[t,n]of Object.entries(te))e.style.setProperty(t,n);let n=t?.themeVariables;if(n)for(let[t,r]of Object.entries(n))typeof r==`string`&&r.trim()!==``&&e.style.setProperty(t,r.trim())}function M(e,t){let n=document.createElement(`div`);if(n.className=e,t)for(let e of t)n.appendChild(e);return n}function N(e,t){let n=M(`amos-js-form-skeleton-field`);t!==void 0&&(n.style.flexGrow=String(t)),e===`above`&&n.appendChild(M(`amos-js-form-skeleton-label`));let r=M(`amos-js-form-skeleton-input`);return e===`floating`&&r.classList.add(`amos-js-form-skeleton-input-floating`),n.appendChild(r),n}function P(e,t){return M(t?`amos-js-form-skeleton-row-stack`:`amos-js-form-skeleton-row`,e)}function re({labels:e,requirement:t,wrapCountryZip:n}){return t===`full`?[N(e),N(e),P([N(e,1.4),N(e,.7),N(e,.8)],!1),N(e)]:[P([N(e),N(e)],n)]}function 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Y({amount:e,achThreshold:t}){return t!=null&&(e??0)>=t}function ce(e){if(e==null)return;let t=e.trim();if(t===``)return;let n=Number(t.replace(/[^\d.]/g,``));if(Number.isFinite(n))return Math.round(n*100)}function le(e){return e.account_id??e.account?.id??e.accounts?.[0]?.id}function ue(e){let t=e.account??e.accounts?.[0];return{bankName:e.institution?.name??`Bank account`,last4:t?.mask??``}}var X;function de(){for(let e of document.querySelectorAll(`script[src="${J}"]`))e.remove()}function fe(){return typeof window>`u`?Promise.reject(Error(`Plaid Link requires a browser`)):window.Plaid?Promise.resolve():X||(de(),X=new Promise((e,t)=>{let n=document.createElement(`script`);n.src=J,n.async=!0;let r=e=>{n.remove(),X=void 0,t(Error(e))};n.addEventListener(`load`,()=>{if(window.Plaid){e();return}r(`Plaid Link failed to initialize`)},{once:!0}),n.addEventListener(`error`,()=>r(`Failed to load Plaid Link`),{once:!0}),document.head.append(n)}),X)}async function pe({token:e,onSuccess:t,onExit:n,signal:r}){if(await fe(),r?.aborted)return()=>{};if(!window.Plaid)throw Error(`Plaid Link failed to initialize`);let i=window.Plaid.create({token:e,onSuccess:t,onExit:e=>{n?.(e)}});return r?.aborted?(i.destroy(),()=>{}):(i.open(),()=>{i.destroy()})}var me=`amos-js-plaid-bank-ui-styles`,he=`
 .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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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?`****${h.last4}`:`Connected`),E()}function O(){h=void 0,u=void 0,p?.(),p=void 0,w(void 0),D()}function k(e){if(e.source===t.contentWindow&&e.data.type===`ACH_THRESHOLD`){if(a=!0,s=e.data.achThreshold??void 0,l=e.data.requireVerification===!0,h&&!T()){O();return}D()}}return window.addEventListener(`message`,k),D(),x.addEventListener(`click`,()=>{O()}),_.addEventListener(`click`,()=>{(async()=>{if(!(m.signal.aborted||d)){d=!0,_.disabled=!0,w(void 0);try{if(u||=await ee({iframe:t}),m.signal.aborted)return;let e=u;p?.(),p=await pe({token:e,signal:m.signal,onSuccess:(e,t)=>{if(m.signal.aborted)return;let n=le(t);if(!n){w(`Select a bank account to continue.`);return}let r=ue(t);h={credentials:{public_token:e,account_id:n},bankName:r.bankName,last4:r.last4},u=void 0,D()},onExit:e=>{m.signal.aborted||e?.error_code===`INVALID_LINK_TOKEN`&&(u=void 0)}}),m.signal.aborted&&(p(),p=void 0)}catch(e){if(u=void 0,m.signal.aborted)return;w(e instanceof Error?e.message:`Could not connect bank.`)}finally{d=!1,m.signal.aborted||(_.disabled=!1)}}})()}),{update(e){if(`amount`in e&&(r.amount=e.amount),`onValidityChange`in e&&(r.onValidityChange=e.onValidityChange),`appearance`in e&&(r.appearance=e.appearance,_e(g,r.appearance,i)),h&&!T()){O();return}D()},destroy(){m.abort(),window.removeEventListener(`message`,k),p?.(),p=void 0,c(t),g.remove()}}}function Z(e){if(typeof e==`string`){let t=document.querySelector(e);if(!(t instanceof HTMLElement))throw Error(`[amos-js] Container "${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 e=f(),n=p(),r=Number.isFinite(n)?Math.max(n,e):e;t.style.transition=`none`,t.style.position=``,t.style.top=``,t.style.left=``,t.style.margin=ye.margin??``,t.style.height=`${r}px`,t.style.opacity=`1`,t.style.pointerEvents=``,a.element.remove(),i.removeAttribute(`aria-busy`),u=setTimeout(()=>{t.style.transition=`height 200ms ease-in-out`},400)}function h(){if(o||!s)return;let e=p(),t=f();Number.isFinite(e)&&e>=t-2&&m()}let g=q(t,{...n,onHeightChange:e=>{c=e,o?t.style.height=e:h(),n.onHeightChange?.(e)},onAppearanceReady:()=>{s=!0,h(),!o&&d===void 0&&(d=setTimeout(()=>{m()},1500)),n.onAppearanceReady?.()}});return{iframe:t,update(e){g.update(e),!o&&`appearance`in e&&(l=e.appearance,a.update({...r,appearance:l}))},destroy(){u!==void 0&&clearTimeout(u),d!==void 0&&clearTimeout(d),g.destroy(),i.remove()}}}function $({host:e,iframe:t,listenerOptions:n,iframeStyle:r,attachListeners:i}){let 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 "${e}" did not match any HTMLElement.`);return t}return e}var ye={width:`calc(100% + 8px)`,transition:`opacity 150ms ease-in, height 200ms ease-in-out`,margin:`0 -4px`,opacity:`0`,border:`0`},be={width:`100%`,transition:`height 200ms ease-in-out`,margin:`0`,opacity:`0`,border:`0`},xe={position:`absolute`,top:`0`,left:`0`,width:`100%`,height:`100%`,margin:`0`,opacity:`0`,transition:`none`,pointerEvents:`none`},Se={position:`absolute`,top:`0`,left:`-4px`,width:`calc(100% + 8px)`,height:`100%`,margin:`0`,transition:`none`,pointerEvents:`none`};function Q({src:e,title:t,name:n,height:r,allow:i,className:a,style:o=ye}){let s=document.createElement(`iframe`);return s.src=e,s.title=t,s.name=n,s.setAttribute(`role`,`presentation`),s.scrolling=`no`,i&&(s.allow=i),a!=null&&(s.className=a),Object.assign(s.style,o,{height:r}),s}function Ce({host:e,iframe:t,listenerOptions:n,skeletonOptions:r}){let i=document.createElement(`div`);i.style.position=`relative`,i.style.width=`100%`,i.setAttribute(`aria-busy`,`true`);let a=ae(r);Object.assign(t.style,Se),i.append(a.element,t),e.appendChild(i);let o=!1,s=!1,c,l=r.appearance,u,d;function f(){return i.getBoundingClientRect().height}function p(){return c?Number.parseFloat(c):NaN}function m(){if(o)return;o=!0,d!==void 0&&(clearTimeout(d),d=void 0);let e=f(),n=p(),r=Number.isFinite(n)?Math.max(n,e):e;t.style.transition=`none`,t.style.position=``,t.style.top=``,t.style.left=``,t.style.margin=ye.margin??``,t.style.height=`${r}px`,t.style.opacity=`1`,t.style.pointerEvents=``,a.element.remove(),i.removeAttribute(`aria-busy`),u=setTimeout(()=>{t.style.transition=`height 200ms ease-in-out`},400)}function h(){if(o||!s)return;let e=p(),t=f();Number.isFinite(e)&&e>=t-2&&m()}let g=q(t,{...n,onHeightChange:e=>{c=e,o?t.style.height=e:h(),n.onHeightChange?.(e)},onAppearanceReady:()=>{s=!0,h(),!o&&d===void 0&&(d=setTimeout(()=>{m()},1500)),n.onAppearanceReady?.()}});return{iframe:t,update(e){g.update(e),!o&&`appearance`in e&&(l=e.appearance,a.update({...r,appearance:l}))},destroy(){u!==void 0&&clearTimeout(u),d!==void 0&&clearTimeout(d),g.destroy(),i.remove()}}}function $({host:e,iframe:t,listenerOptions:n,iframeStyle:r,attachListeners:i}){let 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`,intent:o=`payment`,...s}=t,c=Q({src:W(r,i,o),title:`Secure bank account payment method form powered by Amos`,name:`amos-bank-account-payment-method-form`,height:K(i)}),l=Ce({host:n,iframe:c,listenerOptions:s,skeletonOptions:{kind:`bank`,appearance:s.appearance,billingAddressRequirement:i}}),u=ve({host:n,iframe:c,options:{amount:a,appearance:s.appearance,onValidityChange:s.onValidityChange}});return{iframe:c,update(e){l.update(e),u.update(e)},destroy(){u.destroy(),l.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

@@ -539,12 +539,12 @@ function U(e, t = { cardholderName: !1 }, n = "country") {
 	});
 	return `${i(e)}/iframe/card?${a}`;
 }
-function W(e, t = "country") {
-	let n = new URLSearchParams({
+function W(e, t = "country", n = "payment") {
+	let r = new URLSearchParams({
 		token: e,
 		billingAddressRequirement: t
 	});
-	return `${i(e)}/iframe/bank?${n}`;
+	return n === "setup" && r.set("intent", "setup"), `${i(e)}/iframe/bank?${r}`;
 }
 function G(e = { cardholderName: !1 }, t = "country") {
 	return `${(V[t] ?? V.country) + (e.cardholderName ? se : 0)}px`;
@@ -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;
 			}
@@ -942,36 +945,36 @@ function we(e, t) {
 	});
 }
 function Te(e, t) {
-	let n = Z(e), { renderToken: r, billingAddressRequirement: i = "country", amount: a, ...o } = t, s = Q({
-		src: W(r, i),
+	let n = Z(e), { renderToken: r, billingAddressRequirement: i = "country", amount: a = "0", intent: o = "payment", ...s } = t, c = Q({
+		src: W(r, i, o),
 		title: "Secure bank account payment method form powered by Amos",
 		name: "amos-bank-account-payment-method-form",
 		height: K(i)
-	}), c = Ce({
+	}), l = Ce({
 		host: n,
-		iframe: s,
-		listenerOptions: o,
+		iframe: c,
+		listenerOptions: s,
 		skeletonOptions: {
 			kind: "bank",
-			appearance: o.appearance,
+			appearance: s.appearance,
 			billingAddressRequirement: i
 		}
-	}), l = ve({
+	}), u = ve({
 		host: n,
-		iframe: s,
+		iframe: c,
 		options: {
 			amount: a,
-			appearance: o.appearance,
-			onValidityChange: o.onValidityChange
+			appearance: s.appearance,
+			onValidityChange: s.onValidityChange
 		}
 	});
 	return {
-		iframe: s,
+		iframe: c,
 		update(e) {
-			c.update(e), l.update(e);
+			l.update(e), u.update(e);
 		},
 		destroy() {
-			l.destroy(), c.destroy();
+			u.destroy(), l.destroy();
 		}
 	};
 }

package/dist/mount.d.ts

@@ -81,20 +81,38 @@ 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.
+     *
+     * Ignored when {@link AmosBankAccountPaymentMethodFormOptions.intent}
+     * is `"setup"` — setup intents always show Connect (unless the render
+     * token disables Plaid verification).
+     *
+     * @default "0"
      */
     amount?: string;
+    /**
+     * `"setup"` saves a bank account for later charges and always shows
+     * Connect / Plaid (no merchant threshold lookup). `"payment"`
+     * compares {@link AmosBankAccountPaymentMethodFormOptions.amount} to
+     * the merchant ACH threshold.
+     *
+     * @default "payment"
+     */
+    intent?: "payment" | "setup";
 };
 /**
  * Mount the secure bank-account payment method form into a container
  * 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. Pass `intent: "setup"` to always
+ * show Connect without a merchant lookup. 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/payment-method-form.d.ts

@@ -22,8 +22,11 @@ export type BillingAddressRequirement = "country" | "full";
 export declare function getCreditCardFormSrc(renderToken: string, additionalFields?: CreditCardAdditionalFields, billingAddressRequirement?: BillingAddressRequirement): string;
 /**
  * Build the iframe `src` URL for the embedded bank-account form.
+ *
+ * Pass `intent: "setup"` so the iframe always requires Plaid (when the
+ * render token allows it) and does not `GET /merchants` for a threshold.
  */
-export declare function getBankAccountFormSrc(renderToken: string, billingAddressRequirement?: BillingAddressRequirement): string;
+export declare function getBankAccountFormSrc(renderToken: string, billingAddressRequirement?: BillingAddressRequirement, intent?: "payment" | "setup"): string;
 /**
  * Default iframe pixel height for the credit-card form, taking the
  * configured `additionalFields` and `billingAddressRequirement` into

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/dist/types.d.ts

@@ -248,10 +248,11 @@ export type Message = {
     brand: CardBrand | null;
 } | {
     /**
-     * Embed → parent: merchant ACH verification threshold for this
-     * render token. `achThreshold` is cents, or `null` when the
-     * merchant has no threshold (manual ACH). `requireVerification`
-     * is true when the fetch failed in production (fail closed).
+     * Embed → parent: ACH verification policy for this bank iframe.
+     * `achThreshold` is cents, or `null` when the merchant has no
+     * threshold (manual ACH). `requireVerification` is true for setup
+     * intents (always Plaid, no merchant lookup), and when a payment
+     * threshold fetch failed in production (fail closed).
      */
     type: "ACH_THRESHOLD";
     achThreshold?: number | null;

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@amos.com/amos-js",
-  "version": "0.10.0",
+  "version": "0.10.2",
   "main": "dist/index.js",
   "repository": {
     "type": "git",
@@ -35,11 +35,8 @@
   "author": "Amos",
   "license": "MIT",
   "description": "Amos JavaScript SDK for embedding payment methods via iframes.",
-  "peerDependencies": {
-    "@amos.com/node": ">=0.1.39"
-  },
   "devDependencies": {
-    "@amos.com/node": "0.1.39",
+    "@amos.com/node": "0.1.50",
     "@biomejs/biome": "2.5.7",
     "@changesets/cli": "2.31.1",
     "@types/node": "26.1.2",
@@ -50,5 +47,8 @@
   },
   "dependencies": {
     "@types/googlepay": "0.7.11"
+  },
+  "peerDependencies": {
+    "@amos.com/node": ">=0.1.50"
   }
 }

package/src/mount.ts

@@ -510,11 +510,26 @@ 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.
+     *
+     * Ignored when {@link AmosBankAccountPaymentMethodFormOptions.intent}
+     * is `"setup"` — setup intents always show Connect (unless the render
+     * token disables Plaid verification).
+     *
+     * @default "0"
      */
     amount?: string;
+    /**
+     * `"setup"` saves a bank account for later charges and always shows
+     * Connect / Plaid (no merchant threshold lookup). `"payment"`
+     * compares {@link AmosBankAccountPaymentMethodFormOptions.amount} to
+     * the merchant ACH threshold.
+     *
+     * @default "payment"
+     */
+    intent?: "payment" | "setup";
   };
 
 /**
@@ -522,9 +537,12 @@ 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. Pass `intent: "setup"` to always
+ * show Connect without a merchant lookup. 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.
@@ -541,12 +559,13 @@ export function mountAmosBankAccountPaymentMethodForm(
   const {
     renderToken,
     billingAddressRequirement = "country",
-    amount,
+    amount = "0",
+    intent = "payment",
     ...listenerOptions
   } = options;
 
   const iframe = createIframe({
-    src: getBankAccountFormSrc(renderToken, billingAddressRequirement),
+    src: getBankAccountFormSrc(renderToken, billingAddressRequirement, intent),
     title: "Secure bank account payment method form powered by Amos",
     name: "amos-bank-account-payment-method-form",
     height: getBankAccountFormInitialHeight(billingAddressRequirement),

package/src/payment-method-form.ts

@@ -68,15 +68,22 @@ export function getCreditCardFormSrc(
 
 /**
  * Build the iframe `src` URL for the embedded bank-account form.
+ *
+ * Pass `intent: "setup"` so the iframe always requires Plaid (when the
+ * render token allows it) and does not `GET /merchants` for a threshold.
  */
 export function getBankAccountFormSrc(
   renderToken: string,
   billingAddressRequirement: BillingAddressRequirement = "country",
+  intent: "payment" | "setup" = "payment",
 ): string {
   const params = new URLSearchParams({
     token: renderToken,
     billingAddressRequirement,
   });
+  if (intent === "setup") {
+    params.set("intent", "setup");
+  }
 
   return `${getEmbedOrigin(renderToken)}/iframe/bank?${params}`;
 }

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;
 }
 
 /**

package/src/types.ts

@@ -536,10 +536,11 @@ export type Message =
     }
   | {
       /**
-       * Embed → parent: merchant ACH verification threshold for this
-       * render token. `achThreshold` is cents, or `null` when the
-       * merchant has no threshold (manual ACH). `requireVerification`
-       * is true when the fetch failed in production (fail closed).
+       * Embed → parent: ACH verification policy for this bank iframe.
+       * `achThreshold` is cents, or `null` when the merchant has no
+       * threshold (manual ACH). `requireVerification` is true for setup
+       * intents (always Plaid, no merchant lookup), and when a payment
+       * threshold fetch failed in production (fail closed).
        */
       type: "ACH_THRESHOLD";
       achThreshold?: number | null;