@amos.com/amos-js 0.9.18 → 0.10.1

package/README.md

@@ -281,6 +281,7 @@ Mount the secure credit-card payment method form into a container element (an `H
 - `billingAddressRequirement` (`"country" | "full"`, defaults to `"country"`) — how much billing address the iframe collects. `country` collects country / region and, for CA / PR / GB / US, a postal code (labeled ZIP for the United States). `full` shows a full street address form with Smarty autocomplete.
 
 - `onValidityChange` (`(event: { isValid: boolean }) => void`) — called when form validity changes. `isValid` is true when all required fields are present and valid. Does not include PCI data. Use this to enable or disable your checkout button.
+- `onCardBrandChanged` (`(event: { brand: CardBrand | null }) => void`) — called when the detected card brand changes. `brand` is `"visa"`, `"mastercard"`, `"amex"`, `"discover"`, `"diners"`, or `"jcb"`, or `null` when the field is empty or the number does not match a known brand. Does not include PCI data. Credit-card form only.
 - `onHeightChange`, `onAppearanceReady` (advanced — override the default iframe styling logic). The skeleton is removed and the iframe faded in when `onAppearanceReady` fires.
 
 **Returns** `AmosPaymentMethodFormMountController`:
@@ -297,16 +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) => {
     /* … */
   },
@@ -415,7 +416,7 @@ Advanced helpers exposed for integrators that need to construct or inspect the m
 
 ### Exported types
 
-`ConfirmationResult`, `ConfirmationIncompleteReason`, `Message`, `Appearance`, `ThemeVariable`, `FormattedGooglePayPaymentData`, `PaymentMethodFormValidityChangeEvent`, plus the per-form `*Options` and `*Controller` types. For OpenAPI schema types, import `components` from `@amos.com/node`.
+`ConfirmationResult`, `ConfirmationIncompleteReason`, `Message`, `Appearance`, `ThemeVariable`, `FormattedGooglePayPaymentData`, `PaymentMethodFormValidityChangeEvent`, `CardBrand`, `PaymentMethodFormCardBrandChangeEvent`, plus the per-form `*Options` and `*Controller` types. For OpenAPI schema types, import `components` from `@amos.com/node`.
 
 ## Notes and potential gotchas
 

package/dist/index.d.ts

@@ -13,5 +13,5 @@ export type { BillingAddressRequirement, CreditCardAdditionalFields, PaymentMeth
 export { attachPaymentMethodFormListeners, getBankAccountFormInitialHeight, getBankAccountFormSrc, getCreditCardFormInitialHeight, getCreditCardFormSrc, } from './payment-method-form';
 export type { OpenPlaidLinkInput, PlaidCredentials, PlaidLinkOnSuccessMetadata, } from './plaid';
 export { linkedBankLabelFromMetadata, loadPlaidScript, openPlaidLink, plaidAccountIdFromMetadata, requiresAchVerification, } from './plaid';
-export type { Appearance, AppearanceLabels, ApplePayButtonElementProps, ConfirmationIncompleteReason, ConfirmationResult, GooglePayButtonElementProps, Message, PaymentMethodFormValidityChangeEvent, ThemeVariable, } from './types';
+export type { Appearance, AppearanceLabels, ApplePayButtonElementProps, CardBrand, ConfirmationIncompleteReason, ConfirmationResult, GooglePayButtonElementProps, Message, PaymentMethodFormCardBrandChangeEvent, PaymentMethodFormValidityChangeEvent, ThemeVariable, } from './types';
 export { createMessage } from './types';

package/dist/index.js

@@ -65,7 +65,7 @@ Object.defineProperty(exports,Symbol.toStringTag,{value:`Module`});var e=`data-a
     animation: none;
   }
 }
-`;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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I(e?.borderRadius)??I(t?.buttonRadius)??I(t?.style?.borderRadius)??I(t?.style?.[`--apple-pay-button-border-radius`])??`4px`}function R(e){return`${i(e)}/iframe/google-pay?token=${e}`}function z(){return`48px`}function B(e,{height:t=`48px`,...n}){let r={...n,height:t};function i(){h({iframe:e,amount:r.amount})}function a(){g({iframe:e,merchantName:r.merchantName})}function o(){m({iframe:e,height:r.height??`48px`,props:r.buttonProps??{}})}function s(t){if(t.source===e.contentWindow)switch(t.data.type){case`IFRAME_READY`:d(e),f({iframe:e,appearance:{}}),i(),a(),o();break;case`UPDATE_HEIGHT`:r.onHeightChange?.(t.data.height);break;case`UPDATE_APPEARANCE`:f({iframe:e,appearance:t.data.appearance});break;case`UPDATED_APPEARANCE`:r.onAppearanceReady?.();break;case`CREATE_PAYMENT_INTENT`:r.onInitiatePaymentIntentRequest({paymentIntentCreateAttributes:t.data.paymentIntentCreateAttributes,customerCreateAttributes:t.data.customerCreateAttributes}).then(t=>{S({iframe:e,token:t})}).catch(e=>{r.onResult({status:`failed`,errorMessage:e instanceof Error?e.message:`Unknown error`})});break;case`CONFIRMATION_RESULT`:r.onResult(t.data.result)}}return window.addEventListener(`message`,s),{update(e){let t=`amount`in e,n=`merchantName`in e,s=`height`in e||`buttonProps`in e;r={...r,...e},t&&i(),n&&a(),s&&o()},destroy(){window.removeEventListener(`message`,s)}}}function oe({paymentData:e}){return{paymentMethod:{type:`googlepay`,billing_address_attributes:{name:e.shippingAddress?.name,address_line1:e.shippingAddress?.address1,address_line2:e.shippingAddress?.address2,city:e.shippingAddress?.locality,state:e.shippingAddress?.administrativeArea,postal_code:e.shippingAddress?.postalCode,country:e.shippingAddress?.countryCode,email:e.email,phone:e.shippingAddress?.phoneNumber},card_profile_attributes:{wallet_payload:e.paymentMethodData.tokenizationData.token}}}}var V={country:212,full:452},se=80,H={country:400,full:640};function U(e,t={cardholderName:!1},n=`country`){let r=Object.entries(t).filter(([,e])=>e).map(([e])=>e).join(`,`),a=new URLSearchParams({token:e,additionalFields:r,billingAddressRequirement:n});return`${i(e)}/iframe/card?${a}`}function W(e,t=`country`){let n=new URLSearchParams({token:e,billingAddressRequirement:t});return`${i(e)}/iframe/bank?${n}`}function G(e={cardholderName:!1},t=`country`){return`${(V[t]??V.country)+(e.cardholderName?se:0)}px`}function K(e=`country`){return`${H[e]??H.country}px`}function q(e,t){let n={...t};function r(t){if(t.source===e.contentWindow)switch(t.data.type){case`IFRAME_READY`:d(e),f({iframe:e,appearance:n.appearance});break;case`UPDATE_HEIGHT`:n.onHeightChange?.(t.data.height);break;case`UPDATE_APPEARANCE`:f({iframe:e,appearance:t.data.appearance});break;case`UPDATED_APPEARANCE`:n.onAppearanceReady?.();break;case`FORM_VALIDITY_CHANGE`:if(s(e)?.requiresVerification)break;n.onValidityChange?.({isValid:t.data.isValid});break;case`CONFIRMATION_RESULT`:n.onResult(t.data.result)}}return window.addEventListener(`message`,r),{update(t){let r=`appearance`in t;n={...n,...t},r&&f({iframe:e,appearance:n.appearance})},destroy(){window.removeEventListener(`message`,r)}}}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}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=`
+`;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 ie(e){let t=e.appearance?.labels??`above`,n=e.billingAddressRequirement??`country`;if(e.kind===`card`){let r=[N(t),P([N(t),N(t)],!1)];return e.additionalFields?.cardholderName&&r.push(N(t)),r.push(...re({labels:t,requirement:n,wrapCountryZip:!1})),r}return[N(t),P([N(t),N(t)],!0),N(t),P([N(`above`),N(`above`)],!0),...re({labels:t,requirement:n,wrapCountryZip:!0})]}function ae(e){A();let t=M(`amos-js-form-skeleton`);t.setAttribute(`aria-hidden`,`true`);function n(e){j(t,e.appearance),t.replaceChildren(...ie(e))}return n(e),{element:t,update:n}}function F(e){A();let t=M(`amos-js-form-skeleton-input amos-js-wallet-skeleton`);t.setAttribute(`aria-hidden`,`true`);function n(e){j(t,void 0),t.style.height=e.height,t.style.borderRadius=e.borderRadius??`4px`}return n(e),{element:t,update:n}}function I(e){if(typeof e==`number`&&Number.isFinite(e))return`${e}px`;if(typeof e==`string`&&e.trim()!==``)return e.trim()}function L({iframeStyle:e,buttonProps:t}){return I(e?.borderRadius)??I(t?.buttonRadius)??I(t?.style?.borderRadius)??I(t?.style?.[`--apple-pay-button-border-radius`])??`4px`}function R(e){return`${i(e)}/iframe/google-pay?token=${e}`}function z(){return`48px`}function B(e,{height:t=`48px`,...n}){let r={...n,height:t};function i(){h({iframe:e,amount:r.amount})}function a(){g({iframe:e,merchantName:r.merchantName})}function o(){m({iframe:e,height:r.height??`48px`,props:r.buttonProps??{}})}function s(t){if(t.source===e.contentWindow)switch(t.data.type){case`IFRAME_READY`:d(e),f({iframe:e,appearance:{}}),i(),a(),o();break;case`UPDATE_HEIGHT`:r.onHeightChange?.(t.data.height);break;case`UPDATE_APPEARANCE`:f({iframe:e,appearance:t.data.appearance});break;case`UPDATED_APPEARANCE`:r.onAppearanceReady?.();break;case`CREATE_PAYMENT_INTENT`:r.onInitiatePaymentIntentRequest({paymentIntentCreateAttributes:t.data.paymentIntentCreateAttributes,customerCreateAttributes:t.data.customerCreateAttributes}).then(t=>{S({iframe:e,token:t})}).catch(e=>{r.onResult({status:`failed`,errorMessage:e instanceof Error?e.message:`Unknown error`})});break;case`CONFIRMATION_RESULT`:r.onResult(t.data.result)}}return window.addEventListener(`message`,s),{update(e){let t=`amount`in e,n=`merchantName`in e,s=`height`in e||`buttonProps`in e;r={...r,...e},t&&i(),n&&a(),s&&o()},destroy(){window.removeEventListener(`message`,s)}}}function oe({paymentData:e}){return{paymentMethod:{type:`googlepay`,billing_address_attributes:{name:e.shippingAddress?.name,address_line1:e.shippingAddress?.address1,address_line2:e.shippingAddress?.address2,city:e.shippingAddress?.locality,state:e.shippingAddress?.administrativeArea,postal_code:e.shippingAddress?.postalCode,country:e.shippingAddress?.countryCode,email:e.email,phone:e.shippingAddress?.phoneNumber},card_profile_attributes:{wallet_payload:e.paymentMethodData.tokenizationData.token}}}}var V={country:212,full:452},se=80,H={country:400,full:640};function U(e,t={cardholderName:!1},n=`country`){let r=Object.entries(t).filter(([,e])=>e).map(([e])=>e).join(`,`),a=new URLSearchParams({token:e,additionalFields:r,billingAddressRequirement:n});return`${i(e)}/iframe/card?${a}`}function W(e,t=`country`){let n=new URLSearchParams({token:e,billingAddressRequirement:t});return`${i(e)}/iframe/bank?${n}`}function G(e={cardholderName:!1},t=`country`){return`${(V[t]??V.country)+(e.cardholderName?se:0)}px`}function K(e=`country`){return`${H[e]??H.country}px`}function q(e,t){let n={...t};function r(t){if(t.source===e.contentWindow)switch(t.data.type){case`IFRAME_READY`:d(e),f({iframe:e,appearance:n.appearance});break;case`UPDATE_HEIGHT`:n.onHeightChange?.(t.data.height);break;case`UPDATE_APPEARANCE`:f({iframe:e,appearance:t.data.appearance});break;case`UPDATED_APPEARANCE`:n.onAppearanceReady?.();break;case`FORM_VALIDITY_CHANGE`:if(s(e)?.requiresVerification)break;n.onValidityChange?.({isValid:t.data.isValid});break;case`CARD_BRAND_CHANGE`:n.onCardBrandChanged?.({brand:t.data.brand});break;case`CONFIRMATION_RESULT`:n.onResult(t.data.result)}}return window.addEventListener(`message`,r),{update(t){let r=`appearance`in t;n={...n,...t},r&&f({iframe:e,appearance:n.appearance})},destroy(){window.removeEventListener(`message`,r)}}}var J=`https://cdn.plaid.com/link/v2/stable/link-initialize.js`;function 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`,...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

@@ -578,6 +578,9 @@ function q(e, t) {
 				if (s(e)?.requiresVerification) break;
 				n.onValidityChange?.({ isValid: t.data.isValid });
 				break;
+			case "CARD_BRAND_CHANGE":
+				n.onCardBrandChanged?.({ brand: t.data.brand });
+				break;
 			case "CONFIRMATION_RESULT": n.onResult(t.data.result);
 		}
 	}
@@ -601,7 +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;
@@ -670,7 +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");
@@ -765,7 +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;
 			}
@@ -939,7 +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/payment-method-form.d.ts

@@ -1,4 +1,4 @@
-import { Appearance, ConfirmationResult, PaymentMethodFormValidityChangeEvent } from './types';
+import { Appearance, ConfirmationResult, PaymentMethodFormCardBrandChangeEvent, PaymentMethodFormValidityChangeEvent } from './types';
 /**
  * The additional fields beyond the standard card number, expiration
  * date, CVV, and billing address fields that are required to be filled
@@ -65,6 +65,13 @@ export type PaymentMethodFormListenerOptions = {
      * PCI data. Use this to enable or disable a host checkout button.
      */
     onValidityChange?: (event: PaymentMethodFormValidityChangeEvent) => void;
+    /**
+     * Called when the detected card brand changes. `brand` is the matched
+     * network, or `null` when the field is empty or the digits do not
+     * match a known brand. Does not include PCI data. Credit-card form
+     * only — never fired for bank account.
+     */
+    onCardBrandChanged?: (event: PaymentMethodFormCardBrandChangeEvent) => void;
     /**
      * Called when the interactive confirmation flow finishes (success or
      * terminal failure). Not settlement proof — verify via webhooks.

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

@@ -7,6 +7,18 @@ import { components } from '@amos.com/node';
 export type PaymentMethodFormValidityChangeEvent = {
     isValid: boolean;
 };
+/**
+ * Detected card network from the PAN prefix inside the iframe.
+ * `null` when the field is empty or the digits do not match a known brand.
+ */
+export type CardBrand = "visa" | "mastercard" | "amex" | "discover" | "diners" | "jcb";
+/**
+ * PCI-safe card brand update from the credit-card iframe. Does not
+ * include the PAN, last4, or BIN.
+ */
+export type PaymentMethodFormCardBrandChangeEvent = {
+    brand: CardBrand | null;
+};
 /**
  * Why an interactive confirmation attempt ended with `status: "incomplete"`.
  *
@@ -226,6 +238,14 @@ export type Message = {
      */
     type: "FORM_VALIDITY_CHANGE";
     isValid: boolean;
+} | {
+    /**
+     * Embed → parent: detected card brand changed. `brand` is the
+     * matched network, or `null` when the field is empty or the
+     * digits do not match a known brand. Does not include PCI data.
+     */
+    type: "CARD_BRAND_CHANGE";
+    brand: CardBrand | null;
 } | {
     /**
      * Embed → parent: merchant ACH verification threshold for this

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@amos.com/amos-js",
-  "version": "0.9.18",
+  "version": "0.10.1",
   "main": "dist/index.js",
   "repository": {
     "type": "git",

package/src/index.ts

@@ -94,10 +94,12 @@ export type {
   Appearance,
   AppearanceLabels,
   ApplePayButtonElementProps,
+  CardBrand,
   ConfirmationIncompleteReason,
   ConfirmationResult,
   GooglePayButtonElementProps,
   Message,
+  PaymentMethodFormCardBrandChangeEvent,
   PaymentMethodFormValidityChangeEvent,
   ThemeVariable,
 } from "./types";

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/payment-method-form.ts

@@ -8,6 +8,7 @@ import type {
   Appearance,
   ConfirmationResult,
   Message,
+  PaymentMethodFormCardBrandChangeEvent,
   PaymentMethodFormValidityChangeEvent,
 } from "./types";
 
@@ -138,6 +139,13 @@ export type PaymentMethodFormListenerOptions = {
    * PCI data. Use this to enable or disable a host checkout button.
    */
   onValidityChange?: (event: PaymentMethodFormValidityChangeEvent) => void;
+  /**
+   * Called when the detected card brand changes. `brand` is the matched
+   * network, or `null` when the field is empty or the digits do not
+   * match a known brand. Does not include PCI data. Credit-card form
+   * only — never fired for bank account.
+   */
+  onCardBrandChanged?: (event: PaymentMethodFormCardBrandChangeEvent) => void;
   /**
    * Called when the interactive confirmation flow finishes (success or
    * terminal failure). Not settlement proof — verify via webhooks.
@@ -210,6 +218,10 @@ export function attachPaymentMethodFormListeners(
         current.onValidityChange?.({ isValid: event.data.isValid });
         break;
 
+      case "CARD_BRAND_CHANGE":
+        current.onCardBrandChanged?.({ brand: event.data.brand });
+        break;
+
       case "CONFIRMATION_RESULT":
         current.onResult(event.data.result);
         break;

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

@@ -11,6 +11,26 @@ export type PaymentMethodFormValidityChangeEvent = {
   isValid: boolean;
 };
 
+/**
+ * Detected card network from the PAN prefix inside the iframe.
+ * `null` when the field is empty or the digits do not match a known brand.
+ */
+export type CardBrand =
+  | "visa"
+  | "mastercard"
+  | "amex"
+  | "discover"
+  | "diners"
+  | "jcb";
+
+/**
+ * PCI-safe card brand update from the credit-card iframe. Does not
+ * include the PAN, last4, or BIN.
+ */
+export type PaymentMethodFormCardBrandChangeEvent = {
+  brand: CardBrand | null;
+};
+
 /**
  * Why an interactive confirmation attempt ended with `status: "incomplete"`.
  *
@@ -505,6 +525,15 @@ export type Message =
       type: "FORM_VALIDITY_CHANGE";
       isValid: boolean;
     }
+  | {
+      /**
+       * Embed → parent: detected card brand changed. `brand` is the
+       * matched network, or `null` when the field is empty or the
+       * digits do not match a known brand. Does not include PCI data.
+       */
+      type: "CARD_BRAND_CHANGE";
+      brand: CardBrand | null;
+    }
   | {
       /**
        * Embed → parent: merchant ACH verification threshold for this