@amos.com/react-amos-js 0.11.2 → 0.11.3

package/README.md

@@ -64,7 +64,7 @@ Setup intents are used to save payment methods for future use (e.g. recurring pa
 - On the client, `await confirmSetup({ iframeRef, token })` instead of `confirmPayment({ iframeRef, token })`.
 - Both resolve `{ status: "succeeded" | "failed" }`.
 
-The same `AmosCreditCardPaymentMethodForm` / `AmosBankAccountPaymentMethodForm` components 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).
+The same `AmosCreditCardPaymentMethodForm` / `AmosBankAccountPaymentMethodForm` components support both payment intents and setup intents — they are differentiated by which confirmation function you call. For bank setup, pass `intent="setup"` so Plaid is always shown (unless the render token disables verification).
 
 ## Understanding PCI DSS compliance requirements
 
@@ -82,7 +82,7 @@ In short, your app orchestrates the payment flow, while sensitive payment data s
 
 ## Appearance
 
-Card and bank components accept an optional `appearance` prop that controls the look of the iframe UI, and of the parent-page **Connect bank account** button when ACH verification is required. It contains a `themeVariables` object whose keys are CSS custom-property names and whose values are strings, and an optional `labels` setting for field label placement. You can update this prop after page load to update the iframe appearance. Wallet buttons do not take `appearance`.
+Card and bank components accept an optional `appearance` prop that controls the look of the iframe UI. It contains a `themeVariables` object whose keys are CSS custom-property names and whose values are strings, and an optional `labels` setting for field label placement. You can update this prop after page load to update the iframe appearance. Wallet buttons do not take `appearance`.
 
 ```tsx
 <AmosCreditCardPaymentMethodForm
@@ -151,7 +151,7 @@ Radio groups (e.g. account type) always use an above-style group label regardles
 | `--control-gap`                    | Horizontal gap between side-by-side controls             | `0.5rem`                        |
 | `--error-font-size`                | Font size of field-level error messages                  | `0.875rem`                      |
 | `--radio-size`                     | Size of radio buttons on the bank account form           | `1rem`                          |
-| `--ring`                           | Focus ring and outline color (inputs, Connect button)    | `oklch(0.708 0 0)`              |
+| `--ring`                           | Focus ring and outline color (inputs)                    | `oklch(0.708 0 0)`              |
 | `--ring-width`                     | Focus ring width                                         | `3px`                           |
 | `--radius`                         | Base border-radius (derived into sm/md/lg/xl)            | `0.625rem`                      |
 
@@ -486,25 +486,23 @@ Renders the secure credit card iframe form. A field-shaped skeleton is shown imm
 
 Renders the secure bank account iframe form. A field-shaped skeleton is shown immediately and replaced by the iframe once appearance is applied.
 
-When the charge meets the merchant’s ACH verification threshold, the SDK hides the routing/account iframe and renders a **Connect bank account** button in the parent page. The button follows the same outline/focus defaults as Amos UI (`--ring`, `--border`, `--radius`, `--input-height`, …): it inherits those CSS variables from the host page when present, and `appearance.themeVariables` overrides them the same way as the iframe. Clicking it asks the iframe to mint a Plaid Link token, then opens [Plaid Link](https://plaid.com/docs/link/web/). Hosts do not proxy Pay API (`GET /merchants`, `POST /plaid_link_tokens`); embed does that with `PAY_API_KEY`. Do not put Plaid secrets in the browser.
+When `requireAchVerification` is true (or `intent` is `"setup"`), and the render token allows verification, the SDK hides the routing/account iframe and mounts [Plaid Embedded Institution Search](https://plaid.com/docs/link/embedded-institution-search/) in the parent. Hosts do not proxy Pay API (`GET /merchants`, `POST /plaid_link_tokens`); embed does that with `PAY_API_KEY`. Do not put Plaid secrets in the browser.
 
-**Required props:** same as `AmosCreditCardPaymentMethodForm` — `renderToken` — plus:
+**Required props:** same as `AmosCreditCardPaymentMethodForm` — `renderToken`.
 
-- `amount` (`string`, major-currency decimal, e.g. `"50.00"`, 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 a new `amount` when the customer changes the charge.
-- `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.
+**Optional props:** same as `AmosCreditCardPaymentMethodForm` — `appearance`, `billingAddressRequirement`, `onValidityChange` (`isValid` is also true after Plaid returns credentials) — plus:
 
-**Optional props:** same as `AmosCreditCardPaymentMethodForm` — `appearance`, `billingAddressRequirement`, `onValidityChange` (`isValid` is also true after Plaid Link returns credentials).
-
-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.
+- `requireAchVerification` (`boolean`, defaults to `false`) — when true, show Plaid Embedded Link instead of routing/account fields. Ignored for `intent="setup"` (always Plaid) and when the render token has bank `verification: false`. Hosts that still have an ACH threshold should compute this themselves and pass a new value when the charge changes.
+- `intent` (`"payment" | "setup"`, defaults to `"payment"`) — `"setup"` always shows Plaid unless the render token disables verification. Use this when saving a bank account for later charges.
 
 ```tsx
 <AmosBankAccountPaymentMethodForm
   renderToken={renderToken}
-  amount="50.00" // defaults to "0" (manual form until the charge meets the threshold)
+  requireAchVerification
 />
 ```
 
-Setup (always Connect, no merchant lookup):
+Setup (always Plaid, unless the render token disables verification):
 
 ```tsx
 <AmosBankAccountPaymentMethodForm
@@ -591,8 +589,8 @@ Re-exports of the same advanced helpers exposed by `@amos.com/amos-js`. Most int
 - **`ref` / `iframeRef`**: for card and bank forms, pass `ref={iframeRef}` to the form component. The same `iframeRef` must be used when calling `validateForm`, `confirmPayment`, `confirmSetup`, or `resetForm`. The component forwards the ref to the inner iframe.
 - **`confirmPayment` / `confirmSetup` are not settlement proof**: `{ status: "succeeded" }` means authorization succeeded (capture may still finish asynchronously). Verify payment or setup success on your backend via webhooks. Recoverable field errors stay in the iframe; the Promise still resolves `{ status: "failed" }`.
 - **Same components for payment vs setup intents**: `AmosCreditCardPaymentMethodForm` and `AmosBankAccountPaymentMethodForm` support both payment intents and setup intents. The flow differs only by which server call you make and which confirmation function you use (`confirmPayment` vs `confirmSetup`).
-- **Amount format**: for `AmosGooglePayButton`, `AmosApplePayButton`, and `AmosBankAccountPaymentMethodForm`, `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 `onConfirm`), `amount` is a number in cents (e.g. `5000`).
-- **Plaid Link (ACH verification)**: load `cdn.plaid.com` from the **parent** document (see CSP on `AmosBankAccountPaymentMethodForm`). 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.
+- **Amount format**: for `AmosGooglePayButton` and `AmosApplePayButton`, `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 `onConfirm`), `amount` is a number in cents (e.g. `5000`).
+- **Plaid Embedded Link (ACH verification)**: load `cdn.plaid.com` from the **parent** document (see CSP on `AmosBankAccountPaymentMethodForm`). Merchants do not proxy Pay API; the bank iframe mints link tokens. Pass `requireAchVerification` when the host wants Plaid, or `intent="setup"` to always show it, 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), `AmosApplePayButton` 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.
 - **Going framework-free**: if you need to use Amos outside of React (vanilla JS, another framework, etc.), use [`@amos.com/amos-js`](../amos-js) directly.
 

package/dist/index.d.ts

@@ -69,37 +69,32 @@ type AmosBankAccountPaymentMethodFormProps = IframePassthroughProps & {
     appearance?: Appearance;
     /**
      * Called when form validity changes. `isValid` is true when all
-     * required fields are present and valid, or when Plaid Link has
-     * returned credentials. Does not include PCI data.
+     * required fields are present and valid, or when Plaid Embedded Link
+     * has returned credentials. Does not include PCI data.
      */
     onValidityChange?: (event: {
         isValid: boolean;
     }) => void;
     billingAddressRequirement?: BillingAddressRequirement;
     /**
-     * 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. Defaults to
-     * `"0"`, which is typically under the threshold so Connect / Plaid
-     * stays hidden until the host passes a real charge.
+     * When true, hide the routing/account iframe and mount Plaid Embedded
+     * Institution Search in the parent. Ignored when `intent` is `"setup"`
+     * (setup always shows Plaid) or when the render token disables
+     * verification.
      *
-     * Ignored when {@link AmosBankAccountPaymentMethodFormProps.intent} is
-     * `"setup"`.
-     *
-     * @default "0"
+     * @default false
      */
-    amount?: string;
+    requireAchVerification?: boolean;
     /**
      * `"setup"` saves a bank account for later charges and always shows
-     * Connect / Plaid (no merchant threshold lookup). `"payment"`
-     * compares {@link AmosBankAccountPaymentMethodFormProps.amount} to the
-     * merchant ACH threshold.
+     * Plaid (unless the render token disables verification). `"payment"`
+     * uses {@link AmosBankAccountPaymentMethodFormProps.requireAchVerification}.
      *
      * @default "payment"
      */
     intent?: "payment" | "setup";
 };
-export declare function AmosBankAccountPaymentMethodForm({ ref, renderToken, appearance, onValidityChange, billingAddressRequirement, amount, intent, style, ...rest }: AmosBankAccountPaymentMethodFormProps): import("react").JSX.Element;
+export declare function AmosBankAccountPaymentMethodForm({ ref, renderToken, appearance, onValidityChange, billingAddressRequirement, requireAchVerification, intent, style, ...rest }: AmosBankAccountPaymentMethodFormProps): import("react").JSX.Element;
 type AmosGooglePayButtonProps = {
     ref?: ForwardedIframeRef;
     renderToken: string;

package/dist/index.js

@@ -1 +1 @@
-Object.defineProperty(exports,Symbol.toStringTag,{value:`Module`});let e=require("@amos.com/amos-js"),t=require("react"),n=require("react/jsx-runtime");function r(e){return e?e.current??null:null}function i({iframeRef:t}){return(0,e.validateForm)({iframe:r(t)})}function a({iframeRef:t,token:n}){return(0,e.confirmPayment)({iframe:r(t),token:n})}function o({iframeRef:t,token:n}){return(0,e.confirmSetup)({iframe:r(t),token:n})}function s({iframeRef:t}){(0,e.resetForm)({iframe:r(t)})}function c(e,t){typeof e==`function`?e(t):e&&(e.current=t)}function l(e,{style:t,className:n,id:r,...i}){n!=null&&(e.className=n),r!=null&&(e.id=r),Object.assign(e.style,t);for(let[t,n]of Object.entries(i))n!=null&&(t in e?Reflect.set(e,t,n):e.setAttribute(t,String(n)))}function u({containerRef:e,iframeRef:n,mount:r,options:i,remountDeps:a,iframePassthrough:o,updateDeps:s}){let u=(0,t.useRef)(null);(0,t.useLayoutEffect)(()=>{let t=e.current;if(!t)return;let a=r(t,i);return u.current=a,c(n,a.iframe),l(a.iframe,o),()=>{a.destroy(),u.current=null,c(n,null)}},[...a]),(0,t.useEffect)(()=>{u.current?.update(i)},[...s]),(0,t.useEffect)(()=>{let e=u.current?.iframe;e&&l(e,o)})}var d=`oklch(0.97 0 0)`;function f({height:r,borderRadius:i,containerRef:a}){return(0,t.useLayoutEffect)(()=>{(0,e.ensureSkeletonStyles)()},[]),(0,n.jsxs)(`div`,{style:{boxSizing:`border-box`,position:`relative`,width:`100%`,height:r,minHeight:r,overflow:`hidden`},children:[(0,n.jsx)(`div`,{className:`amos-js-form-skeleton-input amos-js-wallet-skeleton`,style:{position:`absolute`,inset:0,height:r,borderRadius:i,background:d,pointerEvents:`none`,zIndex:0},"aria-hidden":!0}),(0,n.jsx)(`div`,{ref:a,style:{position:`absolute`,inset:0,zIndex:1,width:`100%`,height:`100%`}})]})}function p({ref:r,renderToken:i,appearance:a,onValidityChange:o,onCardBrandChanged:s,additionalFields:c={cardholderName:!1},billingAddressRequirement:l=`country`,style:d,...f}){let p=(0,t.useRef)(null);return u({containerRef:p,iframeRef:r,mount:e.mountAmosCreditCardPaymentMethodForm,options:{renderToken:i,appearance:a,additionalFields:c,billingAddressRequirement:l,onValidityChange:o,onCardBrandChanged:s},remountDeps:[i,c.cardholderName,l],iframePassthrough:{style:d,...f},updateDeps:[a,c,l,o,s]}),(0,n.jsx)(`div`,{ref:p})}function m({ref:r,renderToken:i,appearance:a,onValidityChange:o,billingAddressRequirement:s=`country`,amount:c=`0`,intent:l=`payment`,style:d,...f}){let p=(0,t.useRef)(null);return u({containerRef:p,iframeRef:r,mount:e.mountAmosBankAccountPaymentMethodForm,options:{renderToken:i,appearance:a,billingAddressRequirement:s,amount:c,intent:l,onValidityChange:o},remountDeps:[i,s,l],iframePassthrough:{style:d,...f},updateDeps:[a,s,c,l,o]}),(0,n.jsx)(`div`,{ref:p})}function h({ref:r,renderToken:i,amount:a,merchantName:o,height:s=`48px`,buttonProps:c,iframeProps:l,onConfirm:d}){let p=(0,t.useRef)(null),m=(0,e.resolveWalletButtonSkeletonBorderRadius)({iframeStyle:l?.style,buttonProps:c});return u({containerRef:p,iframeRef:r,mount:e.mountAmosGooglePayButton,options:{renderToken:i,amount:a,merchantName:o,height:s,buttonProps:c,onConfirm:d},remountDeps:[i],iframePassthrough:l??{},updateDeps:[a,o,s,c,d]}),(0,n.jsx)(f,{height:s,borderRadius:m,containerRef:p})}function g({ref:r,renderToken:i,amount:a,merchantName:o,height:s=`48px`,buttonProps:c,iframeProps:l,onConfirm:d}){let p=(0,t.useRef)(null),m=(0,e.resolveWalletButtonSkeletonBorderRadius)({iframeStyle:l?.style,buttonProps:c});return u({containerRef:p,iframeRef:r,mount:e.mountAmosApplePayButton,options:{renderToken:i,amount:a,merchantName:o,height:s,buttonProps:c,onConfirm:d},remountDeps:[i],iframePassthrough:l??{},updateDeps:[a,o,s,c,d]}),(0,n.jsx)(f,{height:s,borderRadius:m,containerRef:p})}exports.AmosApplePayButton=g,exports.AmosBankAccountPaymentMethodForm=m,exports.AmosCreditCardPaymentMethodForm=p,exports.AmosGooglePayButton=h,exports.confirmPayment=a,exports.confirmSetup=o,exports.resetForm=s,exports.validateForm=i,Object.keys(e).forEach(function(t){t!=="default"&&!Object.prototype.hasOwnProperty.call(exports,t)&&Object.defineProperty(exports,t,{enumerable:!0,get:function(){return e[t]}})});
+Object.defineProperty(exports,Symbol.toStringTag,{value:`Module`});let e=require("@amos.com/amos-js"),t=require("react"),n=require("react/jsx-runtime");function r(e){return e?e.current??null:null}function i({iframeRef:t}){return(0,e.validateForm)({iframe:r(t)})}function a({iframeRef:t,token:n}){return(0,e.confirmPayment)({iframe:r(t),token:n})}function o({iframeRef:t,token:n}){return(0,e.confirmSetup)({iframe:r(t),token:n})}function s({iframeRef:t}){(0,e.resetForm)({iframe:r(t)})}function c(e,t){typeof e==`function`?e(t):e&&(e.current=t)}function l(e,{style:t,className:n,id:r,...i}){n!=null&&(e.className=n),r!=null&&(e.id=r),Object.assign(e.style,t);for(let[t,n]of Object.entries(i))n!=null&&(t in e?Reflect.set(e,t,n):e.setAttribute(t,String(n)))}function u({containerRef:e,iframeRef:n,mount:r,options:i,remountDeps:a,iframePassthrough:o,updateDeps:s}){let u=(0,t.useRef)(null);(0,t.useLayoutEffect)(()=>{let t=e.current;if(!t)return;let a=r(t,i);return u.current=a,c(n,a.iframe),l(a.iframe,o),()=>{a.destroy(),u.current=null,c(n,null)}},[...a]),(0,t.useEffect)(()=>{u.current?.update(i)},[...s]),(0,t.useEffect)(()=>{let e=u.current?.iframe;e&&l(e,o)})}var d=`oklch(0.97 0 0)`;function f({height:r,borderRadius:i,containerRef:a}){return(0,t.useLayoutEffect)(()=>{(0,e.ensureSkeletonStyles)()},[]),(0,n.jsxs)(`div`,{style:{boxSizing:`border-box`,position:`relative`,width:`100%`,height:r,minHeight:r,overflow:`hidden`},children:[(0,n.jsx)(`div`,{className:`amos-js-form-skeleton-input amos-js-wallet-skeleton`,style:{position:`absolute`,inset:0,height:r,borderRadius:i,background:d,pointerEvents:`none`,zIndex:0},"aria-hidden":!0}),(0,n.jsx)(`div`,{ref:a,style:{position:`absolute`,inset:0,zIndex:1,width:`100%`,height:`100%`}})]})}function p({ref:r,renderToken:i,appearance:a,onValidityChange:o,onCardBrandChanged:s,additionalFields:c={cardholderName:!1},billingAddressRequirement:l=`country`,style:d,...f}){let p=(0,t.useRef)(null);return u({containerRef:p,iframeRef:r,mount:e.mountAmosCreditCardPaymentMethodForm,options:{renderToken:i,appearance:a,additionalFields:c,billingAddressRequirement:l,onValidityChange:o,onCardBrandChanged:s},remountDeps:[i,c.cardholderName,l],iframePassthrough:{style:d,...f},updateDeps:[a,c,l,o,s]}),(0,n.jsx)(`div`,{ref:p})}function m({ref:r,renderToken:i,appearance:a,onValidityChange:o,billingAddressRequirement:s=`country`,requireAchVerification:c=!1,intent:l=`payment`,style:d,...f}){let p=(0,t.useRef)(null);return u({containerRef:p,iframeRef:r,mount:e.mountAmosBankAccountPaymentMethodForm,options:{renderToken:i,appearance:a,billingAddressRequirement:s,requireAchVerification:c,intent:l,onValidityChange:o},remountDeps:[i,s,l],iframePassthrough:{style:d,...f},updateDeps:[a,s,c,l,o]}),(0,n.jsx)(`div`,{ref:p})}function h({ref:r,renderToken:i,amount:a,merchantName:o,height:s=`48px`,buttonProps:c,iframeProps:l,onConfirm:d}){let p=(0,t.useRef)(null),m=(0,e.resolveWalletButtonSkeletonBorderRadius)({iframeStyle:l?.style,buttonProps:c});return u({containerRef:p,iframeRef:r,mount:e.mountAmosGooglePayButton,options:{renderToken:i,amount:a,merchantName:o,height:s,buttonProps:c,onConfirm:d},remountDeps:[i],iframePassthrough:l??{},updateDeps:[a,o,s,c,d]}),(0,n.jsx)(f,{height:s,borderRadius:m,containerRef:p})}function g({ref:r,renderToken:i,amount:a,merchantName:o,height:s=`48px`,buttonProps:c,iframeProps:l,onConfirm:d}){let p=(0,t.useRef)(null),m=(0,e.resolveWalletButtonSkeletonBorderRadius)({iframeStyle:l?.style,buttonProps:c});return u({containerRef:p,iframeRef:r,mount:e.mountAmosApplePayButton,options:{renderToken:i,amount:a,merchantName:o,height:s,buttonProps:c,onConfirm:d},remountDeps:[i],iframePassthrough:l??{},updateDeps:[a,o,s,c,d]}),(0,n.jsx)(f,{height:s,borderRadius:m,containerRef:p})}exports.AmosApplePayButton=g,exports.AmosBankAccountPaymentMethodForm=m,exports.AmosCreditCardPaymentMethodForm=p,exports.AmosGooglePayButton=h,exports.confirmPayment=a,exports.confirmSetup=o,exports.resetForm=s,exports.validateForm=i,Object.keys(e).forEach(function(t){t!=="default"&&!Object.prototype.hasOwnProperty.call(exports,t)&&Object.defineProperty(exports,t,{enumerable:!0,get:function(){return e[t]}})});

package/dist/index.mjs

@@ -116,7 +116,7 @@ function T({ ref: e, renderToken: t, appearance: n, onValidityChange: r, onCardB
 		]
 	}), /* @__PURE__ */ p("div", { ref: u });
 }
-function E({ ref: e, renderToken: t, appearance: n, onValidityChange: r, billingAddressRequirement: a = "country", amount: o = "0", intent: s = "payment", style: c, ...l }) {
+function E({ ref: e, renderToken: t, appearance: n, onValidityChange: r, billingAddressRequirement: a = "country", requireAchVerification: o = !1, intent: s = "payment", style: c, ...l }) {
 	let u = f(null);
 	return S({
 		containerRef: u,
@@ -126,7 +126,7 @@ function E({ ref: e, renderToken: t, appearance: n, onValidityChange: r, billing
 			renderToken: t,
 			appearance: n,
 			billingAddressRequirement: a,
-			amount: o,
+			requireAchVerification: o,
 			intent: s,
 			onValidityChange: r
 		},

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@amos.com/react-amos-js",
-  "version": "0.11.2",
+  "version": "0.11.3",
   "main": "dist/index.js",
   "repository": {
     "type": "git",
@@ -48,7 +48,7 @@
     "vite-plugin-dts": "5.0.3"
   },
   "dependencies": {
-    "@amos.com/amos-js": "0.11.3",
+    "@amos.com/amos-js": "0.11.4",
     "@types/googlepay": "0.7.12"
   },
   "peerDependencies": {

package/src/index.tsx

@@ -325,29 +325,24 @@ type AmosBankAccountPaymentMethodFormProps = IframePassthroughProps & {
   appearance?: Appearance;
   /**
    * Called when form validity changes. `isValid` is true when all
-   * required fields are present and valid, or when Plaid Link has
-   * returned credentials. Does not include PCI data.
+   * required fields are present and valid, or when Plaid Embedded Link
+   * has returned credentials. Does not include PCI data.
    */
   onValidityChange?: (event: { isValid: boolean }) => void;
   billingAddressRequirement?: BillingAddressRequirement;
   /**
-   * 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. Defaults to
-   * `"0"`, which is typically under the threshold so Connect / Plaid
-   * stays hidden until the host passes a real charge.
+   * When true, hide the routing/account iframe and mount Plaid Embedded
+   * Institution Search in the parent. Ignored when `intent` is `"setup"`
+   * (setup always shows Plaid) or when the render token disables
+   * verification.
    *
-   * Ignored when {@link AmosBankAccountPaymentMethodFormProps.intent} is
-   * `"setup"`.
-   *
-   * @default "0"
+   * @default false
    */
-  amount?: string;
+  requireAchVerification?: boolean;
   /**
    * `"setup"` saves a bank account for later charges and always shows
-   * Connect / Plaid (no merchant threshold lookup). `"payment"`
-   * compares {@link AmosBankAccountPaymentMethodFormProps.amount} to the
-   * merchant ACH threshold.
+   * Plaid (unless the render token disables verification). `"payment"`
+   * uses {@link AmosBankAccountPaymentMethodFormProps.requireAchVerification}.
    *
    * @default "payment"
    */
@@ -360,7 +355,7 @@ export function AmosBankAccountPaymentMethodForm({
   appearance,
   onValidityChange,
   billingAddressRequirement = "country",
-  amount = "0",
+  requireAchVerification = false,
   intent = "payment",
   style,
   ...rest
@@ -375,7 +370,7 @@ export function AmosBankAccountPaymentMethodForm({
       renderToken,
       appearance,
       billingAddressRequirement,
-      amount,
+      requireAchVerification,
       intent,
       onValidityChange,
     },
@@ -384,7 +379,7 @@ export function AmosBankAccountPaymentMethodForm({
     updateDeps: [
       appearance,
       billingAddressRequirement,
-      amount,
+      requireAchVerification,
       intent,
       onValidityChange,
     ],