@crediblemark/buayar 0.3.2 → 0.5.1

package/dist/index.d.mts

@@ -184,6 +184,63 @@ interface CheckTransactionResult {
     error?: string;
     rawResponse: any;
 }
+interface RefundParams {
+    /** ID transaksi / capture / payment sebagai target refund (per provider) */
+    transactionId: string;
+    /** Nominal refund (opsional; default = full refund) */
+    amount?: number;
+    /** Alasan refund (opsional bila didukung provider) */
+    reason?: string;
+    /** Kode mata uang (opsional, untuk provider internasional) */
+    currency?: string;
+}
+interface RefundResult {
+    success: boolean;
+    /** Provider yang menyatakan operasi ini tidak tersedia */
+    supported: boolean;
+    provider?: string;
+    /** Reference / ID refund dari provider */
+    reference?: string;
+    /** Status refund dari provider (raw) */
+    status?: string;
+    error?: string;
+    rawResponse: any;
+}
+interface CheckBalanceResult {
+    success: boolean;
+    supported: boolean;
+    provider?: string;
+    /** Saldo merchant dalam satuan terkecil (minor unit) */
+    balance?: number;
+    /** Kode mata uang saldo (bila tersedia) */
+    currency?: string;
+    error?: string;
+    rawResponse: any;
+}
+interface DisburseParams {
+    /** ID unik merchant untuk mengidentifikasi transfer (merchantOrderId / externalId / partnerTrxId) */
+    externalId: string;
+    /** Kode bank tujuan (mis. 'bca', '014', 'BCA' — ikuti aturan provider) */
+    bankCode: string;
+    /** Nama pemilik rekening tujuan (wajib untuk beberapa provider) */
+    accountHolderName?: string;
+    /** Nomor rekening tujuan */
+    accountNumber: string;
+    /** Nominal transfer */
+    amount: number;
+    /** Deskripsi / tujuan transfer */
+    description?: string;
+}
+interface DisburseResult {
+    success: boolean;
+    supported: boolean;
+    provider?: string;
+    /** Reference / status transfer dari provider */
+    reference?: string;
+    status?: string;
+    error?: string;
+    rawResponse: any;
+}
 
 declare abstract class BasePaymentProvider {
     abstract readonly name: string;
@@ -934,6 +991,10 @@ declare class PaymentManager {
         enabled: string[];
         error?: string;
     }>;
+    private unsupported;
+    refund(providerName: string, params: RefundParams, config: ProviderConfig): Promise<RefundResult>;
+    checkBalance(providerName: string, config: ProviderConfig): Promise<CheckBalanceResult>;
+    disburse(providerName: string, params: DisburseParams, config: ProviderConfig): Promise<DisburseResult>;
 }
 declare const paymentManager: PaymentManager;
 
@@ -996,6 +1057,21 @@ declare class Buayar {
      */
     verifyWebhook(payload: any, headers?: Record<string, string | string[] | undefined>, configOverride?: Partial<ProviderConfig>): Promise<VerifyCallbackResult>;
     handleWebhook(payload: any, headers?: Record<string, string | string[] | undefined>, configOverride?: Partial<ProviderConfig>): Promise<VerifyCallbackResult>;
+    /**
+     * Unified Refund — berlaku untuk semua provider yang mendukung refund.
+     * Provider tanpa fitur refund mengembalikan `{ supported: false }`, bukan error.
+     */
+    refund(params: RefundParams, configOverride?: Partial<ProviderConfig>): Promise<RefundResult>;
+    /**
+     * Unified Check Balance — ambil saldo merchant dari provider aktif.
+     * Provider tanpa fitur balance mengembalikan `{ supported: false }`.
+     */
+    checkBalance(configOverride?: Partial<ProviderConfig>): Promise<CheckBalanceResult>;
+    /**
+     * Unified Disburse / Payout — transfer dana ke rekening bank tujuan.
+     * Provider tanpa fitur disbursement mengembalikan `{ supported: false }`.
+     */
+    disburse(params: DisburseParams, configOverride?: Partial<ProviderConfig>): Promise<DisburseResult>;
     getMidtransClient(configOverride?: Partial<ProviderConfig>): MidtransClient;
     getDuitkuClient(configOverride?: Partial<ProviderConfig>): DuitkuClient;
     getIpaymuClient(configOverride?: Partial<ProviderConfig>): IpaymuClient;
@@ -1403,4 +1479,4 @@ declare function safeCompare(a: string, b: string): boolean;
  */
 declare function getPaymentMethodCategory(code: string, name?: string): "Virtual Account" | "QRIS" | "E-Wallet" | "Retail / Gerai" | "Kartu Kredit" | "Paylater / Cicilan" | "Lainnya";
 
-export { AdyenClient, AdyenProvider, BasePaymentProvider, BraintreeClient, BraintreeProvider, Buayar, type BuayarConfig, CANONICAL_TO_DOKU, CANONICAL_TO_DUITKU, CANONICAL_TO_FASPAY, CANONICAL_TO_FINPAY, CANONICAL_TO_IPAYMU, CANONICAL_TO_MIDTRANS, CANONICAL_TO_NICEPAY, CANONICAL_TO_OY, CANONICAL_TO_PRISMALINK, CANONICAL_TO_STRIPE, CANONICAL_TO_XENDIT, CORE_API_METHODS, type CanonicalPaymentMethod, type CheckTransactionParams, type CheckTransactionResult, CheckoutComClient, CheckoutComProvider, type CreateInvoiceParams, type CustomerDetails, DUITKU_TO_CANONICAL, DokuClient, DokuProvider, DuitkuClient, type DuitkuDisbursementParams, DuitkuProvider, FaspayClient, FaspayProvider, FinpayClient, FinpayProvider, type GetPaymentMethodsParams, type GetPaymentMethodsResult, type InvoiceResponse, IpaymuClient, IpaymuProvider, MIDTRANS_PROBE_PAYLOADS, MIDTRANS_STATIC_METHODS, type MandiriBillInfo, MidtransClient, MidtransProvider, NicepayClient, NicepayProvider, OyClient, OyProvider, PaymentManager, type PaymentMethod, type PaymentMethodItem, PaypalClient, PaypalProvider, PayuClient, PayuProvider, PrismalinkClient, PrismalinkProvider, type ProviderConfig, RazorpayClient, RazorpayProvider, SquareClient, SquareProvider, StripeClient, StripeProvider, TwoCheckoutClient, TwoCheckoutProvider, type VerifyCallbackResult, XenditClient, type XenditDisbursementParams, XenditProvider, buayar, buildBraintreeBasicAuth, buildCoreChargePayload, buildPaypalBasicAuth, buildPayuBasicAuth, buildRazorpayBasicAuth, buildTwoCheckoutAuth, formatNicepayTimestamp, generateDokuHeaders, generateFaspaySignature, generateFinpaySignature, generateIpaymuSignature, generateNicepayToken, generateOyHeaders, generatePrismalinkSignature, getDuitkuInquirySignatures, getDuitkuPaymentMethodsSignature, getDuitkuStatusSignatures, getPaymentMethodCategory, getXenditAuthHeader, hmacSha256, md5, parseCoreChargeResponse, paymentManager, resolveConfigFromEnv, safeCompare, serializePaypalParams, serializeStripeParams, sha256, sha512, toCanonicalPaymentMethod, toDokuPaymentMethod, toDuitkuPaymentMethod, toFaspayPaymentMethod, toFinpayPaymentMethod, toIpaymuPaymentMethod, toNicepayPaymentMethod, toOyPaymentMethod, toPrismalinkPaymentMethod, toStripePaymentMethod, toXenditPaymentMethod, verifyAdyenWebhook, verifyBraintreeWebhook, verifyCheckoutComWebhook, verifyDokuWebhookSignature, verifyDuitkuCallbackSignature, verifyFaspaySignature, verifyFinpaySignature, verifyIpaymuCallback, verifyNicepayWebhook, verifyOyWebhook, verifyPaypalWebhookSimple, verifyPayuWebhook, verifyPrismalinkSignature, verifyRazorpayWebhook, verifySquareWebhook, verifyStripeWebhook, verifyTwoCheckoutWebhook, verifyXenditWebhookToken };
+export { AdyenClient, AdyenProvider, BasePaymentProvider, BraintreeClient, BraintreeProvider, Buayar, type BuayarConfig, CANONICAL_TO_DOKU, CANONICAL_TO_DUITKU, CANONICAL_TO_FASPAY, CANONICAL_TO_FINPAY, CANONICAL_TO_IPAYMU, CANONICAL_TO_MIDTRANS, CANONICAL_TO_NICEPAY, CANONICAL_TO_OY, CANONICAL_TO_PRISMALINK, CANONICAL_TO_STRIPE, CANONICAL_TO_XENDIT, CORE_API_METHODS, type CanonicalPaymentMethod, type CheckBalanceResult, type CheckTransactionParams, type CheckTransactionResult, CheckoutComClient, CheckoutComProvider, type CreateInvoiceParams, type CustomerDetails, DUITKU_TO_CANONICAL, type DisburseParams, type DisburseResult, DokuClient, DokuProvider, DuitkuClient, type DuitkuDisbursementParams, DuitkuProvider, FaspayClient, FaspayProvider, FinpayClient, FinpayProvider, type GetPaymentMethodsParams, type GetPaymentMethodsResult, type InvoiceResponse, IpaymuClient, IpaymuProvider, MIDTRANS_PROBE_PAYLOADS, MIDTRANS_STATIC_METHODS, type MandiriBillInfo, MidtransClient, MidtransProvider, NicepayClient, NicepayProvider, OyClient, OyProvider, PaymentManager, type PaymentMethod, type PaymentMethodItem, PaypalClient, PaypalProvider, PayuClient, PayuProvider, PrismalinkClient, PrismalinkProvider, type ProviderConfig, RazorpayClient, RazorpayProvider, type RefundParams, type RefundResult, SquareClient, SquareProvider, StripeClient, StripeProvider, TwoCheckoutClient, TwoCheckoutProvider, type VerifyCallbackResult, XenditClient, type XenditDisbursementParams, XenditProvider, buayar, buildBraintreeBasicAuth, buildCoreChargePayload, buildPaypalBasicAuth, buildPayuBasicAuth, buildRazorpayBasicAuth, buildTwoCheckoutAuth, formatNicepayTimestamp, generateDokuHeaders, generateFaspaySignature, generateFinpaySignature, generateIpaymuSignature, generateNicepayToken, generateOyHeaders, generatePrismalinkSignature, getDuitkuInquirySignatures, getDuitkuPaymentMethodsSignature, getDuitkuStatusSignatures, getPaymentMethodCategory, getXenditAuthHeader, hmacSha256, md5, parseCoreChargeResponse, paymentManager, resolveConfigFromEnv, safeCompare, serializePaypalParams, serializeStripeParams, sha256, sha512, toCanonicalPaymentMethod, toDokuPaymentMethod, toDuitkuPaymentMethod, toFaspayPaymentMethod, toFinpayPaymentMethod, toIpaymuPaymentMethod, toNicepayPaymentMethod, toOyPaymentMethod, toPrismalinkPaymentMethod, toStripePaymentMethod, toXenditPaymentMethod, verifyAdyenWebhook, verifyBraintreeWebhook, verifyCheckoutComWebhook, verifyDokuWebhookSignature, verifyDuitkuCallbackSignature, verifyFaspaySignature, verifyFinpaySignature, verifyIpaymuCallback, verifyNicepayWebhook, verifyOyWebhook, verifyPaypalWebhookSimple, verifyPayuWebhook, verifyPrismalinkSignature, verifyRazorpayWebhook, verifySquareWebhook, verifyStripeWebhook, verifyTwoCheckoutWebhook, verifyXenditWebhookToken };

package/dist/index.d.ts

@@ -184,6 +184,63 @@ interface CheckTransactionResult {
     error?: string;
     rawResponse: any;
 }
+interface RefundParams {
+    /** ID transaksi / capture / payment sebagai target refund (per provider) */
+    transactionId: string;
+    /** Nominal refund (opsional; default = full refund) */
+    amount?: number;
+    /** Alasan refund (opsional bila didukung provider) */
+    reason?: string;
+    /** Kode mata uang (opsional, untuk provider internasional) */
+    currency?: string;
+}
+interface RefundResult {
+    success: boolean;
+    /** Provider yang menyatakan operasi ini tidak tersedia */
+    supported: boolean;
+    provider?: string;
+    /** Reference / ID refund dari provider */
+    reference?: string;
+    /** Status refund dari provider (raw) */
+    status?: string;
+    error?: string;
+    rawResponse: any;
+}
+interface CheckBalanceResult {
+    success: boolean;
+    supported: boolean;
+    provider?: string;
+    /** Saldo merchant dalam satuan terkecil (minor unit) */
+    balance?: number;
+    /** Kode mata uang saldo (bila tersedia) */
+    currency?: string;
+    error?: string;
+    rawResponse: any;
+}
+interface DisburseParams {
+    /** ID unik merchant untuk mengidentifikasi transfer (merchantOrderId / externalId / partnerTrxId) */
+    externalId: string;
+    /** Kode bank tujuan (mis. 'bca', '014', 'BCA' — ikuti aturan provider) */
+    bankCode: string;
+    /** Nama pemilik rekening tujuan (wajib untuk beberapa provider) */
+    accountHolderName?: string;
+    /** Nomor rekening tujuan */
+    accountNumber: string;
+    /** Nominal transfer */
+    amount: number;
+    /** Deskripsi / tujuan transfer */
+    description?: string;
+}
+interface DisburseResult {
+    success: boolean;
+    supported: boolean;
+    provider?: string;
+    /** Reference / status transfer dari provider */
+    reference?: string;
+    status?: string;
+    error?: string;
+    rawResponse: any;
+}
 
 declare abstract class BasePaymentProvider {
     abstract readonly name: string;
@@ -934,6 +991,10 @@ declare class PaymentManager {
         enabled: string[];
         error?: string;
     }>;
+    private unsupported;
+    refund(providerName: string, params: RefundParams, config: ProviderConfig): Promise<RefundResult>;
+    checkBalance(providerName: string, config: ProviderConfig): Promise<CheckBalanceResult>;
+    disburse(providerName: string, params: DisburseParams, config: ProviderConfig): Promise<DisburseResult>;
 }
 declare const paymentManager: PaymentManager;
 
@@ -996,6 +1057,21 @@ declare class Buayar {
      */
     verifyWebhook(payload: any, headers?: Record<string, string | string[] | undefined>, configOverride?: Partial<ProviderConfig>): Promise<VerifyCallbackResult>;
     handleWebhook(payload: any, headers?: Record<string, string | string[] | undefined>, configOverride?: Partial<ProviderConfig>): Promise<VerifyCallbackResult>;
+    /**
+     * Unified Refund — berlaku untuk semua provider yang mendukung refund.
+     * Provider tanpa fitur refund mengembalikan `{ supported: false }`, bukan error.
+     */
+    refund(params: RefundParams, configOverride?: Partial<ProviderConfig>): Promise<RefundResult>;
+    /**
+     * Unified Check Balance — ambil saldo merchant dari provider aktif.
+     * Provider tanpa fitur balance mengembalikan `{ supported: false }`.
+     */
+    checkBalance(configOverride?: Partial<ProviderConfig>): Promise<CheckBalanceResult>;
+    /**
+     * Unified Disburse / Payout — transfer dana ke rekening bank tujuan.
+     * Provider tanpa fitur disbursement mengembalikan `{ supported: false }`.
+     */
+    disburse(params: DisburseParams, configOverride?: Partial<ProviderConfig>): Promise<DisburseResult>;
     getMidtransClient(configOverride?: Partial<ProviderConfig>): MidtransClient;
     getDuitkuClient(configOverride?: Partial<ProviderConfig>): DuitkuClient;
     getIpaymuClient(configOverride?: Partial<ProviderConfig>): IpaymuClient;
@@ -1403,4 +1479,4 @@ declare function safeCompare(a: string, b: string): boolean;
  */
 declare function getPaymentMethodCategory(code: string, name?: string): "Virtual Account" | "QRIS" | "E-Wallet" | "Retail / Gerai" | "Kartu Kredit" | "Paylater / Cicilan" | "Lainnya";
 
-export { AdyenClient, AdyenProvider, BasePaymentProvider, BraintreeClient, BraintreeProvider, Buayar, type BuayarConfig, CANONICAL_TO_DOKU, CANONICAL_TO_DUITKU, CANONICAL_TO_FASPAY, CANONICAL_TO_FINPAY, CANONICAL_TO_IPAYMU, CANONICAL_TO_MIDTRANS, CANONICAL_TO_NICEPAY, CANONICAL_TO_OY, CANONICAL_TO_PRISMALINK, CANONICAL_TO_STRIPE, CANONICAL_TO_XENDIT, CORE_API_METHODS, type CanonicalPaymentMethod, type CheckTransactionParams, type CheckTransactionResult, CheckoutComClient, CheckoutComProvider, type CreateInvoiceParams, type CustomerDetails, DUITKU_TO_CANONICAL, DokuClient, DokuProvider, DuitkuClient, type DuitkuDisbursementParams, DuitkuProvider, FaspayClient, FaspayProvider, FinpayClient, FinpayProvider, type GetPaymentMethodsParams, type GetPaymentMethodsResult, type InvoiceResponse, IpaymuClient, IpaymuProvider, MIDTRANS_PROBE_PAYLOADS, MIDTRANS_STATIC_METHODS, type MandiriBillInfo, MidtransClient, MidtransProvider, NicepayClient, NicepayProvider, OyClient, OyProvider, PaymentManager, type PaymentMethod, type PaymentMethodItem, PaypalClient, PaypalProvider, PayuClient, PayuProvider, PrismalinkClient, PrismalinkProvider, type ProviderConfig, RazorpayClient, RazorpayProvider, SquareClient, SquareProvider, StripeClient, StripeProvider, TwoCheckoutClient, TwoCheckoutProvider, type VerifyCallbackResult, XenditClient, type XenditDisbursementParams, XenditProvider, buayar, buildBraintreeBasicAuth, buildCoreChargePayload, buildPaypalBasicAuth, buildPayuBasicAuth, buildRazorpayBasicAuth, buildTwoCheckoutAuth, formatNicepayTimestamp, generateDokuHeaders, generateFaspaySignature, generateFinpaySignature, generateIpaymuSignature, generateNicepayToken, generateOyHeaders, generatePrismalinkSignature, getDuitkuInquirySignatures, getDuitkuPaymentMethodsSignature, getDuitkuStatusSignatures, getPaymentMethodCategory, getXenditAuthHeader, hmacSha256, md5, parseCoreChargeResponse, paymentManager, resolveConfigFromEnv, safeCompare, serializePaypalParams, serializeStripeParams, sha256, sha512, toCanonicalPaymentMethod, toDokuPaymentMethod, toDuitkuPaymentMethod, toFaspayPaymentMethod, toFinpayPaymentMethod, toIpaymuPaymentMethod, toNicepayPaymentMethod, toOyPaymentMethod, toPrismalinkPaymentMethod, toStripePaymentMethod, toXenditPaymentMethod, verifyAdyenWebhook, verifyBraintreeWebhook, verifyCheckoutComWebhook, verifyDokuWebhookSignature, verifyDuitkuCallbackSignature, verifyFaspaySignature, verifyFinpaySignature, verifyIpaymuCallback, verifyNicepayWebhook, verifyOyWebhook, verifyPaypalWebhookSimple, verifyPayuWebhook, verifyPrismalinkSignature, verifyRazorpayWebhook, verifySquareWebhook, verifyStripeWebhook, verifyTwoCheckoutWebhook, verifyXenditWebhookToken };
+export { AdyenClient, AdyenProvider, BasePaymentProvider, BraintreeClient, BraintreeProvider, Buayar, type BuayarConfig, CANONICAL_TO_DOKU, CANONICAL_TO_DUITKU, CANONICAL_TO_FASPAY, CANONICAL_TO_FINPAY, CANONICAL_TO_IPAYMU, CANONICAL_TO_MIDTRANS, CANONICAL_TO_NICEPAY, CANONICAL_TO_OY, CANONICAL_TO_PRISMALINK, CANONICAL_TO_STRIPE, CANONICAL_TO_XENDIT, CORE_API_METHODS, type CanonicalPaymentMethod, type CheckBalanceResult, type CheckTransactionParams, type CheckTransactionResult, CheckoutComClient, CheckoutComProvider, type CreateInvoiceParams, type CustomerDetails, DUITKU_TO_CANONICAL, type DisburseParams, type DisburseResult, DokuClient, DokuProvider, DuitkuClient, type DuitkuDisbursementParams, DuitkuProvider, FaspayClient, FaspayProvider, FinpayClient, FinpayProvider, type GetPaymentMethodsParams, type GetPaymentMethodsResult, type InvoiceResponse, IpaymuClient, IpaymuProvider, MIDTRANS_PROBE_PAYLOADS, MIDTRANS_STATIC_METHODS, type MandiriBillInfo, MidtransClient, MidtransProvider, NicepayClient, NicepayProvider, OyClient, OyProvider, PaymentManager, type PaymentMethod, type PaymentMethodItem, PaypalClient, PaypalProvider, PayuClient, PayuProvider, PrismalinkClient, PrismalinkProvider, type ProviderConfig, RazorpayClient, RazorpayProvider, type RefundParams, type RefundResult, SquareClient, SquareProvider, StripeClient, StripeProvider, TwoCheckoutClient, TwoCheckoutProvider, type VerifyCallbackResult, XenditClient, type XenditDisbursementParams, XenditProvider, buayar, buildBraintreeBasicAuth, buildCoreChargePayload, buildPaypalBasicAuth, buildPayuBasicAuth, buildRazorpayBasicAuth, buildTwoCheckoutAuth, formatNicepayTimestamp, generateDokuHeaders, generateFaspaySignature, generateFinpaySignature, generateIpaymuSignature, generateNicepayToken, generateOyHeaders, generatePrismalinkSignature, getDuitkuInquirySignatures, getDuitkuPaymentMethodsSignature, getDuitkuStatusSignatures, getPaymentMethodCategory, getXenditAuthHeader, hmacSha256, md5, parseCoreChargeResponse, paymentManager, resolveConfigFromEnv, safeCompare, serializePaypalParams, serializeStripeParams, sha256, sha512, toCanonicalPaymentMethod, toDokuPaymentMethod, toDuitkuPaymentMethod, toFaspayPaymentMethod, toFinpayPaymentMethod, toIpaymuPaymentMethod, toNicepayPaymentMethod, toOyPaymentMethod, toPrismalinkPaymentMethod, toStripePaymentMethod, toXenditPaymentMethod, verifyAdyenWebhook, verifyBraintreeWebhook, verifyCheckoutComWebhook, verifyDokuWebhookSignature, verifyDuitkuCallbackSignature, verifyFaspaySignature, verifyFinpaySignature, verifyIpaymuCallback, verifyNicepayWebhook, verifyOyWebhook, verifyPaypalWebhookSimple, verifyPayuWebhook, verifyPrismalinkSignature, verifyRazorpayWebhook, verifySquareWebhook, verifyStripeWebhook, verifyTwoCheckoutWebhook, verifyXenditWebhookToken };

package/dist/index.js

@@ -2130,11 +2130,11 @@ var XenditProvider = class extends BasePaymentProvider {
           amount: integerAmount,
           reference_id: orderId,
           description: productDetails,
-          customer: {
-            given_names: customer.name,
-            email: customer.email,
-            mobile_number: customer.phone || ""
-          },
+          // Xendit Payment Requests API rejects the inline `customer` object
+          // with API_VALIDATION_ERROR. Attribution is only supported via a
+          // pre-created `customer_id` (Customer API), so we forward that when
+          // provided through providerParams and otherwise omit customer data.
+          ...params.providerParams?.customer_id ? { customer_id: params.providerParams.customer_id } : {},
           payment_method: paymentMethodPayload,
           ...params.providerParams
         };
@@ -8914,6 +8914,184 @@ var PaymentManager = class {
     }
     return { success: false, enabled: [], error: `Provider '${providerName}' does not support payment methods probing` };
   }
+  // ─── Unified Advanced Operations (Refund / Balance / Disburse) ─────────────
+  // "Mata tertutup": satu API untuk semua provider yang mendukung fitur.
+  // Provider yang tidak mendukung mengembalikan `supported: false` (bukan throw).
+  unsupported(supported, provider, operation, rawResponse = null) {
+    return { success: false, supported, provider, rawResponse, error: `Provider '${provider}' does not support ${operation}` };
+  }
+  async refund(providerName, params, config) {
+    const name = providerName.toLowerCase();
+    try {
+      switch (name) {
+        case "midtrans": {
+          const data = await this.getMidtransClient(config).refundTransaction(params.transactionId, {
+            amount: params.amount,
+            reason: params.reason
+          });
+          return { success: true, supported: true, provider: "midtrans", reference: data.transaction_id || data.order_id, status: data.status_message, rawResponse: data };
+        }
+        case "stripe": {
+          const data = await this.getStripeClient(config).createRefund(params.transactionId, params.amount);
+          return { success: true, supported: true, provider: "stripe", reference: data.id, status: data.status, rawResponse: data };
+        }
+        case "paypal": {
+          const data = await this.getPaypalClient(config).refundCapture(params.transactionId, params.amount, params.currency);
+          return { success: true, supported: true, provider: "paypal", reference: data.id, status: data.status, rawResponse: data };
+        }
+        case "adyen": {
+          const client = this.getAdyenClient(config);
+          const merchantAccount = config.extra?.merchantAccount || config.merchantCode || config.merchantId || "";
+          const data = await client.refundPayment(params.transactionId, params.amount || 0, params.currency || "IDR", merchantAccount);
+          return { success: true, supported: true, provider: "adyen", reference: data.pspReference, status: data.response, rawResponse: data };
+        }
+        case "checkoutcom": {
+          const data = await this.getCheckoutComClient(config).refundPayment(params.transactionId, params.amount);
+          return { success: true, supported: true, provider: "checkoutcom", reference: data.reference, status: data.status, rawResponse: data };
+        }
+        case "razorpay": {
+          const data = await this.getRazorpayClient(config).createRefund(params.transactionId, params.amount);
+          return { success: true, supported: true, provider: "razorpay", reference: data.id, status: data.status, rawResponse: data };
+        }
+        case "square": {
+          const client = this.getSquareClient(config);
+          const currency = (params.currency || "IDR").toUpperCase();
+          const idempotencyKey = config.extra?.idempotencyKey || `refund-${params.transactionId}-${Date.now()}`;
+          const data = await client.refundPayment(params.transactionId, Math.round(params.amount || 0), currency, idempotencyKey, params.reason);
+          const refund = data.refund;
+          return { success: !data.errors, supported: true, provider: "square", reference: refund?.id, status: refund?.status, rawResponse: data };
+        }
+        case "payu": {
+          const data = await this.getPayuClient(config).refundOrder(params.transactionId, params.amount, params.reason);
+          return { success: true, supported: true, provider: "payu", reference: data.orderId, status: data.status, rawResponse: data };
+        }
+        case "braintree": {
+          const data = await this.getBraintreeClient(config).refundTransaction(params.transactionId, params.amount);
+          return { success: true, supported: true, provider: "braintree", reference: data?.transaction?.id, status: data?.transaction?.status, rawResponse: data };
+        }
+        case "twocheckout": {
+          const data = await this.getTwoCheckoutClient(config).refundOrder(params.transactionId, params.amount || 0, params.reason);
+          return { success: true, supported: true, provider: "twocheckout", reference: data.refno, status: data.response_code, rawResponse: data };
+        }
+        default:
+          return this.unsupported(false, name, "refund");
+      }
+    } catch (e) {
+      return { success: false, supported: true, provider: name, rawResponse: null, error: e.message || "Refund failed" };
+    }
+  }
+  async checkBalance(providerName, config) {
+    const name = providerName.toLowerCase();
+    try {
+      let balance;
+      let currency;
+      let raw;
+      switch (name) {
+        case "midtrans": {
+          raw = await this.getMidtransClient(config).getBalance();
+          balance = raw?.balance ?? raw?.balance_amount ?? raw?.amount;
+          break;
+        }
+        case "duitku": {
+          const result = await this.getDuitkuClient(config).checkBalance();
+          return { success: result.success, supported: true, provider: "duitku", balance: result.balance, rawResponse: result.rawResponse, error: result.error };
+        }
+        case "ipaymu": {
+          const result = await this.getIpaymuClient(config).checkBalance();
+          return { success: result.success, supported: true, provider: "ipaymu", balance: result.balance, rawResponse: result.rawResponse, error: result.error };
+        }
+        case "xendit": {
+          const result = await this.getXenditClient(config).checkBalance("CASH");
+          return { success: result.success, supported: true, provider: "xendit", balance: result.balance, rawResponse: result.rawResponse, error: result.error };
+        }
+        case "oy": {
+          raw = await this.getOyClient(config).checkBalance();
+          balance = raw?.balance ?? raw?.data?.balance;
+          break;
+        }
+        case "stripe": {
+          raw = await this.getStripeClient(config).checkBalance();
+          const available = raw?.available?.[0];
+          balance = available?.amount;
+          currency = available?.currency;
+          break;
+        }
+        case "paypal": {
+          raw = await this.getPaypalClient(config).checkBalance();
+          const first = raw?.balances?.[0];
+          balance = first?.total_balance?.value !== void 0 ? Number(first.total_balance.value) * 100 : void 0;
+          currency = first?.currency_code;
+          break;
+        }
+        case "checkoutcom": {
+          raw = await this.getCheckoutComClient(config).checkBalance();
+          const first = raw?.data?.[0]?.available;
+          balance = first?.[0]?.value;
+          currency = first?.[0]?.currency;
+          break;
+        }
+        case "razorpay": {
+          raw = await this.getRazorpayClient(config).checkBalance();
+          balance = raw?.balance ?? raw?.amount;
+          currency = raw?.currency;
+          break;
+        }
+        case "square": {
+          raw = await this.getSquareClient(config).retrieveBalance();
+          balance = raw?.balance_money?.amount;
+          currency = raw?.balance_money?.currency;
+          break;
+        }
+        default:
+          return this.unsupported(false, name, "checkBalance");
+      }
+      return { success: true, supported: true, provider: name, balance, currency, rawResponse: raw };
+    } catch (e) {
+      return { success: false, supported: true, provider: name, rawResponse: null, error: e.message || "Balance check failed" };
+    }
+  }
+  async disburse(providerName, params, config) {
+    const name = providerName.toLowerCase();
+    try {
+      switch (name) {
+        case "duitku": {
+          const data = await this.getDuitkuClient(config).disburse({
+            bankCode: params.bankCode,
+            bankAccount: params.accountNumber,
+            amount: params.amount,
+            purpose: params.description || "Disbursement",
+            merchantOrderId: params.externalId
+          });
+          return { success: data?.statusCode === "00", supported: true, provider: "duitku", reference: params.externalId, status: data?.statusMessage, rawResponse: data };
+        }
+        case "xendit": {
+          const data = await this.getXenditClient(config).createDisbursement({
+            externalId: params.externalId,
+            bankCode: params.bankCode,
+            accountHolderName: params.accountHolderName || "",
+            accountNumber: params.accountNumber,
+            description: params.description || "Disbursement",
+            amount: params.amount
+          });
+          return { success: true, supported: true, provider: "xendit", reference: data.id, status: data.status, rawResponse: data };
+        }
+        case "oy": {
+          const data = await this.getOyClient(config).remit({
+            recipientBank: params.bankCode,
+            recipientAccount: params.accountNumber,
+            amount: params.amount,
+            note: params.description,
+            partnerTrxId: params.externalId
+          });
+          return { success: true, supported: true, provider: "oy", reference: params.externalId, status: data?.status, rawResponse: data };
+        }
+        default:
+          return this.unsupported(false, name, "disburse");
+      }
+    } catch (e) {
+      return { success: false, supported: true, provider: name, rawResponse: null, error: e.message || "Disbursement failed" };
+    }
+  }
 };
 var paymentManager = new PaymentManager();
 
@@ -9277,6 +9455,33 @@ var Buayar = class {
   async handleWebhook(payload, headers, configOverride) {
     return this.verifyWebhook(payload, headers, configOverride);
   }
+  /**
+   * Unified Refund — berlaku untuk semua provider yang mendukung refund.
+   * Provider tanpa fitur refund mengembalikan `{ supported: false }`, bukan error.
+   */
+  async refund(params, configOverride) {
+    const mergedConfig = { ...this.config, ...configOverride };
+    const providerName = configOverride?.provider || this.provider;
+    return this.manager.refund(providerName, params, mergedConfig);
+  }
+  /**
+   * Unified Check Balance — ambil saldo merchant dari provider aktif.
+   * Provider tanpa fitur balance mengembalikan `{ supported: false }`.
+   */
+  async checkBalance(configOverride) {
+    const mergedConfig = { ...this.config, ...configOverride };
+    const providerName = configOverride?.provider || this.provider;
+    return this.manager.checkBalance(providerName, mergedConfig);
+  }
+  /**
+   * Unified Disburse / Payout — transfer dana ke rekening bank tujuan.
+   * Provider tanpa fitur disbursement mengembalikan `{ supported: false }`.
+   */
+  async disburse(params, configOverride) {
+    const mergedConfig = { ...this.config, ...configOverride };
+    const providerName = configOverride?.provider || this.provider;
+    return this.manager.disburse(providerName, params, mergedConfig);
+  }
   // ─── Indonesian Provider Client Getters ───────────────────────────────────
   getMidtransClient(configOverride) {
     return new MidtransClient({ ...this.config, ...configOverride });