@crediblemark/buayar 0.6.2 → 0.8.0

package/dist/index.js

@@ -76,8 +76,10 @@ __export(index_exports, {
   PayuProvider: () => PayuProvider,
   PrismalinkClient: () => PrismalinkClient,
   PrismalinkProvider: () => PrismalinkProvider,
+  ProviderRegistry: () => ProviderRegistry,
   RazorpayClient: () => RazorpayClient,
   RazorpayProvider: () => RazorpayProvider,
+  SnapApiError: () => SnapApiError,
   SnapClient: () => SnapClient,
   SquareClient: () => SquareClient,
   SquareProvider: () => SquareProvider,
@@ -90,6 +92,7 @@ __export(index_exports, {
   buayar: () => buayar,
   buildBraintreeBasicAuth: () => buildBraintreeBasicAuth,
   buildCoreChargePayload: () => buildCoreChargePayload,
+  buildDefaultDescriptors: () => buildDefaultDescriptors,
   buildPaypalBasicAuth: () => buildPaypalBasicAuth,
   buildPayuBasicAuth: () => buildPayuBasicAuth,
   buildRazorpayBasicAuth: () => buildRazorpayBasicAuth,
@@ -114,6 +117,7 @@ __export(index_exports, {
   minifyJson: () => minifyJson,
   parseCoreChargeResponse: () => parseCoreChargeResponse,
   paymentManager: () => paymentManager,
+  providerRegistry: () => providerRegistry,
   resolveConfigFromEnv: () => resolveConfigFromEnv,
   safeCompare: () => safeCompare,
   serializePaypalParams: () => serializePaypalParams,
@@ -121,6 +125,7 @@ __export(index_exports, {
   sha256: () => sha256,
   sha256Hex: () => sha256Hex,
   sha512: () => sha512,
+  snapErrorHint: () => snapErrorHint,
   snapExternalId: () => snapExternalId,
   snapTimestamp: () => snapTimestamp,
   snapUtcTimestamp: () => snapUtcTimestamp,
@@ -282,6 +287,9 @@ var CANONICAL_TO_IPAYMU = {
   permata_va: { paymentMethod: "va", paymentChannel: "permata" },
   danamon_va: { paymentMethod: "va", paymentChannel: "danamon" },
   bsi_va: { paymentMethod: "va", paymentChannel: "bsi" },
+  bag_va: { paymentMethod: "va", paymentChannel: "bag" },
+  muamalat_va: { paymentMethod: "va", paymentChannel: "bmi" },
+  bmi_va: { paymentMethod: "va", paymentChannel: "bmi" },
   qris: { paymentMethod: "qris", paymentChannel: "mpm" },
   gopay_qris: { paymentMethod: "qris", paymentChannel: "mpm" },
   shopeepay_qris: { paymentMethod: "qris", paymentChannel: "mpm" },
@@ -1739,35 +1747,48 @@ var IpaymuProvider = class extends BasePaymentProvider {
     const baseUrl = this.getBaseUrl(sandbox);
     const endpoint = isDirect ? "/payment/direct" : "/payment";
     const url = `${baseUrl}${endpoint}`;
+    const notifyUrl = callbackUrl || config.callbackUrl || "https://localhost/callback";
+    const redirectUrl = returnUrl || config.returnUrl || "https://localhost/return";
+    const feeDirection = params.feeDirection || params.extra?.feeDirection || config.extra?.feeDirection;
+    const escrow = params.escrow !== void 0 ? params.escrow : params.extra?.escrow !== void 0 ? params.extra?.escrow : config.extra?.escrow;
     let payload;
     if (isDirect) {
       payload = {
         name: customer.name,
         email: customer.email,
-        phone: customer.phone || "",
+        phone: customer.phone || "081234567890",
         amount: integerAmount,
-        notifyUrl: callbackUrl || config.callbackUrl || "",
+        notifyUrl,
         expired: 24,
         expiredType: "hours",
         comments: productDetails,
         referenceId: orderId,
         paymentMethod: ipaymuMethod.paymentMethod,
         ...ipaymuMethod.paymentChannel ? { paymentChannel: ipaymuMethod.paymentChannel } : {},
+        ...feeDirection ? { feeDirection } : {},
+        ...escrow !== void 0 ? { escrow } : {},
         ...params.providerParams
       };
     } else {
+      const hasItems = params.items && params.items.length > 0;
+      const product = hasItems ? params.items.map((i) => i.name) : [productDetails.length > 50 ? productDetails.substring(0, 47) + "..." : productDetails];
+      const qty = hasItems ? params.items.map((i) => i.quantity) : [1];
+      const price = hasItems ? params.items.map((i) => Math.round(i.price)) : [integerAmount];
+      const description = hasItems ? params.items.map((i) => i.description || i.name) : [productDetails];
       payload = {
-        product: [productDetails.length > 50 ? productDetails.substring(0, 47) + "..." : productDetails],
-        qty: [1],
-        price: [integerAmount],
-        description: [productDetails],
-        returnUrl: returnUrl || config.returnUrl || "",
-        notifyUrl: callbackUrl || config.callbackUrl || "",
-        cancelUrl: returnUrl || config.returnUrl || "",
+        product,
+        qty,
+        price,
+        description,
+        returnUrl: redirectUrl,
+        notifyUrl,
+        cancelUrl: redirectUrl,
         referenceId: orderId,
         buyerName: customer.name,
         buyerEmail: customer.email,
-        buyerPhone: customer.phone || "",
+        buyerPhone: customer.phone || "081234567890",
+        ...feeDirection ? { feeDirection } : {},
+        ...escrow !== void 0 ? { escrow } : {},
         ...params.providerParams
       };
     }
@@ -1807,8 +1828,8 @@ var IpaymuProvider = class extends BasePaymentProvider {
           provider: "ipaymu",
           orderId,
           amount: integerAmount,
-          reference: resData.TransactionId ? String(resData.TransactionId) : String(resData.SessionId || ""),
-          paymentUrl: resData.Url,
+          reference: resData.TransactionId ? String(resData.TransactionId) : String(resData.SessionId || resData.SessionID || ""),
+          paymentUrl: resData.Url || resData.url,
           rawResponse: data
         };
         if (resData.PaymentNo) {
@@ -1867,6 +1888,88 @@ var IpaymuProvider = class extends BasePaymentProvider {
     };
   }
   async getPaymentMethods(params, config) {
+    const va = config.merchantCode || config.merchantId || "";
+    const apiKey = config.apiKey || "";
+    const sandbox = !!config.sandbox;
+    if (va && apiKey) {
+      try {
+        const url = `${this.getBaseUrl(sandbox)}/payment-method-list`;
+        const payload = { account: va };
+        const { signature, timestamp } = generateIpaymuSignature("POST", va, apiKey, payload);
+        const response = await fetch(url, {
+          method: "POST",
+          headers: {
+            "Content-Type": "application/json",
+            "Accept": "application/json",
+            "va": va,
+            "signature": signature,
+            "timestamp": timestamp
+          },
+          body: JSON.stringify(payload)
+        });
+        const data = await response.json().catch(() => null);
+        if (response.ok && data?.Data && Array.isArray(data.Data)) {
+          const methods = [];
+          const categories2 = {};
+          for (const group of data.Data) {
+            const groupCode = (group.Code || "").toLowerCase();
+            const groupName = group.Name || group.Description || "Lainnya";
+            const channels = group.Channels || [];
+            let category = "Lainnya";
+            if (groupCode === "va") category = "Virtual Account";
+            else if (groupCode === "cstore") category = "Retail / Gerai";
+            else if (groupCode === "qris") category = "QRIS";
+            else if (groupCode === "cc") category = "Kartu Kredit";
+            else if (groupCode === "paylater") category = "Paylater / Cicilan";
+            else if (groupCode === "cod") category = "COD";
+            else category = groupName;
+            for (const ch of channels) {
+              const chCode = (ch.Code || "").toLowerCase();
+              let canonicalCode = chCode;
+              if (groupCode === "va") {
+                canonicalCode = chCode === "bag" ? "bag_va" : chCode === "bmi" ? "muamalat_va" : `${chCode}_va`;
+              } else if (groupCode === "cc") {
+                canonicalCode = "credit_card";
+              }
+              let totalFee = "-";
+              if (ch.TransactionFee) {
+                if (ch.TransactionFee.ActualFeeType === "PERCENT") {
+                  totalFee = `${ch.TransactionFee.ActualFee}%`;
+                } else if (ch.TransactionFee.ActualFee !== void 0) {
+                  totalFee = `IDR ${Number(ch.TransactionFee.ActualFee).toLocaleString()}`;
+                }
+              }
+              const pm = {
+                paymentMethod: canonicalCode,
+                code: canonicalCode,
+                paymentName: ch.Name || ch.Description || canonicalCode,
+                paymentImage: `https://my.ipaymu.com/images/banks/${chCode}.png`,
+                totalFee,
+                category,
+                extra: {
+                  healthStatus: ch.HealthStatus,
+                  instructionsDoc: ch.PaymentInstructionsDoc,
+                  feeDetail: ch.TransactionFee
+                }
+              };
+              methods.push(pm);
+              if (!categories2[category]) categories2[category] = [];
+              categories2[category].push(pm);
+            }
+          }
+          if (methods.length > 0) {
+            return {
+              success: true,
+              provider: "ipaymu",
+              methods,
+              categories: categories2,
+              rawResponse: data
+            };
+          }
+        }
+      } catch (err) {
+      }
+    }
     const staticMethods = [
       {
         paymentMethod: "bca_va",
@@ -1932,6 +2035,22 @@ var IpaymuProvider = class extends BasePaymentProvider {
         totalFee: "IDR 3,500",
         category: "Virtual Account"
       },
+      {
+        paymentMethod: "bag_va",
+        code: "bag_va",
+        paymentName: "Bank Artha Graha Virtual Account",
+        paymentImage: "https://my.ipaymu.com/images/banks/bag.png",
+        totalFee: "IDR 3,500",
+        category: "Virtual Account"
+      },
+      {
+        paymentMethod: "muamalat_va",
+        code: "muamalat_va",
+        paymentName: "Bank Muamalat Virtual Account",
+        paymentImage: "https://my.ipaymu.com/images/banks/bmi.png",
+        totalFee: "IDR 3,500",
+        category: "Virtual Account"
+      },
       {
         paymentMethod: "qris",
         code: "qris",
@@ -2033,11 +2152,14 @@ var IpaymuProvider = class extends BasePaymentProvider {
         };
       }
       const txData = data.Data || {};
-      const statusText = (txData.Status || txData.status || "").toString().toLowerCase();
-      const isPaid = statusText === "berhasil" || statusText === "success" || txData.StatusCode === 1;
-      const isPending = statusText === "pending" || txData.StatusCode === 0;
-      const isFailed = !isPaid && !isPending;
-      const isExpired = statusText === "expired";
+      const rawStatus = txData.Status !== void 0 ? txData.Status : txData.status;
+      const statusDesc = (txData.StatusDesc || "").toString().toLowerCase();
+      const paidStatus = (txData.PaidStatus || "").toString().toLowerCase();
+      const statusCode = txData.StatusCode !== void 0 ? Number(txData.StatusCode) : rawStatus !== void 0 ? Number(rawStatus) : void 0;
+      const isPaid = statusCode === 1 || paidStatus === "paid" || statusDesc.includes("berhasil") || statusDesc.includes("success");
+      const isPending = statusCode === 0 || paidStatus === "unpaid" || statusDesc.includes("menunggu") || statusDesc.includes("pending");
+      const isExpired = statusCode === 2 || statusDesc.includes("expired") || statusDesc.includes("kadaluarsa");
+      const isFailed = !isPaid && !isPending && !isExpired;
       const status = isPaid ? "paid" : isPending ? "pending" : isExpired ? "expired" : "failed";
       return {
         success: true,
@@ -2627,6 +2749,29 @@ function verifySnapWebhookSignature(headers, body, clientSecret, endpointUrl = "
   );
   return safeCompare(incoming, computed);
 }
+function snapErrorHint(message, code) {
+  const m = (message || "").toLowerCase();
+  const c = (code || "").toLowerCase();
+  if (m.includes("unknown client") || c.includes("4017300") || c.includes("4017400")) {
+    return "Client ID tidak dikenali DOKU. Pastikan clientId benar & kanal SNAP aktif untuk akun ini.";
+  }
+  if (m.includes("signature") || c.startsWith("401")) {
+    return "Signature ditolak DOKU. Pastikan (a) Merchant Public Key yang di-upload sesuai dengan private key yang dipakai, dan (b) Get Token memakai timestamp UTC (Z).";
+  }
+  if (m.includes("bin") || m.includes("not configured") && m.includes("identifier")) {
+    return "Akun belum punya BIN/partnerServiceId VA yang aktif. Sediakan nilai di config.extra.partnerServiceId (atau DOKU_PARTNER_SERVICE_ID) setelah di-assign di dashboard/sales.";
+  }
+  if (m.includes("merchantid") || m.includes("merchant id")) {
+    return "QRIS/e-Wallet butuh merchantId. Isi config.extra.merchantId (atau DOKU_MERCHANT_ID) dari dashboard.";
+  }
+  if (m.includes("partner service id") || m.includes("partnerServiceId")) {
+    return "partnerServiceId tidak valid. Harus 8 karakter left-padded (BIN/company code DOKU).";
+  }
+  if (m.includes("customer no") || m.includes("customerno")) {
+    return "customerNo tidak valid (maks 20 digit unik). Cek config.extra.customerNo.";
+  }
+  return void 0;
+}
 
 // src/clients/snap.ts
 var SnapClient = class {
@@ -2683,7 +2828,16 @@ var SnapClient = class {
     } catch {
     }
     if (!response.ok || !data?.accessToken) {
-      throw new Error(data?.responseMessage || data?.message || `DOKU SNAP get-token failed: HTTP ${response.status} - ${text}`);
+      const baseMessage = data?.responseMessage || data?.message || `DOKU SNAP get-token failed: HTTP ${response.status}`;
+      const hint = snapErrorHint(baseMessage, data?.responseCode);
+      const err = new SnapApiError(`${baseMessage}${data?.responseCode ? ` (${data.responseCode})` : ""}${hint ? ` \u2014 ${hint}` : ""}`, {
+        status: response.status,
+        code: data?.responseCode,
+        raw: data,
+        endpoint,
+        method: "POST"
+      });
+      throw err;
     }
     if (!clientSecret) {
     }
@@ -2744,12 +2898,37 @@ var SnapClient = class {
     } catch {
     }
     if (!response.ok) {
-      const err = data?.responseMessage || data?.error?.message || data?.message || `HTTP ${response.status}`;
-      throw new Error(`${err}${data?.responseCode ? ` (${data.responseCode})` : ""}`);
+      const baseMessage = data?.responseMessage || data?.error?.message || data?.message || `HTTP ${response.status}`;
+      const hint = snapErrorHint(baseMessage, data?.responseCode);
+      const message = `${baseMessage}${data?.responseCode ? ` (${data.responseCode})` : ""}${hint ? ` \u2014 ${hint}` : ""}`;
+      const err = new SnapApiError(message, {
+        status: response.status,
+        code: data?.responseCode,
+        raw: data,
+        endpoint,
+        method
+      });
+      throw err;
     }
     return data;
   }
 };
+var SnapApiError = class extends Error {
+  status;
+  responseCode;
+  raw;
+  endpoint;
+  method;
+  constructor(message, opts) {
+    super(message);
+    this.name = "SnapApiError";
+    this.status = opts.status;
+    this.responseCode = opts.code;
+    this.raw = opts.raw;
+    this.endpoint = opts.endpoint;
+    this.method = opts.method;
+  }
+};
 
 // src/providers/doku/provider.ts
 var DokuProvider = class extends BasePaymentProvider {
@@ -3026,8 +3205,8 @@ var DokuProvider = class extends BasePaymentProvider {
         provider: "doku",
         orderId,
         amount: integerAmount,
-        rawResponse: null,
-        error: e.message || "Failed to make SNAP request to DOKU API"
+        rawResponse: e?.raw ?? e?.rawResponse ?? null,
+        error: e?.message || "Failed to make SNAP request to DOKU API"
       };
     }
   }
@@ -3068,6 +3247,7 @@ var DokuProvider = class extends BasePaymentProvider {
     return {
       success: true,
       provider: "doku",
+      mode: "va",
       orderId: vaData.trxId || orderId,
       amount: Number(vaData.totalAmount?.value || amount) || Math.round(amount),
       reference: vaData.virtualAccountNo || orderId,
@@ -3103,6 +3283,7 @@ var DokuProvider = class extends BasePaymentProvider {
     return {
       success: true,
       provider: "doku",
+      mode: "qris",
       orderId: data.partnerReferenceNo || orderId,
       amount: Number(data.amount?.value || amount) || Math.round(amount),
       reference: data.referenceNo || orderId,
@@ -3148,10 +3329,12 @@ var DokuProvider = class extends BasePaymentProvider {
     return {
       success: true,
       provider: "doku",
+      mode: "ewallet",
       orderId: data.partnerReferenceNo || orderId,
       amount: Number(data.amount?.value || amount) || Math.round(amount),
       reference: data.partnerReferenceNo || orderId,
       paymentUrl: data.webRedirectUrl || data.paymentUrl,
+      checkoutUrl: data.webRedirectUrl || data.paymentUrl,
       rawResponse: data
     };
   }
@@ -8192,6 +8375,62 @@ var IpaymuClient = class {
   async checkTransaction(transactionId) {
     return this.request("POST", "/transaction", { transactionId });
   }
+  /**
+   * Ambil daftar channel pembayaran aktif milik merchant
+   */
+  async getPaymentMethods() {
+    return this.request("POST", "/payment-method-list", { account: this.va });
+  }
+  /**
+   * Ambil riwayat transaksi merchant berpaginasi
+   */
+  async getHistory(params) {
+    const payload = {
+      account: this.va,
+      page: params?.page || 1,
+      limit: params?.limit || 10,
+      ...params
+    };
+    return this.request("POST", "/history", payload);
+  }
+  /**
+   * Ambil daftar seluruh bank di Indonesia
+   */
+  async getBankList() {
+    return this.request("POST", "/banklist", { account: this.va });
+  }
+  /**
+   * Ambil jangkauan area pengiriman COD
+   */
+  async getCodArea(postalCode) {
+    const payload = { account: this.va };
+    if (postalCode) payload.postalCode = postalCode;
+    return this.request("POST", "/cod/getarea", payload);
+  }
+  /**
+   * Hitung tarif ongkir pengiriman COD
+   */
+  async getCodRate(params) {
+    return this.request("POST", "/cod/getrate", { account: this.va, ...params });
+  }
+  /**
+   * Request pickup kurir COD
+   */
+  async getCodPickup(params) {
+    return this.request("POST", "/cod/pickup", { account: this.va, ...params });
+  }
+  /**
+   * Ambil nomor resi / AWB pengiriman COD
+   */
+  async getCodAwb(transactionId) {
+    return this.request("POST", "/cod/getawb", { account: this.va, transactionId });
+  }
+  /**
+   * Lacak status pengiriman kurir berdasarkan no resi / AWB
+   */
+  async getCodTracking(awb) {
+    return this.request("POST", "/cod/tracking", { account: this.va, awb });
+  }
 };
 
 // src/clients/xendit.ts
@@ -9576,170 +9815,316 @@ var PaymentManager = class {
 };
 var paymentManager = new PaymentManager();
 
+// src/core/providerRegistry.ts
+var ProviderRegistry = class {
+  descriptors = /* @__PURE__ */ new Map();
+  constructor(initial) {
+    for (const d of initial || []) this.register(d);
+  }
+  register(desc) {
+    this.descriptors.set(desc.name.toLowerCase().trim(), desc);
+  }
+  unregister(name) {
+    return this.descriptors.delete(name.toLowerCase().trim());
+  }
+  has(name) {
+    return this.descriptors.has(name.toLowerCase().trim());
+  }
+  get(name) {
+    return this.descriptors.get(name.toLowerCase().trim());
+  }
+  names() {
+    return [...this.descriptors.keys()];
+  }
+  /**
+   * Autodetect provider aktif dari variabel lingkungan.
+   * Mengembalikan nama provider yang kredensial .env-nya terisi penuh,
+   * atau undefined jika tidak ada / ambigu.
+   */
+  detectFromEnv(env) {
+    const present = [];
+    for (const [name, desc] of this.descriptors) {
+      const filled = desc.envKeys.filter((k) => {
+        const v = env[k];
+        return typeof v === "string" && v.trim().length > 0;
+      });
+      if (filled.length > 0) present.push({ name, count: filled.length });
+    }
+    if (present.length === 0) return void 0;
+    present.sort((a, b) => b.count - a.count);
+    const top = present[0];
+    const ties = present.filter((p) => p.count === top.count);
+    return ties.length === 1 ? top.name : void 0;
+  }
+  /**
+   * Autodetect provider dari struktur payload webhook.
+   * Mengembalikan nama provider jika dikenali, else undefined.
+   */
+  detectFromWebhook(payload) {
+    if (!payload) return void 0;
+    const p = payload;
+    if (p.signature_key && p.transaction_status) return "midtrans";
+    if (p.merchantCode && p.merchantOrderId && p.resultCode) return "duitku";
+    if (p.trx_id && (p.sid || p.reference_id || p.via)) return "ipaymu";
+    if (p.service?.id || p.order?.invoice_number && p.transaction?.status) return "doku";
+    if (p.bill_no && (p.payment_status_code !== void 0 || p.payment_status_desc)) return "faspay";
+    if (p.merchant_id && p.order_id && p.payment_status) return "finpay";
+    if (p.tXid && p.merchantToken && (p.referenceNo || p.amt)) return "nicepay";
+    if (p.partner_tx_id || p.partner_trx_id) return "oy";
+    if (p.merchant_id && p.order_id && p.signature) return "prismalink";
+    if (p.object === "event" || p.type && p.data?.object && p.api_version) return "stripe";
+    if (p.event && p.payload?.payment?.entity) return "razorpay";
+    if (p.external_id || p.event?.startsWith("payment.") || p.event?.startsWith("qr.") || p.data?.reference_id) return "xendit";
+    if (p.event_type && p.resource && (p.event_type.startsWith("PAYMENT.") || p.event_type.startsWith("CHECKOUT.ORDER."))) return "paypal";
+    if (p.notificationItems || p.merchantAccountCode && p.pspReference && p.eventCode) return "adyen";
+    if (p.type && p.data?._links && (p.type.startsWith("payment_") || p.type.startsWith("refund_"))) return "checkoutcom";
+    if (p.type && p.data?.object?.status && p.merchant_id) return "square";
+    if (p.order && p.order?.status && p.order?.extOrderId) return "payu";
+    if (p.kind && p.subject?.transaction) return "braintree";
+    if (p.HASH && p.REFNOEXT && p.IPN_PID) return "twocheckout";
+    return void 0;
+  }
+};
+var ENV_KEYS = {
+  midtrans: ["MIDTRANS_SERVER_KEY", "MIDTRANS_CLIENT_KEY"],
+  duitku: ["DUITKU_API_KEY", "DUITKU_MERCHANT_CODE"],
+  ipaymu: ["IPAYMU_API_KEY", "IPAYMU_VA"],
+  xendit: ["XENDIT_SECRET_KEY", "XENDIT_WEBHOOK_TOKEN"],
+  doku: ["DOKU_CLIENT_ID", "DOKU_SECRET_KEY"],
+  prismalink: ["PRISMALINK_MERCHANT_ID", "PRISMALINK_SECRET_KEY"],
+  faspay: ["FASPAY_MERCHANT_ID", "FASPAY_USER_ID", "FASPAY_PASSWORD"],
+  finpay: ["FINPAY_MERCHANT_ID", "FINPAY_MERCHANT_KEY"],
+  nicepay: ["NICEPAY_IMID", "NICEPAY_KEY"],
+  oy: ["OY_USERNAME", "OY_API_KEY"],
+  stripe: ["STRIPE_SECRET_KEY", "STRIPE_PUBLIC_KEY", "STRIPE_WEBHOOK_SECRET"],
+  paypal: ["PAYPAL_CLIENT_ID", "PAYPAL_CLIENT_SECRET", "PAYPAL_WEBHOOK_ID"],
+  adyen: ["ADYEN_API_KEY", "ADYEN_MERCHANT_ACCOUNT", "ADYEN_HMAC_KEY"],
+  checkoutcom: ["CHECKOUTCOM_SECRET_KEY", "CHECKOUTCOM_PUBLIC_KEY", "CHECKOUTCOM_WEBHOOK_SECRET"],
+  razorpay: ["RAZORPAY_KEY_ID", "RAZORPAY_KEY_SECRET", "RAZORPAY_WEBHOOK_SECRET"],
+  square: ["SQUARE_ACCESS_TOKEN", "SQUARE_LOCATION_ID", "SQUARE_WEBHOOK_SIGNATURE_KEY"],
+  payu: ["PAYU_POS_ID", "PAYU_MD5_KEY"],
+  braintree: ["BRAINTREE_MERCHANT_ID", "BRAINTREE_PUBLIC_KEY", "BRAINTREE_PRIVATE_KEY"],
+  twocheckout: ["TWOCHECKOUT_MERCHANT_CODE", "TWOCHECKOUT_SECRET_KEY", "TWOCHECKOUT_SECRET_WORD"]
+};
+var WORKING_METHODS = {
+  midtrans: Object.keys(CANONICAL_TO_MIDTRANS),
+  duitku: Object.keys(CANONICAL_TO_DUITKU),
+  ipaymu: Object.keys(CANONICAL_TO_IPAYMU),
+  xendit: Object.keys(CANONICAL_TO_XENDIT),
+  doku: Object.keys(CANONICAL_TO_DOKU),
+  prismalink: Object.keys(CANONICAL_TO_PRISMALINK),
+  faspay: Object.keys(CANONICAL_TO_FASPAY),
+  finpay: Object.keys(CANONICAL_TO_FINPAY),
+  nicepay: Object.keys(CANONICAL_TO_NICEPAY),
+  oy: Object.keys(CANONICAL_TO_OY),
+  stripe: Object.keys(CANONICAL_TO_STRIPE),
+  paypal: ["credit_card", "paylater", "paypal", "bank_transfer"],
+  adyen: ["credit_card", "paypal", "qris", "apple_pay", "google_pay", "klarna", "sepa"],
+  checkoutcom: ["credit_card", "paypal", "apple_pay", "google_pay", "klarna", "sofort", "bank_transfer"],
+  razorpay: ["credit_card", "wallet", "upi", "netbanking", "emi", "bank_transfer"],
+  square: ["credit_card", "apple_pay", "google_pay", "afterpay", "cash_app"],
+  payu: ["credit_card", "bank_transfer", "apple_pay", "google_pay", "blik", "installment"],
+  braintree: ["credit_card", "paypal", "apple_pay", "google_pay", "venmo"],
+  twocheckout: ["credit_card", "paypal", "paylater", "wire_transfer"]
+};
+var OPERATIONS = {
+  midtrans: { refund: true, checkBalance: true, disburse: false },
+  duitku: { refund: false, checkBalance: true, disburse: true },
+  ipaymu: { refund: false, checkBalance: true, disburse: false },
+  xendit: { refund: false, checkBalance: true, disburse: true },
+  doku: { refund: false, checkBalance: false, disburse: false },
+  prismalink: { refund: false, checkBalance: false, disburse: false },
+  faspay: { refund: false, checkBalance: false, disburse: false },
+  finpay: { refund: false, checkBalance: false, disburse: false },
+  nicepay: { refund: false, checkBalance: false, disburse: false },
+  oy: { refund: false, checkBalance: true, disburse: true },
+  stripe: { refund: true, checkBalance: true, disburse: false },
+  paypal: { refund: true, checkBalance: true, disburse: false },
+  adyen: { refund: true, checkBalance: false, disburse: false },
+  checkoutcom: { refund: true, checkBalance: true, disburse: false },
+  razorpay: { refund: true, checkBalance: true, disburse: false },
+  square: { refund: true, checkBalance: true, disburse: false },
+  payu: { refund: true, checkBalance: false, disburse: false },
+  braintree: { refund: true, checkBalance: false, disburse: false },
+  twocheckout: { refund: true, checkBalance: false, disburse: false }
+};
+function buildDefaultDescriptors() {
+  return Object.keys(ENV_KEYS).map((name) => ({
+    name,
+    envKeys: ENV_KEYS[name],
+    methods: WORKING_METHODS[name] || [],
+    operations: OPERATIONS[name] || { refund: false, checkBalance: false, disburse: false }
+  }));
+}
+var providerRegistry = new ProviderRegistry(buildDefaultDescriptors());
+
 // src/core/config.ts
+var UNIVERSAL = {
+  apiKey: ["BUAYAR_API_KEY", "BUAYAR_SERVER_KEY", "PG_API_KEY", "PAYMENT_API_KEY"],
+  clientKey: ["BUAYAR_CLIENT_KEY", "PG_CLIENT_KEY"],
+  merchantCode: ["BUAYAR_MERCHANT_CODE", "PG_MERCHANT_CODE", "PAYMENT_MERCHANT_CODE"],
+  merchantId: ["BUAYAR_MERCHANT_ID", "PG_MERCHANT_ID"],
+  secretKey: ["BUAYAR_SECRET_KEY", "PG_SECRET_KEY", "SECRET_KEY"],
+  serverKey: ["BUAYAR_SERVER_KEY", "PG_SECRET_KEY"],
+  projectId: ["BUAYAR_PROJECT_ID", "PG_PROJECT_ID", "PROJECT_ID"]
+};
+var SPECIFIC = {
+  midtrans: {
+    apiKey: ["MIDTRANS_SERVER_KEY"],
+    clientKey: ["MIDTRANS_CLIENT_KEY"],
+    merchantId: ["MIDTRANS_MERCHANT_ID"]
+  },
+  duitku: {
+    apiKey: ["DUITKU_API_KEY"],
+    merchantCode: ["DUITKU_MERCHANT_CODE"]
+  },
+  ipaymu: {
+    apiKey: ["IPAYMU_API_KEY"],
+    merchantCode: ["IPAYMU_VA", "IPAYMU_MERCHANT_CODE"]
+  },
+  xendit: {
+    apiKey: ["XENDIT_SECRET_KEY", "XENDIT_API_KEY"]
+  },
+  doku: {
+    apiKey: ["DOKU_SECRET_KEY", "DOKU_API_KEY"],
+    clientKey: ["DOKU_CLIENT_ID"],
+    merchantCode: ["DOKU_CLIENT_ID", "DOKU_MERCHANT_ID"],
+    merchantId: ["DOKU_MERCHANT_ID"]
+  },
+  prismalink: {
+    apiKey: ["PRISMALINK_SECRET_KEY", "PRISMALINK_API_KEY"],
+    merchantCode: ["PRISMALINK_MERCHANT_ID"],
+    merchantId: ["PRISMALINK_MERCHANT_ID"]
+  },
+  faspay: {
+    apiKey: ["FASPAY_PASSWORD", "FASPAY_API_KEY"],
+    clientKey: ["FASPAY_USER_ID"],
+    merchantCode: ["FASPAY_MERCHANT_ID"],
+    merchantId: ["FASPAY_MERCHANT_ID"]
+  },
+  finpay: {
+    apiKey: ["FINPAY_MERCHANT_KEY", "FINPAY_SECRET_KEY", "FINPAY_API_KEY"],
+    merchantCode: ["FINPAY_MERCHANT_ID"],
+    merchantId: ["FINPAY_MERCHANT_ID"]
+  },
+  nicepay: {
+    apiKey: ["NICEPAY_KEY", "NICEPAY_SECRET_KEY", "NICEPAY_API_KEY"],
+    merchantCode: ["NICEPAY_IMID", "NICEPAY_MERCHANT_ID"],
+    merchantId: ["NICEPAY_IMID"]
+  },
+  oy: {
+    apiKey: ["OY_API_KEY"],
+    clientKey: ["OY_USERNAME"],
+    merchantCode: ["OY_USERNAME"]
+  },
+  stripe: {
+    apiKey: ["STRIPE_SECRET_KEY", "STRIPE_KEY"],
+    clientKey: ["STRIPE_PUBLIC_KEY", "STRIPE_PUBLISHABLE_KEY"]
+  },
+  paypal: {
+    apiKey: ["PAYPAL_CLIENT_SECRET"],
+    clientKey: ["PAYPAL_CLIENT_ID"],
+    merchantCode: ["PAYPAL_CLIENT_ID"]
+  },
+  adyen: {
+    apiKey: ["ADYEN_API_KEY"],
+    clientKey: ["ADYEN_CLIENT_KEY"],
+    merchantCode: ["ADYEN_MERCHANT_ACCOUNT"],
+    merchantId: ["ADYEN_MERCHANT_ACCOUNT"]
+  },
+  checkoutcom: {
+    apiKey: ["CHECKOUTCOM_SECRET_KEY"],
+    clientKey: ["CHECKOUTCOM_PUBLIC_KEY"]
+  },
+  razorpay: {
+    apiKey: ["RAZORPAY_KEY_SECRET"],
+    clientKey: ["RAZORPAY_KEY_ID"],
+    merchantCode: ["RAZORPAY_KEY_ID"]
+  },
+  square: {
+    apiKey: ["SQUARE_ACCESS_TOKEN"],
+    clientKey: ["SQUARE_APPLICATION_ID"],
+    merchantCode: ["SQUARE_APPLICATION_ID"],
+    projectId: ["SQUARE_LOCATION_ID"]
+  },
+  payu: {
+    apiKey: ["PAYU_MD5_KEY"],
+    clientKey: ["PAYU_POS_ID"],
+    merchantCode: ["PAYU_POS_ID"],
+    merchantId: ["PAYU_POS_ID"]
+  },
+  braintree: {
+    apiKey: ["BRAINTREE_PRIVATE_KEY"],
+    clientKey: ["BRAINTREE_PUBLIC_KEY"],
+    merchantCode: ["BRAINTREE_MERCHANT_ID"],
+    merchantId: ["BRAINTREE_MERCHANT_ID"]
+  },
+  twocheckout: {
+    apiKey: ["TWOCHECKOUT_SECRET_KEY"],
+    merchantCode: ["TWOCHECKOUT_MERCHANT_CODE"],
+    merchantId: ["TWOCHECKOUT_MERCHANT_CODE"]
+  }
+};
+function firstDefined(env, keys) {
+  for (const k of keys) {
+    const v = env[k];
+    if (typeof v === "string" && v.trim().length > 0) return v.trim();
+  }
+  return void 0;
+}
+function resolveSandbox(env, provider) {
+  const universal = firstDefined(env, ["BUAYAR_SANDBOX", "PG_SANDBOX", "PAYMENT_SANDBOX"]);
+  if (universal !== void 0) return universal === "true" || universal === "1";
+  const specificMap = {
+    midtrans: ["MIDTRANS_IS_PRODUCTION"],
+    duitku: ["DUITKU_SANDBOX"],
+    ipaymu: ["IPAYMU_SANDBOX"],
+    doku: ["DOKU_SANDBOX"],
+    prismalink: ["PRISMALINK_SANDBOX"],
+    faspay: ["FASPAY_SANDBOX"],
+    finpay: ["FINPAY_SANDBOX"],
+    nicepay: ["NICEPAY_SANDBOX"],
+    oy: ["OY_SANDBOX"],
+    stripe: ["STRIPE_SANDBOX"],
+    paypal: ["PAYPAL_SANDBOX"],
+    adyen: ["ADYEN_SANDBOX"],
+    checkoutcom: ["CHECKOUTCOM_SANDBOX"],
+    razorpay: ["RAZORPAY_SANDBOX"],
+    square: ["SQUARE_SANDBOX"],
+    payu: ["PAYU_SANDBOX"],
+    braintree: ["BRAINTREE_SANDBOX"],
+    twocheckout: ["TWOCHECKOUT_SANDBOX"],
+    xendit: ["XENDIT_SANDBOX"]
+  };
+  const specific = firstDefined(env, specificMap[provider]);
+  if (specific !== void 0) {
+    if (provider === "midtrans") return specific !== "true" && specific !== "1";
+    return specific === "true" || specific === "1";
+  }
+  return env.NODE_ENV !== "production";
+}
 function resolveConfigFromEnv(customConfig) {
   const env = typeof process !== "undefined" && process?.env ? process.env : {};
-  const provider = (customConfig?.provider || env.PROVIDER_PG || env.PG_PROVIDER || env.BUAYAR_PROVIDER || env.PAYMENT_PROVIDER || "midtrans").toLowerCase().trim();
-  let sandbox;
-  if (customConfig?.sandbox !== void 0) {
-    sandbox = customConfig.sandbox;
-  } else if (env.BUAYAR_SANDBOX !== void 0) {
-    sandbox = env.BUAYAR_SANDBOX === "true" || env.BUAYAR_SANDBOX === "1";
-  } else if (env.PG_SANDBOX !== void 0) {
-    sandbox = env.PG_SANDBOX === "true" || env.PG_SANDBOX === "1";
-  } else if (env.PAYMENT_SANDBOX !== void 0) {
-    sandbox = env.PAYMENT_SANDBOX === "true" || env.PAYMENT_SANDBOX === "1";
-  } else if (env.MIDTRANS_IS_PRODUCTION !== void 0) {
-    sandbox = env.MIDTRANS_IS_PRODUCTION !== "true" && env.MIDTRANS_IS_PRODUCTION !== "1";
-  } else if (env.DUITKU_SANDBOX !== void 0) {
-    sandbox = env.DUITKU_SANDBOX === "true" || env.DUITKU_SANDBOX === "1";
-  } else if (env.IPAYMU_SANDBOX !== void 0) {
-    sandbox = env.IPAYMU_SANDBOX === "true" || env.IPAYMU_SANDBOX === "1";
-  } else if (env.DOKU_SANDBOX !== void 0) {
-    sandbox = env.DOKU_SANDBOX === "true" || env.DOKU_SANDBOX === "1";
-  } else if (env.PRISMALINK_SANDBOX !== void 0) {
-    sandbox = env.PRISMALINK_SANDBOX === "true" || env.PRISMALINK_SANDBOX === "1";
-  } else if (env.FASPAY_SANDBOX !== void 0) {
-    sandbox = env.FASPAY_SANDBOX === "true" || env.FASPAY_SANDBOX === "1";
-  } else if (env.FINPAY_SANDBOX !== void 0) {
-    sandbox = env.FINPAY_SANDBOX === "true" || env.FINPAY_SANDBOX === "1";
-  } else if (env.NICEPAY_SANDBOX !== void 0) {
-    sandbox = env.NICEPAY_SANDBOX === "true" || env.NICEPAY_SANDBOX === "1";
-  } else if (env.OY_SANDBOX !== void 0) {
-    sandbox = env.OY_SANDBOX === "true" || env.OY_SANDBOX === "1";
-  } else if (env.STRIPE_SANDBOX !== void 0) {
-    sandbox = env.STRIPE_SANDBOX === "true" || env.STRIPE_SANDBOX === "1";
-  } else if (env.PAYPAL_SANDBOX !== void 0) {
-    sandbox = env.PAYPAL_SANDBOX === "true" || env.PAYPAL_SANDBOX === "1";
-  } else if (env.ADYEN_SANDBOX !== void 0) {
-    sandbox = env.ADYEN_SANDBOX === "true" || env.ADYEN_SANDBOX === "1";
-  } else if (env.CHECKOUTCOM_SANDBOX !== void 0) {
-    sandbox = env.CHECKOUTCOM_SANDBOX === "true" || env.CHECKOUTCOM_SANDBOX === "1";
-  } else if (env.RAZORPAY_SANDBOX !== void 0) {
-    sandbox = env.RAZORPAY_SANDBOX === "true" || env.RAZORPAY_SANDBOX === "1";
-  } else if (env.SQUARE_SANDBOX !== void 0) {
-    sandbox = env.SQUARE_SANDBOX === "true" || env.SQUARE_SANDBOX === "1";
-  } else if (env.PAYU_SANDBOX !== void 0) {
-    sandbox = env.PAYU_SANDBOX === "true" || env.PAYU_SANDBOX === "1";
-  } else if (env.BRAINTREE_SANDBOX !== void 0) {
-    sandbox = env.BRAINTREE_SANDBOX === "true" || env.BRAINTREE_SANDBOX === "1";
-  } else if (env.TWOCHECKOUT_SANDBOX !== void 0) {
-    sandbox = env.TWOCHECKOUT_SANDBOX === "true" || env.TWOCHECKOUT_SANDBOX === "1";
-  } else {
-    sandbox = env.NODE_ENV !== "production";
-  }
-  let apiKey = customConfig?.apiKey || customConfig?.serverKey || customConfig?.secretKey;
-  if (!apiKey) {
-    if (provider === "midtrans") {
-      apiKey = env.MIDTRANS_SERVER_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY || env.BUAYAR_SERVER_KEY;
-    } else if (provider === "duitku") {
-      apiKey = env.DUITKU_API_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "ipaymu") {
-      apiKey = env.IPAYMU_API_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "xendit") {
-      apiKey = env.XENDIT_SECRET_KEY || env.XENDIT_API_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "doku") {
-      apiKey = env.DOKU_SECRET_KEY || env.DOKU_API_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "prismalink") {
-      apiKey = env.PRISMALINK_SECRET_KEY || env.PRISMALINK_API_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "faspay") {
-      apiKey = env.FASPAY_PASSWORD || env.FASPAY_API_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "finpay") {
-      apiKey = env.FINPAY_MERCHANT_KEY || env.FINPAY_SECRET_KEY || env.FINPAY_API_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "nicepay") {
-      apiKey = env.NICEPAY_KEY || env.NICEPAY_MERCHANT_KEY || env.NICEPAY_SECRET_KEY || env.NICEPAY_API_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "oy" || provider === "oyindonesia") {
-      apiKey = env.OY_API_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "stripe") {
-      apiKey = env.STRIPE_SECRET_KEY || env.STRIPE_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "paypal") {
-      apiKey = env.PAYPAL_CLIENT_SECRET || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "adyen") {
-      apiKey = env.ADYEN_API_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "checkoutcom") {
-      apiKey = env.CHECKOUTCOM_SECRET_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "razorpay") {
-      apiKey = env.RAZORPAY_KEY_SECRET || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "square") {
-      apiKey = env.SQUARE_ACCESS_TOKEN || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "payu") {
-      apiKey = env.PAYU_MD5_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "braintree") {
-      apiKey = env.BRAINTREE_PRIVATE_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else if (provider === "twocheckout" || provider === "2checkout") {
-      apiKey = env.TWOCHECKOUT_SECRET_KEY || env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY;
-    } else {
-      apiKey = env.BUAYAR_API_KEY || env.PG_API_KEY || env.PAYMENT_API_KEY || env.PG_SECRET_KEY || env.BUAYAR_SECRET_KEY;
-    }
-  }
-  let merchantCode = customConfig?.merchantCode;
-  let clientKey = customConfig?.clientKey;
-  let merchantId = customConfig?.merchantId;
-  if (provider === "midtrans") {
-    clientKey = clientKey || env.MIDTRANS_CLIENT_KEY || env.BUAYAR_CLIENT_KEY || env.PG_CLIENT_KEY;
-    merchantId = merchantId || env.MIDTRANS_MERCHANT_ID || env.BUAYAR_MERCHANT_ID || env.PG_MERCHANT_ID;
-    merchantCode = merchantCode || clientKey || merchantId || env.BUAYAR_MERCHANT_CODE || env.PG_MERCHANT_CODE;
-  } else if (provider === "duitku") {
-    merchantCode = merchantCode || env.DUITKU_MERCHANT_CODE || env.BUAYAR_MERCHANT_CODE || env.PG_MERCHANT_CODE || env.PAYMENT_MERCHANT_CODE;
-  } else if (provider === "ipaymu") {
-    merchantCode = merchantCode || env.IPAYMU_VA || env.IPAYMU_MERCHANT_CODE || env.BUAYAR_MERCHANT_CODE || env.PG_MERCHANT_CODE || env.PAYMENT_MERCHANT_CODE;
-  } else if (provider === "doku") {
-    merchantCode = merchantCode || env.DOKU_CLIENT_ID || env.DOKU_MERCHANT_ID || env.BUAYAR_MERCHANT_CODE || env.PG_MERCHANT_CODE || env.PAYMENT_MERCHANT_CODE;
-    clientKey = clientKey || customConfig?.merchantCode || env.DOKU_CLIENT_ID || env.BUAYAR_CLIENT_KEY;
-  } else if (provider === "prismalink") {
-    merchantCode = merchantCode || env.PRISMALINK_MERCHANT_ID || env.BUAYAR_MERCHANT_CODE || env.PG_MERCHANT_CODE || env.PAYMENT_MERCHANT_CODE;
-    merchantId = merchantId || env.PRISMALINK_MERCHANT_ID || env.BUAYAR_MERCHANT_ID;
-  } else if (provider === "faspay") {
-    merchantCode = merchantCode || env.FASPAY_MERCHANT_ID || env.BUAYAR_MERCHANT_CODE || env.PG_MERCHANT_CODE || env.PAYMENT_MERCHANT_CODE;
-    merchantId = merchantId || env.FASPAY_MERCHANT_ID || env.BUAYAR_MERCHANT_ID;
-    clientKey = clientKey || env.FASPAY_USER_ID || env.BUAYAR_CLIENT_KEY;
-  } else if (provider === "finpay") {
-    merchantCode = merchantCode || env.FINPAY_MERCHANT_ID || env.BUAYAR_MERCHANT_CODE || env.PG_MERCHANT_CODE || env.PAYMENT_MERCHANT_CODE;
-    merchantId = merchantId || env.FINPAY_MERCHANT_ID || env.BUAYAR_MERCHANT_ID;
-  } else if (provider === "nicepay") {
-    merchantCode = merchantCode || env.NICEPAY_IMID || env.NICEPAY_MERCHANT_ID || env.BUAYAR_MERCHANT_CODE || env.PG_MERCHANT_CODE || env.PAYMENT_MERCHANT_CODE;
-    merchantId = merchantId || env.NICEPAY_IMID || env.BUAYAR_MERCHANT_ID;
-  } else if (provider === "oy" || provider === "oyindonesia") {
-    merchantCode = merchantCode || env.OY_USERNAME || env.BUAYAR_MERCHANT_CODE || env.PG_MERCHANT_CODE || env.PAYMENT_MERCHANT_CODE;
-    clientKey = clientKey || customConfig?.merchantCode || env.OY_USERNAME || env.BUAYAR_CLIENT_KEY;
-  } else if (provider === "stripe") {
-    clientKey = clientKey || env.STRIPE_PUBLIC_KEY || env.STRIPE_PUBLISHABLE_KEY || env.BUAYAR_CLIENT_KEY || env.BUAYAR_PUBLIC_KEY;
-    merchantCode = merchantCode || clientKey || "stripe";
-  } else if (provider === "paypal") {
-    clientKey = clientKey || env.PAYPAL_CLIENT_ID || env.BUAYAR_CLIENT_KEY;
-    merchantCode = merchantCode || env.PAYPAL_CLIENT_ID || env.BUAYAR_MERCHANT_CODE;
-  } else if (provider === "adyen") {
-    clientKey = clientKey || env.ADYEN_CLIENT_KEY || env.BUAYAR_CLIENT_KEY;
-    merchantCode = merchantCode || env.ADYEN_MERCHANT_ACCOUNT || env.BUAYAR_MERCHANT_CODE;
-    merchantId = merchantId || env.ADYEN_MERCHANT_ACCOUNT || env.BUAYAR_MERCHANT_ID;
-  } else if (provider === "checkoutcom") {
-    clientKey = clientKey || env.CHECKOUTCOM_PUBLIC_KEY || env.BUAYAR_CLIENT_KEY;
-    merchantCode = merchantCode || env.BUAYAR_MERCHANT_CODE;
-  } else if (provider === "razorpay") {
-    clientKey = clientKey || env.RAZORPAY_KEY_ID || env.BUAYAR_CLIENT_KEY;
-    merchantCode = merchantCode || env.RAZORPAY_KEY_ID || env.BUAYAR_MERCHANT_CODE;
-  } else if (provider === "square") {
-    clientKey = clientKey || env.SQUARE_APPLICATION_ID || env.BUAYAR_CLIENT_KEY;
-    merchantCode = merchantCode || env.SQUARE_APPLICATION_ID || env.BUAYAR_MERCHANT_CODE;
-  } else if (provider === "payu") {
-    merchantCode = merchantCode || env.PAYU_POS_ID || env.BUAYAR_MERCHANT_CODE;
-    merchantId = merchantId || env.PAYU_POS_ID;
-  } else if (provider === "braintree") {
-    clientKey = clientKey || env.BRAINTREE_PUBLIC_KEY || env.BUAYAR_CLIENT_KEY;
-    merchantCode = merchantCode || env.BRAINTREE_MERCHANT_ID || env.BUAYAR_MERCHANT_CODE;
-    merchantId = merchantId || env.BRAINTREE_MERCHANT_ID;
-  } else if (provider === "twocheckout" || provider === "2checkout") {
-    merchantCode = merchantCode || env.TWOCHECKOUT_MERCHANT_CODE || env.BUAYAR_MERCHANT_CODE;
-    merchantId = merchantId || env.TWOCHECKOUT_MERCHANT_CODE;
-  } else {
-    merchantCode = merchantCode || env.BUAYAR_MERCHANT_CODE || env.PG_MERCHANT_CODE || env.PAYMENT_MERCHANT_CODE;
-  }
-  const projectId = customConfig?.projectId || env.BUAYAR_PROJECT_ID || env.PG_PROJECT_ID || env.PROJECT_ID || env.SQUARE_LOCATION_ID;
-  const publicKey = customConfig?.publicKey || env.BUAYAR_PUBLIC_KEY || env.PG_PUBLIC_KEY || env.PUBLIC_KEY || env.STRIPE_PUBLIC_KEY || env.STRIPE_PUBLISHABLE_KEY || env.CHECKOUTCOM_PUBLIC_KEY;
-  const privateKey = customConfig?.privateKey || env.BUAYAR_PRIVATE_KEY || env.PG_PRIVATE_KEY || env.PRIVATE_KEY || env.BRAINTREE_PRIVATE_KEY;
-  const secretKey = customConfig?.secretKey || customConfig?.apiKey || customConfig?.serverKey || env.BUAYAR_SECRET_KEY || env.PG_SECRET_KEY || env.SECRET_KEY || env.XENDIT_SECRET_KEY || env.DOKU_SECRET_KEY || env.PRISMALINK_SECRET_KEY || env.FASPAY_PASSWORD || env.FINPAY_MERCHANT_KEY || env.NICEPAY_KEY || env.OY_API_KEY || env.STRIPE_SECRET_KEY || env.PAYPAL_CLIENT_SECRET || env.CHECKOUTCOM_SECRET_KEY || env.RAZORPAY_KEY_SECRET || env.SQUARE_ACCESS_TOKEN || env.BRAINTREE_PRIVATE_KEY || env.TWOCHECKOUT_SECRET_KEY;
+  const explicit = (customConfig?.provider || env.PROVIDER_PG || env.PG_PROVIDER || env.BUAYAR_PROVIDER || env.PAYMENT_PROVIDER || "").toLowerCase().trim();
+  let provider = explicit || providerRegistry.detectFromEnv(env) || "midtrans";
+  provider = provider.replace("oyindonesia", "oy").replace("2checkout", "twocheckout");
+  const sandbox = customConfig?.sandbox ?? resolveSandbox(env, provider);
+  const spec = SPECIFIC[provider] || {};
+  const cfg = {};
+  const fields = ["apiKey", "clientKey", "merchantCode", "merchantId", "secretKey", "serverKey", "projectId"];
+  for (const f of fields) {
+    const universalKeys = UNIVERSAL[f] || [];
+    const specificKeys = spec[f] || [];
+    const universal = firstDefined(env, universalKeys);
+    const specific = firstDefined(env, specificKeys);
+    const value = universal || specific;
+    const explicitValue = customConfig?.[f] || customConfig && (f === "apiKey" ? customConfig.secretKey || customConfig.serverKey : void 0);
+    cfg[f] = explicitValue || value || "";
+  }
   const callbackUrl = customConfig?.callbackUrl || env.BUAYAR_CALLBACK_URL || env.PG_CALLBACK_URL || env.PAYMENT_CALLBACK_URL;
   const returnUrl = customConfig?.returnUrl || env.BUAYAR_RETURN_URL || env.PG_RETURN_URL || env.PAYMENT_RETURN_URL;
+  const publicKey = customConfig?.publicKey || firstDefined(env, ["BUAYAR_PUBLIC_KEY", "PG_PUBLIC_KEY", "PUBLIC_KEY"]) || cfg.clientKey;
+  const privateKey = customConfig?.privateKey || firstDefined(env, ["BUAYAR_PRIVATE_KEY", "PG_PRIVATE_KEY", "PRIVATE_KEY"]) || (provider === "braintree" ? cfg.apiKey : void 0);
   const extra = {
     webhookToken: env.XENDIT_WEBHOOK_TOKEN || env.BUAYAR_WEBHOOK_TOKEN,
     webhookSecret: env.STRIPE_WEBHOOK_SECRET || env.CHECKOUTCOM_WEBHOOK_SECRET || env.RAZORPAY_WEBHOOK_SECRET || env.BUAYAR_WEBHOOK_SECRET,
@@ -9760,15 +10145,16 @@ function resolveConfigFromEnv(customConfig) {
     secretWord: env.TWOCHECKOUT_SECRET_WORD,
     ...customConfig?.extra
   };
+  const apiKey = cfg.apiKey || cfg.secretKey || cfg.serverKey;
   return {
-    provider: provider === "oyindonesia" ? "oy" : provider === "2checkout" ? "twocheckout" : provider,
-    apiKey: apiKey || "",
+    provider,
+    apiKey,
     serverKey: apiKey || "",
-    secretKey: secretKey || apiKey || "",
-    merchantCode: merchantCode || "",
-    clientKey: clientKey || "",
-    merchantId: merchantId || "",
-    projectId,
+    secretKey: apiKey || "",
+    merchantCode: cfg.merchantCode || "",
+    clientKey: cfg.clientKey || "",
+    merchantId: cfg.merchantId || "",
+    projectId: cfg.projectId || "",
     publicKey,
     privateKey,
     sandbox,
@@ -9782,8 +10168,10 @@ function resolveConfigFromEnv(customConfig) {
 var Buayar = class {
   manager;
   config;
-  constructor(config, manager) {
+  registry;
+  constructor(config, manager, registry) {
     this.manager = manager || paymentManager;
+    this.registry = registry || providerRegistry;
     this.config = resolveConfigFromEnv(config);
   }
   /**
@@ -9816,6 +10204,62 @@ var Buayar = class {
   getProvider(name) {
     return this.manager.getProvider(name || this.provider);
   }
+  /**
+   * Daftar nama provider yang terdaftar (bawaan + kustom).
+   */
+  listProviders() {
+    return this.registry.names();
+  }
+  /**
+   * Registrasi metadata provider kustom untuk deteksi & capability.
+   * Contoh: buayar.registerProviderDescriptor({ name, envKeys, methods, operations })
+   */
+  registerProviderDescriptor(desc) {
+    this.registry.register(desc);
+  }
+  /**
+   * Cek capability (metode + operasi) provider tertentu — atau provider aktif bila kosong.
+   * Jawab pertanyaan "provider ini dukung apa?" secara runtime, tanpa bongkar dokumen.
+   */
+  getCapabilities(name) {
+    const n = name || this.provider;
+    const desc = this.registry.get(n);
+    if (!desc) return void 0;
+    return { methods: desc.methods, operations: desc.operations };
+  }
+  /**
+   * Deteksi nama provider dari struktur payload webhook.
+   */
+  detectProviderFromPayload(payload) {
+    return this.registry.detectFromWebhook(payload);
+  }
+  /**
+   * Deteksi nama provider aktif dari variabel lingkungan (kredensial yang terisi).
+   */
+  detectProviderFromEnv(env) {
+    return this.registry.detectFromEnv(env || process.env);
+  }
+  /**
+   * Logika "bisa pakai X dengan provider Y?" — helper untuk portabilitas.
+   */
+  supports(name, operation) {
+    const desc = this.registry.get(name);
+    return desc ? desc.operations[operation] : false;
+  }
+  /**
+   * Daftar metode pembayaran yang benar2 tersedia untuk provider aktif.
+   */
+  getSupportedMethods(name) {
+    const n = name || this.provider;
+    return this.registry.get(n)?.methods || [];
+  }
+  /**
+   * Iterasi CEPAT: apakah provider aktif mendukung method kanonik tertentu?
+   */
+  supportsMethod(method, name) {
+    const n = name || this.provider;
+    return this.registry.get(n)?.methods.includes(method) ?? false;
+  }
   /**
    * Buat transaksi pembayaran baru (Mendukung Semi dan Full Integrasi)
    */
@@ -9890,47 +10334,8 @@ var Buayar = class {
       }
     }
     let providerName = configOverride?.provider || this.provider;
-    if (payload) {
-      if (payload.signature_key && payload.transaction_status) {
-        providerName = "midtrans";
-      } else if (payload.merchantCode && payload.merchantOrderId && payload.resultCode) {
-        providerName = "duitku";
-      } else if (payload.trx_id && (payload.sid || payload.reference_id || payload.via)) {
-        providerName = "ipaymu";
-      } else if (payload.service?.id || payload.order?.invoice_number && payload.transaction?.status) {
-        providerName = "doku";
-      } else if (payload.bill_no && (payload.payment_status_code !== void 0 || payload.payment_status_desc)) {
-        providerName = "faspay";
-      } else if (payload.merchant_id && payload.order_id && payload.payment_status) {
-        providerName = "finpay";
-      } else if (payload.tXid && payload.merchantToken && (payload.referenceNo || payload.amt)) {
-        providerName = "nicepay";
-      } else if (payload.partner_tx_id || payload.partner_trx_id) {
-        providerName = "oy";
-      } else if (payload.merchant_id && payload.order_id && payload.signature) {
-        providerName = "prismalink";
-      } else if (payload.object === "event" || payload.type && payload.data?.object && payload.api_version) {
-        providerName = "stripe";
-      } else if (payload.event && payload.payload?.payment?.entity) {
-        providerName = "razorpay";
-      } else if (payload.external_id || payload.event?.startsWith("payment.") || payload.event?.startsWith("qr.") || payload.data?.reference_id) {
-        providerName = "xendit";
-      } else if (payload.event_type && payload.resource && (payload.event_type.startsWith("PAYMENT.") || payload.event_type.startsWith("CHECKOUT.ORDER."))) {
-        providerName = "paypal";
-      } else if (payload.notificationItems || payload.merchantAccountCode && payload.pspReference && payload.eventCode) {
-        providerName = "adyen";
-      } else if (payload.type && payload.data?._links && (payload.type.startsWith("payment_") || payload.type.startsWith("refund_"))) {
-        providerName = "checkoutcom";
-      } else if (payload.type && payload.data?.object?.status && payload.merchant_id) {
-        providerName = "square";
-      } else if (payload.order && payload.order?.status && payload.order?.extOrderId) {
-        providerName = "payu";
-      } else if (payload.kind && payload.subject?.transaction) {
-        providerName = "braintree";
-      } else if (payload.HASH && payload.REFNOEXT && payload.IPN_PID) {
-        providerName = "twocheckout";
-      }
-    }
+    const detected = this.registry.detectFromWebhook(payload);
+    if (detected) providerName = detected;
     return this.manager.verifyCallback(providerName, payload, mergedConfig);
   }
   async handleWebhook(payload, headers, configOverride) {
@@ -10072,8 +10477,10 @@ var buayar = new Buayar();
   PayuProvider,
   PrismalinkClient,
   PrismalinkProvider,
+  ProviderRegistry,
   RazorpayClient,
   RazorpayProvider,
+  SnapApiError,
   SnapClient,
   SquareClient,
   SquareProvider,
@@ -10086,6 +10493,7 @@ var buayar = new Buayar();
   buayar,
   buildBraintreeBasicAuth,
   buildCoreChargePayload,
+  buildDefaultDescriptors,
   buildPaypalBasicAuth,
   buildPayuBasicAuth,
   buildRazorpayBasicAuth,
@@ -10110,6 +10518,7 @@ var buayar = new Buayar();
   minifyJson,
   parseCoreChargeResponse,
   paymentManager,
+  providerRegistry,
   resolveConfigFromEnv,
   safeCompare,
   serializePaypalParams,
@@ -10117,6 +10526,7 @@ var buayar = new Buayar();
   sha256,
   sha256Hex,
   sha512,
+  snapErrorHint,
   snapExternalId,
   snapTimestamp,
   snapUtcTimestamp,