@fantastic.dev/better-stripe 0.25.1 → 0.27.0

package/dist/component/payoutRelease/queries.js

@@ -1,3 +1,4 @@
+import { previewFields, previewResult, previewPlan } from "./preview.js";
 import { paginator } from "convex-helpers/server/pagination";
 import schema from "../schema.js";
 import { transferDocValidator } from "../connect/validators.js";
@@ -8,6 +9,11 @@ import { query } from "../_generated/server.js";
 import { identity, claimDoc } from "./schema.js";
 import { validateIdentity } from "./helpers.js";
 import { readPolicy } from "../payoutPolicy/helpers.js";
+export const preview = query({
+    args: previewFields,
+    returns: previewResult,
+    handler: previewPlan,
+});
 export const get = query({
     args: identity,
     returns: v.union(claimDoc, v.null()),

package/dist/component/payoutRelease/queries.js.map

@@ -1 +1 @@
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package/dist/react/workflows/PayoutProgress.d.ts

@@ -0,0 +1,5 @@
+import { type PayoutProgressProps } from "./payout-progress-state.js";
+export type { PayoutProgressMetric, PayoutProgressProps, PayoutProgressState, } from "./payout-progress-state.js";
+/** Unstyled, read-only progress. A preview never authorizes or requests a payout. */
+export declare function PayoutProgress(props: PayoutProgressProps): import("react").JSX.Element;
+//# sourceMappingURL=PayoutProgress.d.ts.map

package/dist/react/workflows/PayoutProgress.d.ts.map

@@ -0,0 +1 @@
+{"version":3,"file":"PayoutProgress.d.ts","sourceRoot":"","sources":["../../../src/react/workflows/PayoutProgress.tsx"],"names":[],"mappings":"AAEA,OAAO,EAEL,KAAK,mBAAmB,EACzB,MAAM,4BAA4B,CAAC;AACpC,YAAY,EACV,oBAAoB,EACpB,mBAAmB,EACnB,mBAAmB,GACpB,MAAM,4BAA4B,CAAC;AACpC,qFAAqF;AACrF,wBAAgB,cAAc,CAAC,KAAK,EAAE,mBAAmB,+BAiFxD"}

package/dist/react/workflows/PayoutProgress.js

@@ -0,0 +1,23 @@
+"use client";
+import { Fragment as _Fragment, jsx as _jsx, jsxs as _jsxs } from "react/jsx-runtime";
+import { useMemo } from "react";
+import { payoutProgressState, } from "./payout-progress-state.js";
+/** Unstyled, read-only progress. A preview never authorizes or requests a payout. */
+export function PayoutProgress(props) {
+    const { currency, locale = "en-US", timeZone, className, children } = props;
+    const state = payoutProgressState(props);
+    const formatter = useMemo(() => new Intl.DateTimeFormat(locale, {
+        dateStyle: "medium",
+        timeStyle: "short",
+        timeZone,
+    }), [locale, timeZone]);
+    if (children)
+        return _jsx(_Fragment, { children: children(state) });
+    const date = (value) => formatter.format(value);
+    return (_jsxs("section", { className: className, "data-better-stripe": "payout-progress", children: [_jsxs("h2", { children: ["Automatic payout progress (", currency.toUpperCase(), ")"] }), _jsx("p", { role: "status", children: state.message }), _jsx("p", { children: "Stripe enforces its payout floor; a numeric amount is unavailable." }), state.progress && (_jsx("progress", { "aria-label": "Combined payout minimum", value: state.progress.value, max: state.progress.max })), state.metrics.length > 0 && (_jsx("dl", { children: state.metrics.map((metric) => (_jsxs("div", { children: [_jsx("dt", { children: metric.label }), _jsx("dd", { children: metric.formattedValue })] }, metric.key))) })), state.sources.length > 0 && (_jsxs(_Fragment, { children: [_jsx("p", { children: "All categories contribute to one minimum. Source amounts are before shared costs and obligations. Pending funds do not qualify." }), _jsxs("table", { children: [_jsx("caption", { children: "Source contributions" }), _jsx("thead", { children: _jsxs("tr", { children: [_jsx("th", { scope: "col", children: "Source" }), _jsx("th", { scope: "col", children: "Mature unpaid" }), _jsx("th", { scope: "col", children: "Pending settlement" })] }) }), _jsx("tbody", { children: state.sources.map((source) => (_jsxs("tr", { children: [_jsx("th", { scope: "row", children: source.role === "store"
+                                                ? "Store"
+                                                : source.role === "affiliate"
+                                                    ? "Affiliate"
+                                                    : "Other" }), _jsx("td", { children: source.matureLabel }), _jsx("td", { children: source.pendingLabel })] }, source.role))) })] })] })), state.nextAttemptAt !== null && (_jsxs("p", { children: ["Next automatic attempt: ", date(state.nextAttemptAt), ". This is not a bank arrival date."] })), state.holdDeadline !== null && (_jsxs("p", { children: ["Custom holding deadline: ", date(state.holdDeadline)] })), state.observedAt !== null && _jsxs("p", { children: ["Assessed: ", date(state.observedAt)] })] }));
+}
+//# sourceMappingURL=PayoutProgress.js.map

package/dist/react/workflows/PayoutProgress.js.map

@@ -0,0 +1 @@
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package/dist/react/workflows/PayoutSettings.d.ts

@@ -0,0 +1,44 @@
+import { type ReactNode } from "react";
+import type { PayoutPolicy } from "../../client/payoutPolicy.js";
+export type PayoutSettingsChange = {
+    currency: string;
+    mode: "custom" | "stripe_managed";
+    expectedRevision: number;
+    minimum?: number;
+    consent: boolean;
+};
+export type PayoutSettingsResult = {
+    status: "ready" | "unsupported" | "migration_required" | "schedule_drift" | "canceled";
+    reason?: string;
+};
+export type PayoutSettingsProps = {
+    scopeKey: string;
+    currency: string;
+    policy: Pick<PayoutPolicy, "mode" | "status" | "revision" | "thresholds"> | null | undefined;
+    onSave: (change: PayoutSettingsChange) => Promise<PayoutSettingsResult>;
+    onRetry?: () => Promise<PayoutSettingsResult>;
+    children?: (state: PayoutSettingsState) => ReactNode;
+};
+export type PayoutSettingsState = {
+    inputId: string;
+    currency: string;
+    mode: "custom" | "stripe_managed";
+    setMode: (mode: "custom" | "stripe_managed") => void;
+    minimum: string;
+    setMinimum: (minimum: string) => void;
+    consent: boolean;
+    setConsent: (consent: boolean) => void;
+    isLoading: boolean;
+    isChanging: boolean;
+    isPending: boolean;
+    canSave: boolean;
+    error: string | null;
+    message: string | null;
+    save: () => Promise<unknown>;
+    retry: () => Promise<unknown>;
+};
+/** Host callbacks authorize ownership and persist immutable schedule operations. */
+export declare function usePayoutSettings(props: PayoutSettingsProps): PayoutSettingsState;
+/** Unstyled account-wide schedule editor. It offers no payout or withdrawal action. */
+export declare function PayoutSettings(props: PayoutSettingsProps): import("react").JSX.Element;
+//# sourceMappingURL=PayoutSettings.d.ts.map

package/dist/react/workflows/PayoutSettings.d.ts.map

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package/dist/react/workflows/PayoutSettings.js

@@ -0,0 +1,84 @@
+"use client";
+import { Fragment as _Fragment, jsx as _jsx, jsxs as _jsxs } from "react/jsx-runtime";
+import { useId, useState } from "react";
+import { chargeAmountToDecimal, parseChargeAmount, } from "../../client/charge-currency.js";
+import { useWorkflowAction } from "./useWorkflowAction.js";
+const messages = {
+    ready: "Payout settings verified.",
+    migration_required: "Existing funds or payouts need reconciliation before this schedule can change.",
+    unsupported: "Custom payout scheduling is unavailable for this account. Review the current policy and Stripe schedule.",
+    schedule_drift: "The Stripe payout schedule changed. Reconciliation is required before this operation can complete.",
+    canceled: "The settings change was canceled. Refresh to view the current payout policy.",
+};
+/** Host callbacks authorize ownership and persist immutable schedule operations. */
+export function usePayoutSettings(props) {
+    const inputId = useId();
+    const scope = `${props.scopeKey}:${props.currency}:${props.policy?.revision ?? -1}:${props.policy?.status ?? "default"}`;
+    const configured = props.policy?.thresholds.find((t) => t.currency === props.currency);
+    const initial = {
+        scope,
+        mode: props.policy?.mode ?? "stripe_managed",
+        minimum: configured
+            ? (chargeAmountToDecimal(configured.amount, props.currency) ?? "")
+            : "",
+        consent: false,
+    };
+    const [fields, setFields] = useState(initial);
+    if (fields.scope !== scope)
+        setFields(initial);
+    const isLoading = props.policy === undefined;
+    const isChanging = props.policy?.status === "changing";
+    // This only parses ordinary currency units; provider capability/floor checks stay on the server.
+    const minimum = parseChargeAmount(fields.minimum.trim(), props.currency);
+    const valid = fields.mode === "stripe_managed" ||
+        (minimum !== null && minimum > 0 && fields.consent);
+    const action = useWorkflowAction(async (retry) => {
+        if (retry) {
+            if (!props.onRetry)
+                throw new Error("Settings retry is unavailable.");
+            return props.onRetry();
+        }
+        if (isLoading || isChanging || !valid)
+            throw new Error("Enter a positive minimum and consent to custom scheduling before saving.");
+        return props.onSave({
+            currency: props.currency,
+            expectedRevision: props.policy?.revision ?? -1,
+            mode: fields.mode,
+            ...(fields.mode === "custom" ? { minimum: minimum } : {}),
+            consent: fields.mode === "custom" && fields.consent,
+        });
+    }, scope);
+    const update = (values) => {
+        action.reset();
+        setFields((old) => ({ ...old, ...values }));
+    };
+    return {
+        inputId,
+        currency: props.currency,
+        mode: fields.mode,
+        minimum: fields.minimum,
+        consent: fields.consent,
+        setMode: (mode) => update({ mode, consent: false }),
+        setMinimum: (minimum) => update({ minimum }),
+        setConsent: (consent) => update({ consent }),
+        isLoading,
+        isChanging,
+        isPending: action.isPending,
+        canSave: !isLoading && !isChanging && !action.isPending && valid,
+        error: action.error,
+        message: action.result ? messages[action.result.status] : null,
+        save: () => action.run(false),
+        retry: () => action.run(true),
+    };
+}
+/** Unstyled account-wide schedule editor. It offers no payout or withdrawal action. */
+export function PayoutSettings(props) {
+    const state = usePayoutSettings(props);
+    if (props.children)
+        return _jsx(_Fragment, { children: props.children(state) });
+    return (_jsxs("form", { "data-better-stripe": "payout-settings", onSubmit: (event) => {
+            event.preventDefault();
+            void state.save();
+        }, children: [_jsx("h2", { children: "Payout settings" }), _jsx("label", { htmlFor: `${state.inputId}-mode`, children: "Automatic payout policy" }), _jsxs("select", { id: `${state.inputId}-mode`, value: state.mode, disabled: state.isLoading || state.isPending || state.isChanging, onChange: (event) => state.setMode(event.target.value), children: [_jsx("option", { value: "stripe_managed", children: "Stripe-managed automatic payouts, all currencies" }), _jsx("option", { value: "custom", children: "Custom combined minimum" })] }), state.mode === "custom" && (_jsxs(_Fragment, { children: [_jsxs("label", { htmlFor: `${state.inputId}-minimum`, children: ["Minimum (", props.currency.toUpperCase(), ")"] }), _jsx("input", { id: `${state.inputId}-minimum`, inputMode: "decimal", value: state.minimum, disabled: state.isPending || state.isChanging, onChange: (event) => state.setMinimum(event.target.value) }), _jsxs("label", { children: [_jsx("input", { type: "checkbox", checked: state.consent, disabled: state.isPending || state.isChanging, onChange: (event) => state.setConsent(event.target.checked) }), "I agree to hold funds in my Stripe balance until the combined minimum is met, subject to the holding deadline."] }), _jsx("p", { children: "Store and affiliate earnings combine per currency. Below-minimum funds remain owed. Other currency minimums are preserved." })] })), state.isLoading && _jsx("p", { role: "status", children: "Loading payout settings\u2026" }), state.isChanging && (_jsx("p", { role: "status", children: "A settings change is being verified. The automatic worker will resume it." })), state.error && _jsx("p", { role: "alert", children: state.error }), state.message && _jsx("p", { role: "status", children: state.message }), _jsx("button", { type: "submit", disabled: !state.canSave, children: state.isPending ? "Saving…" : "Save payout settings" }), state.isChanging && props.onRetry && (_jsx("button", { type: "button", disabled: state.isPending, onClick: () => void state.retry(), children: "Retry settings verification" }))] }));
+}
+//# sourceMappingURL=PayoutSettings.js.map

package/dist/react/workflows/PayoutSettings.js.map

@@ -0,0 +1 @@
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package/dist/react/workflows/index.d.ts

@@ -8,6 +8,10 @@ export type { CheckoutFormState, CheckoutFormOptions, CheckoutFormProps, } from
 export { Connect } from "./Connect.js";
 export type { ConnectProps, ConnectComponent, ConnectRenderProps, } from "./Connect.js";
 export { Payouts } from "./Payouts.js";
+export { PayoutProgress } from "./PayoutProgress.js";
+export { PayoutSettings, usePayoutSettings } from "./PayoutSettings.js";
+export type { PayoutSettingsProps, PayoutSettingsState, PayoutSettingsChange, PayoutSettingsResult, } from "./PayoutSettings.js";
+export type { PayoutProgressProps, PayoutProgressState, PayoutProgressMetric, } from "./PayoutProgress.js";
 export type { PayoutsProps, HeadlessPayoutsProps, PayoutsRenderProps, PayoutSnapshot, PayoutRow, } from "./Payouts.js";
 export { Refunds, useRefunds, parseAmountCents, parseRefundAmount, } from "./Refunds.js";
 export type { RefundsProps, RefundsRenderProps, RefundActionsProps, RefundRequest, ReversalRequest, RefundResult, ReversalResult, } from "./Refunds.js";

package/dist/react/workflows/index.d.ts.map

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package/dist/react/workflows/index.js

@@ -4,6 +4,8 @@ export { Checkout } from "./Checkout.js";
 export { CheckoutElementsForm, PaymentIntentForm, CheckoutForm, } from "./CheckoutForms.js";
 export { Connect } from "./Connect.js";
 export { Payouts } from "./Payouts.js";
+export { PayoutProgress } from "./PayoutProgress.js";
+export { PayoutSettings, usePayoutSettings } from "./PayoutSettings.js";
 export { Refunds, useRefunds, parseAmountCents, parseRefundAmount, } from "./Refunds.js";
 export { Collection } from "./Collection.js";
 export { formatRefundAmount, groupRefundPreview } from "./refund-preview.js";

package/dist/react/workflows/index.js.map

@@ -1 +1 @@
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package/dist/react/workflows/payout-progress-state.d.ts

@@ -0,0 +1,43 @@
+import type { ReactNode } from "react";
+import type { PayoutPolicy, PayoutPreview } from "../../client/payoutPolicy.js";
+export type PayoutProgressMetric = {
+    key: "qualifying" | "pending" | "minimum" | "eligible" | "fees" | "liabilities";
+    label: string;
+    amount: number;
+    formattedValue: string;
+};
+export type PayoutProgressState = {
+    status: "loading" | "stripe_managed" | "changing" | "unavailable" | "assessed";
+    currency: string;
+    reason: string | null;
+    message: string;
+    metrics: PayoutProgressMetric[];
+    sources: {
+        role: "store" | "affiliate" | "other";
+        matureUnpaid: number;
+        pendingCredits: number;
+        matureLabel: string;
+        pendingLabel: string;
+    }[];
+    progress: {
+        value: number;
+        max: number;
+    } | null;
+    nextAttemptAt: number | null;
+    holdDeadline: number | null;
+    observedAt: number | null;
+};
+export type PayoutProgressProps = {
+    policy: Pick<PayoutPolicy, "mode" | "status" | "thresholds" | "holdDeadline"> | null | undefined;
+    preview?: PayoutPreview | null;
+    currency: string;
+    /** Application worker attempt time, never a bank arrival estimate. */
+    nextAttemptAt?: number | null;
+    locale?: string;
+    timeZone?: string;
+    className?: string;
+    /** Compose translated host cards with the same financial state. */
+    children?: (state: PayoutProgressState) => ReactNode;
+};
+export declare function payoutProgressState({ policy, preview, currency, nextAttemptAt, locale, }: PayoutProgressProps): PayoutProgressState;
+//# sourceMappingURL=payout-progress-state.d.ts.map

package/dist/react/workflows/payout-progress-state.d.ts.map

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package/dist/react/workflows/payout-progress-state.js

@@ -0,0 +1,93 @@
+import { formatPrice } from "../lib/price-helpers.js";
+const reasons = {
+    below_threshold: "Below-minimum funds remain owed and carry forward to a later automatic attempt.",
+    insufficient_available: "Qualifying earnings meet the minimum, but the supported Stripe payout balance is insufficient.",
+    affiliate_recovery_pending: "Commission recovery must settle before a new automatic payout can qualify.",
+    unallocated_history: "Previous Stripe activity needs reconciliation before unpaid entitlement can be assessed.",
+    pending_claim: "An existing payout is being reconciled before another payout can qualify.",
+    payout_unidentified: "A previous payout outcome needs reconciliation. No replacement payout will be created blindly.",
+    observations_stale: "Provider observations expired. Refresh the assessment.",
+    snapshot_limit: "This account needs continued history reconciliation before eligibility can be assessed.",
+    policy_changed: "Payout settings changed. Refresh the assessment.",
+};
+export function payoutProgressState({ policy, preview, currency, nextAttemptAt, locale = "en-US", }) {
+    const amount = (value) => formatPrice(value, currency, locale);
+    const state = {
+        status: "loading",
+        currency,
+        reason: null,
+        message: "Loading payout eligibility…",
+        metrics: [],
+        sources: [],
+        progress: null,
+        nextAttemptAt: null,
+        holdDeadline: policy?.mode === "custom" ? (policy.holdDeadline ?? null) : null,
+        observedAt: null,
+    };
+    if (policy !== undefined) {
+        if (!policy || policy.mode === "stripe_managed") {
+            state.status = "stripe_managed";
+            state.message =
+                "Stripe manages automatic payouts. No additional application minimum is set.";
+        }
+        else if (policy.status === "changing") {
+            state.status = "changing";
+            state.message =
+                "Payout settings are being verified. Eligibility is unavailable until the change completes.";
+        }
+        else if (preview !== undefined) {
+            state.nextAttemptAt = nextAttemptAt ?? null;
+            if (!preview || !("currency" in preview)) {
+                state.status = "unavailable";
+                state.reason = preview?.reason ?? "assessment_unavailable";
+                state.message =
+                    reasons[state.reason] ??
+                        "Automatic payout eligibility is unavailable. Refresh or contact support.";
+            }
+            else {
+                const configured = policy.thresholds.find((t) => t.currency === currency);
+                if (preview.currency !== currency ||
+                    !configured ||
+                    configured.amount !== preview.threshold)
+                    throw new Error("Payout progress currency or policy does not match the assessment.");
+                state.status = "assessed";
+                state.reason = preview.reason ?? null;
+                state.message =
+                    preview.status === "qualified"
+                        ? "The combined balance qualified at the assessment time. The automatic worker will verify it again before any payout."
+                        : (reasons[preview.reason ?? ""] ??
+                            "Automatic payout is on hold. Refresh or contact support.");
+                state.observedAt = preview.observedAt;
+                state.progress = {
+                    value: Math.max(0, Math.min(preview.threshold, preview.matureUnpaid)),
+                    max: preview.threshold,
+                };
+                const definitions = [
+                    ["qualifying", "Combined qualifying balance", preview.matureUnpaid],
+                    ["pending", "Pending settlement", preview.pendingCredits],
+                    ["minimum", "Combined payout minimum", preview.threshold],
+                    ["eligible", "Eligible at assessment", preview.amount],
+                    ["fees", "Confirmed payout costs", preview.confirmedFees],
+                    [
+                        "liabilities",
+                        "Other outstanding obligations",
+                        preview.independentLiabilities,
+                    ],
+                ];
+                state.metrics = definitions.map(([key, label, value]) => ({
+                    key,
+                    label,
+                    amount: value,
+                    formattedValue: amount(value),
+                }));
+                state.sources = preview.sources.map((source) => ({
+                    ...source,
+                    matureLabel: amount(source.matureUnpaid),
+                    pendingLabel: amount(source.pendingCredits),
+                }));
+            }
+        }
+    }
+    return state;
+}
+//# sourceMappingURL=payout-progress-state.js.map

package/dist/react/workflows/payout-progress-state.js.map

@@ -0,0 +1 @@
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package/docs/react-workflows-audit.md

@@ -16,7 +16,7 @@ uses render props or companion hooks to apply shadcn styling.
 | Customer invoices                         | `Invoices`                                                                                                                                             |
 | Customer payment methods                  | `usePaymentMethodsManager`, `PaymentMethods`, `PaymentMethodsList`, `AddCardForm`, Stripe providers                                                    |
 | Seller overview                           | `PayoutOverview`, `AccountCreateCard`, `ConnectStatusBadge`                                                                                            |
-| Seller and affiliate payouts              | `Payouts`, `PayoutHistory`, live balances, upcoming date, history and pagination                                                                       |
+| Seller and affiliate payouts              | `Payouts`, `PayoutHistory`, `PayoutProgress`, `PayoutSettings`, live balances, upcoming date, history and pagination                                   |
 | Seller earnings                           | `EarningsSummary`, `PayoutSchedule`, `PayoutHistory`, `earningsFromBalance`, `useWorkflowResource`                                                     |
 | Seller sales                              | `Sales`                                                                                                                                                |
 | Seller subscriptions                      | `Subscriptions`, `SubscriptionCard`                                                                                                                    |

package/docs/react-workflows.md

@@ -640,6 +640,87 @@ Consumer applications still need to verify their own authenticated adapters and
 See [sandbox setup findings](accounts-v2-preview.md#connect-sandbox-setup-findings-2026-10-15)
 for the account eligibility requirement.
 
+## Combined automatic payout progress
+
+`PayoutProgress` is an unstyled, read-only view of a custom recipient's combined
+eligibility assessment. Load the policy and
+[preview](settlement.md#payout-eligibility-preview) through an authorized server
+adapter. Derive independent liabilities on the server. Read the worker's next
+attempt separately from the provider's actual bank arrival dates.
+
+```tsx
+import { PayoutProgress } from "@fantastic.dev/better-stripe/react";
+
+<PayoutProgress
+  policy={policy}
+  preview={preview}
+  currency="usd"
+  nextAttemptAt={job?.nextAttemptAt}
+  locale="en-US"
+  timeZone="UTC"
+/>;
+```
+
+The default markup uses a single accessible progress indicator, financial
+metrics, source contributions and assessment/attempt/deadline dates. Store and
+affiliate contributions share one minimum. Pending credits are separate, shared
+costs reduce the combined entitlement once, and negative entitlement remains
+visible even though the visual progress indicator stops at zero. A qualified
+assessment is informational; the automatic worker verifies it again before a
+payout. The component has no withdrawal action.
+
+`policy={undefined}` means loading. A null policy or `stripe_managed` mode shows
+Stripe-managed defaults without inventing a numeric provider floor. Changing
+policies suppress prior financial progress. For a ready custom policy, an
+undefined preview means loading; a null or minimal held preview shows an
+unavailable assessment rather than fabricated zero balances. A mismatched
+currency or configured minimum rejects the display.
+
+Use the `children` render prop for translated labels and application cards. It
+receives `status`, `reason`, `metrics`, `sources`, `progress`, `observedAt`,
+`nextAttemptAt` and `holdDeadline`. Metrics include stable keys and raw minor-unit
+amounts as well as formatted values. Render props use the same state calculation
+as the native markup; replace the English message with your own translated copy
+selected by `status` and `reason`.
+
+Scope and refresh the host data when the recipient or settlement currency
+changes. Keep currencies separate. This display does not configure policies,
+install a scheduler or bypass the release API's capability/history limits.
+
+## Payout settings
+
+`PayoutSettings` and `usePayoutSettings` own minimum entry, explicit custom-hold
+consent, loading/error states and callback locking. They never create a payout.
+`onSave` receives `{ currency, mode, expectedRevision, minimum?, consent }`.
+The minimum uses ordinary Stripe currency units. No provider floor is guessed.
+The host must derive the authenticated account/owner, preserve the policy's
+other currency minimums, and call `payoutPolicy.prepare` and `apply` with a
+stable immutable operation identity. Return `{ status, reason? }`; supported
+statuses are `ready`, `unsupported`, `migration_required`, `schedule_drift` and
+`canceled`.
+
+When a provider outcome is unknown, refresh the policy instead of inventing
+success or creating a new operation. `onRetry` resumes the server's stored
+pending operation; the installed recurring job also resumes it. The editor
+locks changes while `policy.status` is `changing`. Render props expose the same
+state for translated forms and design-system controls.
+
+The example's `recipientPayoutPolicy` actions bind the demo user to its account
+server-side and derive uncollected seller costs through the same query as the
+worker. They preserve other currencies, replay stored changes without rolling
+back newer settings, and restore the original schedule on opt-out. The public
+`payoutPreviewValidator` lets the host validate the package assessment without
+copying its return schema. Production apps must replace demo persona selection
+with authenticated ownership; the demo is not evidence of production auth.
+
+Custom schedules affect the entire recipient account. Configure each settlement
+currency. Choosing Stripe-managed mode restores the original schedule for all
+currencies and removes application minimums. Funded accounts needing historical
+adoption show `migration_required`; this form does not guess their source
+allocations or automatically adopt unallocated money. Install worker recovery
+and deadline-expiry jobs before exposing activation, and use the reset guard
+described in the [settlement guide](settlement.md#development-reset-safeguards).
+
 ## Component history and currency summaries
 
 See the [read contract guide](read-contracts.md) for reactive product, price and payout

package/docs/settlement.md

@@ -607,6 +607,63 @@ These are server worker APIs, not manual withdrawal actions for a customer UI.
 for an authorized host to display. Bank availability, pending funds and bank
 arrival dates come from the recipient payout snapshot API.
 
+## Payout eligibility preview
+
+An authorized server action can assess a custom policy before displaying its
+progress. It uses the same provider receipt qualification and local allocation
+plan as release:
+
+```ts
+const preview = await stripe.payoutPolicy.preview(ctx, {
+  accountId,
+  ownerKey,
+  currency,
+  independentLiabilities,
+});
+const job = await stripe.payoutPolicy.worker.get(ctx, {
+  accountId,
+  ownerKey,
+  currency,
+});
+```
+
+Authorize the owner/account mapping and derive independent liabilities on the
+server, exactly as for the automatic worker. The preview reads Stripe and can
+reconcile existing payout receipts in the component. It never creates a bank
+payout, reserves funds, or invokes the worker. The caller needs an action context
+that permits component queries and reconciliation mutations.
+
+A detailed result includes `currency`, `threshold`, `matureUnpaid`,
+`pendingCredits`, `confirmedFees`, `independentLiabilities`, `providerAvailable`,
+`amount`, `observedAt` and `sources`. Each source category reports its signed
+mature unpaid entitlement and pending credits. Category amounts are before shared
+fees and independent liabilities. Those deductions reduce the combined
+`matureUnpaid` once. Negative entitlement after a refund survives the calculation;
+pending credits never qualify. `amount` is the amount currently qualified for the
+supported bank payout rail, or zero when held. `providerMinimum: null` means the
+numeric Stripe floor is unknown, not zero.
+
+Below-threshold funds remain owed. `insufficient_available` distinguishes enough
+qualifying earnings from insufficient provider funds on the supported rail. Some
+holds return only `{ status: "held", reason, amount: 0 }`, including incomplete
+history, unverified controls and unresolved affiliate recovery. Such a result
+does **not** establish a zero balance or zero debt. Render an unavailable
+assessment with its reason, rather than inventing amounts. Ledger changes during
+the final query reject the assessment and require a refresh.
+
+The preview verifies policy controls again after reading provider data. Source
+and balance observations older than 30 seconds do not qualify. Display
+`observedAt` as an assessment time; release independently repeats qualification
+and reserves funds atomically. A qualified preview is neither a promised payout
+nor authorization to call Stripe. `job.nextAttemptAt` is the next application
+attempt. Bank arrival dates remain separate provider data from
+`getPayoutSnapshot`.
+
+Stripe-managed recipients keep Stripe's default automatic schedule. This preview
+requires a ready custom policy and preserves the current source/history limits,
+region restrictions and supported payout rail. It does not remove the need for
+provider-history continuation on larger accounts.
+
 ## Resumable local collections
 
 An authorized host worker can collect the local recipient ledger in bounded