@flopay/react 1.4.0 → 1.4.2

package/dist/index.cjs

@@ -31,17 +31,12 @@ var __toCommonJS = (mod) => __copyProps(__defProp({}, "__esModule", { value: tru
 var index_exports = {};
 __export(index_exports, {
   AddressElement: () => AddressElement,
-  CardCvcElement: () => CardCvcElement,
-  CardElement: () => CardElement,
-  CardExpiryElement: () => CardExpiryElement,
-  CardNumberElement: () => CardNumberElement,
-  CheckoutForm: () => CheckoutForm,
   DirectPayPalButton: () => DirectPayPalButton,
   FloPayAutomaticPaymentButton: () => FloPayAutomaticPaymentButton,
   FloPayCheckout: () => FloPayCheckout,
   FloPayProvider: () => FloPayProvider,
   PayPalButton: () => PayPalButton,
-  PaymentElement: () => PaymentElement,
+  PaymentElement: () => PaymentElement2,
   SplitCardForm: () => SplitCardForm,
   VaultCardFields: () => VaultCardFields,
   useCheckout: () => useCheckout,
@@ -51,6 +46,10 @@ __export(index_exports, {
 });
 module.exports = __toCommonJS(index_exports);
 
+// ../../node_modules/.pnpm/tsup@8.5.1_jiti@2.7.0_postcss@8.5.18_typescript@6.0.3_yaml@2.9.0/node_modules/tsup/assets/cjs_shims.js
+var getImportMetaUrl = () => typeof document === "undefined" ? new URL(`file:${__filename}`).href : document.currentScript && document.currentScript.tagName.toUpperCase() === "SCRIPT" ? document.currentScript.src : new URL("main.js", document.baseURI).href;
+var importMetaUrl = /* @__PURE__ */ getImportMetaUrl();
+
 // src/provider.tsx
 var import_react2 = require("react");
 var import_shared = require("@flopay/shared");
@@ -317,77 +316,14 @@ function TitleContentSlot({
   return /* @__PURE__ */ (0, import_jsx_runtime2.jsx)(import_jsx_runtime2.Fragment, { children: content === void 0 ? /* @__PURE__ */ (0, import_jsx_runtime2.jsx)(DefaultTitleContent, {}) : content });
 }
 
-// src/elements.tsx
-var import_react4 = require("react");
-var import_jsx_runtime3 = require("react/jsx-runtime");
-function createElementComponent(elementType, displayName) {
-  function ElementComponent({
-    className,
-    id,
-    style,
-    options,
-    onChange,
-    onReady,
-    onFocus,
-    onBlur,
-    onEscape
-  }) {
-    const containerRef = (0, import_react4.useRef)(null);
-    const elementRef = (0, import_react4.useRef)(null);
-    const { elements, reportInteractive } = (0, import_react4.useContext)(FloPayContext);
-    (0, import_react4.useEffect)(() => {
-      if (!elements || !containerRef.current) return;
-      let mounted = true;
-      (async () => {
-        let element = elements.getElement(elementType);
-        if (!element) {
-          element = await elements.create(elementType, options);
-        }
-        if (!mounted || !containerRef.current) {
-          return;
-        }
-        element.mount(containerRef.current);
-        elementRef.current = element;
-        if (onChange) element.on("change", onChange);
-        element.on("ready", () => {
-          reportInteractive?.();
-          onReady?.();
-        });
-        if (onFocus) element.on("focus", onFocus);
-        if (onBlur) element.on("blur", onBlur);
-        if (onEscape) element.on("escape", onEscape);
-      })();
-      return () => {
-        mounted = false;
-        if (elementRef.current) {
-          try {
-            elementRef.current.unmount();
-          } catch {
-          }
-          elementRef.current = null;
-        }
-      };
-    }, [elements, reportInteractive]);
-    return /* @__PURE__ */ (0, import_jsx_runtime3.jsx)("div", { ref: containerRef, className, id, style });
-  }
-  ElementComponent.displayName = displayName;
-  return ElementComponent;
-}
-var PaymentElement = createElementComponent("payment", "PaymentElement");
-var CardElement = createElementComponent("card", "CardElement");
-var CardNumberElement = createElementComponent("cardNumber", "CardNumberElement");
-var CardExpiryElement = createElementComponent("cardExpiry", "CardExpiryElement");
-var CardCvcElement = createElementComponent("cardCvc", "CardCvcElement");
-var AddressElement = createElementComponent("address", "AddressElement");
-
 // src/split-card-form.tsx
 var import_react_stripe_js = require("@stripe/react-stripe-js");
 var import_shared5 = require("@flopay/shared");
 var import_js2 = require("@flopay/js");
 
 // src/vault-card-fields.tsx
-var import_react5 = require("react");
-var import_jsx_runtime4 = require("react/jsx-runtime");
+var import_react4 = require("react");
+var import_jsx_runtime3 = require("react/jsx-runtime");
 function VaultCardFields({
   capture,
   html,
@@ -399,16 +335,16 @@ function VaultCardFields({
   onError,
   onValidation
 }) {
-  const containerRef = (0, import_react5.useRef)(null);
-  const onReadyRef = (0, import_react5.useRef)(onReady);
-  const onErrorRef = (0, import_react5.useRef)(onError);
-  const onValidationRef = (0, import_react5.useRef)(onValidation);
+  const containerRef = (0, import_react4.useRef)(null);
+  const onReadyRef = (0, import_react4.useRef)(onReady);
+  const onErrorRef = (0, import_react4.useRef)(onError);
+  const onValidationRef = (0, import_react4.useRef)(onValidation);
   onReadyRef.current = onReady;
   onErrorRef.current = onError;
   onValidationRef.current = onValidation;
-  const themeRef = (0, import_react5.useRef)(theme);
+  const themeRef = (0, import_react4.useRef)(theme);
   themeRef.current = theme;
-  (0, import_react5.useEffect)(() => {
+  (0, import_react4.useEffect)(() => {
     const el = containerRef.current;
     if (!el) return;
     let active = true;
@@ -450,12 +386,69 @@ function VaultCardFields({
       capture.unmount();
     };
   }, [capture, html, messageToken, expectedOrigin]);
-  (0, import_react5.useEffect)(() => {
+  (0, import_react4.useEffect)(() => {
     if (theme) capture.applyTheme?.(theme);
   }, [capture, theme]);
-  return /* @__PURE__ */ (0, import_jsx_runtime4.jsx)("div", { ref: containerRef, "data-testid": "flopay-vault-card-fields", style: containerStyle });
+  return /* @__PURE__ */ (0, import_jsx_runtime3.jsx)("div", { ref: containerRef, "data-testid": "flopay-vault-card-fields", style: containerStyle });
 }
 
+// src/error-banner.tsx
+var import_react5 = require("react");
+var import_jsx_runtime4 = require("react/jsx-runtime");
+function ErrorBanner({
+  children,
+  margin,
+  icon = true,
+  styleOverride
+}) {
+  return /* @__PURE__ */ (0, import_jsx_runtime4.jsxs)(
+    "div",
+    {
+      role: "alert",
+      "data-testid": "flopay-error",
+      style: {
+        margin,
+        padding: "0.625rem 0.875rem",
+        background: "#FEF2F2",
+        border: "1px solid #FECACA",
+        borderRadius: "8px",
+        color: "#991B1B",
+        fontSize: "0.85rem",
+        fontWeight: 600,
+        ...icon ? { display: "flex", alignItems: "center", gap: "0.5rem" } : {},
+        ...styleOverride ?? {}
+      },
+      children: [
+        icon && /* @__PURE__ */ (0, import_jsx_runtime4.jsx)("svg", { width: "16", height: "16", viewBox: "0 0 24 24", fill: "none", style: { flexShrink: 0 }, children: /* @__PURE__ */ (0, import_jsx_runtime4.jsx)(
+          "path",
+          {
+            d: "M12 9v4m0 4h.01M21 12a9 9 0 11-18 0 9 9 0 0118 0z",
+            stroke: "#DC2626",
+            strokeWidth: "2",
+            strokeLinecap: "round",
+            strokeLinejoin: "round"
+          }
+        ) }),
+        children
+      ]
+    }
+  );
+}
+
+// src/payment-logos.generated.ts
+var PAYMENT_METHOD_LOGO_URLS = {
+  "alipay": new URL("./payment-logos/alipay.svg", importMetaUrl).href,
+  "bancontact": new URL("./payment-logos/bancontact.svg", importMetaUrl).href,
+  "blik": new URL("./payment-logos/blik.svg", importMetaUrl).href,
+  "eps": new URL("./payment-logos/eps.svg", importMetaUrl).href,
+  "giropay": new URL("./payment-logos/giropay.svg", importMetaUrl).href,
+  "ideal": new URL("./payment-logos/ideal.svg", importMetaUrl).href,
+  "klarna": new URL("./payment-logos/klarna.svg", importMetaUrl).href,
+  "p24": new URL("./payment-logos/p24.svg", importMetaUrl).href,
+  "sepa_debit": new URL("./payment-logos/sepa_debit.svg", importMetaUrl).href,
+  "wechat_pay": new URL("./payment-logos/wechat_pay.svg", importMetaUrl).href
+};
+
 // src/split-card-form.tsx
 var import_react9 = __toESM(require("react"), 1);
 
@@ -745,13 +738,6 @@ function buildDeclineEvent(method, input, overrides) {
     ...declineCode ? { declineCode } : {}
   };
 }
-function isRecord(value) {
-  return typeof value === "object" && value !== null;
-}
-function readString(payload, key) {
-  const value = payload?.[key];
-  return typeof value === "string" && value.trim() ? value : void 0;
-}
 var FRIENDLY_MESSAGE_OVERRIDES = [
   {
     match: /^paypal authorization required\.?$/i,
@@ -767,20 +753,8 @@ function applyFriendlyMessageOverride(message) {
   }
   return message;
 }
-function buildFloPayApiError(payload, fallbackMessage) {
-  const nestedError = isRecord(payload?.error) ? payload.error : null;
-  const rawMessage = readString(payload, "message") ?? readString(nestedError, "message") ?? fallbackMessage;
-  const message = applyFriendlyMessageOverride(rawMessage) ?? rawMessage;
-  const code = readString(payload, "code") ?? readString(payload, "gatewayErrorCode") ?? readString(nestedError, "code");
-  const declineCode = readString(payload, "declineCode") ?? readString(payload, "gatewayDeclineReason") ?? readString(payload, "decline_code") ?? readString(nestedError, "decline_code");
-  return new import_shared3.FloPayError(message, "api_error", {
-    ...code ? { code } : {},
-    ...declineCode ? { declineCode } : {}
-  });
-}
-async function buildFloPayApiErrorFromResponse(response, fallbackMessage) {
-  const payload = await response.json().catch(() => null);
-  return buildFloPayApiError(payload, fallbackMessage);
+function isSuccessfulPaymentIntentStatus(status) {
+  return status === "succeeded" || status === "requires_capture" || status === "processing";
 }
 function mapPayPalIntentStatusToPaymentResult(status) {
   if (status === "succeeded") {
@@ -791,41 +765,6 @@ function mapPayPalIntentStatusToPaymentResult(status) {
   }
   return "failed";
 }
-function resolvePaymentIntentPaymentMethodId(paymentIntent) {
-  const paymentMethod = paymentIntent?.payment_method;
-  if (typeof paymentMethod === "string" && paymentMethod.startsWith("pm_")) {
-    return paymentMethod;
-  }
-  if (paymentMethod && typeof paymentMethod === "object" && typeof paymentMethod.id === "string") {
-    return paymentMethod.id;
-  }
-  return void 0;
-}
-async function retrievePaymentIntentFromProvider(provider, clientSecret) {
-  const retriever = provider;
-  if ((0, import_shared3.isSetupIntentClientSecret)(clientSecret)) {
-    if (!retriever?.retrieveSetupIntent) {
-      return null;
-    }
-    const { setupIntent, error: error2 } = await retriever.retrieveSetupIntent(clientSecret);
-    if (error2) {
-      throw new import_shared3.FloPayError(error2.message ?? "Failed to retrieve setup intent.", "api_error", {
-        ...error2.code ? { code: error2.code } : {}
-      });
-    }
-    return setupIntent ?? null;
-  }
-  if (!retriever?.retrievePaymentIntent) {
-    return null;
-  }
-  const { paymentIntent, error } = await retriever.retrievePaymentIntent(clientSecret);
-  if (error) {
-    throw new import_shared3.FloPayError(error.message ?? "Failed to retrieve payment intent.", "api_error", {
-      ...error.code ? { code: error.code } : {}
-    });
-  }
-  return paymentIntent ?? null;
-}
 function resolveWalletElementsMode(amountInMinorUnits) {
   if (typeof amountInMinorUnits !== "number" || !Number.isFinite(amountInMinorUnits) || amountInMinorUnits <= 0) {
     return { mode: "setup" };
@@ -951,6 +890,12 @@ function isPopupBlockedError(err) {
 // src/direct-paypal-button.tsx
 var import_jsx_runtime6 = require("react/jsx-runtime");
 var DEFAULT_BUTTON_HEIGHT = 45;
+var PAYPAL_INIT_RETRY_DELAY_MS = 1e3;
+var PAYPAL_RENDER_WATCHDOG_MS = 11e3;
+var PAYPAL_INIT_ACKNOWLEDGEMENT_HOSTS = [
+  "https://www.paypal.com",
+  "https://www.sandbox.paypal.com"
+];
 var DIRECT_PAYPAL_RECOVERY_MESSAGE = "We couldn't open PayPal. Try again or choose another payment method.";
 var DIRECT_PAYPAL_RECOVERY_ACTION_STYLE = {
   width: "100%",
@@ -965,6 +910,9 @@ var DIRECT_PAYPAL_RECOVERY_ACTION_STYLE = {
   fontWeight: 700,
   cursor: "pointer"
 };
+function isPayPalInitAcknowledgementTimeout(message) {
+  return message.includes("No ack for postMessage init()") && PAYPAL_INIT_ACKNOWLEDGEMENT_HOSTS.some((host) => message.includes(host)) && message.includes("10000ms");
+}
 function buildDirectPayPalRecoveryMessage(popupBlocked) {
   return popupBlocked ? `${DIRECT_PAYPAL_RECOVERY_MESSAGE} Allow pop-ups for this site, then try again.` : DIRECT_PAYPAL_RECOVERY_MESSAGE;
 }
@@ -984,6 +932,8 @@ function DirectPayPalButtonImplementation({
   onTechnicalFailure,
   isProcessing = false,
   onLoadStateChange,
+  onInitializationStateChange,
+  allowAutomaticRetry = true,
   onButtonClick,
   runBeforeButtonClick,
   session,
@@ -1042,12 +992,29 @@ function DirectPayPalButtonImplementation({
   const focusTargetRef = (0, import_react8.useRef)(null);
   const pendingProviderFocusRef = (0, import_react8.useRef)(false);
   const [ready, setReady] = (0, import_react8.useState)(false);
+  const [recovering, setRecovering] = (0, import_react8.useState)(false);
   const [renderGeneration, setRenderGeneration] = (0, import_react8.useState)(0);
   const activeRenderGenerationRef = (0, import_react8.useRef)(0);
   const [showRetryFocusTarget, setShowRetryFocusTarget] = (0, import_react8.useState)(false);
+  const automaticRetryUsedRef = (0, import_react8.useRef)(false);
+  const initializationFailureLoggedRef = (0, import_react8.useRef)(false);
   const [failed, setFailed] = (0, import_react8.useState)(false);
   const [submitting, setSubmitting] = (0, import_react8.useState)(false);
   const baseUrl = (0, import_react8.useMemo)(() => billingApiUrl.replace(/\/+$/, ""), [billingApiUrl]);
+  const initializationConfigKey = (0, import_react8.useMemo)(
+    () => JSON.stringify([
+      baseUrl,
+      clientId,
+      currency,
+      environment ?? "",
+      isSubscription,
+      sessionId,
+      existingOrderId ?? ""
+    ]),
+    [baseUrl, clientId, currency, environment, existingOrderId, isSubscription, sessionId]
+  );
+  const initializationConfigKeyRef = (0, import_react8.useRef)(initializationConfigKey);
+  const initializationConfigChanged = initializationConfigKeyRef.current !== initializationConfigKey;
   const [debugLines, setDebugLines] = (0, import_react8.useState)([]);
   const appendDebug = (line) => {
     if (!debug) return;
@@ -1060,6 +1027,7 @@ function DirectPayPalButtonImplementation({
   const onTechnicalFailureRef = (0, import_react8.useRef)(onTechnicalFailure);
   const onButtonClickRef = (0, import_react8.useRef)(onButtonClick);
   const onLoadStateChangeRef = (0, import_react8.useRef)(onLoadStateChange);
+  const onInitializationStateChangeRef = (0, import_react8.useRef)(onInitializationStateChange);
   const runBeforeButtonClickRef = (0, import_react8.useRef)(runBeforeButtonClick);
   const sessionRef = (0, import_react8.useRef)(session);
   const emailRef = (0, import_react8.useRef)(email);
@@ -1070,6 +1038,13 @@ function DirectPayPalButtonImplementation({
   const invalidatedAttemptGenerationRef = (0, import_react8.useRef)(null);
   const attemptContextBySurfaceRef = (0, import_react8.useRef)(/* @__PURE__ */ new Map());
   const approvalContextByTokenRef = (0, import_react8.useRef)(/* @__PURE__ */ new Map());
+  const componentMountedRef = (0, import_react8.useRef)(false);
+  (0, import_react8.useEffect)(() => {
+    componentMountedRef.current = true;
+    return () => {
+      componentMountedRef.current = false;
+    };
+  }, []);
   (0, import_react8.useEffect)(() => {
     onTokenizedBodyRef.current = onTokenizedBody;
   }, [onTokenizedBody]);
@@ -1091,6 +1066,9 @@ function DirectPayPalButtonImplementation({
   (0, import_react8.useEffect)(() => {
     onLoadStateChangeRef.current = onLoadStateChange;
   }, [onLoadStateChange]);
+  (0, import_react8.useEffect)(() => {
+    onInitializationStateChangeRef.current = onInitializationStateChange;
+  }, [onInitializationStateChange]);
   (0, import_react8.useEffect)(() => {
     runBeforeButtonClickRef.current = runBeforeButtonClick;
   }, [runBeforeButtonClick]);
@@ -1226,6 +1204,16 @@ function DirectPayPalButtonImplementation({
       clearAttemptTimer();
     };
   }, []);
+  (0, import_react8.useEffect)(() => {
+    if (initializationConfigKeyRef.current === initializationConfigKey) return;
+    initializationConfigKeyRef.current = initializationConfigKey;
+    automaticRetryUsedRef.current = false;
+    initializationFailureLoggedRef.current = false;
+    setReady(false);
+    setRecovering(false);
+    setFailed(false);
+    onInitializationStateChangeRef.current?.("loading");
+  }, [initializationConfigKey]);
   (0, import_react8.useEffect)(() => {
     invokeMerchantCallback(() => onLoadStateChangeRef.current?.(ready && !failed));
   }, [ready, failed]);
@@ -1260,7 +1248,29 @@ function DirectPayPalButtonImplementation({
       paymentMethodCategory: "paypal"
     });
     let cancelled = false;
-    let activeButtons = null;
+    let superseded = false;
+    const isInactive = () => cancelled || superseded;
+    let paypalIntentIdempotencyKey;
+    let paypalIntentAttemptActive = false;
+    const beginPaypalIntentAttempt = () => {
+      paypalIntentIdempotencyKey = (0, import_shared4.generateIdempotencyKey)();
+      if (!paypalIntentIdempotencyKey) {
+        console.warn(
+          "[FloPay] DirectPayPal: secure idempotency key unavailable; retries may not be deduplicated."
+        );
+      }
+      paypalIntentAttemptActive = true;
+    };
+    let retryTimer = null;
+    let preRenderFailureHandled = false;
+    let ownedButtons = null;
+    let ownedButtonsClosed = false;
+    const closeOwnedButtons = () => {
+      if (!ownedButtons || ownedButtonsClosed) return;
+      ownedButtonsClosed = true;
+      ownedButtons.close().catch(() => {
+      });
+    };
     let overlayStartedAt = null;
     const finishOverlay = () => {
       if (overlayStartedAt === null) return;
@@ -1330,6 +1340,7 @@ function DirectPayPalButtonImplementation({
     };
     const errorMessages = [];
     const onWindowError = (ev) => {
+      if (isInactive()) return;
       const msg = ev.message ?? String(ev.error ?? "(no message)");
       if (msg && (msg.toLowerCase().includes("paypal") || msg.toLowerCase().includes("zoid") || msg.toLowerCase().includes("postrobot") || msg.toLowerCase().includes("storage"))) {
         appendDebug(`window:error ${msg.slice(0, 140)}`);
@@ -1337,6 +1348,7 @@ function DirectPayPalButtonImplementation({
       }
     };
     const onUnhandledRejection = (ev) => {
+      if (isInactive()) return;
       const reason = ev.reason instanceof Error ? ev.reason.message : String(ev.reason ?? "(no reason)");
       if (reason && (reason.toLowerCase().includes("paypal") || reason.toLowerCase().includes("zoid") || reason.toLowerCase().includes("postrobot") || reason.toLowerCase().includes("storage"))) {
         appendDebug(`window:rejection ${reason.slice(0, 140)}`);
@@ -1351,6 +1363,7 @@ function DirectPayPalButtonImplementation({
     if (debug && typeof PerformanceObserver !== "undefined") {
       try {
         perfObserver = new PerformanceObserver((list) => {
+          if (isInactive()) return;
           for (const entry of list.getEntries()) {
             if (!entry.name.toLowerCase().includes("paypal")) continue;
             paypalRequestCount.value += 1;
@@ -1379,17 +1392,13 @@ function DirectPayPalButtonImplementation({
       return lower.includes("zoid destroyed") || lower.includes("destroyed all components") || lower.includes("window closed") || lower.includes("detected container element removed");
     };
     const forwardError = (message) => {
-      if (cancelled) return;
+      if (isInactive()) return;
       if (isZoidLifecycleMessage(message)) return;
       const friendly = applyFriendlyMessageOverride(message) ?? message;
       invokeMerchantCallback(() => onErrorChangeRef.current?.(friendly));
     };
     const markRenderFailed = (message) => {
       if (cancelled) return;
-      if (isZoidLifecycleMessage(message)) {
-        appendDebug(`markRenderFailed:skip-zoid msg=${message.slice(0, 80)}`);
-        return;
-      }
       setFailed(true);
       if (!message.includes("paypal_ineligible")) {
         telemetrySource.error({
@@ -1402,8 +1411,48 @@ function DirectPayPalButtonImplementation({
       }
       console.error("[FloPay] DirectPayPal load/render failure:", message);
     };
+    const handlePreRenderFailure = (message, retryable = false) => {
+      if (cancelled) return;
+      const isRecoveryAttempt = automaticRetryUsedRef.current || !allowAutomaticRetry;
+      if (preRenderFailureHandled) return;
+      preRenderFailureHandled = true;
+      superseded = true;
+      stopDiagnostics();
+      closeOwnedButtons();
+      const isRetryableInitializationFailure = retryable || isPayPalInitAcknowledgementTimeout(message);
+      if (isRetryableInitializationFailure && allowAutomaticRetry && !automaticRetryUsedRef.current) {
+        automaticRetryUsedRef.current = true;
+        setReady(false);
+        setSubmitting(false);
+        setRecovering(true);
+        onInitializationStateChangeRef.current?.("retrying");
+        retryTimer = setTimeout(() => {
+          if (cancelled) return;
+          setRenderGeneration((generation) => generation + 1);
+        }, PAYPAL_INIT_RETRY_DELAY_MS);
+        return;
+      }
+      if (isRetryableInitializationFailure || isRecoveryAttempt) {
+        setReady(false);
+        setSubmitting(false);
+        setRecovering(false);
+        setFailed(true);
+        onInitializationStateChangeRef.current?.("exhausted");
+        if (!initializationFailureLoggedRef.current) {
+          initializationFailureLoggedRef.current = true;
+          const failureCode = isPayPalInitAcknowledgementTimeout(message) ? "paypal_init_timeout" : retryable ? "paypal_render_timeout" : "paypal_init_failure";
+          console.error(
+            "[FloPay] Direct PayPal initialization failed:",
+            failureCode
+          );
+        }
+        return;
+      }
+      markRenderFailed(message);
+    };
     setFailed(false);
     const dispatchTokenizedBody = async (body, prepared = beforeClickRef.current) => {
+      if (isInactive()) return;
       const effectiveSessionId = prepared?.sessionId ?? sessionId;
       if (onTokenizedBodyRef.current) {
         await onTokenizedBodyRef.current(body, {
@@ -1457,41 +1506,45 @@ function DirectPayPalButtonImplementation({
           }
         );
         if (response.ok) {
+          if (superseded || cancelled && componentMountedRef.current) return;
           finishProcessing();
           telemetrySource.terminal({
             outcome: "payment_succeeded",
             provider: "paypal",
             paymentMethodCategory: "paypal"
           });
-        } else {
-          const json = await response.json().catch(() => null);
-          const rawMessage = json?.["message"] ?? "PayPal payment failed.";
-          const message = applyFriendlyMessageOverride(rawMessage) ?? rawMessage;
-          finishProcessing();
-          if (typeof json?.["declineCode"] === "string") {
-            telemetrySource.terminal({
-              outcome: "payment_declined",
-              provider: "paypal",
-              paymentMethodCategory: "paypal"
-            });
-          } else {
-            telemetrySource.error({
-              errorCode: "PAYMENT_PROCESSING_FAILED",
-              stage: "processing",
-              provider: "paypal",
-              paymentMethodCategory: "paypal",
-              requestCategory: "process_payment",
-              statusClass: response.status >= 500 ? "5xx" : response.status >= 400 ? "4xx" : response.status >= 300 ? "3xx" : "unknown"
-            });
-          }
-          forwardError(message);
-          invokeMerchantCallback(() => onDeclineRef.current?.(buildDeclineEvent("paypal", message, {
-            code: json?.["code"],
-            declineCode: json?.["declineCode"]
-          })));
+          invokeMerchantCallback(() => onCompleteRef.current?.({ status: "succeeded", checkoutMethod: "paypal" }));
           return;
         }
+        if (isInactive()) return;
+        const json = await response.json().catch(() => null);
+        const rawMessage = json?.["message"] ?? "PayPal payment failed.";
+        const message = applyFriendlyMessageOverride(rawMessage) ?? rawMessage;
+        finishProcessing();
+        if (typeof json?.["declineCode"] === "string") {
+          telemetrySource.terminal({
+            outcome: "payment_declined",
+            provider: "paypal",
+            paymentMethodCategory: "paypal"
+          });
+        } else {
+          telemetrySource.error({
+            errorCode: "PAYMENT_PROCESSING_FAILED",
+            stage: "processing",
+            provider: "paypal",
+            paymentMethodCategory: "paypal",
+            requestCategory: "process_payment",
+            statusClass: response.status >= 500 ? "5xx" : response.status >= 400 ? "4xx" : response.status >= 300 ? "3xx" : "unknown"
+          });
+        }
+        forwardError(message);
+        invokeMerchantCallback(() => onDeclineRef.current?.(buildDeclineEvent("paypal", message, {
+          code: json?.["code"],
+          declineCode: json?.["declineCode"]
+        })));
+        return;
       } catch (err) {
+        if (isInactive()) return;
         finishProcessing();
         telemetrySource.error({
           errorCode: "NETWORK_REQUEST_FAILED",
@@ -1507,15 +1560,21 @@ function DirectPayPalButtonImplementation({
         invokeMerchantCallback(() => onDeclineRef.current?.(buildDeclineEvent("paypal", message)));
         return;
       }
-      invokeMerchantCallback(() => onCompleteRef.current?.({ status: "succeeded", checkoutMethod: "paypal" }));
     };
+    const supersededRenderError = () => new import_shared4.FloPayError(
+      "PayPal render was superseded.",
+      "api_error",
+      { code: "paypal_render_superseded" }
+    );
+    const resolveExistingOrder = (orderId) => isInactive() ? Promise.reject(supersededRenderError()) : Promise.resolve(orderId);
     const createPaypalIntent = async (fallbackMessage) => {
+      if (isInactive()) {
+        throw supersededRenderError();
+      }
+      if (!paypalIntentAttemptActive) beginPaypalIntentAttempt();
       const prepared = beforeClickRef.current;
       const effectiveSessionId = prepared?.sessionId ?? sessionId;
-      const effectiveEmail = prepared?.accountPatch?.email ?? emailRef.current;
-      const intentHeaders = { "Content-Type": "application/json" };
       const currentNonce = prepared?.nonce ?? nonceRef.current;
-      if (currentNonce) intentHeaders["x-checkout-session-token"] = currentNonce;
       telemetrySource.log({
         name: "payment.intent.started",
         stage: "processing",
@@ -1523,22 +1582,22 @@ function DirectPayPalButtonImplementation({
         paymentMethodCategory: "paypal",
         requestCategory: "intent_create"
       });
-      const response = await fetch(`${baseUrl}/v1/checkouts/payments/intents`, {
-        method: "POST",
-        headers: intentHeaders,
-        body: JSON.stringify({
-          sessionId: effectiveSessionId,
-          email: effectiveEmail,
+      const intent = await new import_js.PaymentAPI(baseUrl, { telemetry: false }).createSessionIntent(
+        effectiveSessionId,
+        currentNonce ?? "",
+        {
+          provider: "paypal",
+          paymentMethodCategory: "wallet",
           paymentMethodType: "paypal",
-          isPaypal: "true"
-        })
-      });
-      const json = await response.json().catch(() => null);
-      if (!response.ok) {
-        throw new Error(json?.message ?? fallbackMessage);
+          paymentMethodId: null,
+          intentKind: isSubscription ? "subscription" : "order"
+        },
+        { idempotencyKey: paypalIntentIdempotencyKey }
+      );
+      if (isInactive()) {
+        throw supersededRenderError();
       }
-      const id = json?.data?.id;
-      if (!id) {
+      if (intent.provider !== "paypal") {
         throw new Error(fallbackMessage);
       }
       telemetrySource.log({
@@ -1549,7 +1608,24 @@ function DirectPayPalButtonImplementation({
         requestCategory: "intent_create",
         statusClass: "2xx"
       });
-      return id;
+      return intent.providerObjectId;
+    };
+    const reportPayPalDecline = (error, context) => {
+      const currentNonce = context?.nonce ?? nonceRef.current;
+      if (!currentNonce) return;
+      const effectiveSessionId = context?.sessionId ?? sessionId;
+      const providerDeclineReason = getProviderDeclineCode(error) ?? getProviderErrorCode(error) ?? "provider_declined";
+      void new import_js.PaymentAPI(baseUrl, { telemetry: false }).reportSessionIntentDecline(
+        effectiveSessionId,
+        currentNonce,
+        {
+          provider: "paypal",
+          paymentMethodCategory: "wallet",
+          paymentMethodType: "paypal",
+          providerDeclineReason
+        }
+      ).catch(() => {
+      });
     };
     const effectRenderGeneration = renderGeneration;
     appendDebug("loadScript:scheduled (deferred 1 tick)");
@@ -1578,9 +1654,11 @@ function DirectPayPalButtonImplementation({
         ...paypalSdkEnv === "sandbox" ? { dataNamespace: "paypal_sandbox" } : {}
       });
       loadPromise.then((paypal) => {
-        appendDebug(`loadScript:resolved cancelled=${cancelled} ns=${!!paypal} buttons=${!!paypal?.Buttons}`);
-        if (cancelled || !paypal?.Buttons) {
-          if (!cancelled && !paypal?.Buttons) appendDebug("FAIL: namespace missing Buttons factory");
+        appendDebug(`loadScript:resolved inactive=${isInactive()} ns=${!!paypal} buttons=${!!paypal?.Buttons}`);
+        if (isInactive()) return;
+        if (!paypal?.Buttons) {
+          appendDebug("FAIL: namespace missing Buttons factory");
+          handlePreRenderFailure("PayPal SDK did not expose the Buttons factory.");
           return;
         }
         telemetrySource.log({
@@ -1590,7 +1668,7 @@ function DirectPayPalButtonImplementation({
           paymentMethodCategory: "paypal"
         });
         const handleApprove = async (data) => {
-          if (cancelled || activeRenderGenerationRef.current !== effectRenderGeneration) return;
+          if (isInactive() || activeRenderGenerationRef.current !== effectRenderGeneration) return;
           const token = data.subscriptionID ?? data.orderID ?? "";
           const context = token ? approvalContextByTokenRef.current.get(token) : attemptContextBySurfaceRef.current.get(effectRenderGeneration);
           if (!context || !isAttemptActive(context.generation)) return;
@@ -1615,7 +1693,7 @@ function DirectPayPalButtonImplementation({
           } catch (err) {
             forwardError(err instanceof Error ? err.message : "PayPal capture failed.");
           } finally {
-            setSubmitting(false);
+            if (!isInactive()) setSubmitting(false);
           }
         };
         const buttons = paypal.Buttons({
@@ -1626,11 +1704,20 @@ function DirectPayPalButtonImplementation({
           // inline-session/account patches land before the order is created,
           // matching the Stripe-rendered PayPal flow.
           onClick: async (_data, actions) => {
+            if (isInactive()) {
+              await actions.reject();
+              return;
+            }
+            beginPaypalIntentAttempt();
             const runner = runBeforeButtonClickRef.current;
             let prepared = {};
             if (runner) {
               try {
                 const beforeClick = await runner("paypal");
+                if (isInactive()) {
+                  await actions.reject();
+                  return;
+                }
                 if (!beforeClick.proceed) {
                   beforeClickRef.current = null;
                   attemptContextBySurfaceRef.current.delete(effectRenderGeneration);
@@ -1684,10 +1771,11 @@ function DirectPayPalButtonImplementation({
           // prior backend round-trip (the `paypal_direct_required` retry
           // path), feed it straight to PayPal instead of creating a new one.
           // Otherwise fall back to the normal create-intent call.
-          createOrder: isSubscription ? void 0 : existingOrderId ? () => Promise.resolve(registerApprovalContext(existingOrderId)) : () => createPaypalIntent("Failed to create PayPal order.").then(registerApprovalContext),
-          createSubscription: isSubscription ? existingOrderId ? () => Promise.resolve(registerApprovalContext(existingOrderId)) : () => createPaypalIntent("Failed to create PayPal subscription.").then(registerApprovalContext) : void 0,
+          createOrder: isSubscription ? void 0 : existingOrderId ? () => resolveExistingOrder(existingOrderId).then(registerApprovalContext) : () => createPaypalIntent("Failed to create PayPal order.").then(registerApprovalContext),
+          createSubscription: isSubscription ? existingOrderId ? () => resolveExistingOrder(existingOrderId).then(registerApprovalContext) : () => createPaypalIntent("Failed to create PayPal subscription.").then(registerApprovalContext) : void 0,
           onApprove: handleApprove,
           onCancel: () => {
+            if (isInactive()) return;
             const context = attemptContextBySurfaceRef.current.get(effectRenderGeneration) ?? beforeClickRef.current;
             if (context) attemptContextBySurfaceRef.current.delete(context.surfaceKey);
             beforeClickRef.current = null;
@@ -1701,7 +1789,7 @@ function DirectPayPalButtonImplementation({
             invalidateAttempt({ generation: context?.generation, remount: true, focus: false });
           },
           onError: (err) => {
-            if (cancelled || activeRenderGenerationRef.current !== effectRenderGeneration) return;
+            if (isInactive() || activeRenderGenerationRef.current !== effectRenderGeneration) return;
             const message = err instanceof Error ? err.message : "PayPal failed to render.";
             appendDebug(`onError rendered=${rendered} msg=${message.slice(0, 120)}`);
             if (rendered) {
@@ -1721,13 +1809,16 @@ function DirectPayPalButtonImplementation({
                 paymentMethodCategory: "paypal",
                 requestCategory: "provider_sdk"
               });
+              if (isProviderDecline(err)) {
+                reportPayPalDecline(err, context);
+              }
               if (context) attemptContextBySurfaceRef.current.delete(context.surfaceKey);
               beforeClickRef.current = null;
               invalidateAttempt({ generation: context?.generation, remount: true, showRetry: true, focus: true });
               notifyTechnicalFailure(err, { code: "paypal_runtime_failed" });
               return;
             }
-            markRenderFailed(message);
+            handlePreRenderFailure(message);
           }
         });
         const eligible = buttons.isEligible();
@@ -1740,17 +1831,19 @@ function DirectPayPalButtonImplementation({
         });
         if (!eligible) {
           setReady(false);
-          markRenderFailed(
+          handlePreRenderFailure(
             "PayPal buttons are not eligible to render in this context (paypal_ineligible)."
           );
           return;
         }
         const typedButtons = buttons;
+        ownedButtons = typedButtons;
         if (debug) {
           appendDebug(`container:dims ${formatDims(container)} visibility=${typeof document !== "undefined" ? document.visibilityState : "(no document)"}`);
         }
         if (debug && typeof MutationObserver !== "undefined") {
           containerObserver = new MutationObserver((mutations) => {
+            if (isInactive()) return;
             for (const mutation of mutations) {
               if (mutation.type === "childList") {
                 mutation.addedNodes.forEach((node) => {
@@ -1778,7 +1871,7 @@ function DirectPayPalButtonImplementation({
           });
         }
         const snapshotContainer = (when) => {
-          if (cancelled || rendered) return;
+          if (isInactive() || rendered) return;
           const iframes = container.querySelectorAll("iframe");
           const hasStorageAccess = typeof document !== "undefined" && "hasStorageAccess" in document;
           appendDebug(`watchdog:${when} container=${formatDims(container)} children=${container.childElementCount} iframes=${iframes.length} visibility=${typeof document !== "undefined" ? document.visibilityState : "(no document)"} cookies=${typeof navigator !== "undefined" ? navigator.cookieEnabled : "?"} hasStorageAccessApi=${hasStorageAccess} paypalNetRequests=${paypalRequestCount.value}`);
@@ -1798,17 +1891,25 @@ function DirectPayPalButtonImplementation({
           watchdogTimers.push(setTimeout(() => snapshotContainer("15s"), 15e3));
         }
         appendDebug("render:start");
+        watchdogTimers.push(setTimeout(() => {
+          if (isInactive() || rendered) return;
+          appendDebug("watchdog:11s retryable render timeout");
+          handlePreRenderFailure(
+            "PayPal Buttons render did not settle within 11000ms.",
+            true
+          );
+        }, PAYPAL_RENDER_WATCHDOG_MS));
         buttons.render(container).then(() => {
-          appendDebug(`render:resolved cancelled=${cancelled}`);
+          appendDebug(`render:resolved inactive=${isInactive()}`);
           stopDiagnostics();
-          if (cancelled) {
-            typedButtons.close().catch(() => {
-            });
+          if (isInactive()) {
+            closeOwnedButtons();
             return;
           }
-          activeButtons = typedButtons;
           rendered = true;
           setReady(true);
+          setRecovering(false);
+          onInitializationStateChangeRef.current?.("ready");
           telemetrySource.log({
             name: "provider.ready",
             stage: "provider_ready",
@@ -1826,24 +1927,22 @@ function DirectPayPalButtonImplementation({
           const message = err instanceof Error ? err.message : "PayPal failed to render.";
           appendDebug(`render:rejected msg=${message.slice(0, 120)}`);
           stopDiagnostics();
-          markRenderFailed(message);
+          handlePreRenderFailure(message);
         });
       }).catch((err) => {
         const message = err instanceof Error ? err.message : "PayPal SDK failed to load.";
         appendDebug(`loadScript:rejected msg=${message.slice(0, 120)}`);
-        markRenderFailed(message);
+        handlePreRenderFailure(message);
       });
     }, 0);
     return () => {
       cancelled = true;
       clearTimeout(startTimer);
+      if (retryTimer) clearTimeout(retryTimer);
       stopDiagnostics();
-      if (activeButtons) {
-        activeButtons.close().catch(() => {
-        });
-      }
+      closeOwnedButtons();
     };
-  }, [baseUrl, clientId, currency, environment, isSubscription, sessionId, existingOrderId, renderGeneration, telemetrySource]);
+  }, [allowAutomaticRetry, baseUrl, clientId, currency, environment, isSubscription, sessionId, existingOrderId, renderGeneration, telemetrySource]);
   const debugPanel = debug ? /* @__PURE__ */ (0, import_jsx_runtime6.jsxs)(
     "pre",
     {
@@ -1868,7 +1967,7 @@ ${debugLines.join("\n")}`
       ]
     }
   ) : null;
-  if (failed) {
+  if (failed && !initializationConfigChanged) {
     return debug ? /* @__PURE__ */ (0, import_jsx_runtime6.jsx)("div", { children: debugPanel }) : null;
   }
   return (
@@ -1878,38 +1977,51 @@ ${debugLines.join("\n")}`
     // intentionally has no margin/padding so the parent owns all spacing.
     /* @__PURE__ */ (0, import_jsx_runtime6.jsxs)("div", { children: [
       debugPanel,
-      /* @__PURE__ */ (0, import_jsx_runtime6.jsxs)("div", { style: { position: "relative", minHeight: DEFAULT_BUTTON_HEIGHT }, children: [
-        !ready && /* @__PURE__ */ (0, import_jsx_runtime6.jsx)(
-          "div",
-          {
-            "data-testid": "flopay-direct-paypal-placeholder",
-            style: {
-              position: "absolute",
-              inset: 0,
-              borderRadius: 8,
-              background: "#e5e7eb",
-              animation: "flopay-pulse 1.5s ease-in-out infinite",
-              pointerEvents: "none"
-            }
-          }
-        ),
-        /* @__PURE__ */ (0, import_jsx_runtime6.jsx)(
-          "div",
-          {
-            ref: containerRef,
-            "data-testid": "flopay-direct-paypal-container",
-            tabIndex: -1,
-            "aria-label": "PayPal payment method",
-            style: {
-              minHeight: DEFAULT_BUTTON_HEIGHT,
-              display: "flex",
-              opacity: ready ? 1 : 0
-            },
-            "aria-busy": submitting || isProcessing
-          },
-          renderGeneration
-        )
-      ] }),
+      /* @__PURE__ */ (0, import_jsx_runtime6.jsxs)(
+        "div",
+        {
+          "aria-hidden": recovering ? true : void 0,
+          style: recovering ? {
+            position: "relative",
+            height: 0,
+            opacity: 0,
+            pointerEvents: "none"
+          } : { position: "relative", minHeight: DEFAULT_BUTTON_HEIGHT },
+          children: [
+            !ready && !recovering && /* @__PURE__ */ (0, import_jsx_runtime6.jsx)(
+              "div",
+              {
+                "data-testid": "flopay-direct-paypal-placeholder",
+                style: {
+                  position: "absolute",
+                  inset: 0,
+                  borderRadius: 8,
+                  background: "#e5e7eb",
+                  animation: "flopay-pulse 1.5s ease-in-out infinite",
+                  pointerEvents: "none"
+                }
+              }
+            ),
+            /* @__PURE__ */ (0, import_jsx_runtime6.jsx)(
+              "div",
+              {
+                ref: containerRef,
+                "data-testid": "flopay-direct-paypal-container",
+                tabIndex: -1,
+                "aria-label": "PayPal payment method",
+                style: {
+                  minHeight: DEFAULT_BUTTON_HEIGHT,
+                  display: "flex",
+                  opacity: ready ? 1 : 0
+                },
+                "aria-busy": submitting || isProcessing
+              },
+              renderGeneration
+            )
+          ]
+        },
+        renderGeneration
+      ),
       showRetryFocusTarget && /* @__PURE__ */ (0, import_jsx_runtime6.jsx)(
         "button",
         {
@@ -1937,6 +2049,22 @@ var import_jsx_runtime7 = require("react/jsx-runtime");
 var STRIPE_RESUME_KEY = "flopay_stripe_resume";
 var LEGACY_WALLET_RESUME_KEY = "flopay_wallet_resume";
 var PAYPAL_RESUME_KEY = "flopay_paypal_resume";
+async function reportNonCardDecline({
+  billingApiUrl,
+  sessionId,
+  nonce,
+  request
+}) {
+  if (!sessionId || !nonce) return;
+  try {
+    await new import_js2.PaymentAPI(billingApiUrl, { telemetry: false }).reportSessionIntentDecline(
+      sessionId,
+      nonce,
+      request
+    );
+  } catch {
+  }
+}
 function isAccountValidationError(err) {
   return err instanceof import_shared6.FloPayError && typeof err.statusCode === "number" && err.statusCode >= 400 && err.statusCode < 500;
 }
@@ -2226,11 +2354,9 @@ function ExpressCheckoutReadySwap({
 function isExpressCheckoutRowVisible(state) {
   return state !== "unavailable" && state !== "load_error";
 }
-var SplitCardForm = (0, import_react9.forwardRef)(
-  function SplitCardForm2(props, ref) {
-    return /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(SplitCardFormInner, { ...props, innerRef: ref });
-  }
-);
+function SplitCardForm(props) {
+  return /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(SplitCardFormInner, { ...props });
+}
 function PayPalButtonInner({
   sessionId,
   nonce,
@@ -2261,7 +2387,6 @@ function PayPalButtonInner({
   const [showRecoveryAction, setShowRecoveryAction] = (0, import_react9.useState)(false);
   const pendingProviderFocusRef = (0, import_react9.useRef)(false);
   const attemptContextBySurfaceRef = (0, import_react9.useRef)(/* @__PURE__ */ new Map());
-  const baseUrl = billingApiUrl.replace(/\/+$/, "");
   const {
     startAttempt,
     finishAttempt,
@@ -2432,33 +2557,21 @@ function PayPalButtonInner({
         event.paymentFailed({ reason: "fail" });
         return;
       }
-      const intentHeaders = { "Content-Type": "application/json" };
-      if (effectiveNonce) intentHeaders["x-checkout-session-token"] = effectiveNonce;
-      const intentResponse = await fetch(`${baseUrl}/v1/checkouts/payments/intents`, {
-        method: "POST",
-        headers: intentHeaders,
-        body: JSON.stringify({
-          sessionId: effectiveSessionId,
-          email: effectiveEmail,
-          paymentMethodType: paymentMethod?.id ?? "paypal",
-          isPaypal: "true",
-          setupFutureUsage: "off_session",
-          setup_future_usage: "off_session"
-        })
-      });
-      if (!intentResponse.ok) {
-        const intentError = await buildFloPayApiErrorFromResponse(
-          intentResponse,
-          "Failed to create payment intent"
-        );
-        onErrorChange?.(intentError.message);
-        onDecline?.(buildDeclineEvent("paypal", intentError));
-        event.paymentFailed({ reason: "fail", message: intentError.message });
-        return;
+      const intent = await new import_js2.PaymentAPI(billingApiUrl).createSessionIntent(
+        effectiveSessionId,
+        effectiveNonce ?? "",
+        {
+          provider: "stripe",
+          paymentMethodCategory: "wallet",
+          paymentMethodType: "paypal",
+          paymentMethodId: paymentMethod?.id ?? null,
+          intentKind: "payment"
+        }
+      );
+      if (intent.provider !== "stripe") {
+        throw new Error("Invalid provider returned for PayPal intent");
       }
-      const intentJson = await intentResponse.json();
-      const intentClientSecret = intentJson.data?.id;
-      if (!intentClientSecret) throw new Error("No client_secret in payment intent response");
+      const intentClientSecret = intent.clientSecret;
       const confirmParams = {
         return_url: window.location.href
       };
@@ -2495,6 +2608,17 @@ function PayPalButtonInner({
             code: getProviderErrorCode(confirmError),
             declineCode: getProviderDeclineCode(confirmError)
           }));
+          await reportNonCardDecline({
+            billingApiUrl,
+            sessionId: effectiveSessionId,
+            nonce: effectiveNonce,
+            request: {
+              provider: "stripe",
+              paymentMethodCategory: "wallet",
+              paymentMethodType: "paypal",
+              providerDeclineReason: getProviderErrorCode(confirmError) ?? "provider_declined"
+            }
+          });
         } else {
           recoverTechnicalFailure(confirmError, "stripe_paypal_confirm_failed", attemptContext?.generation);
         }
@@ -2523,7 +2647,7 @@ function PayPalButtonInner({
     } finally {
       setSubmitting(false);
     }
-  }, [stripe, elements, sessionId, nonce, email, baseUrl, onTokenizedBody, onErrorChange, onDecline, runBeforeButtonClick, recoverTechnicalFailure, finishAttempt, isAttemptCurrent, isAttemptInvalidated, surfaceKey]);
+  }, [stripe, elements, sessionId, nonce, email, billingApiUrl, onTokenizedBody, onErrorChange, onDecline, runBeforeButtonClick, recoverTechnicalFailure, finishAttempt, isAttemptCurrent, isAttemptInvalidated, surfaceKey]);
   return /* @__PURE__ */ (0, import_jsx_runtime7.jsxs)(import_jsx_runtime7.Fragment, { children: [
     /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(
       ExpressCheckoutReadySwap,
@@ -2599,6 +2723,7 @@ function WalletButtonInner({
   nonce,
   email,
   billingApiUrl,
+  intentKind,
   expressMethods,
   onTokenizedBody,
   onErrorChange,
@@ -2617,7 +2742,6 @@ function WalletButtonInner({
     onLoadStateChange?.(loadState);
   }, [loadState, onLoadStateChange]);
   const [submitting, setSubmitting] = (0, import_react9.useState)(false);
-  const baseUrl = billingApiUrl.replace(/\/+$/, "");
   const focusTargetRef = (0, import_react9.useRef)(null);
   const recoveryActionRef = (0, import_react9.useRef)(null);
   const [surfaceKey, setSurfaceKey] = (0, import_react9.useState)(0);
@@ -2718,31 +2842,21 @@ function WalletButtonInner({
         if (!effectiveSessionId || !effectiveEmail) {
           throw new Error("Missing sessionId or email for wallet payment");
         }
-        const intentHeaders = { "Content-Type": "application/json" };
-        if (effectiveNonce) intentHeaders["x-checkout-session-token"] = effectiveNonce;
-        const intentResponse = await fetch(`${baseUrl}/v1/checkouts/payments/intents`, {
-          method: "POST",
-          headers: intentHeaders,
-          body: JSON.stringify({
-            sessionId: effectiveSessionId,
-            email: effectiveEmail,
-            paymentMethodType: paymentMethod.id,
-            isPaypal: false
-          })
-        });
-        if (!intentResponse.ok) {
-          const intentError = await buildFloPayApiErrorFromResponse(
-            intentResponse,
-            "Failed to create payment intent"
-          );
-          onErrorChange?.(intentError.message);
-          onDecline?.(buildDeclineEvent(method, intentError));
-          event.paymentFailed({ reason: "fail", message: intentError.message });
-          return;
+        const intent = await new import_js2.PaymentAPI(billingApiUrl).createSessionIntent(
+          effectiveSessionId,
+          effectiveNonce ?? "",
+          {
+            provider: "stripe",
+            paymentMethodCategory: "wallet",
+            paymentMethodType: walletType ?? buttonMethod,
+            paymentMethodId: paymentMethod.id,
+            intentKind
+          }
+        );
+        if (intent.provider !== "stripe") {
+          throw new Error("Invalid provider returned for wallet intent");
         }
-        const intentJson = await intentResponse.json();
-        const intentClientSecret = intentJson.data?.id;
-        if (!intentClientSecret) throw new Error("No client_secret in payment intent response");
+        const intentClientSecret = intent.clientSecret;
         const { error: confirmError, intentId } = (0, import_shared6.isSetupIntentClientSecret)(intentClientSecret) ? await stripe.confirmCardSetup(intentClientSecret, { payment_method: paymentMethod.id }).then((r) => ({ error: r.error, intentId: r.setupIntent?.id })) : await stripe.confirmCardPayment(intentClientSecret, { payment_method: paymentMethod.id }).then((r) => ({ error: r.error, intentId: r.paymentIntent?.id }));
         if (confirmError) {
           if (isProviderDecline(confirmError)) {
@@ -2752,6 +2866,17 @@ function WalletButtonInner({
               code: getProviderErrorCode(confirmError),
               declineCode: getProviderDeclineCode(confirmError)
             }));
+            await reportNonCardDecline({
+              billingApiUrl,
+              sessionId: effectiveSessionId,
+              nonce: effectiveNonce,
+              request: {
+                provider: "stripe",
+                paymentMethodCategory: "wallet",
+                paymentMethodType: walletType ?? buttonMethod,
+                providerDeclineReason: getProviderErrorCode(confirmError) ?? "provider_declined"
+              }
+            });
           } else {
             recoverTechnicalFailure(walletType, confirmError, "stripe_wallet_confirm_failed", attemptContext?.generation);
           }
@@ -2772,7 +2897,7 @@ function WalletButtonInner({
         setSubmitting(false);
       }
     },
-    [stripe, elements, sessionId, nonce, email, baseUrl, onTokenizedBody, onErrorChange, onDecline, runBeforeButtonClick, recoverTechnicalFailure, finishAttempt, isAttemptCurrent, isAttemptInvalidated, surfaceKey]
+    [stripe, elements, sessionId, nonce, email, billingApiUrl, intentKind, onTokenizedBody, onErrorChange, onDecline, runBeforeButtonClick, recoverTechnicalFailure, finishAttempt, isAttemptCurrent, isAttemptInvalidated, surfaceKey]
   );
   const expressMethodMap = (0, import_react9.useMemo)(() => {
     const allKeys = ["applePay", "googlePay", "paypal", "link", "amazonPay", "klarna"];
@@ -2905,6 +3030,7 @@ function StripeMethodButton({
   fontFamily
 }) {
   const brand = (0, import_shared5.resolveStripeMethodBrandVariant)(method, themeId);
+  const vendoredLogoUrl = PAYMENT_METHOD_LOGO_URLS[method];
   const resolvedBackground = brand?.backgroundColor ?? backgroundColor ?? "#ffffff";
   const resolvedBorder = brand?.borderColor ?? borderColor ?? "#d1d5db";
   const resolvedTextColor = brand?.textColor ?? textColor ?? "#262833";
@@ -2970,15 +3096,36 @@ function StripeMethodButton({
               gap: (0, import_shared5.hasVendoredStripeMethodLogo)(method) ? 8 : 0
             },
             children: [
-              brand?.logoSvg && /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(
+              vendoredLogoUrl ? (
+                // Vendored brand logo — an <img> asset (not inline SVG) so its
+                // bytes ship as a sibling file, out of the JS bundle. 3:2 box
+                // matching the datatrans logos' 120×80 viewBox; each ships its own
+                // white rounded-rect background so it stays legible on any tile.
+                /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(
+                  "img",
+                  {
+                    src: vendoredLogoUrl,
+                    alt: "",
+                    "aria-hidden": "true",
+                    loading: "lazy",
+                    decoding: "async",
+                    width: 30,
+                    height: 20,
+                    style: {
+                      width: 30,
+                      height: 20,
+                      flexShrink: 0,
+                      borderRadius: 3,
+                      objectFit: "contain",
+                      display: "inline-flex"
+                    }
+                  }
+                )
+              ) : brand?.logoSvg ? /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(
                 "span",
                 {
                   "aria-hidden": "true",
                   style: {
-                    // 3:2 box matching the vendored datatrans logos' 120×80
-                    // viewBox. Each logo ships with its own white rounded-rect
-                    // background baked in, so the mark stays legible on any
-                    // brand-coloured tile without an extra chip wrapper here.
                     width: 30,
                     height: 20,
                     flexShrink: 0,
@@ -2988,7 +3135,7 @@ function StripeMethodButton({
                   },
                   dangerouslySetInnerHTML: { __html: brand.logoSvg }
                 }
-              ),
+              ) : null,
               /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("span", { children: (0, import_shared5.getStripeMethodDisplayName)(method) })
             ]
           }
@@ -3046,7 +3193,6 @@ function StripeMethodInlineForm({
   const submittingRef = (0, import_react9.useRef)(false);
   const [isMethodComplete, setIsMethodComplete] = (0, import_react9.useState)(false);
   const [loadState, setLoadState] = (0, import_react9.useState)("loading");
-  const baseUrl = billingApiUrl.replace(/\/+$/, "");
   const handlePay = (0, import_react9.useCallback)(async () => {
     if (!stripe || !elements || isProcessing || submittingRef.current || !isMethodComplete) return;
     submittingRef.current = true;
@@ -3077,27 +3223,22 @@ function StripeMethodInlineForm({
       if (!effectiveSessionId || !effectiveEmail) {
         throw new Error("Missing sessionId or email for payment.");
       }
-      const intentHeaders = { "Content-Type": "application/json" };
-      if (effectiveNonce) intentHeaders["x-checkout-session-token"] = effectiveNonce;
-      const intentResponse = await fetch(`${baseUrl}/v1/checkouts/payments/intents`, {
-        method: "POST",
-        headers: intentHeaders,
-        body: JSON.stringify({
-          sessionId: effectiveSessionId,
-          email: effectiveEmail,
-          paymentMethodType: paymentMethod.type || method,
-          isPaypal: false
-        })
-      });
-      if (!intentResponse.ok) {
-        const intentError = await buildFloPayApiErrorFromResponse(intentResponse, "Failed to create payment intent");
-        onErrorChange?.(intentError.message);
-        onDecline?.(buildDeclineEvent("card", intentError));
-        return;
+      const paymentMethodType = paymentMethod.type || method;
+      const intent = await new import_js2.PaymentAPI(billingApiUrl).createSessionIntent(
+        effectiveSessionId,
+        effectiveNonce ?? "",
+        {
+          provider: "stripe",
+          paymentMethodCategory: "apm",
+          paymentMethodType,
+          paymentMethodId: null,
+          intentKind: "payment"
+        }
+      );
+      if (intent.provider !== "stripe") {
+        throw new Error("Invalid provider returned for APM intent");
       }
-      const intentJson = await intentResponse.json();
-      const intentClientSecret = intentJson.data?.id;
-      if (!intentClientSecret) throw new Error("No client_secret in payment intent response");
+      const intentClientSecret = intent.clientSecret;
       if (typeof window !== "undefined") {
         try {
           localStorage.setItem(STRIPE_RESUME_KEY, JSON.stringify({
@@ -3130,11 +3271,21 @@ function StripeMethodInlineForm({
         const message = confirmError.message ?? "Payment failed.";
         onErrorChange?.(message);
         onDecline?.(buildDeclineEvent("card", message, { code: confirmError.code }));
+        await reportNonCardDecline({
+          billingApiUrl,
+          sessionId: effectiveSessionId,
+          nonce: effectiveNonce,
+          request: {
+            provider: "stripe",
+            paymentMethodCategory: "apm",
+            paymentMethodType: method,
+            providerDeclineReason: confirmError.code ?? "provider_declined"
+          }
+        });
         return;
       }
-      const SUCCESSFUL_PI_STATUSES = /* @__PURE__ */ new Set(["succeeded", "requires_capture", "processing"]);
       const piStatus = paymentIntent?.status;
-      if (!piStatus || !SUCCESSFUL_PI_STATUSES.has(piStatus)) {
+      if (!isSuccessfulPaymentIntentStatus(piStatus)) {
         if (typeof window !== "undefined") {
           try {
             localStorage.removeItem(STRIPE_RESUME_KEY);
@@ -3180,7 +3331,7 @@ function StripeMethodInlineForm({
     sessionId,
     nonce,
     email,
-    baseUrl,
+    billingApiUrl,
     method,
     onTokenizedBody,
     onErrorChange,
@@ -3244,22 +3395,7 @@ function StripeMethodInlineForm({
         children: submitting ? "Processing\u2026" : `Pay with ${(0, import_shared5.getStripeMethodDisplayName)(method)}`
       }
     ),
-    errorText && /* @__PURE__ */ (0, import_jsx_runtime7.jsxs)("div", { role: "alert", "data-testid": "flopay-error", style: {
-      margin: "0.75rem 0 0",
-      padding: "0.625rem 0.875rem",
-      background: "#FEF2F2",
-      border: "1px solid #FECACA",
-      borderRadius: "8px",
-      color: "#991B1B",
-      fontSize: "0.85rem",
-      fontWeight: 600,
-      display: "flex",
-      alignItems: "center",
-      gap: "0.5rem"
-    }, children: [
-      /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("svg", { width: "16", height: "16", viewBox: "0 0 24 24", fill: "none", style: { flexShrink: 0 }, children: /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("path", { d: "M12 9v4m0 4h.01M21 12a9 9 0 11-18 0 9 9 0 0118 0z", stroke: "#DC2626", strokeWidth: "2", strokeLinecap: "round", strokeLinejoin: "round" }) }),
-      errorText
-    ] })
+    errorText && /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(ErrorBanner, { margin: "0.75rem 0 0", children: errorText })
   ] });
 }
 function StripePaymentElementInner({
@@ -3286,7 +3422,6 @@ function StripePaymentElementInner({
   onExpandApm,
   expandedApmMethod
 }) {
-  const baseUrl = billingApiUrl.replace(/\/+$/, "");
   const [expandedMethod, setExpandedMethod] = (0, import_react9.useState)(null);
   const [submittingMethod, setSubmittingMethod] = (0, import_react9.useState)(null);
   const submittingRef = (0, import_react9.useRef)(false);
@@ -3317,31 +3452,21 @@ function StripePaymentElementInner({
       if (!effectiveSessionId || !effectiveEmail) {
         throw new Error("Missing sessionId or email for payment.");
       }
-      const intentHeaders = { "Content-Type": "application/json" };
-      if (effectiveNonce) intentHeaders["x-checkout-session-token"] = effectiveNonce;
-      const intentResponse = await fetch(`${baseUrl}/v1/checkouts/payments/intents`, {
-        method: "POST",
-        headers: intentHeaders,
-        body: JSON.stringify({
-          sessionId: effectiveSessionId,
-          email: effectiveEmail,
-          // Wire type, not pm_xxx — backend scopes `payment_method_types`
-          // to this single method so unrelated account-wide methods
-          // (apple_pay without domain verification, …) don't poison PI
-          // creation.
+      const intent = await new import_js2.PaymentAPI(billingApiUrl).createSessionIntent(
+        effectiveSessionId,
+        effectiveNonce ?? "",
+        {
+          provider: "stripe",
+          paymentMethodCategory: "apm",
           paymentMethodType: method,
-          isPaypal: false
-        })
-      });
-      if (!intentResponse.ok) {
-        const intentError = await buildFloPayApiErrorFromResponse(intentResponse, "Failed to create payment intent");
-        onErrorChange?.(intentError.message);
-        onDecline?.(buildDeclineEvent("card", intentError));
-        return;
+          paymentMethodId: null,
+          intentKind: "payment"
+        }
+      );
+      if (intent.provider !== "stripe") {
+        throw new Error("Invalid provider returned for APM intent");
       }
-      const intentJson = await intentResponse.json();
-      const intentClientSecret = intentJson.data?.id;
-      if (!intentClientSecret) throw new Error("No client_secret in payment intent response");
+      const intentClientSecret = intent.clientSecret;
       if (typeof window !== "undefined") {
         try {
           localStorage.setItem(STRIPE_RESUME_KEY, JSON.stringify({
@@ -3382,11 +3507,21 @@ function StripePaymentElementInner({
         const message = confirmError.message ?? "Payment failed.";
         onErrorChange?.(message);
         onDecline?.(buildDeclineEvent("card", message, { code: confirmError.code }));
+        await reportNonCardDecline({
+          billingApiUrl,
+          sessionId: effectiveSessionId,
+          nonce: effectiveNonce,
+          request: {
+            provider: "stripe",
+            paymentMethodCategory: "apm",
+            paymentMethodType: method,
+            providerDeclineReason: confirmError.code ?? "provider_declined"
+          }
+        });
         return;
       }
-      const SUCCESSFUL_PI_STATUSES = /* @__PURE__ */ new Set(["succeeded", "requires_capture", "processing"]);
       const piStatus = paymentIntent?.status;
-      if (!piStatus || !SUCCESSFUL_PI_STATUSES.has(piStatus)) {
+      if (!isSuccessfulPaymentIntentStatus(piStatus)) {
         if (typeof window !== "undefined") {
           try {
             localStorage.removeItem(STRIPE_RESUME_KEY);
@@ -3430,7 +3565,7 @@ function StripePaymentElementInner({
     sessionId,
     nonce,
     email,
-    baseUrl,
+    billingApiUrl,
     billingName,
     onTokenizedBody,
     onErrorChange,
@@ -3531,15 +3666,10 @@ function SplitCardFormInner({
   firstName,
   lastName,
   chv,
-  submitLabel = "CONFIRM PAYMENT",
   className,
-  children,
   isProcessing: externalProcessing,
   error: externalError,
   onErrorChange,
-  onFullNameChange,
-  onFirstNameChange,
-  onLastNameChange,
   showPayPal = true,
   showStripe = true,
   enabledPaymentMethods,
@@ -3578,17 +3708,14 @@ function SplitCardFormInner({
   directPaypal,
   isSubscription = false,
   session,
-  debug = false,
-  innerRef
+  debug = false
 }) {
   const flopay = useFloPay();
   const paypalFlopay = usePayPalFloPay();
-  const elements = useElements();
   const checkout = (0, import_react9.useContext)(CheckoutContext);
   const contextBillingUrl = useBillingApiUrl();
   const [processing, setProcessing] = (0, import_react9.useState)(false);
   const [error, setError] = (0, import_react9.useState)(null);
-  const [is3DSActive, setIs3DSActive] = (0, import_react9.useState)(false);
   const [selectedCountry, setSelectedCountry] = (0, import_react9.useState)(countryProp ?? "US");
   const [zipCode, setZipCode] = (0, import_react9.useState)(zipProp ?? "");
   const [addressLine1, setAddressLine1] = (0, import_react9.useState)(addressLine1Prop ?? "");
@@ -3606,8 +3733,9 @@ function SplitCardFormInner({
   const enableAVS = avsConfig !== null;
   const vaultBlockReady = Boolean(session?.vault?.html);
   const vaultGatewayAdvertised = Boolean(session?.gateways?.pcivault);
+  const vaultCapabilityAvailable = vaultBlockReady || vaultGatewayAdvertised;
   const vaultActive = Boolean(
-    showStripe && (vaultBlockReady || vaultGatewayAdvertised) && flopay && sessionId
+    showStripe && vaultCapabilityAvailable && flopay && sessionId
   );
   const cardCapture = (0, import_react9.useMemo)(() => {
     if (!flopay || !vaultActive || !sessionId) return null;
@@ -3639,7 +3767,9 @@ function SplitCardFormInner({
   const [vaultMount, setVaultMount] = (0, import_react9.useState)(
     () => toVaultMount(session?.vault)
   );
-  const [viewState, setViewState] = (0, import_react9.useState)(initialCardOpen ? "card" : "buttons");
+  const [viewState, setViewState] = (0, import_react9.useState)(
+    initialCardOpen && vaultCapabilityAvailable ? "card" : "buttons"
+  );
   const [expandedApmMethod, setExpandedApmMethod] = (0, import_react9.useState)(null);
   const showCardForm = viewState === "expanding" || viewState === "card";
   const TRANSITION_MS = 280;
@@ -3664,12 +3794,10 @@ function SplitCardFormInner({
     }, TRANSITION_MS);
   }, []);
   (0, import_react9.useEffect)(() => {
-    if (layout === "buttons" && initialCardOpen) {
+    if (layout === "buttons" && initialCardOpen && vaultCapabilityAvailable) {
       setViewState("card");
     }
-  }, [layout, initialCardOpen]);
-  const [fullName, setFullName] = (0, import_react9.useState)("");
-  const [formReady, setFormReady] = (0, import_react9.useState)(false);
+  }, [layout, initialCardOpen, vaultCapabilityAvailable]);
   const [overlayStatus, setOverlayStatus] = (0, import_react9.useState)(null);
   const processingRef = (0, import_react9.useRef)(false);
   const [paypalDirectRetry, setPaypalDirectRetry] = (0, import_react9.useState)(null);
@@ -3722,7 +3850,6 @@ function SplitCardFormInner({
   }, [appearance, bStyles, layout]);
   const isInlineSessionPatchProcessing = checkout.inlineSessionPatchProcessing ?? false;
   const isSubmitting = (externalProcessing ?? processing) || isInlineSessionPatchProcessing;
-  const isSelfContained = !onTokenizedBody;
   const baseUrl = resolvedBillingApiUrl.replace(/\/+$/, "");
   const resolvedAccount = (0, import_react9.useMemo)(() => mergeAccountPatch({
     userId,
@@ -3732,6 +3859,7 @@ function SplitCardFormInner({
     country: countryProp,
     zip: zipProp
   }, accountPatch), [userId, email, firstName, lastName, countryProp, zipProp, accountPatch]);
+  const resolvedBillingName = [resolvedAccount.firstName, resolvedAccount.lastName].filter((part) => Boolean(part?.trim())).join(" ");
   const stripeInstance = (0, import_react9.useMemo)(() => {
     if (!flopay) return null;
     return flopay.getRawProvider();
@@ -3871,7 +3999,6 @@ function SplitCardFormInner({
     updateError,
     emitDecline,
     resolvedAccount,
-    fullName,
     avsConfig,
     avsCheckProp,
     sessionId,
@@ -3884,7 +4011,6 @@ function SplitCardFormInner({
     updateError,
     emitDecline,
     resolvedAccount,
-    fullName,
     avsConfig,
     avsCheckProp,
     sessionId,
@@ -3893,7 +4019,7 @@ function SplitCardFormInner({
   };
   const vaultCompletedRef = (0, import_react9.useRef)(false);
   const buildVaultAccountSnapshot = (0, import_react9.useCallback)(() => {
-    const { resolvedAccount: resolvedAccount2, avsConfig: avsConfig2, fullName: fullName2, avsCheckProp: avsCheckProp2 } = vaultOutcomeRef.current;
+    const { resolvedAccount: resolvedAccount2, avsConfig: avsConfig2, avsCheckProp: avsCheckProp2 } = vaultOutcomeRef.current;
     const cc = selectedCountryRef.current || resolvedAccount2.country || "US";
     const stateVisible = avsConfig2 ? (0, import_shared5.isAVSFieldVisible)(avsConfig2.state, cc) : false;
     const line1Visible = avsConfig2 ? (0, import_shared5.isAVSFieldVisible)(avsConfig2.address_line_1, cc) : false;
@@ -3906,8 +4032,8 @@ function SplitCardFormInner({
       accountData: {
         userId: resolvedAccount2.userId ?? "",
         email: resolvedAccount2.email ?? "",
-        firstName: resolvedAccount2.firstName ?? fullName2.trim().split(/\s+/)[0] ?? "",
-        lastName: resolvedAccount2.lastName ?? fullName2.trim().split(/\s+/).slice(1).join(" ") ?? "",
+        firstName: resolvedAccount2.firstName ?? "",
+        lastName: resolvedAccount2.lastName ?? "",
         ...zipVisible && zipCodeRef.current ? { zip: zipCodeRef.current } : {},
         ...cityVisible && cityRef.current ? { city: cityRef.current } : {},
         ...stateValue2 ? { state: stateValue2 } : {},
@@ -4035,6 +4161,7 @@ function SplitCardFormInner({
   const [walletLoadState, setWalletLoadState] = (0, import_react9.useState)("loading");
   const [paymentElementLoadState, setPaymentElementLoadState] = (0, import_react9.useState)("loading");
   const [directPaypalReady, setDirectPaypalReady] = (0, import_react9.useState)(false);
+  const [directPaypalInitializationState, setDirectPaypalInitializationState] = (0, import_react9.useState)("loading");
   const [inAppBrowserDetected, setInAppBrowserDetected] = (0, import_react9.useState)();
   (0, import_react9.useEffect)(() => {
     setInAppBrowserDetected(isInAppBrowser());
@@ -4042,12 +4169,15 @@ function SplitCardFormInner({
   const shouldShowPayPal = showPayPal && (directPaypalConfigured || (hasEnabledMethodsPayload ? paypalEnabled : inAppBrowserDetected === false));
   const shouldShowWallets = showStripe && showWallets;
   const shouldRenderDirectPayPal = shouldShowPayPal && directPaypalConfigured;
-  const shouldRenderStripePayPal = shouldShowPayPal && !directPaypalConfigured && !!paypalStripeInstance;
+  const directPaypalUnavailable = directPaypalInitializationState === "retrying" || directPaypalInitializationState === "exhausted";
+  const shouldRenderStripePayPal = shouldShowPayPal && !!paypalStripeInstance && (!directPaypalConfigured || directPaypalUnavailable);
   const shouldRenderWallets = shouldShowWallets && !!stripeInstance;
   const shouldRenderPaymentElement = showStripe && hasEnabledMethods && paymentElementMethodsForCurrency.length > 0 && !!stripeInstance;
-  const shouldDisplayPayPalRow = shouldRenderDirectPayPal ? directPaypalReady : shouldRenderStripePayPal && isExpressCheckoutRowVisible(paypalLoadState);
+  const shouldDisplayPayPalRow = shouldRenderDirectPayPal && !directPaypalUnavailable ? directPaypalReady : shouldRenderStripePayPal && isExpressCheckoutRowVisible(paypalLoadState);
   const shouldDisplayWalletRow = shouldRenderWallets && isExpressCheckoutRowVisible(walletLoadState);
   const shouldDisplayPaymentElementRow = shouldRenderPaymentElement && paymentElementLoadState !== "load_error";
+  const expressSurfaceUsable = (state) => state === "loading" || state === "ready";
+  const hasUsableNonCardCapability = shouldRenderDirectPayPal || shouldRenderStripePayPal && expressSurfaceUsable(paypalLoadState) || shouldRenderWallets && expressSurfaceUsable(walletLoadState) || shouldRenderPaymentElement && paymentElementLoadState !== "load_error";
   const validationFiredRef = (0, import_react9.useRef)(false);
   (0, import_react9.useEffect)(() => {
     if (validationFiredRef.current) return;
@@ -4067,8 +4197,27 @@ function SplitCardFormInner({
       );
       onError?.(err);
       updateError(err.message);
+    } else if (inAppBrowserDetected !== void 0 && !vaultCapabilityAvailable && !hasUsableNonCardCapability) {
+      validationFiredRef.current = true;
+      const err = new import_shared6.FloPayError(
+        "FloPay: this checkout session has no vault card capability and no usable supported non-card payment methods. Upgrade the billing backend integration.",
+        "api_error",
+        { code: "UnsupportedBackendVaultCapability" }
+      );
+      onError?.(err);
+      updateError(err.message);
     }
-  }, [showStripe, showPayPal, directPaypalConfigured, paypalStripeInstance, onError, updateError]);
+  }, [
+    showStripe,
+    showPayPal,
+    directPaypalConfigured,
+    paypalStripeInstance,
+    inAppBrowserDetected,
+    vaultCapabilityAvailable,
+    hasUsableNonCardCapability,
+    onError,
+    updateError
+  ]);
   const deprecationLoggedRef = (0, import_react9.useRef)(false);
   (0, import_react9.useEffect)(() => {
     if (deprecationLoggedRef.current) return;
@@ -4082,13 +4231,6 @@ function SplitCardFormInner({
       `[FloPay] ${stale.join(" / ")} ${stale.length === 1 ? "is" : "are"} deprecated: the Apple Pay / Google Pay surface is now driven by \`gateways.stripe.enabledPaymentMethods\` on the session response. Remove the legacy prop(s) to silence this warning.`
     );
   }, [hasEnabledMethods, showApplePay, showGooglePay]);
-  const handleNameChange = (0, import_react9.useCallback)((value) => {
-    setFullName(value);
-    onFullNameChange?.(value);
-    const parts = value.trim().split(/\s+/);
-    onFirstNameChange?.(parts[0] ?? "");
-    onLastNameChange?.(parts.length > 1 ? parts.slice(1).join(" ") : "");
-  }, [onFullNameChange, onFirstNameChange, onLastNameChange]);
   const applyInlineSessionPatch = (0, import_react9.useCallback)(
     (patch, method) => {
       if (!checkout.applyInlineSessionPatch) {
@@ -4169,8 +4311,8 @@ function SplitCardFormInner({
           accountData: {
             userId: effectiveAccount.userId ?? "",
             email: effectiveAccount.email ?? "",
-            firstName: effectiveAccount.firstName ?? fullName.trim().split(/\s+/)[0] ?? "",
-            lastName: effectiveAccount.lastName ?? fullName.trim().split(/\s+/).slice(1).join(" ") ?? "",
+            firstName: effectiveAccount.firstName ?? "",
+            lastName: effectiveAccount.lastName ?? "",
             ...avsConfig ? (() => {
               const c = selectedCountryRef.current;
               const stateVisible = (0, import_shared5.isAVSFieldVisible)(avsConfig.state, c);
@@ -4218,70 +4360,6 @@ function SplitCardFormInner({
           return;
         }
         const json = await response.json().catch(() => null);
-        if (json?.type === "3ds_required") {
-          const secret = json["threeDSecureToken"];
-          if (!flopay || !secret) {
-            setOverlayStatus("error");
-            updateError("3DS authentication required but no token provided.");
-            return;
-          }
-          setIs3DSActive(true);
-          try {
-            const retryBillingAddress = {};
-            const retryCC = selectedCountryRef.current;
-            const retryCountry = enableAVS ? retryCC : effectiveAccount.country;
-            if (retryCountry) retryBillingAddress["country"] = retryCountry;
-            if (avsConfig && (0, import_shared5.isAVSFieldVisible)(avsConfig.postal_code, retryCC) && zipCodeRef.current.trim()) {
-              retryBillingAddress["postal_code"] = zipCodeRef.current.trim();
-            } else if (!avsConfig && effectiveAccount.zip) {
-              retryBillingAddress["postal_code"] = effectiveAccount.zip;
-            }
-            if (avsConfig && (0, import_shared5.isAVSFieldVisible)(avsConfig.address_line_1, retryCC) && addressLine1Ref.current.trim()) retryBillingAddress["line1"] = addressLine1Ref.current.trim();
-            if (avsConfig && (0, import_shared5.isAVSFieldVisible)(avsConfig.address_line_2, retryCC) && addressLine2Ref.current.trim()) retryBillingAddress["line2"] = addressLine2Ref.current.trim();
-            if (avsConfig && (0, import_shared5.isAVSFieldVisible)(avsConfig.city, retryCC) && cityRef.current.trim()) retryBillingAddress["city"] = cityRef.current.trim();
-            if (avsConfig && (0, import_shared5.isAVSFieldVisible)(avsConfig.state, retryCC) && stateRef.current.trim()) {
-              retryBillingAddress["state"] = stateRef.current.trim();
-            } else if (avsConfig && (0, import_shared5.isAVSFieldVisible)(avsConfig.address_line_1, retryCC) && !(0, import_shared5.isAVSFieldVisible)(avsConfig.state, retryCC) && (0, import_shared5.isAVSFieldVisible)(avsConfig.postal_code, retryCC)) {
-              const derivedRetryState = (0, import_shared5.getStateFromPostalCode)(retryCC, zipCodeRef.current.trim());
-              if (derivedRetryState) retryBillingAddress["state"] = derivedRetryState;
-            }
-            const result = await flopay.confirmPayment({
-              clientSecret: secret,
-              returnUrl: window.location.href,
-              billingDetails: {
-                ...effectiveAccount.email ? { email: effectiveAccount.email } : {},
-                ...fullName.trim() ? { name: fullName.trim() } : {},
-                ...Object.keys(retryBillingAddress).length > 0 ? { address: retryBillingAddress } : {}
-              }
-            });
-            if (result.error) {
-              setOverlayStatus("error");
-              updateError(result.error.message);
-              onError?.(result.error);
-              emitDecline("card", result.error);
-              return;
-            }
-            if (result.status === "succeeded" || result.status === "processing") {
-              processingRef.current = false;
-              await processPaymentInternal({
-                id: result.paymentIntentId,
-                type: "card",
-                threeDSecureActionResultTokenId: result.paymentIntentId
-              }, {
-                // Preserve the session/nonce/account overrides resolved
-                // above so the retry talks to the same (possibly
-                // freshly bootstrapped) session as the original attempt.
-                accountPatch: overrides?.accountPatch,
-                sessionId: effectiveSessionId,
-                nonce: effectiveNonce,
-                completionPaymentMethodId: resolvedCompletionPaymentMethodId
-              });
-            }
-          } finally {
-            setIs3DSActive(false);
-          }
-          return;
-        }
         if (json?.type === "paypal_redirect_required") {
           const secret = json["threeDSecureToken"];
           const savedPmId = json["paymentMethodId"] || tokenizedBody.id || "";
@@ -4335,6 +4413,8 @@ function SplitCardFormInner({
             emitDecline("paypal", "paypal_direct_required retry limit exceeded");
             return;
           }
+          setDirectPaypalReady(false);
+          setDirectPaypalInitializationState("loading");
           setPaypalDirectRetry({ orderId, attempts: prevAttempts + 1 });
           setOverlayStatus(null);
           return;
@@ -4357,7 +4437,7 @@ function SplitCardFormInner({
         processingRef.current = false;
       }
     },
-    [baseUrl, sessionId, nonce, resolvedAccount, fullName, chv, flopay, paypalFlopay, onComplete, onError, updateError, emitDecline]
+    [baseUrl, sessionId, nonce, resolvedAccount, resolvedBillingName, chv, flopay, paypalFlopay, onComplete, onError, updateError, emitDecline]
   );
   const dispatchTokenizedBody = (0, import_react9.useCallback)(
     (tokenizedBody, overrides) => {
@@ -4369,33 +4449,6 @@ function SplitCardFormInner({
     },
     [onTokenizedBody, processPaymentInternal]
   );
-  (0, import_react9.useImperativeHandle)(innerRef, () => ({
-    async handleNextAction(secret) {
-      if (!flopay) return;
-      setIs3DSActive(true);
-      try {
-        const result = await flopay.confirmPayment({
-          clientSecret: secret,
-          returnUrl: window.location.href
-        });
-        if (result.error) {
-          updateError(result.error.message);
-          onError?.(result.error);
-          emitDecline("card", result.error);
-        } else if (result.status === "succeeded" || result.status === "processing") {
-          dispatchTokenizedBody({
-            id: result.paymentIntentId,
-            type: "card",
-            threeDSecureActionResultTokenId: result.paymentIntentId
-          });
-        }
-      } catch (err) {
-        updateError(err instanceof Error ? err.message : "Payment authentication failed.");
-      } finally {
-        setIs3DSActive(false);
-      }
-    }
-  }), [flopay, dispatchTokenizedBody, onError, updateError, emitDecline]);
   const stripeResumeAttemptedRef = (0, import_react9.useRef)(false);
   (0, import_react9.useEffect)(() => {
     if (typeof window === "undefined" || stripeResumeAttemptedRef.current) return;
@@ -4458,7 +4511,7 @@ function SplitCardFormInner({
         return;
       }
       const piStatus = paymentIntent?.status;
-      const successful = piStatus === "succeeded" || piStatus === "requires_capture" || piStatus === "processing";
+      const successful = isSuccessfulPaymentIntentStatus(piStatus);
       if (!paymentIntent || !successful) {
         const message = piStatus === "canceled" ? "Payment was canceled." : "Payment was not completed. Please try again.";
         updateError(message);
@@ -4475,165 +4528,10 @@ function SplitCardFormInner({
       }, persistedOverrides);
     })();
   }, [sessionId, dispatchTokenizedBody, flopay, updateError, emitDecline]);
-  const handleSubmit = (0, import_react9.useCallback)(
-    async (e) => {
-      e.preventDefault();
-      if (!flopay || !elements || isSubmitting || processingRef.current) return;
-      if (vaultActive) return;
-      if (layout !== "buttons") {
-        onButtonClick?.("card");
-      }
-      setProcessing(true);
-      setOverlayStatus("processing");
-      updateError(null);
-      let handedOff = false;
-      try {
-        if (avsConfig) {
-          const country = selectedCountryRef.current;
-          const postal = computePostalCodeState(
-            country,
-            zipCodeRef.current,
-            (0, import_shared5.isAVSFieldVisible)(avsConfig.postal_code, country)
-          );
-          if (postal.empty) {
-            setZipTouched(true);
-            updateError((0, import_shared5.getPostalCodeLabel)(country) + " is required");
-            return;
-          }
-          if (postal.malformed) {
-            setZipTouched(true);
-            updateError(malformedPostcodeMessage(country));
-            return;
-          }
-          if ((0, import_shared5.isAVSFieldVisible)(avsConfig.address_line_1, country) && !addressLine1Ref.current.trim()) {
-            updateError("Street address is required");
-            return;
-          }
-          if ((0, import_shared5.isAVSFieldVisible)(avsConfig.city, country) && !cityRef.current.trim()) {
-            updateError("City is required");
-            return;
-          }
-          if ((0, import_shared5.isAVSFieldVisible)(avsConfig.state, country) && !stateRef.current.trim()) {
-            updateError((0, import_shared5.getStateLabel)(country) + " is required");
-            return;
-          }
-        }
-        if (!vaultActive) {
-          const submitResult = await flopay.submitElements();
-          if (submitResult.error) {
-            updateError(submitResult.error.message);
-            onError?.(submitResult.error);
-            return;
-          }
-        }
-        const billingAddress = {};
-        const cc = selectedCountryRef.current;
-        const avsCountry = enableAVS ? cc : resolvedAccount.country;
-        if (avsCountry) billingAddress["country"] = avsCountry;
-        if (avsConfig && (0, import_shared5.isAVSFieldVisible)(avsConfig.postal_code, cc) && zipCodeRef.current.trim()) {
-          billingAddress["postal_code"] = zipCodeRef.current.trim();
-        } else if (!avsConfig && resolvedAccount.zip) {
-          billingAddress["postal_code"] = resolvedAccount.zip;
-        }
-        if (avsConfig && (0, import_shared5.isAVSFieldVisible)(avsConfig.address_line_1, cc) && addressLine1Ref.current.trim()) billingAddress["line1"] = addressLine1Ref.current.trim();
-        if (avsConfig && (0, import_shared5.isAVSFieldVisible)(avsConfig.address_line_2, cc) && addressLine2Ref.current.trim()) billingAddress["line2"] = addressLine2Ref.current.trim();
-        if (avsConfig && (0, import_shared5.isAVSFieldVisible)(avsConfig.city, cc) && cityRef.current.trim()) billingAddress["city"] = cityRef.current.trim();
-        if (avsConfig && (0, import_shared5.isAVSFieldVisible)(avsConfig.state, cc) && stateRef.current.trim()) {
-          billingAddress["state"] = stateRef.current.trim();
-        } else if (avsConfig && (0, import_shared5.isAVSFieldVisible)(avsConfig.address_line_1, cc) && !(0, import_shared5.isAVSFieldVisible)(avsConfig.state, cc) && (0, import_shared5.isAVSFieldVisible)(avsConfig.postal_code, cc)) {
-          const derivedSubmitState = (0, import_shared5.getStateFromPostalCode)(cc, zipCodeRef.current.trim());
-          if (derivedSubmitState) billingAddress["state"] = derivedSubmitState;
-        }
-        const billingDetails = {
-          ...resolvedAccount.email ? { email: resolvedAccount.email } : {},
-          ...fullName.trim() ? { name: fullName.trim() } : {},
-          ...Object.keys(billingAddress).length > 0 ? { address: billingAddress } : {}
-        };
-        if (!sessionId || !resolvedAccount.email) {
-          throw new import_shared6.FloPayError("Missing sessionId or email", "validation_error");
-        }
-        {
-          const pmResult = await flopay.createPaymentMethod(billingDetails);
-          if (pmResult.error || !pmResult.paymentMethodId) {
-            updateError(pmResult.error?.message ?? "Failed to create payment method.");
-            return;
-          }
-          const intentHeaders = { "Content-Type": "application/json" };
-          if (nonce) intentHeaders["x-checkout-session-token"] = nonce;
-          const intentResponse = await fetch(`${baseUrl}/v1/checkouts/payments/intents`, {
-            method: "POST",
-            headers: intentHeaders,
-            body: JSON.stringify({
-              sessionId,
-              email: resolvedAccount.email,
-              paymentMethodType: pmResult.paymentMethodId,
-              isPaypal: false
-            })
-          });
-          if (!intentResponse.ok) {
-            const intentError = await buildFloPayApiErrorFromResponse(
-              intentResponse,
-              "Failed to create payment intent"
-            );
-            setOverlayStatus("error");
-            updateError(intentError.message);
-            onError?.(intentError);
-            emitDecline("card", intentError);
-            await new Promise((r) => setTimeout(r, PROCESSING_OVERLAY_ERROR_DELAY_MS));
-            return;
-          }
-          const intentJson = await intentResponse.json();
-          const intentClientSecret = intentJson.data?.id;
-          if (!intentClientSecret) throw new import_shared6.FloPayError("No client_secret in payment intent response", "api_error");
-          const confirmResult = await flopay.confirmCardPayment({
-            clientSecret: intentClientSecret,
-            paymentMethodId: pmResult.paymentMethodId
-          });
-          if (confirmResult.error) {
-            setOverlayStatus("error");
-            updateError(confirmResult.error.message);
-            onError?.(confirmResult.error);
-            emitDecline("card", confirmResult.error);
-            await new Promise((r) => setTimeout(r, PROCESSING_OVERLAY_ERROR_DELAY_MS));
-            return;
-          }
-          const rawProvider = typeof flopay.getRawProvider === "function" ? flopay.getRawProvider() : null;
-          const confirmedPaymentIntent = await retrievePaymentIntentFromProvider(
-            rawProvider,
-            intentClientSecret
-          );
-          const paymentIntentId = confirmResult.paymentIntentId ?? confirmedPaymentIntent?.id;
-          const paymentMethodId = confirmResult.paymentMethodId ?? resolvePaymentIntentPaymentMethodId(confirmedPaymentIntent) ?? pmResult.paymentMethodId;
-          if (!paymentIntentId) {
-            const error2 = new import_shared6.FloPayError("No payment intent returned after confirmation.", "api_error");
-            setOverlayStatus("error");
-            updateError(error2.message);
-            onError?.(error2);
-            await new Promise((r) => setTimeout(r, PROCESSING_OVERLAY_ERROR_DELAY_MS));
-            return;
-          }
-          handedOff = isSelfContained;
-          dispatchTokenizedBody({
-            id: paymentMethodId,
-            type: "card",
-            threeDSecureActionResultTokenId: paymentIntentId,
-            originalPaymentMethodId: pmResult.paymentMethodId
-          });
-        }
-      } catch (err) {
-        setOverlayStatus("error");
-        updateError(err instanceof Error ? err.message : "An unexpected error occurred");
-        await new Promise((r) => setTimeout(r, PROCESSING_OVERLAY_ERROR_DELAY_MS));
-      } finally {
-        if (!handedOff) {
-          setProcessing(false);
-          setOverlayStatus(null);
-        }
-      }
-    },
-    [flopay, elements, isSubmitting, sessionId, nonce, resolvedAccount.email, baseUrl, isSelfContained, vaultActive, dispatchTokenizedBody, onButtonClick, onError, updateError, emitDecline, layout]
-  );
-  const isReady = flopay !== null && (vaultActive || elements !== null);
+  const handleSubmit = (0, import_react9.useCallback)((event) => {
+    event.preventDefault();
+  }, []);
+  const isReady = flopay !== null;
   if (!isReady) {
     return /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("div", { "data-testid": "flopay-loading", "aria-busy": "true", children: "Loading payment form..." });
   }
@@ -4676,21 +4574,6 @@ function SplitCardFormInner({
     "--flopay-input-font-family": resolvedInputFontFamily,
     "--flopay-input-font-weight": String(resolvedInputFontWeight)
   };
-  const stripeElementStyle = {
-    style: {
-      base: {
-        ...sharedInputTypography,
-        fontSmoothing: "antialiased",
-        "::placeholder": {
-          color: resolvedPlaceholderColor,
-          fontSize: resolvedInputFontSize,
-          fontFamily: resolvedInputFontFamily,
-          fontWeight: resolvedInputFontWeight
-        }
-      },
-      invalid: { color: "#ef4444" }
-    }
-  };
   const containerOverrides = bStyles.cardFormContainer ?? {};
   const containerPadding = containerOverrides.padding ?? (isButtons ? "0" : "1rem");
   const containerRadius = containerOverrides.borderRadius ?? resolvedBorderRadius;
@@ -4703,7 +4586,6 @@ function SplitCardFormInner({
       expectedOrigin: vaultMount.expectedOrigin,
       theme: vaultThemeColors,
       onReady: () => {
-        setFormReady(true);
         if (!avsConfig || typeof document === "undefined") return;
         const focusFirstAvs = () => {
           const block = document.querySelector('[data-testid="flopay-avs-fields"]');
@@ -4834,68 +4716,6 @@ function SplitCardFormInner({
       order: vaultActive ? -3 : 0,
       ...bStyles.title
     }, children: /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(TitleContentSlot, { content: cardTitleContent }) }),
-    !vaultActive && /* @__PURE__ */ (0, import_jsx_runtime7.jsxs)(import_jsx_runtime7.Fragment, { children: [
-      /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("div", { style: {
-        backgroundColor: cardInputBg,
-        border: `1px solid ${resolvedBorder}`,
-        borderTopLeftRadius: resolvedBorderRadius,
-        borderTopRightRadius: resolvedBorderRadius,
-        padding: "10px"
-      }, children: /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(CardNumberElement, { onReady: () => setFormReady(true), options: stripeElementStyle }) }),
-      /* @__PURE__ */ (0, import_jsx_runtime7.jsxs)("div", { style: { display: "flex" }, children: [
-        /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("div", { style: {
-          flex: 1,
-          backgroundColor: cardInputBg,
-          // Longhand only — mixing `border` shorthand with per-side
-          // overrides triggers React's "shorthand vs longhand" warning
-          // because render order isn't deterministic.
-          borderTop: "none",
-          borderRight: "none",
-          borderBottom: `1px solid ${resolvedBorder}`,
-          borderLeft: `1px solid ${resolvedBorder}`,
-          borderBottomLeftRadius: resolvedBorderRadius,
-          padding: "10px"
-        }, children: /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(CardExpiryElement, { options: stripeElementStyle }) }),
-        /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("div", { style: {
-          flex: 1,
-          backgroundColor: cardInputBg,
-          borderTop: "none",
-          borderRight: `1px solid ${resolvedBorder}`,
-          borderBottom: `1px solid ${resolvedBorder}`,
-          borderLeft: `1px solid ${resolvedBorder}`,
-          borderBottomRightRadius: resolvedBorderRadius,
-          padding: "10px"
-        }, children: /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(CardCvcElement, { options: stripeElementStyle }) })
-      ] })
-    ] }),
-    !vaultActive && /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("div", { style: {
-      backgroundColor: cardInputBg,
-      border: `1px solid ${resolvedBorder}`,
-      borderRadius: resolvedBorderRadius,
-      marginTop: "0.5rem",
-      padding: "10px"
-    }, children: /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(
-      "input",
-      {
-        className: "flopay-shared-input",
-        id: "flopay-cc-name",
-        name: "cc-name",
-        placeholder: "Full Name on Card",
-        autoComplete: "cc-name",
-        value: fullName,
-        onChange: (e) => handleNameChange(e.target.value),
-        disabled: isSubmitting,
-        required: true,
-        style: {
-          width: "100%",
-          border: "none",
-          outline: "none",
-          background: "transparent",
-          ...sharedInputTypography,
-          ...isButtons && bStyles.nameInput ? bStyles.nameInput : {}
-        }
-      }
-    ) }),
     avsConfig && /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("div", { style: { order: vaultActive ? -1 : 0 }, "data-testid": "flopay-avs-fields", children: (() => {
       const cc = selectedCountry;
       const inputWrapStyle = (invalid = false) => ({
@@ -5120,55 +4940,9 @@ function SplitCardFormInner({
         )
       ] });
     })() }),
-    vaultActive && cardPreFormSlot && /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("div", { style: { order: -2, width: "100%" }, children: cardPreFormSlot }),
-    vaultActive && vaultCardFieldsNode,
-    displayError && /* @__PURE__ */ (0, import_jsx_runtime7.jsxs)("div", { role: "alert", "data-testid": "flopay-error", style: {
-      margin: "0.75rem 0",
-      padding: "0.625rem 0.875rem",
-      background: "#FEF2F2",
-      border: "1px solid #FECACA",
-      borderRadius: "8px",
-      color: "#991B1B",
-      fontSize: "0.85rem",
-      fontWeight: 600,
-      display: "flex",
-      alignItems: "center",
-      gap: "0.5rem",
-      ...bStyles.errorBanner ? bStyles.errorBanner : {}
-    }, children: [
-      /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("svg", { width: "16", height: "16", viewBox: "0 0 24 24", fill: "none", style: { flexShrink: 0 }, children: /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("path", { d: "M12 9v4m0 4h.01M21 12a9 9 0 11-18 0 9 9 0 0118 0z", stroke: "#DC2626", strokeWidth: "2", strokeLinecap: "round", strokeLinejoin: "round" }) }),
-      displayError
-    ] }),
-    !vaultActive && (children ?? /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(
-      "button",
-      {
-        type: "submit",
-        disabled: !formReady || isSubmitting,
-        "data-testid": "flopay-submit",
-        onMouseEnter: (e) => {
-          if (formReady && !isSubmitting) e.currentTarget.style.backgroundColor = resolvedPrimaryHoverColor;
-        },
-        onMouseLeave: (e) => {
-          e.currentTarget.style.backgroundColor = bStyles.submitButton?.backgroundColor ?? resolvedPrimaryColor;
-        },
-        style: {
-          width: "100%",
-          padding: "0.875rem",
-          marginTop: "1rem",
-          backgroundColor: resolvedPrimaryColor,
-          color: "white",
-          border: "none",
-          borderRadius: resolvedBorderRadius,
-          fontSize: bStyles.submitButtonFontSize ?? "1rem",
-          fontWeight: 600,
-          cursor: !formReady || isSubmitting ? "not-allowed" : "pointer",
-          opacity: !formReady || isSubmitting ? 0.5 : 1,
-          transition: "background-color 0.15s",
-          ...bStyles.submitButton
-        },
-        children: isSubmitting ? "PROCESSING..." : submitLabel
-      }
-    ))
+    vaultActive && cardPreFormSlot && /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("div", { style: { order: -2, width: "100%" }, children: cardPreFormSlot }),
+    vaultActive && vaultCardFieldsNode,
+    displayError && /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(ErrorBanner, { margin: "0.75rem 0", styleOverride: bStyles.errorBanner, children: displayError })
   ] });
   const gateDebugStyle = {
     margin: 0,
@@ -5288,6 +5062,7 @@ function SplitCardFormInner({
                     runBeforeButtonClick,
                     isProcessing: isSubmitting,
                     onLoadStateChange: setDirectPaypalReady,
+                    onInitializationStateChange: setDirectPaypalInitializationState,
                     session: session ?? null,
                     existingOrderId: paypalDirectRetry?.orderId,
                     debug
@@ -5320,6 +5095,7 @@ function SplitCardFormInner({
                   nonce,
                   email: resolvedAccount.email,
                   billingApiUrl: resolvedBillingApiUrl,
+                  intentKind: totalAmount > 0 ? "payment" : "setup",
                   expressMethods: walletExpressMethods,
                   onTokenizedBody: dispatchTokenizedBody,
                   onErrorChange: updateError,
@@ -5363,7 +5139,7 @@ function SplitCardFormInner({
                   }
                 }
               ),
-              showStripe && /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(
+              vaultActive && /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(
                 "button",
                 {
                   type: "button",
@@ -5422,27 +5198,11 @@ function SplitCardFormInner({
                   children: /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(CardButtonContentSlot, { content: cardButtonContent })
                 }
               ),
-              displayError && viewState === "buttons" && /* @__PURE__ */ (0, import_jsx_runtime7.jsxs)("div", { role: "alert", "data-testid": "flopay-error", style: {
-                margin: "0.25rem 0",
-                padding: "0.625rem 0.875rem",
-                background: "#FEF2F2",
-                border: "1px solid #FECACA",
-                borderRadius: "8px",
-                color: "#991B1B",
-                fontSize: "0.85rem",
-                fontWeight: 600,
-                display: "flex",
-                alignItems: "center",
-                gap: "0.5rem",
-                ...bStyles.errorBanner ? bStyles.errorBanner : {}
-              }, children: [
-                /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("svg", { width: "16", height: "16", viewBox: "0 0 24 24", fill: "none", style: { flexShrink: 0 }, children: /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("path", { d: "M12 9v4m0 4h.01M21 12a9 9 0 11-18 0 9 9 0 0118 0z", stroke: "#DC2626", strokeWidth: "2", strokeLinecap: "round", strokeLinejoin: "round" }) }),
-                displayError
-              ] })
+              displayError && viewState === "buttons" && /* @__PURE__ */ (0, import_jsx_runtime7.jsx)(ErrorBanner, { margin: "0.25rem 0", styleOverride: bStyles.errorBanner, children: displayError })
             ]
           }
         ),
-        showStripe && isCardView && /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("div", { style: {
+        vaultActive && isCardView && /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("div", { style: {
           gridArea: "1 / 1",
           ...cardAnim ? { animation: cardAnim } : {},
           ...viewState === "collapsing" ? { pointerEvents: "none" } : {}
@@ -5686,6 +5446,7 @@ function SplitCardFormInner({
             runBeforeButtonClick,
             isProcessing: isSubmitting,
             onLoadStateChange: setDirectPaypalReady,
+            onInitializationStateChange: setDirectPaypalInitializationState,
             session: session ?? null,
             existingOrderId: paypalDirectRetry?.orderId,
             debug
@@ -5718,6 +5479,7 @@ function SplitCardFormInner({
           nonce,
           email: resolvedAccount.email,
           billingApiUrl: resolvedBillingApiUrl,
+          intentKind: totalAmount > 0 ? "payment" : "setup",
           expressMethods: walletExpressMethods,
           onTokenizedBody: dispatchTokenizedBody,
           onErrorChange: updateError,
@@ -5762,7 +5524,7 @@ function SplitCardFormInner({
         }
       )
     ] }),
-    showStripe && (shouldDisplayWalletRow || shouldDisplayPayPalRow || shouldDisplayPaymentElementRow) && /* @__PURE__ */ (0, import_jsx_runtime7.jsxs)("div", { style: {
+    vaultActive && (shouldDisplayWalletRow || shouldDisplayPayPalRow || shouldDisplayPaymentElementRow) && /* @__PURE__ */ (0, import_jsx_runtime7.jsxs)("div", { style: {
       display: "flex",
       alignItems: "center",
       gap: "0.75rem",
@@ -5774,7 +5536,7 @@ function SplitCardFormInner({
       /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("span", { children: "or pay with card" }),
       /* @__PURE__ */ (0, import_jsx_runtime7.jsx)("div", { style: { flex: 1, height: 1, backgroundColor: "#ddd" } })
     ] }),
-    showStripe && cardFormBlock
+    vaultActive && cardFormBlock
   ] });
 }
 
@@ -5802,6 +5564,9 @@ async function confirmResumeIntent(stripe, clientSecret, data, isSetupIntent) {
   const { paymentIntent, error } = await stripe.confirmCardPayment(clientSecret, data);
   return { error, intent: paymentIntent ?? null };
 }
+function withCheckoutMethod(error, checkoutMethod) {
+  return Object.assign(error, { checkoutMethod });
+}
 function getRedirectResultFromCheckoutProcessError(error) {
   if (!error?.type || !error.threeDSecureToken) {
     return null;
@@ -6023,7 +5788,7 @@ function checkoutProcessErrorToFloPayError(error, fallbackMessage = "Payment fai
   const checkoutMethod = options?.checkoutMethod ?? error?.checkoutMethod ?? (error?.type === "paypal_redirect_required" ? "paypal" : "card");
   const rawMessage = error?.message ?? fallbackMessage;
   const message = applyFriendlyMessageOverride(rawMessage) ?? rawMessage;
-  return Object.assign(
+  return withCheckoutMethod(
     new import_shared7.FloPayError(
       message,
       "api_error",
@@ -6031,7 +5796,7 @@ function checkoutProcessErrorToFloPayError(error, fallbackMessage = "Payment fai
         code: error?.gatewayErrorCode
       }
     ),
-    { checkoutMethod }
+    checkoutMethod
   );
 }
 function resolveSavedPaymentReturnUrl(session) {
@@ -6203,13 +5968,13 @@ async function processSavedPaymentForMode({
     if (recoveredRedirect) {
       return recoveredRedirect;
     }
-    throw Object.assign(
+    throw withCheckoutMethod(
       new import_shared7.FloPayError(
         "Your card requires authentication. Please enter your payment details below.",
         "api_error",
         { code: "authentication_required" }
       ),
-      { checkoutMethod: "card" }
+      "card"
     );
   }
   throw new import_shared7.FloPayError(
@@ -6237,13 +6002,13 @@ async function handleSavedPaymentRedirectResult(redirectResult, {
   }
   if (redirectResult.type === "3ds_required") {
     if (!attempt3DS || !redirectResult.threeDSecureToken) {
-      throw Object.assign(
+      throw withCheckoutMethod(
         new import_shared7.FloPayError(
           "Your card requires authentication. Please enter your payment details below.",
           "api_error",
           { code: "authentication_required" }
         ),
-        { checkoutMethod: "card" }
+        "card"
       );
     }
     const isSetupIntent = (0, import_shared7.isSetupIntentClientSecret)(redirectResult.threeDSecureToken);
@@ -6252,13 +6017,13 @@ async function handleSavedPaymentRedirectResult(redirectResult, {
     const retrieved = await retrieveResumeIntent(stripe, redirectResult.threeDSecureToken, isSetupIntent);
     if (retrieved) {
       if (retrieved.error) {
-        throw Object.assign(
+        throw withCheckoutMethod(
           new import_shared7.FloPayError(
             retrieved.error.message ?? `Failed to retrieve 3DS ${isSetupIntent ? "setup" : "payment"} status.`,
             "api_error",
             { code: retrieved.error.code }
           ),
-          { checkoutMethod: "card" }
+          "card"
         );
       }
       const existingIntent = retrieved.intent;
@@ -6281,13 +6046,13 @@ async function handleSavedPaymentRedirectResult(redirectResult, {
     ) : null;
     if (confirmed) {
       if (confirmed.error) {
-        throw Object.assign(
+        throw withCheckoutMethod(
           new import_shared7.FloPayError(
             confirmed.error.message ?? "3DS authentication failed.",
             "api_error",
             { code: confirmed.error.code }
           ),
-          { checkoutMethod: "card" }
+          "card"
         );
       }
       paymentIntent = confirmed.intent;
@@ -6296,13 +6061,13 @@ async function handleSavedPaymentRedirectResult(redirectResult, {
         clientSecret: redirectResult.threeDSecureToken
       });
       if (nextAction.error) {
-        throw Object.assign(
+        throw withCheckoutMethod(
           new import_shared7.FloPayError(
             nextAction.error.message ?? "3DS authentication failed.",
             "api_error",
             { code: nextAction.error.code }
           ),
-          { checkoutMethod: "card" }
+          "card"
         );
       }
       paymentIntent = (isSetupIntent ? nextAction.setupIntent : nextAction.paymentIntent) ?? null;
@@ -6338,17 +6103,17 @@ async function handleSavedPaymentRedirectResult(redirectResult, {
         telemetry
       });
     }
-    throw Object.assign(
+    throw withCheckoutMethod(
       new import_shared7.FloPayError("3DS authentication did not complete successfully.", "api_error"),
-      { checkoutMethod: "card" }
+      "card"
     );
   }
   if (redirectResult.type === "paypal_redirect_required") {
     const paypalStripe = (paypalFlopay ?? flopay)?.getRawProvider();
     if (!paypalStripe) {
-      throw Object.assign(
+      throw withCheckoutMethod(
         new import_shared7.FloPayError("PayPal is not available.", "api_error"),
-        { checkoutMethod: "paypal" }
+        "paypal"
       );
     }
     if (redirectResult.paymentMethodId) {
@@ -6356,13 +6121,13 @@ async function handleSavedPaymentRedirectResult(redirectResult, {
         clientSecret: redirectResult.threeDSecureToken
       });
       if (error2) {
-        throw Object.assign(
+        throw withCheckoutMethod(
           new import_shared7.FloPayError(
             error2.message ?? "PayPal authorization failed.",
             "api_error",
             { code: error2.code }
           ),
-          { checkoutMethod: "paypal" }
+          "paypal"
         );
       }
       return {
@@ -6379,13 +6144,13 @@ async function handleSavedPaymentRedirectResult(redirectResult, {
       redirect: "if_required"
     });
     if (error) {
-      throw Object.assign(
+      throw withCheckoutMethod(
         new import_shared7.FloPayError(
           error.message ?? "PayPal authorization failed.",
           "api_error",
           { code: error.code }
         ),
-        { checkoutMethod: "paypal" }
+        "paypal"
       );
     }
     return {
@@ -6616,7 +6381,6 @@ function FloPayCheckout({
   onComplete,
   onError,
   onDecline,
-  onFullNameChange,
   onCountryChange,
   onZipChange,
   showPayPal = true,
@@ -6638,7 +6402,6 @@ function FloPayCheckout({
   cardFieldOrder,
   cardPreFormSlot,
   avsLayout,
-  submitLabel,
   className,
   initialErrorMessage = null,
   children,
@@ -6671,8 +6434,11 @@ function FloPayCheckout({
   const [createSessionPatch, setCreateSessionPatch] = (0, import_react10.useState)(void 0);
   const [createSessionPatchBaseHash, setCreateSessionPatchBaseHash] = (0, import_react10.useState)("");
   const [cardBootstrapPending, setCardBootstrapPending] = (0, import_react10.useState)(false);
+  const [paypalInitializationState, setPaypalInitializationState] = (0, import_react10.useState)("loading");
+  const [paypalManualRetryGeneration, setPaypalManualRetryGeneration] = (0, import_react10.useState)(0);
   const autoCheckoutAttempted = (0, import_react10.useRef)(false);
   const paypalResumeAttempted = (0, import_react10.useRef)(false);
+  const paypalInitializationErrorEmittedRef = (0, import_react10.useRef)(false);
   const savedPaymentKeysRef = (0, import_react10.useRef)(null);
   const telemetryCheckoutContext = (0, import_react10.useMemo)(() => ({
     checkoutMode: checkoutModeProp ?? currentMode,
@@ -6692,6 +6458,28 @@ function FloPayCheckout({
   }, [flopay, paypalFlopay, telemetryCheckoutContext]);
   const onSessionCompletedRef = (0, import_react10.useRef)(onSessionCompleted);
   onSessionCompletedRef.current = onSessionCompleted;
+  const handlePayPalInitializationStateChange = (0, import_react10.useCallback)(
+    (state) => {
+      setPaypalInitializationState(state);
+      if (state !== "exhausted" || paypalInitializationErrorEmittedRef.current) return;
+      paypalInitializationErrorEmittedRef.current = true;
+      onErrorRef.current?.(new import_shared8.FloPayError(
+        "PayPal is temporarily unavailable. Please try again.",
+        "api_error",
+        { code: "paypal_init_timeout" }
+      ));
+    },
+    []
+  );
+  const retryPayPalInitialization = (0, import_react10.useCallback)(() => {
+    setPaypalInitializationState("retrying");
+    setPaypalManualRetryGeneration((generation) => generation + 1);
+  }, []);
+  (0, import_react10.useEffect)(() => {
+    setPaypalInitializationState("loading");
+    setPaypalManualRetryGeneration(0);
+    paypalInitializationErrorEmittedRef.current = false;
+  }, [activeSessionId]);
   (0, import_react10.useEffect)(() => {
     console.info("[FloPay] Checkout initialized", {
       sdk_version: import_shared8.SDK_VERSION,
@@ -7775,42 +7563,41 @@ function FloPayCheckout({
   if (isPaypalOnlySession && session && directPaypalConfig) {
     return /* @__PURE__ */ (0, import_jsx_runtime8.jsxs)(import_jsx_runtime8.Fragment, { children: [
       /* @__PURE__ */ (0, import_jsx_runtime8.jsx)(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ (0, import_jsx_runtime8.jsxs)("div", { className, style: { display: "flex", flexDirection: "column", gap: "0.5rem" }, children: [
-        modeError && /* @__PURE__ */ (0, import_jsx_runtime8.jsx)(
+        modeError && /* @__PURE__ */ (0, import_jsx_runtime8.jsx)(ErrorBanner, { icon: false, children: modeError }),
+        paypalInitializationState === "retrying" && /* @__PURE__ */ (0, import_jsx_runtime8.jsx)("div", { role: "status", "aria-live": "polite", children: "PayPal is temporarily unavailable. Retrying\u2026" }),
+        paypalInitializationState === "exhausted" && /* @__PURE__ */ (0, import_jsx_runtime8.jsxs)("div", { role: "alert", children: [
+          /* @__PURE__ */ (0, import_jsx_runtime8.jsx)("div", { children: "PayPal is temporarily unavailable. Please try again." }),
+          /* @__PURE__ */ (0, import_jsx_runtime8.jsx)("button", { type: "button", onClick: retryPayPalInitialization, children: "Retry PayPal" })
+        ] }),
+        paypalInitializationState !== "exhausted" && /* @__PURE__ */ (0, import_jsx_runtime8.jsx)(
           "div",
           {
-            role: "alert",
-            "data-testid": "flopay-error",
-            style: {
-              padding: "0.625rem 0.875rem",
-              background: "#FEF2F2",
-              border: "1px solid #FECACA",
-              borderRadius: "8px",
-              color: "#991B1B",
-              fontSize: "0.85rem",
-              fontWeight: 600
-            },
-            children: modeError
-          }
-        ),
-        /* @__PURE__ */ (0, import_jsx_runtime8.jsx)(
-          InstrumentedDirectPayPalButton,
-          {
-            sessionId: activeSessionId,
-            nonce: session.clientSecret || void 0,
-            billingApiUrl: resolvedBillingUrl,
-            email: session.customer?.email,
-            clientId: directPaypalConfig.clientId,
-            environment: directPaypalConfig.environment,
-            currency: (session.currency ?? "usd").toUpperCase(),
-            isSubscription: session.mode === "subscription",
-            onComplete,
-            onErrorChange: setModeError,
-            onDecline,
-            onButtonClick,
-            session,
-            telemetry,
-            telemetryContext: telemetryCheckoutContext,
-            debug
+            "aria-hidden": paypalInitializationState === "retrying" ? true : void 0,
+            style: paypalInitializationState === "retrying" ? { position: "relative", height: 0, opacity: 0, pointerEvents: "none" } : void 0,
+            children: /* @__PURE__ */ (0, import_jsx_runtime8.jsx)(
+              InstrumentedDirectPayPalButton,
+              {
+                sessionId: activeSessionId,
+                nonce: session.clientSecret || void 0,
+                billingApiUrl: resolvedBillingUrl,
+                email: session.customer?.email,
+                clientId: directPaypalConfig.clientId,
+                environment: directPaypalConfig.environment,
+                currency: (session.currency ?? "usd").toUpperCase(),
+                isSubscription: session.mode === "subscription",
+                onComplete,
+                onErrorChange: setModeError,
+                onDecline,
+                onButtonClick,
+                onInitializationStateChange: handlePayPalInitializationStateChange,
+                allowAutomaticRetry: paypalManualRetryGeneration === 0,
+                session,
+                telemetry,
+                telemetryContext: telemetryCheckoutContext,
+                debug
+              },
+              `paypal-init-${paypalManualRetryGeneration}`
+            )
           }
         )
       ] }) }),
@@ -7906,7 +7693,6 @@ function FloPayCheckout({
         onDecline,
         error: modeError,
         onErrorChange: setModeError,
-        onFullNameChange,
         showPayPal,
         showStripe,
         enabledPaymentMethods: unified?.data.stripe?.enabledPaymentMethods,
@@ -7935,7 +7721,6 @@ function FloPayCheckout({
         avsCheck: !!enableAVS,
         checkoutType: createSessionParams ? "embedded_checkout" : "standard_checkout",
         checkoutLayout: children ? "custom_layout" : layout === "buttons" ? "buttons_layout" : "default_layout",
-        submitLabel,
         className,
         directPaypal: resolveDirectPaypalConfig(unified),
         isSubscription: session?.mode === "subscription",
@@ -7974,10 +7759,6 @@ function SessionInjector({
 }
 function InterimButtonsView({
   onButtonClick,
-  onCardButtonClick,
-  cardLoading = false,
-  cardOpen,
-  errorMessage,
   showPayPal,
   showStripe = true,
   showApplePay,
@@ -7990,12 +7771,6 @@ function InterimButtonsView({
   cardTitleContent
 }) {
   const [showCardForm, setShowCardForm] = (0, import_react10.useState)(false);
-  const isCardOpenControlled = typeof cardOpen === "boolean";
-  (0, import_react10.useEffect)(() => {
-    if (isCardOpenControlled) {
-      setShowCardForm(cardOpen);
-    }
-  }, [cardOpen, isCardOpenControlled]);
   const themeBundle = (0, import_react10.useMemo)(() => (0, import_shared8.resolveTheme)(theme), [theme]);
   const bStyles = (0, import_react10.useMemo)(() => {
     const base = themeBundle?.buttonsLayout ?? (0, import_shared8.resolveButtonsLayoutTheme)(buttonsTheme);
@@ -8036,13 +7811,8 @@ function InterimButtonsView({
           "button",
           {
             type: "button",
-            onClick: () => {
-              if (!isCardOpenControlled) {
-                setShowCardForm(false);
-              }
-            },
+            onClick: () => setShowCardForm(false),
             "aria-label": "Back to payment methods",
-            disabled: isCardOpenControlled || cardLoading,
             style: {
               display: "inline-flex",
               alignItems: "center",
@@ -8054,8 +7824,8 @@ function InterimButtonsView({
               fontWeight: 500,
               padding: 0,
               flexShrink: 0,
-              opacity: isCardOpenControlled || cardLoading ? 0.6 : 1,
-              cursor: isCardOpenControlled || cardLoading ? "not-allowed" : "pointer",
+              opacity: 1,
+              cursor: "pointer",
               ...bStyles.backButton
             },
             children: [
@@ -8135,16 +7905,10 @@ function InterimButtonsView({
       "button",
       {
         type: "button",
-        onClick: async () => {
-          if (cardLoading) return;
-          if (onCardButtonClick) {
-            await onCardButtonClick();
-            return;
-          }
+        onClick: () => {
           onButtonClick?.("card");
           setShowCardForm(true);
         },
-        disabled: cardLoading,
         style: {
           width: "100%",
           ...cardButtonSizing,
@@ -8154,7 +7918,7 @@ function InterimButtonsView({
           borderRadius: "8px",
           fontSize: bStyles.cardButtonFontSize ?? "0.95rem",
           fontWeight: 600,
-          cursor: cardLoading ? "not-allowed" : "pointer",
+          cursor: "pointer",
           display: "flex",
           alignItems: "center",
           justifyContent: "center",
@@ -8162,7 +7926,7 @@ function InterimButtonsView({
           boxShadow: "0 1px 2px rgba(0,0,0,0.04)",
           transition: "transform 0.1s",
           position: "relative",
-          opacity: cardLoading ? 0.6 : 1,
+          opacity: 1,
           ...bStyles.cardButton
         },
         onMouseDown: (e) => {
@@ -8174,375 +7938,75 @@ function InterimButtonsView({
         children: /* @__PURE__ */ (0, import_jsx_runtime8.jsx)(CardButtonContentSlot, { content: cardButtonContent })
       }
     ),
-    errorMessage && /* @__PURE__ */ (0, import_jsx_runtime8.jsxs)("div", { style: {
-      margin: "0.25rem 0",
-      padding: "0.625rem 0.875rem",
-      background: "#FEF2F2",
-      border: "1px solid #FECACA",
-      borderRadius: "8px",
-      color: "#991B1B",
-      fontSize: "0.85rem",
-      fontWeight: 600,
-      display: "flex",
-      alignItems: "center",
-      gap: "0.5rem",
-      ...bStyles.errorBanner
-    }, children: [
-      /* @__PURE__ */ (0, import_jsx_runtime8.jsx)("svg", { width: "16", height: "16", viewBox: "0 0 24 24", fill: "none", style: { flexShrink: 0 }, children: /* @__PURE__ */ (0, import_jsx_runtime8.jsx)("path", { d: "M12 9v4m0 4h.01M21 12a9 9 0 11-18 0 9 9 0 0118 0z", stroke: "#DC2626", strokeWidth: "2", strokeLinecap: "round", strokeLinejoin: "round" }) }),
-      errorMessage
-    ] }),
     /* @__PURE__ */ (0, import_jsx_runtime8.jsx)("style", { children: `@keyframes flopay-interim-pulse { 0%,100% { opacity: 1; } 50% { opacity: 0.4; } }` })
   ] });
 }
 
-// src/checkout-form.tsx
-var import_js5 = require("@flopay/js");
-var import_shared9 = require("@flopay/shared");
+// src/elements.tsx
 var import_react11 = require("react");
 var import_jsx_runtime9 = require("react/jsx-runtime");
-var WALLET_RESUME_KEY = "flopay_wallet_resume";
-var CheckoutForm = (0, import_react11.forwardRef)(
-  function CheckoutForm2(props, ref) {
-    return /* @__PURE__ */ (0, import_jsx_runtime9.jsx)(CheckoutFormInner, { ...props, innerRef: ref });
-  }
-);
-function CheckoutFormInner({
-  sessionId,
-  nonce,
-  billingApiUrl,
-  email,
-  userId,
-  onComplete,
-  onError,
-  onDecline,
-  onTokenizedBody,
-  layout = "auto",
-  submitLabel = "Pay",
-  showAddress = false,
-  className,
-  children,
-  firstName,
-  lastName,
-  chv,
-  isProcessing: externalProcessing,
-  error: externalError,
-  onErrorChange,
-  innerRef
-}) {
-  const flopay = useFloPay();
-  const paypalFlopay = usePayPalFloPay();
-  const elements = useElements();
-  const contextBillingUrl = useBillingApiUrl();
-  const [processing, setProcessing] = (0, import_react11.useState)(false);
-  const [error, setError] = (0, import_react11.useState)(null);
-  const [is3DSActive, setIs3DSActive] = (0, import_react11.useState)(false);
-  const displayError = externalError ?? error;
-  const isSubmitting = externalProcessing ?? processing;
-  const isSelfContained = !onTokenizedBody;
-  const baseUrl = (billingApiUrl || contextBillingUrl).replace(/\/+$/, "");
-  const updateError = (0, import_react11.useCallback)(
-    (err) => {
-      setError(err);
-      onErrorChange?.(err);
-    },
-    [onErrorChange]
-  );
-  const emitDecline = (0, import_react11.useCallback)(
-    (input, overrides) => {
-      onDecline?.(buildDeclineEvent("card", input, overrides));
-    },
-    [onDecline]
-  );
-  const processPaymentInternal = (0, import_react11.useCallback)(
-    async (tokenizedBody, completionPaymentMethodId) => {
-      setProcessing(true);
-      updateError(null);
-      const resolvedCompletionPaymentMethodId = completionPaymentMethodId ?? resolveTokenizedPaymentMethodId(tokenizedBody);
-      const requestTokenizedBody = tokenizedBody.originalPaymentMethodId ? { ...tokenizedBody, originalPaymentMethodId: void 0 } : tokenizedBody;
-      try {
-        const api = new import_js5.PaymentAPI(baseUrl);
-        const response = await api.processPayment(userId ?? "", {
-          sessionId,
-          nonce,
-          tokenizedData: requestTokenizedBody,
-          accountData: {
-            userId: userId ?? "",
-            email: email ?? "",
-            firstName: firstName ?? "",
-            lastName: lastName ?? ""
-          },
-          chv
-        });
-        if (response.ok) {
-          onComplete?.({
-            status: "succeeded",
-            paymentIntentId: tokenizedBody.threeDSecureActionResultTokenId,
-            paymentMethodId: resolvedCompletionPaymentMethodId,
-            checkoutMethod: tokenizedBody.isPaypal ? "paypal" : "card"
-          });
-          return;
-        }
-        const json = await response.json().catch(() => null);
-        if (json?.type === "3ds_required") {
-          const secret = json["threeDSecureToken"];
-          if (!flopay || !secret) {
-            updateError("3DS authentication required but no token provided.");
-            return;
-          }
-          setIs3DSActive(true);
-          try {
-            const retryFullName = `${firstName ?? ""} ${lastName ?? ""}`.trim();
-            const result = await flopay.confirmPayment({
-              clientSecret: secret,
-              returnUrl: window.location.href,
-              billingDetails: {
-                ...email ? { email } : {},
-                ...retryFullName ? { name: retryFullName } : {}
-              }
-            });
-            if (result.error) {
-              updateError(result.error.message);
-              onError?.(result.error);
-              emitDecline(result.error);
-              return;
-            }
-            if (result.status === "succeeded" || result.status === "processing") {
-              await processPaymentInternal({
-                id: result.paymentIntentId,
-                type: "card",
-                threeDSecureActionResultTokenId: result.paymentIntentId
-              }, resolvedCompletionPaymentMethodId);
-            }
-          } finally {
-            setIs3DSActive(false);
-          }
-          return;
-        }
-        if (json?.type === "paypal_redirect_required") {
-          const secret = json["threeDSecureToken"] ?? json["clientSecret"];
-          const pmId = json["paymentMethodId"];
-          const paypalStripe = (paypalFlopay ?? flopay)?.getRawProvider();
-          if (!paypalStripe || !secret) {
-            const message = "PayPal is not available.";
-            updateError(message);
-            onDecline?.(buildDeclineEvent("paypal", message));
-            return;
-          }
-          localStorage.setItem(WALLET_RESUME_KEY, JSON.stringify({
-            sessionId,
-            paymentIntentId: "",
-            tokenType: "card",
-            tokenId: pmId ?? "",
-            status: "pending_redirect"
-          }));
-          const confirmParams = {
-            return_url: window.location.href
-          };
-          if (pmId) confirmParams["payment_method"] = pmId;
-          const { error: confirmError } = await paypalStripe.confirmPayment({
-            clientSecret: secret,
-            confirmParams,
-            redirect: "if_required"
-          });
-          if (confirmError) {
-            const message = confirmError.message ?? "PayPal payment failed.";
-            updateError(message);
-            onDecline?.(buildDeclineEvent("paypal", message, { code: confirmError.code }));
-          }
-          return;
-        }
-        const errorMessage = json?.message ?? "Payment failed. Please try again.";
-        updateError(errorMessage);
-        emitDecline(errorMessage, {
-          code: json?.code,
-          declineCode: json?.declineCode ?? json?.gatewayDeclineReason
-        });
-      } catch (err) {
-        updateError(err instanceof Error ? err.message : "An unexpected error occurred");
-      } finally {
-        setProcessing(false);
-      }
-    },
-    [baseUrl, sessionId, nonce, userId, email, firstName, lastName, chv, flopay, paypalFlopay, onComplete, onError, onDecline, updateError, emitDecline]
-  );
-  const dispatchTokenizedBody = (0, import_react11.useCallback)(
-    (tokenizedBody) => {
-      if (onTokenizedBody) {
-        onTokenizedBody(tokenizedBody);
-      } else {
-        processPaymentInternal(tokenizedBody);
-      }
-    },
-    [onTokenizedBody, processPaymentInternal]
-  );
-  (0, import_react11.useImperativeHandle)(innerRef, () => ({
-    async handleNextAction(secret) {
-      if (!flopay) return;
-      setIs3DSActive(true);
-      try {
-        const result = await flopay.confirmPayment({
-          clientSecret: secret,
-          returnUrl: window.location.href
-        });
-        if (result.error) {
-          updateError(result.error.message);
-          onError?.(result.error);
-          emitDecline(result.error);
-        } else if (result.status === "succeeded" || result.status === "processing") {
-          dispatchTokenizedBody({
-            id: result.paymentIntentId,
-            type: "card",
-            threeDSecureActionResultTokenId: result.paymentIntentId
-          });
-        }
-      } catch (err) {
-        updateError(err instanceof Error ? err.message : "Payment authentication failed.");
-      } finally {
-        setIs3DSActive(false);
-      }
-    }
-  }), [flopay, dispatchTokenizedBody, onError, updateError, emitDecline]);
-  (0, import_react11.useEffect)(() => {
-    if (typeof window === "undefined") return;
-    const stored = localStorage.getItem(WALLET_RESUME_KEY);
-    if (!stored) return;
-    try {
-      const payload = JSON.parse(stored);
-      if (payload.sessionId === sessionId) {
-        localStorage.removeItem(WALLET_RESUME_KEY);
-        dispatchTokenizedBody({
-          id: payload.tokenId,
-          type: payload.tokenType,
-          threeDSecureActionResultTokenId: payload.paymentIntentId
-        });
-      }
-    } catch {
-      localStorage.removeItem(WALLET_RESUME_KEY);
-    }
-  }, [sessionId, dispatchTokenizedBody]);
-  const handleSubmit = (0, import_react11.useCallback)(
-    async (e) => {
-      e.preventDefault();
-      if (!flopay || !elements || isSubmitting) return;
-      setProcessing(true);
-      updateError(null);
-      let handedOff = false;
-      try {
-        const submitResult = await flopay.submitElements();
-        if (submitResult.error) {
-          updateError(submitResult.error.message);
-          onError?.(submitResult.error);
-          return;
-        }
-        const fullName = `${firstName ?? ""} ${lastName ?? ""}`.trim();
-        const pmResult = await flopay.createPaymentMethod({
-          ...email ? { email } : {},
-          ...fullName ? { name: fullName } : {}
-        });
-        if (pmResult.error || !pmResult.paymentMethodId) {
-          updateError(pmResult.error?.message ?? "Failed to create payment method.");
-          return;
-        }
-        if (!sessionId || !email) {
-          throw new import_shared9.FloPayError("Missing sessionId or email", "validation_error");
-        }
-        const intentHeaders = { "Content-Type": "application/json" };
-        if (nonce) intentHeaders["x-checkout-session-token"] = nonce;
-        const intentResponse = await fetch(`${baseUrl}/v1/checkouts/payments/intents`, {
-          method: "POST",
-          headers: intentHeaders,
-          body: JSON.stringify({
-            sessionId,
-            email,
-            paymentMethodType: pmResult.paymentMethodId,
-            isPaypal: false
-          })
-        });
-        if (!intentResponse.ok) {
-          const intentError = await buildFloPayApiErrorFromResponse(
-            intentResponse,
-            "Failed to create payment intent"
-          );
-          updateError(intentError.message);
-          onError?.(intentError);
-          emitDecline(intentError);
-          return;
-        }
-        const intentJson = await intentResponse.json();
-        const intentClientSecret = intentJson.data?.id;
-        if (!intentClientSecret) throw new import_shared9.FloPayError("No client_secret in payment intent response", "api_error");
-        const confirmResult = await flopay.confirmCardPayment({
-          clientSecret: intentClientSecret,
-          paymentMethodId: pmResult.paymentMethodId
-        });
-        if (confirmResult.error) {
-          updateError(confirmResult.error.message);
-          onError?.(confirmResult.error);
-          emitDecline(confirmResult.error);
-          return;
+function createElementComponent(elementType, displayName) {
+  function ElementComponent({
+    className,
+    id,
+    style,
+    options,
+    onChange,
+    onReady,
+    onFocus,
+    onBlur,
+    onEscape
+  }) {
+    const containerRef = (0, import_react11.useRef)(null);
+    const elementRef = (0, import_react11.useRef)(null);
+    const { elements, reportInteractive } = (0, import_react11.useContext)(FloPayContext);
+    (0, import_react11.useEffect)(() => {
+      if (!elements || !containerRef.current) return;
+      let mounted = true;
+      (async () => {
+        let element = elements.getElement(elementType);
+        if (!element) {
+          element = await elements.create(elementType, options);
         }
-        const rawProvider = typeof flopay.getRawProvider === "function" ? flopay.getRawProvider() : null;
-        const confirmedPaymentIntent = await retrievePaymentIntentFromProvider(
-          rawProvider,
-          intentClientSecret
-        );
-        const paymentIntentId = confirmResult.paymentIntentId ?? confirmedPaymentIntent?.id;
-        const paymentMethodId = confirmResult.paymentMethodId ?? resolvePaymentIntentPaymentMethodId(confirmedPaymentIntent) ?? pmResult.paymentMethodId;
-        if (!paymentIntentId) {
-          const error2 = new import_shared9.FloPayError("No payment intent returned after confirmation.", "api_error");
-          updateError(error2.message);
-          onError?.(error2);
+        if (!mounted || !containerRef.current) {
           return;
         }
-        handedOff = isSelfContained;
-        dispatchTokenizedBody({
-          id: paymentMethodId,
-          type: "card",
-          threeDSecureActionResultTokenId: paymentIntentId,
-          originalPaymentMethodId: pmResult.paymentMethodId
+        element.mount(containerRef.current);
+        elementRef.current = element;
+        if (onChange) element.on("change", onChange);
+        element.on("ready", () => {
+          reportInteractive?.();
+          onReady?.();
         });
-      } catch (err) {
-        updateError(err instanceof Error ? err.message : "An unexpected error occurred");
-      } finally {
-        if (!handedOff) {
-          setProcessing(false);
-        }
-      }
-    },
-    [flopay, elements, isSubmitting, sessionId, nonce, email, firstName, lastName, baseUrl, isSelfContained, dispatchTokenizedBody, onError, updateError, emitDecline]
-  );
-  const isReady = flopay !== null && elements !== null;
-  return /* @__PURE__ */ (0, import_jsx_runtime9.jsxs)("form", { onSubmit: handleSubmit, className, style: { position: "relative" }, children: [
-    (is3DSActive || isSubmitting) && /* @__PURE__ */ (0, import_jsx_runtime9.jsx)("div", { "data-testid": "flopay-overlay", style: {
-      position: "absolute",
-      inset: 0,
-      background: "rgba(255,255,255,0.7)",
-      display: "flex",
-      alignItems: "center",
-      justifyContent: "center",
-      zIndex: 10
-    }, children: is3DSActive ? "Verifying payment..." : "Processing..." }),
-    !isReady && /* @__PURE__ */ (0, import_jsx_runtime9.jsx)("div", { "data-testid": "flopay-loading", "aria-busy": "true", children: "Loading payment form..." }),
-    isReady && /* @__PURE__ */ (0, import_jsx_runtime9.jsxs)(import_jsx_runtime9.Fragment, { children: [
-      /* @__PURE__ */ (0, import_jsx_runtime9.jsx)(PaymentElement, { options: { layout } }),
-      showAddress && /* @__PURE__ */ (0, import_jsx_runtime9.jsx)(AddressElement, { options: { mode: showAddress === true ? "billing" : showAddress } }),
-      displayError && /* @__PURE__ */ (0, import_jsx_runtime9.jsx)("div", { role: "alert", "data-testid": "flopay-error", style: { color: "red", margin: "0.75rem 0" }, children: displayError }),
-      children ?? /* @__PURE__ */ (0, import_jsx_runtime9.jsx)(
-        "button",
-        {
-          type: "submit",
-          disabled: isSubmitting || !isReady,
-          "data-testid": "flopay-submit",
-          children: isSubmitting ? "Processing..." : submitLabel
+        if (onFocus) element.on("focus", onFocus);
+        if (onBlur) element.on("blur", onBlur);
+        if (onEscape) element.on("escape", onEscape);
+      })();
+      return () => {
+        mounted = false;
+        if (elementRef.current) {
+          try {
+            elementRef.current.unmount();
+          } catch {
+          }
+          elementRef.current = null;
         }
-      )
-    ] })
-  ] });
+      };
+    }, [elements, reportInteractive]);
+    return /* @__PURE__ */ (0, import_jsx_runtime9.jsx)("div", { ref: containerRef, className, id, style });
+  }
+  ElementComponent.displayName = displayName;
+  return ElementComponent;
 }
+var PaymentElement2 = createElementComponent(
+  "payment",
+  "PaymentElement"
+);
+var AddressElement = createElementComponent("address", "AddressElement");
 
 // src/paypal-button.tsx
-var import_js6 = require("@flopay/js");
-var import_shared10 = require("@flopay/shared");
+var import_js5 = require("@flopay/js");
+var import_shared9 = require("@flopay/shared");
 var import_react12 = require("react");
 var import_jsx_runtime10 = require("react/jsx-runtime");
 function PayPalButton({
@@ -8569,7 +8033,7 @@ function PayPalButton({
   const processPaymentInternal = (0, import_react12.useCallback)(
     async (tokenizedBody) => {
       try {
-        const api = new import_js6.PaymentAPI(baseUrl);
+        const api = new import_js5.PaymentAPI(baseUrl);
         const response = await api.processPayment(userId ?? "", {
           sessionId,
           nonce,
@@ -8658,7 +8122,7 @@ function PayPalButton({
       setSubmitting(true);
       onErrorChange?.(null);
       if (!sessionId || !email) {
-        throw new import_shared10.FloPayError("Missing sessionId or email for PayPal payment", "validation_error");
+        throw new import_shared9.FloPayError("Missing sessionId or email for PayPal payment", "validation_error");
       }
       const result = await flopay.confirmPayPalPayment({
         billingApiUrl: baseUrl,
@@ -8733,18 +8197,18 @@ function PayPalButton({
 
 // src/automatic-payment-button.tsx
 var import_react13 = require("react");
-var import_js7 = require("@flopay/js");
-var import_shared11 = require("@flopay/shared");
+var import_js6 = require("@flopay/js");
+var import_shared10 = require("@flopay/shared");
 var import_jsx_runtime11 = require("react/jsx-runtime");
 var DEFAULT_BUTTONS_LAYOUT_BUTTON_HEIGHT3 = 44;
 function sleep2(ms) {
   return new Promise((resolve) => setTimeout(resolve, ms));
 }
 function coerceError(err, fallbackMessage) {
-  if (err instanceof import_shared11.FloPayError) {
+  if (err instanceof import_shared10.FloPayError) {
     return err;
   }
-  return new import_shared11.FloPayError(
+  return new import_shared10.FloPayError(
     err instanceof Error ? err.message : fallbackMessage,
     "api_error"
   );
@@ -8816,7 +8280,7 @@ function FloPayAutomaticPaymentButton({
   ...buttonProps
 }) {
   const resolvedBillingUrl = (0, import_react13.useMemo)(
-    () => (0, import_shared11.resolveBillingApiUrl)(billingApiUrl),
+    () => (0, import_shared10.resolveBillingApiUrl)(billingApiUrl),
     [billingApiUrl]
   );
   const createSessionDraft = (0, import_react13.useMemo)(
@@ -8917,7 +8381,7 @@ function FloPayAutomaticPaymentButton({
   const processResolvedSession = (0, import_react13.useCallback)(async (apiResult, resolvedSessionId, options) => {
     const session = apiResult.data.session ?? null;
     if (!session) {
-      throw new import_shared11.FloPayError("No session data returned", "api_error");
+      throw new import_shared10.FloPayError("No session data returned", "api_error");
     }
     const effectiveNonce = session.clientSecret || nonce;
     if (session.status === "complete") {
@@ -8930,19 +8394,19 @@ function FloPayAutomaticPaymentButton({
       return;
     }
     if (session.status === "expired") {
-      throw new import_shared11.FloPayError("Checkout session has expired.", "api_error", {
+      throw new import_shared10.FloPayError("Checkout session has expired.", "api_error", {
         code: "checkout_session_expired"
       });
     }
     try {
       if (apiResult.autoProcessingPending) {
-        const api = new import_js7.PaymentAPI(resolvedBillingUrl);
+        const api = new import_js6.PaymentAPI(resolvedBillingUrl);
         const completed = await api.waitForCheckoutSessionCompletion(apiResult.autoProcessingPending.sessionId, {
           initialDelayMs: apiResult.autoProcessingPending.retryAfterMs
         });
         const completedSession = completed.data.session;
         if (!completedSession || completedSession.status !== "complete") {
-          throw new import_shared11.FloPayError("Automatic payment failed. Please try again.", "api_error", {
+          throw new import_shared10.FloPayError("Automatic payment failed. Please try again.", "api_error", {
             code: completedSession?.status === "expired" ? "checkout_session_expired" : "checkout_processing_timeout"
           });
         }
@@ -8985,7 +8449,7 @@ function FloPayAutomaticPaymentButton({
               }
             );
           }
-          const api = new import_js7.PaymentAPI(resolvedBillingUrl);
+          const api = new import_js6.PaymentAPI(resolvedBillingUrl);
           const completed = await api.waitForCheckoutSessionCompletion(resolvedSessionId, {
             initialDelayMs: 0,
             nonce: effectiveNonce
@@ -9077,7 +8541,7 @@ function FloPayAutomaticPaymentButton({
     }
     setFallbackSession(null);
     if (sessionId && createSessionDraft) {
-      const error = new import_shared11.FloPayError(
+      const error = new import_shared10.FloPayError(
         "Provide either sessionId or create-session props, not both.",
         "validation_error"
       );
@@ -9089,7 +8553,7 @@ function FloPayAutomaticPaymentButton({
       return;
     }
     if (!sessionId && !createSessionDraft) {
-      const error = new import_shared11.FloPayError(
+      const error = new import_shared10.FloPayError(
         "Provide a sessionId or the props required to create an automatic payment session.",
         "validation_error"
       );
@@ -9104,7 +8568,7 @@ function FloPayAutomaticPaymentButton({
     setOverlayError(null);
     setOverlayStatus("processing");
     try {
-      const api = new import_js7.PaymentAPI(resolvedBillingUrl);
+      const api = new import_js6.PaymentAPI(resolvedBillingUrl);
       if (sessionId) {
         const result = await api.getUnifiedCheckoutSession(sessionId, nonce);
         await processResolvedSession(result, sessionId);
@@ -9118,7 +8582,7 @@ function FloPayAutomaticPaymentButton({
           fromCreateSession: true
         });
       } catch (err) {
-        if (err instanceof import_shared11.FloPayError && err.code === "session_auto_completed") {
+        if (err instanceof import_shared10.FloPayError && err.code === "session_auto_completed") {
           await showSuccess({
             result: { status: "succeeded" },
             session: null,
@@ -9168,9 +8632,9 @@ function FloPayAutomaticPaymentButton({
   const handleFallbackDecline = (0, import_react13.useCallback)((decline) => {
     onDeclineRef.current?.(decline);
   }, []);
-  const themeBundle = (0, import_react13.useMemo)(() => (0, import_shared11.resolveTheme)(theme), [theme]);
+  const themeBundle = (0, import_react13.useMemo)(() => (0, import_shared10.resolveTheme)(theme), [theme]);
   const bStyles = (0, import_react13.useMemo)(() => {
-    const base = themeBundle?.buttonsLayout ?? (0, import_shared11.resolveButtonsLayoutTheme)(buttonsTheme);
+    const base = themeBundle?.buttonsLayout ?? (0, import_shared10.resolveButtonsLayoutTheme)(buttonsTheme);
     if (!stylesOverride) return base;
     return {
       ...base,
@@ -9336,11 +8800,6 @@ function FloPayAutomaticPaymentButton({
 // Annotate the CommonJS export names for ESM import in node:
 0 && (module.exports = {
   AddressElement,
-  CardCvcElement,
-  CardElement,
-  CardExpiryElement,
-  CardNumberElement,
-  CheckoutForm,
   DirectPayPalButton,
   FloPayAutomaticPaymentButton,
   FloPayCheckout,