@flopay/react 1.4.0 → 1.4.2

package/dist/index.mjs

@@ -193,7 +193,7 @@ function FloPayProvider({
 }
 
 // src/flopay-checkout.tsx
-import React8, { useCallback as useCallback4, useEffect as useEffect6, useMemo as useMemo4, useRef as useRef6, useState as useState4 } from "react";
+import React8, { useCallback as useCallback4, useEffect as useEffect5, useMemo as useMemo4, useRef as useRef5, useState as useState4 } from "react";
 import { PaymentAPI as PaymentAPI4 } from "@flopay/js";
 import { SDK_VERSION as SDK_VERSION2, FloPayError as FloPayError5, resolveBillingApiUrl as resolveBillingApiUrl3, buildCheckoutDisplayData, resolveButtonsLayoutTheme as resolveButtonsLayoutTheme2, resolveTheme as resolveTheme2 } from "@flopay/shared";
 
@@ -264,73 +264,10 @@ function TitleContentSlot({
   return /* @__PURE__ */ jsx2(Fragment, { children: content === void 0 ? /* @__PURE__ */ jsx2(DefaultTitleContent, {}) : content });
 }
 
-// src/elements.tsx
-import { useEffect as useEffect2, useRef as useRef2, useContext } from "react";
-import { jsx as jsx3 } from "react/jsx-runtime";
-function createElementComponent(elementType, displayName) {
-  function ElementComponent({
-    className,
-    id,
-    style,
-    options,
-    onChange,
-    onReady,
-    onFocus,
-    onBlur,
-    onEscape
-  }) {
-    const containerRef = useRef2(null);
-    const elementRef = useRef2(null);
-    const { elements, reportInteractive } = useContext(FloPayContext);
-    useEffect2(() => {
-      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__ */ jsx3("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
 import {
   ExpressCheckoutElement,
-  PaymentElement as PaymentElement2,
+  PaymentElement,
   Elements as StripeElements,
   useElements as useStripeElements,
   useStripe as useStripeRaw
@@ -358,8 +295,8 @@ import {
 import { PaymentAPI as PaymentAPI2 } from "@flopay/js";
 
 // src/vault-card-fields.tsx
-import { useEffect as useEffect3, useRef as useRef3 } from "react";
-import { jsx as jsx4 } from "react/jsx-runtime";
+import { useEffect as useEffect2, useRef as useRef2 } from "react";
+import { jsx as jsx3 } from "react/jsx-runtime";
 function VaultCardFields({
   capture,
   html,
@@ -371,16 +308,16 @@ function VaultCardFields({
   onError,
   onValidation
 }) {
-  const containerRef = useRef3(null);
-  const onReadyRef = useRef3(onReady);
-  const onErrorRef = useRef3(onError);
-  const onValidationRef = useRef3(onValidation);
+  const containerRef = useRef2(null);
+  const onReadyRef = useRef2(onReady);
+  const onErrorRef = useRef2(onError);
+  const onValidationRef = useRef2(onValidation);
   onReadyRef.current = onReady;
   onErrorRef.current = onError;
   onValidationRef.current = onValidation;
-  const themeRef = useRef3(theme);
+  const themeRef = useRef2(theme);
   themeRef.current = theme;
-  useEffect3(() => {
+  useEffect2(() => {
     const el = containerRef.current;
     if (!el) return;
     let active = true;
@@ -422,41 +359,98 @@ function VaultCardFields({
       capture.unmount();
     };
   }, [capture, html, messageToken, expectedOrigin]);
-  useEffect3(() => {
+  useEffect2(() => {
     if (theme) capture.applyTheme?.(theme);
   }, [capture, theme]);
-  return /* @__PURE__ */ jsx4("div", { ref: containerRef, "data-testid": "flopay-vault-card-fields", style: containerStyle });
+  return /* @__PURE__ */ jsx3("div", { ref: containerRef, "data-testid": "flopay-vault-card-fields", style: containerStyle });
+}
+
+// src/error-banner.tsx
+import "react";
+import { jsx as jsx4, jsxs as jsxs2 } from "react/jsx-runtime";
+function ErrorBanner({
+  children,
+  margin,
+  icon = true,
+  styleOverride
+}) {
+  return /* @__PURE__ */ jsxs2(
+    "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__ */ jsx4("svg", { width: "16", height: "16", viewBox: "0 0 24 24", fill: "none", style: { flexShrink: 0 }, children: /* @__PURE__ */ jsx4(
+          "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", import.meta.url).href,
+  "bancontact": new URL("./payment-logos/bancontact.svg", import.meta.url).href,
+  "blik": new URL("./payment-logos/blik.svg", import.meta.url).href,
+  "eps": new URL("./payment-logos/eps.svg", import.meta.url).href,
+  "giropay": new URL("./payment-logos/giropay.svg", import.meta.url).href,
+  "ideal": new URL("./payment-logos/ideal.svg", import.meta.url).href,
+  "klarna": new URL("./payment-logos/klarna.svg", import.meta.url).href,
+  "p24": new URL("./payment-logos/p24.svg", import.meta.url).href,
+  "sepa_debit": new URL("./payment-logos/sepa_debit.svg", import.meta.url).href,
+  "wechat_pay": new URL("./payment-logos/wechat_pay.svg", import.meta.url).href
+};
+
 // src/split-card-form.tsx
-import React7, { forwardRef, useCallback as useCallback3, useContext as useContext3, useEffect as useEffect5, useImperativeHandle, useMemo as useMemo3, useRef as useRef5, useState as useState3 } from "react";
+import React7, { useCallback as useCallback3, useContext as useContext2, useEffect as useEffect4, useMemo as useMemo3, useRef as useRef4, useState as useState3 } from "react";
 
 // src/hooks.ts
-import { useContext as useContext2 } from "react";
+import { useContext } from "react";
 import { resolveBillingApiUrl as resolveBillingApiUrl2 } from "@flopay/shared";
 function useFloPay() {
-  const ctx = useContext2(FloPayContext);
+  const ctx = useContext(FloPayContext);
   return ctx.flopay;
 }
 function usePayPalFloPay() {
-  const ctx = useContext2(FloPayContext);
+  const ctx = useContext(FloPayContext);
   return ctx.paypalFlopay ?? null;
 }
 function useElements() {
-  const ctx = useContext2(FloPayContext);
+  const ctx = useContext(FloPayContext);
   return ctx.elements;
 }
 function useCheckout() {
-  return useContext2(CheckoutContext);
+  return useContext(CheckoutContext);
 }
 function useBillingApiUrl() {
-  const ctx = useContext2(FloPayContext);
+  const ctx = useContext(FloPayContext);
   return ctx.billingApiUrl || resolveBillingApiUrl2();
 }
 
 // src/processing-overlay.tsx
 import "react";
-import { jsx as jsx5, jsxs as jsxs2 } from "react/jsx-runtime";
+import { jsx as jsx5, jsxs as jsxs3 } from "react/jsx-runtime";
 var PROCESSING_OVERLAY_SUCCESS_DELAY_MS = 1200;
 var PROCESSING_OVERLAY_ERROR_DELAY_MS = 1500;
 function ProcessingOverlay({
@@ -480,7 +474,7 @@ function ProcessingOverlay({
         zIndex: 1e3,
         backdropFilter: "blur(2px)"
       },
-      children: /* @__PURE__ */ jsxs2(
+      children: /* @__PURE__ */ jsxs3(
         "div",
         {
           style: {
@@ -496,8 +490,8 @@ function ProcessingOverlay({
             gap: 16
           },
           children: [
-            /* @__PURE__ */ jsxs2("div", { style: { width: 48, height: 48, position: "relative" }, children: [
-              status === "processing" && /* @__PURE__ */ jsxs2(
+            /* @__PURE__ */ jsxs3("div", { style: { width: 48, height: 48, position: "relative" }, children: [
+              status === "processing" && /* @__PURE__ */ jsxs3(
                 "svg",
                 {
                   width: "48",
@@ -512,7 +506,7 @@ function ProcessingOverlay({
                   ]
                 }
               ),
-              status === "success" && /* @__PURE__ */ jsx5("div", { style: { animation: "flopay-pop 0.4s cubic-bezier(0.34,1.56,0.64,1)" }, children: /* @__PURE__ */ jsxs2("svg", { width: "48", height: "48", viewBox: "0 0 24 24", fill: "none", xmlns: "http://www.w3.org/2000/svg", children: [
+              status === "success" && /* @__PURE__ */ jsx5("div", { style: { animation: "flopay-pop 0.4s cubic-bezier(0.34,1.56,0.64,1)" }, children: /* @__PURE__ */ jsxs3("svg", { width: "48", height: "48", viewBox: "0 0 24 24", fill: "none", xmlns: "http://www.w3.org/2000/svg", children: [
                 /* @__PURE__ */ jsx5("circle", { cx: "12", cy: "12", r: "11", fill: "#22c55e" }),
                 /* @__PURE__ */ jsx5(
                   "path",
@@ -530,7 +524,7 @@ function ProcessingOverlay({
                   }
                 )
               ] }) }),
-              status === "error" && /* @__PURE__ */ jsx5("div", { style: { animation: "flopay-shake 0.4s ease" }, children: /* @__PURE__ */ jsxs2("svg", { width: "48", height: "48", viewBox: "0 0 24 24", fill: "none", xmlns: "http://www.w3.org/2000/svg", children: [
+              status === "error" && /* @__PURE__ */ jsx5("div", { style: { animation: "flopay-shake 0.4s ease" }, children: /* @__PURE__ */ jsxs3("svg", { width: "48", height: "48", viewBox: "0 0 24 24", fill: "none", xmlns: "http://www.w3.org/2000/svg", children: [
                 /* @__PURE__ */ jsx5("circle", { cx: "12", cy: "12", r: "11", fill: "#ef4444" }),
                 /* @__PURE__ */ jsx5(
                   "path",
@@ -548,7 +542,7 @@ function ProcessingOverlay({
                 )
               ] }) })
             ] }),
-            /* @__PURE__ */ jsxs2(
+            /* @__PURE__ */ jsxs3(
               "span",
               {
                 style: {
@@ -717,13 +711,6 @@ 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,
@@ -739,20 +726,8 @@ 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 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") {
@@ -763,41 +738,6 @@ 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 (isSetupIntentClientSecret(clientSecret)) {
-    if (!retriever?.retrieveSetupIntent) {
-      return null;
-    }
-    const { setupIntent, error: error2 } = await retriever.retrieveSetupIntent(clientSecret);
-    if (error2) {
-      throw new 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 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" };
@@ -866,10 +806,15 @@ function isInAppBrowser(userAgent) {
 }
 
 // src/direct-paypal-button.tsx
-import { useCallback as useCallback2, useEffect as useEffect4, useMemo as useMemo2, useRef as useRef4, useState as useState2 } from "react";
+import { useCallback as useCallback2, useEffect as useEffect3, useMemo as useMemo2, useRef as useRef3, useState as useState2 } from "react";
 import { loadScript } from "@paypal/paypal-js";
 import { PaymentAPI } from "@flopay/js";
-import { FloPayError as FloPayError2, SDK_VERSION, normalizeGatewayEnvironment } from "@flopay/shared";
+import {
+  FloPayError as FloPayError2,
+  SDK_VERSION,
+  generateIdempotencyKey,
+  normalizeGatewayEnvironment
+} from "@flopay/shared";
 
 // src/merchant-callback.ts
 function invokeMerchantCallback(callback) {
@@ -921,8 +866,14 @@ function isPopupBlockedError(err) {
 }
 
 // src/direct-paypal-button.tsx
-import { jsx as jsx6, jsxs as jsxs3 } from "react/jsx-runtime";
+import { jsx as jsx6, jsxs as jsxs4 } from "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%",
@@ -937,6 +888,9 @@ 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;
 }
@@ -956,6 +910,8 @@ function DirectPayPalButtonImplementation({
   onTechnicalFailure,
   isProcessing = false,
   onLoadStateChange,
+  onInitializationStateChange,
+  allowAutomaticRetry = true,
   onButtonClick,
   runBeforeButtonClick,
   session,
@@ -984,7 +940,7 @@ function DirectPayPalButtonImplementation({
     telemetryContext?.layout
   ]);
   const floPayTelemetry = useMemo2(() => getFloPayTelemetryBridge(flopay), [flopay]);
-  useEffect4(() => () => {
+  useEffect3(() => () => {
     if (!standaloneTelemetry) return;
     void standaloneTelemetry.flush().catch(() => {
     }).finally(() => standaloneTelemetry.destroy());
@@ -1009,76 +965,104 @@ function DirectPayPalButtonImplementation({
     startTiming: () => floPayTelemetry?.now() ?? standaloneTelemetry?.now() ?? 0,
     elapsed: (startedAt) => floPayTelemetry?.elapsed(startedAt) ?? Math.max(0, (standaloneTelemetry?.now() ?? startedAt) - startedAt)
   }), [floPayTelemetry, standaloneTelemetry]);
-  const containerRef = useRef4(null);
-  const providerStartedAt = useRef4(0);
-  const focusTargetRef = useRef4(null);
-  const pendingProviderFocusRef = useRef4(false);
+  const containerRef = useRef3(null);
+  const providerStartedAt = useRef3(0);
+  const focusTargetRef = useRef3(null);
+  const pendingProviderFocusRef = useRef3(false);
   const [ready, setReady] = useState2(false);
+  const [recovering, setRecovering] = useState2(false);
   const [renderGeneration, setRenderGeneration] = useState2(0);
-  const activeRenderGenerationRef = useRef4(0);
+  const activeRenderGenerationRef = useRef3(0);
   const [showRetryFocusTarget, setShowRetryFocusTarget] = useState2(false);
+  const automaticRetryUsedRef = useRef3(false);
+  const initializationFailureLoggedRef = useRef3(false);
   const [failed, setFailed] = useState2(false);
   const [submitting, setSubmitting] = useState2(false);
   const baseUrl = useMemo2(() => billingApiUrl.replace(/\/+$/, ""), [billingApiUrl]);
+  const initializationConfigKey = useMemo2(
+    () => JSON.stringify([
+      baseUrl,
+      clientId,
+      currency,
+      environment ?? "",
+      isSubscription,
+      sessionId,
+      existingOrderId ?? ""
+    ]),
+    [baseUrl, clientId, currency, environment, existingOrderId, isSubscription, sessionId]
+  );
+  const initializationConfigKeyRef = useRef3(initializationConfigKey);
+  const initializationConfigChanged = initializationConfigKeyRef.current !== initializationConfigKey;
   const [debugLines, setDebugLines] = useState2([]);
   const appendDebug = (line) => {
     if (!debug) return;
     setDebugLines((prev) => [...prev, `${(/* @__PURE__ */ new Date()).toISOString().slice(11, 23)} ${line}`]);
   };
-  const onTokenizedBodyRef = useRef4(onTokenizedBody);
-  const onCompleteRef = useRef4(onComplete);
-  const onErrorChangeRef = useRef4(onErrorChange);
-  const onDeclineRef = useRef4(onDecline);
-  const onTechnicalFailureRef = useRef4(onTechnicalFailure);
-  const onButtonClickRef = useRef4(onButtonClick);
-  const onLoadStateChangeRef = useRef4(onLoadStateChange);
-  const runBeforeButtonClickRef = useRef4(runBeforeButtonClick);
-  const sessionRef = useRef4(session);
-  const emailRef = useRef4(email);
-  const nonceRef = useRef4(nonce);
-  const beforeClickRef = useRef4(null);
-  const attemptGenerationRef = useRef4(0);
-  const attemptRef = useRef4(null);
-  const invalidatedAttemptGenerationRef = useRef4(null);
-  const attemptContextBySurfaceRef = useRef4(/* @__PURE__ */ new Map());
-  const approvalContextByTokenRef = useRef4(/* @__PURE__ */ new Map());
-  useEffect4(() => {
+  const onTokenizedBodyRef = useRef3(onTokenizedBody);
+  const onCompleteRef = useRef3(onComplete);
+  const onErrorChangeRef = useRef3(onErrorChange);
+  const onDeclineRef = useRef3(onDecline);
+  const onTechnicalFailureRef = useRef3(onTechnicalFailure);
+  const onButtonClickRef = useRef3(onButtonClick);
+  const onLoadStateChangeRef = useRef3(onLoadStateChange);
+  const onInitializationStateChangeRef = useRef3(onInitializationStateChange);
+  const runBeforeButtonClickRef = useRef3(runBeforeButtonClick);
+  const sessionRef = useRef3(session);
+  const emailRef = useRef3(email);
+  const nonceRef = useRef3(nonce);
+  const beforeClickRef = useRef3(null);
+  const attemptGenerationRef = useRef3(0);
+  const attemptRef = useRef3(null);
+  const invalidatedAttemptGenerationRef = useRef3(null);
+  const attemptContextBySurfaceRef = useRef3(/* @__PURE__ */ new Map());
+  const approvalContextByTokenRef = useRef3(/* @__PURE__ */ new Map());
+  const componentMountedRef = useRef3(false);
+  useEffect3(() => {
+    componentMountedRef.current = true;
+    return () => {
+      componentMountedRef.current = false;
+    };
+  }, []);
+  useEffect3(() => {
     onTokenizedBodyRef.current = onTokenizedBody;
   }, [onTokenizedBody]);
-  useEffect4(() => {
+  useEffect3(() => {
     onCompleteRef.current = onComplete;
   }, [onComplete]);
-  useEffect4(() => {
+  useEffect3(() => {
     onErrorChangeRef.current = onErrorChange;
   }, [onErrorChange]);
-  useEffect4(() => {
+  useEffect3(() => {
     onDeclineRef.current = onDecline;
   }, [onDecline]);
-  useEffect4(() => {
+  useEffect3(() => {
     onTechnicalFailureRef.current = onTechnicalFailure;
   }, [onTechnicalFailure]);
-  useEffect4(() => {
+  useEffect3(() => {
     onButtonClickRef.current = onButtonClick;
   }, [onButtonClick]);
-  useEffect4(() => {
+  useEffect3(() => {
     onLoadStateChangeRef.current = onLoadStateChange;
   }, [onLoadStateChange]);
-  useEffect4(() => {
+  useEffect3(() => {
+    onInitializationStateChangeRef.current = onInitializationStateChange;
+  }, [onInitializationStateChange]);
+  useEffect3(() => {
     runBeforeButtonClickRef.current = runBeforeButtonClick;
   }, [runBeforeButtonClick]);
-  useEffect4(() => {
+  useEffect3(() => {
     sessionRef.current = session;
   }, [session]);
-  useEffect4(() => {
+  useEffect3(() => {
     emailRef.current = email;
   }, [email]);
-  useEffect4(() => {
+  useEffect3(() => {
     nonceRef.current = nonce;
   }, [nonce]);
-  useEffect4(() => {
+  useEffect3(() => {
     activeRenderGenerationRef.current = renderGeneration;
   }, [renderGeneration]);
-  useEffect4(() => {
+  useEffect3(() => {
     if (showRetryFocusTarget) focusTargetRef.current?.focus();
   }, [showRetryFocusTarget, renderGeneration]);
   const focusRetryTarget = useCallback2(() => {
@@ -1097,7 +1081,7 @@ function DirectPayPalButtonImplementation({
     );
     (target ?? containerRef.current)?.focus?.();
   }, []);
-  useEffect4(() => {
+  useEffect3(() => {
     if (!ready || !pendingProviderFocusRef.current) return;
     pendingProviderFocusRef.current = false;
     focusPayPalSurface();
@@ -1180,7 +1164,7 @@ function DirectPayPalButtonImplementation({
     }
     return token;
   };
-  useEffect4(() => {
+  useEffect3(() => {
     const handleVisibilityChange = () => {
       if (document.visibilityState === "visible") {
         scheduleMissingCallbackRecovery();
@@ -1198,11 +1182,21 @@ function DirectPayPalButtonImplementation({
       clearAttemptTimer();
     };
   }, []);
-  useEffect4(() => {
+  useEffect3(() => {
+    if (initializationConfigKeyRef.current === initializationConfigKey) return;
+    initializationConfigKeyRef.current = initializationConfigKey;
+    automaticRetryUsedRef.current = false;
+    initializationFailureLoggedRef.current = false;
+    setReady(false);
+    setRecovering(false);
+    setFailed(false);
+    onInitializationStateChangeRef.current?.("loading");
+  }, [initializationConfigKey]);
+  useEffect3(() => {
     invokeMerchantCallback(() => onLoadStateChangeRef.current?.(ready && !failed));
   }, [ready, failed]);
   const normalizedEnv = normalizeGatewayEnvironment(environment);
-  useEffect4(() => {
+  useEffect3(() => {
     const maskedClient = clientId ? `${clientId.slice(0, 6)}\u2026(len ${clientId.length})` : "(empty)";
     const ua = typeof navigator !== "undefined" ? navigator.userAgent : "(no navigator)";
     appendDebug(`mount clientId=${maskedClient} env=${environment ?? "(unset)"}\u2192${normalizedEnv ?? "live"} ccy=${currency} sub=${isSubscription}`);
@@ -1232,7 +1226,29 @@ 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 = 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;
@@ -1302,6 +1318,7 @@ 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)}`);
@@ -1309,6 +1326,7 @@ 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 ${reason.slice(0, 140)}`);
@@ -1323,6 +1341,7 @@ function DirectPayPalButtonImplementation({
     if (debug && typeof PerformanceObserver !== "undefined") {
       try {
         perfObserver = new PerformanceObserver((list) => {
+          if (isInactive()) return;
           for (const entry of list.getEntries()) {
             if (!entry.name.toLowerCase().includes("paypal")) continue;
             paypalRequestCount.value += 1;
@@ -1351,17 +1370,13 @@ function DirectPayPalButtonImplementation({
       return lower.includes("zoid destroyed") || lower.includes("destroyed all components") || lower.includes("window closed") || lower.includes("detected container element removed");
     };
     const forwardError = (message) => {
-      if (cancelled) return;
+      if (isInactive()) return;
       if (isZoidLifecycleMessage(message)) return;
       const friendly = applyFriendlyMessageOverride(message) ?? message;
       invokeMerchantCallback(() => onErrorChangeRef.current?.(friendly));
     };
     const markRenderFailed = (message) => {
       if (cancelled) return;
-      if (isZoidLifecycleMessage(message)) {
-        appendDebug(`markRenderFailed:skip-zoid msg=${message.slice(0, 80)}`);
-        return;
-      }
       setFailed(true);
       if (!message.includes("paypal_ineligible")) {
         telemetrySource.error({
@@ -1374,8 +1389,48 @@ 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, {
@@ -1429,41 +1484,45 @@ 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",
@@ -1479,15 +1538,21 @@ function DirectPayPalButtonImplementation({
         invokeMerchantCallback(() => onDeclineRef.current?.(buildDeclineEvent("paypal", message)));
         return;
       }
-      invokeMerchantCallback(() => onCompleteRef.current?.({ status: "succeeded", checkoutMethod: "paypal" }));
     };
+    const supersededRenderError = () => new FloPayError2(
+      "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",
@@ -1495,22 +1560,22 @@ 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 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({
@@ -1521,7 +1586,24 @@ 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 PaymentAPI(baseUrl, { telemetry: false }).reportSessionIntentDecline(
+        effectiveSessionId,
+        currentNonce,
+        {
+          provider: "paypal",
+          paymentMethodCategory: "wallet",
+          paymentMethodType: "paypal",
+          providerDeclineReason
+        }
+      ).catch(() => {
+      });
     };
     const effectRenderGeneration = renderGeneration;
     appendDebug("loadScript:scheduled (deferred 1 tick)");
@@ -1550,9 +1632,11 @@ 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({
@@ -1562,7 +1646,7 @@ 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;
@@ -1587,7 +1671,7 @@ function DirectPayPalButtonImplementation({
           } catch (err) {
             forwardError(err instanceof Error ? err.message : "PayPal capture failed.");
           } finally {
-            setSubmitting(false);
+            if (!isInactive()) setSubmitting(false);
           }
         };
         const buttons = paypal.Buttons({
@@ -1598,11 +1682,20 @@ 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);
@@ -1656,10 +1749,11 @@ 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;
@@ -1673,7 +1767,7 @@ 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) {
@@ -1693,13 +1787,16 @@ 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();
@@ -1712,17 +1809,19 @@ 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) => {
@@ -1750,7 +1849,7 @@ 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}`);
@@ -1770,17 +1869,25 @@ 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",
@@ -1798,25 +1905,23 @@ 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]);
-  const debugPanel = debug ? /* @__PURE__ */ jsxs3(
+  }, [allowAutomaticRetry, baseUrl, clientId, currency, environment, isSubscription, sessionId, existingOrderId, renderGeneration, telemetrySource]);
+  const debugPanel = debug ? /* @__PURE__ */ jsxs4(
     "pre",
     {
       "data-testid": "flopay-direct-paypal-debug",
@@ -1840,7 +1945,7 @@ ${debugLines.join("\n")}`
       ]
     }
   ) : null;
-  if (failed) {
+  if (failed && !initializationConfigChanged) {
     return debug ? /* @__PURE__ */ jsx6("div", { children: debugPanel }) : null;
   }
   return (
@@ -1848,51 +1953,64 @@ ${debugLines.join("\n")}`
     // (otherwise the fragment's placeholder + container become two siblings
     // and any spacing-sensitive layout has to reason about both). The wrapper
     // intentionally has no margin/padding so the parent owns all spacing.
-    /* @__PURE__ */ jsxs3("div", { children: [
+    /* @__PURE__ */ jsxs4("div", { children: [
       debugPanel,
-      /* @__PURE__ */ jsxs3("div", { style: { position: "relative", minHeight: DEFAULT_BUTTON_HEIGHT }, children: [
-        !ready && /* @__PURE__ */ jsx6(
-          "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__ */ jsx6(
-          "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
-        )
-      ] }),
-      showRetryFocusTarget && /* @__PURE__ */ jsx6(
-        "button",
+      /* @__PURE__ */ jsxs4(
+        "div",
         {
-          ref: focusTargetRef,
-          type: "button",
-          "data-testid": "flopay-direct-paypal-focus-target",
-          onClick: focusPayPalSurface,
-          style: DIRECT_PAYPAL_RECOVERY_ACTION_STYLE,
-          children: "Try PayPal again"
-        }
-      )
+          "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__ */ jsx6(
+              "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__ */ jsx6(
+              "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__ */ jsx6(
+        "button",
+        {
+          ref: focusTargetRef,
+          type: "button",
+          "data-testid": "flopay-direct-paypal-focus-target",
+          onClick: focusPayPalSurface,
+          style: DIRECT_PAYPAL_RECOVERY_ACTION_STYLE,
+          children: "Try PayPal again"
+        }
+      )
     ] })
   );
 }
@@ -1905,10 +2023,26 @@ function InstrumentedDirectPayPalButton(props) {
 
 // src/split-card-form.tsx
 import { FloPayError as FloPayError3, isSetupIntentClientSecret as isSetupIntentClientSecret2, resolveTheme } from "@flopay/shared";
-import { Fragment as Fragment2, jsx as jsx7, jsxs as jsxs4 } from "react/jsx-runtime";
+import { Fragment as Fragment2, jsx as jsx7, jsxs as jsxs5 } from "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 PaymentAPI2(billingApiUrl, { telemetry: false }).reportSessionIntentDecline(
+      sessionId,
+      nonce,
+      request
+    );
+  } catch {
+  }
+}
 function isAccountValidationError(err) {
   return err instanceof FloPayError3 && typeof err.statusCode === "number" && err.statusCode >= 400 && err.statusCode < 500;
 }
@@ -2020,9 +2154,9 @@ function buildExternalMethodRecoveryMessage(method, popupBlocked) {
   return popupBlocked ? `${base} Allow pop-ups for this site, then try again.` : base;
 }
 function useExternalAttemptReconciliation(onMissingTerminal) {
-  const generationRef = useRef5(0);
-  const invalidatedGenerationRef = useRef5(null);
-  const attemptRef = useRef5(null);
+  const generationRef = useRef4(0);
+  const invalidatedGenerationRef = useRef4(null);
+  const attemptRef = useRef4(null);
   const clearAttemptTimer = useCallback3((targetAttempt = attemptRef.current) => {
     const attempt = targetAttempt;
     if (attempt?.timer) {
@@ -2096,7 +2230,7 @@ function useExternalAttemptReconciliation(onMissingTerminal) {
     attempt.yieldedControl = true;
     clearAttemptTimer(attempt);
   }, [clearAttemptTimer]);
-  useEffect5(() => {
+  useEffect4(() => {
     const handleVisibilityChange = () => {
       if (document.visibilityState === "visible") {
         scheduleRecoveryIfReturned();
@@ -2160,7 +2294,7 @@ function ExpressCheckoutReadySwap({
   children
 }) {
   if (state === "unavailable" || state === "load_error") return null;
-  return /* @__PURE__ */ jsxs4("div", { style: { position: "relative", minHeight: 44 }, children: [
+  return /* @__PURE__ */ jsxs5("div", { style: { position: "relative", minHeight: 44 }, children: [
     /* @__PURE__ */ jsx7(
       "div",
       {
@@ -2198,11 +2332,9 @@ function ExpressCheckoutReadySwap({
 function isExpressCheckoutRowVisible(state) {
   return state !== "unavailable" && state !== "load_error";
 }
-var SplitCardForm = forwardRef(
-  function SplitCardForm2(props, ref) {
-    return /* @__PURE__ */ jsx7(SplitCardFormInner, { ...props, innerRef: ref });
-  }
-);
+function SplitCardForm(props) {
+  return /* @__PURE__ */ jsx7(SplitCardFormInner, { ...props });
+}
 function PayPalButtonInner({
   sessionId,
   nonce,
@@ -2222,18 +2354,17 @@ function PayPalButtonInner({
   const stripe = useStripeRaw();
   const elements = useStripeElements();
   const [loadState, setLoadState] = useState3("loading");
-  useEffect5(() => {
+  useEffect4(() => {
     onLoadStateChange?.(loadState);
   }, [loadState, onLoadStateChange]);
   const [submitting, setSubmitting] = useState3(false);
-  const paypalResumeAttempted = useRef5(false);
-  const focusTargetRef = useRef5(null);
-  const recoveryActionRef = useRef5(null);
+  const paypalResumeAttempted = useRef4(false);
+  const focusTargetRef = useRef4(null);
+  const recoveryActionRef = useRef4(null);
   const [surfaceKey, setSurfaceKey] = useState3(0);
   const [showRecoveryAction, setShowRecoveryAction] = useState3(false);
-  const pendingProviderFocusRef = useRef5(false);
-  const attemptContextBySurfaceRef = useRef5(/* @__PURE__ */ new Map());
-  const baseUrl = billingApiUrl.replace(/\/+$/, "");
+  const pendingProviderFocusRef = useRef4(false);
+  const attemptContextBySurfaceRef = useRef4(/* @__PURE__ */ new Map());
   const {
     startAttempt,
     finishAttempt,
@@ -2248,7 +2379,7 @@ function PayPalButtonInner({
     setShowRecoveryAction(true);
     setSurfaceKey((key) => key + 1);
   });
-  useEffect5(() => {
+  useEffect4(() => {
     if (showRecoveryAction) recoveryActionRef.current?.focus();
   }, [showRecoveryAction, surfaceKey]);
   const resetSurface = useCallback3(() => {
@@ -2266,7 +2397,7 @@ function PayPalButtonInner({
       (target ?? focusTargetRef.current)?.focus();
     }, 0);
   }, []);
-  useEffect5(() => {
+  useEffect4(() => {
     if (!pendingProviderFocusRef.current) return;
     pendingProviderFocusRef.current = false;
     focusProviderSurface();
@@ -2276,7 +2407,7 @@ function PayPalButtonInner({
     onErrorChange?.(null);
     focusProviderSurface();
   }, [focusProviderSurface, onErrorChange]);
-  useEffect5(() => {
+  useEffect4(() => {
     if (!stripe || paypalResumeAttempted.current) return;
     const params = new URLSearchParams(window.location.search);
     const paymentIntentId = params.get("payment_intent");
@@ -2404,33 +2535,21 @@ 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 PaymentAPI2(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
       };
@@ -2467,6 +2586,17 @@ 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);
         }
@@ -2495,15 +2625,15 @@ function PayPalButtonInner({
     } finally {
       setSubmitting(false);
     }
-  }, [stripe, elements, sessionId, nonce, email, baseUrl, onTokenizedBody, onErrorChange, onDecline, runBeforeButtonClick, recoverTechnicalFailure, finishAttempt, isAttemptCurrent, isAttemptInvalidated, surfaceKey]);
-  return /* @__PURE__ */ jsxs4(Fragment2, { children: [
+  }, [stripe, elements, sessionId, nonce, email, billingApiUrl, onTokenizedBody, onErrorChange, onDecline, runBeforeButtonClick, recoverTechnicalFailure, finishAttempt, isAttemptCurrent, isAttemptInvalidated, surfaceKey]);
+  return /* @__PURE__ */ jsxs5(Fragment2, { children: [
     /* @__PURE__ */ jsx7(
       ExpressCheckoutReadySwap,
       {
         state: loadState,
         placeholderTestId: "flopay-paypal-placeholder",
         borderRadius: placeholderBorderRadius,
-        children: /* @__PURE__ */ jsxs4(
+        children: /* @__PURE__ */ jsxs5(
           "div",
           {
             ref: focusTargetRef,
@@ -2571,6 +2701,7 @@ function WalletButtonInner({
   nonce,
   email,
   billingApiUrl,
+  intentKind,
   expressMethods,
   onTokenizedBody,
   onErrorChange,
@@ -2585,20 +2716,19 @@ function WalletButtonInner({
   const stripe = useStripeRaw();
   const elements = useStripeElements();
   const [loadState, setLoadState] = useState3("loading");
-  useEffect5(() => {
+  useEffect4(() => {
     onLoadStateChange?.(loadState);
   }, [loadState, onLoadStateChange]);
   const [submitting, setSubmitting] = useState3(false);
-  const baseUrl = billingApiUrl.replace(/\/+$/, "");
-  const focusTargetRef = useRef5(null);
-  const recoveryActionRef = useRef5(null);
+  const focusTargetRef = useRef4(null);
+  const recoveryActionRef = useRef4(null);
   const [surfaceKey, setSurfaceKey] = useState3(0);
   const [showRecoveryAction, setShowRecoveryAction] = useState3(false);
   const [recoveryActionMethod, setRecoveryActionMethod] = useState3("google_pay");
-  const pendingProviderFocusRef = useRef5(false);
-  const lastWalletProviderMethodRef = useRef5("google_pay");
-  const lastWalletMethodRef = useRef5("google_pay");
-  const attemptContextBySurfaceRef = useRef5(/* @__PURE__ */ new Map());
+  const pendingProviderFocusRef = useRef4(false);
+  const lastWalletProviderMethodRef = useRef4("google_pay");
+  const lastWalletMethodRef = useRef4("google_pay");
+  const attemptContextBySurfaceRef = useRef4(/* @__PURE__ */ new Map());
   const {
     startAttempt,
     finishAttempt,
@@ -2614,7 +2744,7 @@ function WalletButtonInner({
     setShowRecoveryAction(true);
     setSurfaceKey((key) => key + 1);
   });
-  useEffect5(() => {
+  useEffect4(() => {
     if (showRecoveryAction) recoveryActionRef.current?.focus();
   }, [showRecoveryAction, surfaceKey]);
   const resetSurface = useCallback3(() => {
@@ -2633,7 +2763,7 @@ function WalletButtonInner({
       (target ?? focusTargetRef.current)?.focus();
     }, 0);
   }, []);
-  useEffect5(() => {
+  useEffect4(() => {
     if (!pendingProviderFocusRef.current) return;
     pendingProviderFocusRef.current = false;
     focusProviderSurface();
@@ -2690,31 +2820,21 @@ 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 PaymentAPI2(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 } = isSetupIntentClientSecret2(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)) {
@@ -2724,6 +2844,17 @@ 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);
           }
@@ -2744,7 +2875,7 @@ 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 = useMemo3(() => {
     const allKeys = ["applePay", "googlePay", "paypal", "link", "amazonPay", "klarna"];
@@ -2764,14 +2895,14 @@ function WalletButtonInner({
     () => expressMethods.map(stripeExpressMethodToOptionKey),
     [expressMethods]
   );
-  return /* @__PURE__ */ jsxs4(Fragment2, { children: [
+  return /* @__PURE__ */ jsxs5(Fragment2, { children: [
     /* @__PURE__ */ jsx7(
       ExpressCheckoutReadySwap,
       {
         state: loadState,
         placeholderTestId: "flopay-wallet-placeholder",
         borderRadius: placeholderBorderRadius,
-        children: /* @__PURE__ */ jsxs4(
+        children: /* @__PURE__ */ jsxs5(
           "div",
           {
             ref: focusTargetRef,
@@ -2780,7 +2911,7 @@ function WalletButtonInner({
             "aria-label": "Wallet payment methods",
             style: { borderRadius: 8, outlineOffset: 4 },
             children: [
-              showRecoveryAction && /* @__PURE__ */ jsxs4(
+              showRecoveryAction && /* @__PURE__ */ jsxs5(
                 "button",
                 {
                   ref: recoveryActionRef,
@@ -2877,6 +3008,7 @@ function StripeMethodButton({
   fontFamily
 }) {
   const brand = 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";
@@ -2928,8 +3060,8 @@ function StripeMethodButton({
         // status text on top of the pulsing background. Keeps the loading
         // affordance shape-equivalent across both kinds of tile.
         /* @__PURE__ */ jsx7("span", { style: { margin: "0 auto" }, children: `Connecting to ${getStripeMethodDisplayName(method)}\u2026` })
-      ) : /* @__PURE__ */ jsxs4(Fragment2, { children: [
-        /* @__PURE__ */ jsxs4(
+      ) : /* @__PURE__ */ jsxs5(Fragment2, { children: [
+        /* @__PURE__ */ jsxs5(
           "span",
           {
             style: {
@@ -2942,15 +3074,36 @@ function StripeMethodButton({
               gap: hasVendoredStripeMethodLogo(method) ? 8 : 0
             },
             children: [
-              brand?.logoSvg && /* @__PURE__ */ jsx7(
+              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__ */ jsx7(
+                  "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__ */ jsx7(
                 "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,
@@ -2960,7 +3113,7 @@ function StripeMethodButton({
                   },
                   dangerouslySetInnerHTML: { __html: brand.logoSvg }
                 }
-              ),
+              ) : null,
               /* @__PURE__ */ jsx7("span", { children: getStripeMethodDisplayName(method) })
             ]
           }
@@ -3015,10 +3168,9 @@ function StripeMethodInlineForm({
   const stripe = useStripeRaw();
   const elements = useStripeElements();
   const [submitting, setSubmitting] = useState3(false);
-  const submittingRef = useRef5(false);
+  const submittingRef = useRef4(false);
   const [isMethodComplete, setIsMethodComplete] = useState3(false);
   const [loadState, setLoadState] = useState3("loading");
-  const baseUrl = billingApiUrl.replace(/\/+$/, "");
   const handlePay = useCallback3(async () => {
     if (!stripe || !elements || isProcessing || submittingRef.current || !isMethodComplete) return;
     submittingRef.current = true;
@@ -3049,27 +3201,22 @@ 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 PaymentAPI2(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({
@@ -3102,11 +3249,21 @@ 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);
@@ -3152,16 +3309,16 @@ function StripeMethodInlineForm({
     sessionId,
     nonce,
     email,
-    baseUrl,
+    billingApiUrl,
     method,
     onTokenizedBody,
     onErrorChange,
     onDecline
   ]);
   void onCancel;
-  return /* @__PURE__ */ jsxs4("div", { "data-testid": `flopay-stripe-method-form-${method}`, style: { display: "flex", flexDirection: "column" }, children: [
+  return /* @__PURE__ */ jsxs5("div", { "data-testid": `flopay-stripe-method-form-${method}`, style: { display: "flex", flexDirection: "column" }, children: [
     /* @__PURE__ */ jsx7(
-      PaymentElement2,
+      PaymentElement,
       {
         onReady: () => setLoadState("ready"),
         onLoadError: () => {
@@ -3216,22 +3373,7 @@ function StripeMethodInlineForm({
         children: submitting ? "Processing\u2026" : `Pay with ${getStripeMethodDisplayName(method)}`
       }
     ),
-    errorText && /* @__PURE__ */ jsxs4("div", { role: "alert", "data-testid": "flopay-error", style: {
-      margin: "0.75rem 0 0",
-      padding: "0.625rem 0.875rem",
-      background: "#FEF2F2",
-      border: "1px solid #FECACA",
-      borderRadius: "8px",
-      color: "#991B1B",
-      fontSize: "0.85rem",
-      fontWeight: 600,
-      display: "flex",
-      alignItems: "center",
-      gap: "0.5rem"
-    }, children: [
-      /* @__PURE__ */ jsx7("svg", { width: "16", height: "16", viewBox: "0 0 24 24", fill: "none", style: { flexShrink: 0 }, children: /* @__PURE__ */ jsx7("path", { d: "M12 9v4m0 4h.01M21 12a9 9 0 11-18 0 9 9 0 0118 0z", stroke: "#DC2626", strokeWidth: "2", strokeLinecap: "round", strokeLinejoin: "round" }) }),
-      errorText
-    ] })
+    errorText && /* @__PURE__ */ jsx7(ErrorBanner, { margin: "0.75rem 0 0", children: errorText })
   ] });
 }
 function StripePaymentElementInner({
@@ -3258,11 +3400,10 @@ function StripePaymentElementInner({
   onExpandApm,
   expandedApmMethod
 }) {
-  const baseUrl = billingApiUrl.replace(/\/+$/, "");
   const [expandedMethod, setExpandedMethod] = useState3(null);
   const [submittingMethod, setSubmittingMethod] = useState3(null);
-  const submittingRef = useRef5(false);
-  useEffect5(() => {
+  const submittingRef = useRef4(false);
+  useEffect4(() => {
     if (paymentElementMethods.length > 0 && stripeInstance) {
       onLoadStateChange?.("ready");
     } else if (!stripeInstance) {
@@ -3289,31 +3430,21 @@ 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 PaymentAPI2(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({
@@ -3354,11 +3485,21 @@ 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);
@@ -3402,7 +3543,7 @@ function StripePaymentElementInner({
     sessionId,
     nonce,
     email,
-    baseUrl,
+    billingApiUrl,
     billingName,
     onTokenizedBody,
     onErrorChange,
@@ -3439,7 +3580,7 @@ function StripePaymentElementInner({
         const isExpanded = expandedApmMethod === method;
         const isSubmittingThis = submittingMethod === method;
         const otherInProgress = submittingMethod !== null && submittingMethod !== method || expandedApmMethod !== null && expandedApmMethod !== void 0 && expandedApmMethod !== method;
-        return /* @__PURE__ */ jsxs4(React7.Fragment, { children: [
+        return /* @__PURE__ */ jsxs5(React7.Fragment, { children: [
           /* @__PURE__ */ jsx7(
             StripeMethodButton,
             {
@@ -3503,15 +3644,10 @@ function SplitCardFormInner({
   firstName,
   lastName,
   chv,
-  submitLabel = "CONFIRM PAYMENT",
   className,
-  children,
   isProcessing: externalProcessing,
   error: externalError,
   onErrorChange,
-  onFullNameChange,
-  onFirstNameChange,
-  onLastNameChange,
   showPayPal = true,
   showStripe = true,
   enabledPaymentMethods,
@@ -3550,17 +3686,14 @@ function SplitCardFormInner({
   directPaypal,
   isSubscription = false,
   session,
-  debug = false,
-  innerRef
+  debug = false
 }) {
   const flopay = useFloPay();
   const paypalFlopay = usePayPalFloPay();
-  const elements = useElements();
-  const checkout = useContext3(CheckoutContext);
+  const checkout = useContext2(CheckoutContext);
   const contextBillingUrl = useBillingApiUrl();
   const [processing, setProcessing] = useState3(false);
   const [error, setError] = useState3(null);
-  const [is3DSActive, setIs3DSActive] = useState3(false);
   const [selectedCountry, setSelectedCountry] = useState3(countryProp ?? "US");
   const [zipCode, setZipCode] = useState3(zipProp ?? "");
   const [addressLine1, setAddressLine1] = useState3(addressLine1Prop ?? "");
@@ -3568,18 +3701,19 @@ function SplitCardFormInner({
   const [city, setCity] = useState3(cityProp ?? "");
   const [stateValue, setStateValue] = useState3(stateProp ?? "");
   const [accountPatch, setAccountPatch] = useState3({});
-  const zipCodeRef = useRef5(zipProp ?? "");
-  const selectedCountryRef = useRef5(countryProp ?? "US");
-  const addressLine1Ref = useRef5(addressLine1Prop ?? "");
-  const addressLine2Ref = useRef5(addressLine2Prop ?? "");
-  const cityRef = useRef5(cityProp ?? "");
-  const stateRef = useRef5(stateProp ?? "");
+  const zipCodeRef = useRef4(zipProp ?? "");
+  const selectedCountryRef = useRef4(countryProp ?? "US");
+  const addressLine1Ref = useRef4(addressLine1Prop ?? "");
+  const addressLine2Ref = useRef4(addressLine2Prop ?? "");
+  const cityRef = useRef4(cityProp ?? "");
+  const stateRef = useRef4(stateProp ?? "");
   const avsConfig = useMemo3(() => resolveAVSConfig(enableAVSProp), [enableAVSProp]);
   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 = useMemo3(() => {
     if (!flopay || !vaultActive || !sessionId) return null;
@@ -3611,7 +3745,9 @@ function SplitCardFormInner({
   const [vaultMount, setVaultMount] = useState3(
     () => toVaultMount(session?.vault)
   );
-  const [viewState, setViewState] = useState3(initialCardOpen ? "card" : "buttons");
+  const [viewState, setViewState] = useState3(
+    initialCardOpen && vaultCapabilityAvailable ? "card" : "buttons"
+  );
   const [expandedApmMethod, setExpandedApmMethod] = useState3(null);
   const showCardForm = viewState === "expanding" || viewState === "card";
   const TRANSITION_MS = 280;
@@ -3635,18 +3771,16 @@ function SplitCardFormInner({
       setExpandedApmMethod(null);
     }, TRANSITION_MS);
   }, []);
-  useEffect5(() => {
-    if (layout === "buttons" && initialCardOpen) {
+  useEffect4(() => {
+    if (layout === "buttons" && initialCardOpen && vaultCapabilityAvailable) {
       setViewState("card");
     }
-  }, [layout, initialCardOpen]);
-  const [fullName, setFullName] = useState3("");
-  const [formReady, setFormReady] = useState3(false);
+  }, [layout, initialCardOpen, vaultCapabilityAvailable]);
   const [overlayStatus, setOverlayStatus] = useState3(null);
-  const processingRef = useRef5(false);
+  const processingRef = useRef4(false);
   const [paypalDirectRetry, setPaypalDirectRetry] = useState3(null);
-  const paypalDirectRetryRef = useRef5(paypalDirectRetry);
-  useEffect5(() => {
+  const paypalDirectRetryRef = useRef4(paypalDirectRetry);
+  useEffect4(() => {
     paypalDirectRetryRef.current = paypalDirectRetry;
   }, [paypalDirectRetry]);
   const resolvedBillingApiUrl = billingApiUrl || contextBillingUrl;
@@ -3694,7 +3828,6 @@ function SplitCardFormInner({
   }, [appearance, bStyles, layout]);
   const isInlineSessionPatchProcessing = checkout.inlineSessionPatchProcessing ?? false;
   const isSubmitting = (externalProcessing ?? processing) || isInlineSessionPatchProcessing;
-  const isSelfContained = !onTokenizedBody;
   const baseUrl = resolvedBillingApiUrl.replace(/\/+$/, "");
   const resolvedAccount = useMemo3(() => mergeAccountPatch({
     userId,
@@ -3704,6 +3837,7 @@ 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 = useMemo3(() => {
     if (!flopay) return null;
     return flopay.getRawProvider();
@@ -3760,11 +3894,11 @@ function SplitCardFormInner({
     },
     [onErrorChange]
   );
-  useEffect5(() => {
+  useEffect4(() => {
     if (!vaultActive || !cardCapture) return;
     cardCapture.setCardFieldOrder?.(cardFieldOrder ?? null, avsConfig == null);
   }, [vaultActive, cardCapture, cardFieldOrder, avsConfig]);
-  useEffect5(() => {
+  useEffect4(() => {
     if (viewState === "expanding" || viewState === "collapsing" || viewState === "apm-expanding" || viewState === "apm-collapsing") {
       updateError(null);
     }
@@ -3799,7 +3933,7 @@ function SplitCardFormInner({
     },
     [layout, onError, updateError]
   );
-  useEffect5(() => {
+  useEffect4(() => {
     if (!vaultActive || !sessionId) {
       setVaultMount(null);
       return;
@@ -3837,13 +3971,12 @@ function SplitCardFormInner({
     nonce,
     updateError
   ]);
-  const vaultOutcomeRef = useRef5({
+  const vaultOutcomeRef = useRef4({
     onComplete,
     onError,
     updateError,
     emitDecline,
     resolvedAccount,
-    fullName,
     avsConfig,
     avsCheckProp,
     sessionId,
@@ -3856,16 +3989,15 @@ function SplitCardFormInner({
     updateError,
     emitDecline,
     resolvedAccount,
-    fullName,
     avsConfig,
     avsCheckProp,
     sessionId,
     nonce,
     baseUrl
   };
-  const vaultCompletedRef = useRef5(false);
+  const vaultCompletedRef = useRef4(false);
   const buildVaultAccountSnapshot = useCallback3(() => {
-    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 ? isAVSFieldVisible(avsConfig2.state, cc) : false;
     const line1Visible = avsConfig2 ? isAVSFieldVisible(avsConfig2.address_line_1, cc) : false;
@@ -3878,8 +4010,8 @@ 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 } : {},
@@ -3900,11 +4032,11 @@ function SplitCardFormInner({
       } : {}
     };
   }, []);
-  useEffect5(() => {
+  useEffect4(() => {
     if (!vaultActive || !cardCapture) return;
     cardCapture.setSubmitGate?.(avsInvalid);
   }, [vaultActive, cardCapture, avsInvalid]);
-  useEffect5(() => {
+  useEffect4(() => {
     if (!vaultActive || !cardCapture) return;
     vaultCompletedRef.current = false;
     let cancelled = false;
@@ -4007,21 +4139,25 @@ function SplitCardFormInner({
   const [walletLoadState, setWalletLoadState] = useState3("loading");
   const [paymentElementLoadState, setPaymentElementLoadState] = useState3("loading");
   const [directPaypalReady, setDirectPaypalReady] = useState3(false);
+  const [directPaypalInitializationState, setDirectPaypalInitializationState] = useState3("loading");
   const [inAppBrowserDetected, setInAppBrowserDetected] = useState3();
-  useEffect5(() => {
+  useEffect4(() => {
     setInAppBrowserDetected(isInAppBrowser());
   }, []);
   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 validationFiredRef = useRef5(false);
-  useEffect5(() => {
+  const expressSurfaceUsable = (state) => state === "loading" || state === "ready";
+  const hasUsableNonCardCapability = shouldRenderDirectPayPal || shouldRenderStripePayPal && expressSurfaceUsable(paypalLoadState) || shouldRenderWallets && expressSurfaceUsable(walletLoadState) || shouldRenderPaymentElement && paymentElementLoadState !== "load_error";
+  const validationFiredRef = useRef4(false);
+  useEffect4(() => {
     if (validationFiredRef.current) return;
     if (!showStripe && !showPayPal) {
       validationFiredRef.current = true;
@@ -4039,10 +4175,29 @@ function SplitCardFormInner({
       );
       onError?.(err);
       updateError(err.message);
+    } else if (inAppBrowserDetected !== void 0 && !vaultCapabilityAvailable && !hasUsableNonCardCapability) {
+      validationFiredRef.current = true;
+      const err = new FloPayError3(
+        "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]);
-  const deprecationLoggedRef = useRef5(false);
-  useEffect5(() => {
+  }, [
+    showStripe,
+    showPayPal,
+    directPaypalConfigured,
+    paypalStripeInstance,
+    inAppBrowserDetected,
+    vaultCapabilityAvailable,
+    hasUsableNonCardCapability,
+    onError,
+    updateError
+  ]);
+  const deprecationLoggedRef = useRef4(false);
+  useEffect4(() => {
     if (deprecationLoggedRef.current) return;
     if (!hasEnabledMethods) return;
     const stale = [];
@@ -4054,13 +4209,6 @@ 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 = useCallback3((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 = useCallback3(
     (patch, method) => {
       if (!checkout.applyInlineSessionPatch) {
@@ -4141,8 +4289,8 @@ 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 = isAVSFieldVisible(avsConfig.state, c);
@@ -4190,70 +4338,6 @@ 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 && 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 && isAVSFieldVisible(avsConfig.address_line_1, retryCC) && addressLine1Ref.current.trim()) retryBillingAddress["line1"] = addressLine1Ref.current.trim();
-            if (avsConfig && isAVSFieldVisible(avsConfig.address_line_2, retryCC) && addressLine2Ref.current.trim()) retryBillingAddress["line2"] = addressLine2Ref.current.trim();
-            if (avsConfig && isAVSFieldVisible(avsConfig.city, retryCC) && cityRef.current.trim()) retryBillingAddress["city"] = cityRef.current.trim();
-            if (avsConfig && isAVSFieldVisible(avsConfig.state, retryCC) && stateRef.current.trim()) {
-              retryBillingAddress["state"] = stateRef.current.trim();
-            } else if (avsConfig && isAVSFieldVisible(avsConfig.address_line_1, retryCC) && !isAVSFieldVisible(avsConfig.state, retryCC) && isAVSFieldVisible(avsConfig.postal_code, retryCC)) {
-              const derivedRetryState = 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 || "";
@@ -4307,6 +4391,8 @@ function SplitCardFormInner({
             emitDecline("paypal", "paypal_direct_required retry limit exceeded");
             return;
           }
+          setDirectPaypalReady(false);
+          setDirectPaypalInitializationState("loading");
           setPaypalDirectRetry({ orderId, attempts: prevAttempts + 1 });
           setOverlayStatus(null);
           return;
@@ -4329,7 +4415,7 @@ 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 = useCallback3(
     (tokenizedBody, overrides) => {
@@ -4341,35 +4427,8 @@ function SplitCardFormInner({
     },
     [onTokenizedBody, processPaymentInternal]
   );
-  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 = useRef5(false);
-  useEffect5(() => {
+  const stripeResumeAttemptedRef = useRef4(false);
+  useEffect4(() => {
     if (typeof window === "undefined" || stripeResumeAttemptedRef.current) return;
     const params = new URLSearchParams(window.location.search);
     const paymentIntentId = params.get("payment_intent");
@@ -4430,7 +4489,7 @@ 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);
@@ -4447,165 +4506,10 @@ function SplitCardFormInner({
       }, persistedOverrides);
     })();
   }, [sessionId, dispatchTokenizedBody, flopay, updateError, emitDecline]);
-  const handleSubmit = useCallback3(
-    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,
-            isAVSFieldVisible(avsConfig.postal_code, country)
-          );
-          if (postal.empty) {
-            setZipTouched(true);
-            updateError(getPostalCodeLabel(country) + " is required");
-            return;
-          }
-          if (postal.malformed) {
-            setZipTouched(true);
-            updateError(malformedPostcodeMessage(country));
-            return;
-          }
-          if (isAVSFieldVisible(avsConfig.address_line_1, country) && !addressLine1Ref.current.trim()) {
-            updateError("Street address is required");
-            return;
-          }
-          if (isAVSFieldVisible(avsConfig.city, country) && !cityRef.current.trim()) {
-            updateError("City is required");
-            return;
-          }
-          if (isAVSFieldVisible(avsConfig.state, country) && !stateRef.current.trim()) {
-            updateError(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 && 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 && isAVSFieldVisible(avsConfig.address_line_1, cc) && addressLine1Ref.current.trim()) billingAddress["line1"] = addressLine1Ref.current.trim();
-        if (avsConfig && isAVSFieldVisible(avsConfig.address_line_2, cc) && addressLine2Ref.current.trim()) billingAddress["line2"] = addressLine2Ref.current.trim();
-        if (avsConfig && isAVSFieldVisible(avsConfig.city, cc) && cityRef.current.trim()) billingAddress["city"] = cityRef.current.trim();
-        if (avsConfig && isAVSFieldVisible(avsConfig.state, cc) && stateRef.current.trim()) {
-          billingAddress["state"] = stateRef.current.trim();
-        } else if (avsConfig && isAVSFieldVisible(avsConfig.address_line_1, cc) && !isAVSFieldVisible(avsConfig.state, cc) && isAVSFieldVisible(avsConfig.postal_code, cc)) {
-          const derivedSubmitState = 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 FloPayError3("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 FloPayError3("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 FloPayError3("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 = useCallback3((event) => {
+    event.preventDefault();
+  }, []);
+  const isReady = flopay !== null;
   if (!isReady) {
     return /* @__PURE__ */ jsx7("div", { "data-testid": "flopay-loading", "aria-busy": "true", children: "Loading payment form..." });
   }
@@ -4648,21 +4552,6 @@ 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;
@@ -4675,7 +4564,6 @@ 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"]');
@@ -4719,7 +4607,7 @@ function SplitCardFormInner({
       children: "Loading secure card form\u2026"
     }
   );
-  const cardFormBlock = /* @__PURE__ */ jsxs4("div", { style: {
+  const cardFormBlock = /* @__PURE__ */ jsxs5("div", { style: {
     backgroundColor: cardBg,
     borderRadius: containerRadius,
     ...containerOverrides,
@@ -4741,14 +4629,14 @@ function SplitCardFormInner({
           font-weight: var(--flopay-input-font-weight);
         }
       ` }),
-    isButtons && showCardForm && /* @__PURE__ */ jsxs4("div", { style: {
+    isButtons && showCardForm && /* @__PURE__ */ jsxs5("div", { style: {
       display: "flex",
       alignItems: "center",
       padding: "0.75rem 0 0.625rem",
       // Keep the header on top when AVS is ordered above the card on vault.
       order: vaultActive ? -2 : 0
     }, children: [
-      /* @__PURE__ */ jsxs4(
+      /* @__PURE__ */ jsxs5(
         "button",
         {
           type: "button",
@@ -4806,68 +4694,6 @@ function SplitCardFormInner({
       order: vaultActive ? -3 : 0,
       ...bStyles.title
     }, children: /* @__PURE__ */ jsx7(TitleContentSlot, { content: cardTitleContent }) }),
-    !vaultActive && /* @__PURE__ */ jsxs4(Fragment2, { children: [
-      /* @__PURE__ */ jsx7("div", { style: {
-        backgroundColor: cardInputBg,
-        border: `1px solid ${resolvedBorder}`,
-        borderTopLeftRadius: resolvedBorderRadius,
-        borderTopRightRadius: resolvedBorderRadius,
-        padding: "10px"
-      }, children: /* @__PURE__ */ jsx7(CardNumberElement, { onReady: () => setFormReady(true), options: stripeElementStyle }) }),
-      /* @__PURE__ */ jsxs4("div", { style: { display: "flex" }, children: [
-        /* @__PURE__ */ jsx7("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__ */ jsx7(CardExpiryElement, { options: stripeElementStyle }) }),
-        /* @__PURE__ */ jsx7("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__ */ jsx7(CardCvcElement, { options: stripeElementStyle }) })
-      ] })
-    ] }),
-    !vaultActive && /* @__PURE__ */ jsx7("div", { style: {
-      backgroundColor: cardInputBg,
-      border: `1px solid ${resolvedBorder}`,
-      borderRadius: resolvedBorderRadius,
-      marginTop: "0.5rem",
-      padding: "10px"
-    }, children: /* @__PURE__ */ jsx7(
-      "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__ */ jsx7("div", { style: { order: vaultActive ? -1 : 0 }, "data-testid": "flopay-avs-fields", children: (() => {
       const cc = selectedCountry;
       const inputWrapStyle = (invalid = false) => ({
@@ -4885,7 +4711,7 @@ function SplitCardFormInner({
         ...sharedInputTypography
       });
       const stateOpts = getStateOptions(cc);
-      return /* @__PURE__ */ jsxs4(Fragment2, { children: [
+      return /* @__PURE__ */ jsxs5(Fragment2, { children: [
         isAVSFieldVisible(avsConfig.address_line_1, cc) && /* @__PURE__ */ jsx7("div", { style: inputWrapStyle(invalidAvsFields.line1), children: /* @__PURE__ */ jsx7(
           "input",
           {
@@ -4923,7 +4749,7 @@ function SplitCardFormInner({
             style: inputFieldStyle()
           }
         ) }),
-        (isAVSFieldVisible(avsConfig.city, cc) || isAVSFieldVisible(avsConfig.state, cc)) && /* @__PURE__ */ jsxs4("div", { style: {
+        (isAVSFieldVisible(avsConfig.city, cc) || isAVSFieldVisible(avsConfig.state, cc)) && /* @__PURE__ */ jsxs5("div", { style: {
           display: "flex",
           gap: "0",
           marginTop: "0.5rem"
@@ -4966,7 +4792,7 @@ function SplitCardFormInner({
             borderTopRightRadius: resolvedBorderRadius,
             borderBottomRightRadius: resolvedBorderRadius,
             ...isAVSFieldVisible(avsConfig.city, cc) ? { borderTopLeftRadius: 0, borderBottomLeftRadius: 0 } : { borderRadius: resolvedBorderRadius }
-          }, children: stateOpts ? /* @__PURE__ */ jsxs4(
+          }, children: stateOpts ? /* @__PURE__ */ jsxs5(
             "select",
             {
               id: "flopay-billing-state",
@@ -5006,7 +4832,7 @@ function SplitCardFormInner({
             }
           ) })
         ] }),
-        (isAVSFieldVisible(avsConfig.country, cc) || isAVSFieldVisible(avsConfig.postal_code, cc)) && /* @__PURE__ */ jsxs4("div", { style: {
+        (isAVSFieldVisible(avsConfig.country, cc) || isAVSFieldVisible(avsConfig.postal_code, cc)) && /* @__PURE__ */ jsxs5("div", { style: {
           display: "flex",
           flexDirection: avsLayoutProp === "column" ? "column" : "row",
           gap: avsLayoutProp === "column" ? "0.5rem" : "0",
@@ -5038,7 +4864,7 @@ function SplitCardFormInner({
               autoComplete: "billing country",
               "data-testid": "flopay-country",
               style: { ...inputFieldStyle(), cursor: "pointer" },
-              children: COUNTRY_OPTIONS.map((c) => /* @__PURE__ */ jsxs4("option", { value: c.code, children: [
+              children: COUNTRY_OPTIONS.map((c) => /* @__PURE__ */ jsxs5("option", { value: c.code, children: [
                 c.flag,
                 " ",
                 c.name
@@ -5094,53 +4920,7 @@ function SplitCardFormInner({
     })() }),
     vaultActive && cardPreFormSlot && /* @__PURE__ */ jsx7("div", { style: { order: -2, width: "100%" }, children: cardPreFormSlot }),
     vaultActive && vaultCardFieldsNode,
-    displayError && /* @__PURE__ */ jsxs4("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__ */ jsx7("svg", { width: "16", height: "16", viewBox: "0 0 24 24", fill: "none", style: { flexShrink: 0 }, children: /* @__PURE__ */ jsx7("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__ */ jsx7(
-      "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
-      }
-    ))
+    displayError && /* @__PURE__ */ jsx7(ErrorBanner, { margin: "0.75rem 0", styleOverride: bStyles.errorBanner, children: displayError })
   ] });
   const gateDebugStyle = {
     margin: 0,
@@ -5202,11 +4982,11 @@ function SplitCardFormInner({
     const cardButtonSizing = cardButtonContent === void 0 ? { boxSizing: "border-box", height: DEFAULT_BUTTONS_LAYOUT_BUTTON_HEIGHT, padding: "0 1rem" } : { padding: "0.9rem 1rem" };
     const buttonsAnim = viewState === "expanding" || viewState === "apm-expanding" ? `flopay-buttons-exit ${TRANSITION_MS}ms cubic-bezier(0.4, 0, 0.2, 1) both` : viewState === "collapsing" || viewState === "apm-collapsing" ? `flopay-buttons-enter ${TRANSITION_MS}ms cubic-bezier(0, 0, 0.2, 1) both` : void 0;
     const cardAnim = viewState === "expanding" ? `flopay-card-enter ${TRANSITION_MS}ms cubic-bezier(0, 0, 0.2, 1) both` : viewState === "collapsing" ? `flopay-card-exit ${TRANSITION_MS}ms cubic-bezier(0.4, 0, 0.2, 1) both` : void 0;
-    return /* @__PURE__ */ jsxs4("form", { onSubmit: handleSubmit, className, style: { position: "relative" }, children: [
+    return /* @__PURE__ */ jsxs5("form", { onSubmit: handleSubmit, className, style: { position: "relative" }, children: [
       /* @__PURE__ */ jsx7(FloPayKeyframes, {}),
       overlayStatus && /* @__PURE__ */ jsx7(ProcessingOverlay, { status: overlayStatus, errorMessage: displayError }),
-      /* @__PURE__ */ jsxs4("div", { style: { display: "grid" }, children: [
-        /* @__PURE__ */ jsxs4(
+      /* @__PURE__ */ jsxs5("div", { style: { display: "grid" }, children: [
+        /* @__PURE__ */ jsxs5(
           "div",
           {
             "data-testid": "flopay-buttons-panel",
@@ -5223,7 +5003,7 @@ function SplitCardFormInner({
             children: [
               renderDirectPaypalGateDebug("flopay-direct-paypal-gate-debug"),
               renderStripeGateDebug("flopay-stripe-gate-debug"),
-              shouldRenderDirectPayPal && directPaypal && /* @__PURE__ */ jsxs4(Fragment2, { children: [
+              shouldRenderDirectPayPal && directPaypal && /* @__PURE__ */ jsxs5(Fragment2, { children: [
                 paypalDirectRetry && /* @__PURE__ */ jsx7(
                   "div",
                   {
@@ -5260,6 +5040,7 @@ function SplitCardFormInner({
                     runBeforeButtonClick,
                     isProcessing: isSubmitting,
                     onLoadStateChange: setDirectPaypalReady,
+                    onInitializationStateChange: setDirectPaypalInitializationState,
                     session: session ?? null,
                     existingOrderId: paypalDirectRetry?.orderId,
                     debug
@@ -5292,6 +5073,7 @@ function SplitCardFormInner({
                   nonce,
                   email: resolvedAccount.email,
                   billingApiUrl: resolvedBillingApiUrl,
+                  intentKind: totalAmount > 0 ? "payment" : "setup",
                   expressMethods: walletExpressMethods,
                   onTokenizedBody: dispatchTokenizedBody,
                   onErrorChange: updateError,
@@ -5335,7 +5117,7 @@ function SplitCardFormInner({
                   }
                 }
               ),
-              showStripe && /* @__PURE__ */ jsx7(
+              vaultActive && /* @__PURE__ */ jsx7(
                 "button",
                 {
                   type: "button",
@@ -5394,27 +5176,11 @@ function SplitCardFormInner({
                   children: /* @__PURE__ */ jsx7(CardButtonContentSlot, { content: cardButtonContent })
                 }
               ),
-              displayError && viewState === "buttons" && /* @__PURE__ */ jsxs4("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__ */ jsx7("svg", { width: "16", height: "16", viewBox: "0 0 24 24", fill: "none", style: { flexShrink: 0 }, children: /* @__PURE__ */ jsx7("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__ */ jsx7(ErrorBanner, { margin: "0.25rem 0", styleOverride: bStyles.errorBanner, children: displayError })
             ]
           }
         ),
-        showStripe && isCardView && /* @__PURE__ */ jsx7("div", { style: {
+        vaultActive && isCardView && /* @__PURE__ */ jsx7("div", { style: {
           gridArea: "1 / 1",
           ...cardAnim ? { animation: cardAnim } : {},
           ...viewState === "collapsing" ? { pointerEvents: "none" } : {}
@@ -5423,18 +5189,18 @@ function SplitCardFormInner({
           gridArea: "1 / 1",
           ...apmAnim ? { animation: apmAnim } : {},
           ...viewState === "apm-collapsing" ? { pointerEvents: "none" } : {}
-        }, children: /* @__PURE__ */ jsxs4("div", { style: {
+        }, children: /* @__PURE__ */ jsxs5("div", { style: {
           backgroundColor: cardBg,
           borderRadius: containerRadius,
           ...containerOverrides,
           padding: containerPadding
         }, children: [
-          /* @__PURE__ */ jsxs4("div", { style: {
+          /* @__PURE__ */ jsxs5("div", { style: {
             display: "flex",
             alignItems: "center",
             padding: "0.75rem 0 0.625rem"
           }, children: [
-            /* @__PURE__ */ jsxs4(
+            /* @__PURE__ */ jsxs5(
               "button",
               {
                 type: "button",
@@ -5517,24 +5283,24 @@ function SplitCardFormInner({
     ] });
   }
   if (isApmView && expandedApmMethod && apmInlineOptions && stripeInstance && showStripe) {
-    return /* @__PURE__ */ jsxs4("form", { onSubmit: handleSubmit, className, style: { position: "relative" }, children: [
+    return /* @__PURE__ */ jsxs5("form", { onSubmit: handleSubmit, className, style: { position: "relative" }, children: [
       /* @__PURE__ */ jsx7(FloPayKeyframes, {}),
       overlayStatus && /* @__PURE__ */ jsx7(ProcessingOverlay, { status: overlayStatus, errorMessage: displayError }),
       /* @__PURE__ */ jsx7("div", { style: {
         ...apmAnim ? { animation: apmAnim } : {},
         ...viewState === "apm-collapsing" ? { pointerEvents: "none" } : {}
-      }, children: /* @__PURE__ */ jsxs4("div", { style: {
+      }, children: /* @__PURE__ */ jsxs5("div", { style: {
         backgroundColor: cardBg,
         borderRadius: containerRadius,
         ...containerOverrides,
         padding: containerPadding
       }, children: [
-        /* @__PURE__ */ jsxs4("div", { style: {
+        /* @__PURE__ */ jsxs5("div", { style: {
           display: "flex",
           alignItems: "center",
           padding: "0.75rem 0 0.625rem"
         }, children: [
-          /* @__PURE__ */ jsxs4(
+          /* @__PURE__ */ jsxs5(
             "button",
             {
               type: "button",
@@ -5615,13 +5381,13 @@ function SplitCardFormInner({
       ] }) })
     ] });
   }
-  return /* @__PURE__ */ jsxs4("form", { onSubmit: handleSubmit, className, style: { position: "relative" }, children: [
+  return /* @__PURE__ */ jsxs5("form", { onSubmit: handleSubmit, className, style: { position: "relative" }, children: [
     /* @__PURE__ */ jsx7(FloPayKeyframes, {}),
     overlayStatus && /* @__PURE__ */ jsx7(ProcessingOverlay, { status: overlayStatus, errorMessage: displayError }),
-    /* @__PURE__ */ jsxs4("div", { style: { display: "flex", flexDirection: "column", gap: "0.5rem" }, children: [
+    /* @__PURE__ */ jsxs5("div", { style: { display: "flex", flexDirection: "column", gap: "0.5rem" }, children: [
       renderDirectPaypalGateDebug("flopay-direct-paypal-gate-debug-default"),
       renderStripeGateDebug("flopay-stripe-gate-debug-default"),
-      shouldRenderDirectPayPal && directPaypal && /* @__PURE__ */ jsxs4(Fragment2, { children: [
+      shouldRenderDirectPayPal && directPaypal && /* @__PURE__ */ jsxs5(Fragment2, { children: [
         paypalDirectRetry && /* @__PURE__ */ jsx7(
           "div",
           {
@@ -5658,6 +5424,7 @@ function SplitCardFormInner({
             runBeforeButtonClick,
             isProcessing: isSubmitting,
             onLoadStateChange: setDirectPaypalReady,
+            onInitializationStateChange: setDirectPaypalInitializationState,
             session: session ?? null,
             existingOrderId: paypalDirectRetry?.orderId,
             debug
@@ -5690,6 +5457,7 @@ function SplitCardFormInner({
           nonce,
           email: resolvedAccount.email,
           billingApiUrl: resolvedBillingApiUrl,
+          intentKind: totalAmount > 0 ? "payment" : "setup",
           expressMethods: walletExpressMethods,
           onTokenizedBody: dispatchTokenizedBody,
           onErrorChange: updateError,
@@ -5734,7 +5502,7 @@ function SplitCardFormInner({
         }
       )
     ] }),
-    showStripe && (shouldDisplayWalletRow || shouldDisplayPayPalRow || shouldDisplayPaymentElementRow) && /* @__PURE__ */ jsxs4("div", { style: {
+    vaultActive && (shouldDisplayWalletRow || shouldDisplayPayPalRow || shouldDisplayPaymentElementRow) && /* @__PURE__ */ jsxs5("div", { style: {
       display: "flex",
       alignItems: "center",
       gap: "0.75rem",
@@ -5746,7 +5514,7 @@ function SplitCardFormInner({
       /* @__PURE__ */ jsx7("span", { children: "or pay with card" }),
       /* @__PURE__ */ jsx7("div", { style: { flex: 1, height: 1, backgroundColor: "#ddd" } })
     ] }),
-    showStripe && cardFormBlock
+    vaultActive && cardFormBlock
   ] });
 }
 
@@ -5774,6 +5542,9 @@ 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;
@@ -5995,7 +5766,7 @@ 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 FloPayError4(
       message,
       "api_error",
@@ -6003,7 +5774,7 @@ function checkoutProcessErrorToFloPayError(error, fallbackMessage = "Payment fai
         code: error?.gatewayErrorCode
       }
     ),
-    { checkoutMethod }
+    checkoutMethod
   );
 }
 function resolveSavedPaymentReturnUrl(session) {
@@ -6175,13 +5946,13 @@ async function processSavedPaymentForMode({
     if (recoveredRedirect) {
       return recoveredRedirect;
     }
-    throw Object.assign(
+    throw withCheckoutMethod(
       new FloPayError4(
         "Your card requires authentication. Please enter your payment details below.",
         "api_error",
         { code: "authentication_required" }
       ),
-      { checkoutMethod: "card" }
+      "card"
     );
   }
   throw new FloPayError4(
@@ -6209,13 +5980,13 @@ async function handleSavedPaymentRedirectResult(redirectResult, {
   }
   if (redirectResult.type === "3ds_required") {
     if (!attempt3DS || !redirectResult.threeDSecureToken) {
-      throw Object.assign(
+      throw withCheckoutMethod(
         new FloPayError4(
           "Your card requires authentication. Please enter your payment details below.",
           "api_error",
           { code: "authentication_required" }
         ),
-        { checkoutMethod: "card" }
+        "card"
       );
     }
     const isSetupIntent = isSetupIntentClientSecret3(redirectResult.threeDSecureToken);
@@ -6224,13 +5995,13 @@ async function handleSavedPaymentRedirectResult(redirectResult, {
     const retrieved = await retrieveResumeIntent(stripe, redirectResult.threeDSecureToken, isSetupIntent);
     if (retrieved) {
       if (retrieved.error) {
-        throw Object.assign(
+        throw withCheckoutMethod(
           new FloPayError4(
             retrieved.error.message ?? `Failed to retrieve 3DS ${isSetupIntent ? "setup" : "payment"} status.`,
             "api_error",
             { code: retrieved.error.code }
           ),
-          { checkoutMethod: "card" }
+          "card"
         );
       }
       const existingIntent = retrieved.intent;
@@ -6253,13 +6024,13 @@ async function handleSavedPaymentRedirectResult(redirectResult, {
     ) : null;
     if (confirmed) {
       if (confirmed.error) {
-        throw Object.assign(
+        throw withCheckoutMethod(
           new FloPayError4(
             confirmed.error.message ?? "3DS authentication failed.",
             "api_error",
             { code: confirmed.error.code }
           ),
-          { checkoutMethod: "card" }
+          "card"
         );
       }
       paymentIntent = confirmed.intent;
@@ -6268,13 +6039,13 @@ async function handleSavedPaymentRedirectResult(redirectResult, {
         clientSecret: redirectResult.threeDSecureToken
       });
       if (nextAction.error) {
-        throw Object.assign(
+        throw withCheckoutMethod(
           new FloPayError4(
             nextAction.error.message ?? "3DS authentication failed.",
             "api_error",
             { code: nextAction.error.code }
           ),
-          { checkoutMethod: "card" }
+          "card"
         );
       }
       paymentIntent = (isSetupIntent ? nextAction.setupIntent : nextAction.paymentIntent) ?? null;
@@ -6310,17 +6081,17 @@ async function handleSavedPaymentRedirectResult(redirectResult, {
         telemetry
       });
     }
-    throw Object.assign(
+    throw withCheckoutMethod(
       new FloPayError4("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 FloPayError4("PayPal is not available.", "api_error"),
-        { checkoutMethod: "paypal" }
+        "paypal"
       );
     }
     if (redirectResult.paymentMethodId) {
@@ -6328,13 +6099,13 @@ async function handleSavedPaymentRedirectResult(redirectResult, {
         clientSecret: redirectResult.threeDSecureToken
       });
       if (error2) {
-        throw Object.assign(
+        throw withCheckoutMethod(
           new FloPayError4(
             error2.message ?? "PayPal authorization failed.",
             "api_error",
             { code: error2.code }
           ),
-          { checkoutMethod: "paypal" }
+          "paypal"
         );
       }
       return {
@@ -6351,13 +6122,13 @@ async function handleSavedPaymentRedirectResult(redirectResult, {
       redirect: "if_required"
     });
     if (error) {
-      throw Object.assign(
+      throw withCheckoutMethod(
         new FloPayError4(
           error.message ?? "PayPal authorization failed.",
           "api_error",
           { code: error.code }
         ),
-        { checkoutMethod: "paypal" }
+        "paypal"
       );
     }
     return {
@@ -6442,7 +6213,7 @@ async function loadSavedPaymentProviders({
 }
 
 // src/flopay-checkout.tsx
-import { Fragment as Fragment3, jsx as jsx8, jsxs as jsxs5 } from "react/jsx-runtime";
+import { Fragment as Fragment3, jsx as jsx8, jsxs as jsxs6 } from "react/jsx-runtime";
 var DEFAULT_BUTTONS_LAYOUT_BUTTON_HEIGHT2 = 44;
 var PAYPAL_RESUME_STORAGE_KEY = "flopay_checkout_saved_payment_resume";
 var sessionInflightMap = /* @__PURE__ */ new Map();
@@ -6588,7 +6359,6 @@ function FloPayCheckout({
   onComplete,
   onError,
   onDecline,
-  onFullNameChange,
   onCountryChange,
   onZipChange,
   showPayPal = true,
@@ -6610,7 +6380,6 @@ function FloPayCheckout({
   cardFieldOrder,
   cardPreFormSlot,
   avsLayout,
-  submitLabel,
   className,
   initialErrorMessage = null,
   children,
@@ -6626,9 +6395,9 @@ function FloPayCheckout({
   const checkoutLayout = children ? "custom_layout" : layout === "buttons" ? "buttons_layout" : "default_layout";
   const [unified, setUnified] = useState4(null);
   const [flopay, setFloPay] = useState4(null);
-  const flopayRef = useRef6(null);
+  const flopayRef = useRef5(null);
   const [paypalFlopay, setPaypalFloPay] = useState4(null);
-  const paypalFlopayRef = useRef6(null);
+  const paypalFlopayRef = useRef5(null);
   const [session, setSession] = useState4(null);
   const [resolvedSessionId, setResolvedSessionId] = useState4(sessionIdProp ?? "");
   const activeSessionId = sessionIdProp ?? resolvedSessionId;
@@ -6643,28 +6412,53 @@ function FloPayCheckout({
   const [createSessionPatch, setCreateSessionPatch] = useState4(void 0);
   const [createSessionPatchBaseHash, setCreateSessionPatchBaseHash] = useState4("");
   const [cardBootstrapPending, setCardBootstrapPending] = useState4(false);
-  const autoCheckoutAttempted = useRef6(false);
-  const paypalResumeAttempted = useRef6(false);
-  const savedPaymentKeysRef = useRef6(null);
+  const [paypalInitializationState, setPaypalInitializationState] = useState4("loading");
+  const [paypalManualRetryGeneration, setPaypalManualRetryGeneration] = useState4(0);
+  const autoCheckoutAttempted = useRef5(false);
+  const paypalResumeAttempted = useRef5(false);
+  const paypalInitializationErrorEmittedRef = useRef5(false);
+  const savedPaymentKeysRef = useRef5(null);
   const telemetryCheckoutContext = useMemo4(() => ({
     checkoutMode: checkoutModeProp ?? currentMode,
     layout: children ? "unknown" : layout === "buttons" ? "buttons" : "embedded"
   }), [checkoutModeProp, children, currentMode, layout]);
-  const onCompleteRef = useRef6(onComplete);
+  const onCompleteRef = useRef5(onComplete);
   onCompleteRef.current = onComplete;
-  const onErrorRef = useRef6(onError);
+  const onErrorRef = useRef5(onError);
   onErrorRef.current = onError;
-  const onDeclineRef = useRef6(onDecline);
+  const onDeclineRef = useRef5(onDecline);
   onDeclineRef.current = onDecline;
-  useEffect6(() => {
+  useEffect5(() => {
     getFloPayTelemetryBridge(flopay)?.setCheckoutContext(telemetryCheckoutContext);
     if (paypalFlopay && paypalFlopay !== flopay) {
       getFloPayTelemetryBridge(paypalFlopay)?.setCheckoutContext(telemetryCheckoutContext);
     }
   }, [flopay, paypalFlopay, telemetryCheckoutContext]);
-  const onSessionCompletedRef = useRef6(onSessionCompleted);
+  const onSessionCompletedRef = useRef5(onSessionCompleted);
   onSessionCompletedRef.current = onSessionCompleted;
-  useEffect6(() => {
+  const handlePayPalInitializationStateChange = useCallback4(
+    (state) => {
+      setPaypalInitializationState(state);
+      if (state !== "exhausted" || paypalInitializationErrorEmittedRef.current) return;
+      paypalInitializationErrorEmittedRef.current = true;
+      onErrorRef.current?.(new FloPayError5(
+        "PayPal is temporarily unavailable. Please try again.",
+        "api_error",
+        { code: "paypal_init_timeout" }
+      ));
+    },
+    []
+  );
+  const retryPayPalInitialization = useCallback4(() => {
+    setPaypalInitializationState("retrying");
+    setPaypalManualRetryGeneration((generation) => generation + 1);
+  }, []);
+  useEffect5(() => {
+    setPaypalInitializationState("loading");
+    setPaypalManualRetryGeneration(0);
+    paypalInitializationErrorEmittedRef.current = false;
+  }, [activeSessionId]);
+  useEffect5(() => {
     console.info("[FloPay] Checkout initialized", {
       sdk_version: SDK_VERSION2,
       checkout_type: checkoutType,
@@ -6692,11 +6486,11 @@ function FloPayCheckout({
     } : void 0,
     [effectiveCreateSessionBase, effectiveCreateSessionMode]
   );
-  useEffect6(() => {
+  useEffect5(() => {
     setCreateSessionPatch(void 0);
     setCreateSessionPatchBaseHash(baseCreateSessionHash);
   }, [baseCreateSessionHash]);
-  useEffect6(() => {
+  useEffect5(() => {
     setModeError(initialErrorMessage);
   }, [initialErrorMessage]);
   const emitDecline = useCallback4(
@@ -6973,7 +6767,7 @@ function FloPayCheckout({
       telemetryCheckoutContext
     ]
   );
-  useEffect6(() => {
+  useEffect5(() => {
     if (typeof window === "undefined" || paypalResumeAttempted.current) {
       return;
     }
@@ -7176,7 +6970,7 @@ function FloPayCheckout({
       }
     })();
   }, [emitDecline, invokeMerchantCallback, locale, normalizeSavedPaymentError, resolvedBillingUrl, telemetry]);
-  const initializedHashRef = useRef6(null);
+  const initializedHashRef = useRef5(null);
   function hashCreateParams(params) {
     const key = JSON.stringify({
       c: params?.clientId,
@@ -7213,12 +7007,12 @@ function FloPayCheckout({
     () => effectiveCreateSession ? hashCreateParams(effectiveCreateSession) : "",
     [effectiveCreateSession]
   );
-  const createSessionParamsRef = useRef6(effectiveCreateSession);
+  const createSessionParamsRef = useRef5(effectiveCreateSession);
   createSessionParamsRef.current = effectiveCreateSession;
-  useEffect6(() => {
+  useEffect5(() => {
     setResolvedSessionId(sessionIdProp ?? "");
   }, [sessionIdProp]);
-  useEffect6(() => {
+  useEffect5(() => {
     autoCheckoutAttempted.current = false;
     setModeError(initialErrorMessage);
     setModeOverlayError(null);
@@ -7410,7 +7204,7 @@ function FloPayCheckout({
     resolvedSessionId,
     session
   ]);
-  useEffect6(() => {
+  useEffect5(() => {
     let cancelled = false;
     setLoadError(null);
     if (createSessionHash) {
@@ -7666,7 +7460,7 @@ function FloPayCheckout({
   ) : null;
   if (isLoading) {
     if (loadingNode) {
-      return /* @__PURE__ */ jsxs5(Fragment3, { children: [
+      return /* @__PURE__ */ jsxs6(Fragment3, { children: [
         loadingNode,
         modeOverlay
       ] });
@@ -7679,8 +7473,8 @@ function FloPayCheckout({
         background: "#e5e7eb",
         animation: "flopay-loading-pulse 1.5s ease-in-out infinite"
       } });
-      return /* @__PURE__ */ jsxs5(Fragment3, { children: [
-        /* @__PURE__ */ jsxs5("div", { style: { display: "flex", flexDirection: "column", gap: "0.5rem" }, children: [
+      return /* @__PURE__ */ jsxs6(Fragment3, { children: [
+        /* @__PURE__ */ jsxs6("div", { style: { display: "flex", flexDirection: "column", gap: "0.5rem" }, children: [
           showPayPal && skeletonBar(DEFAULT_BUTTONS_LAYOUT_BUTTON_HEIGHT2),
           showStripe && (showApplePay || showGooglePay) && skeletonBar(DEFAULT_BUTTONS_LAYOUT_BUTTON_HEIGHT2),
           showStripe && skeletonBar(DEFAULT_BUTTONS_LAYOUT_BUTTON_HEIGHT2),
@@ -7689,8 +7483,8 @@ function FloPayCheckout({
         modeOverlay
       ] });
     }
-    return /* @__PURE__ */ jsxs5(Fragment3, { children: [
-      /* @__PURE__ */ jsxs5("div", { style: { display: "flex", justifyContent: "center", padding: 32 }, children: [
+    return /* @__PURE__ */ jsxs6(Fragment3, { children: [
+      /* @__PURE__ */ jsxs6("div", { style: { display: "flex", justifyContent: "center", padding: 32 }, children: [
         /* @__PURE__ */ jsx8("div", { style: {
           width: 24,
           height: 24,
@@ -7724,7 +7518,7 @@ function FloPayCheckout({
     ) });
   }
   if (shouldShowInterimButtons) {
-    return /* @__PURE__ */ jsxs5(Fragment3, { children: [
+    return /* @__PURE__ */ jsxs6(Fragment3, { children: [
       /* @__PURE__ */ jsx8(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsx8(
         InterimButtonsView,
         {
@@ -7745,44 +7539,43 @@ function FloPayCheckout({
     ] });
   }
   if (isPaypalOnlySession && session && directPaypalConfig) {
-    return /* @__PURE__ */ jsxs5(Fragment3, { children: [
-      /* @__PURE__ */ jsx8(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsxs5("div", { className, style: { display: "flex", flexDirection: "column", gap: "0.5rem" }, children: [
-        modeError && /* @__PURE__ */ jsx8(
+    return /* @__PURE__ */ jsxs6(Fragment3, { children: [
+      /* @__PURE__ */ jsx8(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsxs6("div", { className, style: { display: "flex", flexDirection: "column", gap: "0.5rem" }, children: [
+        modeError && /* @__PURE__ */ jsx8(ErrorBanner, { icon: false, children: modeError }),
+        paypalInitializationState === "retrying" && /* @__PURE__ */ jsx8("div", { role: "status", "aria-live": "polite", children: "PayPal is temporarily unavailable. Retrying\u2026" }),
+        paypalInitializationState === "exhausted" && /* @__PURE__ */ jsxs6("div", { role: "alert", children: [
+          /* @__PURE__ */ jsx8("div", { children: "PayPal is temporarily unavailable. Please try again." }),
+          /* @__PURE__ */ jsx8("button", { type: "button", onClick: retryPayPalInitialization, children: "Retry PayPal" })
+        ] }),
+        paypalInitializationState !== "exhausted" && /* @__PURE__ */ jsx8(
           "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__ */ jsx8(
-          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__ */ jsx8(
+              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}`
+            )
           }
         )
       ] }) }),
@@ -7793,8 +7586,8 @@ function FloPayCheckout({
     return /* @__PURE__ */ jsx8(Fragment3, { children: modeOverlay });
   }
   if (currentMode === "confirm") {
-    return /* @__PURE__ */ jsxs5(Fragment3, { children: [
-      /* @__PURE__ */ jsx8(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsx8(FloPayProvider, { flopay, paypalFlopay, options: providerOptions, children: /* @__PURE__ */ jsxs5("div", { className, children: [
+    return /* @__PURE__ */ jsxs6(Fragment3, { children: [
+      /* @__PURE__ */ jsx8(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsx8(FloPayProvider, { flopay, paypalFlopay, options: providerOptions, children: /* @__PURE__ */ jsxs6("div", { className, children: [
         modeError && /* @__PURE__ */ jsx8(
           "div",
           {
@@ -7835,8 +7628,8 @@ function FloPayCheckout({
       modeOverlay
     ] });
   }
-  return /* @__PURE__ */ jsxs5(Fragment3, { children: [
-    /* @__PURE__ */ jsx8(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsx8(FloPayProvider, { flopay, paypalFlopay, options: providerOptions, children: children ? /* @__PURE__ */ jsxs5(Fragment3, { children: [
+  return /* @__PURE__ */ jsxs6(Fragment3, { children: [
+    /* @__PURE__ */ jsx8(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsx8(FloPayProvider, { flopay, paypalFlopay, options: providerOptions, children: children ? /* @__PURE__ */ jsxs6(Fragment3, { children: [
       modeError && /* @__PURE__ */ jsx8(
         "div",
         {
@@ -7878,7 +7671,6 @@ function FloPayCheckout({
         onDecline,
         error: modeError,
         onErrorChange: setModeError,
-        onFullNameChange,
         showPayPal,
         showStripe,
         enabledPaymentMethods: unified?.data.stripe?.enabledPaymentMethods,
@@ -7907,7 +7699,6 @@ 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",
@@ -7946,10 +7737,6 @@ function SessionInjector({
 }
 function InterimButtonsView({
   onButtonClick,
-  onCardButtonClick,
-  cardLoading = false,
-  cardOpen,
-  errorMessage,
   showPayPal,
   showStripe = true,
   showApplePay,
@@ -7962,12 +7749,6 @@ function InterimButtonsView({
   cardTitleContent
 }) {
   const [showCardForm, setShowCardForm] = useState4(false);
-  const isCardOpenControlled = typeof cardOpen === "boolean";
-  useEffect6(() => {
-    if (isCardOpenControlled) {
-      setShowCardForm(cardOpen);
-    }
-  }, [cardOpen, isCardOpenControlled]);
   const themeBundle = useMemo4(() => resolveTheme2(theme), [theme]);
   const bStyles = useMemo4(() => {
     const base = themeBundle?.buttonsLayout ?? resolveButtonsLayoutTheme2(buttonsTheme);
@@ -7996,25 +7777,20 @@ function InterimButtonsView({
     const inputBg = bStyles.cardInputBackground ?? "white";
     const hideBackButtonLabel = isEmptySlotContent(cardBackButtonContent);
     const hideTitle = isEmptySlotContent(cardTitleContent);
-    return /* @__PURE__ */ jsxs5("div", { style: {
+    return /* @__PURE__ */ jsxs6("div", { style: {
       backgroundColor: bStyles.cardFormContainer?.backgroundColor ?? "white",
       borderRadius: "8px",
       animation: "flopay-interim-expand 0.35s cubic-bezier(0.4, 0, 0.2, 1) both",
       overflow: "hidden",
       ...bStyles.cardFormContainer
     }, children: [
-      /* @__PURE__ */ jsxs5("div", { style: { display: "flex", alignItems: "center", padding: "0.75rem 0 0.625rem" }, children: [
-        /* @__PURE__ */ jsxs5(
+      /* @__PURE__ */ jsxs6("div", { style: { display: "flex", alignItems: "center", padding: "0.75rem 0 0.625rem" }, children: [
+        /* @__PURE__ */ jsxs6(
           "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",
@@ -8026,8 +7802,8 @@ 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: [
@@ -8056,7 +7832,7 @@ function InterimButtonsView({
         }, children: /* @__PURE__ */ jsx8(TitleContentSlot, { content: cardTitleContent }) })
       ] }),
       /* @__PURE__ */ jsx8("div", { style: { backgroundColor: inputBg, border: `1px solid ${inputBorder}`, borderTopLeftRadius: 8, borderTopRightRadius: 8, padding: 12, height: 45 }, children: /* @__PURE__ */ jsx8("div", { style: { width: "60%", height: 14, borderRadius: 4, background: "#e5e7eb", animation: "flopay-interim-pulse 1.5s ease-in-out infinite" } }) }),
-      /* @__PURE__ */ jsxs5("div", { style: { display: "flex" }, children: [
+      /* @__PURE__ */ jsxs6("div", { style: { display: "flex" }, children: [
         /* @__PURE__ */ jsx8("div", { style: {
           flex: 1,
           backgroundColor: inputBg,
@@ -8100,23 +7876,17 @@ function InterimButtonsView({
         ` })
     ] });
   }
-  return /* @__PURE__ */ jsxs5("div", { style: { display: "flex", flexDirection: "column", gap: "0.5rem" }, children: [
+  return /* @__PURE__ */ jsxs6("div", { style: { display: "flex", flexDirection: "column", gap: "0.5rem" }, children: [
     showPayPal && skeleton(DEFAULT_BUTTONS_LAYOUT_BUTTON_HEIGHT2),
     showStripe && (showApplePay || showGooglePay) && skeleton(DEFAULT_BUTTONS_LAYOUT_BUTTON_HEIGHT2),
     showStripe && /* @__PURE__ */ jsx8(
       "button",
       {
         type: "button",
-        onClick: async () => {
-          if (cardLoading) return;
-          if (onCardButtonClick) {
-            await onCardButtonClick();
-            return;
-          }
+        onClick: () => {
           onButtonClick?.("card");
           setShowCardForm(true);
         },
-        disabled: cardLoading,
         style: {
           width: "100%",
           ...cardButtonSizing,
@@ -8126,7 +7896,7 @@ function InterimButtonsView({
           borderRadius: "8px",
           fontSize: bStyles.cardButtonFontSize ?? "0.95rem",
           fontWeight: 600,
-          cursor: cardLoading ? "not-allowed" : "pointer",
+          cursor: "pointer",
           display: "flex",
           alignItems: "center",
           justifyContent: "center",
@@ -8134,7 +7904,7 @@ 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) => {
@@ -8146,377 +7916,77 @@ function InterimButtonsView({
         children: /* @__PURE__ */ jsx8(CardButtonContentSlot, { content: cardButtonContent })
       }
     ),
-    errorMessage && /* @__PURE__ */ jsxs5("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__ */ jsx8("svg", { width: "16", height: "16", viewBox: "0 0 24 24", fill: "none", style: { flexShrink: 0 }, children: /* @__PURE__ */ jsx8("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__ */ jsx8("style", { children: `@keyframes flopay-interim-pulse { 0%,100% { opacity: 1; } 50% { opacity: 0.4; } }` })
   ] });
 }
 
-// src/checkout-form.tsx
-import { PaymentAPI as PaymentAPI5 } from "@flopay/js";
-import { FloPayError as FloPayError6 } from "@flopay/shared";
-import { forwardRef as forwardRef2, useCallback as useCallback5, useEffect as useEffect7, useImperativeHandle as useImperativeHandle2, useState as useState5 } from "react";
-import { Fragment as Fragment4, jsx as jsx9, jsxs as jsxs6 } from "react/jsx-runtime";
-var WALLET_RESUME_KEY = "flopay_wallet_resume";
-var CheckoutForm = forwardRef2(
-  function CheckoutForm2(props, ref) {
-    return /* @__PURE__ */ jsx9(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] = useState5(false);
-  const [error, setError] = useState5(null);
-  const [is3DSActive, setIs3DSActive] = useState5(false);
-  const displayError = externalError ?? error;
-  const isSubmitting = externalProcessing ?? processing;
-  const isSelfContained = !onTokenizedBody;
-  const baseUrl = (billingApiUrl || contextBillingUrl).replace(/\/+$/, "");
-  const updateError = useCallback5(
-    (err) => {
-      setError(err);
-      onErrorChange?.(err);
-    },
-    [onErrorChange]
-  );
-  const emitDecline = useCallback5(
-    (input, overrides) => {
-      onDecline?.(buildDeclineEvent("card", input, overrides));
-    },
-    [onDecline]
-  );
-  const processPaymentInternal = useCallback5(
-    async (tokenizedBody, completionPaymentMethodId) => {
-      setProcessing(true);
-      updateError(null);
-      const resolvedCompletionPaymentMethodId = completionPaymentMethodId ?? resolveTokenizedPaymentMethodId(tokenizedBody);
-      const requestTokenizedBody = tokenizedBody.originalPaymentMethodId ? { ...tokenizedBody, originalPaymentMethodId: void 0 } : tokenizedBody;
-      try {
-        const api = new PaymentAPI5(baseUrl);
-        const response = await api.processPayment(userId ?? "", {
-          sessionId,
-          nonce,
-          tokenizedData: requestTokenizedBody,
-          accountData: {
-            userId: userId ?? "",
-            email: email ?? "",
-            firstName: firstName ?? "",
-            lastName: lastName ?? ""
-          },
-          chv
-        });
-        if (response.ok) {
-          onComplete?.({
-            status: "succeeded",
-            paymentIntentId: tokenizedBody.threeDSecureActionResultTokenId,
-            paymentMethodId: resolvedCompletionPaymentMethodId,
-            checkoutMethod: tokenizedBody.isPaypal ? "paypal" : "card"
-          });
-          return;
-        }
-        const json = await response.json().catch(() => null);
-        if (json?.type === "3ds_required") {
-          const secret = json["threeDSecureToken"];
-          if (!flopay || !secret) {
-            updateError("3DS authentication required but no token provided.");
-            return;
-          }
-          setIs3DSActive(true);
-          try {
-            const retryFullName = `${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 = useCallback5(
-    (tokenizedBody) => {
-      if (onTokenizedBody) {
-        onTokenizedBody(tokenizedBody);
-      } else {
-        processPaymentInternal(tokenizedBody);
-      }
-    },
-    [onTokenizedBody, processPaymentInternal]
-  );
-  useImperativeHandle2(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]);
-  useEffect7(() => {
-    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 = useCallback5(
-    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 ?? ""} ${lastName ?? ""}`.trim();
-        const pmResult = await flopay.createPaymentMethod({
-          ...email ? { email } : {},
-          ...fullName ? { name: fullName } : {}
-        });
-        if (pmResult.error || !pmResult.paymentMethodId) {
-          updateError(pmResult.error?.message ?? "Failed to create payment method.");
-          return;
-        }
-        if (!sessionId || !email) {
-          throw new FloPayError6("Missing sessionId or email", "validation_error");
-        }
-        const intentHeaders = { "Content-Type": "application/json" };
-        if (nonce) intentHeaders["x-checkout-session-token"] = nonce;
-        const intentResponse = await fetch(`${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 FloPayError6("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;
+// src/elements.tsx
+import { useEffect as useEffect6, useRef as useRef6, useContext as useContext3 } from "react";
+import { jsx as jsx9 } from "react/jsx-runtime";
+function createElementComponent(elementType, displayName) {
+  function ElementComponent({
+    className,
+    id,
+    style,
+    options,
+    onChange,
+    onReady,
+    onFocus,
+    onBlur,
+    onEscape
+  }) {
+    const containerRef = useRef6(null);
+    const elementRef = useRef6(null);
+    const { elements, reportInteractive } = useContext3(FloPayContext);
+    useEffect6(() => {
+      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 FloPayError6("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__ */ jsxs6("form", { onSubmit: handleSubmit, className, style: { position: "relative" }, children: [
-    (is3DSActive || isSubmitting) && /* @__PURE__ */ jsx9("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__ */ jsx9("div", { "data-testid": "flopay-loading", "aria-busy": "true", children: "Loading payment form..." }),
-    isReady && /* @__PURE__ */ jsxs6(Fragment4, { children: [
-      /* @__PURE__ */ jsx9(PaymentElement, { options: { layout } }),
-      showAddress && /* @__PURE__ */ jsx9(AddressElement, { options: { mode: showAddress === true ? "billing" : showAddress } }),
-      displayError && /* @__PURE__ */ jsx9("div", { role: "alert", "data-testid": "flopay-error", style: { color: "red", margin: "0.75rem 0" }, children: displayError }),
-      children ?? /* @__PURE__ */ jsx9(
-        "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__ */ jsx9("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
-import { PaymentAPI as PaymentAPI6 } from "@flopay/js";
-import { FloPayError as FloPayError7 } from "@flopay/shared";
-import { useCallback as useCallback6, useEffect as useEffect8, useRef as useRef7, useState as useState6 } from "react";
-import { Fragment as Fragment5, jsx as jsx10, jsxs as jsxs7 } from "react/jsx-runtime";
+import { PaymentAPI as PaymentAPI5 } from "@flopay/js";
+import { FloPayError as FloPayError6 } from "@flopay/shared";
+import { useCallback as useCallback5, useEffect as useEffect7, useRef as useRef7, useState as useState5 } from "react";
+import { Fragment as Fragment4, jsx as jsx10, jsxs as jsxs7 } from "react/jsx-runtime";
 function PayPalButton({
   sessionId,
   nonce,
@@ -8534,14 +8004,14 @@ function PayPalButton({
   const flopay = useFloPay();
   const elements = useElements();
   const contextBillingUrl = useBillingApiUrl();
-  const [ready, setReady] = useState6(false);
-  const [submitting, setSubmitting] = useState6(false);
+  const [ready, setReady] = useState5(false);
+  const [submitting, setSubmitting] = useState5(false);
   const paypalResumeAttempted = useRef7(false);
   const baseUrl = (billingApiUrl || contextBillingUrl).replace(/\/+$/, "");
-  const processPaymentInternal = useCallback6(
+  const processPaymentInternal = useCallback5(
     async (tokenizedBody) => {
       try {
-        const api = new PaymentAPI6(baseUrl);
+        const api = new PaymentAPI5(baseUrl);
         const response = await api.processPayment(userId ?? "", {
           sessionId,
           nonce,
@@ -8566,7 +8036,7 @@ function PayPalButton({
     },
     [baseUrl, sessionId, nonce, userId, email, firstName, lastName, chv, onComplete, onErrorChange]
   );
-  const dispatchTokenizedBody = useCallback6(
+  const dispatchTokenizedBody = useCallback5(
     (body) => {
       if (onTokenizedBody) {
         onTokenizedBody(body);
@@ -8576,7 +8046,7 @@ function PayPalButton({
     },
     [onTokenizedBody, processPaymentInternal]
   );
-  useEffect8(() => {
+  useEffect7(() => {
     if (!flopay || paypalResumeAttempted.current) return;
     const params = new URLSearchParams(window.location.search);
     const paymentIntentId = params.get("payment_intent");
@@ -8624,13 +8094,13 @@ function PayPalButton({
       }
     })();
   }, [flopay, dispatchTokenizedBody, onErrorChange]);
-  const handlePayPalConfirm = useCallback6(async () => {
+  const handlePayPalConfirm = useCallback5(async () => {
     if (!flopay || !elements) return;
     try {
       setSubmitting(true);
       onErrorChange?.(null);
       if (!sessionId || !email) {
-        throw new FloPayError7("Missing sessionId or email for PayPal payment", "validation_error");
+        throw new FloPayError6("Missing sessionId or email for PayPal payment", "validation_error");
       }
       const result = await flopay.confirmPayPalPayment({
         billingApiUrl: baseUrl,
@@ -8660,7 +8130,7 @@ function PayPalButton({
   if (!flopay || !elements) {
     return /* @__PURE__ */ jsx10("div", { style: { height: 45, background: "#f0f0f0", borderRadius: 6, animation: "pulse 1.5s infinite" } });
   }
-  return /* @__PURE__ */ jsxs7(Fragment5, { children: [
+  return /* @__PURE__ */ jsxs7(Fragment4, { children: [
     !ready && /* @__PURE__ */ jsx10("div", { style: { height: 45, background: "#f0f0f0", borderRadius: 6 } }),
     /* @__PURE__ */ jsx10("div", { style: ready ? {} : { display: "none" }, children: /* @__PURE__ */ jsx10(
       "button",
@@ -8704,19 +8174,19 @@ function PayPalButton({
 }
 
 // src/automatic-payment-button.tsx
-import { useCallback as useCallback7, useEffect as useEffect9, useMemo as useMemo5, useRef as useRef8, useState as useState7 } from "react";
-import { PaymentAPI as PaymentAPI7 } from "@flopay/js";
-import { FloPayError as FloPayError8, resolveBillingApiUrl as resolveBillingApiUrl4, resolveButtonsLayoutTheme as resolveButtonsLayoutTheme3, resolveTheme as resolveTheme3 } from "@flopay/shared";
-import { Fragment as Fragment6, jsx as jsx11, jsxs as jsxs8 } from "react/jsx-runtime";
+import { useCallback as useCallback6, useEffect as useEffect8, useMemo as useMemo5, useRef as useRef8, useState as useState6 } from "react";
+import { PaymentAPI as PaymentAPI6 } from "@flopay/js";
+import { FloPayError as FloPayError7, resolveBillingApiUrl as resolveBillingApiUrl4, resolveButtonsLayoutTheme as resolveButtonsLayoutTheme3, resolveTheme as resolveTheme3 } from "@flopay/shared";
+import { Fragment as Fragment5, jsx as jsx11, jsxs as jsxs8 } from "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 FloPayError8) {
+  if (err instanceof FloPayError7) {
     return err;
   }
-  return new FloPayError8(
+  return new FloPayError7(
     err instanceof Error ? err.message : fallbackMessage,
     "api_error"
   );
@@ -8819,36 +8289,36 @@ function FloPayAutomaticPaymentButton({
       utmMetadata
     ]
   );
-  const [isProcessing, setIsProcessing] = useState7(false);
-  const [overlayStatus, setOverlayStatus] = useState7(null);
-  const [overlayError, setOverlayError] = useState7(null);
-  const [fallbackSession, setFallbackSession] = useState7(null);
+  const [isProcessing, setIsProcessing] = useState6(false);
+  const [overlayStatus, setOverlayStatus] = useState6(null);
+  const [overlayError, setOverlayError] = useState6(null);
+  const [fallbackSession, setFallbackSession] = useState6(null);
   const isMountedRef = useRef8(true);
   const threeDsAbortRef = useRef8(null);
   const fallbackSessionRef = useRef8(fallbackSession);
   const onSuccessRef = useRef8(onSuccess);
   const onErrorRef = useRef8(onError);
   const onDeclineRef = useRef8(onDecline);
-  useEffect9(() => {
+  useEffect8(() => {
     fallbackSessionRef.current = fallbackSession;
   }, [fallbackSession]);
-  useEffect9(() => {
+  useEffect8(() => {
     onSuccessRef.current = onSuccess;
   }, [onSuccess]);
-  useEffect9(() => {
+  useEffect8(() => {
     onErrorRef.current = onError;
   }, [onError]);
-  useEffect9(() => {
+  useEffect8(() => {
     onDeclineRef.current = onDecline;
   }, [onDecline]);
-  useEffect9(() => {
+  useEffect8(() => {
     isMountedRef.current = true;
     return () => {
       isMountedRef.current = false;
       threeDsAbortRef.current?.abort();
     };
   }, []);
-  useEffect9(() => {
+  useEffect8(() => {
     if (typeof window === "undefined") {
       return;
     }
@@ -8862,13 +8332,13 @@ function FloPayAutomaticPaymentButton({
       window.removeEventListener("keydown", handleKeyDown);
     };
   }, []);
-  const emitDecline = useCallback7((error, method = DEFAULT_SAVED_PAYMENT_DECLINE_METHOD) => {
+  const emitDecline = useCallback6((error, method = DEFAULT_SAVED_PAYMENT_DECLINE_METHOD) => {
     onDeclineRef.current?.(buildDeclineEvent(method, error, {
       code: error.code,
       declineCode: error.declineCode
     }));
   }, []);
-  const showSuccess = useCallback7(async (event) => {
+  const showSuccess = useCallback6(async (event) => {
     if (!isMountedRef.current) return;
     setOverlayError(null);
     setOverlayStatus("success");
@@ -8876,7 +8346,7 @@ function FloPayAutomaticPaymentButton({
     if (!isMountedRef.current) return;
     onSuccessRef.current?.(event);
   }, []);
-  const showError = useCallback7(async (error, options) => {
+  const showError = useCallback6(async (error, options) => {
     if (!isMountedRef.current) return;
     onErrorRef.current?.(error);
     if (options?.emitDecline) {
@@ -8886,10 +8356,10 @@ function FloPayAutomaticPaymentButton({
     setOverlayStatus("error");
     await sleep2(PROCESSING_OVERLAY_ERROR_DELAY_MS);
   }, [emitDecline]);
-  const processResolvedSession = useCallback7(async (apiResult, resolvedSessionId, options) => {
+  const processResolvedSession = useCallback6(async (apiResult, resolvedSessionId, options) => {
     const session = apiResult.data.session ?? null;
     if (!session) {
-      throw new FloPayError8("No session data returned", "api_error");
+      throw new FloPayError7("No session data returned", "api_error");
     }
     const effectiveNonce = session.clientSecret || nonce;
     if (session.status === "complete") {
@@ -8902,19 +8372,19 @@ function FloPayAutomaticPaymentButton({
       return;
     }
     if (session.status === "expired") {
-      throw new FloPayError8("Checkout session has expired.", "api_error", {
+      throw new FloPayError7("Checkout session has expired.", "api_error", {
         code: "checkout_session_expired"
       });
     }
     try {
       if (apiResult.autoProcessingPending) {
-        const api = new PaymentAPI7(resolvedBillingUrl);
+        const api = new PaymentAPI6(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 FloPayError8("Automatic payment failed. Please try again.", "api_error", {
+          throw new FloPayError7("Automatic payment failed. Please try again.", "api_error", {
             code: completedSession?.status === "expired" ? "checkout_session_expired" : "checkout_processing_timeout"
           });
         }
@@ -8957,7 +8427,7 @@ function FloPayAutomaticPaymentButton({
               }
             );
           }
-          const api = new PaymentAPI7(resolvedBillingUrl);
+          const api = new PaymentAPI6(resolvedBillingUrl);
           const completed = await api.waitForCheckoutSessionCompletion(resolvedSessionId, {
             initialDelayMs: 0,
             nonce: effectiveNonce
@@ -9042,14 +8512,14 @@ function FloPayAutomaticPaymentButton({
     showError,
     showSuccess
   ]);
-  const handleButtonClick = useCallback7(async (event) => {
+  const handleButtonClick = useCallback6(async (event) => {
     buttonProps.onClick?.(event);
     if (event.defaultPrevented || disabled || isProcessing) {
       return;
     }
     setFallbackSession(null);
     if (sessionId && createSessionDraft) {
-      const error = new FloPayError8(
+      const error = new FloPayError7(
         "Provide either sessionId or create-session props, not both.",
         "validation_error"
       );
@@ -9061,7 +8531,7 @@ function FloPayAutomaticPaymentButton({
       return;
     }
     if (!sessionId && !createSessionDraft) {
-      const error = new FloPayError8(
+      const error = new FloPayError7(
         "Provide a sessionId or the props required to create an automatic payment session.",
         "validation_error"
       );
@@ -9076,7 +8546,7 @@ function FloPayAutomaticPaymentButton({
     setOverlayError(null);
     setOverlayStatus("processing");
     try {
-      const api = new PaymentAPI7(resolvedBillingUrl);
+      const api = new PaymentAPI6(resolvedBillingUrl);
       if (sessionId) {
         const result = await api.getUnifiedCheckoutSession(sessionId, nonce);
         await processResolvedSession(result, sessionId);
@@ -9090,7 +8560,7 @@ function FloPayAutomaticPaymentButton({
           fromCreateSession: true
         });
       } catch (err) {
-        if (err instanceof FloPayError8 && err.code === "session_auto_completed") {
+        if (err instanceof FloPayError7 && err.code === "session_auto_completed") {
           await showSuccess({
             result: { status: "succeeded" },
             session: null,
@@ -9124,7 +8594,7 @@ function FloPayAutomaticPaymentButton({
     showError,
     showSuccess
   ]);
-  const handleFallbackComplete = useCallback7((result) => {
+  const handleFallbackComplete = useCallback6((result) => {
     const activeFallback = fallbackSessionRef.current;
     setFallbackSession(null);
     onSuccessRef.current?.({
@@ -9134,10 +8604,10 @@ function FloPayAutomaticPaymentButton({
       autoCompleted: false
     });
   }, []);
-  const handleFallbackError = useCallback7((error) => {
+  const handleFallbackError = useCallback6((error) => {
     onErrorRef.current?.(error);
   }, []);
-  const handleFallbackDecline = useCallback7((decline) => {
+  const handleFallbackDecline = useCallback6((decline) => {
     onDeclineRef.current?.(decline);
   }, []);
   const themeBundle = useMemo5(() => resolveTheme3(theme), [theme]);
@@ -9168,7 +8638,7 @@ function FloPayAutomaticPaymentButton({
   const resolvedPrimaryHoverColor = resolvedAppearanceVars?.colorPrimaryHover ?? darkenHex(resolvedPrimaryColor, 0.12);
   const resolvedButtonBorderRadius = resolvedAppearanceVars?.borderRadius ?? "8px";
   const cardButtonSizing = children === void 0 ? { boxSizing: "border-box", height: DEFAULT_BUTTONS_LAYOUT_BUTTON_HEIGHT3, padding: "0 1rem" } : { padding: "0.9rem 1rem" };
-  return /* @__PURE__ */ jsxs8(Fragment6, { children: [
+  return /* @__PURE__ */ jsxs8(Fragment5, { children: [
     /* @__PURE__ */ jsx11(
       "button",
       {
@@ -9307,17 +8777,12 @@ function FloPayAutomaticPaymentButton({
 }
 export {
   AddressElement,
-  CardCvcElement,
-  CardElement,
-  CardExpiryElement,
-  CardNumberElement,
-  CheckoutForm,
   DirectPayPalButton,
   FloPayAutomaticPaymentButton,
   FloPayCheckout,
   FloPayProvider,
   PayPalButton,
-  PaymentElement,
+  PaymentElement2 as PaymentElement,
   SplitCardForm,
   VaultCardFields,
   useCheckout,