@flopay/react 1.4.1 → 1.4.3

package/dist/index.mjs

@@ -193,7 +193,7 @@ function FloPayProvider({
 }
 
 // src/flopay-checkout.tsx
-import React9, { 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;
@@ -422,15 +359,15 @@ 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 jsx5, jsxs as jsxs2 } from "react/jsx-runtime";
+import { jsx as jsx4, jsxs as jsxs2 } from "react/jsx-runtime";
 function ErrorBanner({
   children,
   margin,
@@ -455,7 +392,7 @@ function ErrorBanner({
         ...styleOverride ?? {}
       },
       children: [
-        icon && /* @__PURE__ */ jsx5("svg", { width: "16", height: "16", viewBox: "0 0 24 24", fill: "none", style: { flexShrink: 0 }, children: /* @__PURE__ */ jsx5(
+        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",
@@ -486,41 +423,41 @@ var PAYMENT_METHOD_LOGO_URLS = {
 };
 
 // src/split-card-form.tsx
-import React8, { 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 jsx6, jsxs as jsxs3 } 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({
   status,
   errorMessage
 }) {
-  return /* @__PURE__ */ jsx6(
+  return /* @__PURE__ */ jsx5(
     "div",
     {
       "data-testid": "flopay-processing-overlay",
@@ -564,14 +501,14 @@ function ProcessingOverlay({
                   xmlns: "http://www.w3.org/2000/svg",
                   style: { animation: "flopay-spin 0.8s linear infinite" },
                   children: [
-                    /* @__PURE__ */ jsx6("circle", { cx: "12", cy: "12", r: "10", stroke: "#e5e7eb", strokeWidth: "3" }),
-                    /* @__PURE__ */ jsx6("path", { d: "M4 12a8 8 0 018-8v3a5 5 0 00-5 5H4z", fill: "#4A49FF" })
+                    /* @__PURE__ */ jsx5("circle", { cx: "12", cy: "12", r: "10", stroke: "#e5e7eb", strokeWidth: "3" }),
+                    /* @__PURE__ */ jsx5("path", { d: "M4 12a8 8 0 018-8v3a5 5 0 00-5 5H4z", fill: "#4A49FF" })
                   ]
                 }
               ),
-              status === "success" && /* @__PURE__ */ jsx6("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__ */ jsx6("circle", { cx: "12", cy: "12", r: "11", fill: "#22c55e" }),
-                /* @__PURE__ */ jsx6(
+              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",
                   {
                     d: "M7 12.5l3 3 7-7",
@@ -587,9 +524,9 @@ function ProcessingOverlay({
                   }
                 )
               ] }) }),
-              status === "error" && /* @__PURE__ */ jsx6("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__ */ jsx6("circle", { cx: "12", cy: "12", r: "11", fill: "#ef4444" }),
-                /* @__PURE__ */ jsx6(
+              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",
                   {
                     d: "M8 8l8 8M16 8l-8 8",
@@ -621,7 +558,7 @@ function ProcessingOverlay({
                 ]
               }
             ),
-            status === "success" && /* @__PURE__ */ jsx6(
+            status === "success" && /* @__PURE__ */ jsx5(
               "p",
               {
                 style: {
@@ -635,7 +572,7 @@ function ProcessingOverlay({
                 children: "You will be automatically redirected, do not close or navigate away from this window."
               }
             ),
-            status === "error" && errorMessage && /* @__PURE__ */ jsx6(
+            status === "error" && errorMessage && /* @__PURE__ */ jsx5(
               "p",
               {
                 style: {
@@ -649,7 +586,7 @@ function ProcessingOverlay({
                 children: errorMessage
               }
             ),
-            /* @__PURE__ */ jsx6("style", { children: `
+            /* @__PURE__ */ jsx5("style", { children: `
           @keyframes flopay-spin { to { transform: rotate(360deg); } }
           @keyframes flopay-pop { 0% { transform: scale(0); } 100% { transform: scale(1); } }
           @keyframes flopay-draw { to { stroke-dashoffset: 0; } }
@@ -774,13 +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,
@@ -796,26 +726,6 @@ 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 intentRequestHeaders(nonce) {
-  const headers = { "Content-Type": "application/json" };
-  if (nonce) headers["x-checkout-session-token"] = nonce;
-  return headers;
-}
 function isSuccessfulPaymentIntentStatus(status) {
   return status === "succeeded" || status === "requires_capture" || status === "processing";
 }
@@ -828,41 +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" };
@@ -931,10 +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) {
@@ -986,8 +866,14 @@ function isPopupBlockedError(err) {
 }
 
 // src/direct-paypal-button.tsx
-import { jsx as jsx7, jsxs as jsxs4 } 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%",
@@ -1002,6 +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;
 }
@@ -1021,6 +910,8 @@ function DirectPayPalButtonImplementation({
   onTechnicalFailure,
   isProcessing = false,
   onLoadStateChange,
+  onInitializationStateChange,
+  allowAutomaticRetry = true,
   onButtonClick,
   runBeforeButtonClick,
   session,
@@ -1049,7 +940,7 @@ function DirectPayPalButtonImplementation({
     telemetryContext?.layout
   ]);
   const floPayTelemetry = useMemo2(() => getFloPayTelemetryBridge(flopay), [flopay]);
-  useEffect4(() => () => {
+  useEffect3(() => () => {
     if (!standaloneTelemetry) return;
     void standaloneTelemetry.flush().catch(() => {
     }).finally(() => standaloneTelemetry.destroy());
@@ -1074,76 +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(() => {
@@ -1162,7 +1081,7 @@ function DirectPayPalButtonImplementation({
     );
     (target ?? containerRef.current)?.focus?.();
   }, []);
-  useEffect4(() => {
+  useEffect3(() => {
     if (!ready || !pendingProviderFocusRef.current) return;
     pendingProviderFocusRef.current = false;
     focusPayPalSurface();
@@ -1245,7 +1164,7 @@ function DirectPayPalButtonImplementation({
     }
     return token;
   };
-  useEffect4(() => {
+  useEffect3(() => {
     const handleVisibilityChange = () => {
       if (document.visibilityState === "visible") {
         scheduleMissingCallbackRecovery();
@@ -1263,11 +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}`);
@@ -1297,7 +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;
@@ -1367,6 +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)}`);
@@ -1374,6 +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 ${reason.slice(0, 140)}`);
@@ -1388,6 +1341,7 @@ function DirectPayPalButtonImplementation({
     if (debug && typeof PerformanceObserver !== "undefined") {
       try {
         perfObserver = new PerformanceObserver((list) => {
+          if (isInactive()) return;
           for (const entry of list.getEntries()) {
             if (!entry.name.toLowerCase().includes("paypal")) continue;
             paypalRequestCount.value += 1;
@@ -1416,17 +1370,13 @@ function DirectPayPalButtonImplementation({
       return lower.includes("zoid destroyed") || lower.includes("destroyed all components") || lower.includes("window closed") || lower.includes("detected container element removed");
     };
     const forwardError = (message) => {
-      if (cancelled) return;
+      if (isInactive()) return;
       if (isZoidLifecycleMessage(message)) return;
       const friendly = applyFriendlyMessageOverride(message) ?? message;
       invokeMerchantCallback(() => onErrorChangeRef.current?.(friendly));
     };
     const markRenderFailed = (message) => {
       if (cancelled) return;
-      if (isZoidLifecycleMessage(message)) {
-        appendDebug(`markRenderFailed:skip-zoid msg=${message.slice(0, 80)}`);
-        return;
-      }
       setFailed(true);
       if (!message.includes("paypal_ineligible")) {
         telemetrySource.error({
@@ -1439,8 +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, {
@@ -1494,41 +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",
@@ -1544,14 +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 currentNonce = prepared?.nonce ?? nonceRef.current;
-      const intentHeaders = intentRequestHeaders(currentNonce);
       telemetrySource.log({
         name: "payment.intent.started",
         stage: "processing",
@@ -1559,22 +1560,25 @@ 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,
+          // Always 'payment': the backend derives order vs subscription from the session's
+          // products and returns it as the response providerObjectType. The order/subscription
+          // split still drives the PayPal JS SDK call locally (see createOrder/createSubscription).
+          intentKind: "payment"
+        },
+        { idempotencyKey: paypalIntentIdempotencyKey }
+      );
+      if (isInactive()) {
+        throw supersededRenderError();
       }
-      const id = json?.data?.id;
-      if (!id) {
+      if (intent.provider !== "paypal") {
         throw new Error(fallbackMessage);
       }
       telemetrySource.log({
@@ -1585,7 +1589,24 @@ 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)");
@@ -1614,9 +1635,11 @@ 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({
@@ -1626,7 +1649,7 @@ 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;
@@ -1651,7 +1674,7 @@ function DirectPayPalButtonImplementation({
           } catch (err) {
             forwardError(err instanceof Error ? err.message : "PayPal capture failed.");
           } finally {
-            setSubmitting(false);
+            if (!isInactive()) setSubmitting(false);
           }
         };
         const buttons = paypal.Buttons({
@@ -1662,11 +1685,20 @@ 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);
@@ -1720,10 +1752,11 @@ 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;
@@ -1737,7 +1770,7 @@ 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) {
@@ -1757,13 +1790,16 @@ 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();
@@ -1776,17 +1812,19 @@ 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) => {
@@ -1814,7 +1852,7 @@ 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}`);
@@ -1834,17 +1872,25 @@ 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",
@@ -1862,24 +1908,22 @@ function DirectPayPalButtonImplementation({
           const message = err instanceof Error ? err.message : "PayPal failed to render.";
           appendDebug(`render:rejected msg=${message.slice(0, 120)}`);
           stopDiagnostics();
-          markRenderFailed(message);
+          handlePreRenderFailure(message);
         });
       }).catch((err) => {
         const message = err instanceof Error ? err.message : "PayPal SDK failed to load.";
         appendDebug(`loadScript:rejected msg=${message.slice(0, 120)}`);
-        markRenderFailed(message);
+        handlePreRenderFailure(message);
       });
     }, 0);
     return () => {
       cancelled = true;
       clearTimeout(startTimer);
+      if (retryTimer) clearTimeout(retryTimer);
       stopDiagnostics();
-      if (activeButtons) {
-        activeButtons.close().catch(() => {
-        });
-      }
+      closeOwnedButtons();
     };
-  }, [baseUrl, clientId, currency, environment, isSubscription, sessionId, existingOrderId, renderGeneration, telemetrySource]);
+  }, [allowAutomaticRetry, baseUrl, clientId, currency, environment, isSubscription, sessionId, existingOrderId, renderGeneration, telemetrySource]);
   const debugPanel = debug ? /* @__PURE__ */ jsxs4(
     "pre",
     {
@@ -1904,8 +1948,8 @@ ${debugLines.join("\n")}`
       ]
     }
   ) : null;
-  if (failed) {
-    return debug ? /* @__PURE__ */ jsx7("div", { children: debugPanel }) : null;
+  if (failed && !initializationConfigChanged) {
+    return debug ? /* @__PURE__ */ jsx6("div", { children: debugPanel }) : null;
   }
   return (
     // Single wrapper so the parent flex container sees exactly one flex item
@@ -1914,39 +1958,52 @@ ${debugLines.join("\n")}`
     // intentionally has no margin/padding so the parent owns all spacing.
     /* @__PURE__ */ jsxs4("div", { children: [
       debugPanel,
-      /* @__PURE__ */ jsxs4("div", { style: { position: "relative", minHeight: DEFAULT_BUTTON_HEIGHT }, children: [
-        !ready && /* @__PURE__ */ jsx7(
-          "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__ */ jsx7(
-          "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__ */ jsx7(
+      /* @__PURE__ */ jsxs4(
+        "div",
+        {
+          "aria-hidden": recovering ? true : void 0,
+          style: recovering ? {
+            position: "relative",
+            height: 0,
+            opacity: 0,
+            pointerEvents: "none"
+          } : { position: "relative", minHeight: DEFAULT_BUTTON_HEIGHT },
+          children: [
+            !ready && !recovering && /* @__PURE__ */ 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,
@@ -1961,18 +2018,34 @@ ${debugLines.join("\n")}`
   );
 }
 function DirectPayPalButton(props) {
-  return /* @__PURE__ */ jsx7(DirectPayPalButtonImplementation, { ...props });
+  return /* @__PURE__ */ jsx6(DirectPayPalButtonImplementation, { ...props });
 }
 function InstrumentedDirectPayPalButton(props) {
-  return /* @__PURE__ */ jsx7(DirectPayPalButtonImplementation, { ...props });
+  return /* @__PURE__ */ jsx6(DirectPayPalButtonImplementation, { ...props });
 }
 
 // src/split-card-form.tsx
 import { FloPayError as FloPayError3, isSetupIntentClientSecret as isSetupIntentClientSecret2, resolveTheme } from "@flopay/shared";
-import { Fragment as Fragment2, jsx as jsx8, jsxs as jsxs5 } 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;
 }
@@ -2084,9 +2157,9 @@ function buildExternalMethodRecoveryMessage(method, popupBlocked) {
   return popupBlocked ? `${base} Allow pop-ups for this site, then try again.` : base;
 }
 function useExternalAttemptReconciliation(onMissingTerminal) {
-  const generationRef = useRef5(0);
-  const invalidatedGenerationRef = useRef5(null);
-  const attemptRef = useRef5(null);
+  const generationRef = useRef4(0);
+  const invalidatedGenerationRef = useRef4(null);
+  const attemptRef = useRef4(null);
   const clearAttemptTimer = useCallback3((targetAttempt = attemptRef.current) => {
     const attempt = targetAttempt;
     if (attempt?.timer) {
@@ -2160,7 +2233,7 @@ function useExternalAttemptReconciliation(onMissingTerminal) {
     attempt.yieldedControl = true;
     clearAttemptTimer(attempt);
   }, [clearAttemptTimer]);
-  useEffect5(() => {
+  useEffect4(() => {
     const handleVisibilityChange = () => {
       if (document.visibilityState === "visible") {
         scheduleRecoveryIfReturned();
@@ -2202,7 +2275,7 @@ function normalizeBeforeButtonClickError(method, err) {
   );
 }
 function FloPayKeyframes() {
-  return /* @__PURE__ */ jsx8("style", { children: FLOPAY_KEYFRAMES });
+  return /* @__PURE__ */ jsx7("style", { children: FLOPAY_KEYFRAMES });
 }
 function toCssSize(value) {
   if (typeof value === "number") return `${value}px`;
@@ -2225,7 +2298,7 @@ function ExpressCheckoutReadySwap({
 }) {
   if (state === "unavailable" || state === "load_error") return null;
   return /* @__PURE__ */ jsxs5("div", { style: { position: "relative", minHeight: 44 }, children: [
-    /* @__PURE__ */ jsx8(
+    /* @__PURE__ */ jsx7(
       "div",
       {
         "data-testid": placeholderTestId,
@@ -2244,7 +2317,7 @@ function ExpressCheckoutReadySwap({
         }
       }
     ),
-    /* @__PURE__ */ jsx8(
+    /* @__PURE__ */ jsx7(
       "div",
       {
         style: {
@@ -2262,11 +2335,9 @@ function ExpressCheckoutReadySwap({
 function isExpressCheckoutRowVisible(state) {
   return state !== "unavailable" && state !== "load_error";
 }
-var SplitCardForm = forwardRef(
-  function SplitCardForm2(props, ref) {
-    return /* @__PURE__ */ jsx8(SplitCardFormInner, { ...props, innerRef: ref });
-  }
-);
+function SplitCardForm(props) {
+  return /* @__PURE__ */ jsx7(SplitCardFormInner, { ...props });
+}
 function PayPalButtonInner({
   sessionId,
   nonce,
@@ -2286,18 +2357,17 @@ 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(/\/+$/, "");
+  const pendingProviderFocusRef = useRef4(false);
+  const attemptContextBySurfaceRef = useRef4(/* @__PURE__ */ new Map());
   const {
     startAttempt,
     finishAttempt,
@@ -2312,7 +2382,7 @@ function PayPalButtonInner({
     setShowRecoveryAction(true);
     setSurfaceKey((key) => key + 1);
   });
-  useEffect5(() => {
+  useEffect4(() => {
     if (showRecoveryAction) recoveryActionRef.current?.focus();
   }, [showRecoveryAction, surfaceKey]);
   const resetSurface = useCallback3(() => {
@@ -2330,7 +2400,7 @@ function PayPalButtonInner({
       (target ?? focusTargetRef.current)?.focus();
     }, 0);
   }, []);
-  useEffect5(() => {
+  useEffect4(() => {
     if (!pendingProviderFocusRef.current) return;
     pendingProviderFocusRef.current = false;
     focusProviderSurface();
@@ -2340,7 +2410,7 @@ function PayPalButtonInner({
     onErrorChange?.(null);
     focusProviderSurface();
   }, [focusProviderSurface, onErrorChange]);
-  useEffect5(() => {
+  useEffect4(() => {
     if (!stripe || paypalResumeAttempted.current) return;
     const params = new URLSearchParams(window.location.search);
     const paymentIntentId = params.get("payment_intent");
@@ -2468,32 +2538,21 @@ function PayPalButtonInner({
         event.paymentFailed({ reason: "fail" });
         return;
       }
-      const intentHeaders = intentRequestHeaders(effectiveNonce);
-      const intentResponse = await fetch(`${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
       };
@@ -2530,6 +2589,17 @@ 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);
         }
@@ -2558,9 +2628,9 @@ function PayPalButtonInner({
     } finally {
       setSubmitting(false);
     }
-  }, [stripe, elements, sessionId, nonce, email, baseUrl, onTokenizedBody, onErrorChange, onDecline, runBeforeButtonClick, recoverTechnicalFailure, finishAttempt, isAttemptCurrent, isAttemptInvalidated, surfaceKey]);
+  }, [stripe, elements, sessionId, nonce, email, billingApiUrl, onTokenizedBody, onErrorChange, onDecline, runBeforeButtonClick, recoverTechnicalFailure, finishAttempt, isAttemptCurrent, isAttemptInvalidated, surfaceKey]);
   return /* @__PURE__ */ jsxs5(Fragment2, { children: [
-    /* @__PURE__ */ jsx8(
+    /* @__PURE__ */ jsx7(
       ExpressCheckoutReadySwap,
       {
         state: loadState,
@@ -2575,7 +2645,7 @@ function PayPalButtonInner({
             "aria-label": "PayPal payment method",
             style: { borderRadius: 8, outlineOffset: 4 },
             children: [
-              showRecoveryAction && /* @__PURE__ */ jsx8(
+              showRecoveryAction && /* @__PURE__ */ jsx7(
                 "button",
                 {
                   ref: recoveryActionRef,
@@ -2586,7 +2656,7 @@ function PayPalButtonInner({
                   children: "Try PayPal again"
                 }
               ),
-              /* @__PURE__ */ jsx8(
+              /* @__PURE__ */ jsx7(
                 ExpressCheckoutElement,
                 {
                   onReady: (event) => setLoadState(resolveExpressCheckoutLoadState(event, ["paypal"])),
@@ -2626,7 +2696,7 @@ function PayPalButtonInner({
         )
       }
     ),
-    submitting && /* @__PURE__ */ jsx8(ProcessingOverlay, { status: "processing" })
+    submitting && /* @__PURE__ */ jsx7(ProcessingOverlay, { status: "processing" })
   ] });
 }
 function WalletButtonInner({
@@ -2634,6 +2704,7 @@ function WalletButtonInner({
   nonce,
   email,
   billingApiUrl,
+  intentKind,
   expressMethods,
   onTokenizedBody,
   onErrorChange,
@@ -2648,20 +2719,19 @@ 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(/\/+$/, "");
-  const focusTargetRef = useRef5(null);
-  const recoveryActionRef = useRef5(null);
+  const focusTargetRef = useRef4(null);
+  const recoveryActionRef = useRef4(null);
   const [surfaceKey, setSurfaceKey] = useState3(0);
   const [showRecoveryAction, setShowRecoveryAction] = useState3(false);
   const [recoveryActionMethod, setRecoveryActionMethod] = useState3("google_pay");
-  const pendingProviderFocusRef = useRef5(false);
-  const lastWalletProviderMethodRef = useRef5("google_pay");
-  const lastWalletMethodRef = useRef5("google_pay");
-  const attemptContextBySurfaceRef = useRef5(/* @__PURE__ */ new Map());
+  const pendingProviderFocusRef = useRef4(false);
+  const lastWalletProviderMethodRef = useRef4("google_pay");
+  const lastWalletMethodRef = useRef4("google_pay");
+  const attemptContextBySurfaceRef = useRef4(/* @__PURE__ */ new Map());
   const {
     startAttempt,
     finishAttempt,
@@ -2677,7 +2747,7 @@ function WalletButtonInner({
     setShowRecoveryAction(true);
     setSurfaceKey((key) => key + 1);
   });
-  useEffect5(() => {
+  useEffect4(() => {
     if (showRecoveryAction) recoveryActionRef.current?.focus();
   }, [showRecoveryAction, surfaceKey]);
   const resetSurface = useCallback3(() => {
@@ -2696,7 +2766,7 @@ function WalletButtonInner({
       (target ?? focusTargetRef.current)?.focus();
     }, 0);
   }, []);
-  useEffect5(() => {
+  useEffect4(() => {
     if (!pendingProviderFocusRef.current) return;
     pendingProviderFocusRef.current = false;
     focusProviderSurface();
@@ -2753,30 +2823,21 @@ function WalletButtonInner({
         if (!effectiveSessionId || !effectiveEmail) {
           throw new Error("Missing sessionId or email for wallet payment");
         }
-        const intentHeaders = intentRequestHeaders(effectiveNonce);
-        const intentResponse = await fetch(`${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)) {
@@ -2786,6 +2847,17 @@ 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);
           }
@@ -2806,7 +2878,7 @@ 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"];
@@ -2827,7 +2899,7 @@ function WalletButtonInner({
     [expressMethods]
   );
   return /* @__PURE__ */ jsxs5(Fragment2, { children: [
-    /* @__PURE__ */ jsx8(
+    /* @__PURE__ */ jsx7(
       ExpressCheckoutReadySwap,
       {
         state: loadState,
@@ -2857,7 +2929,7 @@ function WalletButtonInner({
                   ]
                 }
               ),
-              /* @__PURE__ */ jsx8(
+              /* @__PURE__ */ jsx7(
                 ExpressCheckoutElement,
                 {
                   onReady: (event) => {
@@ -2921,7 +2993,7 @@ function WalletButtonInner({
         )
       }
     ),
-    submitting && /* @__PURE__ */ jsx8(ProcessingOverlay, { status: "processing" })
+    submitting && /* @__PURE__ */ jsx7(ProcessingOverlay, { status: "processing" })
   ] });
 }
 function StripeMethodButton({
@@ -2943,7 +3015,7 @@ function StripeMethodButton({
   const resolvedBackground = brand?.backgroundColor ?? backgroundColor ?? "#ffffff";
   const resolvedBorder = brand?.borderColor ?? borderColor ?? "#d1d5db";
   const resolvedTextColor = brand?.textColor ?? textColor ?? "#262833";
-  return /* @__PURE__ */ jsx8(
+  return /* @__PURE__ */ jsx7(
     "button",
     {
       type: "button",
@@ -2990,7 +3062,7 @@ function StripeMethodButton({
         // Pulse-skeleton parity with the wallet ECE: no spinner, just the
         // status text on top of the pulsing background. Keeps the loading
         // affordance shape-equivalent across both kinds of tile.
-        /* @__PURE__ */ jsx8("span", { style: { margin: "0 auto" }, children: `Connecting to ${getStripeMethodDisplayName(method)}\u2026` })
+        /* @__PURE__ */ jsx7("span", { style: { margin: "0 auto" }, children: `Connecting to ${getStripeMethodDisplayName(method)}\u2026` })
       ) : /* @__PURE__ */ jsxs5(Fragment2, { children: [
         /* @__PURE__ */ jsxs5(
           "span",
@@ -3010,7 +3082,7 @@ function StripeMethodButton({
                 // 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__ */ jsx8(
+                /* @__PURE__ */ jsx7(
                   "img",
                   {
                     src: vendoredLogoUrl,
@@ -3030,7 +3102,7 @@ function StripeMethodButton({
                     }
                   }
                 )
-              ) : brand?.logoSvg ? /* @__PURE__ */ jsx8(
+              ) : brand?.logoSvg ? /* @__PURE__ */ jsx7(
                 "span",
                 {
                   "aria-hidden": "true",
@@ -3045,11 +3117,11 @@ function StripeMethodButton({
                   dangerouslySetInnerHTML: { __html: brand.logoSvg }
                 }
               ) : null,
-              /* @__PURE__ */ jsx8("span", { children: getStripeMethodDisplayName(method) })
+              /* @__PURE__ */ jsx7("span", { children: getStripeMethodDisplayName(method) })
             ]
           }
         ),
-        hasNextStep && /* @__PURE__ */ jsx8(
+        hasNextStep && /* @__PURE__ */ jsx7(
           "svg",
           {
             width: "14",
@@ -3069,7 +3141,7 @@ function StripeMethodButton({
               opacity: 0.7
             },
             "aria-hidden": "true",
-            children: /* @__PURE__ */ jsx8("path", { d: "M9 18l6-6-6-6" })
+            children: /* @__PURE__ */ jsx7("path", { d: "M9 18l6-6-6-6" })
           }
         )
       ] })
@@ -3099,10 +3171,9 @@ 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;
@@ -3133,26 +3204,22 @@ function StripeMethodInlineForm({
       if (!effectiveSessionId || !effectiveEmail) {
         throw new Error("Missing sessionId or email for payment.");
       }
-      const intentHeaders = intentRequestHeaders(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({
@@ -3185,6 +3252,17 @@ 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 piStatus = paymentIntent?.status;
@@ -3234,7 +3312,7 @@ function StripeMethodInlineForm({
     sessionId,
     nonce,
     email,
-    baseUrl,
+    billingApiUrl,
     method,
     onTokenizedBody,
     onErrorChange,
@@ -3242,8 +3320,8 @@ function StripeMethodInlineForm({
   ]);
   void onCancel;
   return /* @__PURE__ */ jsxs5("div", { "data-testid": `flopay-stripe-method-form-${method}`, style: { display: "flex", flexDirection: "column" }, children: [
-    /* @__PURE__ */ jsx8(
-      PaymentElement2,
+    /* @__PURE__ */ jsx7(
+      PaymentElement,
       {
         onReady: () => setLoadState("ready"),
         onLoadError: () => {
@@ -3271,7 +3349,7 @@ function StripeMethodInlineForm({
         }
       }
     ),
-    /* @__PURE__ */ jsx8(
+    /* @__PURE__ */ jsx7(
       "button",
       {
         type: "button",
@@ -3298,7 +3376,7 @@ function StripeMethodInlineForm({
         children: submitting ? "Processing\u2026" : `Pay with ${getStripeMethodDisplayName(method)}`
       }
     ),
-    errorText && /* @__PURE__ */ jsx8(ErrorBanner, { margin: "0.75rem 0 0", children: errorText })
+    errorText && /* @__PURE__ */ jsx7(ErrorBanner, { margin: "0.75rem 0 0", children: errorText })
   ] });
 }
 function StripePaymentElementInner({
@@ -3325,11 +3403,10 @@ function StripePaymentElementInner({
   onExpandApm,
   expandedApmMethod
 }) {
-  const baseUrl = billingApiUrl.replace(/\/+$/, "");
   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) {
@@ -3356,30 +3433,21 @@ function StripePaymentElementInner({
       if (!effectiveSessionId || !effectiveEmail) {
         throw new Error("Missing sessionId or email for payment.");
       }
-      const intentHeaders = intentRequestHeaders(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({
@@ -3420,6 +3488,17 @@ 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 piStatus = paymentIntent?.status;
@@ -3467,7 +3546,7 @@ function StripePaymentElementInner({
     sessionId,
     nonce,
     email,
-    baseUrl,
+    billingApiUrl,
     billingName,
     onTokenizedBody,
     onErrorChange,
@@ -3495,7 +3574,7 @@ function StripePaymentElementInner({
       paymentMethodTypes: [localExpandedMethod]
     };
   }, [localExpandedMethod, paymentElementBaseOptions]);
-  return /* @__PURE__ */ jsx8(
+  return /* @__PURE__ */ jsx7(
     "div",
     {
       "data-testid": "flopay-stripe-payment-element-region",
@@ -3504,8 +3583,8 @@ 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__ */ jsxs5(React8.Fragment, { children: [
-          /* @__PURE__ */ jsx8(
+        return /* @__PURE__ */ jsxs5(React7.Fragment, { children: [
+          /* @__PURE__ */ jsx7(
             StripeMethodButton,
             {
               method,
@@ -3522,12 +3601,12 @@ function StripePaymentElementInner({
               fontFamily: buttonAppearance?.fontFamily
             }
           ),
-          !onExpandApm && localExpandedMethod === method && localInlineElementsOptions && stripeInstance && /* @__PURE__ */ jsx8(
+          !onExpandApm && localExpandedMethod === method && localInlineElementsOptions && stripeInstance && /* @__PURE__ */ jsx7(
             StripeElements,
             {
               stripe: stripeInstance,
               options: localInlineElementsOptions,
-              children: /* @__PURE__ */ jsx8(
+              children: /* @__PURE__ */ jsx7(
                 StripeMethodInlineForm,
                 {
                   method,
@@ -3568,15 +3647,10 @@ function SplitCardFormInner({
   firstName,
   lastName,
   chv,
-  submitLabel = "CONFIRM PAYMENT",
   className,
-  children,
   isProcessing: externalProcessing,
   error: externalError,
   onErrorChange,
-  onFullNameChange,
-  onFirstNameChange,
-  onLastNameChange,
   showPayPal = true,
   showStripe = true,
   enabledPaymentMethods,
@@ -3615,17 +3689,14 @@ 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 ?? "");
@@ -3633,18 +3704,19 @@ 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;
@@ -3676,7 +3748,9 @@ 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;
@@ -3700,18 +3774,16 @@ 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;
@@ -3759,7 +3831,6 @@ 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,
@@ -3769,6 +3840,7 @@ 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();
@@ -3825,11 +3897,11 @@ 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);
     }
@@ -3864,7 +3936,7 @@ function SplitCardFormInner({
     },
     [layout, onError, updateError]
   );
-  useEffect5(() => {
+  useEffect4(() => {
     if (!vaultActive || !sessionId) {
       setVaultMount(null);
       return;
@@ -3902,13 +3974,12 @@ function SplitCardFormInner({
     nonce,
     updateError
   ]);
-  const vaultOutcomeRef = useRef5({
+  const vaultOutcomeRef = useRef4({
     onComplete,
     onError,
     updateError,
     emitDecline,
     resolvedAccount,
-    fullName,
     avsConfig,
     avsCheckProp,
     sessionId,
@@ -3921,16 +3992,15 @@ 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;
@@ -3943,8 +4013,8 @@ 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 } : {},
@@ -3965,11 +4035,11 @@ 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;
@@ -4072,21 +4142,25 @@ 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;
@@ -4104,10 +4178,29 @@ 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 = [];
@@ -4119,13 +4212,6 @@ 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) {
@@ -4206,8 +4292,8 @@ 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);
@@ -4255,70 +4341,6 @@ 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 || "";
@@ -4372,6 +4394,8 @@ function SplitCardFormInner({
             emitDecline("paypal", "paypal_direct_required retry limit exceeded");
             return;
           }
+          setDirectPaypalReady(false);
+          setDirectPaypalInitializationState("loading");
           setPaypalDirectRetry({ orderId, attempts: prevAttempts + 1 });
           setOverlayStatus(null);
           return;
@@ -4394,7 +4418,7 @@ 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) => {
@@ -4406,35 +4430,8 @@ 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");
@@ -4512,166 +4509,12 @@ 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 = intentRequestHeaders(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__ */ jsx8("div", { "data-testid": "flopay-loading", "aria-busy": "true", children: "Loading payment form..." });
+    return /* @__PURE__ */ jsx7("div", { "data-testid": "flopay-loading", "aria-busy": "true", children: "Loading payment form..." });
   }
   const isButtons = layout === "buttons";
   const appearanceVars = appearance?.variables;
@@ -4712,25 +4555,10 @@ 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;
-  const vaultCardFieldsNode = cardCapture && vaultMount ? /* @__PURE__ */ jsx8(
+  const vaultCardFieldsNode = cardCapture && vaultMount ? /* @__PURE__ */ jsx7(
     VaultCardFields,
     {
       capture: cardCapture,
@@ -4739,7 +4567,6 @@ 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"]');
@@ -4768,7 +4595,7 @@ function SplitCardFormInner({
         if (message) setOverlayStatus(null);
       }
     }
-  ) : /* @__PURE__ */ jsx8(
+  ) : /* @__PURE__ */ jsx7(
     "div",
     {
       "data-testid": "flopay-vault-loading",
@@ -4796,7 +4623,7 @@ function SplitCardFormInner({
     display: "flex",
     flexDirection: "column"
   }, children: [
-    /* @__PURE__ */ jsx8("style", { children: `
+    /* @__PURE__ */ jsx7("style", { children: `
         .flopay-shared-input::placeholder {
           color: var(--flopay-input-placeholder-color);
           opacity: 1;
@@ -4834,7 +4661,7 @@ function SplitCardFormInner({
           },
           "aria-label": "Back to payment methods",
           children: [
-            /* @__PURE__ */ jsx8("span", { style: {
+            /* @__PURE__ */ jsx7("span", { style: {
               display: "inline-flex",
               alignItems: "center",
               justifyContent: "center",
@@ -4844,12 +4671,12 @@ function SplitCardFormInner({
               backgroundColor: "#f3f4f6",
               transition: "background-color 0.15s",
               ...bStyles.backButtonIcon
-            }, children: /* @__PURE__ */ jsx8("svg", { width: "14", height: "14", viewBox: "0 0 24 24", fill: "none", stroke: "currentColor", strokeWidth: "2.5", strokeLinecap: "round", strokeLinejoin: "round", children: /* @__PURE__ */ jsx8("path", { d: "M15 18l-6-6 6-6" }) }) }),
-            /* @__PURE__ */ jsx8(BackButtonContentSlot, { content: cardBackButtonContent })
+            }, children: /* @__PURE__ */ jsx7("svg", { width: "14", height: "14", viewBox: "0 0 24 24", fill: "none", stroke: "currentColor", strokeWidth: "2.5", strokeLinecap: "round", strokeLinejoin: "round", children: /* @__PURE__ */ jsx7("path", { d: "M15 18l-6-6 6-6" }) }) }),
+            /* @__PURE__ */ jsx7(BackButtonContentSlot, { content: cardBackButtonContent })
           ]
         }
       ),
-      hideTitle ? /* @__PURE__ */ jsx8("div", { style: { flex: 1 } }) : /* @__PURE__ */ jsx8("div", { style: {
+      hideTitle ? /* @__PURE__ */ jsx7("div", { style: { flex: 1 } }) : /* @__PURE__ */ jsx7("div", { style: {
         flex: 1,
         textAlign: "center",
         fontWeight: 600,
@@ -4857,9 +4684,9 @@ function SplitCardFormInner({
         color: "#262833",
         paddingRight: 80,
         ...bStyles.title
-      }, children: /* @__PURE__ */ jsx8(TitleContentSlot, { content: cardTitleContent }) })
+      }, children: /* @__PURE__ */ jsx7(TitleContentSlot, { content: cardTitleContent }) })
     ] }),
-    !isButtons && !hideTitle && /* @__PURE__ */ jsx8("div", { style: {
+    !isButtons && !hideTitle && /* @__PURE__ */ jsx7("div", { style: {
       textAlign: "center",
       fontWeight: 600,
       fontSize: "1.1rem",
@@ -4869,70 +4696,8 @@ function SplitCardFormInner({
       // (-2) and AVS block (-1) are ordered below it but above the card form.
       order: vaultActive ? -3 : 0,
       ...bStyles.title
-    }, children: /* @__PURE__ */ jsx8(TitleContentSlot, { content: cardTitleContent }) }),
-    !vaultActive && /* @__PURE__ */ jsxs5(Fragment2, { children: [
-      /* @__PURE__ */ jsx8("div", { style: {
-        backgroundColor: cardInputBg,
-        border: `1px solid ${resolvedBorder}`,
-        borderTopLeftRadius: resolvedBorderRadius,
-        borderTopRightRadius: resolvedBorderRadius,
-        padding: "10px"
-      }, children: /* @__PURE__ */ jsx8(CardNumberElement, { onReady: () => setFormReady(true), options: stripeElementStyle }) }),
-      /* @__PURE__ */ jsxs5("div", { style: { display: "flex" }, children: [
-        /* @__PURE__ */ jsx8("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__ */ jsx8(CardExpiryElement, { options: stripeElementStyle }) }),
-        /* @__PURE__ */ jsx8("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__ */ jsx8(CardCvcElement, { options: stripeElementStyle }) })
-      ] })
-    ] }),
-    !vaultActive && /* @__PURE__ */ jsx8("div", { style: {
-      backgroundColor: cardInputBg,
-      border: `1px solid ${resolvedBorder}`,
-      borderRadius: resolvedBorderRadius,
-      marginTop: "0.5rem",
-      padding: "10px"
-    }, children: /* @__PURE__ */ jsx8(
-      "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__ */ jsx8("div", { style: { order: vaultActive ? -1 : 0 }, "data-testid": "flopay-avs-fields", children: (() => {
+    }, children: /* @__PURE__ */ jsx7(TitleContentSlot, { content: cardTitleContent }) }),
+    avsConfig && /* @__PURE__ */ jsx7("div", { style: { order: vaultActive ? -1 : 0 }, "data-testid": "flopay-avs-fields", children: (() => {
       const cc = selectedCountry;
       const inputWrapStyle = (invalid = false) => ({
         backgroundColor: cardInputBg,
@@ -4950,7 +4715,7 @@ function SplitCardFormInner({
       });
       const stateOpts = getStateOptions(cc);
       return /* @__PURE__ */ jsxs5(Fragment2, { children: [
-        isAVSFieldVisible(avsConfig.address_line_1, cc) && /* @__PURE__ */ jsx8("div", { style: inputWrapStyle(invalidAvsFields.line1), children: /* @__PURE__ */ jsx8(
+        isAVSFieldVisible(avsConfig.address_line_1, cc) && /* @__PURE__ */ jsx7("div", { style: inputWrapStyle(invalidAvsFields.line1), children: /* @__PURE__ */ jsx7(
           "input",
           {
             className: "flopay-shared-input",
@@ -4969,7 +4734,7 @@ function SplitCardFormInner({
             style: inputFieldStyle()
           }
         ) }),
-        isAVSFieldVisible(avsConfig.address_line_2, cc) && /* @__PURE__ */ jsx8("div", { style: inputWrapStyle(), children: /* @__PURE__ */ jsx8(
+        isAVSFieldVisible(avsConfig.address_line_2, cc) && /* @__PURE__ */ jsx7("div", { style: inputWrapStyle(), children: /* @__PURE__ */ jsx7(
           "input",
           {
             className: "flopay-shared-input",
@@ -4992,7 +4757,7 @@ function SplitCardFormInner({
           gap: "0",
           marginTop: "0.5rem"
         }, children: [
-          isAVSFieldVisible(avsConfig.city, cc) && /* @__PURE__ */ jsx8("div", { style: {
+          isAVSFieldVisible(avsConfig.city, cc) && /* @__PURE__ */ jsx7("div", { style: {
             flex: 1,
             backgroundColor: cardInputBg,
             borderTop: `1px solid ${avsBorderColor(invalidAvsFields.city)}`,
@@ -5003,7 +4768,7 @@ function SplitCardFormInner({
             borderTopLeftRadius: resolvedBorderRadius,
             borderBottomLeftRadius: resolvedBorderRadius,
             ...isAVSFieldVisible(avsConfig.state, cc) ? { borderRight: "none", borderTopRightRadius: 0, borderBottomRightRadius: 0 } : { borderRadius: resolvedBorderRadius }
-          }, children: /* @__PURE__ */ jsx8(
+          }, children: /* @__PURE__ */ jsx7(
             "input",
             {
               className: "flopay-shared-input",
@@ -5022,7 +4787,7 @@ function SplitCardFormInner({
               style: inputFieldStyle()
             }
           ) }),
-          isAVSFieldVisible(avsConfig.state, cc) && /* @__PURE__ */ jsx8("div", { style: {
+          isAVSFieldVisible(avsConfig.state, cc) && /* @__PURE__ */ jsx7("div", { style: {
             flex: 1,
             backgroundColor: cardInputBg,
             border: `1px solid ${avsBorderColor(invalidAvsFields.state)}`,
@@ -5046,11 +4811,11 @@ function SplitCardFormInner({
               "data-testid": "flopay-state",
               style: { ...inputFieldStyle(), cursor: "pointer" },
               children: [
-                /* @__PURE__ */ jsx8("option", { value: "", children: getStateLabel(cc) }),
-                stateOpts.map((s) => /* @__PURE__ */ jsx8("option", { value: s.code, children: s.name }, s.code))
+                /* @__PURE__ */ jsx7("option", { value: "", children: getStateLabel(cc) }),
+                stateOpts.map((s) => /* @__PURE__ */ jsx7("option", { value: s.code, children: s.name }, s.code))
               ]
             }
-          ) : /* @__PURE__ */ jsx8(
+          ) : /* @__PURE__ */ jsx7(
             "input",
             {
               className: "flopay-shared-input",
@@ -5076,7 +4841,7 @@ function SplitCardFormInner({
           gap: avsLayoutProp === "column" ? "0.5rem" : "0",
           marginTop: "0.5rem"
         }, children: [
-          isAVSFieldVisible(avsConfig.country, cc) && /* @__PURE__ */ jsx8("div", { style: {
+          isAVSFieldVisible(avsConfig.country, cc) && /* @__PURE__ */ jsx7("div", { style: {
             flex: avsLayoutProp === "row" ? 1 : void 0,
             backgroundColor: cardInputBg,
             borderTop: `1px solid ${resolvedBorder}`,
@@ -5085,7 +4850,7 @@ function SplitCardFormInner({
             borderLeft: `1px solid ${resolvedBorder}`,
             padding: "10px",
             ...avsLayoutProp === "row" && isAVSFieldVisible(avsConfig.postal_code, cc) ? { borderRadius: "0", borderTopLeftRadius: resolvedBorderRadius, borderBottomLeftRadius: resolvedBorderRadius, borderRight: "none" } : { borderRadius: resolvedBorderRadius }
-          }, children: /* @__PURE__ */ jsx8(
+          }, children: /* @__PURE__ */ jsx7(
             "select",
             {
               id: "flopay-billing-country",
@@ -5109,13 +4874,13 @@ function SplitCardFormInner({
               ] }, c.code))
             }
           ) }),
-          isAVSFieldVisible(avsConfig.postal_code, cc) && /* @__PURE__ */ jsx8("div", { style: {
+          isAVSFieldVisible(avsConfig.postal_code, cc) && /* @__PURE__ */ jsx7("div", { style: {
             flex: avsLayoutProp === "row" ? 1 : void 0,
             backgroundColor: cardInputBg,
             border: `1px solid ${zipBorderColor}`,
             padding: "10px",
             ...avsLayoutProp === "row" && isAVSFieldVisible(avsConfig.country, cc) ? { borderRadius: "0", borderTopRightRadius: resolvedBorderRadius, borderBottomRightRadius: resolvedBorderRadius } : { borderRadius: resolvedBorderRadius }
-          }, children: /* @__PURE__ */ jsx8(
+          }, children: /* @__PURE__ */ jsx7(
             "input",
             {
               className: "flopay-shared-input",
@@ -5139,7 +4904,7 @@ function SplitCardFormInner({
             }
           ) })
         ] }),
-        showPostcodeError && /* @__PURE__ */ jsx8(
+        showPostcodeError && /* @__PURE__ */ jsx7(
           "div",
           {
             id: "flopay-billing-postal-code-error",
@@ -5156,39 +4921,9 @@ function SplitCardFormInner({
         )
       ] });
     })() }),
-    vaultActive && cardPreFormSlot && /* @__PURE__ */ jsx8("div", { style: { order: -2, width: "100%" }, children: cardPreFormSlot }),
+    vaultActive && cardPreFormSlot && /* @__PURE__ */ jsx7("div", { style: { order: -2, width: "100%" }, children: cardPreFormSlot }),
     vaultActive && vaultCardFieldsNode,
-    displayError && /* @__PURE__ */ jsx8(ErrorBanner, { margin: "0.75rem 0", styleOverride: bStyles.errorBanner, children: displayError }),
-    !vaultActive && (children ?? /* @__PURE__ */ jsx8(
-      "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,
@@ -5204,9 +4939,9 @@ function SplitCardFormInner({
   const renderDirectPaypalGateDebug = (testId) => {
     if (!debug) return null;
     if (!showPayPal || !directPaypalConfigured) {
-      return /* @__PURE__ */ jsx8("pre", { "data-testid": testId, style: gateDebugStyle, children: "FloPay/DirectPayPal-debug - not enabled" });
+      return /* @__PURE__ */ jsx7("pre", { "data-testid": testId, style: gateDebugStyle, children: "FloPay/DirectPayPal-debug - not enabled" });
     }
-    return /* @__PURE__ */ jsx8("pre", { "data-testid": testId, style: gateDebugStyle, children: [
+    return /* @__PURE__ */ jsx7("pre", { "data-testid": testId, style: gateDebugStyle, children: [
       "FloPay/DirectPayPal-debug (parent gate)",
       `  showPayPal=${showPayPal}`,
       `  directPaypalConfigured=${directPaypalConfigured}`,
@@ -5219,9 +4954,9 @@ function SplitCardFormInner({
   const renderStripeGateDebug = (testId) => {
     if (!debug) return null;
     if (!showStripe || !stripeInstance) {
-      return /* @__PURE__ */ jsx8("pre", { "data-testid": testId, style: gateDebugStyle, children: "FloPay/Stripe-debug - not enabled" });
+      return /* @__PURE__ */ jsx7("pre", { "data-testid": testId, style: gateDebugStyle, children: "FloPay/Stripe-debug - not enabled" });
     }
-    return /* @__PURE__ */ jsx8("pre", { "data-testid": testId, style: gateDebugStyle, children: [
+    return /* @__PURE__ */ jsx7("pre", { "data-testid": testId, style: gateDebugStyle, children: [
       "FloPay/Stripe-debug (parent gate)",
       `  showStripe=${showStripe}`,
       `  currency=${currency}`,
@@ -5251,8 +4986,8 @@ function SplitCardFormInner({
     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__ */ jsxs5("form", { onSubmit: handleSubmit, className, style: { position: "relative" }, children: [
-      /* @__PURE__ */ jsx8(FloPayKeyframes, {}),
-      overlayStatus && /* @__PURE__ */ jsx8(ProcessingOverlay, { status: overlayStatus, errorMessage: displayError }),
+      /* @__PURE__ */ jsx7(FloPayKeyframes, {}),
+      overlayStatus && /* @__PURE__ */ jsx7(ProcessingOverlay, { status: overlayStatus, errorMessage: displayError }),
       /* @__PURE__ */ jsxs5("div", { style: { display: "grid" }, children: [
         /* @__PURE__ */ jsxs5(
           "div",
@@ -5272,7 +5007,7 @@ function SplitCardFormInner({
               renderDirectPaypalGateDebug("flopay-direct-paypal-gate-debug"),
               renderStripeGateDebug("flopay-stripe-gate-debug"),
               shouldRenderDirectPayPal && directPaypal && /* @__PURE__ */ jsxs5(Fragment2, { children: [
-                paypalDirectRetry && /* @__PURE__ */ jsx8(
+                paypalDirectRetry && /* @__PURE__ */ jsx7(
                   "div",
                   {
                     "data-testid": "flopay-paypal-direct-retry-notice",
@@ -5288,7 +5023,7 @@ function SplitCardFormInner({
                     children: "Please confirm your PayPal payment to complete checkout."
                   }
                 ),
-                /* @__PURE__ */ jsx8(
+                /* @__PURE__ */ jsx7(
                   DirectPayPalButton,
                   {
                     sessionId,
@@ -5308,6 +5043,7 @@ function SplitCardFormInner({
                     runBeforeButtonClick,
                     isProcessing: isSubmitting,
                     onLoadStateChange: setDirectPaypalReady,
+                    onInitializationStateChange: setDirectPaypalInitializationState,
                     session: session ?? null,
                     existingOrderId: paypalDirectRetry?.orderId,
                     debug
@@ -5315,7 +5051,7 @@ function SplitCardFormInner({
                   paypalDirectRetry?.orderId ?? "fresh"
                 )
               ] }),
-              shouldRenderStripePayPal && /* @__PURE__ */ jsx8(StripeElements, { stripe: paypalStripeInstance, options: paypalOptions, children: /* @__PURE__ */ jsx8(
+              shouldRenderStripePayPal && /* @__PURE__ */ jsx7(StripeElements, { stripe: paypalStripeInstance, options: paypalOptions, children: /* @__PURE__ */ jsx7(
                 PayPalButtonInner,
                 {
                   sessionId,
@@ -5333,13 +5069,14 @@ function SplitCardFormInner({
                   placeholderBorderRadius: buttonBorderRadius
                 }
               ) }),
-              shouldRenderWallets ? /* @__PURE__ */ jsx8(StripeElements, { stripe: stripeInstance, options: walletOptions, children: /* @__PURE__ */ jsx8(
+              shouldRenderWallets ? /* @__PURE__ */ jsx7(StripeElements, { stripe: stripeInstance, options: walletOptions, children: /* @__PURE__ */ jsx7(
                 WalletButtonInner,
                 {
                   sessionId,
                   nonce,
                   email: resolvedAccount.email,
                   billingApiUrl: resolvedBillingApiUrl,
+                  intentKind: totalAmount > 0 ? "payment" : "setup",
                   expressMethods: walletExpressMethods,
                   onTokenizedBody: dispatchTokenizedBody,
                   onErrorChange: updateError,
@@ -5350,8 +5087,8 @@ function SplitCardFormInner({
                   onLoadStateChange: setWalletLoadState,
                   placeholderBorderRadius: buttonBorderRadius
                 }
-              ) }) : shouldShowWallets ? /* @__PURE__ */ jsx8("div", { style: { height: DEFAULT_BUTTONS_LAYOUT_BUTTON_HEIGHT, borderRadius: buttonBorderRadius, background: "#e5e7eb", animation: "flopay-pulse 1.5s ease-in-out infinite" } }) : null,
-              shouldRenderPaymentElement && /* @__PURE__ */ jsx8(
+              ) }) : shouldShowWallets ? /* @__PURE__ */ jsx7("div", { style: { height: DEFAULT_BUTTONS_LAYOUT_BUTTON_HEIGHT, borderRadius: buttonBorderRadius, background: "#e5e7eb", animation: "flopay-pulse 1.5s ease-in-out infinite" } }) : null,
+              shouldRenderPaymentElement && /* @__PURE__ */ jsx7(
                 StripePaymentElementInner,
                 {
                   sessionId,
@@ -5383,7 +5120,7 @@ function SplitCardFormInner({
                   }
                 }
               ),
-              showStripe && /* @__PURE__ */ jsx8(
+              vaultActive && /* @__PURE__ */ jsx7(
                 "button",
                 {
                   type: "button",
@@ -5439,19 +5176,19 @@ function SplitCardFormInner({
                   onMouseUp: (e) => {
                     e.currentTarget.style.transform = "scale(1)";
                   },
-                  children: /* @__PURE__ */ jsx8(CardButtonContentSlot, { content: cardButtonContent })
+                  children: /* @__PURE__ */ jsx7(CardButtonContentSlot, { content: cardButtonContent })
                 }
               ),
-              displayError && viewState === "buttons" && /* @__PURE__ */ jsx8(ErrorBanner, { margin: "0.25rem 0", styleOverride: bStyles.errorBanner, children: displayError })
+              displayError && viewState === "buttons" && /* @__PURE__ */ jsx7(ErrorBanner, { margin: "0.25rem 0", styleOverride: bStyles.errorBanner, children: displayError })
             ]
           }
         ),
-        showStripe && isCardView && /* @__PURE__ */ jsx8("div", { style: {
+        vaultActive && isCardView && /* @__PURE__ */ jsx7("div", { style: {
           gridArea: "1 / 1",
           ...cardAnim ? { animation: cardAnim } : {},
           ...viewState === "collapsing" ? { pointerEvents: "none" } : {}
         }, children: cardFormBlock }),
-        showStripe && isApmView && expandedApmMethod && apmInlineOptions && stripeInstance && /* @__PURE__ */ jsx8("div", { style: {
+        showStripe && isApmView && expandedApmMethod && apmInlineOptions && stripeInstance && /* @__PURE__ */ jsx7("div", { style: {
           gridArea: "1 / 1",
           ...apmAnim ? { animation: apmAnim } : {},
           ...viewState === "apm-collapsing" ? { pointerEvents: "none" } : {}
@@ -5489,7 +5226,7 @@ function SplitCardFormInner({
                 },
                 "aria-label": "Back to payment methods",
                 children: [
-                  /* @__PURE__ */ jsx8("span", { style: {
+                  /* @__PURE__ */ jsx7("span", { style: {
                     display: "inline-flex",
                     alignItems: "center",
                     justifyContent: "center",
@@ -5499,12 +5236,12 @@ function SplitCardFormInner({
                     backgroundColor: "#f3f4f6",
                     transition: "background-color 0.15s",
                     ...bStyles.backButtonIcon
-                  }, children: /* @__PURE__ */ jsx8("svg", { width: "14", height: "14", viewBox: "0 0 24 24", fill: "none", stroke: "currentColor", strokeWidth: "2.5", strokeLinecap: "round", strokeLinejoin: "round", children: /* @__PURE__ */ jsx8("path", { d: "M15 18l-6-6 6-6" }) }) }),
-                  /* @__PURE__ */ jsx8(BackButtonContentSlot, { content: cardBackButtonContent })
+                  }, children: /* @__PURE__ */ jsx7("svg", { width: "14", height: "14", viewBox: "0 0 24 24", fill: "none", stroke: "currentColor", strokeWidth: "2.5", strokeLinecap: "round", strokeLinejoin: "round", children: /* @__PURE__ */ jsx7("path", { d: "M15 18l-6-6 6-6" }) }) }),
+                  /* @__PURE__ */ jsx7(BackButtonContentSlot, { content: cardBackButtonContent })
                 ]
               }
             ),
-            /* @__PURE__ */ jsx8("div", { style: {
+            /* @__PURE__ */ jsx7("div", { style: {
               flex: 1,
               textAlign: "center",
               fontWeight: 600,
@@ -5514,12 +5251,12 @@ function SplitCardFormInner({
               ...bStyles.title
             }, children: `Pay with ${getStripeMethodDisplayName(expandedApmMethod)}` })
           ] }),
-          /* @__PURE__ */ jsx8(
+          /* @__PURE__ */ jsx7(
             StripeElements,
             {
               stripe: stripeInstance,
               options: apmInlineOptions,
-              children: /* @__PURE__ */ jsx8(
+              children: /* @__PURE__ */ jsx7(
                 StripeMethodInlineForm,
                 {
                   method: expandedApmMethod,
@@ -5550,9 +5287,9 @@ function SplitCardFormInner({
   }
   if (isApmView && expandedApmMethod && apmInlineOptions && stripeInstance && showStripe) {
     return /* @__PURE__ */ jsxs5("form", { onSubmit: handleSubmit, className, style: { position: "relative" }, children: [
-      /* @__PURE__ */ jsx8(FloPayKeyframes, {}),
-      overlayStatus && /* @__PURE__ */ jsx8(ProcessingOverlay, { status: overlayStatus, errorMessage: displayError }),
-      /* @__PURE__ */ jsx8("div", { style: {
+      /* @__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__ */ jsxs5("div", { style: {
@@ -5589,7 +5326,7 @@ function SplitCardFormInner({
               },
               "aria-label": "Back to payment methods",
               children: [
-                /* @__PURE__ */ jsx8("span", { style: {
+                /* @__PURE__ */ jsx7("span", { style: {
                   display: "inline-flex",
                   alignItems: "center",
                   justifyContent: "center",
@@ -5599,12 +5336,12 @@ function SplitCardFormInner({
                   backgroundColor: "#f3f4f6",
                   transition: "background-color 0.15s",
                   ...bStyles.backButtonIcon
-                }, children: /* @__PURE__ */ jsx8("svg", { width: "14", height: "14", viewBox: "0 0 24 24", fill: "none", stroke: "currentColor", strokeWidth: "2.5", strokeLinecap: "round", strokeLinejoin: "round", children: /* @__PURE__ */ jsx8("path", { d: "M15 18l-6-6 6-6" }) }) }),
-                /* @__PURE__ */ jsx8(BackButtonContentSlot, { content: cardBackButtonContent })
+                }, children: /* @__PURE__ */ jsx7("svg", { width: "14", height: "14", viewBox: "0 0 24 24", fill: "none", stroke: "currentColor", strokeWidth: "2.5", strokeLinecap: "round", strokeLinejoin: "round", children: /* @__PURE__ */ jsx7("path", { d: "M15 18l-6-6 6-6" }) }) }),
+                /* @__PURE__ */ jsx7(BackButtonContentSlot, { content: cardBackButtonContent })
               ]
             }
           ),
-          /* @__PURE__ */ jsx8("div", { style: {
+          /* @__PURE__ */ jsx7("div", { style: {
             flex: 1,
             textAlign: "center",
             fontWeight: 600,
@@ -5614,12 +5351,12 @@ function SplitCardFormInner({
             ...bStyles.title
           }, children: `Pay with ${getStripeMethodDisplayName(expandedApmMethod)}` })
         ] }),
-        /* @__PURE__ */ jsx8(
+        /* @__PURE__ */ jsx7(
           StripeElements,
           {
             stripe: stripeInstance,
             options: apmInlineOptions,
-            children: /* @__PURE__ */ jsx8(
+            children: /* @__PURE__ */ jsx7(
               StripeMethodInlineForm,
               {
                 method: expandedApmMethod,
@@ -5648,13 +5385,13 @@ function SplitCardFormInner({
     ] });
   }
   return /* @__PURE__ */ jsxs5("form", { onSubmit: handleSubmit, className, style: { position: "relative" }, children: [
-    /* @__PURE__ */ jsx8(FloPayKeyframes, {}),
-    overlayStatus && /* @__PURE__ */ jsx8(ProcessingOverlay, { status: overlayStatus, errorMessage: displayError }),
+    /* @__PURE__ */ jsx7(FloPayKeyframes, {}),
+    overlayStatus && /* @__PURE__ */ jsx7(ProcessingOverlay, { status: overlayStatus, errorMessage: displayError }),
     /* @__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__ */ jsxs5(Fragment2, { children: [
-        paypalDirectRetry && /* @__PURE__ */ jsx8(
+        paypalDirectRetry && /* @__PURE__ */ jsx7(
           "div",
           {
             "data-testid": "flopay-paypal-direct-retry-notice-default",
@@ -5670,7 +5407,7 @@ function SplitCardFormInner({
             children: "Please confirm your PayPal payment to complete checkout."
           }
         ),
-        /* @__PURE__ */ jsx8(
+        /* @__PURE__ */ jsx7(
           DirectPayPalButton,
           {
             sessionId,
@@ -5690,6 +5427,7 @@ function SplitCardFormInner({
             runBeforeButtonClick,
             isProcessing: isSubmitting,
             onLoadStateChange: setDirectPaypalReady,
+            onInitializationStateChange: setDirectPaypalInitializationState,
             session: session ?? null,
             existingOrderId: paypalDirectRetry?.orderId,
             debug
@@ -5697,7 +5435,7 @@ function SplitCardFormInner({
           paypalDirectRetry?.orderId ?? "fresh"
         )
       ] }),
-      shouldRenderStripePayPal && /* @__PURE__ */ jsx8(StripeElements, { stripe: paypalStripeInstance, options: paypalOptions, children: /* @__PURE__ */ jsx8(
+      shouldRenderStripePayPal && /* @__PURE__ */ jsx7(StripeElements, { stripe: paypalStripeInstance, options: paypalOptions, children: /* @__PURE__ */ jsx7(
         PayPalButtonInner,
         {
           sessionId,
@@ -5715,13 +5453,14 @@ function SplitCardFormInner({
           placeholderBorderRadius: buttonBorderRadius
         }
       ) }),
-      shouldRenderWallets && /* @__PURE__ */ jsx8(StripeElements, { stripe: stripeInstance, options: walletOptions, children: /* @__PURE__ */ jsx8(
+      shouldRenderWallets && /* @__PURE__ */ jsx7(StripeElements, { stripe: stripeInstance, options: walletOptions, children: /* @__PURE__ */ jsx7(
         WalletButtonInner,
         {
           sessionId,
           nonce,
           email: resolvedAccount.email,
           billingApiUrl: resolvedBillingApiUrl,
+          intentKind: totalAmount > 0 ? "payment" : "setup",
           expressMethods: walletExpressMethods,
           onTokenizedBody: dispatchTokenizedBody,
           onErrorChange: updateError,
@@ -5733,7 +5472,7 @@ function SplitCardFormInner({
           placeholderBorderRadius: buttonBorderRadius
         }
       ) }),
-      shouldRenderPaymentElement && /* @__PURE__ */ jsx8(
+      shouldRenderPaymentElement && /* @__PURE__ */ jsx7(
         StripePaymentElementInner,
         {
           sessionId,
@@ -5766,7 +5505,7 @@ function SplitCardFormInner({
         }
       )
     ] }),
-    showStripe && (shouldDisplayWalletRow || shouldDisplayPayPalRow || shouldDisplayPaymentElementRow) && /* @__PURE__ */ jsxs5("div", { style: {
+    vaultActive && (shouldDisplayWalletRow || shouldDisplayPayPalRow || shouldDisplayPaymentElementRow) && /* @__PURE__ */ jsxs5("div", { style: {
       display: "flex",
       alignItems: "center",
       gap: "0.75rem",
@@ -5774,11 +5513,11 @@ function SplitCardFormInner({
       color: "#999",
       fontSize: "0.85rem"
     }, children: [
-      /* @__PURE__ */ jsx8("div", { style: { flex: 1, height: 1, backgroundColor: "#ddd" } }),
-      /* @__PURE__ */ jsx8("span", { children: "or pay with card" }),
-      /* @__PURE__ */ jsx8("div", { style: { flex: 1, height: 1, backgroundColor: "#ddd" } })
+      /* @__PURE__ */ jsx7("div", { style: { flex: 1, height: 1, backgroundColor: "#ddd" } }),
+      /* @__PURE__ */ jsx7("span", { children: "or pay with card" }),
+      /* @__PURE__ */ jsx7("div", { style: { flex: 1, height: 1, backgroundColor: "#ddd" } })
     ] }),
-    showStripe && cardFormBlock
+    vaultActive && cardFormBlock
   ] });
 }
 
@@ -6477,7 +6216,7 @@ async function loadSavedPaymentProviders({
 }
 
 // src/flopay-checkout.tsx
-import { Fragment as Fragment3, jsx as jsx9, jsxs as jsxs6 } 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();
@@ -6623,7 +6362,6 @@ function FloPayCheckout({
   onComplete,
   onError,
   onDecline,
-  onFullNameChange,
   onCountryChange,
   onZipChange,
   showPayPal = true,
@@ -6645,7 +6383,6 @@ function FloPayCheckout({
   cardFieldOrder,
   cardPreFormSlot,
   avsLayout,
-  submitLabel,
   className,
   initialErrorMessage = null,
   children,
@@ -6661,9 +6398,9 @@ 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;
@@ -6678,28 +6415,53 @@ 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,
@@ -6727,11 +6489,11 @@ function FloPayCheckout({
     } : void 0,
     [effectiveCreateSessionBase, effectiveCreateSessionMode]
   );
-  useEffect6(() => {
+  useEffect5(() => {
     setCreateSessionPatch(void 0);
     setCreateSessionPatchBaseHash(baseCreateSessionHash);
   }, [baseCreateSessionHash]);
-  useEffect6(() => {
+  useEffect5(() => {
     setModeError(initialErrorMessage);
   }, [initialErrorMessage]);
   const emitDecline = useCallback4(
@@ -7008,7 +6770,7 @@ function FloPayCheckout({
       telemetryCheckoutContext
     ]
   );
-  useEffect6(() => {
+  useEffect5(() => {
     if (typeof window === "undefined" || paypalResumeAttempted.current) {
       return;
     }
@@ -7211,7 +6973,7 @@ 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,
@@ -7248,12 +7010,12 @@ 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);
@@ -7445,12 +7207,11 @@ function FloPayCheckout({
     resolvedSessionId,
     session
   ]);
-  useEffect6(() => {
+  useEffect5(() => {
     let cancelled = false;
     setLoadError(null);
     if (createSessionHash) {
       const params = createSessionParamsRef.current;
-      setSession(buildSyntheticSession(params, checkoutModeProp));
       setCurrentMode(effectiveCreateSessionMode);
       setIsLoading(false);
       if (initializedHashRef.current === createSessionHash) {
@@ -7458,6 +7219,7 @@ function FloPayCheckout({
           cancelled = true;
         };
       }
+      setSession(buildSyntheticSession(params, checkoutModeProp));
       (async () => {
         const hasPayPalRedirectParams = typeof window !== "undefined" && new URLSearchParams(window.location.search).has("payment_intent");
         const shouldAutoProcessInlineSession = effectiveCreateSessionMode === "auto" && !autoCheckoutAttempted.current && !hasPayPalRedirectParams;
@@ -7692,7 +7454,7 @@ function FloPayCheckout({
     ]
   );
   const shouldShowInterimButtons = Boolean(createSessionParams) && layout === "buttons" && !isPaypalOnlySession && (!flopay || !providerOptions);
-  const modeOverlay = modeOverlayStatus ? /* @__PURE__ */ jsx9(
+  const modeOverlay = modeOverlayStatus ? /* @__PURE__ */ jsx8(
     ProcessingOverlay,
     {
       status: modeOverlayStatus,
@@ -7708,7 +7470,7 @@ function FloPayCheckout({
     }
     if (layout === "buttons") {
       const bundleRadius = themeBundle?.buttonsLayout?.cardButton?.borderRadius ?? themeBundle?.appearance.variables?.borderRadius ?? 8;
-      const skeletonBar = (h) => /* @__PURE__ */ jsx9("div", { style: {
+      const skeletonBar = (h) => /* @__PURE__ */ jsx8("div", { style: {
         height: h,
         borderRadius: bundleRadius,
         background: "#e5e7eb",
@@ -7719,14 +7481,14 @@ function FloPayCheckout({
           showPayPal && skeletonBar(DEFAULT_BUTTONS_LAYOUT_BUTTON_HEIGHT2),
           showStripe && (showApplePay || showGooglePay) && skeletonBar(DEFAULT_BUTTONS_LAYOUT_BUTTON_HEIGHT2),
           showStripe && skeletonBar(DEFAULT_BUTTONS_LAYOUT_BUTTON_HEIGHT2),
-          /* @__PURE__ */ jsx9("style", { children: `@keyframes flopay-loading-pulse { 0%,100% { opacity: 1; } 50% { opacity: 0.4; } }` })
+          /* @__PURE__ */ jsx8("style", { children: `@keyframes flopay-loading-pulse { 0%,100% { opacity: 1; } 50% { opacity: 0.4; } }` })
         ] }),
         modeOverlay
       ] });
     }
     return /* @__PURE__ */ jsxs6(Fragment3, { children: [
       /* @__PURE__ */ jsxs6("div", { style: { display: "flex", justifyContent: "center", padding: 32 }, children: [
-        /* @__PURE__ */ jsx9("div", { style: {
+        /* @__PURE__ */ jsx8("div", { style: {
           width: 24,
           height: 24,
           border: "2px solid #e5e7eb",
@@ -7734,16 +7496,16 @@ function FloPayCheckout({
           borderRadius: "50%",
           animation: "spin 0.6s linear infinite"
         } }),
-        /* @__PURE__ */ jsx9("style", { children: `@keyframes spin { to { transform: rotate(360deg); } }` })
+        /* @__PURE__ */ jsx8("style", { children: `@keyframes spin { to { transform: rotate(360deg); } }` })
       ] }),
       modeOverlay
     ] });
   }
   if (loadError) {
     if (errorNode) {
-      return /* @__PURE__ */ jsx9(CheckoutContext.Provider, { value: checkoutValue, children: errorNode(loadError) });
+      return /* @__PURE__ */ jsx8(CheckoutContext.Provider, { value: checkoutValue, children: errorNode(loadError) });
     }
-    return /* @__PURE__ */ jsx9(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsx9(
+    return /* @__PURE__ */ jsx8(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsx8(
       "div",
       {
         role: "alert",
@@ -7760,7 +7522,7 @@ function FloPayCheckout({
   }
   if (shouldShowInterimButtons) {
     return /* @__PURE__ */ jsxs6(Fragment3, { children: [
-      /* @__PURE__ */ jsx9(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsx9(
+      /* @__PURE__ */ jsx8(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsx8(
         InterimButtonsView,
         {
           onButtonClick,
@@ -7781,27 +7543,42 @@ function FloPayCheckout({
   }
   if (isPaypalOnlySession && session && directPaypalConfig) {
     return /* @__PURE__ */ jsxs6(Fragment3, { children: [
-      /* @__PURE__ */ jsx9(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsxs6("div", { className, style: { display: "flex", flexDirection: "column", gap: "0.5rem" }, children: [
-        modeError && /* @__PURE__ */ jsx9(ErrorBanner, { icon: false, children: modeError }),
-        /* @__PURE__ */ jsx9(
-          InstrumentedDirectPayPalButton,
+      /* @__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",
           {
-            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}`
+            )
           }
         )
       ] }) }),
@@ -7809,12 +7586,12 @@ function FloPayCheckout({
     ] });
   }
   if (!flopay || !providerOptions) {
-    return /* @__PURE__ */ jsx9(Fragment3, { children: modeOverlay });
+    return /* @__PURE__ */ jsx8(Fragment3, { children: modeOverlay });
   }
   if (currentMode === "confirm") {
     return /* @__PURE__ */ jsxs6(Fragment3, { children: [
-      /* @__PURE__ */ jsx9(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsx9(FloPayProvider, { flopay, paypalFlopay, options: providerOptions, children: /* @__PURE__ */ jsxs6("div", { className, children: [
-        modeError && /* @__PURE__ */ jsx9(
+      /* @__PURE__ */ jsx8(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsx8(FloPayProvider, { flopay, paypalFlopay, options: providerOptions, children: /* @__PURE__ */ jsxs6("div", { className, children: [
+        modeError && /* @__PURE__ */ jsx8(
           "div",
           {
             style: {
@@ -7829,7 +7606,7 @@ function FloPayCheckout({
         renderConfirmButton ? renderConfirmButton({
           onConfirm: handleConfirmCheckout,
           isProcessing: confirmProcessing
-        }) : /* @__PURE__ */ jsx9(
+        }) : /* @__PURE__ */ jsx8(
           "button",
           {
             type: "button",
@@ -7855,8 +7632,8 @@ function FloPayCheckout({
     ] });
   }
   return /* @__PURE__ */ jsxs6(Fragment3, { children: [
-    /* @__PURE__ */ jsx9(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsx9(FloPayProvider, { flopay, paypalFlopay, options: providerOptions, children: children ? /* @__PURE__ */ jsxs6(Fragment3, { children: [
-      modeError && /* @__PURE__ */ jsx9(
+    /* @__PURE__ */ jsx8(CheckoutContext.Provider, { value: checkoutValue, children: /* @__PURE__ */ jsx8(FloPayProvider, { flopay, paypalFlopay, options: providerOptions, children: children ? /* @__PURE__ */ jsxs6(Fragment3, { children: [
+      modeError && /* @__PURE__ */ jsx8(
         "div",
         {
           style: {
@@ -7871,7 +7648,7 @@ function FloPayCheckout({
           children: modeError
         }
       ),
-      /* @__PURE__ */ jsx9(
+      /* @__PURE__ */ jsx8(
         SessionInjector,
         {
           sessionId: activeSessionId,
@@ -7881,7 +7658,7 @@ function FloPayCheckout({
           children
         }
       )
-    ] }) : /* @__PURE__ */ jsx9(
+    ] }) : /* @__PURE__ */ jsx8(
       SplitCardForm,
       {
         sessionId: activeSessionId,
@@ -7897,7 +7674,6 @@ function FloPayCheckout({
         onDecline,
         error: modeError,
         onErrorChange: setModeError,
-        onFullNameChange,
         showPayPal,
         showStripe,
         enabledPaymentMethods: unified?.data.stripe?.enabledPaymentMethods,
@@ -7926,7 +7702,6 @@ 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",
@@ -7944,8 +7719,8 @@ function SessionInjector({
   session,
   children
 }) {
-  return /* @__PURE__ */ jsx9(Fragment3, { children: React9.Children.map(children, (child) => {
-    if (!React9.isValidElement(child)) return child;
+  return /* @__PURE__ */ jsx8(Fragment3, { children: React8.Children.map(children, (child) => {
+    if (!React8.isValidElement(child)) return child;
     const existing = child.props;
     const injected = {};
     if (!existing.sessionId) injected.sessionId = sessionId;
@@ -7960,7 +7735,7 @@ function SessionInjector({
         injected.lastName = session.customer.lastName;
     }
     if (Object.keys(injected).length === 0) return child;
-    return React9.cloneElement(child, injected);
+    return React8.cloneElement(child, injected);
   }) });
 }
 function InterimButtonsView({
@@ -7993,7 +7768,7 @@ function InterimButtonsView({
     };
   }, [themeBundle, buttonsTheme, stylesOverride]);
   const skeletonRadius = themeBundle?.buttonsLayout?.cardButton?.borderRadius ?? themeBundle?.appearance.variables?.borderRadius ?? 8;
-  const skeleton = (h) => /* @__PURE__ */ jsx9("div", { style: {
+  const skeleton = (h) => /* @__PURE__ */ jsx8("div", { style: {
     height: h,
     borderRadius: skeletonRadius,
     background: "#e5e7eb",
@@ -8035,7 +7810,7 @@ function InterimButtonsView({
               ...bStyles.backButton
             },
             children: [
-              /* @__PURE__ */ jsx9("span", { style: {
+              /* @__PURE__ */ jsx8("span", { style: {
                 display: "inline-flex",
                 alignItems: "center",
                 justifyContent: "center",
@@ -8044,12 +7819,12 @@ function InterimButtonsView({
                 borderRadius: "50%",
                 backgroundColor: "#f3f4f6",
                 ...bStyles.backButtonIcon
-              }, children: /* @__PURE__ */ jsx9("svg", { width: "14", height: "14", viewBox: "0 0 24 24", fill: "none", stroke: "currentColor", strokeWidth: "2.5", strokeLinecap: "round", strokeLinejoin: "round", children: /* @__PURE__ */ jsx9("path", { d: "M15 18l-6-6 6-6" }) }) }),
-              /* @__PURE__ */ jsx9(BackButtonContentSlot, { content: cardBackButtonContent })
+              }, children: /* @__PURE__ */ jsx8("svg", { width: "14", height: "14", viewBox: "0 0 24 24", fill: "none", stroke: "currentColor", strokeWidth: "2.5", strokeLinecap: "round", strokeLinejoin: "round", children: /* @__PURE__ */ jsx8("path", { d: "M15 18l-6-6 6-6" }) }) }),
+              /* @__PURE__ */ jsx8(BackButtonContentSlot, { content: cardBackButtonContent })
             ]
           }
         ),
-        hideTitle ? /* @__PURE__ */ jsx9("div", { style: { flex: 1 } }) : /* @__PURE__ */ jsx9("div", { style: {
+        hideTitle ? /* @__PURE__ */ jsx8("div", { style: { flex: 1 } }) : /* @__PURE__ */ jsx8("div", { style: {
           flex: 1,
           textAlign: "center",
           fontWeight: 600,
@@ -8057,11 +7832,11 @@ function InterimButtonsView({
           color: "#262833",
           paddingRight: 80,
           ...bStyles.title
-        }, children: /* @__PURE__ */ jsx9(TitleContentSlot, { content: cardTitleContent }) })
+        }, children: /* @__PURE__ */ jsx8(TitleContentSlot, { content: cardTitleContent }) })
       ] }),
-      /* @__PURE__ */ jsx9("div", { style: { backgroundColor: inputBg, border: `1px solid ${inputBorder}`, borderTopLeftRadius: 8, borderTopRightRadius: 8, padding: 12, height: 45 }, children: /* @__PURE__ */ jsx9("div", { style: { width: "60%", height: 14, borderRadius: 4, background: "#e5e7eb", animation: "flopay-interim-pulse 1.5s ease-in-out infinite" } }) }),
+      /* @__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__ */ jsxs6("div", { style: { display: "flex" }, children: [
-        /* @__PURE__ */ jsx9("div", { style: {
+        /* @__PURE__ */ jsx8("div", { style: {
           flex: 1,
           backgroundColor: inputBg,
           borderTop: "none",
@@ -8071,8 +7846,8 @@ function InterimButtonsView({
           borderBottomLeftRadius: 8,
           padding: 12,
           height: 45
-        }, children: /* @__PURE__ */ jsx9("div", { style: { width: "50%", height: 14, borderRadius: 4, background: "#e5e7eb", animation: "flopay-interim-pulse 1.5s ease-in-out infinite" } }) }),
-        /* @__PURE__ */ jsx9("div", { style: {
+        }, children: /* @__PURE__ */ jsx8("div", { style: { width: "50%", height: 14, borderRadius: 4, background: "#e5e7eb", animation: "flopay-interim-pulse 1.5s ease-in-out infinite" } }) }),
+        /* @__PURE__ */ jsx8("div", { style: {
           flex: 1,
           backgroundColor: inputBg,
           borderTop: "none",
@@ -8082,10 +7857,10 @@ function InterimButtonsView({
           borderBottomRightRadius: 8,
           padding: 12,
           height: 45
-        }, children: /* @__PURE__ */ jsx9("div", { style: { width: "40%", height: 14, borderRadius: 4, background: "#e5e7eb", animation: "flopay-interim-pulse 1.5s ease-in-out infinite" } }) })
+        }, children: /* @__PURE__ */ jsx8("div", { style: { width: "40%", height: 14, borderRadius: 4, background: "#e5e7eb", animation: "flopay-interim-pulse 1.5s ease-in-out infinite" } }) })
       ] }),
-      /* @__PURE__ */ jsx9("div", { style: { backgroundColor: inputBg, border: `1px solid ${inputBorder}`, borderRadius: 8, marginTop: 8, padding: 12, height: 45 }, children: /* @__PURE__ */ jsx9("div", { style: { width: "45%", height: 14, borderRadius: 4, background: "#e5e7eb", animation: "flopay-interim-pulse 1.5s ease-in-out infinite" } }) }),
-      /* @__PURE__ */ jsx9("div", { style: {
+      /* @__PURE__ */ jsx8("div", { style: { backgroundColor: inputBg, border: `1px solid ${inputBorder}`, borderRadius: 8, marginTop: 8, padding: 12, height: 45 }, children: /* @__PURE__ */ jsx8("div", { style: { width: "45%", height: 14, borderRadius: 4, background: "#e5e7eb", animation: "flopay-interim-pulse 1.5s ease-in-out infinite" } }) }),
+      /* @__PURE__ */ jsx8("div", { style: {
         height: 50,
         borderRadius: 8,
         marginTop: 16,
@@ -8094,7 +7869,7 @@ function InterimButtonsView({
         ...bStyles.submitButton,
         opacity: 0.5
       } }),
-      /* @__PURE__ */ jsx9("style", { children: `
+      /* @__PURE__ */ jsx8("style", { children: `
           @keyframes flopay-interim-pulse { 0%,100% { opacity: 1; } 50% { opacity: 0.4; } }
           @keyframes flopay-interim-expand {
             0% { opacity: 0; max-height: 0; transform: translateY(-12px); }
@@ -8107,7 +7882,7 @@ function InterimButtonsView({
   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__ */ jsx9(
+    showStripe && /* @__PURE__ */ jsx8(
       "button",
       {
         type: "button",
@@ -8141,362 +7916,80 @@ function InterimButtonsView({
         onMouseUp: (e) => {
           e.currentTarget.style.transform = "scale(1)";
         },
-        children: /* @__PURE__ */ jsx9(CardButtonContentSlot, { content: cardButtonContent })
+        children: /* @__PURE__ */ jsx8(CardButtonContentSlot, { content: cardButtonContent })
       }
     ),
-    /* @__PURE__ */ jsx9("style", { children: `@keyframes flopay-interim-pulse { 0%,100% { opacity: 1; } 50% { opacity: 0.4; } }` })
+    /* @__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 jsx10, jsxs as jsxs7 } from "react/jsx-runtime";
-var WALLET_RESUME_KEY = "flopay_wallet_resume";
-var CheckoutForm = forwardRef2(
-  function CheckoutForm2(props, ref) {
-    return /* @__PURE__ */ jsx10(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 ?? ""} ${lastName ?? ""}`.trim();
-        const pmResult = await flopay.createPaymentMethod({
-          ...email ? { email } : {},
-          ...fullName ? { name: fullName } : {}
-        });
-        if (pmResult.error || !pmResult.paymentMethodId) {
-          updateError(pmResult.error?.message ?? "Failed to create payment method.");
-          return;
-        }
-        if (!sessionId || !email) {
-          throw new FloPayError6("Missing sessionId or email", "validation_error");
-        }
-        const intentHeaders = intentRequestHeaders(nonce);
-        const intentResponse = await fetch(`${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__ */ jsxs7("form", { onSubmit: handleSubmit, className, style: { position: "relative" }, children: [
-    (is3DSActive || isSubmitting) && /* @__PURE__ */ jsx10("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__ */ jsx10("div", { "data-testid": "flopay-loading", "aria-busy": "true", children: "Loading payment form..." }),
-    isReady && /* @__PURE__ */ jsxs7(Fragment4, { children: [
-      /* @__PURE__ */ jsx10(PaymentElement, { options: { layout } }),
-      showAddress && /* @__PURE__ */ jsx10(AddressElement, { options: { mode: showAddress === true ? "billing" : showAddress } }),
-      displayError && /* @__PURE__ */ jsx10("div", { role: "alert", "data-testid": "flopay-error", style: { color: "red", margin: "0.75rem 0" }, children: displayError }),
-      children ?? /* @__PURE__ */ jsx10(
-        "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 jsx11, jsxs as jsxs8 } 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,
@@ -8514,14 +8007,14 @@ 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,
@@ -8546,7 +8039,7 @@ function PayPalButton({
     },
     [baseUrl, sessionId, nonce, userId, email, firstName, lastName, chv, onComplete, onErrorChange]
   );
-  const dispatchTokenizedBody = useCallback6(
+  const dispatchTokenizedBody = useCallback5(
     (body) => {
       if (onTokenizedBody) {
         onTokenizedBody(body);
@@ -8556,7 +8049,7 @@ function PayPalButton({
     },
     [onTokenizedBody, processPaymentInternal]
   );
-  useEffect8(() => {
+  useEffect7(() => {
     if (!flopay || paypalResumeAttempted.current) return;
     const params = new URLSearchParams(window.location.search);
     const paymentIntentId = params.get("payment_intent");
@@ -8604,13 +8097,13 @@ 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,
@@ -8638,11 +8131,11 @@ function PayPalButton({
     }
   }, [flopay, elements, sessionId, nonce, email, baseUrl, dispatchTokenizedBody, onErrorChange]);
   if (!flopay || !elements) {
-    return /* @__PURE__ */ jsx11("div", { style: { height: 45, background: "#f0f0f0", borderRadius: 6, animation: "pulse 1.5s infinite" } });
+    return /* @__PURE__ */ jsx10("div", { style: { height: 45, background: "#f0f0f0", borderRadius: 6, animation: "pulse 1.5s infinite" } });
   }
-  return /* @__PURE__ */ jsxs8(Fragment5, { children: [
-    !ready && /* @__PURE__ */ jsx11("div", { style: { height: 45, background: "#f0f0f0", borderRadius: 6 } }),
-    /* @__PURE__ */ jsx11("div", { style: ready ? {} : { display: "none" }, children: /* @__PURE__ */ jsx11(
+  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",
       {
         type: "button",
@@ -8664,7 +8157,7 @@ function PayPalButton({
         children: submitting ? "Processing..." : "PayPal"
       }
     ) }),
-    (submitting || isProcessing) && /* @__PURE__ */ jsx11("div", { style: {
+    (submitting || isProcessing) && /* @__PURE__ */ jsx10("div", { style: {
       position: "fixed",
       inset: 0,
       background: "rgba(0,0,0,0.4)",
@@ -8672,7 +8165,7 @@ function PayPalButton({
       alignItems: "center",
       justifyContent: "center",
       zIndex: 1e3
-    }, children: /* @__PURE__ */ jsx11("div", { style: {
+    }, children: /* @__PURE__ */ jsx10("div", { style: {
       background: "white",
       borderRadius: 8,
       padding: "1.5rem",
@@ -8684,19 +8177,19 @@ 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 jsx12, jsxs as jsxs9 } 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"
   );
@@ -8799,36 +8292,36 @@ 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;
     }
@@ -8842,13 +8335,13 @@ 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");
@@ -8856,7 +8349,7 @@ 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) {
@@ -8866,10 +8359,10 @@ 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") {
@@ -8882,19 +8375,19 @@ 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"
           });
         }
@@ -8937,7 +8430,7 @@ function FloPayAutomaticPaymentButton({
               }
             );
           }
-          const api = new PaymentAPI7(resolvedBillingUrl);
+          const api = new PaymentAPI6(resolvedBillingUrl);
           const completed = await api.waitForCheckoutSessionCompletion(resolvedSessionId, {
             initialDelayMs: 0,
             nonce: effectiveNonce
@@ -9022,14 +8515,14 @@ 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"
       );
@@ -9041,7 +8534,7 @@ 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"
       );
@@ -9056,7 +8549,7 @@ 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);
@@ -9070,7 +8563,7 @@ 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,
@@ -9104,7 +8597,7 @@ function FloPayAutomaticPaymentButton({
     showError,
     showSuccess
   ]);
-  const handleFallbackComplete = useCallback7((result) => {
+  const handleFallbackComplete = useCallback6((result) => {
     const activeFallback = fallbackSessionRef.current;
     setFallbackSession(null);
     onSuccessRef.current?.({
@@ -9114,10 +8607,10 @@ 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]);
@@ -9148,8 +8641,8 @@ 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__ */ jsxs9(Fragment6, { children: [
-    /* @__PURE__ */ jsx12(
+  return /* @__PURE__ */ jsxs8(Fragment5, { children: [
+    /* @__PURE__ */ jsx11(
       "button",
       {
         ...buttonProps,
@@ -9213,17 +8706,17 @@ function FloPayAutomaticPaymentButton({
             e.currentTarget.style.transform = "scale(1)";
           }
         },
-        children: /* @__PURE__ */ jsx12(CardButtonContentSlot, { content: children })
+        children: /* @__PURE__ */ jsx11(CardButtonContentSlot, { content: children })
       }
     ),
-    overlayStatus && /* @__PURE__ */ jsx12(
+    overlayStatus && /* @__PURE__ */ jsx11(
       ProcessingOverlay,
       {
         status: overlayStatus,
         errorMessage: overlayError
       }
     ),
-    fallbackSession && /* @__PURE__ */ jsx12(
+    fallbackSession && /* @__PURE__ */ jsx11(
       "div",
       {
         "data-testid": "flopay-automatic-payment-fallback",
@@ -9244,7 +8737,7 @@ function FloPayAutomaticPaymentButton({
           padding: "1.5rem",
           zIndex: 1100
         },
-        children: /* @__PURE__ */ jsx12(
+        children: /* @__PURE__ */ jsx11(
           "div",
           {
             style: {
@@ -9260,7 +8753,7 @@ function FloPayAutomaticPaymentButton({
               flexDirection: "column",
               gap: "1rem"
             },
-            children: /* @__PURE__ */ jsx12(
+            children: /* @__PURE__ */ jsx11(
               FloPayCheckout,
               {
                 sessionId: fallbackSession.sessionId,
@@ -9287,17 +8780,12 @@ function FloPayAutomaticPaymentButton({
 }
 export {
   AddressElement,
-  CardCvcElement,
-  CardElement,
-  CardExpiryElement,
-  CardNumberElement,
-  CheckoutForm,
   DirectPayPalButton,
   FloPayAutomaticPaymentButton,
   FloPayCheckout,
   FloPayProvider,
   PayPalButton,
-  PaymentElement,
+  PaymentElement2 as PaymentElement,
   SplitCardForm,
   VaultCardFields,
   useCheckout,