@funnelfox/billing 0.9.0 → 0.9.2

package/dist/funnelfox-billing.js

@@ -327,19 +327,47 @@
     /**
      * @fileoverview Helper utilities for Funnefox SDK
      */
-    function formatCurrencyAmount(minorAmount, currency) {
-        const code = currency?.trim().toUpperCase() || 'USD';
-        try {
-            const formatter = new Intl.NumberFormat(undefined, {
-                style: 'currency',
-                currency: code,
-            });
-            const fractionDigits = formatter.resolvedOptions().maximumFractionDigits ?? 2;
-            return formatter.format(minorAmount / 10 ** fractionDigits);
+    // Mirrors Stripe Elements: a card number that can never become valid is reported while the buyer
+    // types, an incomplete value only after they leave the field, and an empty one only after a submit
+    // attempt. Primer reports every error on every keystroke, even for fields the buyer has not reached
+    // yet, and its expiry codes cannot tell a typo from a half-typed date ("1" is already
+    // expiryYearInvalid, "01/2" is cardExpired), so expiry errors wait for the buyer to leave the field.
+    const HOSTED_INPUT_ERRORS_SHOWN_WHILE_TYPING = new Set(['cardInvalid']);
+    const HOSTED_INPUT_ERRORS_FOR_EMPTY_FIELD = new Set([
+        'cardRequired',
+        'expiryRequired',
+        'cvvRequired',
+    ]);
+    function getVisibleHostedInputError(input) {
+        if (!input.error) {
+            return null;
         }
-        catch {
-            return `${(minorAmount / 100).toFixed(2)} ${code}`;
+        if (input.errorCode &&
+            HOSTED_INPUT_ERRORS_SHOWN_WHILE_TYPING.has(input.errorCode)) {
+            return input.error;
         }
+        if (input.active) {
+            return null;
+        }
+        if (input.submitted) {
+            return input.error;
+        }
+        if (input.errorCode &&
+            HOSTED_INPUT_ERRORS_FOR_EMPTY_FIELD.has(input.errorCode)) {
+            return null;
+        }
+        return input.touched ? input.error : null;
+    }
+    function resolveTaxDisplay(source) {
+        const taxBehavior = source.tax_behavior ??
+            ((source.tax_amount ?? 0) > 0 ? 'exclusive' : undefined);
+        if (taxBehavior === 'inclusive') {
+            return { taxBehavior, taxAmount: source.tax_inclusive_amount ?? 0 };
+        }
+        if (taxBehavior === 'exclusive') {
+            return { taxBehavior, taxAmount: source.tax_amount ?? 0 };
+        }
+        return { taxAmount: 0 };
     }
     function merge(...objects) {
         const result = {};
@@ -509,7 +537,7 @@
     /**
      * @fileoverview Constants for Funnefox SDK
      */
-    const SDK_VERSION = '0.9.0';
+    const SDK_VERSION = '0.9.2';
     const DEFAULTS = {
         BASE_URL: 'https://billing.funnelfox.com',
         REGION: 'default',
@@ -824,11 +852,22 @@
                         ? 'Please enter a postal code'
                         : null;
                 };
+                const focusedHostedInputs = new Set();
                 const onHostedInputChange = (name) => (event) => {
                     const input = event;
-                    if (input.submitted) {
-                        dispatchError(name, input.error);
+                    const justFocused = input.active && !focusedHostedInputs.has(name);
+                    if (input.active) {
+                        focusedHostedInputs.add(name);
                     }
+                    else {
+                        focusedHostedInputs.delete(name);
+                    }
+                    // Primer sends a change on focus before any keystroke; like Stripe, the error the buyer
+                    // came back to fix stays visible until they start typing.
+                    if (justFocused) {
+                        return;
+                    }
+                    dispatchError(name, getVisibleHostedInputError(input));
                 };
                 const cardHolderOnChange = async (e) => {
                     pmManager.setCardholderName(e.target.value);
@@ -1884,8 +1923,8 @@
                 }
                 return {
                     amountTotal: data.amount_total,
-                    taxAmount: data.tax_amount ?? 0,
                     currency: data.currency ?? '',
+                    ...resolveTaxDisplay(data),
                 };
             };
             this.emitTaxInfo = (info) => {
@@ -1899,14 +1938,6 @@
                     this.emitTaxInfo(info);
                 }
             };
-            // Re-render the current tax figures to a skin that subscribed after the estimate was first
-            // emitted (the initMethod card path wires the skin only once the method mounts).
-            this.renderTaxToSkin = () => {
-                const info = this.lastTaxInfo ?? this.getSessionTaxInfo();
-                if (info) {
-                    this.emit(EVENTS.TAX_CHANGE, info);
-                }
-            };
             this.runTaxRecalc = async () => {
                 const orderId = this.orderId;
                 const countryCode = this.getSelectedCountryCode();
@@ -1926,8 +1957,8 @@
                     }
                     this.emitTaxInfo({
                         amountTotal: tax.amount_total,
-                        taxAmount: tax.tax_amount,
                         currency: tax.currency,
+                        ...resolveTaxDisplay(tax),
                     });
                 }
                 catch (err) {
@@ -1946,6 +1977,7 @@
                 if (this.taxRecalcDebounce) {
                     clearTimeout(this.taxRecalcDebounce);
                 }
+                this.checkoutConfig.onTaxPending?.();
                 this.emit(EVENTS.TAX_PENDING);
                 this.taxRecalcDebounce = setTimeout(this.runTaxRecalc, TAX_RECALC_DEBOUNCE_MS$1);
             };
@@ -1963,11 +1995,6 @@
             this.handleMethodRender = (method) => {
                 this.emit(EVENTS.METHOD_RENDER, method);
             };
-            this.handleTaxMethodRender = (method) => {
-                if (method === exports.PaymentMethod.PAYMENT_CARD && this.isTaxEnabled()) {
-                    this.renderTaxToSkin();
-                }
-            };
             this.handleMethodRenderError = (method) => {
                 this.emit(EVENTS.METHOD_RENDER_ERROR, method);
             };
@@ -2540,13 +2567,6 @@
             const skin = await skinFactory(this.checkoutConfig, this.cardSessionFieldConfig);
             this.on(EVENTS.INPUT_ERROR, skin.onInputError);
             this.on(EVENTS.STATUS_CHANGE, skin.onStatusChange);
-            if (skin.onTaxChange) {
-                this.on(EVENTS.TAX_CHANGE, skin.onTaxChange);
-            }
-            if (skin.onTaxPending) {
-                this.on(EVENTS.TAX_PENDING, skin.onTaxPending);
-            }
-            this.on(EVENTS.METHOD_RENDER, this.handleTaxMethodRender);
             this.on(EVENTS.ERROR, (error) => skin.onError(error));
             this.on(EVENTS.LOADER_CHANGE, skin.onLoaderChange);
             this.on(EVENTS.DESTROY, skin.onDestroy);
@@ -2564,13 +2584,6 @@
             skin.init();
             this.on(EVENTS.INPUT_ERROR, skin.onInputError);
             this.on(EVENTS.METHOD_RENDER, skin.onMethodRender);
-            if (skin.onTaxChange) {
-                this.on(EVENTS.TAX_CHANGE, skin.onTaxChange);
-            }
-            if (skin.onTaxPending) {
-                this.on(EVENTS.TAX_PENDING, skin.onTaxPending);
-            }
-            this.on(EVENTS.METHOD_RENDER, this.handleTaxMethodRender);
             this.on(EVENTS.SUCCESS, skin.onDestroy);
             this.on(EVENTS.DESTROY, skin.onDestroy);
             return skin.getCheckoutOptions();
@@ -2637,6 +2650,9 @@
             await this.primerWrapper.initializeHeadlessCheckout(this.clientToken, checkoutOptions, method);
             const methodInterface = await this.primerWrapper.initMethod(method, element, methodOptions);
             this.startUnhandledTelemetry(method);
+            if (this.isTaxEnabled() && !this.lastTaxInfo) {
+                this.emitSessionTaxEstimate();
+            }
             return {
                 ...methodInterface,
                 destroy: async () => {
@@ -2800,6 +2816,9 @@
                         ...DEFAULT_BUTTONS_OPTIONS[exports.PaymentMethod.GOOGLE_PAY],
                         ...(options.googlePay || {}),
                     },
+                    onTaxChange: options.onTaxChange,
+                    onTaxError: options.onTaxError,
+                    onTaxPending: options.onTaxPending,
                 },
             });
             return await checkoutInstance.initMethod(method, element, {
@@ -2988,9 +3007,9 @@
 
     if(typeof document!=="undefined")document.head.appendChild(document.createElement("style")).textContent="/* Main container */\n.ff-skin-default {\n  display: flex;\n  flex-direction: column;\n  text-align: left;\n  gap: 8px;\n  width: 100%;\n  max-width: 400px;\n  margin: 0 auto;\n  color: #000000;\n}\n\n/* Payment method cards */\n.ff-payment-method-card {\n  display: none;\n  border: 1px solid #e0e0e0;\n  border-radius: 8px;\n  background-color: #ffffff;\n  padding: 20px;\n  transition: border-color 0.2s ease;\n  height: auto;\n  box-shadow: 0px 0px 10px 0px #eee;\n}\n\n.ff-payment-method-card.visible {\n  display: block;\n}\n\n.payment-errors-container {\n  background-color: #d1000033;\n  color: #d10000;\n  font-size: 14px;\n  padding: 16px 12px;\n  border-radius: 8px;\n}\n.payment-errors-container:empty {\n  display: none;\n}\n\n/* Label wrapper */\n.ff-payment-method-label {\n  display: flex;\n  align-items: flex-start;\n  gap: 16px;\n  cursor: pointer;\n  width: 100%;\n}\n\n.ff-google-pay-header {\n  align-items: center;\n}\n\n/* Custom radio button styling */\n.ff-payment-method-radio {\n  appearance: none;\n  -webkit-appearance: none;\n  -moz-appearance: none;\n  width: 24px;\n  height: 24px;\n  min-width: 24px;\n  min-height: 24px;\n  border: 1px solid #9e9e9e;\n  border-radius: 50%;\n  background-color: #ffffff;\n  cursor: pointer;\n  position: relative;\n  margin: 0;\n  flex-shrink: 0;\n  transition: border-color 0.2s ease;\n}\n\n.ff-card-form-submit-button {\n  display: block;\n  cursor: pointer;\n  width: 100%;\n  padding: 16px 0;\n  border-radius: 16px;\n  background-color: #000000;\n  color: #ffffff;\n  border: none;\n  font-size: 16px;\n  margin: 12px 0 16px;\n}\n\n.ff-payment-method-radio:checked {\n  border-color: #e32f41;\n  background-color: #ffffff;\n}\n\n.ff-payment-method-radio:checked::after {\n  content: '';\n  position: absolute;\n  top: 50%;\n  left: 50%;\n  transform: translate(-50%, -50%);\n  width: 16px;\n  height: 16px;\n  border-radius: 50%;\n  background-color: #e32f41;\n}\n\n/* Payment method content */\n.ff-payment-method-content {\n  flex: 1;\n  display: flex;\n  flex-direction: column;\n  gap: 16px;\n  max-height: 0;\n  height: 0;\n  overflow: hidden;\n  opacity: 0;\n  transition:\n    opacity 0.3s ease,\n    margin-top 0.3s ease;\n  margin-top: 0;\n}\n\n.ff-payment-method-card.expanded .ff-payment-method-content {\n  max-height: 2000px;\n  height: auto;\n  opacity: 1;\n  margin-top: 16px;\n}\n.ff-payment-method-card.expanded .ff-payment-method-label {\n  margin-bottom: 16px;\n}\n\n/* Payment method header */\n.ff-payment-method-header {\n  display: flex;\n  align-items: center;\n}\n\n/* Google Pay Logo */\n.ff-google-pay-logo {\n  display: flex;\n  align-items: center;\n  gap: 4px;\n  font-weight: 500;\n  font-size: 18px;\n}\n.ff-google-pay-logo img {\n  height: 38px;\n}\n\n/* Payment features list */\n.ff-payment-features {\n  list-style: none;\n  padding: 0;\n  margin: 0;\n  display: flex;\n  flex-direction: column;\n  gap: 8px;\n}\n\n.ff-payment-feature {\n  display: flex;\n  align-items: baseline;\n  text-align: left;\n  gap: 8px;\n}\n\n.ff-checkmark-icon {\n  width: 20px;\n  height: 20px;\n  min-width: 20px;\n  color: #e32f41;\n  flex-shrink: 0;\n  margin-top: 2px;\n}\n\n.ff-payment-feature span {\n  color: #333333;\n  font-size: 14px;\n  line-height: 1.5;\n}\n\n/* Google Pay button container */\n.ff-google-pay-button-container {\n  display: flex;\n  justify-content: center;\n}\n\n/* Security message */\n.ff-security-message {\n  text-align: center;\n  color: #999999;\n  font-size: 14px;\n  padding: 0;\n  margin: 0\n}\n\n/* Card logos container */\n.ff-card-logos {\n  display: flex;\n  align-items: center;\n  gap: 12px;\n  flex-wrap: wrap;\n}\n\n/* Card form container */\n.ff-card-form-container {\n  position: relative;\n  display: flex;\n  flex-direction: column;\n  gap: 10px;\n}\n\n.loader-container {\n  position: absolute;\n  top: 0;\n  left: 0;\n  width: 100%;\n  height: 100%;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  background-color: rgba(255, 255, 255);\n  z-index: 2;\n}\n\n.payment-button-loader {\n  position: relative;\n  height: 50px;\n}\n\n.loader {\n  width: 24px;\n  height: 24px;\n  border: 4px solid #e32f41;\n  border-top: 4px solid transparent;\n  border-radius: 50%;\n  animation: spin 1s linear infinite;\n}\n\n@keyframes spin {\n  0% {\n    transform: rotate(0deg);\n  }\n  100% {\n    transform: rotate(360deg);\n  }\n}\n\n/* Responsive adjustments */\n@media (max-width: 768px) {\n  .ff-payment-method-card {\n    padding: 16px;\n  }\n\n  .ff-payment-method-label {\n    gap: 12px;\n  }\n\n  .ff-card-logos {\n    gap: 8px;\n  }\n}\n\n.ff-payment-container {\n  position: relative;\n}\n\n.success {\n  display: flex;\n  flex-direction: column;\n  align-items: center;\n  justify-content: center;\n  gap: 16px;\n}\n";
 
-    var template = "<div>\n  <label class=\"ff-card-form-label\" for=\"cardNumberInput\">Card number</label>\n  <div id=\"cardNumberInput\"></div>\n  <div class=\"errorContainer\"></div>\n</div>\n<div class=\"card-form-row\">\n  <div>\n    <label class=\"ff-card-form-label\" for=\"expiryInput\">Expiration date</label>\n    <div id=\"expiryInput\"></div>\n    <div class=\"errorContainer\"></div>\n  </div>\n  <div>\n    <label class=\"ff-card-form-label\" for=\"cvvInput\">Security code</label>\n    <div id=\"cvvInput\">\n      <svg width=\"200\" height=\"200\" viewBox=\"0 0 200 200\" fill=\"none\" xmlns=\"http://www.w3.org/2000/svg\">\n        <rect width=\"200\" height=\"200\" fill=\"transparent\"/>\n        <g clip-path=\"url(#clip0_0_1)\">\n          <path d=\"M157.555 23C168.279 23.0002 177 31.7394 177 42.4854V80.5889C171.946 72.0151 164.749 64.8558 156.146 59.8457H166.394V42.4854C166.393 37.6004 162.43 33.6291 157.555 33.6289H27.4453C22.5704 33.6291 18.6066 37.6004 18.6064 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116.648 113.082 115.981 113.088 115.282C113.094 114.584 112.826 113.911 112.34 113.409L108.897 109.966L112.34 106.523C112.588 106.275 112.784 105.982 112.918 105.659C113.052 105.336 113.121 104.989 113.121 104.64C113.121 104.29 113.052 103.944 112.918 103.621C112.784 103.298 112.588 103.004 112.34 102.757ZM151.506 109.966L154.949 106.523C155.434 106.02 155.703 105.348 155.697 104.649C155.691 103.951 155.41 103.283 154.917 102.789C154.423 102.296 153.755 102.016 153.057 102.01C152.359 102.003 151.686 102.272 151.184 102.757L147.74 106.2L144.297 102.757C143.795 102.272 143.122 102.003 142.424 102.01C141.726 102.016 141.058 102.296 140.564 102.789C140.07 103.283 139.79 103.951 139.784 104.649C139.778 105.348 140.046 106.02 140.531 106.523L143.974 109.966L140.531 113.409C140.277 113.655 140.074 113.949 139.935 114.274C139.795 114.598 139.722 114.948 139.719 115.301C139.715 115.655 139.783 116.006 139.917 116.333C140.051 116.66 140.248 116.958 140.498 117.208C140.748 117.458 141.046 117.655 141.373 117.789C141.7 117.923 142.051 117.991 142.405 117.988C142.758 117.985 143.108 117.911 143.433 117.771C143.757 117.632 144.051 117.429 144.297 117.175L147.74 113.732L151.184 117.175C151.686 117.66 152.359 117.928 153.057 117.922C153.755 117.916 154.423 117.636 154.917 117.142C155.41 116.648 155.691 115.981 155.697 115.282C155.703 114.584 155.434 113.911 154.949 113.409L151.506 109.966Z\" stroke=\"transparent\" stroke-width=\"20\" mask=\"url(#path-2-outside-1_0_1)\"/>\n        </g>\n        <defs>\n          <clipPath id=\"clip0_0_1\">\n            <rect width=\"200\" height=\"200\" fill=\"white\"/>\n          </clipPath>\n        </defs>\n      </svg>\n    </div>\n    <div class=\"errorContainer\"></div>\n  </div>\n</div>\n<div>\n  <label class=\"ff-card-form-label\" for=\"cardHolderInput\">Cardholder name</label>\n  <input class=\"ff-card-form-text-input\" id=\"cardHolderInput\" type=\"text\" pattern=\"[A-Za-z\\s]+\" placeholder=\"Full name on card\">\n  <div class=\"errorContainer\"></div>\n</div>\n<div>\n  <label class=\"ff-card-form-label\" for=\"emailAddressInput\">Email</label>\n  <input class=\"ff-card-form-text-input\" id=\"emailAddressInput\" placeholder=\"Email\" type=\"email\">\n  <div class=\"errorContainer\"></div>\n</div>\n<div id=\"countrySelectorField\">\n  <label class=\"ff-card-form-label\" for=\"countrySelectorInput\">Country</label>\n  <div class=\"ff-select-wrap\">\n    <select class=\"ff-card-form-text-input ff-card-form-select\" id=\"countrySelectorInput\"></select>\n    <div class=\"ff-select-arrow\" aria-hidden=\"true\"></div>\n  </div>\n</div>\n<div>\n  <label class=\"ff-card-form-label\" for=\"postalCodeInput\">Zip code</label>\n  <input class=\"ff-card-form-text-input\" id=\"postalCodeInput\" placeholder=\"12345\">\n  <div class=\"errorContainer\"></div>\n</div>\n";
 
-    if(typeof document!=="undefined")document.head.appendChild(document.createElement("style")).textContent="\n\n.ff-card-form-label {\n    display: block;\n    font-size: 16px;\n    margin-bottom: 5px;\n  }\n  \n  .card-form-row {\n    display: flex;\n    flex-direction: row;\n    gap: 10px;\n  }\n  \n  .ff-card-form-text-input {\n    margin: 0 0 3px;\n    padding-left: 10px;\n    padding-right: 10px;\n    box-sizing: border-box;\n    height: 36px;\n    width: 100%;\n    font-size: 1rem;\n    background-color: transparent;\n    border: 1px solid rgb(0 0 0 / 10%);\n    border-radius: 6px;\n    transition: all 0.3s ease;\n    box-shadow: none;\n    outline: none;\n  }\n  .ff-card-form-text-input.error {\n    border-color: #e32f41;\n  }\n\n.ff-select-wrap {\n  position: relative;\n}\n\n.ff-card-form-select {\n  padding-right: 34px;\n  appearance: none;\n  -webkit-appearance: none;\n  -moz-appearance: none;\n  background-image: none;\n}\n\n.ff-card-form-select::-ms-expand {\n  display: none;\n}\n\n.ff-card-form-select:disabled {\n  color: #6b7280;\n  cursor: not-allowed;\n}\n\n.ff-select-arrow {\n  position: absolute;\n  top: 50%;\n  right: 12px;\n  width: 8px;\n  height: 8px;\n  border-right: 1.5px solid #6b7280;\n  border-bottom: 1.5px solid #6b7280;\n  transform: translateY(-65%) rotate(45deg);\n  pointer-events: none;\n}\n\n.ff-select-wrap:focus-within .ff-select-arrow {\n  border-right-color: #111827;\n  border-bottom-color: #111827;\n}\n  \n  .errorContainer:not(:empty) {\n    color: #d10000;\n    font-size: 16px;\n    line-height: 1;\n    margin: 0 0 10px;\n  }\n\n  #cvvInput {\n    position: relative;\n  }\n\n  #cvvInput > svg {\n    z-index: 1;\n    position: absolute;\n    top: 5px;\n    right: 5px;\n    width: 26px;\n    height: 26px;\n  }\n\n.ff-tax-summary {\n  margin-top: 12px;\n  padding-top: 12px;\n  border-top: 1px solid rgb(0 0 0 / 10%);\n  font-size: 16px;\n  transition: opacity 0.2s ease;\n}\n\n.ff-tax-summary[hidden] {\n  display: none;\n}\n\n.ff-tax-summary--updating {\n  opacity: 0.55;\n}\n\n.ff-tax-row {\n  display: flex;\n  justify-content: space-between;\n  gap: 10px;\n  margin-bottom: 6px;\n}\n\n.ff-tax-row.ff-tax-total {\n  margin-top: 8px;\n  margin-bottom: 0;\n  font-weight: 600;\n}";
+    if(typeof document!=="undefined")document.head.appendChild(document.createElement("style")).textContent="\n\n.ff-card-form-label {\n    display: block;\n    font-size: 16px;\n    margin-bottom: 5px;\n  }\n  \n  .card-form-row {\n    display: flex;\n    flex-direction: row;\n    gap: 10px;\n  }\n  \n  .ff-card-form-text-input {\n    margin: 0 0 3px;\n    padding-left: 10px;\n    padding-right: 10px;\n    box-sizing: border-box;\n    height: 36px;\n    width: 100%;\n    font-size: 1rem;\n    background-color: transparent;\n    border: 1px solid rgb(0 0 0 / 10%);\n    border-radius: 6px;\n    transition: all 0.3s ease;\n    box-shadow: none;\n    outline: none;\n  }\n  .ff-card-form-text-input.error {\n    border-color: #e32f41;\n  }\n\n.ff-select-wrap {\n  position: relative;\n}\n\n.ff-card-form-select {\n  padding-right: 34px;\n  appearance: none;\n  -webkit-appearance: none;\n  -moz-appearance: none;\n  background-image: none;\n}\n\n.ff-card-form-select::-ms-expand {\n  display: none;\n}\n\n.ff-card-form-select:disabled {\n  color: #6b7280;\n  cursor: not-allowed;\n}\n\n.ff-select-arrow {\n  position: absolute;\n  top: 50%;\n  right: 12px;\n  width: 8px;\n  height: 8px;\n  border-right: 1.5px solid #6b7280;\n  border-bottom: 1.5px solid #6b7280;\n  transform: translateY(-65%) rotate(45deg);\n  pointer-events: none;\n}\n\n.ff-select-wrap:focus-within .ff-select-arrow {\n  border-right-color: #111827;\n  border-bottom-color: #111827;\n}\n  \n  .errorContainer:not(:empty) {\n    color: #df1b41;\n    font-size: 15px;\n    line-height: 1.15;\n    margin: 4px 0 10px;\n  }\n\n  #cvvInput {\n    position: relative;\n  }\n\n  #cvvInput > svg {\n    z-index: 1;\n    position: absolute;\n    top: 5px;\n    right: 5px;\n    width: 26px;\n    height: 26px;\n  }\n";
 
     class CardSkin {
         constructor(containerEl, checkoutConfig, cardSessionFieldConfig) {
@@ -3025,39 +3044,6 @@
                     }
                 }
             };
-            this.onTaxChange = (info) => {
-                const summary = this.containerEl.querySelector('#ffTaxSummary');
-                if (!summary) {
-                    return;
-                }
-                // taxAmount is the tax added on top of the price; it is 0 for tax-inclusive pricing and for
-                // non-taxed locations — in both cases there is nothing to itemise, so the summary stays hidden.
-                if (!(info.taxAmount > 0)) {
-                    summary.hidden = true;
-                    summary.classList.remove('ff-tax-summary--updating');
-                    return;
-                }
-                const subtotal = this.containerEl.querySelector('#ffTaxSubtotal');
-                const tax = this.containerEl.querySelector('#ffTaxAmount');
-                const total = this.containerEl.querySelector('#ffTaxTotal');
-                if (subtotal) {
-                    subtotal.textContent = formatCurrencyAmount(info.amountTotal - info.taxAmount, info.currency);
-                }
-                if (tax) {
-                    tax.textContent = formatCurrencyAmount(info.taxAmount, info.currency);
-                }
-                if (total) {
-                    total.textContent = formatCurrencyAmount(info.amountTotal, info.currency);
-                }
-                summary.hidden = false;
-                summary.classList.remove('ff-tax-summary--updating');
-            };
-            this.onTaxPending = () => {
-                const summary = this.containerEl.querySelector('#ffTaxSummary');
-                if (summary && !summary.hidden) {
-                    summary.classList.add('ff-tax-summary--updating');
-                }
-            };
             this.onMethodRender = () => {
                 this.containerEl.style.display = 'block';
             };
@@ -3281,12 +3267,6 @@
             this.onInputError = (event) => {
                 this.cardInstance.onInputError(event);
             };
-            this.onTaxChange = (info) => {
-                this.cardInstance.onTaxChange(info);
-            };
-            this.onTaxPending = () => {
-                this.cardInstance.onTaxPending();
-            };
             this.onMethodRender = (paymentMethod) => {
                 const methodKey = paymentMethod.replace('_', '-').toLowerCase();
                 const methodContainer = this.containerEl.querySelector(`.ff-payment-method-${methodKey}`);
@@ -3421,70 +3401,9 @@
         return cache.get(publicKey);
     }
 
-    const TAX_STYLE_ID = 'ff-stripe-tax-styles';
     const TAX_RECALC_DEBOUNCE_MS = 600;
-    // The Stripe card form renders Stripe Elements (not the card skin), so it owns its own subtotal/tax/
-    // total summary here — mirroring the hosted card skin so every integration shows tax consistently
-    // without the host page reimplementing it.
-    function injectTaxStyles() {
-        if (typeof document === 'undefined')
-            return;
-        if (document.getElementById(TAX_STYLE_ID))
-            return;
-        const style = document.createElement('style');
-        style.id = TAX_STYLE_ID;
-        style.textContent = [
-            '.ff-tax-summary{margin-top:12px;padding-top:12px;border-top:1px solid rgb(0 0 0 / 10%);font-size:16px;transition:opacity .2s ease}',
-            '.ff-tax-summary[hidden]{display:none}',
-            '.ff-tax-summary--updating{opacity:.55}',
-            '.ff-tax-row{display:flex;justify-content:space-between;gap:10px;margin-bottom:6px}',
-            '.ff-tax-row.ff-tax-total{margin-top:8px;margin-bottom:0;font-weight:600}',
-        ].join('\n');
-        document.head.appendChild(style);
-    }
-    function createTaxSummary() {
-        const root = document.createElement('div');
-        root.className = 'ff-tax-summary';
-        root.hidden = true;
-        const makeRow = (label, isTotal = false) => {
-            const rowEl = document.createElement('div');
-            rowEl.className = isTotal ? 'ff-tax-row ff-tax-total' : 'ff-tax-row';
-            const labelEl = document.createElement('span');
-            labelEl.textContent = label;
-            const valueEl = document.createElement('span');
-            rowEl.append(labelEl, valueEl);
-            root.appendChild(rowEl);
-            return valueEl;
-        };
-        const subtotalEl = makeRow('Subtotal');
-        const taxEl = makeRow('Tax');
-        const totalEl = makeRow('Total', true);
-        return {
-            root,
-            // taxAmount is the tax added on top of the price; it is 0 for tax-inclusive pricing and for
-            // non-taxed locations — in both cases there is nothing to itemise, so the summary stays hidden.
-            render(info) {
-                root.classList.remove('ff-tax-summary--updating');
-                if (!info || !(info.taxAmount > 0)) {
-                    root.hidden = true;
-                    return;
-                }
-                subtotalEl.textContent = formatCurrencyAmount(info.amountTotal - info.taxAmount, info.currency);
-                taxEl.textContent = formatCurrencyAmount(info.taxAmount, info.currency);
-                totalEl.textContent = formatCurrencyAmount(info.amountTotal, info.currency);
-                root.hidden = false;
-            },
-            setPending() {
-                if (!root.hidden)
-                    root.classList.add('ff-tax-summary--updating');
-            },
-            setIdle() {
-                root.classList.remove('ff-tax-summary--updating');
-            },
-        };
-    }
     async function mountStripeCardForm(element, session, params) {
-        const { stripe_public_key, amount, currency, order_id, is_link_enabled, tax_amount, amount_total, } = session.data;
+        const { stripe_public_key, amount, currency, order_id, is_link_enabled, amount_total, } = session.data;
         // Tax flow is driven by the tenant setting (session.tax_enabled); enableTax is a legacy override.
         const taxEnabled = session.data.tax_enabled ?? params.enableTax ?? false;
         const stripe = await getStripe(stripe_public_key);
@@ -3492,8 +3411,6 @@
             throw new Error('Failed to load Stripe');
         // Remounting (e.g. picking another price) must replace the form, not stack a second one.
         element.replaceChildren();
-        injectTaxStyles();
-        const taxSummary = createTaxSummary();
         const stripeElements = stripe.elements({
             mode: 'subscription',
             amount,
@@ -3516,21 +3433,22 @@
             terms: { card: 'never' },
             fields: {
                 billingDetails: {
-                    // In tax mode collect only what the org configured (country and/or postal) and hide the rest
-                    // of the address; otherwise use Stripe's default card billing (country + postal).
-                    address: taxEnabled
-                        ? {
-                            line1: 'never',
-                            line2: 'never',
-                            city: 'never',
-                            state: 'never',
-                            country: showCountry ? 'auto' : 'never',
-                            postalCode: collectLocation ? 'auto' : 'never',
-                        }
-                        : 'auto',
+                    // Field visibility is owned by the org settings (Taxes → Settings) and is independent of
+                    // whether tax is enabled: show the country selector and/or postal code only when configured,
+                    // and always hide the rest of the address (supplied to createPaymentMethod below). Previously
+                    // the untaxed path fell back to Stripe's default billing (country + postal), showing those
+                    // fields even when the org had turned them off.
+                    address: {
+                        line1: 'never',
+                        line2: 'never',
+                        city: 'never',
+                        state: 'never',
+                        country: showCountry ? 'auto' : 'never',
+                        postalCode: showPostal ? 'auto' : 'never',
+                    },
                 },
             },
-            ...(session.data.detected_country_code && (!taxEnabled || showCountry)
+            ...(session.data.detected_country_code && showCountry
                 ? {
                     defaultValues: {
                         billingDetails: {
@@ -3541,16 +3459,16 @@
                 : {}),
         });
         // Address fields we hid (fields=never) must still be supplied to createPaymentMethod. Only country +
-        // postal matter for tax; country is hidden only when the selector is off, postal only when we collect
-        // no location at all.
+        // postal matter for tax; country is supplied when its selector is off, postal when its field is off.
         const hiddenBillingAddress = { line1: '', line2: '', city: '', state: '' };
         if (!showCountry)
             hiddenBillingAddress.country = session.data.detected_country_code ?? '';
-        if (!collectLocation)
+        if (!showPostal)
             hiddenBillingAddress.postal_code = '';
-        // Tax needs only the country + postal code. When the org collects location on the form we read it from
-        // the Payment Element's change events as the buyer types and recalculate tax live, then attach the
-        // calculation id to the charge. When it does not, tax follows the IP-derived session estimate.
+        // Tax needs only the country + postal code. When the org collects location on the form we read it
+        // from the Payment Element's change events as the buyer types, recalculate tax live (reported via
+        // onTaxChange), and attach the calculation id to the charge. When it does not, tax follows the
+        // IP-derived session estimate.
         let taxCalc;
         let recalcSeq = 0;
         if (taxEnabled && session.data.tax_calculation_id) {
@@ -3566,7 +3484,6 @@
             const country = taxAddress.country;
             const postal = taxAddress.postalCode;
             if (!country) {
-                taxSummary.setIdle();
                 return;
             }
             const seq = ++recalcSeq;
@@ -3580,13 +3497,11 @@
                 if (seq !== recalcSeq)
                     return; // a newer recalc superseded this one
                 taxCalc = { id: tax.tax_calculation_id, country, postal };
-                const info = {
+                params.onTaxChange?.({
                     amountTotal: tax.amount_total,
-                    taxAmount: tax.tax_amount,
                     currency: tax.currency,
-                };
-                taxSummary.render(info);
-                params.onTaxChange?.(info);
+                    ...resolveTaxDisplay(tax),
+                });
             }
             catch (err) {
                 if (seq !== recalcSeq)
@@ -3595,7 +3510,6 @@
                     taxCalc = undefined;
                     params.onTaxError?.(err);
                 }
-                taxSummary.setIdle();
             }
         };
         paymentElement.mount(element);
@@ -3620,19 +3534,21 @@
                 };
                 if (!taxAddress.country)
                     return;
-                taxSummary.setPending();
                 if (debounce)
                     clearTimeout(debounce);
                 debounce = setTimeout(runRecalc, TAX_RECALC_DEBOUNCE_MS);
             });
         }
-        // SDK-owned summary lives below the form and reflects the session's tax estimate immediately; when the
-        // org collects location, the Payment Element's fields then keep it in sync as the buyer edits them.
-        element.appendChild(taxSummary.root);
-        taxSummary.render(amount_total != null
-            ? { amountTotal: amount_total, taxAmount: tax_amount ?? 0, currency }
-            : null);
-        // Refine the initial estimate against the pre-filled country right away.
+        // The form renders no tax lines; the host re-renders its own prices off onTaxChange. Report the
+        // session estimate as the first calculation, then (when the org collects location) refine it
+        // against the pre-filled country right away — later address edits keep firing it via the recalc.
+        if (taxEnabled && amount_total != null) {
+            params.onTaxChange?.({
+                amountTotal: amount_total,
+                currency,
+                ...resolveTaxDisplay(session.data),
+            });
+        }
         if (taxEnabled && collectLocation)
             void runRecalc();
         await new Promise((resolve, reject) => {
@@ -3654,10 +3570,10 @@
                     const { error, paymentMethod } = await stripe.createPaymentMethod({
                         elements: stripeElements,
                         // Supply the address fields we hid on the Payment Element (fields=never); Stripe requires
-                        // them here. Country/postal collected by the element are filled by Stripe automatically.
-                        ...(taxEnabled
-                            ? { params: { billing_details: { address: hiddenBillingAddress } } }
-                            : {}),
+                        // them here. We always hide line1/line2/city/state (and country/postal per the org
+                        // settings), so these must be supplied regardless of tax mode. Country/postal shown on the
+                        // element are filled by Stripe automatically.
+                        params: { billing_details: { address: hiddenBillingAddress } },
                     });
                     if (error)
                         throw error;
@@ -3796,6 +3712,13 @@
             if (!canPay)
                 throw new Error('No wallet payment method available');
         }
+        if (taxEnabled && session.data.amount_total != null) {
+            params.onTaxChange?.({
+                amountTotal: session.data.amount_total,
+                currency: session.data.currency,
+                ...resolveTaxDisplay(session.data),
+            });
+        }
         return new Promise((resolve, reject) => {
             paymentRequest.on('paymentmethod', async (event) => {
                 let completed = false;