@funnelfox/billing 0.9.0 → 0.9.3-feat-defer-session-on-interaction.34

package/dist/funnelfox-billing.js

@@ -327,20 +327,6 @@
     /**
      * @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);
-        }
-        catch {
-            return `${(minorAmount / 100).toFixed(2)} ${code}`;
-        }
-    }
     function merge(...objects) {
         const result = {};
         for (const obj of objects) {
@@ -509,7 +495,7 @@
     /**
      * @fileoverview Constants for Funnefox SDK
      */
-    const SDK_VERSION = '0.9.0';
+    const SDK_VERSION = '0.9.3-feat-defer-session-on-interaction.34';
     const DEFAULTS = {
         BASE_URL: 'https://billing.funnelfox.com',
         REGION: 'default',
@@ -646,6 +632,141 @@
         return true;
     }
 
+    /**
+     * @fileoverview Support for Apple's official <apple-pay-button> custom element.
+     *
+     * Primer's checkout-web v2 renders the Apple Pay button through the CSS
+     * approach (-webkit-appearance: -apple-pay-button), and WebKit only accepts
+     * the 7 legacy values for -apple-pay-button-type. Newer types such as
+     * 'continue' are silently dropped and fall back to 'plain' (verified in
+     * Safari 26 on macOS and iOS — see PRD-1426).
+     *
+     * Apple's official custom element supports the full set of button types, so
+     * for "native-only" types we overlay it on top of the (visually hidden)
+     * Primer button and forward clicks, keeping Primer's payment flow untouched.
+     */
+    const APPLE_PAY_SDK_URL = 'https://applepay.cdn-apple.com/jsapi/v1/apple-pay-sdk.js';
+    /** How long to wait for the <apple-pay-button> element definition before
+     * giving up and falling back to Primer's own button. */
+    const ELEMENT_DEFINITION_TIMEOUT_MS = 4000;
+    /**
+     * Button types WebKit can render through Primer's CSS approach.
+     * Everything outside this list requires the native <apple-pay-button> element.
+     */
+    const CSS_RENDERABLE_APPLE_PAY_TYPES = [
+        'plain',
+        'buy',
+        'set-up',
+        'donate',
+        'check-out',
+        'book',
+        'subscribe',
+    ];
+    /**
+     * Returns true when the requested Apple Pay buttonType can only be rendered
+     * with Apple's native <apple-pay-button> element.
+     */
+    function isNativeOnlyApplePayButtonType(type) {
+        return !!type && !CSS_RENDERABLE_APPLE_PAY_TYPES.includes(type);
+    }
+    /**
+     * Loads Apple's apple-pay-sdk.js (defines the <apple-pay-button> custom
+     * element). Resolves to true when the element is available.
+     */
+    async function loadApplePayButtonElement() {
+        if (typeof window === 'undefined' || !window.customElements) {
+            return false;
+        }
+        if (window.customElements.get('apple-pay-button')) {
+            return true;
+        }
+        try {
+            await loadScript$1({
+                src: APPLE_PAY_SDK_URL,
+                crossOrigin: 'anonymous',
+                appendTo: 'head',
+            });
+            // Never hang on a script that loaded but did not define the element —
+            // fall back to Primer's own button instead.
+            const defined = window.customElements
+                .whenDefined('apple-pay-button')
+                .then(() => true);
+            const timeout = new Promise(resolve => {
+                setTimeout(() => resolve(false), ELEMENT_DEFINITION_TIMEOUT_MS);
+            });
+            return await Promise.race([defined, timeout]);
+        }
+        catch {
+            return false;
+        }
+    }
+    function createNativeApplePayElement(options) {
+        const native = document.createElement('apple-pay-button');
+        native.setAttribute('type', options.buttonType);
+        native.setAttribute('buttonstyle', options.buttonStyle || 'black');
+        native.setAttribute('locale', (typeof navigator !== 'undefined' && navigator.language) || 'en-US');
+        native.style.cssText = [
+            'position:absolute',
+            'inset:0',
+            'width:100%',
+            'height:100%',
+            '--apple-pay-button-width:100%',
+            '--apple-pay-button-height:100%',
+            '--apple-pay-button-border-radius:28px',
+            'display:block',
+            'cursor:pointer',
+            'z-index:1',
+        ].join(';');
+        return native;
+    }
+    /**
+     * Renders Apple's native <apple-pay-button> stretched over `wrapper` and
+     * forwards clicks to the Primer-rendered <button> inside it. The synchronous
+     * forwarded click preserves the user activation required by ApplePaySession.
+     *
+     * Returns the overlay element, or null when the Apple Pay SDK could not be
+     * loaded (callers should keep Primer's own button visible as a fallback).
+     */
+    async function overlayNativeApplePayButton(wrapper, options) {
+        const available = await loadApplePayButtonElement();
+        if (!available) {
+            return null;
+        }
+        // The overlay is only safe when Primer's own clickable button is present —
+        // otherwise there is nothing to forward the click to.
+        if (!wrapper.querySelector('button')) {
+            return null;
+        }
+        const native = createNativeApplePayElement(options);
+        wrapper.style.position = 'relative';
+        native.addEventListener('click', () => {
+            const primerButton = wrapper.querySelector('button');
+            primerButton?.click();
+        });
+        wrapper.appendChild(native);
+        return native;
+    }
+    /**
+     * Renders the native button with no Primer button behind it, for the deferred
+     * flow: the visitor sees the real Apple Pay button immediately while the
+     * client session is still un-created. `onActivate` fires on tap so the caller
+     * can start (or await) initialization.
+     *
+     * Returns null when Apple's SDK is unavailable — callers must fall back to
+     * creating the session eagerly so a button of some kind is always rendered.
+     */
+    async function renderPlaceholderApplePayButton(wrapper, options) {
+        const available = await loadApplePayButtonElement();
+        if (!available) {
+            return null;
+        }
+        const native = createNativeApplePayElement(options);
+        wrapper.style.position = 'relative';
+        native.addEventListener('click', options.onActivate);
+        wrapper.appendChild(native);
+        return native;
+    }
+
     /**
      * @fileoverview Primer SDK integration wrapper
      */
@@ -684,6 +805,7 @@
         }
         async createHeadlessCheckout(clientToken, options, method) {
             await this.ensurePrimerLoaded();
+            this.applePayOptions = options.applePay;
             this.currentHeadless = PrimerWrapper.headlessManager.getOrCreate(clientToken, options, method);
             return this.currentHeadless;
         }
@@ -730,16 +852,53 @@
                 }
                 htmlNode.appendChild(wrapper);
                 /* end hack */
+                /* PRD-1426: WebKit cannot render newer Apple Pay button types (e.g.
+                 * 'continue') through the CSS approach Primer v2 uses. For those types
+                 * we overlay Apple's official <apple-pay-button> element on top of the
+                 * visually hidden Primer button and forward clicks, keeping Primer's
+                 * payment flow untouched. The Primer button is hidden BEFORE it renders
+                 * to avoid a flash of the plain button; if the Apple SDK fails to load,
+                 * the rule is removed and Primer's own button stays visible (graceful
+                 * fallback to 'plain'). */
+                const applePayConfig = this.applePayOptions;
+                const nativeButtonType = allowedPaymentMethod === exports.PaymentMethod.APPLE_PAY &&
+                    applePayConfig?.buttonType &&
+                    isNativeOnlyApplePayButtonType(applePayConfig.buttonType)
+                    ? applePayConfig.buttonType
+                    : null;
+                let hideRuleIndex = null;
+                if (nativeButtonType && sheet) {
+                    hideRuleIndex = sheet.insertRule(`
+          .${wrapper.className} > button {
+            opacity: 0 !important;
+          }
+        `);
+                }
                 button = pmManager.createButton();
                 await button.render(wrapper, {});
+                let nativeOverlay = null;
+                if (nativeButtonType) {
+                    nativeOverlay = await overlayNativeApplePayButton(wrapper, {
+                        buttonType: nativeButtonType,
+                        buttonStyle: applePayConfig?.buttonStyle,
+                    });
+                    if (!nativeOverlay && sheet && hideRuleIndex !== null) {
+                        sheet.deleteRule(hideRuleIndex);
+                    }
+                }
                 this.destroyCallbacks.push(() => button.clean());
                 onMethodRender(allowedPaymentMethod);
                 return {
                     setDisabled: (disabled) => {
                         button.setDisabled(disabled);
+                        if (nativeOverlay) {
+                            nativeOverlay.style.pointerEvents = disabled ? 'none' : '';
+                            nativeOverlay.style.opacity = disabled ? '0.5' : '';
+                        }
                     },
                     destroy: () => {
                         styleEl.remove();
+                        nativeOverlay?.remove();
                         button.clean();
                     },
                 };
@@ -1086,6 +1245,32 @@
     }
     PrimerWrapper.headlessManager = new HeadlessManager();
 
+    /**
+     * @fileoverview Tags the deferred session request so the warm-up trigger can
+     * be measured without adding a single extra network call.
+     *
+     * The backend already logs every request header, so `X-FF-Warmup` lands in
+     * Elasticsearch for free. That gives us, per session actually created:
+     *   - which signal started it (dwell vs interaction vs a cold tap)
+     *   - how long after mount it fired
+     *
+     * Which is what tells us whether the dwell can be lengthened (more savings)
+     * or must stay short (cold-tap risk), instead of guessing at an interaction
+     * rate nobody has measured.
+     */
+    const WARMUP_HEADER = 'X-FF-Warmup';
+    let pendingTag = null;
+    /** Records the trigger for the session request that is about to be sent. */
+    function setWarmupTag(trigger, msSinceMount) {
+        pendingTag = `${trigger};${Math.max(0, Math.round(msSinceMount))}`;
+    }
+    /** Consumes the tag — it describes one request only. */
+    function takeWarmupTag() {
+        const tag = pendingTag;
+        pendingTag = null;
+        return tag;
+    }
+
     /**
      * @fileoverview API client for Funnefox backend integration
      */
@@ -1103,6 +1288,7 @@
                 headers: {
                     'Content-Type': 'application/json',
                     'X-SDK-Version': SDK_VERSION,
+                    ...warmupHeader(),
                     ...(options.headers || {}),
                 },
                 ...options,
@@ -1317,6 +1503,10 @@
             }));
         }
     }
+    function warmupHeader() {
+        const tag = takeWarmupTag();
+        return tag ? { [WARMUP_HEADER]: tag } : {};
+    }
 
     class SessionService {
         constructor() {
@@ -1399,6 +1589,96 @@
         }
     };
 
+    /**
+     * @fileoverview Decides when a deferred client session should be created.
+     *
+     * Fires on whichever comes first: the visitor's first interaction, or a short
+     * dwell once the page is actually visible. The dwell is what makes the
+     * deferral safe — ApplePaySession must be constructed inside the tap gesture,
+     * so the session has to exist *before* the first tap. A human cannot read a
+     * price and tap in under ~800ms, whereas prerenders, background tabs, crawlers
+     * and instant bounces never reach the dwell at all and so never cost a
+     * session (nor the order row behind it).
+     */
+    const INTERACTION_EVENTS = [
+        'pointerdown',
+        'touchstart',
+        'keydown',
+        'wheel',
+        'scroll',
+    ];
+    /** Long enough to filter prerenders and instant bounces, far shorter than
+     * any realistic time-to-tap on a paywall. */
+    const DEFAULT_WARMUP_DWELL_MS = 800;
+    /** True while the page is prerendering or not visible to the user. */
+    function isPageHidden() {
+        if (typeof document === 'undefined') {
+            return true;
+        }
+        if (document.prerendering) {
+            return true;
+        }
+        return document.visibilityState === 'hidden';
+    }
+    /**
+     * Invokes `handler` once — on first interaction, or after `dwellMs` of visible
+     * time, whichever happens first. Returns a cleanup for the un-fired case.
+     */
+    function onSessionWarmup(handler, dwellMs = DEFAULT_WARMUP_DWELL_MS) {
+        if (typeof document === 'undefined') {
+            return () => { };
+        }
+        let fired = false;
+        let timer;
+        const cleanup = () => {
+            if (timer !== undefined) {
+                clearTimeout(timer);
+                timer = undefined;
+            }
+            for (const event of INTERACTION_EVENTS) {
+                document.removeEventListener(event, onInteraction, true);
+            }
+            document.removeEventListener('visibilitychange', onVisibilityChange);
+            document.removeEventListener('prerenderingchange', onVisibilityChange);
+        };
+        const fire = (source) => {
+            if (fired) {
+                return;
+            }
+            fired = true;
+            cleanup();
+            handler(source);
+        };
+        function onInteraction() {
+            if (!isPageHidden()) {
+                fire('interaction');
+            }
+        }
+        function startDwell() {
+            if (fired || timer !== undefined) {
+                return;
+            }
+            timer = setTimeout(() => fire('dwell'), dwellMs);
+        }
+        function onVisibilityChange() {
+            if (!isPageHidden()) {
+                startDwell();
+            }
+        }
+        for (const event of INTERACTION_EVENTS) {
+            document.addEventListener(event, onInteraction, {
+                capture: true,
+                passive: true,
+            });
+        }
+        document.addEventListener('visibilitychange', onVisibilityChange);
+        document.addEventListener('prerenderingchange', onVisibilityChange);
+        if (!isPageHidden()) {
+            startDwell();
+        }
+        return cleanup;
+    }
+
     var V3_URL = 'https://js.stripe.com/v3';
     var V3_URL_REGEX = /^https:\/\/js\.stripe\.com\/v3\/?(\?.*)?$/;
     var EXISTING_SCRIPT_MESSAGE = 'loadStripe.setLoadParameters was called but an existing Stripe.js script already exists in the document; existing script parameters will be used';
@@ -1899,14 +2179,6 @@
                     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();
@@ -1963,11 +2235,6 @@
             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 +2807,6 @@
             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 +2824,6 @@
             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();
@@ -2583,6 +2836,98 @@
         }
         async initMethod(method, element, callbacks) {
             this._ensureNotDestroyed();
+            const deferred = await this.initMethodDeferred(method, element, callbacks);
+            if (deferred) {
+                return deferred;
+            }
+            return await this.initMethodNow(method, element, callbacks);
+        }
+        /**
+         * Renders Apple's native button immediately and postpones session creation
+         * until the visitor interacts. Returns null when deferral does not apply, so
+         * the caller falls back to creating the session on mount.
+         */
+        async initMethodDeferred(method, element, callbacks) {
+            const applePay = this.checkoutConfig.applePay;
+            const buttonType = applePay?.buttonType;
+            if (this.checkoutConfig.sessionCreation !== 'onInteraction' ||
+                method !== exports.PaymentMethod.APPLE_PAY ||
+                this.isReady() ||
+                !buttonType ||
+                !isNativeOnlyApplePayButtonType(buttonType)) {
+                return null;
+            }
+            let started = null;
+            let real = null;
+            let disabled = false;
+            let stopWaiting = () => { };
+            let placeholder = null;
+            const mountedAt = Date.now();
+            const start = (trigger) => {
+                const fromTap = trigger === 'tap';
+                if (!started) {
+                    setWarmupTag(trigger, Date.now() - mountedAt);
+                    started = (async () => {
+                        stopWaiting();
+                        if (fromTap) {
+                            callbacks.onLoaderChange?.(true);
+                        }
+                        try {
+                            placeholder?.remove();
+                            placeholder = null;
+                            const methodInterface = await this.initMethodNow(method, element, callbacks);
+                            real = methodInterface;
+                            if (disabled) {
+                                methodInterface.setDisabled(true);
+                            }
+                            return methodInterface;
+                        }
+                        finally {
+                            if (fromTap) {
+                                callbacks.onLoaderChange?.(false);
+                            }
+                        }
+                    })();
+                }
+                return started;
+            };
+            placeholder = await renderPlaceholderApplePayButton(element, {
+                buttonType,
+                buttonStyle: applePay?.buttonStyle,
+                // Cold tap: the visitor's first interaction is the button itself, so the
+                // session cannot exist yet and ApplePaySession would lose the gesture.
+                // Start now and let the loader cover the (rare) second tap.
+                onActivate: () => void start('tap'),
+            });
+            if (!placeholder) {
+                return null;
+            }
+            // Free head start: Primer's SDK is a static asset on their CDN, so
+            // fetching it now costs no backend call and leaves only the session
+            // request to complete before the first tap.
+            void loadPrimerSDK().catch(() => { });
+            stopWaiting = onSessionWarmup(trigger => void start(trigger));
+            return {
+                setDisabled: (value) => {
+                    disabled = value;
+                    real?.setDisabled(value);
+                    if (placeholder) {
+                        placeholder.style.pointerEvents = value ? 'none' : '';
+                        placeholder.style.opacity = value ? '0.5' : '';
+                    }
+                },
+                destroy: async () => {
+                    stopWaiting();
+                    placeholder?.remove();
+                    placeholder = null;
+                    if (started) {
+                        await (await started).destroy?.();
+                    }
+                    await this.destroy();
+                },
+            };
+        }
+        async initMethodNow(method, element, callbacks) {
             if (!this.isReady()) {
                 await this.createSession();
             }
@@ -2800,6 +3145,7 @@
                         ...DEFAULT_BUTTONS_OPTIONS[exports.PaymentMethod.GOOGLE_PAY],
                         ...(options.googlePay || {}),
                     },
+                    sessionCreation: options.sessionCreation,
                 },
             });
             return await checkoutInstance.initMethod(method, element, {
@@ -2988,9 +3334,9 @@
 
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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: #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";
 
     class CardSkin {
         constructor(containerEl, checkoutConfig, cardSessionFieldConfig) {
@@ -3025,39 +3371,6 @@
                     }
                 }
             };
-            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 +3594,6 @@
             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}`);
@@ -3421,68 +3728,7 @@
         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;
         // Tax flow is driven by the tenant setting (session.tax_enabled); enableTax is a legacy override.
@@ -3492,8 +3738,6 @@
             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 +3760,22 @@
             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 +3786,16 @@
                 : {}),
         });
         // 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 +3811,6 @@
             const country = taxAddress.country;
             const postal = taxAddress.postalCode;
             if (!country) {
-                taxSummary.setIdle();
                 return;
             }
             const seq = ++recalcSeq;
@@ -3580,13 +3824,11 @@
                 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);
+                });
             }
             catch (err) {
                 if (seq !== recalcSeq)
@@ -3595,7 +3837,6 @@
                     taxCalc = undefined;
                     params.onTaxError?.(err);
                 }
-                taxSummary.setIdle();
             }
         };
         paymentElement.mount(element);
@@ -3620,19 +3861,21 @@
                 };
                 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,
+                taxAmount: tax_amount ?? 0,
+                currency,
+            });
+        }
         if (taxEnabled && collectLocation)
             void runRecalc();
         await new Promise((resolve, reject) => {
@@ -3654,10 +3897,10 @@
                     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;