@happyvertical/payments 0.105.2 → 0.105.4

package/README.md

@@ -34,13 +34,50 @@ import { StripeAdapter } from '@happyvertical/payments/stripe';
   Greenfield client for billing integrations — see
   [BTCPay Greenfield client](#btcpay-greenfield-client).
 - `StripeAdapter`: Stripe Checkout URL settlement, webhook verification,
-  refunds, Stripe Connect transfers, saved payment methods / card-on-file
+  refunds, Stripe Connect Standard direct charges, transfers, saved payment methods / card-on-file
   (`createSetupSession` / `getSetupResult`), and the manual-capture card
   lifecycle (`authorizePayment` / `capturePayment` / `voidPayment`).
 
 The package does not depend on SMRT or a database. Consumers own quote
 persistence, webhook routing, and operational policy.
 
+### Stripe Connect Standard direct charges
+
+Pass `stripeAccount` to a `StripeAdapter` for a fixed connected-account scope,
+or to an individual Checkout, PaymentIntent, refund, status, or setup
+call. The adapter sends it as Stripe's `Stripe-Account` header. With no account
+configured or supplied, requests retain platform-account behavior.
+
+```ts
+const workerCoopPayments = new StripeAdapter({
+  secretKey: process.env.STRIPE_SECRET_KEY!,
+  stripeAccount: 'acct_worker_coop',
+  successUrl,
+  cancelUrl,
+});
+
+await workerCoopPayments.createPaymentOption({
+  quoteId: 'project-revenue-42',
+  amount: 10_000,
+  currency: 'USD',
+  expiresAt,
+  applicationFeeAmount: 500,
+});
+
+await workerCoopPayments.refundPayment({
+  paymentId: 'pi_123',
+  amount: 10_000,
+  refundApplicationFee: true,
+});
+```
+
+Amounts, including `applicationFeeAmount`, are integer minor units. The fee is
+collected by Stripe from the direct charge; downstream accounting must offset
+the matching platform allocation so it is never a second payable. The SDK only
+propagates provider flags and account scope; it does not calculate allocations
+or post accounting entries. `refundApplicationFee` and `reverseTransfer` are
+sent only when explicitly requested.
+
 ### BTCPay Greenfield client
 
 `BtcpayClient` is a stateless client for one BTCPay Server store (Greenfield

package/dist/adapters/stripe.d.ts

@@ -15,6 +15,39 @@ export interface StripeAdapterOptions {
     pollIntervalMs?: number;
     maxStoredPaymentOptions?: number;
     maxStoredWebhookEventIds?: number;
+    /** Default Stripe Connect account for this adapter's provider requests. */
+    stripeAccount?: string;
+}
+/** Stripe Connect account scope for a request; omit it for the platform. */
+export interface StripeAccountScope {
+    stripeAccount?: string;
+}
+export interface StripeCreatePaymentOptionInput extends CreatePaymentOptionInput, StripeAccountScope {
+    /** Stripe application fee in integer minor units for this direct charge. */
+    applicationFeeAmount?: number;
+}
+export interface StripePaymentStatusContext extends PaymentStatusContext, StripeAccountScope {
+}
+export interface StripeRefundPaymentInput extends RefundPaymentInput, StripeAccountScope {
+    /** Refund a Stripe application fee collected with the charge. */
+    refundApplicationFee?: boolean;
+    /** Reverse a destination transfer when the provider supports one. */
+    reverseTransfer?: boolean;
+}
+export interface StripeAuthorizePaymentInput extends AuthorizePaymentInput, StripeAccountScope {
+    /** Stripe application fee in integer minor units for this PaymentIntent. */
+    applicationFeeAmount?: number;
+}
+export interface StripeCapturePaymentInput extends CapturePaymentInput, StripeAccountScope {
+}
+export interface StripeVoidPaymentInput extends VoidPaymentInput, StripeAccountScope {
+}
+export interface StripeCreateSetupSessionInput extends CreateSetupSessionInput, StripeAccountScope {
+}
+export interface StripeGetSetupResultInput extends GetSetupResultInput, StripeAccountScope {
+}
+export interface StripeWatchPaymentInput extends Omit<WatchPaymentInput, 'statusContext'> {
+    statusContext?: StripePaymentStatusContext;
 }
 export interface StripeWebhookEvent extends PaymentWebhookEvent {
     id: string;
@@ -35,25 +68,28 @@ export declare class StripeAdapter implements PaymentBackend {
     private readonly supportedCurrencies;
     private readonly checkoutMode;
     private readonly webhookSecret;
+    private readonly stripeAccount;
     private readonly maxStoredPaymentOptions;
     private readonly maxStoredWebhookEventIds;
     private readonly optionsByQuote;
     private readonly seenWebhookEventIds;
     constructor(options: StripeAdapterOptions);
-    createPaymentOption(input: CreatePaymentOptionInput): Promise<PaymentOption>;
-    watchPayment(input: WatchPaymentInput): AsyncIterable<PaymentEvent>;
-    getStatus(quoteId: string, payTo: string, context?: PaymentStatusContext): Promise<PaymentStatusResult>;
+    createPaymentOption(input: StripeCreatePaymentOptionInput): Promise<PaymentOption>;
+    watchPayment(input: StripeWatchPaymentInput): AsyncIterable<PaymentEvent>;
+    getStatus(quoteId: string, payTo: string, context?: StripePaymentStatusContext): Promise<PaymentStatusResult>;
     sendPayout(input: SendPayoutInput): Promise<PayoutResult>;
-    refundPayment(input: RefundPaymentInput): Promise<RefundResult>;
-    authorizePayment(input: AuthorizePaymentInput): Promise<AuthorizationResult>;
-    capturePayment(input: CapturePaymentInput): Promise<CaptureResult>;
-    voidPayment(input: VoidPaymentInput): Promise<VoidResult>;
-    createSetupSession(input: CreateSetupSessionInput): Promise<SetupSession>;
-    getSetupResult(input: GetSetupResultInput): Promise<SavedPaymentMethod>;
+    refundPayment(input: StripeRefundPaymentInput): Promise<RefundResult>;
+    authorizePayment(input: StripeAuthorizePaymentInput): Promise<AuthorizationResult>;
+    capturePayment(input: StripeCapturePaymentInput): Promise<CaptureResult>;
+    voidPayment(input: StripeVoidPaymentInput): Promise<VoidResult>;
+    createSetupSession(input: StripeCreateSetupSessionInput): Promise<SetupSession>;
+    getSetupResult(input: StripeGetSetupResultInput): Promise<SavedPaymentMethod>;
     parseWebhookEvent(payload: string, signature?: string): StripeWebhookEvent;
     private stripeRequest;
     private assertSupportedCurrency;
     private resolveStripeRefundReferenceParam;
+    private resolveStripeAccount;
+    private findStoredOptionBySessionId;
 }
 export declare function verifyStripeWebhookSignature(payload: string, signatureHeader: string, secret: string, toleranceSeconds?: number): void;
 //# sourceMappingURL=stripe.d.ts.map

package/dist/adapters/stripe.d.ts.map

@@ -1 +1 @@
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package/dist/adapters/stripe.js

@@ -18,6 +18,7 @@ var StripeAdapter = class {
 	supportedCurrencies;
 	checkoutMode;
 	webhookSecret;
+	stripeAccount;
 	maxStoredPaymentOptions;
 	maxStoredWebhookEventIds;
 	optionsByQuote = /* @__PURE__ */ new Map();
@@ -44,6 +45,7 @@ var StripeAdapter = class {
 		this.checkoutMode = options.checkoutMode ?? "payment";
 		if (this.checkoutMode !== "payment") throw new PaymentConfigurationError("StripeAdapter only supports payment Checkout mode.");
 		this.webhookSecret = options.webhookSecret?.trim();
+		this.stripeAccount = normalizeOptionalStripeAccount(options.stripeAccount, "StripeAdapter stripeAccount");
 		this.capabilities = {
 			id: STRIPE_BACKEND_ID,
 			displayName: "Stripe Checkout",
@@ -75,6 +77,7 @@ var StripeAdapter = class {
 		const currency = normalizeStripeCurrency(input.currency);
 		this.assertSupportedCurrency(currency);
 		const amount = normalizePositivePaymentAmount(input.amount, currency, "Stripe Checkout amount");
+		const applicationFeeAmount = normalizeApplicationFeeAmount(input.applicationFeeAmount, amount, "Stripe Checkout applicationFeeAmount");
 		const stripeExpiresAt = normalizeStripeCheckoutExpiresAt(normalizeDate(input.expiresAt));
 		const params = {
 			mode: this.checkoutMode,
@@ -89,12 +92,15 @@ var StripeAdapter = class {
 			"line_items[0][price_data][currency]": currency,
 			"line_items[0][price_data][unit_amount]": amount,
 			"line_items[0][price_data][product_data][name]": input.description ?? `Quote ${quoteId}`,
+			...applicationFeeAmount === void 0 ? {} : { "payment_intent_data[application_fee_amount]": applicationFeeAmount },
 			...flattenStripeMetadata(input.metadata),
 			"metadata[quoteId]": quoteId
 		};
+		const stripeAccount = this.resolveStripeAccount(input.stripeAccount);
 		const session = await this.stripeRequest("/checkout/sessions", {
 			method: "POST",
 			idempotencyKey: input.idempotencyKey,
+			stripeAccount,
 			body: formEncode(params)
 		});
 		const sessionId = normalizeOptionalProviderString(readProviderString(session, "id"));
@@ -114,10 +120,11 @@ var StripeAdapter = class {
 			paymentUri: checkoutUrl,
 			metadata: {
 				sessionId,
+				stripeAccount,
 				paymentIntent: normalizeOptionalProviderString(readProviderString(session, "payment_intent"))
 			}
 		};
-		rememberPaymentOption(this.optionsByQuote, quoteId, option, this.maxStoredPaymentOptions);
+		rememberPaymentOption(this.optionsByQuote, stripePaymentOptionKey(quoteId, stripeAccount), option, this.maxStoredPaymentOptions);
 		return option;
 	}
 	watchPayment(input) {
@@ -130,14 +137,19 @@ var StripeAdapter = class {
 		const normalizedQuoteId = normalizeNonEmptyString(quoteId, "Stripe quoteId");
 		const normalizedPayTo = normalizeNonEmptyString(payTo, "Stripe payTo");
 		const contextProviderPaymentId = context.providerPaymentId === void 0 ? void 0 : normalizeNonEmptyString(context.providerPaymentId, "Stripe providerPaymentId");
-		const sessionId = this.optionsByQuote.get(normalizedQuoteId)?.providerPaymentId ?? contextProviderPaymentId ?? extractStripeSessionId(normalizedPayTo);
+		const contextStripeAccount = normalizeOptionalStripeAccount(context.stripeAccount, "Stripe stripeAccount");
+		const scopedOption = this.optionsByQuote.get(stripePaymentOptionKey(normalizedQuoteId, contextStripeAccount ?? this.stripeAccount));
+		const sessionId = contextProviderPaymentId ?? extractStripeSessionId(normalizedPayTo) ?? scopedOption?.providerPaymentId;
 		if (!sessionId) throw new PaymentConfigurationError("Stripe getStatus requires a Checkout Session id or URL.");
-		const session = await this.stripeRequest(`/checkout/sessions/${encodeURIComponent(sessionId)}`);
+		const storedOption = this.findStoredOptionBySessionId(sessionId);
+		const stripeAccount = contextStripeAccount ?? readStripeOptionAccount(storedOption) ?? this.stripeAccount;
+		const cachedOption = this.optionsByQuote.get(stripePaymentOptionKey(normalizedQuoteId, stripeAccount));
+		const option = cachedOption?.providerPaymentId === sessionId ? cachedOption : void 0;
+		const session = await this.stripeRequest(`/checkout/sessions/${encodeURIComponent(sessionId)}`, { stripeAccount });
 		const sessionQuoteId = readStripeSessionQuoteId(session);
 		if (sessionQuoteId !== void 0 && sessionQuoteId !== normalizedQuoteId) throw new PaymentVerificationError(`Stripe Checkout Session quoteId ${sessionQuoteId} did not match ${normalizedQuoteId}.`);
 		const paymentStatus = readString(session, "payment_status");
 		const status = mapStripeStatus(readString(session, "status"), paymentStatus);
-		const option = this.optionsByQuote.get(normalizedQuoteId);
 		const contextAmount = context.amount === void 0 ? void 0 : normalizeMinorUnitAmount(context.amount, "Stripe status");
 		const contextCurrency = context.currency === void 0 ? void 0 : normalizeStripeCurrency(context.currency).toUpperCase();
 		const sessionCurrency = readString(session, "currency") === void 0 ? void 0 : normalizeStripeCurrency(readString(session, "currency") ?? "").toUpperCase();
@@ -194,15 +206,19 @@ var StripeAdapter = class {
 		const currency = normalizeStripeCurrency(input.currency ?? this.defaultCurrency);
 		this.assertSupportedCurrency(currency);
 		const amount = input.amount === void 0 ? void 0 : normalizePositivePaymentAmount(input.amount, currency, "Stripe refund amount");
+		const stripeAccount = this.resolveStripeAccount(input.stripeAccount);
 		const refundParams = {
-			...await this.resolveStripeRefundReferenceParam(paymentReference),
+			...await this.resolveStripeRefundReferenceParam(paymentReference, stripeAccount),
 			amount: amount === void 0 ? void 0 : amount,
 			reason: input.reason,
+			refund_application_fee: input.refundApplicationFee,
+			reverse_transfer: input.reverseTransfer,
 			...flattenStripeMetadata(input.metadata)
 		};
 		const refund = await this.stripeRequest("/refunds", {
 			method: "POST",
 			idempotencyKey: input.idempotencyKey,
+			stripeAccount,
 			body: formEncode(refundParams)
 		});
 		return {
@@ -222,15 +238,18 @@ var StripeAdapter = class {
 		const paymentMethod = normalizeNonEmptyString(input.providerPaymentMethodId, "Stripe authorize providerPaymentMethodId");
 		const providerCustomerId = input.providerCustomerId === void 0 ? void 0 : normalizeNonEmptyString(input.providerCustomerId, "Stripe authorize providerCustomerId");
 		const quoteId = input.quoteId === void 0 ? void 0 : normalizeNonEmptyString(input.quoteId, "Stripe authorize quoteId");
+		const applicationFeeAmount = normalizeApplicationFeeAmount(input.applicationFeeAmount, amount, "Stripe PaymentIntent applicationFeeAmount");
 		const intent = await this.stripeRequest("/payment_intents", {
 			method: "POST",
 			idempotencyKey: input.idempotencyKey,
+			stripeAccount: this.resolveStripeAccount(input.stripeAccount),
 			body: formEncode({
 				amount,
 				currency,
 				confirm: true,
 				"payment_method_types[]": "card",
 				description: input.description,
+				application_fee_amount: applicationFeeAmount,
 				...Object.fromEntries([
 					["payment_method", paymentMethod],
 					["capture_method", "manual"],
@@ -262,6 +281,7 @@ var StripeAdapter = class {
 		const intent = await this.stripeRequest(`/payment_intents/${encodeURIComponent(providerPaymentId)}/capture`, {
 			method: "POST",
 			idempotencyKey: input.idempotencyKey,
+			stripeAccount: this.resolveStripeAccount(input.stripeAccount),
 			body: formEncode({
 				...Object.fromEntries([["amount_to_capture", amount]]),
 				...flattenStripeMetadata(input.metadata)
@@ -282,6 +302,7 @@ var StripeAdapter = class {
 		const intent = await this.stripeRequest(`/payment_intents/${encodeURIComponent(providerPaymentId)}/cancel`, {
 			method: "POST",
 			idempotencyKey: input.idempotencyKey,
+			stripeAccount: this.resolveStripeAccount(input.stripeAccount),
 			body: formEncode(Object.fromEntries([["cancellation_reason", reason]]))
 		});
 		return {
@@ -322,6 +343,7 @@ var StripeAdapter = class {
 		const session = await this.stripeRequest("/checkout/sessions", {
 			method: "POST",
 			idempotencyKey: input.idempotencyKey,
+			stripeAccount: this.resolveStripeAccount(input.stripeAccount),
 			body: formEncode(params)
 		});
 		const sessionId = normalizeOptionalProviderString(readProviderString(session, "id"));
@@ -339,7 +361,7 @@ var StripeAdapter = class {
 		const sessionId = normalizeNonEmptyString(input.sessionId, "Stripe setup sessionId");
 		const query = new URLSearchParams();
 		query.append("expand[]", "setup_intent.payment_method");
-		const session = await this.stripeRequest(`/checkout/sessions/${encodeURIComponent(sessionId)}?${query.toString()}`);
+		const session = await this.stripeRequest(`/checkout/sessions/${encodeURIComponent(sessionId)}?${query.toString()}`, { stripeAccount: this.resolveStripeAccount(input.stripeAccount) });
 		const setupIntent = readObject(session, "setup_intent");
 		const paymentMethod = readObject(setupIntent, "payment_method");
 		const card = readObject(paymentMethod, "card");
@@ -393,8 +415,9 @@ var StripeAdapter = class {
 		headers.set("Content-Type", "application/x-www-form-urlencoded");
 		headers.set("Accept", "application/json");
 		headers.set("Stripe-Version", this.apiVersion);
+		if (init.stripeAccount !== void 0) headers.set("Stripe-Account", init.stripeAccount);
 		if (init.idempotencyKey !== void 0) headers.set("Idempotency-Key", normalizeNonEmptyString(init.idempotencyKey, "Stripe idempotencyKey"));
-		const { idempotencyKey: _idempotencyKey, ...requestInit } = init;
+		const { idempotencyKey: _idempotencyKey, stripeAccount: _stripeAccount, ...requestInit } = init;
 		return readJsonResponse(await this.fetch(`${this.apiBaseUrl}${path}`, {
 			...requestInit,
 			method: init.method ?? "GET",
@@ -404,15 +427,37 @@ var StripeAdapter = class {
 	assertSupportedCurrency(currency) {
 		if (!this.supportedCurrencies.has(currency)) throw new PaymentConfigurationError(`StripeAdapter currency ${currency.toUpperCase()} is not configured as supported.`);
 	}
-	async resolveStripeRefundReferenceParam(paymentReference) {
+	async resolveStripeRefundReferenceParam(paymentReference, stripeAccount) {
 		if (paymentReference.startsWith("cs_")) {
-			const paymentIntent = normalizeOptionalProviderString(readProviderString(await this.stripeRequest(`/checkout/sessions/${encodeURIComponent(paymentReference)}`), "payment_intent"));
+			const paymentIntent = normalizeOptionalProviderString(readProviderString(await this.stripeRequest(`/checkout/sessions/${encodeURIComponent(paymentReference)}`, { stripeAccount }), "payment_intent"));
 			if (!paymentIntent) throw new PaymentProviderError("Stripe Checkout Session did not include payment_intent for refund.");
 			return Object.fromEntries([["payment_intent", paymentIntent]]);
 		}
 		return stripeRefundReferenceParam(paymentReference);
 	}
+	resolveStripeAccount(override) {
+		return normalizeOptionalStripeAccount(override, "Stripe stripeAccount") ?? this.stripeAccount;
+	}
+	findStoredOptionBySessionId(sessionId) {
+		for (const option of this.optionsByQuote.values()) if (option.providerPaymentId === sessionId) return option;
+	}
 };
+function readStripeOptionAccount(option) {
+	const value = option?.metadata?.stripeAccount;
+	return typeof value === "string" ? value : void 0;
+}
+function normalizeOptionalStripeAccount(value, context) {
+	return value === void 0 ? void 0 : normalizeNonEmptyString(value, context);
+}
+function normalizeApplicationFeeAmount(value, chargeAmount, context) {
+	if (value === void 0) return void 0;
+	const fee = normalizePositiveMinorUnitAmount(value, context);
+	if (fee > chargeAmount) throw new PaymentConfigurationError(`${context} must not exceed the charge amount.`);
+	return fee;
+}
+function stripePaymentOptionKey(quoteId, stripeAccount) {
+	return stripeAccount === void 0 ? quoteId : `${stripeAccount}\0${quoteId}`;
+}
 function stripeRefundReferenceParam(paymentReference) {
 	if (paymentReference.startsWith("pi_")) return Object.fromEntries([["payment_intent", paymentReference]]);
 	if (paymentReference.startsWith("ch_")) return { charge: paymentReference };

package/dist/adapters/stripe.js.map

@@ -1 +1 @@
-{"version":3,"file":"stripe.js","names":[],"sources":["../../src/adapters/stripe.ts"],"sourcesContent":["import { createHmac, timingSafeEqual } from 'node:crypto';\nimport {\n  PaymentConfigurationError,\n  PaymentProviderError,\n  PaymentVerificationError,\n} from '../errors.js';\nimport {\n  applyExpiryToPendingStatus,\n  type FetchLike,\n  formEncode,\n  getFetch,\n  normalizeDate,\n  normalizeMaxStoredPaymentOptions,\n  normalizeMinorUnitAmount,\n  normalizeNonEmptyString,\n  normalizePositiveMinorUnitAmount,\n  normalizePositivePaymentAmount,\n  normalizeUrlString,\n  pollPaymentStatus,\n  readJsonResponse,\n  rememberPaymentOption,\n} from '../shared.js';\nimport type {\n  AuthorizationResult,\n  AuthorizePaymentInput,\n  CapturePaymentInput,\n  CaptureResult,\n  CreatePaymentOptionInput,\n  CreateSetupSessionInput,\n  GetSetupResultInput,\n  PaymentBackend,\n  PaymentBackendCapabilities,\n  PaymentEvent,\n  PaymentOption,\n  PaymentStatus,\n  PaymentStatusContext,\n  PaymentStatusResult,\n  PaymentWebhookEvent,\n  PayoutResult,\n  RefundPaymentInput,\n  RefundResult,\n  SavedPaymentMethod,\n  SendPayoutInput,\n  SetupSession,\n  VoidPaymentInput,\n  VoidResult,\n  WatchPaymentInput,\n} from '../types.js';\n\nexport const STRIPE_BACKEND_ID = 'stripe';\nconst STRIPE_CHECKOUT_MIN_EXPIRY_MS = 30 * 60 * 1_000;\nconst STRIPE_CHECKOUT_MAX_EXPIRY_MS = 24 * 60 * 60 * 1_000;\nconst DEFAULT_STRIPE_API_VERSION = '2024-06-20';\nconst DEFAULT_MAX_STORED_WEBHOOK_EVENT_IDS = 50_000;\n\nexport interface StripeAdapterOptions {\n  secretKey: string;\n  fetch?: FetchLike;\n  apiBaseUrl?: string;\n  apiVersion?: string;\n  defaultCurrency?: string;\n  supportedCurrencies?: string[];\n  successUrl?: string;\n  cancelUrl?: string;\n  checkoutMode?: string;\n  webhookSecret?: string;\n  pollIntervalMs?: number;\n  maxStoredPaymentOptions?: number;\n  maxStoredWebhookEventIds?: number;\n}\n\nexport interface StripeWebhookEvent extends PaymentWebhookEvent {\n  id: string;\n  type: string;\n  status: PaymentStatus;\n  quoteId?: string;\n  providerPaymentId?: string;\n  raw: unknown;\n}\n\nexport class StripeAdapter implements PaymentBackend {\n  readonly capabilities: PaymentBackendCapabilities;\n\n  private readonly fetch: FetchLike;\n  private readonly secretKey: string;\n  private readonly apiBaseUrl: string;\n  private readonly apiVersion: string;\n  private readonly defaultCurrency: string;\n  private readonly supportedCurrencies: Set<string>;\n  private readonly checkoutMode: string;\n  private readonly webhookSecret: string | undefined;\n  private readonly maxStoredPaymentOptions: number;\n  private readonly maxStoredWebhookEventIds: number;\n  private readonly optionsByQuote = new Map<string, PaymentOption>();\n  private readonly seenWebhookEventIds = new Set<string>();\n\n  constructor(private readonly options: StripeAdapterOptions) {\n    if (typeof options.secretKey !== 'string' || !options.secretKey.trim()) {\n      throw new PaymentConfigurationError('StripeAdapter requires secretKey.');\n    }\n\n    if (options.webhookSecret !== undefined) {\n      if (typeof options.webhookSecret !== 'string') {\n        throw new PaymentConfigurationError(\n          'StripeAdapter webhookSecret must be a string when configured.',\n        );\n      }\n\n      if (!options.webhookSecret.trim()) {\n        throw new PaymentConfigurationError(\n          'StripeAdapter webhookSecret must not be empty when configured.',\n        );\n      }\n    }\n\n    if (options.apiBaseUrl !== undefined) {\n      if (typeof options.apiBaseUrl !== 'string') {\n        throw new PaymentConfigurationError(\n          'StripeAdapter apiBaseUrl must be a string when configured.',\n        );\n      }\n\n      if (!options.apiBaseUrl.trim()) {\n        throw new PaymentConfigurationError(\n          'StripeAdapter apiBaseUrl must not be empty when configured.',\n        );\n      }\n    }\n\n    this.fetch = getFetch(options.fetch);\n    this.maxStoredPaymentOptions = normalizeMaxStoredPaymentOptions(\n      options.maxStoredPaymentOptions,\n      'StripeAdapter maxStoredPaymentOptions',\n    );\n    this.maxStoredWebhookEventIds = normalizeMaxStoredPaymentOptions(\n      options.maxStoredWebhookEventIds ?? DEFAULT_MAX_STORED_WEBHOOK_EVENT_IDS,\n      'StripeAdapter maxStoredWebhookEventIds',\n    );\n    this.secretKey = options.secretKey.trim();\n    this.apiBaseUrl = normalizeUrlString(\n      options.apiBaseUrl ?? 'https://api.stripe.com/v1',\n      'StripeAdapter apiBaseUrl',\n    ).replace(/\\/$/, '');\n    this.apiVersion = normalizeNonEmptyString(\n      options.apiVersion ?? DEFAULT_STRIPE_API_VERSION,\n      'StripeAdapter apiVersion',\n    );\n    this.defaultCurrency = normalizeStripeCurrency(\n      options.defaultCurrency ?? 'usd',\n    );\n    this.supportedCurrencies = normalizeSupportedStripeCurrencies(\n      options.supportedCurrencies,\n      this.defaultCurrency,\n    );\n    this.checkoutMode = options.checkoutMode ?? 'payment';\n\n    if (this.checkoutMode !== 'payment') {\n      throw new PaymentConfigurationError(\n        'StripeAdapter only supports payment Checkout mode.',\n      );\n    }\n\n    this.webhookSecret = options.webhookSecret?.trim();\n    this.capabilities = {\n      id: STRIPE_BACKEND_ID,\n      displayName: 'Stripe Checkout',\n      settlementCurrency: this.defaultCurrency.toUpperCase(),\n      supportedSettlementCurrencies: [...this.supportedCurrencies].map(\n        (currency) => currency.toUpperCase(),\n      ),\n      chain: 'stripe',\n      settlementShape: 'url',\n      x402Capable: false,\n      confirmationLatency: {\n        expectedSeconds: 5,\n        maxExpectedSeconds: 600,\n        description:\n          'Card payments usually confirm in seconds; bank debits can remain processing while Stripe settles them.',\n      },\n      supportsRefunds: true,\n      supportsPayouts: true,\n      supportsWebhooks: true,\n      supportsManualCapture: true,\n      supportsSavedPaymentMethods: true,\n      metadata: {\n        provider: 'stripe',\n      },\n    };\n  }\n\n  async createPaymentOption(\n    input: CreatePaymentOptionInput,\n  ): Promise<PaymentOption> {\n    const quoteId = normalizeNonEmptyString(input.quoteId, 'Stripe quoteId');\n    const rawSuccessUrl = input.successUrl ?? this.options.successUrl;\n    const rawCancelUrl = input.cancelUrl ?? this.options.cancelUrl;\n\n    if (rawSuccessUrl === undefined || rawCancelUrl === undefined) {\n      throw new PaymentConfigurationError(\n        'StripeAdapter createPaymentOption requires successUrl and cancelUrl.',\n      );\n    }\n\n    const successUrl = normalizeUrlString(rawSuccessUrl, 'Stripe successUrl');\n    const cancelUrl = normalizeUrlString(rawCancelUrl, 'Stripe cancelUrl');\n    const currency = normalizeStripeCurrency(input.currency);\n    this.assertSupportedCurrency(currency);\n    const amount = normalizePositivePaymentAmount(\n      input.amount,\n      currency,\n      'Stripe Checkout amount',\n    );\n    const expiresAt = normalizeDate(input.expiresAt);\n    const stripeExpiresAt = normalizeStripeCheckoutExpiresAt(expiresAt);\n    const params: Record<string, unknown> = {\n      mode: this.checkoutMode,\n      ...Object.fromEntries([\n        ['success_url', successUrl],\n        ['cancel_url', cancelUrl],\n        ['client_reference_id', quoteId],\n        ['customer_email', input.buyerEmail],\n        ['expires_at', Math.floor(stripeExpiresAt.getTime() / 1_000)],\n      ]),\n      'line_items[0][quantity]': 1,\n      'line_items[0][price_data][currency]': currency,\n      'line_items[0][price_data][unit_amount]': amount,\n      'line_items[0][price_data][product_data][name]':\n        input.description ?? `Quote ${quoteId}`,\n      ...flattenStripeMetadata(input.metadata),\n      'metadata[quoteId]': quoteId,\n    };\n\n    const session = await this.stripeRequest<Record<string, unknown>>(\n      '/checkout/sessions',\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        body: formEncode(params),\n      },\n    );\n    const sessionId = normalizeOptionalProviderString(\n      readProviderString(session, 'id'),\n    );\n    const checkoutUrl = normalizeOptionalProviderString(\n      readProviderString(session, 'url'),\n    );\n\n    if (!sessionId || !checkoutUrl) {\n      throw new PaymentProviderError(\n        'Stripe Checkout Session response did not include id and url.',\n      );\n    }\n\n    const option: PaymentOption = {\n      backendId: this.capabilities.id,\n      quoteId,\n      payTo: checkoutUrl,\n      settlementShape: 'url',\n      settlementCurrency: currency.toUpperCase(),\n      settlementAmount: amount,\n      amount,\n      currency: currency.toUpperCase(),\n      expiresAt: stripeExpiresAt,\n      providerPaymentId: sessionId,\n      paymentUri: checkoutUrl,\n      metadata: {\n        sessionId,\n        paymentIntent: normalizeOptionalProviderString(\n          readProviderString(session, 'payment_intent'),\n        ),\n      },\n    };\n\n    rememberPaymentOption(\n      this.optionsByQuote,\n      quoteId,\n      option,\n      this.maxStoredPaymentOptions,\n    );\n\n    return option;\n  }\n\n  watchPayment(input: WatchPaymentInput): AsyncIterable<PaymentEvent> {\n    return pollPaymentStatus(\n      {\n        ...input,\n        pollIntervalMs:\n          input.pollIntervalMs ?? this.options.pollIntervalMs ?? 5_000,\n      },\n      () => this.getStatus(input.quoteId, input.payTo, input.statusContext),\n    );\n  }\n\n  async getStatus(\n    quoteId: string,\n    payTo: string,\n    context: PaymentStatusContext = {},\n  ): Promise<PaymentStatusResult> {\n    const normalizedQuoteId = normalizeNonEmptyString(\n      quoteId,\n      'Stripe quoteId',\n    );\n    const normalizedPayTo = normalizeNonEmptyString(payTo, 'Stripe payTo');\n    const contextProviderPaymentId =\n      context.providerPaymentId === undefined\n        ? undefined\n        : normalizeNonEmptyString(\n            context.providerPaymentId,\n            'Stripe providerPaymentId',\n          );\n    const sessionId =\n      this.optionsByQuote.get(normalizedQuoteId)?.providerPaymentId ??\n      contextProviderPaymentId ??\n      extractStripeSessionId(normalizedPayTo);\n\n    if (!sessionId) {\n      throw new PaymentConfigurationError(\n        'Stripe getStatus requires a Checkout Session id or URL.',\n      );\n    }\n\n    const session = await this.stripeRequest<Record<string, unknown>>(\n      `/checkout/sessions/${encodeURIComponent(sessionId)}`,\n    );\n    const sessionQuoteId = readStripeSessionQuoteId(session);\n\n    if (sessionQuoteId !== undefined && sessionQuoteId !== normalizedQuoteId) {\n      throw new PaymentVerificationError(\n        `Stripe Checkout Session quoteId ${sessionQuoteId} did not match ${normalizedQuoteId}.`,\n      );\n    }\n\n    const paymentStatus = readString(session, 'payment_status');\n    const status = mapStripeStatus(\n      readString(session, 'status'),\n      paymentStatus,\n    );\n\n    const option = this.optionsByQuote.get(normalizedQuoteId);\n    const contextAmount =\n      context.amount === undefined\n        ? undefined\n        : normalizeMinorUnitAmount(context.amount, 'Stripe status');\n    const contextCurrency =\n      context.currency === undefined\n        ? undefined\n        : normalizeStripeCurrency(context.currency).toUpperCase();\n    const sessionCurrency =\n      readString(session, 'currency') === undefined\n        ? undefined\n        : normalizeStripeCurrency(\n            readString(session, 'currency') ?? '',\n          ).toUpperCase();\n    const sessionAmount = readSafeInteger(session, 'amount_total');\n    const expiresAt =\n      option?.expiresAt ??\n      (context.expiresAt === undefined\n        ? undefined\n        : normalizeDate(context.expiresAt));\n    const effectiveStatus = applyExpiryToPendingStatus(status, expiresAt);\n\n    return {\n      backendId: this.capabilities.id,\n      quoteId: normalizedQuoteId,\n      payTo: normalizedPayTo,\n      status: effectiveStatus,\n      settlementCurrency:\n        sessionCurrency ??\n        option?.settlementCurrency ??\n        contextCurrency ??\n        this.defaultCurrency.toUpperCase(),\n      settlementAmount:\n        sessionAmount ?? option?.settlementAmount ?? contextAmount,\n      receivedAmount:\n        paymentStatus === 'paid' || paymentStatus === 'no_payment_required'\n          ? (sessionAmount ?? option?.settlementAmount ?? contextAmount)\n          : undefined,\n      amount: option?.amount ?? contextAmount,\n      currency: option?.currency ?? contextCurrency,\n      providerPaymentId: sessionId,\n      transactionId: normalizeOptionalProviderString(\n        readProviderString(session, 'payment_intent'),\n      ),\n      updatedAt: new Date(),\n      raw: session,\n    };\n  }\n\n  async sendPayout(input: SendPayoutInput): Promise<PayoutResult> {\n    const currency = normalizeStripeCurrency(\n      input.currency ?? this.defaultCurrency,\n    );\n    this.assertSupportedCurrency(currency);\n    const destination = normalizeNonEmptyString(\n      input.destination,\n      'Stripe payout destination',\n    );\n    const quoteId =\n      input.quoteId === undefined\n        ? undefined\n        : normalizeNonEmptyString(input.quoteId, 'Stripe payout quoteId');\n    const amount = normalizePositivePaymentAmount(\n      input.amount,\n      currency,\n      'Stripe payout amount',\n    );\n    const transfer = await this.stripeRequest<Record<string, unknown>>(\n      '/transfers',\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        body: formEncode({\n          amount,\n          currency,\n          destination,\n          description: input.memo,\n          ...flattenStripeMetadata(input.metadata),\n          ...(quoteId === undefined ? {} : { 'metadata[quoteId]': quoteId }),\n        }),\n      },\n    );\n\n    return {\n      backendId: this.capabilities.id,\n      status: 'submitted',\n      payoutId: normalizeOptionalProviderString(\n        readProviderString(transfer, 'id'),\n      ),\n      destination,\n      amount,\n      currency: currency.toUpperCase(),\n      raw: transfer,\n    };\n  }\n\n  async refundPayment(input: RefundPaymentInput): Promise<RefundResult> {\n    const rawPaymentReference = input.paymentId ?? input.transactionId;\n\n    if (!rawPaymentReference) {\n      throw new PaymentConfigurationError(\n        'Stripe refunds require paymentId or transactionId.',\n      );\n    }\n\n    const paymentReference = normalizeNonEmptyString(\n      rawPaymentReference,\n      'Stripe refund payment reference',\n    );\n    const currency = normalizeStripeCurrency(\n      input.currency ?? this.defaultCurrency,\n    );\n    this.assertSupportedCurrency(currency);\n    const amount =\n      input.amount === undefined\n        ? undefined\n        : normalizePositivePaymentAmount(\n            input.amount,\n            currency,\n            'Stripe refund amount',\n          );\n    const refundReferenceParam =\n      await this.resolveStripeRefundReferenceParam(paymentReference);\n    const refundParams: Record<string, unknown> = {\n      ...refundReferenceParam,\n      amount: amount === undefined ? undefined : amount,\n      reason: input.reason,\n      ...flattenStripeMetadata(input.metadata),\n    };\n\n    const refund = await this.stripeRequest<Record<string, unknown>>(\n      '/refunds',\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        body: formEncode(refundParams),\n      },\n    );\n\n    return {\n      backendId: this.capabilities.id,\n      status: mapStripeRefundStatus(readString(refund, 'status')),\n      refundId: normalizeOptionalProviderString(\n        readProviderString(refund, 'id'),\n      ),\n      transactionId: paymentReference,\n      // Read the settled amount and currency back from the refund object\n      // (mirrors capturePayment) so a full refund — no `input.amount` supplied,\n      // and possibly a currency differing from the adapter default when\n      // `input.currency` is omitted — surfaces what Stripe actually refunded\n      // instead of the request defaults.\n      amount: readSafeInteger(refund, 'amount') ?? amount,\n      currency: readStripeResultCurrency(refund) ?? currency.toUpperCase(),\n      raw: refund,\n    };\n  }\n\n  async authorizePayment(\n    input: AuthorizePaymentInput,\n  ): Promise<AuthorizationResult> {\n    const currency = normalizeStripeCurrency(input.currency);\n    this.assertSupportedCurrency(currency);\n    const amount = normalizePositivePaymentAmount(\n      input.amount,\n      currency,\n      'Stripe authorize amount',\n    );\n    const paymentMethod = normalizeNonEmptyString(\n      input.providerPaymentMethodId,\n      'Stripe authorize providerPaymentMethodId',\n    );\n    const providerCustomerId =\n      input.providerCustomerId === undefined\n        ? undefined\n        : normalizeNonEmptyString(\n            input.providerCustomerId,\n            'Stripe authorize providerCustomerId',\n          );\n    const quoteId =\n      input.quoteId === undefined\n        ? undefined\n        : normalizeNonEmptyString(input.quoteId, 'Stripe authorize quoteId');\n\n    const intent = await this.stripeRequest<Record<string, unknown>>(\n      '/payment_intents',\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        body: formEncode({\n          amount,\n          currency,\n          confirm: true,\n          'payment_method_types[]': 'card',\n          description: input.description,\n          ...Object.fromEntries([\n            ['payment_method', paymentMethod],\n            ['capture_method', 'manual'],\n            // Off-session (merchant-initiated) by default — the primary use is\n            // charging a saved card while the buyer is absent. Without this,\n            // Stripe treats it as on-session and may raise an SCA challenge the\n            // absent buyer can't complete, so the hold is never placed.\n            ['off_session', input.offSession ?? true],\n          ]),\n          ...(providerCustomerId === undefined\n            ? {}\n            : { customer: providerCustomerId }),\n          ...flattenStripeMetadata(input.metadata),\n          ...(quoteId === undefined ? {} : { 'metadata[quoteId]': quoteId }),\n        }),\n      },\n    );\n\n    const providerPaymentId = normalizeOptionalProviderString(\n      readProviderString(intent, 'id'),\n    );\n\n    if (!providerPaymentId) {\n      throw new PaymentProviderError(\n        'Stripe PaymentIntent response did not include an id.',\n      );\n    }\n\n    const status = mapStripeAuthorizationStatus(readString(intent, 'status'));\n    // Only surface the SCA fields when authentication is actually required — the\n    // documented contract — even though Stripe returns client_secret regardless.\n    // (Authorization progress is observed via `parseWebhookEvent`, which surfaces\n    // the ready-to-capture transition as `processing` — there is no distinct\n    // `requires_capture` webhook status; `getStatus` handles Checkout sessions,\n    // not PaymentIntents.)\n    const actionRequired = status === 'requires_action';\n\n    return {\n      backendId: this.capabilities.id,\n      status,\n      providerPaymentId,\n      amount: readSafeInteger(intent, 'amount') ?? amount,\n      currency: (readString(intent, 'currency') ?? currency).toUpperCase(),\n      clientSecret: actionRequired\n        ? normalizeOptionalProviderString(\n            readProviderString(intent, 'client_secret'),\n          )\n        : undefined,\n      nextAction: actionRequired\n        ? (intent.next_action ?? undefined)\n        : undefined,\n      raw: intent,\n    };\n  }\n\n  async capturePayment(input: CapturePaymentInput): Promise<CaptureResult> {\n    const providerPaymentId = normalizeNonEmptyString(\n      input.providerPaymentId,\n      'Stripe capture providerPaymentId',\n    );\n    const amount =\n      input.amount === undefined\n        ? undefined\n        : normalizePositiveMinorUnitAmount(\n            input.amount,\n            'Stripe capture amount',\n          );\n\n    const intent = await this.stripeRequest<Record<string, unknown>>(\n      `/payment_intents/${encodeURIComponent(providerPaymentId)}/capture`,\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        body: formEncode({\n          ...Object.fromEntries([['amount_to_capture', amount]]),\n          ...flattenStripeMetadata(input.metadata),\n        }),\n      },\n    );\n\n    return {\n      backendId: this.capabilities.id,\n      status: mapStripeCaptureStatus(readString(intent, 'status')),\n      providerPaymentId:\n        normalizeOptionalProviderString(readProviderString(intent, 'id')) ??\n        providerPaymentId,\n      amount:\n        readSafeInteger(intent, 'amount_received') ??\n        readSafeInteger(intent, 'amount') ??\n        amount,\n      currency: readStripeResultCurrency(intent),\n      raw: intent,\n    };\n  }\n\n  async voidPayment(input: VoidPaymentInput): Promise<VoidResult> {\n    const providerPaymentId = normalizeNonEmptyString(\n      input.providerPaymentId,\n      'Stripe void providerPaymentId',\n    );\n    const reason =\n      input.reason === undefined\n        ? undefined\n        : normalizeNonEmptyString(input.reason, 'Stripe void reason');\n\n    const intent = await this.stripeRequest<Record<string, unknown>>(\n      `/payment_intents/${encodeURIComponent(providerPaymentId)}/cancel`,\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        body: formEncode(Object.fromEntries([['cancellation_reason', reason]])),\n      },\n    );\n\n    return {\n      backendId: this.capabilities.id,\n      status: mapStripeVoidStatus(readString(intent, 'status')),\n      providerPaymentId:\n        normalizeOptionalProviderString(readProviderString(intent, 'id')) ??\n        providerPaymentId,\n      amount: readSafeInteger(intent, 'amount'),\n      currency: readStripeResultCurrency(intent),\n      raw: intent,\n    };\n  }\n\n  async createSetupSession(\n    input: CreateSetupSessionInput,\n  ): Promise<SetupSession> {\n    const rawSuccessUrl = input.successUrl ?? this.options.successUrl;\n    const rawCancelUrl = input.cancelUrl ?? this.options.cancelUrl;\n\n    if (rawSuccessUrl === undefined || rawCancelUrl === undefined) {\n      throw new PaymentConfigurationError(\n        'StripeAdapter createSetupSession requires successUrl and cancelUrl.',\n      );\n    }\n\n    const successUrl = normalizeUrlString(rawSuccessUrl, 'Stripe successUrl');\n    const cancelUrl = normalizeUrlString(rawCancelUrl, 'Stripe cancelUrl');\n    // Currency for the setup-mode session (defaults to the backend currency).\n    // Redundant now that payment_method_types is always set, but harmless and\n    // kept so the session is well-formed if that restriction is ever relaxed.\n    const currency = normalizeStripeCurrency(\n      input.currency ?? this.defaultCurrency,\n    );\n    this.assertSupportedCurrency(currency);\n    const providerCustomerId =\n      input.providerCustomerId === undefined\n        ? undefined\n        : normalizeNonEmptyString(\n            input.providerCustomerId,\n            'Stripe setup customer',\n          );\n\n    // Either attach to an existing customer, or force Stripe to create one so\n    // the saved method comes back with a reusable `cus_` reference. Setup-mode\n    // sessions do NOT create a customer on their own — `customer_creation` must\n    // be `always`. All snake_case keys go through Object.fromEntries.\n    const customerParams: [string, unknown][] = [];\n    if (providerCustomerId !== undefined) {\n      customerParams.push(['customer', providerCustomerId]);\n    } else {\n      customerParams.push(['customer_creation', 'always']);\n      if (input.customerEmail !== undefined) {\n        customerParams.push([\n          'customer_email',\n          normalizeNonEmptyString(\n            input.customerEmail,\n            'Stripe setup customerEmail',\n          ),\n        ]);\n      }\n    }\n\n    const params: Record<string, unknown> = {\n      mode: 'setup',\n      currency,\n      // Restrict to cards: SavedPaymentMethod exposes card display fields\n      // (brand/last4/expiry), so allowing SEPA/Bacs/etc. would yield saved\n      // methods with no usable display detail.\n      'payment_method_types[]': 'card',\n      ...Object.fromEntries([\n        ['success_url', successUrl],\n        ['cancel_url', cancelUrl],\n        ...customerParams,\n      ]),\n      ...flattenStripeMetadata(input.metadata),\n    };\n\n    const session = await this.stripeRequest<Record<string, unknown>>(\n      '/checkout/sessions',\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        body: formEncode(params),\n      },\n    );\n\n    const sessionId = normalizeOptionalProviderString(\n      readProviderString(session, 'id'),\n    );\n    const url = normalizeOptionalProviderString(\n      readProviderString(session, 'url'),\n    );\n\n    if (!sessionId || !url) {\n      throw new PaymentProviderError(\n        'Stripe setup Checkout Session response did not include id and url.',\n      );\n    }\n\n    return {\n      backendId: this.capabilities.id,\n      sessionId,\n      url,\n      providerCustomerId:\n        providerCustomerId ??\n        normalizeOptionalProviderString(\n          readProviderString(session, 'customer'),\n        ),\n      raw: session,\n    };\n  }\n\n  async getSetupResult(\n    input: GetSetupResultInput,\n  ): Promise<SavedPaymentMethod> {\n    const sessionId = normalizeNonEmptyString(\n      input.sessionId,\n      'Stripe setup sessionId',\n    );\n\n    const query = new URLSearchParams();\n    query.append('expand[]', 'setup_intent.payment_method');\n\n    const session = await this.stripeRequest<Record<string, unknown>>(\n      `/checkout/sessions/${encodeURIComponent(sessionId)}?${query.toString()}`,\n    );\n\n    const setupIntent = readObject(session, 'setup_intent');\n    const paymentMethod = readObject(setupIntent, 'payment_method');\n    const card = readObject(paymentMethod, 'card');\n\n    // `customer` is a bare `cus_` string on the request path (only\n    // setup_intent.payment_method is expanded), but read tolerantly of an\n    // expanded object so a future `expand[]=customer` can't wrongly downgrade a\n    // completed setup to a permanent `pending`.\n    const providerCustomerId = normalizeOptionalProviderString(\n      readProviderString(session, 'customer') ??\n        readProviderString(readObject(session, 'customer'), 'id'),\n    );\n    const providerPaymentMethodId = normalizeOptionalProviderString(\n      readProviderString(paymentMethod, 'id'),\n    );\n\n    let status = mapStripeSetupStatus(\n      readString(session, 'status'),\n      readString(setupIntent, 'status'),\n    );\n    // Never report `complete` without the reusable references a caller needs to\n    // charge the method later — a `pm_` with no `cus_` can't be charged\n    // off-session, so treat that as not-yet-ready rather than a false success.\n    if (\n      status === 'complete' &&\n      (!providerCustomerId || !providerPaymentMethodId)\n    ) {\n      status = 'pending';\n    }\n\n    return {\n      backendId: this.capabilities.id,\n      status,\n      providerCustomerId,\n      providerPaymentMethodId,\n      type: readString(paymentMethod, 'type'),\n      brand: readString(card, 'brand'),\n      last4: readString(card, 'last4'),\n      expMonth: readSafeInteger(card, 'exp_month'),\n      expYear: readSafeInteger(card, 'exp_year'),\n      raw: session,\n    };\n  }\n\n  parseWebhookEvent(payload: string, signature?: string): StripeWebhookEvent {\n    if (!this.webhookSecret) {\n      throw new PaymentConfigurationError(\n        'StripeAdapter parseWebhookEvent requires webhookSecret.',\n      );\n    }\n\n    if (!signature) {\n      throw new PaymentProviderError('Missing Stripe webhook signature.');\n    }\n\n    verifyStripeWebhookSignature(payload, signature, this.webhookSecret);\n\n    const event = parseStripeWebhookPayload(payload);\n    const id = readRequiredWebhookString(\n      event,\n      'id',\n      'Stripe webhook event id',\n    );\n    const type = readRequiredWebhookString(\n      event,\n      'type',\n      'Stripe webhook event type',\n    );\n\n    const duplicate = this.seenWebhookEventIds.has(id);\n\n    if (!duplicate) {\n      this.seenWebhookEventIds.add(id);\n      while (this.seenWebhookEventIds.size > this.maxStoredWebhookEventIds) {\n        const oldest = this.seenWebhookEventIds.values().next().value;\n\n        if (oldest === undefined) {\n          break;\n        }\n\n        this.seenWebhookEventIds.delete(oldest);\n      }\n    }\n\n    const data = (\n      event.data as { object?: Record<string, unknown> } | undefined\n    )?.object;\n\n    return {\n      id,\n      type,\n      status: mapStripeWebhookStatus(type, data),\n      quoteId: normalizeOptionalWebhookString(\n        // `client_reference_id` is a Checkout Session-only field; honor it only\n        // for session events so a non-session object (a PaymentIntent / Charge /\n        // Transfer, possibly from a malicious Connect account) can't spoof\n        // correlation to another quote's id. Non-session events correlate only\n        // via our own `metadata.quoteId`.\n        (type.startsWith('checkout.session.')\n          ? readString(data, 'client_reference_id')\n          : undefined) ??\n          readString(\n            (data?.metadata as Record<string, unknown>) ?? {},\n            'quoteId',\n          ),\n      ),\n      providerPaymentId: normalizeOptionalWebhookString(readString(data, 'id')),\n      duplicate,\n      raw: event,\n    };\n  }\n\n  private async stripeRequest<T>(\n    path: string,\n    init: RequestInit & { idempotencyKey?: string } = {},\n  ): Promise<T> {\n    const headers = new Headers(init.headers);\n    headers.set('Authorization', `Bearer ${this.secretKey}`);\n    headers.set('Content-Type', 'application/x-www-form-urlencoded');\n    headers.set('Accept', 'application/json');\n    headers.set('Stripe-Version', this.apiVersion);\n\n    if (init.idempotencyKey !== undefined) {\n      headers.set(\n        'Idempotency-Key',\n        normalizeNonEmptyString(init.idempotencyKey, 'Stripe idempotencyKey'),\n      );\n    }\n\n    const { idempotencyKey: _idempotencyKey, ...requestInit } = init;\n    const response = await this.fetch(`${this.apiBaseUrl}${path}`, {\n      ...requestInit,\n      method: init.method ?? 'GET',\n      headers,\n    });\n\n    return readJsonResponse<T>(response, `Stripe ${path}`);\n  }\n\n  private assertSupportedCurrency(currency: string): void {\n    if (!this.supportedCurrencies.has(currency)) {\n      throw new PaymentConfigurationError(\n        `StripeAdapter currency ${currency.toUpperCase()} is not configured as supported.`,\n      );\n    }\n  }\n\n  private async resolveStripeRefundReferenceParam(\n    paymentReference: string,\n  ): Promise<Record<string, string>> {\n    if (paymentReference.startsWith('cs_')) {\n      const session = await this.stripeRequest<Record<string, unknown>>(\n        `/checkout/sessions/${encodeURIComponent(paymentReference)}`,\n      );\n      const paymentIntent = normalizeOptionalProviderString(\n        readProviderString(session, 'payment_intent'),\n      );\n\n      if (!paymentIntent) {\n        throw new PaymentProviderError(\n          'Stripe Checkout Session did not include payment_intent for refund.',\n        );\n      }\n\n      return Object.fromEntries([['payment_intent', paymentIntent]]);\n    }\n\n    return stripeRefundReferenceParam(paymentReference);\n  }\n}\n\nfunction stripeRefundReferenceParam(\n  paymentReference: string,\n): Record<string, string> {\n  if (paymentReference.startsWith('pi_')) {\n    return Object.fromEntries([['payment_intent', paymentReference]]);\n  }\n\n  if (paymentReference.startsWith('ch_')) {\n    return { charge: paymentReference };\n  }\n\n  throw new PaymentConfigurationError(\n    'Stripe refunds require a Checkout Session (cs_), payment_intent (pi_), or charge (ch_) reference.',\n  );\n}\n\nfunction normalizeStripeCurrency(value: string): string {\n  if (typeof value !== 'string') {\n    throw new PaymentConfigurationError(\n      `StripeAdapter currency must be a three-letter ISO currency code, received ${String(value)}.`,\n    );\n  }\n\n  const normalized = value.trim().toLowerCase();\n\n  if (!/^[a-z]{3}$/.test(normalized)) {\n    throw new PaymentConfigurationError(\n      `StripeAdapter currency must be a three-letter ISO currency code, received ${String(value)}.`,\n    );\n  }\n\n  return normalized;\n}\n\nfunction normalizeSupportedStripeCurrencies(\n  configuredCurrencies: string[] | undefined,\n  defaultCurrency: string,\n): Set<string> {\n  const normalized = new Set(\n    (configuredCurrencies ?? ['usd', 'eur', 'gbp', 'cad']).map(\n      normalizeStripeCurrency,\n    ),\n  );\n  normalized.add(defaultCurrency);\n\n  return normalized;\n}\n\nfunction normalizeStripeCheckoutExpiresAt(\n  expiresAt: Date,\n  now = Date.now(),\n): Date {\n  if (expiresAt.getTime() <= now) {\n    throw new PaymentProviderError('Stripe Checkout expiry is in the past.');\n  }\n\n  const min = now + STRIPE_CHECKOUT_MIN_EXPIRY_MS;\n  const max = now + STRIPE_CHECKOUT_MAX_EXPIRY_MS;\n\n  if (expiresAt.getTime() < min || expiresAt.getTime() > max) {\n    throw new PaymentConfigurationError(\n      'Stripe Checkout expiry must be at least 30 minutes and no more than 24 hours from now.',\n    );\n  }\n\n  return expiresAt;\n}\n\nexport function verifyStripeWebhookSignature(\n  payload: string,\n  signatureHeader: string,\n  secret: string,\n  toleranceSeconds = 300,\n): void {\n  if (typeof payload !== 'string') {\n    throw new PaymentProviderError('Stripe webhook payload must be a string.');\n  }\n\n  const normalizedSignatureHeader = normalizeNonEmptyString(\n    signatureHeader,\n    'Stripe signature header',\n  );\n  const normalizedSecret = normalizeNonEmptyString(\n    secret,\n    'Stripe webhook secret',\n  );\n\n  if (!Number.isFinite(toleranceSeconds) || toleranceSeconds < 0) {\n    throw new PaymentConfigurationError(\n      `Stripe webhook toleranceSeconds must be a non-negative finite number, received ${String(toleranceSeconds)}.`,\n    );\n  }\n\n  const timestampCandidates: string[] = [];\n  const signatures: string[] = [];\n\n  for (const part of normalizedSignatureHeader.split(',')) {\n    const [rawKey, ...rawValue] = part.split('=');\n    const key = rawKey?.trim();\n    const value = rawValue.join('=').trim();\n\n    if (!key || !value) {\n      continue;\n    }\n\n    if (key === 't') {\n      timestampCandidates.push(value);\n    }\n\n    if (key === 'v1') {\n      signatures.push(value);\n    }\n  }\n\n  if (timestampCandidates.length !== 1 || signatures.length === 0) {\n    throw new PaymentProviderError('Invalid Stripe signature header.');\n  }\n\n  const timestamp = timestampCandidates[0] ?? '';\n\n  if (!/^\\d+$/.test(timestamp)) {\n    throw new PaymentProviderError('Invalid Stripe signature header.');\n  }\n\n  const timestampSeconds = Number(timestamp);\n\n  if (!Number.isSafeInteger(timestampSeconds)) {\n    throw new PaymentProviderError('Invalid Stripe signature header.');\n  }\n\n  const nowSeconds = Date.now() / 1_000;\n  const ageSeconds = nowSeconds - timestampSeconds;\n\n  if (ageSeconds < -5) {\n    throw new PaymentProviderError(\n      'Stripe webhook signature timestamp is in the future.',\n    );\n  }\n\n  if (ageSeconds > toleranceSeconds) {\n    throw new PaymentProviderError('Stripe webhook signature is too old.');\n  }\n\n  const expected = createHmac('sha256', normalizedSecret)\n    .update(`${timestamp}.${payload}`)\n    .digest('hex');\n  const expectedBuffer = Buffer.from(expected, 'hex');\n\n  for (const signature of signatures) {\n    if (!/^[0-9a-f]+$/i.test(signature)) {\n      throw new PaymentProviderError('Invalid Stripe signature header.');\n    }\n\n    const actualBuffer = Buffer.from(signature, 'hex');\n\n    if (\n      expectedBuffer.length === actualBuffer.length &&\n      timingSafeEqual(expectedBuffer, actualBuffer)\n    ) {\n      return;\n    }\n  }\n\n  throw new PaymentProviderError('Invalid Stripe webhook signature.');\n}\n\nfunction parseStripeWebhookPayload(payload: string): Record<string, unknown> {\n  try {\n    const event = JSON.parse(payload);\n\n    if (!event || typeof event !== 'object' || Array.isArray(event)) {\n      throw new PaymentProviderError('Invalid Stripe webhook JSON payload.');\n    }\n\n    return event as Record<string, unknown>;\n  } catch (error) {\n    if (error instanceof PaymentProviderError) {\n      throw error;\n    }\n\n    throw new PaymentProviderError('Invalid Stripe webhook JSON payload.', {\n      cause: error,\n    });\n  }\n}\n\nfunction normalizeOptionalWebhookString(\n  value: string | undefined,\n): string | undefined {\n  const normalized = value?.trim();\n\n  return normalized ? normalized : undefined;\n}\n\nfunction normalizeOptionalProviderString(\n  value: string | undefined,\n): string | undefined {\n  const normalized = value?.trim();\n\n  return normalized ? normalized : undefined;\n}\n\nfunction readProviderString(\n  value: Record<string, unknown> | undefined,\n  key: string,\n): string | undefined {\n  if (!value) {\n    return undefined;\n  }\n\n  const item = value[key];\n\n  return typeof item === 'string' ? item : undefined;\n}\n\nfunction readRequiredWebhookString(\n  value: Record<string, unknown>,\n  key: string,\n  context: string,\n): string {\n  const item = value[key];\n\n  if (typeof item !== 'string') {\n    throw new PaymentProviderError(`${context} must be a string.`);\n  }\n\n  return normalizeNonEmptyString(item, context);\n}\n\nfunction readStripeSessionQuoteId(\n  session: Record<string, unknown>,\n): string | undefined {\n  return normalizeOptionalWebhookString(\n    readString(session, 'client_reference_id') ??\n      readString(\n        (session.metadata as Record<string, unknown>) ?? {},\n        'quoteId',\n      ),\n  );\n}\n\nfunction mapStripeStatus(\n  checkoutStatus: string | undefined,\n  paymentStatus: string | undefined,\n): PaymentStatus {\n  if (paymentStatus === 'paid' || paymentStatus === 'no_payment_required') {\n    return 'confirmed';\n  }\n\n  if (checkoutStatus === 'expired') {\n    return 'expired';\n  }\n\n  if (paymentStatus === 'unpaid' || checkoutStatus === 'open') {\n    return 'pending';\n  }\n\n  if (checkoutStatus === 'complete') {\n    return 'processing';\n  }\n\n  return 'pending';\n}\n\nfunction mapStripeWebhookStatus(\n  type: string | undefined,\n  object: Record<string, unknown> | undefined,\n): PaymentStatus {\n  if (type === 'checkout.session.completed') {\n    return mapStripeStatus(\n      readString(object, 'status'),\n      readString(object, 'payment_status'),\n    );\n  }\n\n  if (type === 'checkout.session.async_payment_succeeded') {\n    return 'confirmed';\n  }\n\n  if (type === 'checkout.session.async_payment_failed') {\n    return 'failed';\n  }\n\n  if (type === 'checkout.session.expired') {\n    return 'expired';\n  }\n\n  // Manual-capture PaymentIntent lifecycle (authorize → capture / void). Only\n  // treat these as terminal for intents WE created and can correlate — i.e.\n  // ones carrying our `quoteId` in metadata. Checkout Sessions create their own\n  // PaymentIntents (which fire these same events with no quoteId on the intent);\n  // those are handled via the `checkout.session.*` events above, so here they\n  // stay non-terminal (`processing`) rather than emitting a spurious,\n  // uncorrelatable terminal event. Handled before the generic `failed` catch\n  // below so an un-owned `payment_intent.payment_failed` isn't reclassified.\n  if (\n    type === 'payment_intent.succeeded' ||\n    type === 'payment_intent.canceled' ||\n    type === 'payment_intent.payment_failed'\n  ) {\n    const metadata = (object?.metadata as Record<string, unknown>) ?? {};\n    // Match parseWebhookEvent's normalization so an empty/blank quoteId is\n    // treated as un-owned by both — gate and reporter must agree on ownership.\n    const owned =\n      normalizeOptionalWebhookString(readString(metadata, 'quoteId')) !==\n      undefined;\n    if (owned) {\n      if (type === 'payment_intent.succeeded') {\n        return 'confirmed';\n      }\n      // A manual-capture hold Stripe released automatically (it lapsed) is\n      // `expired`, distinct from a deliberate void or hard decline (`failed`);\n      // the shared PaymentStatus union has no `canceled`.\n      if (\n        type === 'payment_intent.canceled' &&\n        readString(object, 'cancellation_reason') === 'automatic'\n      ) {\n        return 'expired';\n      }\n      return 'failed';\n    }\n    return 'processing';\n  }\n\n  // Terminal failure/refund only for payment-in objects (Checkout Session,\n  // PaymentIntent, Charge). Money-out / unrelated events (transfer.failed,\n  // payout.failed, refund.failed, application_fee.refunded, …) also match a\n  // naive substring scan — and a failed Transfer even carries our quoteId\n  // (sendPayout stamps it), which would miscorrelate a payout failure as a\n  // payment failure — so they must not surface as a terminal payment status.\n  const isPaymentInEvent =\n    type?.startsWith('checkout.session.') === true ||\n    type?.startsWith('payment_intent.') === true ||\n    type?.startsWith('charge.') === true;\n\n  if (isPaymentInEvent && type?.includes('refunded')) {\n    return 'refunded';\n  }\n\n  if (isPaymentInEvent && type?.includes('failed')) {\n    return 'failed';\n  }\n\n  return 'processing';\n}\n\nfunction mapStripeRefundStatus(\n  status: string | undefined,\n): RefundResult['status'] {\n  switch (status) {\n    case 'succeeded':\n      return 'succeeded';\n    case 'failed':\n    case 'canceled':\n      return 'failed';\n    case 'requires_action':\n      return 'requires_action';\n    default:\n      return 'submitted';\n  }\n}\n\nfunction mapStripeAuthorizationStatus(\n  status: string | undefined,\n): AuthorizationResult['status'] {\n  switch (status) {\n    case 'requires_capture':\n      return 'requires_capture';\n    case 'succeeded':\n      return 'succeeded';\n    case 'requires_action':\n      return 'requires_action';\n    case 'processing':\n      return 'processing';\n    default:\n      return 'failed';\n  }\n}\n\nfunction mapStripeCaptureStatus(\n  status: string | undefined,\n): CaptureResult['status'] {\n  switch (status) {\n    case 'succeeded':\n      return 'succeeded';\n    // Capturing an authorized intent shouldn't re-enter authentication; treat\n    // any in-flight/action state as still processing rather than a failure.\n    case 'processing':\n    case 'requires_action':\n      return 'processing';\n    default:\n      return 'failed';\n  }\n}\n\nfunction mapStripeVoidStatus(status: string | undefined): VoidResult['status'] {\n  return status === 'canceled' ? 'canceled' : 'failed';\n}\n\nfunction readStripeResultCurrency(\n  value: Record<string, unknown>,\n): string | undefined {\n  const currency = readString(value, 'currency');\n\n  return currency === undefined ? undefined : currency.toUpperCase();\n}\n\nfunction mapStripeSetupStatus(\n  sessionStatus: string | undefined,\n  setupIntentStatus: string | undefined,\n): SavedPaymentMethod['status'] {\n  if (sessionStatus === 'expired') {\n    return 'expired';\n  }\n\n  if (sessionStatus === 'complete') {\n    // The method is reusable only once the SetupIntent itself has succeeded —\n    // the Session can be `complete` while the intent is still `processing`\n    // (async setup methods via dynamic payment methods).\n    if (setupIntentStatus === 'succeeded') {\n      return 'complete';\n    }\n    // A finished session whose SetupIntent didn't succeed is a terminal\n    // failure (card declined → `requires_payment_method`, or `canceled`), so\n    // callers can stop polling instead of waiting on a `pending` that will\n    // never resolve. Still-in-flight states (`processing`, `requires_action`)\n    // remain `pending`.\n    if (\n      setupIntentStatus === 'canceled' ||\n      setupIntentStatus === 'requires_payment_method'\n    ) {\n      return 'failed';\n    }\n  }\n\n  return 'pending';\n}\n\nfunction readObject(\n  value: Record<string, unknown> | undefined,\n  key: string,\n): Record<string, unknown> | undefined {\n  const item = value?.[key];\n\n  return item && typeof item === 'object' && !Array.isArray(item)\n    ? 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+{"version":3,"file":"stripe.js","names":[],"sources":["../../src/adapters/stripe.ts"],"sourcesContent":["import { createHmac, timingSafeEqual } from 'node:crypto';\nimport {\n  PaymentConfigurationError,\n  PaymentProviderError,\n  PaymentVerificationError,\n} from '../errors.js';\nimport {\n  applyExpiryToPendingStatus,\n  type FetchLike,\n  formEncode,\n  getFetch,\n  normalizeDate,\n  normalizeMaxStoredPaymentOptions,\n  normalizeMinorUnitAmount,\n  normalizeNonEmptyString,\n  normalizePositiveMinorUnitAmount,\n  normalizePositivePaymentAmount,\n  normalizeUrlString,\n  pollPaymentStatus,\n  readJsonResponse,\n  rememberPaymentOption,\n} from '../shared.js';\nimport type {\n  AuthorizationResult,\n  AuthorizePaymentInput,\n  CapturePaymentInput,\n  CaptureResult,\n  CreatePaymentOptionInput,\n  CreateSetupSessionInput,\n  GetSetupResultInput,\n  PaymentBackend,\n  PaymentBackendCapabilities,\n  PaymentEvent,\n  PaymentOption,\n  PaymentStatus,\n  PaymentStatusContext,\n  PaymentStatusResult,\n  PaymentWebhookEvent,\n  PayoutResult,\n  RefundPaymentInput,\n  RefundResult,\n  SavedPaymentMethod,\n  SendPayoutInput,\n  SetupSession,\n  VoidPaymentInput,\n  VoidResult,\n  WatchPaymentInput,\n} from '../types.js';\n\nexport const STRIPE_BACKEND_ID = 'stripe';\nconst STRIPE_CHECKOUT_MIN_EXPIRY_MS = 30 * 60 * 1_000;\nconst STRIPE_CHECKOUT_MAX_EXPIRY_MS = 24 * 60 * 60 * 1_000;\nconst DEFAULT_STRIPE_API_VERSION = '2024-06-20';\nconst DEFAULT_MAX_STORED_WEBHOOK_EVENT_IDS = 50_000;\n\nexport interface StripeAdapterOptions {\n  secretKey: string;\n  fetch?: FetchLike;\n  apiBaseUrl?: string;\n  apiVersion?: string;\n  defaultCurrency?: string;\n  supportedCurrencies?: string[];\n  successUrl?: string;\n  cancelUrl?: string;\n  checkoutMode?: string;\n  webhookSecret?: string;\n  pollIntervalMs?: number;\n  maxStoredPaymentOptions?: number;\n  maxStoredWebhookEventIds?: number;\n  /** Default Stripe Connect account for this adapter's provider requests. */\n  stripeAccount?: string;\n}\n\n/** Stripe Connect account scope for a request; omit it for the platform. */\nexport interface StripeAccountScope {\n  stripeAccount?: string;\n}\n\nexport interface StripeCreatePaymentOptionInput\n  extends CreatePaymentOptionInput,\n    StripeAccountScope {\n  /** Stripe application fee in integer minor units for this direct charge. */\n  applicationFeeAmount?: number;\n}\n\nexport interface StripePaymentStatusContext\n  extends PaymentStatusContext,\n    StripeAccountScope {}\n\nexport interface StripeRefundPaymentInput\n  extends RefundPaymentInput,\n    StripeAccountScope {\n  /** Refund a Stripe application fee collected with the charge. */\n  refundApplicationFee?: boolean;\n  /** Reverse a destination transfer when the provider supports one. */\n  reverseTransfer?: boolean;\n}\n\nexport interface StripeAuthorizePaymentInput\n  extends AuthorizePaymentInput,\n    StripeAccountScope {\n  /** Stripe application fee in integer minor units for this PaymentIntent. */\n  applicationFeeAmount?: number;\n}\n\nexport interface StripeCapturePaymentInput\n  extends CapturePaymentInput,\n    StripeAccountScope {}\n\nexport interface StripeVoidPaymentInput\n  extends VoidPaymentInput,\n    StripeAccountScope {}\n\nexport interface StripeCreateSetupSessionInput\n  extends CreateSetupSessionInput,\n    StripeAccountScope {}\n\nexport interface StripeGetSetupResultInput\n  extends GetSetupResultInput,\n    StripeAccountScope {}\n\nexport interface StripeWatchPaymentInput\n  extends Omit<WatchPaymentInput, 'statusContext'> {\n  statusContext?: StripePaymentStatusContext;\n}\n\nexport interface StripeWebhookEvent extends PaymentWebhookEvent {\n  id: string;\n  type: string;\n  status: PaymentStatus;\n  quoteId?: string;\n  providerPaymentId?: string;\n  raw: unknown;\n}\n\nexport class StripeAdapter implements PaymentBackend {\n  readonly capabilities: PaymentBackendCapabilities;\n\n  private readonly fetch: FetchLike;\n  private readonly secretKey: string;\n  private readonly apiBaseUrl: string;\n  private readonly apiVersion: string;\n  private readonly defaultCurrency: string;\n  private readonly supportedCurrencies: Set<string>;\n  private readonly checkoutMode: string;\n  private readonly webhookSecret: string | undefined;\n  private readonly stripeAccount: string | undefined;\n  private readonly maxStoredPaymentOptions: number;\n  private readonly maxStoredWebhookEventIds: number;\n  private readonly optionsByQuote = new Map<string, PaymentOption>();\n  private readonly seenWebhookEventIds = new Set<string>();\n\n  constructor(private readonly options: StripeAdapterOptions) {\n    if (typeof options.secretKey !== 'string' || !options.secretKey.trim()) {\n      throw new PaymentConfigurationError('StripeAdapter requires secretKey.');\n    }\n\n    if (options.webhookSecret !== undefined) {\n      if (typeof options.webhookSecret !== 'string') {\n        throw new PaymentConfigurationError(\n          'StripeAdapter webhookSecret must be a string when configured.',\n        );\n      }\n\n      if (!options.webhookSecret.trim()) {\n        throw new PaymentConfigurationError(\n          'StripeAdapter webhookSecret must not be empty when configured.',\n        );\n      }\n    }\n\n    if (options.apiBaseUrl !== undefined) {\n      if (typeof options.apiBaseUrl !== 'string') {\n        throw new PaymentConfigurationError(\n          'StripeAdapter apiBaseUrl must be a string when configured.',\n        );\n      }\n\n      if (!options.apiBaseUrl.trim()) {\n        throw new PaymentConfigurationError(\n          'StripeAdapter apiBaseUrl must not be empty when configured.',\n        );\n      }\n    }\n\n    this.fetch = getFetch(options.fetch);\n    this.maxStoredPaymentOptions = normalizeMaxStoredPaymentOptions(\n      options.maxStoredPaymentOptions,\n      'StripeAdapter maxStoredPaymentOptions',\n    );\n    this.maxStoredWebhookEventIds = normalizeMaxStoredPaymentOptions(\n      options.maxStoredWebhookEventIds ?? DEFAULT_MAX_STORED_WEBHOOK_EVENT_IDS,\n      'StripeAdapter maxStoredWebhookEventIds',\n    );\n    this.secretKey = options.secretKey.trim();\n    this.apiBaseUrl = normalizeUrlString(\n      options.apiBaseUrl ?? 'https://api.stripe.com/v1',\n      'StripeAdapter apiBaseUrl',\n    ).replace(/\\/$/, '');\n    this.apiVersion = normalizeNonEmptyString(\n      options.apiVersion ?? DEFAULT_STRIPE_API_VERSION,\n      'StripeAdapter apiVersion',\n    );\n    this.defaultCurrency = normalizeStripeCurrency(\n      options.defaultCurrency ?? 'usd',\n    );\n    this.supportedCurrencies = normalizeSupportedStripeCurrencies(\n      options.supportedCurrencies,\n      this.defaultCurrency,\n    );\n    this.checkoutMode = options.checkoutMode ?? 'payment';\n\n    if (this.checkoutMode !== 'payment') {\n      throw new PaymentConfigurationError(\n        'StripeAdapter only supports payment Checkout mode.',\n      );\n    }\n\n    this.webhookSecret = options.webhookSecret?.trim();\n    this.stripeAccount = normalizeOptionalStripeAccount(\n      options.stripeAccount,\n      'StripeAdapter stripeAccount',\n    );\n    this.capabilities = {\n      id: STRIPE_BACKEND_ID,\n      displayName: 'Stripe Checkout',\n      settlementCurrency: this.defaultCurrency.toUpperCase(),\n      supportedSettlementCurrencies: [...this.supportedCurrencies].map(\n        (currency) => currency.toUpperCase(),\n      ),\n      chain: 'stripe',\n      settlementShape: 'url',\n      x402Capable: false,\n      confirmationLatency: {\n        expectedSeconds: 5,\n        maxExpectedSeconds: 600,\n        description:\n          'Card payments usually confirm in seconds; bank debits can remain processing while Stripe settles them.',\n      },\n      supportsRefunds: true,\n      supportsPayouts: true,\n      supportsWebhooks: true,\n      supportsManualCapture: true,\n      supportsSavedPaymentMethods: true,\n      metadata: {\n        provider: 'stripe',\n      },\n    };\n  }\n\n  async createPaymentOption(\n    input: StripeCreatePaymentOptionInput,\n  ): Promise<PaymentOption> {\n    const quoteId = normalizeNonEmptyString(input.quoteId, 'Stripe quoteId');\n    const rawSuccessUrl = input.successUrl ?? this.options.successUrl;\n    const rawCancelUrl = input.cancelUrl ?? this.options.cancelUrl;\n\n    if (rawSuccessUrl === undefined || rawCancelUrl === undefined) {\n      throw new PaymentConfigurationError(\n        'StripeAdapter createPaymentOption requires successUrl and cancelUrl.',\n      );\n    }\n\n    const successUrl = normalizeUrlString(rawSuccessUrl, 'Stripe successUrl');\n    const cancelUrl = normalizeUrlString(rawCancelUrl, 'Stripe cancelUrl');\n    const currency = normalizeStripeCurrency(input.currency);\n    this.assertSupportedCurrency(currency);\n    const amount = normalizePositivePaymentAmount(\n      input.amount,\n      currency,\n      'Stripe Checkout amount',\n    );\n    const applicationFeeAmount = normalizeApplicationFeeAmount(\n      input.applicationFeeAmount,\n      amount,\n      'Stripe Checkout applicationFeeAmount',\n    );\n    const expiresAt = normalizeDate(input.expiresAt);\n    const stripeExpiresAt = normalizeStripeCheckoutExpiresAt(expiresAt);\n    const params: Record<string, unknown> = {\n      mode: this.checkoutMode,\n      ...Object.fromEntries([\n        ['success_url', successUrl],\n        ['cancel_url', cancelUrl],\n        ['client_reference_id', quoteId],\n        ['customer_email', input.buyerEmail],\n        ['expires_at', Math.floor(stripeExpiresAt.getTime() / 1_000)],\n      ]),\n      'line_items[0][quantity]': 1,\n      'line_items[0][price_data][currency]': currency,\n      'line_items[0][price_data][unit_amount]': amount,\n      'line_items[0][price_data][product_data][name]':\n        input.description ?? `Quote ${quoteId}`,\n      ...(applicationFeeAmount === undefined\n        ? {}\n        : {\n            'payment_intent_data[application_fee_amount]': applicationFeeAmount,\n          }),\n      ...flattenStripeMetadata(input.metadata),\n      'metadata[quoteId]': quoteId,\n    };\n\n    const stripeAccount = this.resolveStripeAccount(input.stripeAccount);\n    const session = await this.stripeRequest<Record<string, unknown>>(\n      '/checkout/sessions',\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        stripeAccount,\n        body: formEncode(params),\n      },\n    );\n    const sessionId = normalizeOptionalProviderString(\n      readProviderString(session, 'id'),\n    );\n    const checkoutUrl = normalizeOptionalProviderString(\n      readProviderString(session, 'url'),\n    );\n\n    if (!sessionId || !checkoutUrl) {\n      throw new PaymentProviderError(\n        'Stripe Checkout Session response did not include id and url.',\n      );\n    }\n\n    const option: PaymentOption = {\n      backendId: this.capabilities.id,\n      quoteId,\n      payTo: checkoutUrl,\n      settlementShape: 'url',\n      settlementCurrency: currency.toUpperCase(),\n      settlementAmount: amount,\n      amount,\n      currency: currency.toUpperCase(),\n      expiresAt: stripeExpiresAt,\n      providerPaymentId: sessionId,\n      paymentUri: checkoutUrl,\n      metadata: {\n        sessionId,\n        stripeAccount,\n        paymentIntent: normalizeOptionalProviderString(\n          readProviderString(session, 'payment_intent'),\n        ),\n      },\n    };\n\n    rememberPaymentOption(\n      this.optionsByQuote,\n      stripePaymentOptionKey(quoteId, stripeAccount),\n      option,\n      this.maxStoredPaymentOptions,\n    );\n\n    return option;\n  }\n\n  watchPayment(input: StripeWatchPaymentInput): AsyncIterable<PaymentEvent> {\n    return pollPaymentStatus(\n      {\n        ...input,\n        pollIntervalMs:\n          input.pollIntervalMs ?? this.options.pollIntervalMs ?? 5_000,\n      },\n      () => this.getStatus(input.quoteId, input.payTo, input.statusContext),\n    );\n  }\n\n  async getStatus(\n    quoteId: string,\n    payTo: string,\n    context: StripePaymentStatusContext = {},\n  ): Promise<PaymentStatusResult> {\n    const normalizedQuoteId = normalizeNonEmptyString(\n      quoteId,\n      'Stripe quoteId',\n    );\n    const normalizedPayTo = normalizeNonEmptyString(payTo, 'Stripe payTo');\n    const contextProviderPaymentId =\n      context.providerPaymentId === undefined\n        ? undefined\n        : normalizeNonEmptyString(\n            context.providerPaymentId,\n            'Stripe providerPaymentId',\n          );\n    const contextStripeAccount = normalizeOptionalStripeAccount(\n      context.stripeAccount,\n      'Stripe stripeAccount',\n    );\n    const scopedOption = this.optionsByQuote.get(\n      stripePaymentOptionKey(\n        normalizedQuoteId,\n        contextStripeAccount ?? this.stripeAccount,\n      ),\n    );\n    const sessionId =\n      contextProviderPaymentId ??\n      extractStripeSessionId(normalizedPayTo) ??\n      scopedOption?.providerPaymentId;\n\n    if (!sessionId) {\n      throw new PaymentConfigurationError(\n        'Stripe getStatus requires a Checkout Session id or URL.',\n      );\n    }\n\n    const storedOption = this.findStoredOptionBySessionId(sessionId);\n    const stripeAccount =\n      contextStripeAccount ??\n      readStripeOptionAccount(storedOption) ??\n      this.stripeAccount;\n    const cachedOption = this.optionsByQuote.get(\n      stripePaymentOptionKey(normalizedQuoteId, stripeAccount),\n    );\n\n    // A caller-supplied session id can deliberately select a later checkout\n    // for the same quote. Cache-derived amount, currency, and expiry describe\n    // only the session we created, never an explicitly selected replacement.\n    const option =\n      cachedOption?.providerPaymentId === sessionId ? cachedOption : undefined;\n\n    const session = await this.stripeRequest<Record<string, unknown>>(\n      `/checkout/sessions/${encodeURIComponent(sessionId)}`,\n      { stripeAccount },\n    );\n    const sessionQuoteId = readStripeSessionQuoteId(session);\n\n    if (sessionQuoteId !== undefined && sessionQuoteId !== normalizedQuoteId) {\n      throw new PaymentVerificationError(\n        `Stripe Checkout Session quoteId ${sessionQuoteId} did not match ${normalizedQuoteId}.`,\n      );\n    }\n\n    const paymentStatus = readString(session, 'payment_status');\n    const status = mapStripeStatus(\n      readString(session, 'status'),\n      paymentStatus,\n    );\n\n    const contextAmount =\n      context.amount === undefined\n        ? undefined\n        : normalizeMinorUnitAmount(context.amount, 'Stripe status');\n    const contextCurrency =\n      context.currency === undefined\n        ? undefined\n        : normalizeStripeCurrency(context.currency).toUpperCase();\n    const sessionCurrency =\n      readString(session, 'currency') === undefined\n        ? undefined\n        : normalizeStripeCurrency(\n            readString(session, 'currency') ?? '',\n          ).toUpperCase();\n    const sessionAmount = readSafeInteger(session, 'amount_total');\n    const expiresAt =\n      option?.expiresAt ??\n      (context.expiresAt === undefined\n        ? undefined\n        : normalizeDate(context.expiresAt));\n    const effectiveStatus = applyExpiryToPendingStatus(status, expiresAt);\n\n    return {\n      backendId: this.capabilities.id,\n      quoteId: normalizedQuoteId,\n      payTo: normalizedPayTo,\n      status: effectiveStatus,\n      settlementCurrency:\n        sessionCurrency ??\n        option?.settlementCurrency ??\n        contextCurrency ??\n        this.defaultCurrency.toUpperCase(),\n      settlementAmount:\n        sessionAmount ?? option?.settlementAmount ?? contextAmount,\n      receivedAmount:\n        paymentStatus === 'paid' || paymentStatus === 'no_payment_required'\n          ? (sessionAmount ?? option?.settlementAmount ?? contextAmount)\n          : undefined,\n      amount: option?.amount ?? contextAmount,\n      currency: option?.currency ?? contextCurrency,\n      providerPaymentId: sessionId,\n      transactionId: normalizeOptionalProviderString(\n        readProviderString(session, 'payment_intent'),\n      ),\n      updatedAt: new Date(),\n      raw: session,\n    };\n  }\n\n  async sendPayout(input: SendPayoutInput): Promise<PayoutResult> {\n    const currency = normalizeStripeCurrency(\n      input.currency ?? this.defaultCurrency,\n    );\n    this.assertSupportedCurrency(currency);\n    const destination = normalizeNonEmptyString(\n      input.destination,\n      'Stripe payout destination',\n    );\n    const quoteId =\n      input.quoteId === undefined\n        ? undefined\n        : normalizeNonEmptyString(input.quoteId, 'Stripe payout quoteId');\n    const amount = normalizePositivePaymentAmount(\n      input.amount,\n      currency,\n      'Stripe payout amount',\n    );\n    const transfer = await this.stripeRequest<Record<string, unknown>>(\n      '/transfers',\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        body: formEncode({\n          amount,\n          currency,\n          destination,\n          description: input.memo,\n          ...flattenStripeMetadata(input.metadata),\n          ...(quoteId === undefined ? {} : { 'metadata[quoteId]': quoteId }),\n        }),\n      },\n    );\n\n    return {\n      backendId: this.capabilities.id,\n      status: 'submitted',\n      payoutId: normalizeOptionalProviderString(\n        readProviderString(transfer, 'id'),\n      ),\n      destination,\n      amount,\n      currency: currency.toUpperCase(),\n      raw: transfer,\n    };\n  }\n\n  async refundPayment(input: StripeRefundPaymentInput): Promise<RefundResult> {\n    const rawPaymentReference = input.paymentId ?? input.transactionId;\n\n    if (!rawPaymentReference) {\n      throw new PaymentConfigurationError(\n        'Stripe refunds require paymentId or transactionId.',\n      );\n    }\n\n    const paymentReference = normalizeNonEmptyString(\n      rawPaymentReference,\n      'Stripe refund payment reference',\n    );\n    const currency = normalizeStripeCurrency(\n      input.currency ?? this.defaultCurrency,\n    );\n    this.assertSupportedCurrency(currency);\n    const amount =\n      input.amount === undefined\n        ? undefined\n        : normalizePositivePaymentAmount(\n            input.amount,\n            currency,\n            'Stripe refund amount',\n          );\n    const stripeAccount = this.resolveStripeAccount(input.stripeAccount);\n    const refundReferenceParam = await this.resolveStripeRefundReferenceParam(\n      paymentReference,\n      stripeAccount,\n    );\n    const refundParams: Record<string, unknown> = {\n      ...refundReferenceParam,\n      amount: amount === undefined ? undefined : amount,\n      reason: input.reason,\n      refund_application_fee: input.refundApplicationFee,\n      reverse_transfer: input.reverseTransfer,\n      ...flattenStripeMetadata(input.metadata),\n    };\n\n    const refund = await this.stripeRequest<Record<string, unknown>>(\n      '/refunds',\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        stripeAccount,\n        body: formEncode(refundParams),\n      },\n    );\n\n    return {\n      backendId: this.capabilities.id,\n      status: mapStripeRefundStatus(readString(refund, 'status')),\n      refundId: normalizeOptionalProviderString(\n        readProviderString(refund, 'id'),\n      ),\n      transactionId: paymentReference,\n      // Read the settled amount and currency back from the refund object\n      // (mirrors capturePayment) so a full refund — no `input.amount` supplied,\n      // and possibly a currency differing from the adapter default when\n      // `input.currency` is omitted — surfaces what Stripe actually refunded\n      // instead of the request defaults.\n      amount: readSafeInteger(refund, 'amount') ?? amount,\n      currency: readStripeResultCurrency(refund) ?? currency.toUpperCase(),\n      raw: refund,\n    };\n  }\n\n  async authorizePayment(\n    input: StripeAuthorizePaymentInput,\n  ): Promise<AuthorizationResult> {\n    const currency = normalizeStripeCurrency(input.currency);\n    this.assertSupportedCurrency(currency);\n    const amount = normalizePositivePaymentAmount(\n      input.amount,\n      currency,\n      'Stripe authorize amount',\n    );\n    const paymentMethod = normalizeNonEmptyString(\n      input.providerPaymentMethodId,\n      'Stripe authorize providerPaymentMethodId',\n    );\n    const providerCustomerId =\n      input.providerCustomerId === undefined\n        ? undefined\n        : normalizeNonEmptyString(\n            input.providerCustomerId,\n            'Stripe authorize providerCustomerId',\n          );\n    const quoteId =\n      input.quoteId === undefined\n        ? undefined\n        : normalizeNonEmptyString(input.quoteId, 'Stripe authorize quoteId');\n    const applicationFeeAmount = normalizeApplicationFeeAmount(\n      input.applicationFeeAmount,\n      amount,\n      'Stripe PaymentIntent applicationFeeAmount',\n    );\n\n    const intent = await this.stripeRequest<Record<string, unknown>>(\n      '/payment_intents',\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        stripeAccount: this.resolveStripeAccount(input.stripeAccount),\n        body: formEncode({\n          amount,\n          currency,\n          confirm: true,\n          'payment_method_types[]': 'card',\n          description: input.description,\n          application_fee_amount: applicationFeeAmount,\n          ...Object.fromEntries([\n            ['payment_method', paymentMethod],\n            ['capture_method', 'manual'],\n            // Off-session (merchant-initiated) by default — the primary use is\n            // charging a saved card while the buyer is absent. Without this,\n            // Stripe treats it as on-session and may raise an SCA challenge the\n            // absent buyer can't complete, so the hold is never placed.\n            ['off_session', input.offSession ?? true],\n          ]),\n          ...(providerCustomerId === undefined\n            ? {}\n            : { customer: providerCustomerId }),\n          ...flattenStripeMetadata(input.metadata),\n          ...(quoteId === undefined ? {} : { 'metadata[quoteId]': quoteId }),\n        }),\n      },\n    );\n\n    const providerPaymentId = normalizeOptionalProviderString(\n      readProviderString(intent, 'id'),\n    );\n\n    if (!providerPaymentId) {\n      throw new PaymentProviderError(\n        'Stripe PaymentIntent response did not include an id.',\n      );\n    }\n\n    const status = mapStripeAuthorizationStatus(readString(intent, 'status'));\n    // Only surface the SCA fields when authentication is actually required — the\n    // documented contract — even though Stripe returns client_secret regardless.\n    // (Authorization progress is observed via `parseWebhookEvent`, which surfaces\n    // the ready-to-capture transition as `processing` — there is no distinct\n    // `requires_capture` webhook status; `getStatus` handles Checkout sessions,\n    // not PaymentIntents.)\n    const actionRequired = status === 'requires_action';\n\n    return {\n      backendId: this.capabilities.id,\n      status,\n      providerPaymentId,\n      amount: readSafeInteger(intent, 'amount') ?? amount,\n      currency: (readString(intent, 'currency') ?? currency).toUpperCase(),\n      clientSecret: actionRequired\n        ? normalizeOptionalProviderString(\n            readProviderString(intent, 'client_secret'),\n          )\n        : undefined,\n      nextAction: actionRequired\n        ? (intent.next_action ?? undefined)\n        : undefined,\n      raw: intent,\n    };\n  }\n\n  async capturePayment(\n    input: StripeCapturePaymentInput,\n  ): Promise<CaptureResult> {\n    const providerPaymentId = normalizeNonEmptyString(\n      input.providerPaymentId,\n      'Stripe capture providerPaymentId',\n    );\n    const amount =\n      input.amount === undefined\n        ? undefined\n        : normalizePositiveMinorUnitAmount(\n            input.amount,\n            'Stripe capture amount',\n          );\n\n    const intent = await this.stripeRequest<Record<string, unknown>>(\n      `/payment_intents/${encodeURIComponent(providerPaymentId)}/capture`,\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        stripeAccount: this.resolveStripeAccount(input.stripeAccount),\n        body: formEncode({\n          ...Object.fromEntries([['amount_to_capture', amount]]),\n          ...flattenStripeMetadata(input.metadata),\n        }),\n      },\n    );\n\n    return {\n      backendId: this.capabilities.id,\n      status: mapStripeCaptureStatus(readString(intent, 'status')),\n      providerPaymentId:\n        normalizeOptionalProviderString(readProviderString(intent, 'id')) ??\n        providerPaymentId,\n      amount:\n        readSafeInteger(intent, 'amount_received') ??\n        readSafeInteger(intent, 'amount') ??\n        amount,\n      currency: readStripeResultCurrency(intent),\n      raw: intent,\n    };\n  }\n\n  async voidPayment(input: StripeVoidPaymentInput): Promise<VoidResult> {\n    const providerPaymentId = normalizeNonEmptyString(\n      input.providerPaymentId,\n      'Stripe void providerPaymentId',\n    );\n    const reason =\n      input.reason === undefined\n        ? undefined\n        : normalizeNonEmptyString(input.reason, 'Stripe void reason');\n\n    const intent = await this.stripeRequest<Record<string, unknown>>(\n      `/payment_intents/${encodeURIComponent(providerPaymentId)}/cancel`,\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        stripeAccount: this.resolveStripeAccount(input.stripeAccount),\n        body: formEncode(Object.fromEntries([['cancellation_reason', reason]])),\n      },\n    );\n\n    return {\n      backendId: this.capabilities.id,\n      status: mapStripeVoidStatus(readString(intent, 'status')),\n      providerPaymentId:\n        normalizeOptionalProviderString(readProviderString(intent, 'id')) ??\n        providerPaymentId,\n      amount: readSafeInteger(intent, 'amount'),\n      currency: readStripeResultCurrency(intent),\n      raw: intent,\n    };\n  }\n\n  async createSetupSession(\n    input: StripeCreateSetupSessionInput,\n  ): Promise<SetupSession> {\n    const rawSuccessUrl = input.successUrl ?? this.options.successUrl;\n    const rawCancelUrl = input.cancelUrl ?? this.options.cancelUrl;\n\n    if (rawSuccessUrl === undefined || rawCancelUrl === undefined) {\n      throw new PaymentConfigurationError(\n        'StripeAdapter createSetupSession requires successUrl and cancelUrl.',\n      );\n    }\n\n    const successUrl = normalizeUrlString(rawSuccessUrl, 'Stripe successUrl');\n    const cancelUrl = normalizeUrlString(rawCancelUrl, 'Stripe cancelUrl');\n    // Currency for the setup-mode session (defaults to the backend currency).\n    // Redundant now that payment_method_types is always set, but harmless and\n    // kept so the session is well-formed if that restriction is ever relaxed.\n    const currency = normalizeStripeCurrency(\n      input.currency ?? this.defaultCurrency,\n    );\n    this.assertSupportedCurrency(currency);\n    const providerCustomerId =\n      input.providerCustomerId === undefined\n        ? undefined\n        : normalizeNonEmptyString(\n            input.providerCustomerId,\n            'Stripe setup customer',\n          );\n\n    // Either attach to an existing customer, or force Stripe to create one so\n    // the saved method comes back with a reusable `cus_` reference. Setup-mode\n    // sessions do NOT create a customer on their own — `customer_creation` must\n    // be `always`. All snake_case keys go through Object.fromEntries.\n    const customerParams: [string, unknown][] = [];\n    if (providerCustomerId !== undefined) {\n      customerParams.push(['customer', providerCustomerId]);\n    } else {\n      customerParams.push(['customer_creation', 'always']);\n      if (input.customerEmail !== undefined) {\n        customerParams.push([\n          'customer_email',\n          normalizeNonEmptyString(\n            input.customerEmail,\n            'Stripe setup customerEmail',\n          ),\n        ]);\n      }\n    }\n\n    const params: Record<string, unknown> = {\n      mode: 'setup',\n      currency,\n      // Restrict to cards: SavedPaymentMethod exposes card display fields\n      // (brand/last4/expiry), so allowing SEPA/Bacs/etc. would yield saved\n      // methods with no usable display detail.\n      'payment_method_types[]': 'card',\n      ...Object.fromEntries([\n        ['success_url', successUrl],\n        ['cancel_url', cancelUrl],\n        ...customerParams,\n      ]),\n      ...flattenStripeMetadata(input.metadata),\n    };\n\n    const session = await this.stripeRequest<Record<string, unknown>>(\n      '/checkout/sessions',\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        stripeAccount: this.resolveStripeAccount(input.stripeAccount),\n        body: formEncode(params),\n      },\n    );\n\n    const sessionId = normalizeOptionalProviderString(\n      readProviderString(session, 'id'),\n    );\n    const url = normalizeOptionalProviderString(\n      readProviderString(session, 'url'),\n    );\n\n    if (!sessionId || !url) {\n      throw new PaymentProviderError(\n        'Stripe setup Checkout Session response did not include id and url.',\n      );\n    }\n\n    return {\n      backendId: this.capabilities.id,\n      sessionId,\n      url,\n      providerCustomerId:\n        providerCustomerId ??\n        normalizeOptionalProviderString(\n          readProviderString(session, 'customer'),\n        ),\n      raw: session,\n    };\n  }\n\n  async getSetupResult(\n    input: StripeGetSetupResultInput,\n  ): Promise<SavedPaymentMethod> {\n    const sessionId = normalizeNonEmptyString(\n      input.sessionId,\n      'Stripe setup sessionId',\n    );\n\n    const query = new URLSearchParams();\n    query.append('expand[]', 'setup_intent.payment_method');\n\n    const session = await this.stripeRequest<Record<string, unknown>>(\n      `/checkout/sessions/${encodeURIComponent(sessionId)}?${query.toString()}`,\n      { stripeAccount: this.resolveStripeAccount(input.stripeAccount) },\n    );\n\n    const setupIntent = readObject(session, 'setup_intent');\n    const paymentMethod = readObject(setupIntent, 'payment_method');\n    const card = readObject(paymentMethod, 'card');\n\n    // `customer` is a bare `cus_` string on the request path (only\n    // setup_intent.payment_method is expanded), but read tolerantly of an\n    // expanded object so a future `expand[]=customer` can't wrongly downgrade a\n    // completed setup to a permanent `pending`.\n    const providerCustomerId = normalizeOptionalProviderString(\n      readProviderString(session, 'customer') ??\n        readProviderString(readObject(session, 'customer'), 'id'),\n    );\n    const providerPaymentMethodId = normalizeOptionalProviderString(\n      readProviderString(paymentMethod, 'id'),\n    );\n\n    let status = mapStripeSetupStatus(\n      readString(session, 'status'),\n      readString(setupIntent, 'status'),\n    );\n    // Never report `complete` without the reusable references a caller needs to\n    // charge the method later — a `pm_` with no `cus_` can't be charged\n    // off-session, so treat that as not-yet-ready rather than a false success.\n    if (\n      status === 'complete' &&\n      (!providerCustomerId || !providerPaymentMethodId)\n    ) {\n      status = 'pending';\n    }\n\n    return {\n      backendId: this.capabilities.id,\n      status,\n      providerCustomerId,\n      providerPaymentMethodId,\n      type: readString(paymentMethod, 'type'),\n      brand: readString(card, 'brand'),\n      last4: readString(card, 'last4'),\n      expMonth: readSafeInteger(card, 'exp_month'),\n      expYear: readSafeInteger(card, 'exp_year'),\n      raw: session,\n    };\n  }\n\n  parseWebhookEvent(payload: string, signature?: string): StripeWebhookEvent {\n    if (!this.webhookSecret) {\n      throw new PaymentConfigurationError(\n        'StripeAdapter parseWebhookEvent requires webhookSecret.',\n      );\n    }\n\n    if (!signature) {\n      throw new PaymentProviderError('Missing Stripe webhook signature.');\n    }\n\n    verifyStripeWebhookSignature(payload, signature, this.webhookSecret);\n\n    const event = parseStripeWebhookPayload(payload);\n    const id = readRequiredWebhookString(\n      event,\n      'id',\n      'Stripe webhook event id',\n    );\n    const type = readRequiredWebhookString(\n      event,\n      'type',\n      'Stripe webhook event type',\n    );\n\n    const duplicate = this.seenWebhookEventIds.has(id);\n\n    if (!duplicate) {\n      this.seenWebhookEventIds.add(id);\n      while (this.seenWebhookEventIds.size > this.maxStoredWebhookEventIds) {\n        const oldest = this.seenWebhookEventIds.values().next().value;\n\n        if (oldest === undefined) {\n          break;\n        }\n\n        this.seenWebhookEventIds.delete(oldest);\n      }\n    }\n\n    const data = (\n      event.data as { object?: Record<string, unknown> } | undefined\n    )?.object;\n\n    return {\n      id,\n      type,\n      status: mapStripeWebhookStatus(type, data),\n      quoteId: normalizeOptionalWebhookString(\n        // `client_reference_id` is a Checkout Session-only field; honor it only\n        // for session events so a non-session object (a PaymentIntent / Charge /\n        // Transfer, possibly from a malicious Connect account) can't spoof\n        // correlation to another quote's id. Non-session events correlate only\n        // via our own `metadata.quoteId`.\n        (type.startsWith('checkout.session.')\n          ? readString(data, 'client_reference_id')\n          : undefined) ??\n          readString(\n            (data?.metadata as Record<string, unknown>) ?? {},\n            'quoteId',\n          ),\n      ),\n      providerPaymentId: normalizeOptionalWebhookString(readString(data, 'id')),\n      duplicate,\n      raw: event,\n    };\n  }\n\n  private async stripeRequest<T>(\n    path: string,\n    init: RequestInit & {\n      idempotencyKey?: string;\n      stripeAccount?: string;\n    } = {},\n  ): Promise<T> {\n    const headers = new Headers(init.headers);\n    headers.set('Authorization', `Bearer ${this.secretKey}`);\n    headers.set('Content-Type', 'application/x-www-form-urlencoded');\n    headers.set('Accept', 'application/json');\n    headers.set('Stripe-Version', this.apiVersion);\n\n    if (init.stripeAccount !== undefined) {\n      headers.set('Stripe-Account', init.stripeAccount);\n    }\n\n    if (init.idempotencyKey !== undefined) {\n      headers.set(\n        'Idempotency-Key',\n        normalizeNonEmptyString(init.idempotencyKey, 'Stripe idempotencyKey'),\n      );\n    }\n\n    const {\n      idempotencyKey: _idempotencyKey,\n      stripeAccount: _stripeAccount,\n      ...requestInit\n    } = init;\n    const response = await this.fetch(`${this.apiBaseUrl}${path}`, {\n      ...requestInit,\n      method: init.method ?? 'GET',\n      headers,\n    });\n\n    return readJsonResponse<T>(response, `Stripe ${path}`);\n  }\n\n  private assertSupportedCurrency(currency: string): void {\n    if (!this.supportedCurrencies.has(currency)) {\n      throw new PaymentConfigurationError(\n        `StripeAdapter currency ${currency.toUpperCase()} is not configured as supported.`,\n      );\n    }\n  }\n\n  private async resolveStripeRefundReferenceParam(\n    paymentReference: string,\n    stripeAccount: string | undefined,\n  ): Promise<Record<string, string>> {\n    if (paymentReference.startsWith('cs_')) {\n      const session = await this.stripeRequest<Record<string, unknown>>(\n        `/checkout/sessions/${encodeURIComponent(paymentReference)}`,\n        { stripeAccount },\n      );\n      const paymentIntent = normalizeOptionalProviderString(\n        readProviderString(session, 'payment_intent'),\n      );\n\n      if (!paymentIntent) {\n        throw new PaymentProviderError(\n          'Stripe Checkout Session did not include payment_intent for refund.',\n        );\n      }\n\n      return Object.fromEntries([['payment_intent', paymentIntent]]);\n    }\n\n    return stripeRefundReferenceParam(paymentReference);\n  }\n\n  private resolveStripeAccount(\n    override: string | undefined,\n  ): string | undefined {\n    return (\n      normalizeOptionalStripeAccount(override, 'Stripe stripeAccount') ??\n      this.stripeAccount\n    );\n  }\n\n  private findStoredOptionBySessionId(\n    sessionId: string,\n  ): PaymentOption | undefined {\n    for (const option of this.optionsByQuote.values()) {\n      if (option.providerPaymentId === sessionId) return option;\n    }\n    return undefined;\n  }\n}\n\nfunction readStripeOptionAccount(\n  option: PaymentOption | undefined,\n): string | undefined {\n  const value = option?.metadata?.stripeAccount;\n  return typeof value === 'string' ? value : undefined;\n}\n\nfunction normalizeOptionalStripeAccount(\n  value: string | undefined,\n  context: string,\n): string | undefined {\n  return value === undefined\n    ? undefined\n    : normalizeNonEmptyString(value, context);\n}\n\nfunction normalizeApplicationFeeAmount(\n  value: number | undefined,\n  chargeAmount: number,\n  context: string,\n): number | undefined {\n  if (value === undefined) return undefined;\n\n  const fee = normalizePositiveMinorUnitAmount(value, context);\n  if (fee > chargeAmount) {\n    throw new PaymentConfigurationError(\n      `${context} must not exceed the charge amount.`,\n    );\n  }\n  return fee;\n}\n\nfunction stripePaymentOptionKey(\n  quoteId: string,\n  stripeAccount: string | undefined,\n): string {\n  // Platform entries retain their old quote-only keys. Connected-account ids\n  // cannot contain NUL in an HTTP header, so it safely separates account scope\n  // from the caller's quote id without collapsing tenant-local quote ids.\n  return stripeAccount === undefined ? quoteId : `${stripeAccount}\\0${quoteId}`;\n}\n\nfunction stripeRefundReferenceParam(\n  paymentReference: string,\n): Record<string, string> {\n  if (paymentReference.startsWith('pi_')) {\n    return Object.fromEntries([['payment_intent', paymentReference]]);\n  }\n\n  if (paymentReference.startsWith('ch_')) {\n    return { charge: paymentReference };\n  }\n\n  throw new PaymentConfigurationError(\n    'Stripe refunds require a Checkout Session (cs_), payment_intent (pi_), or charge (ch_) reference.',\n  );\n}\n\nfunction normalizeStripeCurrency(value: string): string {\n  if (typeof value !== 'string') {\n    throw new PaymentConfigurationError(\n      `StripeAdapter currency must be a three-letter ISO currency code, received ${String(value)}.`,\n    );\n  }\n\n  const normalized = value.trim().toLowerCase();\n\n  if (!/^[a-z]{3}$/.test(normalized)) {\n    throw new PaymentConfigurationError(\n      `StripeAdapter currency must be a three-letter ISO currency code, received ${String(value)}.`,\n    );\n  }\n\n  return normalized;\n}\n\nfunction normalizeSupportedStripeCurrencies(\n  configuredCurrencies: string[] | undefined,\n  defaultCurrency: string,\n): Set<string> {\n  const normalized = new Set(\n    (configuredCurrencies ?? ['usd', 'eur', 'gbp', 'cad']).map(\n      normalizeStripeCurrency,\n    ),\n  );\n  normalized.add(defaultCurrency);\n\n  return normalized;\n}\n\nfunction normalizeStripeCheckoutExpiresAt(\n  expiresAt: Date,\n  now = Date.now(),\n): Date {\n  if (expiresAt.getTime() <= now) {\n    throw new PaymentProviderError('Stripe Checkout expiry is in the past.');\n  }\n\n  const min = now + STRIPE_CHECKOUT_MIN_EXPIRY_MS;\n  const max = now + STRIPE_CHECKOUT_MAX_EXPIRY_MS;\n\n  if (expiresAt.getTime() < min || expiresAt.getTime() > max) {\n    throw new PaymentConfigurationError(\n      'Stripe Checkout expiry must be at least 30 minutes and no more than 24 hours from now.',\n    );\n  }\n\n  return expiresAt;\n}\n\nexport function verifyStripeWebhookSignature(\n  payload: string,\n  signatureHeader: string,\n  secret: string,\n  toleranceSeconds = 300,\n): void {\n  if (typeof payload !== 'string') {\n    throw new PaymentProviderError('Stripe webhook payload must be a string.');\n  }\n\n  const normalizedSignatureHeader = normalizeNonEmptyString(\n    signatureHeader,\n    'Stripe signature header',\n  );\n  const normalizedSecret = normalizeNonEmptyString(\n    secret,\n    'Stripe webhook secret',\n  );\n\n  if (!Number.isFinite(toleranceSeconds) || toleranceSeconds < 0) {\n    throw new PaymentConfigurationError(\n      `Stripe webhook toleranceSeconds must be a non-negative finite number, received ${String(toleranceSeconds)}.`,\n    );\n  }\n\n  const timestampCandidates: string[] = [];\n  const signatures: string[] = [];\n\n  for (const part of normalizedSignatureHeader.split(',')) {\n    const [rawKey, ...rawValue] = part.split('=');\n    const key = rawKey?.trim();\n    const value = rawValue.join('=').trim();\n\n    if (!key || !value) {\n      continue;\n    }\n\n    if (key === 't') {\n      timestampCandidates.push(value);\n    }\n\n    if (key === 'v1') {\n      signatures.push(value);\n    }\n  }\n\n  if (timestampCandidates.length !== 1 || signatures.length === 0) {\n    throw new PaymentProviderError('Invalid Stripe signature header.');\n  }\n\n  const timestamp = timestampCandidates[0] ?? '';\n\n  if (!/^\\d+$/.test(timestamp)) {\n    throw new PaymentProviderError('Invalid Stripe signature header.');\n  }\n\n  const timestampSeconds = Number(timestamp);\n\n  if (!Number.isSafeInteger(timestampSeconds)) {\n    throw new PaymentProviderError('Invalid Stripe signature header.');\n  }\n\n  const nowSeconds = Date.now() / 1_000;\n  const ageSeconds = nowSeconds - timestampSeconds;\n\n  if (ageSeconds < -5) {\n    throw new PaymentProviderError(\n      'Stripe webhook signature timestamp is in the future.',\n    );\n  }\n\n  if (ageSeconds > toleranceSeconds) {\n    throw new PaymentProviderError('Stripe webhook signature is too old.');\n  }\n\n  const expected = createHmac('sha256', normalizedSecret)\n    .update(`${timestamp}.${payload}`)\n    .digest('hex');\n  const expectedBuffer = Buffer.from(expected, 'hex');\n\n  for (const signature of signatures) {\n    if (!/^[0-9a-f]+$/i.test(signature)) {\n      throw new PaymentProviderError('Invalid Stripe signature header.');\n    }\n\n    const actualBuffer = Buffer.from(signature, 'hex');\n\n    if (\n      expectedBuffer.length === actualBuffer.length &&\n      timingSafeEqual(expectedBuffer, actualBuffer)\n    ) {\n      return;\n    }\n  }\n\n  throw new PaymentProviderError('Invalid Stripe webhook signature.');\n}\n\nfunction parseStripeWebhookPayload(payload: string): Record<string, unknown> {\n  try {\n    const event = JSON.parse(payload);\n\n    if (!event || typeof event !== 'object' || Array.isArray(event)) {\n      throw new PaymentProviderError('Invalid Stripe webhook JSON payload.');\n    }\n\n    return event as Record<string, unknown>;\n  } catch (error) {\n    if (error instanceof PaymentProviderError) {\n      throw error;\n    }\n\n    throw new PaymentProviderError('Invalid Stripe webhook JSON payload.', {\n      cause: error,\n    });\n  }\n}\n\nfunction normalizeOptionalWebhookString(\n  value: string | undefined,\n): string | undefined {\n  const normalized = value?.trim();\n\n  return normalized ? normalized : undefined;\n}\n\nfunction normalizeOptionalProviderString(\n  value: string | undefined,\n): string | undefined {\n  const normalized = value?.trim();\n\n  return normalized ? normalized : undefined;\n}\n\nfunction readProviderString(\n  value: Record<string, unknown> | undefined,\n  key: string,\n): string | undefined {\n  if (!value) {\n    return undefined;\n  }\n\n  const item = value[key];\n\n  return typeof item === 'string' ? item : undefined;\n}\n\nfunction readRequiredWebhookString(\n  value: Record<string, unknown>,\n  key: string,\n  context: string,\n): string {\n  const item = value[key];\n\n  if (typeof item !== 'string') {\n    throw new PaymentProviderError(`${context} must be a string.`);\n  }\n\n  return normalizeNonEmptyString(item, context);\n}\n\nfunction readStripeSessionQuoteId(\n  session: Record<string, unknown>,\n): string | undefined {\n  return normalizeOptionalWebhookString(\n    readString(session, 'client_reference_id') ??\n      readString(\n        (session.metadata as Record<string, unknown>) ?? {},\n        'quoteId',\n      ),\n  );\n}\n\nfunction mapStripeStatus(\n  checkoutStatus: string | undefined,\n  paymentStatus: string | undefined,\n): PaymentStatus {\n  if (paymentStatus === 'paid' || paymentStatus === 'no_payment_required') {\n    return 'confirmed';\n  }\n\n  if (checkoutStatus === 'expired') {\n    return 'expired';\n  }\n\n  if (paymentStatus === 'unpaid' || checkoutStatus === 'open') {\n    return 'pending';\n  }\n\n  if (checkoutStatus === 'complete') {\n    return 'processing';\n  }\n\n  return 'pending';\n}\n\nfunction mapStripeWebhookStatus(\n  type: string | undefined,\n  object: Record<string, unknown> | undefined,\n): PaymentStatus {\n  if (type === 'checkout.session.completed') {\n    return mapStripeStatus(\n      readString(object, 'status'),\n      readString(object, 'payment_status'),\n    );\n  }\n\n  if (type === 'checkout.session.async_payment_succeeded') {\n    return 'confirmed';\n  }\n\n  if (type === 'checkout.session.async_payment_failed') {\n    return 'failed';\n  }\n\n  if (type === 'checkout.session.expired') {\n    return 'expired';\n  }\n\n  // Manual-capture PaymentIntent lifecycle (authorize → capture / void). Only\n  // treat these as terminal for intents WE created and can correlate — i.e.\n  // ones carrying our `quoteId` in metadata. Checkout Sessions create their own\n  // PaymentIntents (which fire these same events with no quoteId on the intent);\n  // those are handled via the `checkout.session.*` events above, so here they\n  // stay non-terminal (`processing`) rather than emitting a spurious,\n  // uncorrelatable terminal event. Handled before the generic `failed` catch\n  // below so an un-owned `payment_intent.payment_failed` isn't reclassified.\n  if (\n    type === 'payment_intent.succeeded' ||\n    type === 'payment_intent.canceled' ||\n    type === 'payment_intent.payment_failed'\n  ) {\n    const metadata = (object?.metadata as Record<string, unknown>) ?? {};\n    // Match parseWebhookEvent's normalization so an empty/blank quoteId is\n    // treated as un-owned by both — gate and reporter must agree on ownership.\n    const owned =\n      normalizeOptionalWebhookString(readString(metadata, 'quoteId')) !==\n      undefined;\n    if (owned) {\n      if (type === 'payment_intent.succeeded') {\n        return 'confirmed';\n      }\n      // A manual-capture hold Stripe released automatically (it lapsed) is\n      // `expired`, distinct from a deliberate void or hard decline (`failed`);\n      // the shared PaymentStatus union has no `canceled`.\n      if (\n        type === 'payment_intent.canceled' &&\n        readString(object, 'cancellation_reason') === 'automatic'\n      ) {\n        return 'expired';\n      }\n      return 'failed';\n    }\n    return 'processing';\n  }\n\n  // Terminal failure/refund only for payment-in objects (Checkout Session,\n  // PaymentIntent, Charge). Money-out / unrelated events (transfer.failed,\n  // payout.failed, refund.failed, application_fee.refunded, …) also match a\n  // naive substring scan — and a failed Transfer even carries our quoteId\n  // (sendPayout stamps it), which would miscorrelate a payout failure as a\n  // payment failure — so they must not surface as a terminal payment status.\n  const isPaymentInEvent =\n    type?.startsWith('checkout.session.') === true ||\n    type?.startsWith('payment_intent.') === true ||\n    type?.startsWith('charge.') === true;\n\n  if (isPaymentInEvent && type?.includes('refunded')) {\n    return 'refunded';\n  }\n\n  if (isPaymentInEvent && type?.includes('failed')) {\n    return 'failed';\n  }\n\n  return 'processing';\n}\n\nfunction mapStripeRefundStatus(\n  status: string | undefined,\n): RefundResult['status'] {\n  switch (status) {\n    case 'succeeded':\n      return 'succeeded';\n    case 'failed':\n    case 'canceled':\n      return 'failed';\n    case 'requires_action':\n      return 'requires_action';\n    default:\n      return 'submitted';\n  }\n}\n\nfunction mapStripeAuthorizationStatus(\n  status: string | undefined,\n): AuthorizationResult['status'] {\n  switch (status) {\n    case 'requires_capture':\n      return 'requires_capture';\n    case 'succeeded':\n      return 'succeeded';\n    case 'requires_action':\n      return 'requires_action';\n    case 'processing':\n      return 'processing';\n    default:\n      return 'failed';\n  }\n}\n\nfunction mapStripeCaptureStatus(\n  status: string | undefined,\n): CaptureResult['status'] {\n  switch (status) {\n    case 'succeeded':\n      return 'succeeded';\n    // Capturing an authorized intent shouldn't re-enter authentication; treat\n    // any in-flight/action state as still processing rather than a failure.\n    case 'processing':\n    case 'requires_action':\n      return 'processing';\n    default:\n      return 'failed';\n  }\n}\n\nfunction mapStripeVoidStatus(status: string | undefined): VoidResult['status'] {\n  return status === 'canceled' ? 'canceled' : 'failed';\n}\n\nfunction readStripeResultCurrency(\n  value: Record<string, unknown>,\n): string | undefined {\n  const currency = readString(value, 'currency');\n\n  return currency === undefined ? undefined : currency.toUpperCase();\n}\n\nfunction mapStripeSetupStatus(\n  sessionStatus: string | undefined,\n  setupIntentStatus: string | undefined,\n): SavedPaymentMethod['status'] {\n  if (sessionStatus === 'expired') {\n    return 'expired';\n  }\n\n  if (sessionStatus === 'complete') {\n    // The method is reusable only once the SetupIntent itself has succeeded —\n    // the Session can be `complete` while the intent is still `processing`\n    // (async setup methods via dynamic payment methods).\n    if (setupIntentStatus === 'succeeded') {\n      return 'complete';\n    }\n    // A finished session whose SetupIntent didn't succeed is a terminal\n    // failure (card declined → `requires_payment_method`, or `canceled`), so\n    // callers can stop polling instead of waiting on a `pending` that will\n    // never resolve. Still-in-flight states (`processing`, `requires_action`)\n    // remain `pending`.\n    if (\n      setupIntentStatus === 'canceled' ||\n      setupIntentStatus === 'requires_payment_method'\n    ) {\n      return 'failed';\n    }\n  }\n\n  return 'pending';\n}\n\nfunction readObject(\n  value: Record<string, unknown> | undefined,\n  key: string,\n): Record<string, unknown> | undefined {\n  const item = value?.[key];\n\n  return item && typeof item === 'object' && !Array.isArray(item)\n    ? (item as Record<string, unknown>)\n    : undefined;\n}\n\nfunction extractStripeSessionId(payTo: string): string | undefined {\n  if (/^cs_(test_|live_)?[A-Za-z0-9_]+$/.test(payTo)) {\n    return payTo;\n  }\n\n  try {\n    const url = new URL(payTo);\n    const match = url.pathname.match(/\\/pay\\/([^/?#]+)/);\n\n    const sessionId = match?.[1];\n\n    return sessionId && /^cs_(test_|live_)?[A-Za-z0-9_]+$/.test(sessionId)\n      ? sessionId\n      : undefined;\n  } catch {\n    return undefined;\n  }\n}\n\nfunction flattenStripeMetadata(\n  metadata:\n    | Record<string, string | number | boolean | null | undefined>\n    | undefined,\n): Record<string, string | number | boolean> {\n  const result: Record<string, string | number | boolean> = {};\n\n  for (const [key, value] of Object.entries(metadata ?? {})) {\n    if (value !== undefined && value !== null) {\n      result[`metadata[${key}]`] = value;\n    }\n  }\n\n  return result;\n}\n\nfunction readString(\n  value: Record<string, unknown> | undefined,\n  key: string,\n): string | undefined {\n  if (!value) {\n    return undefined;\n  }\n\n  const item = value[key];\n\n  if (typeof item === 'string') {\n    return item;\n  }\n\n  if (typeof item === 'number') {\n    return String(item);\n  }\n\n  return undefined;\n}\n\nfunction readSafeInteger(\n  value: Record<string, unknown> | undefined,\n  key: string,\n): number | undefined {\n  if (!value) {\n    return undefined;\n  }\n\n  const item = value[key];\n\n  return typeof item === 'number' && Number.isSafeInteger(item) && item >= 0\n    ? item\n    : 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package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@happyvertical/payments",
-  "version": "0.105.2",
+  "version": "0.105.4",
   "description": "Payment backend abstraction with adapters for Base USDC, BTCPay Server, and Stripe",
   "type": "module",
   "main": "./dist/index.js",