@happyvertical/payments 0.106.1 → 0.107.0

package/AGENT.md

@@ -30,3 +30,16 @@ pnpm --filter @happyvertical/payments clean
 - Requires: @noble/curves, @noble/hashes, @scure/bip32
 - Stability: stable (Primary package surface is described as implemented and production-oriented.)
 <!-- END AGENT:GENERATED -->
+
+
+## Dispute transport
+
+StripeAdapter verifies dispute webhooks before exposing `event.dispute` and
+`event.connect.dispute`. `getDispute(id, { stripeAccount, expectedLivemode })`
+is an authoritative scoped GET, preserving account/environment context and
+expanded charge/PaymentIntent identities. Root `PaymentDispute` types expose
+validated safe minor-unit amounts and balance transaction evidence without raw
+parsing. Missing evidence throws; an empty array is valid. Unknown lifecycle
+statuses map to `unknown`, unknown dispute event types throw. Never infer money
+movement from lifecycle status; consumers own ledger postings, ownership,
+durable deduplication, ordering, and recovery. See README dispute documentation.

package/README.md

@@ -180,6 +180,86 @@ refunded or failed. Duplicate detection records an event only after it
 resolves, so a delivery rejected for an unmapped account is not reported as a
 duplicate when Stripe retries it.
 
+### Disputes: verified snapshots and authoritative rereads
+
+Stripe normalizes `charge.dispute.created`, `.updated`, `.closed`,
+`.funds_withdrawn`, and `.funds_reinstated` into `event.dispute` and
+`event.connect = { type, dispute }` on both endpoint parsers. Connect events
+retain the verified `account`; dispute events require a boolean event
+`livemode` matching the object's environment and expose `createdAt` and
+`livemode` without reading `raw`. Their generic payment `status` stays
+`processing`: a dispute never marks the original payment refunded or failed.
+Existing non-dispute event behavior is unchanged.
+
+```ts
+const { event, owner, account } = await platform.resolveConnectWebhookEvent(
+  rawBody, signature, { resolveAccount: findAccountOwner },
+);
+if (event.dispute) {
+  if (event.livemode !== owner.stripeLivemode) throw new Error('wrong environment');
+  // Authenticate/route the delivery first; reread after out-of-order delivery or
+  // restart. The request scope is preserved in current.account even though
+  // Stripe's dispute object normally omits it.
+  const current = await platform.getDispute(event.dispute.id, {
+    stripeAccount: account,
+    expectedLivemode: owner.stripeLivemode,
+  });
+  if (current.status === 'unknown') throw new Error('unsupported dispute status');
+  await owner.reconcileDispute(current); // consumer-owned durable/idempotent ledger
+}
+```
+
+`PaymentDispute`, `PaymentDisputeStatus`, and
+`PaymentDisputeBalanceTransaction` are root type exports. The Stripe subpath
+exports `StripeDispute`, `StripeDisputeEventType`, and
+`StripeGetDisputeOptions`. A dispute supplies `id`, `chargeId`, optional
+`paymentIntentId`, `amount`, `currency`, `status`, `providerStatus`, `livemode`,
+`createdAt`, and `balanceTransactions`. `getDispute(id, options?)` is a GET,
+uses the explicit account or adapter's default account (otherwise platform),
+and refuses an override of a fixed adapter account. The caller must select an
+owned account; Stripe authenticates the read within that account. A reread
+requests an expanded charge to recover `paymentIntentId` when absent on the
+dispute. Both card `ch_` and non-card `py_` charge identities are accepted, as are
+current `du_` and legacy `dp_` dispute identities. Some charges genuinely have no
+PaymentIntent: that field remains
+optional, and consumers must resolve charge ownership themselves or quarantine
+unroutable snapshots. Conflicting expanded references are rejected.
+
+All amounts are safe integers in minor units. Disputed `amount` is
+non-negative. Balance evidence contains transaction `id`, signed `amount`,
+`fee`, signed `net` (`amount - fee`), `currency`, `createdAt`, provider `type`,
+and optional `reportingCategory`. Its currency may differ from the dispute's
+after FX; do not combine currencies or silently apply the dispute's amount.
+The transaction identifiers and actual deltas are the evidence for accounting;
+statuses and event suffixes alone never prove an amount moved. A `won` or
+`lost` status does not synthesize a credit or debit. Stripe describes zero,
+one, or two balance transactions showing withdrawals and reinstatements.
+
+A validated empty `balanceTransactions` means Stripe reported no balance
+transactions in that snapshot. Missing/incomplete/malformed balance evidence
+throws `PaymentProviderError`; it never becomes an empty array. Known core
+fields with malformed values, unsafe amounts, duplicate transaction IDs,
+inconsistent net values, missing environments, or mismatched identities fail
+closed. Additional unrelated provider fields are ignored. Future lifecycle
+statuses become `status: 'unknown'` with their original `providerStatus`;
+consumers must quarantine those business decisions. Future `charge.dispute.*`
+event types throw rather than falling through as an ignored payment.
+
+Webhook signature verification occurs before parsing; Connect ownership
+resolution occurs before the duplicate marker is recorded. Duplicate and older
+events retain their original evidence; the adapter does not merge snapshots,
+suppress stale events, journal funds, or guarantee durable deduplication.
+Persist event and balance transaction identifiers in the consumer and reread
+authoritatively for retry/crash recovery. Provider/transport errors propagate;
+no dispute writes are exposed. Do not persist `raw`, which may contain PII.
+
+Semantics checked against Stripe's official
+[dispute object](https://docs.stripe.com/api/disputes/object),
+[event types](https://docs.stripe.com/api/events/types),
+[dispute retrieval](https://docs.stripe.com/api/disputes/retrieve), and
+[balance transaction object](https://docs.stripe.com/api/balance_transactions/object)
+on 2026-10-23.
+
 ### BTCPay Greenfield client
 
 `BtcpayClient` is a stateless client for one BTCPay Server store (Greenfield

package/dist/adapters/stripe.d.ts

@@ -1,5 +1,5 @@
 import { FetchLike } from '../shared.js';
-import { AuthorizationResult, AuthorizePaymentInput, CapturePaymentInput, CaptureResult, CreatePaymentOptionInput, CreateSetupSessionInput, GetSetupResultInput, PaymentBackend, PaymentBackendCapabilities, PaymentEvent, PaymentOption, PaymentStatus, PaymentStatusContext, PaymentStatusResult, PaymentWebhookEvent, PayoutResult, RefundPaymentInput, RefundResult, SavedPaymentMethod, SendPayoutInput, SetupSession, VoidPaymentInput, VoidResult, WatchPaymentInput } from '../types.js';
+import { AuthorizationResult, AuthorizePaymentInput, CapturePaymentInput, CaptureResult, CreatePaymentOptionInput, CreateSetupSessionInput, GetSetupResultInput, PaymentBackend, PaymentBackendCapabilities, PaymentDispute, PaymentEvent, PaymentOption, PaymentStatus, PaymentStatusContext, PaymentStatusResult, PaymentWebhookEvent, PayoutResult, RefundPaymentInput, RefundResult, SavedPaymentMethod, SendPayoutInput, SetupSession, VoidPaymentInput, VoidResult, WatchPaymentInput } from '../types.js';
 export declare const STRIPE_BACKEND_ID = "stripe";
 export interface StripeAdapterOptions {
     secretKey: string;
@@ -67,7 +67,11 @@ export interface StripeWebhookEvent extends PaymentWebhookEvent {
      * platform-endpoint events never carry it.
      */
     account?: string;
-    /** Typed Connect payload for `account.updated` and `application_fee.*`. */
+    /** Verified event environment and timestamp (required for dispute events). */
+    livemode?: boolean;
+    createdAt?: Date;
+    dispute?: StripeDispute;
+    /** Typed Connect account, application-fee, and dispute payloads. */
     connect?: StripeConnectEventDetail;
     raw: unknown;
 }
@@ -81,7 +85,20 @@ export type StripeConnectEventDetail = {
 } | {
     type: 'application_fee.created' | 'application_fee.refunded';
     applicationFee: StripeApplicationFee;
+} | {
+    type: StripeDisputeEventType;
+    dispute: StripeDispute;
 };
+export type StripeDisputeEventType = 'charge.dispute.created' | 'charge.dispute.updated' | 'charge.dispute.closed' | 'charge.dispute.funds_withdrawn' | 'charge.dispute.funds_reinstated';
+export interface StripeDispute extends PaymentDispute {
+    /** Verified webhook origin or authenticated request scope; absent for platform. */
+    account?: string;
+    raw: unknown;
+}
+export interface StripeGetDisputeOptions extends StripeAccountScope {
+    /** Reject an authoritative reread from a different environment. */
+    expectedLivemode?: boolean;
+}
 /** Connected account onboarding and capability state. */
 export interface StripeConnectAccountStatus {
     accountId: string;
@@ -239,6 +256,8 @@ export declare class StripeAdapter implements PaymentBackend {
      * status, and outstanding requirements).
      */
     getAccountCapabilities(accountId: string): Promise<StripeConnectAccountStatus>;
+    /** Authoritative read. No request or adapter account scope means platform. */
+    getDispute(disputeId: string, options?: StripeGetDisputeOptions): Promise<StripeDispute>;
     private verifyWebhookEvent;
     private recordWebhookEvent;
     private assertAdapterAccount;

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+{"version":3,"file":"stripe.d.ts","sourceRoot":"","sources":["../../src/adapters/stripe.ts"],"names":[],"mappings":"AAOA,OAAO,EAEL,KAAK,SAAS,EAaf,MAAM,cAAc,CAAC;AACtB,OAAO,KAAK,EACV,mBAAmB,EACnB,qBAAqB,EACrB,mBAAmB,EACnB,aAAa,EACb,wBAAwB,EACxB,uBAAuB,EACvB,mBAAmB,EACnB,cAAc,EACd,0BAA0B,EAC1B,cAAc,EAEd,YAAY,EACZ,aAAa,EACb,aAAa,EACb,oBAAoB,EACpB,mBAAmB,EACnB,mBAAmB,EACnB,YAAY,EACZ,kBAAkB,EAClB,YAAY,EACZ,kBAAkB,EAClB,eAAe,EACf,YAAY,EACZ,gBAAgB,EAChB,UAAU,EACV,iBAAiB,EAClB,MAAM,aAAa,CAAC;AAErB,eAAO,MAAM,iBAAiB,WAAW,CAAC;AAM1C,MAAM,WAAW,oBAAoB;IACnC,SAAS,EAAE,MAAM,CAAC;IAClB,KAAK,CAAC,EAAE,SAAS,CAAC;IAClB,UAAU,CAAC,EAAE,MAAM,CAAC;IACpB,UAAU,CAAC,EAAE,MAAM,CAAC;IACpB,eAAe,CAAC,EAAE,MAAM,CAAC;IACzB,mBAAmB,CAAC,EAAE,MAAM,EAAE,CAAC;IAC/B,UAAU,CAAC,EAAE,MAAM,CAAC;IACpB,SAAS,CAAC,EAAE,MAAM,CAAC;IACnB,YAAY,CAAC,EAAE,MAAM,CAAC;IACtB,aAAa,CAAC,EAAE,MAAM,CAAC;IACvB;;;;OAIG;IACH,oBAAoB,CAAC,EAAE,MAAM,CAAC;IAC9B,cAAc,CAAC,EAAE,MAAM,CAAC;IACxB,uBAAuB,CAAC,EAAE,MAAM,CAAC;IACjC,wBAAwB,CAAC,EAAE,MAAM,CAAC;IAClC,2EAA2E;IAC3E,aAAa,CAAC,EAAE,MAAM,CAAC;CACxB;AAED,4EAA4E;AAC5E,MAAM,WAAW,kBAAkB;IACjC,aAAa,CAAC,EAAE,MAAM,CAAC;CACxB;AAED,MAAM,WAAW,8BACf,SAAQ,wBAAwB,EAC9B,kBAAkB;IACpB,4EAA4E;IAC5E,oBAAoB,CAAC,EAAE,MAAM,CAAC;CAC/B;AAED,MAAM,WAAW,0BACf,SAAQ,oBAAoB,EAC1B,kBAAkB;CAAG;AAEzB,MAAM,WAAW,wBACf,SAAQ,kBAAkB,EACxB,kBAAkB;IACpB,iEAAiE;IACjE,oBAAoB,CAAC,EAAE,OAAO,CAAC;IAC/B,qEAAqE;IACrE,eAAe,CAAC,EAAE,OAAO,CAAC;CAC3B;AAED,MAAM,WAAW,2BACf,SAAQ,qBAAqB,EAC3B,kBAAkB;IACpB,4EAA4E;IAC5E,oBAAoB,CAAC,EAAE,MAAM,CAAC;CAC/B;AAED,MAAM,WAAW,yBACf,SAAQ,mBAAmB,EACzB,kBAAkB;CAAG;AAEzB,MAAM,WAAW,sBACf,SAAQ,gBAAgB,EACtB,kBAAkB;CAAG;AAEzB,MAAM,WAAW,6BACf,SAAQ,uBAAuB,EAC7B,kBAAkB;CAAG;AAEzB,MAAM,WAAW,yBACf,SAAQ,mBAAmB,EACzB,kBAAkB;CAAG;AAEzB,MAAM,WAAW,uBACf,SAAQ,IAAI,CAAC,iBAAiB,EAAE,eAAe,CAAC;IAChD,aAAa,CAAC,EAAE,0BAA0B,CAAC;CAC5C;AAED,MAAM,WAAW,kBAAmB,SAAQ,mBAAmB;IAC7D,EAAE,EAAE,MAAM,CAAC;IACX,IAAI,EAAE,MAAM,CAAC;IACb,MAAM,EAAE,aAAa,CAAC;IACtB,OAAO,CAAC,EAAE,MAAM,CAAC;IACjB,iBAAiB,CAAC,EAAE,MAAM,CAAC;IAC3B;;;;OAIG;IACH,OAAO,CAAC,EAAE,MAAM,CAAC;IACjB,8EAA8E;IAC9E,QAAQ,CAAC,EAAE,OAAO,CAAC;IACnB,SAAS,CAAC,EAAE,IAAI,CAAC;IACjB,OAAO,CAAC,EAAE,aAAa,CAAC;IACxB,oEAAoE;IACpE,OAAO,CAAC,EAAE,wBAAwB,CAAC;IACnC,GAAG,EAAE,OAAO,CAAC;CACd;AAED,sEAAsE;AACtE,MAAM,WAAW,yBAA0B,SAAQ,kBAAkB;IACnE,OAAO,EAAE,MAAM,CAAC;CACjB;AAED,MAAM,MAAM,wBAAwB,GAChC;IACE,IAAI,EAAE,iBAAiB,CAAC;IACxB,OAAO,EAAE,0BAA0B,CAAC;CACrC,GACD;IACE,IAAI,EAAE,yBAAyB,GAAG,0BAA0B,CAAC;IAC7D,cAAc,EAAE,oBAAoB,CAAC;CACtC,GACD;IAAE,IAAI,EAAE,sBAAsB,CAAC;IAAC,OAAO,EAAE,aAAa,CAAA;CAAE,CAAC;AAE7D,MAAM,MAAM,sBAAsB,GAC9B,wBAAwB,GACxB,wBAAwB,GACxB,uBAAuB,GACvB,gCAAgC,GAChC,iCAAiC,CAAC;AAEtC,MAAM,WAAW,aAAc,SAAQ,cAAc;IACnD,mFAAmF;IACnF,OAAO,CAAC,EAAE,MAAM,CAAC;IACjB,GAAG,EAAE,OAAO,CAAC;CACd;AAED,MAAM,WAAW,uBAAwB,SAAQ,kBAAkB;IACjE,mEAAmE;IACnE,gBAAgB,CAAC,EAAE,OAAO,CAAC;CAC5B;AAED,yDAAyD;AACzD,MAAM,WAAW,0BAA0B;IACzC,SAAS,EAAE,MAAM,CAAC;IAClB,2EAA2E;IAC3E,IAAI,CAAC,EAAE,MAAM,CAAC;IACd,gCAAgC;IAChC,cAAc,EAAE,OAAO,CAAC;IACxB,kCAAkC;IAClC,gBAAgB,EAAE,OAAO,CAAC;IAC1B,gCAAgC;IAChC,cAAc,EAAE,OAAO,CAAC;IACxB,gEAAgE;IAChE,YAAY,EAAE,MAAM,CAAC,MAAM,EAAE,MAAM,CAAC,CAAC;IACrC,YAAY,EAAE;QACZ,YAAY,EAAE,MAAM,EAAE,CAAC;QACvB,aAAa,EAAE,MAAM,EAAE,CAAC;QACxB,OAAO,EAAE,MAAM,EAAE,CAAC;QAClB,cAAc,CAAC,EAAE,MAAM,CAAC;KACzB,CAAC;IACF,OAAO,CAAC,EAAE,MAAM,CAAC;IACjB,eAAe,CAAC,EAAE,MAAM,CAAC;IACzB,GAAG,EAAE,OAAO,CAAC;CACd;AAED,MAAM,WAAW,oBAAoB;IACnC,EAAE,EAAE,MAAM,CAAC;IACX,oDAAoD;IACpD,OAAO,CAAC,EAAE,MAAM,CAAC;IACjB,yCAAyC;IACzC,MAAM,CAAC,EAAE,MAAM,CAAC;IAChB,+CAA+C;IAC/C,cAAc,CAAC,EAAE,MAAM,CAAC;IACxB,QAAQ,CAAC,EAAE,MAAM,CAAC;IAClB,QAAQ,EAAE,OAAO,CAAC;IAClB,MAAM,CAAC,EAAE,MAAM,CAAC;IAChB,QAAQ,CAAC,EAAE,OAAO,CAAC;IACnB,GAAG,EAAE,OAAO,CAAC;CACd;AAED,MAAM,WAAW,gCAAgC;IAC/C,yDAAyD;IACzD,OAAO,CAAC,EAAE,MAAM,CAAC;IACjB,gEAAgE;IAChE,KAAK,CAAC,EAAE,MAAM,CAAC;IACf,YAAY,CAAC,EAAE,YAAY,GAAG,SAAS,GAAG,YAAY,GAAG,mBAAmB,CAAC;IAC7E,QAAQ,CAAC,EAAE,MAAM,CAAC,MAAM,EAAE,MAAM,GAAG,MAAM,GAAG,OAAO,GAAG,IAAI,GAAG,SAAS,CAAC,CAAC;IACxE,cAAc,CAAC,EAAE,MAAM,CAAC;CACzB;AAED,MAAM,WAAW,oBAAoB;IACnC,4EAA4E;IAC5E,GAAG,EAAE,MAAM,CAAC;IACZ,SAAS,CAAC,EAAE,IAAI,CAAC;IACjB,GAAG,EAAE,OAAO,CAAC;CACd;AAED,MAAM,WAAW,iCAAiC;IAChD,kFAAkF;IAClF,OAAO,CAAC,EAAE,eAAe,GAAG,gBAAgB,CAAC;IAC7C,cAAc,CAAC,EAAE,MAAM,CAAC;CACzB;AAED;;;;GAIG;AACH,MAAM,MAAM,4BAA4B,CAAC,MAAM,IAAI,CACjD,OAAO,EAAE,MAAM,EACf,KAAK,EAAE,kBAAkB,KACtB,MAAM,GAAG,IAAI,GAAG,SAAS,GAAG,OAAO,CAAC,MAAM,GAAG,IAAI,GAAG,SAAS,CAAC,CAAC;AAEpE,MAAM,WAAW,kCAAkC,CAAC,MAAM;IACxD,cAAc,EAAE,4BAA4B,CAAC,MAAM,CAAC,CAAC;IACrD;;;;;OAKG;IACH,QAAQ,CAAC,EAAE,SAAS,GAAG,UAAU,CAAC;CACnC;AAED,MAAM,WAAW,iCAAiC,CAAC,MAAM;IACvD,KAAK,EAAE,kBAAkB,CAAC;IAC1B,iDAAiD;IACjD,OAAO,EAAE,MAAM,CAAC;IAChB,KAAK,EAAE,MAAM,CAAC;CACf;AAED,qBAAa,aAAc,YAAW,cAAc;IAkBtC,OAAO,CAAC,QAAQ,CAAC,OAAO;IAjBpC,QAAQ,CAAC,YAAY,EAAE,0BAA0B,CAAC;IAElD,OAAO,CAAC,QAAQ,CAAC,KAAK,CAAY;IAClC,OAAO,CAAC,QAAQ,CAAC,SAAS,CAAS;IACnC,OAAO,CAAC,QAAQ,CAAC,UAAU,CAAS;IACpC,OAAO,CAAC,QAAQ,CAAC,UAAU,CAAS;IACpC,OAAO,CAAC,QAAQ,CAAC,eAAe,CAAS;IACzC,OAAO,CAAC,QAAQ,CAAC,mBAAmB,CAAc;IAClD,OAAO,CAAC,QAAQ,CAAC,Y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package/dist/adapters/stripe.js

@@ -495,6 +495,18 @@ var StripeAdapter = class {
 		if (status.accountId !== account) throw new PaymentVerificationError(`Stripe account response ${status.accountId} did not match ${account}.`);
 		return status;
 	}
+	/** Authoritative read. No request or adapter account scope means platform. */
+	async getDispute(disputeId, options = {}) {
+		const id = normalizeNonEmptyString(disputeId, "Stripe dispute id");
+		if (!/^(?:du|dp)_[A-Za-z0-9_]+$/.test(id)) throw new PaymentConfigurationError("Stripe dispute id is invalid.");
+		const scope = this.resolveStripeAccount(options.stripeAccount);
+		const account = scope === void 0 ? void 0 : normalizeStripeConnectedAccountId(scope);
+		if (account !== void 0) this.assertAdapterAccount(account);
+		if (options.expectedLivemode !== void 0 && typeof options.expectedLivemode !== "boolean") throw new PaymentConfigurationError("Stripe expectedLivemode must be boolean.");
+		const dispute = mapStripeDispute(await this.stripeRequest(`/disputes/${encodeURIComponent(id)}?expand[]=charge`, { stripeAccount: account }), account);
+		if (dispute.id !== id || options.expectedLivemode !== void 0 && dispute.livemode !== options.expectedLivemode) throw new PaymentVerificationError("Stripe dispute response identity or environment did not match the request.");
+		return dispute;
+	}
 	verifyWebhookEvent(payload, signature, endpoint) {
 		const secret = endpoint === "connect" ? this.connectWebhookSecret : this.webhookSecret;
 		if (!secret) throw new PaymentConfigurationError(endpoint === "connect" ? "StripeAdapter parseConnectWebhookEvent requires connectWebhookSecret." : "StripeAdapter parseWebhookEvent requires webhookSecret.");
@@ -511,7 +523,17 @@ var StripeAdapter = class {
 			this.assertAdapterAccount(account);
 		} else if (rawAccount !== void 0 && rawAccount !== null) throw new PaymentVerificationError("Stripe connected-account event received on the platform webhook endpoint; verify it with parseConnectWebhookEvent.");
 		const data = event.data?.object;
-		const connect = mapStripeConnectEventDetail(type, data);
+		const dispute = type.startsWith("charge.dispute.") ? mapStripeDispute(data, account) : void 0;
+		let disputeType;
+		if (dispute !== void 0) {
+			disputeType = readStripeDisputeEventType(type);
+			if (typeof event.livemode !== "boolean" || event.livemode !== dispute.livemode) throw new PaymentVerificationError("Stripe dispute event environment is missing or inconsistent.");
+		}
+		const createdAt = dispute === void 0 ? void 0 : disputeDate(event.created);
+		const connect = disputeType && dispute ? {
+			type: disputeType,
+			dispute
+		} : mapStripeConnectEventDetail(type, data);
 		if (account !== void 0 && connect?.type === "account.updated" && connect.account.accountId !== account) throw new PaymentVerificationError("Stripe account.updated webhook object did not match the event account.");
 		return {
 			id,
@@ -522,6 +544,11 @@ var StripeAdapter = class {
 			duplicate: this.seenWebhookEventIds.has(id),
 			...account === void 0 ? {} : { account },
 			...connect === void 0 ? {} : { connect },
+			...dispute === void 0 ? {} : {
+				dispute,
+				livemode: dispute.livemode,
+				createdAt
+			},
 			raw: event
 		};
 	}
@@ -638,6 +665,111 @@ function mapStripeApplicationFee(fee) {
 		raw: fee
 	};
 }
+var STRIPE_DISPUTE_STATUSES = /* @__PURE__ */ new Set([
+	"warning_needs_response",
+	"warning_under_review",
+	"warning_closed",
+	"needs_response",
+	"under_review",
+	"won",
+	"lost",
+	"prevented"
+]);
+function readStripeDisputeEventType(type) {
+	switch (type) {
+		case "charge.dispute.created":
+		case "charge.dispute.updated":
+		case "charge.dispute.closed":
+		case "charge.dispute.funds_withdrawn":
+		case "charge.dispute.funds_reinstated": return type;
+		default: throw new PaymentProviderError("Unsupported Stripe dispute event type.");
+	}
+}
+function disputeError(field) {
+	throw new PaymentProviderError(`Stripe dispute has invalid or missing ${field}.`);
+}
+function disputeRecord(value, field) {
+	if (!value || typeof value !== "object" || Array.isArray(value)) return disputeError(field);
+	return value;
+}
+function disputeString(value, field) {
+	if (typeof value !== "string" || !value.trim() || value !== value.trim()) return disputeError(field);
+	return value;
+}
+function disputeId(value, prefix) {
+	const id = disputeString(typeof value === "object" && value !== null ? disputeRecord(value, prefix).id : value, prefix);
+	if (!new RegExp(`^${prefix === "ch" ? "(?:ch|py)" : prefix === "du" ? "(?:du|dp)" : prefix}_[A-Za-z0-9_]+$`).test(id)) return disputeError(prefix);
+	return id;
+}
+function disputeInteger(value, field) {
+	if (typeof value !== "number" || !Number.isSafeInteger(value)) return disputeError(field);
+	return value;
+}
+function disputeDate(value) {
+	const seconds = disputeInteger(value, "created");
+	const date = /* @__PURE__ */ new Date(seconds * 1e3);
+	if (seconds < 0 || !Number.isSafeInteger(seconds * 1e3) || !Number.isFinite(date.getTime())) return disputeError("created");
+	return date;
+}
+function disputeCurrency(value) {
+	if (typeof value !== "string" || !/^[a-z]{3}$/.test(value)) return disputeError("currency");
+	return value.toUpperCase();
+}
+function mapStripeDispute(value, account) {
+	const object = disputeRecord(value, "object");
+	if (object.object !== "dispute") return disputeError("object");
+	const id = disputeId(object.id, "du");
+	const chargeId = disputeId(object.charge, "ch");
+	const expandedCharge = typeof object.charge === "object" ? disputeRecord(object.charge, "charge") : void 0;
+	const paymentIntent = object.payment_intent ?? expandedCharge?.payment_intent;
+	const paymentIntentId = paymentIntent == null ? void 0 : disputeId(paymentIntent, "pi");
+	if (object.payment_intent != null && expandedCharge?.payment_intent != null && paymentIntentId !== disputeId(expandedCharge.payment_intent, "pi")) return disputeError("payment_intent");
+	const amount = disputeInteger(object.amount, "amount");
+	if (amount < 0) return disputeError("amount");
+	const currency = disputeCurrency(object.currency);
+	const providerStatus = disputeString(object.status, "status");
+	const status = STRIPE_DISPUTE_STATUSES.has(providerStatus) ? providerStatus : "unknown";
+	if (typeof object.livemode !== "boolean") return disputeError("livemode");
+	if (object.account !== void 0 && object.account !== account) return disputeError("account");
+	if (expandedCharge?.livemode !== void 0 && expandedCharge.livemode !== object.livemode) return disputeError("charge.livemode");
+	if (!Array.isArray(object.balance_transactions)) return disputeError("balance_transactions");
+	const ids = /* @__PURE__ */ new Set();
+	const balanceTransactions = object.balance_transactions.map((value) => {
+		const transaction = disputeRecord(value, "balance_transaction");
+		if (transaction.object !== "balance_transaction") return disputeError("balance_transaction.object");
+		const id = disputeId(transaction.id, "txn");
+		if (ids.has(id)) return disputeError("duplicate balance_transaction");
+		ids.add(id);
+		const amount = disputeInteger(transaction.amount, "balance_transaction.amount");
+		const fee = disputeInteger(transaction.fee, "balance_transaction.fee");
+		const net = disputeInteger(transaction.net, "balance_transaction.net");
+		if (!Number.isSafeInteger(amount - fee) || amount - fee !== net) return disputeError("balance_transaction.net");
+		return {
+			id,
+			amount,
+			fee,
+			net,
+			currency: disputeCurrency(transaction.currency),
+			createdAt: disputeDate(transaction.created),
+			type: disputeString(transaction.type, "balance_transaction.type"),
+			reportingCategory: transaction.reporting_category === void 0 ? void 0 : disputeString(transaction.reporting_category, "balance_transaction.reporting_category")
+		};
+	});
+	return {
+		id,
+		chargeId,
+		paymentIntentId,
+		amount,
+		currency,
+		status,
+		providerStatus,
+		livemode: object.livemode,
+		createdAt: disputeDate(object.created),
+		balanceTransactions,
+		...account === void 0 ? {} : { account },
+		raw: object
+	};
+}
 function mapStripeConnectEventDetail(type, object) {
 	if (type === "account.updated") return {
 		type,

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  PaymentNotOwnedError,\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  /**\n   * Signing secret of the Stripe Connect webhook endpoint. Stripe signs\n   * connected-account events with a different secret from the platform\n   * endpoint; see {@link StripeAdapter.parseConnectWebhookEvent}.\n   */\n  connectWebhookSecret?: 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  /**\n   * Connected account (`acct_...`) the event originated from. Set only on\n   * events verified through {@link StripeAdapter.parseConnectWebhookEvent};\n   * platform-endpoint events never carry it.\n   */\n  account?: string;\n  /** Typed Connect payload for `account.updated` and `application_fee.*`. */\n  connect?: StripeConnectEventDetail;\n  raw: unknown;\n}\n\n/** A Connect endpoint event: always scoped to a connected account. */\nexport interface StripeConnectWebhookEvent extends StripeWebhookEvent {\n  account: string;\n}\n\nexport type StripeConnectEventDetail =\n  | {\n      type: 'account.updated';\n      account: StripeConnectAccountStatus;\n    }\n  | {\n      type: 'application_fee.created' | 'application_fee.refunded';\n      applicationFee: StripeApplicationFee;\n    };\n\n/** Connected account onboarding and capability state. */\nexport interface StripeConnectAccountStatus {\n  accountId: string;\n  /** Stripe account type (`standard`, `express`, `custom`) when reported. */\n  type?: string;\n  /** Stripe `charges_enabled`. */\n  chargesEnabled: boolean;\n  /** Stripe `details_submitted`. */\n  detailsSubmitted: boolean;\n  /** Stripe `payouts_enabled`. */\n  payoutsEnabled: boolean;\n  /** Per-capability state, e.g. `{ card_payments: 'active' }`. */\n  capabilities: Record<string, string>;\n  requirements: {\n    currentlyDue: string[];\n    eventuallyDue: string[];\n    pastDue: string[];\n    disabledReason?: string;\n  };\n  country?: string;\n  defaultCurrency?: string;\n  raw: unknown;\n}\n\nexport interface StripeApplicationFee {\n  id: string;\n  /** Connected account the fee was collected from. */\n  account?: string;\n  /** Fee amount in integer minor units. */\n  amount?: number;\n  /** Refunded portion in integer minor units. */\n  amountRefunded?: number;\n  currency?: string;\n  refunded: boolean;\n  charge?: string;\n  livemode?: boolean;\n  raw: unknown;\n}\n\nexport interface StripeCreateStandardAccountInput {\n  /** Two-letter ISO country code of the account holder. */\n  country?: string;\n  /** Prefills the account holder's email in Stripe onboarding. */\n  email?: string;\n  businessType?: 'individual' | 'company' | 'non_profit' | 'government_entity';\n  metadata?: Record<string, string | number | boolean | null | undefined>;\n  idempotencyKey?: string;\n}\n\nexport interface StripeOnboardingLink {\n  /** Single-use Stripe-hosted onboarding URL; treat it as a bearer secret. */\n  url: string;\n  expiresAt?: Date;\n  raw: unknown;\n}\n\nexport interface StripeCreateOnboardingLinkOptions {\n  /** Which requirements to collect up front; Stripe defaults to `currently_due`. */\n  collect?: 'currently_due' | 'eventually_due';\n  idempotencyKey?: string;\n}\n\n/**\n * Host mapping from a connected account to its owner. Return `undefined` or\n * `null` for an account the host does not recognize; the event is then\n * rejected with {@link PaymentNotOwnedError}.\n */\nexport type StripeConnectAccountResolver<TOwner> = (\n  account: string,\n  event: StripeWebhookEvent,\n) => TOwner | null | undefined | Promise<TOwner | null | undefined>;\n\nexport interface StripeResolveConnectWebhookOptions<TOwner> {\n  resolveAccount: StripeConnectAccountResolver<TOwner>;\n  /**\n   * Endpoint the delivery arrived on. `connect` (default) verifies with\n   * `connectWebhookSecret` and routes by the event's `account`. `platform`\n   * verifies with `webhookSecret` and routes `application_fee.*` events by the\n   * fee's connected account; other platform events are rejected.\n   */\n  endpoint?: 'connect' | 'platform';\n}\n\nexport interface StripeResolvedConnectWebhookEvent<TOwner> {\n  event: StripeWebhookEvent;\n  /** Connected account the event was routed by. */\n  account: string;\n  owner: TOwner;\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 connectWebhookSecret: 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    assertOptionalSecret(options.webhookSecret, 'webhookSecret');\n    assertOptionalSecret(options.connectWebhookSecret, 'connectWebhookSecret');\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.connectWebhookSecret = options.connectWebhookSecret?.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  /**\n   * Verify and parse a delivery to the platform webhook endpoint. Events that\n   * carry a connected `account` are rejected: they belong to the Connect\n   * endpoint and must never be processed as platform-account events.\n   */\n  parseWebhookEvent(payload: string, signature?: string): StripeWebhookEvent {\n    const event = this.verifyWebhookEvent(payload, signature, 'platform');\n    this.recordWebhookEvent(event);\n    return event;\n  }\n\n  /**\n   * Verify a Stripe Connect endpoint delivery with `connectWebhookSecret`,\n   * then parse it. The signature is checked before the payload is parsed, and\n   * an event without a connected `account` is rejected. When this adapter is\n   * scoped to a `stripeAccount`, events for any other account are rejected.\n   * The payload, including `quoteId`, is controlled by the connected account:\n   * bind `quoteId` to `account` before acting on it.\n   */\n  parseConnectWebhookEvent(\n    payload: string,\n    signature?: string,\n  ): StripeConnectWebhookEvent {\n    const event = this.verifyWebhookEvent(payload, signature, 'connect');\n    this.recordWebhookEvent(event);\n    return event as StripeConnectWebhookEvent;\n  }\n\n  /**\n   * Verify a webhook delivery, then map its connected account to an owner\n   * (for example a tenant) with the host's resolver. An account the resolver\n   * does not recognize is rejected with {@link PaymentNotOwnedError}; there is\n   * no fallback to the platform account. The event is recorded for duplicate\n   * detection only after it resolves, so a retried delivery that failed to\n   * resolve is not reported as a duplicate.\n   *\n   * Security: a connected account controls the objects it creates, so a\n   * Connect event's `quoteId` (and every other payload field) is chosen by\n   * that account. Resolving the account proves only who sent the event. The\n   * host must check that `event.quoteId` belongs to the resolved owner (for\n   * example inside `resolveAccount`, which receives the event, or before\n   * settling) and must never settle another owner's quote from it.\n   */\n  async resolveConnectWebhookEvent<TOwner>(\n    payload: string,\n    signature: string | undefined,\n    options: StripeResolveConnectWebhookOptions<TOwner>,\n  ): Promise<StripeResolvedConnectWebhookEvent<TOwner>> {\n    if (typeof options?.resolveAccount !== 'function') {\n      throw new PaymentConfigurationError(\n        'Stripe resolveConnectWebhookEvent requires a resolveAccount function.',\n      );\n    }\n\n    const endpoint = options.endpoint ?? 'connect';\n\n    if (endpoint !== 'connect' && endpoint !== 'platform') {\n      throw new PaymentConfigurationError(\n        'Stripe resolveConnectWebhookEvent endpoint must be connect or platform.',\n      );\n    }\n\n    const event = this.verifyWebhookEvent(payload, signature, endpoint);\n    const account =\n      endpoint === 'connect'\n        ? event.account\n        : event.connect?.type === 'application_fee.created' ||\n            event.connect?.type === 'application_fee.refunded'\n          ? event.connect.applicationFee.account\n          : undefined;\n\n    if (account === undefined) {\n      throw new PaymentNotOwnedError(\n        `Stripe webhook event ${event.id} (${event.type}) has no connected account to route by.`,\n      );\n    }\n\n    this.assertAdapterAccount(account);\n    const owner = await options.resolveAccount(account, event);\n\n    if (owner === undefined || owner === null) {\n      throw new PaymentNotOwnedError(\n        `Stripe connected account ${account} is not mapped to an owner.`,\n      );\n    }\n\n    this.recordWebhookEvent(event);\n    return { event, account, owner };\n  }\n\n  /**\n   * Create a Stripe Connect **Standard** account. The account holder owns the\n   * Stripe relationship and dashboard; the platform only connects to it.\n   * Always issued on the platform account, never on a connected account.\n   */\n  async createStandardAccount(\n    input: StripeCreateStandardAccountInput = {},\n  ): Promise<StripeConnectAccountStatus> {\n    const country =\n      input.country === undefined\n        ? undefined\n        : normalizeStripeCountry(input.country);\n    const email =\n      input.email === undefined\n        ? undefined\n        : normalizeNonEmptyString(input.email, 'Stripe account email');\n    const account = await this.stripeRequest<Record<string, unknown>>(\n      '/accounts',\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        body: formEncode({\n          type: 'standard',\n          country,\n          email,\n          ...Object.fromEntries([['business_type', input.businessType]]),\n          ...flattenStripeMetadata(input.metadata),\n        }),\n      },\n    );\n\n    return mapStripeConnectAccount(account, 'Stripe account response');\n  }\n\n  /**\n   * Create a single-use Account Link that sends the account holder through\n   * Stripe-hosted onboarding. `refreshUrl` is visited when the link expires or\n   * is reused, and should mint a new link; `returnUrl` does not mean\n   * onboarding finished, so read {@link getAccountCapabilities} afterwards.\n   */\n  async createOnboardingLink(\n    accountId: string,\n    returnUrl: string,\n    refreshUrl: string,\n    options: StripeCreateOnboardingLinkOptions = {},\n  ): Promise<StripeOnboardingLink> {\n    const account = normalizeStripeConnectedAccountId(accountId);\n    const link = await this.stripeRequest<Record<string, unknown>>(\n      '/account_links',\n      {\n        method: 'POST',\n        idempotencyKey: options.idempotencyKey,\n        body: formEncode({\n          account,\n          type: 'account_onboarding',\n          collect: options.collect,\n          ...Object.fromEntries([\n            ['return_url', normalizeUrlString(returnUrl, 'Stripe returnUrl')],\n            [\n              'refresh_url',\n              normalizeUrlString(refreshUrl, 'Stripe refreshUrl'),\n            ],\n          ]),\n        }),\n      },\n    );\n    const url = normalizeOptionalProviderString(\n      readProviderString(link, 'url'),\n    );\n\n    if (!url) {\n      throw new PaymentProviderError(\n        'Stripe Account Link response did not include a url.',\n      );\n    }\n\n    const expiresAtSeconds = readSafeInteger(link, 'expires_at');\n\n    return {\n      url,\n      expiresAt:\n        expiresAtSeconds === undefined\n          ? undefined\n          : new Date(expiresAtSeconds * 1_000),\n      raw: link,\n    };\n  }\n\n  /**\n   * Read a connected account's onboarding and capability state\n   * (`charges_enabled`, `details_submitted`, `payouts_enabled`, per-capability\n   * status, and outstanding requirements).\n   */\n  async getAccountCapabilities(\n    accountId: string,\n  ): Promise<StripeConnectAccountStatus> {\n    const account = normalizeStripeConnectedAccountId(accountId);\n    const response = await this.stripeRequest<Record<string, unknown>>(\n      `/accounts/${encodeURIComponent(account)}`,\n    );\n    const status = mapStripeConnectAccount(response, 'Stripe account response');\n\n    if (status.accountId !== account) {\n      throw new PaymentVerificationError(\n        `Stripe account response ${status.accountId} did not match ${account}.`,\n      );\n    }\n\n    return status;\n  }\n\n  private verifyWebhookEvent(\n    payload: string,\n    signature: string | undefined,\n    endpoint: 'connect' | 'platform',\n  ): StripeWebhookEvent {\n    const secret =\n      endpoint === 'connect' ? this.connectWebhookSecret : this.webhookSecret;\n\n    if (!secret) {\n      throw new PaymentConfigurationError(\n        endpoint === 'connect'\n          ? 'StripeAdapter parseConnectWebhookEvent requires connectWebhookSecret.'\n          : 'StripeAdapter parseWebhookEvent requires webhookSecret.',\n      );\n    }\n\n    if (!signature) {\n      throw new PaymentProviderError('Missing Stripe webhook signature.');\n    }\n\n    // Authenticate the raw bytes before anything reads the payload.\n    verifyStripeWebhookSignature(payload, signature, secret);\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    const rawAccount = event.account;\n    let account: string | undefined;\n\n    if (endpoint === 'connect') {\n      account = typeof rawAccount === 'string' ? rawAccount.trim() : undefined;\n\n      if (!account || !STRIPE_CONNECTED_ACCOUNT_ID.test(account)) {\n        throw new PaymentVerificationError(\n          'Stripe Connect webhook event did not include a valid connected account.',\n        );\n      }\n\n      this.assertAdapterAccount(account);\n    } else if (rawAccount !== undefined && rawAccount !== null) {\n      throw new PaymentVerificationError(\n        'Stripe connected-account event received on the platform webhook endpoint; verify it with parseConnectWebhookEvent.',\n      );\n    }\n\n    const data = (\n      event.data as { object?: Record<string, unknown> } | undefined\n    )?.object;\n    const connect = mapStripeConnectEventDetail(type, data);\n\n    if (\n      account !== undefined &&\n      connect?.type === 'account.updated' &&\n      connect.account.accountId !== account\n    ) {\n      throw new PaymentVerificationError(\n        'Stripe account.updated webhook object did not match the event account.',\n      );\n    }\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: this.seenWebhookEventIds.has(id),\n      ...(account === undefined ? {} : { account }),\n      ...(connect === undefined ? {} : { connect }),\n      raw: event,\n    };\n  }\n\n  private recordWebhookEvent(event: StripeWebhookEvent): void {\n    if (this.seenWebhookEventIds.has(event.id)) {\n      event.duplicate = true;\n      return;\n    }\n\n    event.duplicate = false;\n    this.seenWebhookEventIds.add(event.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  private assertAdapterAccount(account: string): void {\n    if (this.stripeAccount !== undefined && account !== this.stripeAccount) {\n      throw new PaymentNotOwnedError(\n        `Stripe connected account ${account} does not match this adapter's account scope.`,\n      );\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 assertOptionalSecret(value: unknown, name: string): void {\n  if (value === undefined) return;\n\n  if (typeof value !== 'string') {\n    throw new PaymentConfigurationError(\n      `StripeAdapter ${name} must be a string when configured.`,\n    );\n  }\n\n  if (!value.trim()) {\n    throw new PaymentConfigurationError(\n      `StripeAdapter ${name} must not be empty when configured.`,\n    );\n  }\n}\n\nconst STRIPE_CONNECTED_ACCOUNT_ID = /^acct_[A-Za-z0-9]+$/;\n\nfunction normalizeStripeConnectedAccountId(value: unknown): string {\n  const account = typeof value === 'string' ? value.trim() : undefined;\n\n  if (!account || !STRIPE_CONNECTED_ACCOUNT_ID.test(account)) {\n    throw new PaymentConfigurationError(\n      'Stripe connected account id must look like acct_...',\n    );\n  }\n\n  return account;\n}\n\nfunction normalizeStripeCountry(value: string): string {\n  const country = typeof value === 'string' ? value.trim().toUpperCase() : '';\n\n  if (!/^[A-Z]{2}$/.test(country)) {\n    throw new PaymentConfigurationError(\n      'Stripe account country must be a two-letter ISO country code.',\n    );\n  }\n\n  return country;\n}\n\nfunction readStringArray(\n  value: Record<string, unknown> | undefined,\n  key: string,\n): string[] {\n  const item = value?.[key];\n\n  return Array.isArray(item)\n    ? item.filter((entry): entry is string => typeof entry === 'string')\n    : [];\n}\n\nfunction mapStripeConnectAccount(\n  account: Record<string, unknown> | undefined,\n  context: string,\n): StripeConnectAccountStatus {\n  const accountId = readProviderString(account, 'id')?.trim();\n\n  if (!account || !accountId || !STRIPE_CONNECTED_ACCOUNT_ID.test(accountId)) {\n    throw new PaymentProviderError(`${context} did not include an account id.`);\n  }\n\n  const capabilities: Record<string, string> = {};\n\n  for (const [name, state] of Object.entries(\n    readObject(account, 'capabilities') ?? {},\n  )) {\n    if (typeof state === 'string') {\n      capabilities[name] = state;\n    }\n  }\n\n  const requirements = readObject(account, 'requirements');\n  const disabledReason = normalizeOptionalProviderString(\n    readProviderString(requirements, 'disabled_reason'),\n  );\n  const defaultCurrency = readProviderString(account, 'default_currency');\n\n  return {\n    accountId,\n    type: normalizeOptionalProviderString(readProviderString(account, 'type')),\n    chargesEnabled: account.charges_enabled === true,\n    detailsSubmitted: account.details_submitted === true,\n    payoutsEnabled: account.payouts_enabled === true,\n    capabilities,\n    requirements: {\n      currentlyDue: readStringArray(requirements, 'currently_due'),\n      eventuallyDue: readStringArray(requirements, 'eventually_due'),\n      pastDue: readStringArray(requirements, 'past_due'),\n      ...(disabledReason === undefined ? {} : { disabledReason }),\n    },\n    country: normalizeOptionalProviderString(\n      readProviderString(account, 'country'),\n    ),\n    defaultCurrency: defaultCurrency?.toUpperCase(),\n    raw: account,\n  };\n}\n\nfunction mapStripeApplicationFee(\n  fee: Record<string, unknown> | undefined,\n): StripeApplicationFee {\n  const id = normalizeOptionalProviderString(readProviderString(fee, 'id'));\n\n  if (!fee || !id) {\n    throw new PaymentProviderError(\n      'Stripe application_fee webhook object did not include an id.',\n    );\n  }\n\n  const account = normalizeOptionalProviderString(\n    readProviderString(fee, 'account'),\n  );\n\n  if (account !== undefined && !STRIPE_CONNECTED_ACCOUNT_ID.test(account)) {\n    throw new PaymentProviderError(\n      'Stripe application_fee webhook object has an invalid account id.',\n    );\n  }\n  const livemode = fee.livemode;\n\n  return {\n    id,\n    account,\n    amount: readSafeInteger(fee, 'amount'),\n    amountRefunded: readSafeInteger(fee, 'amount_refunded'),\n    currency: readStripeResultCurrency(fee),\n    refunded: fee.refunded === true,\n    charge: normalizeOptionalProviderString(\n      readProviderString(fee, 'charge') ??\n        readProviderString(readObject(fee, 'charge'), 'id'),\n    ),\n    livemode: typeof livemode === 'boolean' ? livemode : undefined,\n    raw: fee,\n  };\n}\n\nfunction mapStripeConnectEventDetail(\n  type: string,\n  object: Record<string, unknown> | undefined,\n): StripeConnectEventDetail | undefined {\n  if (type === 'account.updated') {\n    return {\n      type,\n      account: mapStripeConnectAccount(\n        object,\n        'Stripe account.updated webhook object',\n      ),\n    };\n  }\n\n  if (\n    type === 'application_fee.created' ||\n    type === 'application_fee.refunded'\n  ) {\n    return { type, applicationFee: mapStripeApplicationFee(object) };\n  }\n\n  return undefined;\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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+{"version":3,"file":"stripe.js","names":[],"sources":["../../src/adapters/stripe.ts"],"sourcesContent":["import { createHmac, timingSafeEqual } from 'node:crypto';\nimport {\n  PaymentConfigurationError,\n  PaymentNotOwnedError,\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  PaymentDispute,\n  PaymentDisputeStatus,\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  /**\n   * Signing secret of the Stripe Connect webhook endpoint. Stripe signs\n   * connected-account events with a different secret from the platform\n   * endpoint; see {@link StripeAdapter.parseConnectWebhookEvent}.\n   */\n  connectWebhookSecret?: 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  /**\n   * Connected account (`acct_...`) the event originated from. Set only on\n   * events verified through {@link StripeAdapter.parseConnectWebhookEvent};\n   * platform-endpoint events never carry it.\n   */\n  account?: string;\n  /** Verified event environment and timestamp (required for dispute events). */\n  livemode?: boolean;\n  createdAt?: Date;\n  dispute?: StripeDispute;\n  /** Typed Connect account, application-fee, and dispute payloads. */\n  connect?: StripeConnectEventDetail;\n  raw: unknown;\n}\n\n/** A Connect endpoint event: always scoped to a connected account. */\nexport interface StripeConnectWebhookEvent extends StripeWebhookEvent {\n  account: string;\n}\n\nexport type StripeConnectEventDetail =\n  | {\n      type: 'account.updated';\n      account: StripeConnectAccountStatus;\n    }\n  | {\n      type: 'application_fee.created' | 'application_fee.refunded';\n      applicationFee: StripeApplicationFee;\n    }\n  | { type: StripeDisputeEventType; dispute: StripeDispute };\n\nexport type StripeDisputeEventType =\n  | 'charge.dispute.created'\n  | 'charge.dispute.updated'\n  | 'charge.dispute.closed'\n  | 'charge.dispute.funds_withdrawn'\n  | 'charge.dispute.funds_reinstated';\n\nexport interface StripeDispute extends PaymentDispute {\n  /** Verified webhook origin or authenticated request scope; absent for platform. */\n  account?: string;\n  raw: unknown;\n}\n\nexport interface StripeGetDisputeOptions extends StripeAccountScope {\n  /** Reject an authoritative reread from a different environment. */\n  expectedLivemode?: boolean;\n}\n\n/** Connected account onboarding and capability state. */\nexport interface StripeConnectAccountStatus {\n  accountId: string;\n  /** Stripe account type (`standard`, `express`, `custom`) when reported. */\n  type?: string;\n  /** Stripe `charges_enabled`. */\n  chargesEnabled: boolean;\n  /** Stripe `details_submitted`. */\n  detailsSubmitted: boolean;\n  /** Stripe `payouts_enabled`. */\n  payoutsEnabled: boolean;\n  /** Per-capability state, e.g. `{ card_payments: 'active' }`. */\n  capabilities: Record<string, string>;\n  requirements: {\n    currentlyDue: string[];\n    eventuallyDue: string[];\n    pastDue: string[];\n    disabledReason?: string;\n  };\n  country?: string;\n  defaultCurrency?: string;\n  raw: unknown;\n}\n\nexport interface StripeApplicationFee {\n  id: string;\n  /** Connected account the fee was collected from. */\n  account?: string;\n  /** Fee amount in integer minor units. */\n  amount?: number;\n  /** Refunded portion in integer minor units. */\n  amountRefunded?: number;\n  currency?: string;\n  refunded: boolean;\n  charge?: string;\n  livemode?: boolean;\n  raw: unknown;\n}\n\nexport interface StripeCreateStandardAccountInput {\n  /** Two-letter ISO country code of the account holder. */\n  country?: string;\n  /** Prefills the account holder's email in Stripe onboarding. */\n  email?: string;\n  businessType?: 'individual' | 'company' | 'non_profit' | 'government_entity';\n  metadata?: Record<string, string | number | boolean | null | undefined>;\n  idempotencyKey?: string;\n}\n\nexport interface StripeOnboardingLink {\n  /** Single-use Stripe-hosted onboarding URL; treat it as a bearer secret. */\n  url: string;\n  expiresAt?: Date;\n  raw: unknown;\n}\n\nexport interface StripeCreateOnboardingLinkOptions {\n  /** Which requirements to collect up front; Stripe defaults to `currently_due`. */\n  collect?: 'currently_due' | 'eventually_due';\n  idempotencyKey?: string;\n}\n\n/**\n * Host mapping from a connected account to its owner. Return `undefined` or\n * `null` for an account the host does not recognize; the event is then\n * rejected with {@link PaymentNotOwnedError}.\n */\nexport type StripeConnectAccountResolver<TOwner> = (\n  account: string,\n  event: StripeWebhookEvent,\n) => TOwner | null | undefined | Promise<TOwner | null | undefined>;\n\nexport interface StripeResolveConnectWebhookOptions<TOwner> {\n  resolveAccount: StripeConnectAccountResolver<TOwner>;\n  /**\n   * Endpoint the delivery arrived on. `connect` (default) verifies with\n   * `connectWebhookSecret` and routes by the event's `account`. `platform`\n   * verifies with `webhookSecret` and routes `application_fee.*` events by the\n   * fee's connected account; other platform events are rejected.\n   */\n  endpoint?: 'connect' | 'platform';\n}\n\nexport interface StripeResolvedConnectWebhookEvent<TOwner> {\n  event: StripeWebhookEvent;\n  /** Connected account the event was routed by. */\n  account: string;\n  owner: TOwner;\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 connectWebhookSecret: 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    assertOptionalSecret(options.webhookSecret, 'webhookSecret');\n    assertOptionalSecret(options.connectWebhookSecret, 'connectWebhookSecret');\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.connectWebhookSecret = options.connectWebhookSecret?.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  /**\n   * Verify and parse a delivery to the platform webhook endpoint. Events that\n   * carry a connected `account` are rejected: they belong to the Connect\n   * endpoint and must never be processed as platform-account events.\n   */\n  parseWebhookEvent(payload: string, signature?: string): StripeWebhookEvent {\n    const event = this.verifyWebhookEvent(payload, signature, 'platform');\n    this.recordWebhookEvent(event);\n    return event;\n  }\n\n  /**\n   * Verify a Stripe Connect endpoint delivery with `connectWebhookSecret`,\n   * then parse it. The signature is checked before the payload is parsed, and\n   * an event without a connected `account` is rejected. When this adapter is\n   * scoped to a `stripeAccount`, events for any other account are rejected.\n   * The payload, including `quoteId`, is controlled by the connected account:\n   * bind `quoteId` to `account` before acting on it.\n   */\n  parseConnectWebhookEvent(\n    payload: string,\n    signature?: string,\n  ): StripeConnectWebhookEvent {\n    const event = this.verifyWebhookEvent(payload, signature, 'connect');\n    this.recordWebhookEvent(event);\n    return event as StripeConnectWebhookEvent;\n  }\n\n  /**\n   * Verify a webhook delivery, then map its connected account to an owner\n   * (for example a tenant) with the host's resolver. An account the resolver\n   * does not recognize is rejected with {@link PaymentNotOwnedError}; there is\n   * no fallback to the platform account. The event is recorded for duplicate\n   * detection only after it resolves, so a retried delivery that failed to\n   * resolve is not reported as a duplicate.\n   *\n   * Security: a connected account controls the objects it creates, so a\n   * Connect event's `quoteId` (and every other payload field) is chosen by\n   * that account. Resolving the account proves only who sent the event. The\n   * host must check that `event.quoteId` belongs to the resolved owner (for\n   * example inside `resolveAccount`, which receives the event, or before\n   * settling) and must never settle another owner's quote from it.\n   */\n  async resolveConnectWebhookEvent<TOwner>(\n    payload: string,\n    signature: string | undefined,\n    options: StripeResolveConnectWebhookOptions<TOwner>,\n  ): Promise<StripeResolvedConnectWebhookEvent<TOwner>> {\n    if (typeof options?.resolveAccount !== 'function') {\n      throw new PaymentConfigurationError(\n        'Stripe resolveConnectWebhookEvent requires a resolveAccount function.',\n      );\n    }\n\n    const endpoint = options.endpoint ?? 'connect';\n\n    if (endpoint !== 'connect' && endpoint !== 'platform') {\n      throw new PaymentConfigurationError(\n        'Stripe resolveConnectWebhookEvent endpoint must be connect or platform.',\n      );\n    }\n\n    const event = this.verifyWebhookEvent(payload, signature, endpoint);\n    const account =\n      endpoint === 'connect'\n        ? event.account\n        : event.connect?.type === 'application_fee.created' ||\n            event.connect?.type === 'application_fee.refunded'\n          ? event.connect.applicationFee.account\n          : undefined;\n\n    if (account === undefined) {\n      throw new PaymentNotOwnedError(\n        `Stripe webhook event ${event.id} (${event.type}) has no connected account to route by.`,\n      );\n    }\n\n    this.assertAdapterAccount(account);\n    const owner = await options.resolveAccount(account, event);\n\n    if (owner === undefined || owner === null) {\n      throw new PaymentNotOwnedError(\n        `Stripe connected account ${account} is not mapped to an owner.`,\n      );\n    }\n\n    this.recordWebhookEvent(event);\n    return { event, account, owner };\n  }\n\n  /**\n   * Create a Stripe Connect **Standard** account. The account holder owns the\n   * Stripe relationship and dashboard; the platform only connects to it.\n   * Always issued on the platform account, never on a connected account.\n   */\n  async createStandardAccount(\n    input: StripeCreateStandardAccountInput = {},\n  ): Promise<StripeConnectAccountStatus> {\n    const country =\n      input.country === undefined\n        ? undefined\n        : normalizeStripeCountry(input.country);\n    const email =\n      input.email === undefined\n        ? undefined\n        : normalizeNonEmptyString(input.email, 'Stripe account email');\n    const account = await this.stripeRequest<Record<string, unknown>>(\n      '/accounts',\n      {\n        method: 'POST',\n        idempotencyKey: input.idempotencyKey,\n        body: formEncode({\n          type: 'standard',\n          country,\n          email,\n          ...Object.fromEntries([['business_type', input.businessType]]),\n          ...flattenStripeMetadata(input.metadata),\n        }),\n      },\n    );\n\n    return mapStripeConnectAccount(account, 'Stripe account response');\n  }\n\n  /**\n   * Create a single-use Account Link that sends the account holder through\n   * Stripe-hosted onboarding. `refreshUrl` is visited when the link expires or\n   * is reused, and should mint a new link; `returnUrl` does not mean\n   * onboarding finished, so read {@link getAccountCapabilities} afterwards.\n   */\n  async createOnboardingLink(\n    accountId: string,\n    returnUrl: string,\n    refreshUrl: string,\n    options: StripeCreateOnboardingLinkOptions = {},\n  ): Promise<StripeOnboardingLink> {\n    const account = normalizeStripeConnectedAccountId(accountId);\n    const link = await this.stripeRequest<Record<string, unknown>>(\n      '/account_links',\n      {\n        method: 'POST',\n        idempotencyKey: options.idempotencyKey,\n        body: formEncode({\n          account,\n          type: 'account_onboarding',\n          collect: options.collect,\n          ...Object.fromEntries([\n            ['return_url', normalizeUrlString(returnUrl, 'Stripe returnUrl')],\n            [\n              'refresh_url',\n              normalizeUrlString(refreshUrl, 'Stripe refreshUrl'),\n            ],\n          ]),\n        }),\n      },\n    );\n    const url = normalizeOptionalProviderString(\n      readProviderString(link, 'url'),\n    );\n\n    if (!url) {\n      throw new PaymentProviderError(\n        'Stripe Account Link response did not include a url.',\n      );\n    }\n\n    const expiresAtSeconds = readSafeInteger(link, 'expires_at');\n\n    return {\n      url,\n      expiresAt:\n        expiresAtSeconds === undefined\n          ? undefined\n          : new Date(expiresAtSeconds * 1_000),\n      raw: link,\n    };\n  }\n\n  /**\n   * Read a connected account's onboarding and capability state\n   * (`charges_enabled`, `details_submitted`, `payouts_enabled`, per-capability\n   * status, and outstanding requirements).\n   */\n  async getAccountCapabilities(\n    accountId: string,\n  ): Promise<StripeConnectAccountStatus> {\n    const account = normalizeStripeConnectedAccountId(accountId);\n    const response = await this.stripeRequest<Record<string, unknown>>(\n      `/accounts/${encodeURIComponent(account)}`,\n    );\n    const status = mapStripeConnectAccount(response, 'Stripe account response');\n\n    if (status.accountId !== account) {\n      throw new PaymentVerificationError(\n        `Stripe account response ${status.accountId} did not match ${account}.`,\n      );\n    }\n\n    return status;\n  }\n\n  /** Authoritative read. No request or adapter account scope means platform. */\n  async getDispute(\n    disputeId: string,\n    options: StripeGetDisputeOptions = {},\n  ): Promise<StripeDispute> {\n    const id = normalizeNonEmptyString(disputeId, 'Stripe dispute id');\n    if (!/^(?:du|dp)_[A-Za-z0-9_]+$/.test(id)) {\n      throw new PaymentConfigurationError('Stripe dispute id is invalid.');\n    }\n    const scope = this.resolveStripeAccount(options.stripeAccount);\n    const account =\n      scope === undefined\n        ? undefined\n        : normalizeStripeConnectedAccountId(scope);\n    if (account !== undefined) this.assertAdapterAccount(account);\n    if (\n      options.expectedLivemode !== undefined &&\n      typeof options.expectedLivemode !== 'boolean'\n    ) {\n      throw new PaymentConfigurationError(\n        'Stripe expectedLivemode must be boolean.',\n      );\n    }\n    const response = await this.stripeRequest<Record<string, unknown>>(\n      `/disputes/${encodeURIComponent(id)}?expand[]=charge`,\n      { stripeAccount: account },\n    );\n    const dispute = mapStripeDispute(response, account);\n    if (\n      dispute.id !== id ||\n      (options.expectedLivemode !== undefined &&\n        dispute.livemode !== options.expectedLivemode)\n    ) {\n      throw new PaymentVerificationError(\n        'Stripe dispute response identity or environment did not match the request.',\n      );\n    }\n    return dispute;\n  }\n\n  private verifyWebhookEvent(\n    payload: string,\n    signature: string | undefined,\n    endpoint: 'connect' | 'platform',\n  ): StripeWebhookEvent {\n    const secret =\n      endpoint === 'connect' ? this.connectWebhookSecret : this.webhookSecret;\n\n    if (!secret) {\n      throw new PaymentConfigurationError(\n        endpoint === 'connect'\n          ? 'StripeAdapter parseConnectWebhookEvent requires connectWebhookSecret.'\n          : 'StripeAdapter parseWebhookEvent requires webhookSecret.',\n      );\n    }\n\n    if (!signature) {\n      throw new PaymentProviderError('Missing Stripe webhook signature.');\n    }\n\n    // Authenticate the raw bytes before anything reads the payload.\n    verifyStripeWebhookSignature(payload, signature, secret);\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    const rawAccount = event.account;\n    let account: string | undefined;\n\n    if (endpoint === 'connect') {\n      account = typeof rawAccount === 'string' ? rawAccount.trim() : undefined;\n\n      if (!account || !STRIPE_CONNECTED_ACCOUNT_ID.test(account)) {\n        throw new PaymentVerificationError(\n          'Stripe Connect webhook event did not include a valid connected account.',\n        );\n      }\n\n      this.assertAdapterAccount(account);\n    } else if (rawAccount !== undefined && rawAccount !== null) {\n      throw new PaymentVerificationError(\n        'Stripe connected-account event received on the platform webhook endpoint; verify it with parseConnectWebhookEvent.',\n      );\n    }\n\n    const data = (\n      event.data as { object?: Record<string, unknown> } | undefined\n    )?.object;\n    const dispute = type.startsWith('charge.dispute.')\n      ? mapStripeDispute(data, account)\n      : undefined;\n    let disputeType: StripeDisputeEventType | undefined;\n    if (dispute !== undefined) {\n      disputeType = readStripeDisputeEventType(type);\n      if (\n        typeof event.livemode !== 'boolean' ||\n        event.livemode !== dispute.livemode\n      ) {\n        throw new PaymentVerificationError(\n          'Stripe dispute event environment is missing or inconsistent.',\n        );\n      }\n    }\n    const createdAt =\n      dispute === undefined ? undefined : disputeDate(event.created);\n    const connect: StripeConnectEventDetail | undefined =\n      disputeType && dispute\n        ? { type: disputeType, dispute }\n        : mapStripeConnectEventDetail(type, data);\n\n    if (\n      account !== undefined &&\n      connect?.type === 'account.updated' &&\n      connect.account.accountId !== account\n    ) {\n      throw new PaymentVerificationError(\n        'Stripe account.updated webhook object did not match the event account.',\n      );\n    }\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: this.seenWebhookEventIds.has(id),\n      ...(account === undefined ? {} : { account }),\n      ...(connect === undefined ? {} : { connect }),\n      ...(dispute === undefined\n        ? {}\n        : { dispute, livemode: dispute.livemode, createdAt }),\n      raw: event,\n    };\n  }\n\n  private recordWebhookEvent(event: StripeWebhookEvent): void {\n    if (this.seenWebhookEventIds.has(event.id)) {\n      event.duplicate = true;\n      return;\n    }\n\n    event.duplicate = false;\n    this.seenWebhookEventIds.add(event.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  private assertAdapterAccount(account: string): void {\n    if (this.stripeAccount !== undefined && account !== this.stripeAccount) {\n      throw new PaymentNotOwnedError(\n        `Stripe connected account ${account} does not match this adapter's account scope.`,\n      );\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 assertOptionalSecret(value: unknown, name: string): void {\n  if (value === undefined) return;\n\n  if (typeof value !== 'string') {\n    throw new PaymentConfigurationError(\n      `StripeAdapter ${name} must be a string when configured.`,\n    );\n  }\n\n  if (!value.trim()) {\n    throw new PaymentConfigurationError(\n      `StripeAdapter ${name} must not be empty when configured.`,\n    );\n  }\n}\n\nconst STRIPE_CONNECTED_ACCOUNT_ID = /^acct_[A-Za-z0-9]+$/;\n\nfunction normalizeStripeConnectedAccountId(value: unknown): string {\n  const account = typeof value === 'string' ? value.trim() : undefined;\n\n  if (!account || !STRIPE_CONNECTED_ACCOUNT_ID.test(account)) {\n    throw new PaymentConfigurationError(\n      'Stripe connected account id must look like acct_...',\n    );\n  }\n\n  return account;\n}\n\nfunction normalizeStripeCountry(value: string): string {\n  const country = typeof value === 'string' ? value.trim().toUpperCase() : '';\n\n  if (!/^[A-Z]{2}$/.test(country)) {\n    throw new PaymentConfigurationError(\n      'Stripe account country must be a two-letter ISO country code.',\n    );\n  }\n\n  return country;\n}\n\nfunction readStringArray(\n  value: Record<string, unknown> | undefined,\n  key: string,\n): string[] {\n  const item = value?.[key];\n\n  return Array.isArray(item)\n    ? item.filter((entry): entry is string => typeof entry === 'string')\n    : [];\n}\n\nfunction mapStripeConnectAccount(\n  account: Record<string, unknown> | undefined,\n  context: string,\n): StripeConnectAccountStatus {\n  const accountId = readProviderString(account, 'id')?.trim();\n\n  if (!account || !accountId || !STRIPE_CONNECTED_ACCOUNT_ID.test(accountId)) {\n    throw new PaymentProviderError(`${context} did not include an account id.`);\n  }\n\n  const capabilities: Record<string, string> = {};\n\n  for (const [name, state] of Object.entries(\n    readObject(account, 'capabilities') ?? {},\n  )) {\n    if (typeof state === 'string') {\n      capabilities[name] = state;\n    }\n  }\n\n  const requirements = readObject(account, 'requirements');\n  const disabledReason = normalizeOptionalProviderString(\n    readProviderString(requirements, 'disabled_reason'),\n  );\n  const defaultCurrency = readProviderString(account, 'default_currency');\n\n  return {\n    accountId,\n    type: normalizeOptionalProviderString(readProviderString(account, 'type')),\n    chargesEnabled: account.charges_enabled === true,\n    detailsSubmitted: account.details_submitted === true,\n    payoutsEnabled: account.payouts_enabled === true,\n    capabilities,\n    requirements: {\n      currentlyDue: readStringArray(requirements, 'currently_due'),\n      eventuallyDue: readStringArray(requirements, 'eventually_due'),\n      pastDue: readStringArray(requirements, 'past_due'),\n      ...(disabledReason === undefined ? {} : { disabledReason }),\n    },\n    country: normalizeOptionalProviderString(\n      readProviderString(account, 'country'),\n    ),\n    defaultCurrency: defaultCurrency?.toUpperCase(),\n    raw: account,\n  };\n}\n\nfunction mapStripeApplicationFee(\n  fee: Record<string, unknown> | undefined,\n): StripeApplicationFee {\n  const id = normalizeOptionalProviderString(readProviderString(fee, 'id'));\n\n  if (!fee || !id) {\n    throw new PaymentProviderError(\n      'Stripe application_fee webhook object did not include an id.',\n    );\n  }\n\n  const account = normalizeOptionalProviderString(\n    readProviderString(fee, 'account'),\n  );\n\n  if (account !== undefined && !STRIPE_CONNECTED_ACCOUNT_ID.test(account)) {\n    throw new PaymentProviderError(\n      'Stripe application_fee webhook object has an invalid account id.',\n    );\n  }\n  const livemode = fee.livemode;\n\n  return {\n    id,\n    account,\n    amount: readSafeInteger(fee, 'amount'),\n    amountRefunded: readSafeInteger(fee, 'amount_refunded'),\n    currency: readStripeResultCurrency(fee),\n    refunded: fee.refunded === true,\n    charge: normalizeOptionalProviderString(\n      readProviderString(fee, 'charge') ??\n        readProviderString(readObject(fee, 'charge'), 'id'),\n    ),\n    livemode: typeof livemode === 'boolean' ? livemode : undefined,\n    raw: fee,\n  };\n}\n\nconst STRIPE_DISPUTE_STATUSES: ReadonlySet<string> = new Set([\n  'warning_needs_response',\n  'warning_under_review',\n  'warning_closed',\n  'needs_response',\n  'under_review',\n  'won',\n  'lost',\n  'prevented',\n]);\n\nfunction readStripeDisputeEventType(type: string): StripeDisputeEventType {\n  switch (type) {\n    case 'charge.dispute.created':\n    case 'charge.dispute.updated':\n    case 'charge.dispute.closed':\n    case 'charge.dispute.funds_withdrawn':\n    case 'charge.dispute.funds_reinstated':\n      return type;\n    default:\n      throw new PaymentProviderError('Unsupported Stripe dispute event type.');\n  }\n}\n\nfunction disputeError(field: string): never {\n  throw new PaymentProviderError(\n    `Stripe dispute has invalid or missing ${field}.`,\n  );\n}\n\nfunction disputeRecord(value: unknown, field: string): Record<string, unknown> {\n  if (!value || typeof value !== 'object' || Array.isArray(value))\n    return disputeError(field);\n  return value as Record<string, unknown>;\n}\n\nfunction disputeString(value: unknown, field: string): string {\n  if (typeof value !== 'string' || !value.trim() || value !== value.trim())\n    return disputeError(field);\n  return value;\n}\n\nfunction disputeId(value: unknown, prefix: string): string {\n  const id = disputeString(\n    typeof value === 'object' && value !== null\n      ? disputeRecord(value, prefix).id\n      : value,\n    prefix,\n  );\n  // Charge IDs include non-card py_ identities; legacy disputes can use dp_.\n  const prefixes =\n    prefix === 'ch' ? '(?:ch|py)' : prefix === 'du' ? '(?:du|dp)' : prefix;\n  if (!new RegExp(`^${prefixes}_[A-Za-z0-9_]+$`).test(id))\n    return disputeError(prefix);\n  return id;\n}\n\nfunction disputeInteger(value: unknown, field: string): number {\n  if (typeof value !== 'number' || !Number.isSafeInteger(value))\n    return disputeError(field);\n  return value;\n}\n\nfunction disputeDate(value: unknown): Date {\n  const seconds = disputeInteger(value, 'created');\n  const date = new Date(seconds * 1000);\n  if (\n    seconds < 0 ||\n    !Number.isSafeInteger(seconds * 1000) ||\n    !Number.isFinite(date.getTime())\n  )\n    return disputeError('created');\n  return date;\n}\n\nfunction disputeCurrency(value: unknown): string {\n  if (typeof value !== 'string' || !/^[a-z]{3}$/.test(value))\n    return disputeError('currency');\n  return value.toUpperCase();\n}\n\nfunction mapStripeDispute(value: unknown, account?: string): StripeDispute {\n  const object = disputeRecord(value, 'object');\n  if (object.object !== 'dispute') return disputeError('object');\n  const id = disputeId(object.id, 'du');\n  const chargeId = disputeId(object.charge, 'ch');\n  const expandedCharge =\n    typeof object.charge === 'object'\n      ? disputeRecord(object.charge, 'charge')\n      : undefined;\n  const paymentIntent = object.payment_intent ?? expandedCharge?.payment_intent;\n  const paymentIntentId =\n    paymentIntent == null ? undefined : disputeId(paymentIntent, 'pi');\n  if (\n    object.payment_intent != null &&\n    expandedCharge?.payment_intent != null &&\n    paymentIntentId !== disputeId(expandedCharge.payment_intent, 'pi')\n  )\n    return disputeError('payment_intent');\n  const amount = disputeInteger(object.amount, 'amount');\n  if (amount < 0) return disputeError('amount');\n  const currency = disputeCurrency(object.currency);\n  const providerStatus = disputeString(object.status, 'status');\n  const status: PaymentDisputeStatus = STRIPE_DISPUTE_STATUSES.has(\n    providerStatus,\n  )\n    ? (providerStatus as PaymentDisputeStatus)\n    : 'unknown';\n  if (typeof object.livemode !== 'boolean') return disputeError('livemode');\n  // Stripe objects normally omit account; when supplied it must agree with the\n  // authenticated scope, never replace it with a payload-provided account.\n  if (object.account !== undefined && object.account !== account)\n    return disputeError('account');\n  if (\n    expandedCharge?.livemode !== undefined &&\n    expandedCharge.livemode !== object.livemode\n  )\n    return disputeError('charge.livemode');\n  if (!Array.isArray(object.balance_transactions))\n    return disputeError('balance_transactions');\n  const ids = new Set<string>();\n  const balanceTransactions = object.balance_transactions.map(\n    (value: unknown) => {\n      const transaction = disputeRecord(value, 'balance_transaction');\n      if (transaction.object !== 'balance_transaction')\n        return disputeError('balance_transaction.object');\n      const id = disputeId(transaction.id, 'txn');\n      if (ids.has(id)) return disputeError('duplicate balance_transaction');\n      ids.add(id);\n      const amount = disputeInteger(\n        transaction.amount,\n        'balance_transaction.amount',\n      );\n      const fee = disputeInteger(transaction.fee, 'balance_transaction.fee');\n      const net = disputeInteger(transaction.net, 'balance_transaction.net');\n      if (!Number.isSafeInteger(amount - fee) || amount - fee !== net)\n        return disputeError('balance_transaction.net');\n      return {\n        id,\n        amount,\n        fee,\n        net,\n        currency: disputeCurrency(transaction.currency),\n        createdAt: disputeDate(transaction.created),\n        type: disputeString(transaction.type, 'balance_transaction.type'),\n        reportingCategory:\n          transaction.reporting_category === undefined\n            ? undefined\n            : disputeString(\n                transaction.reporting_category,\n                'balance_transaction.reporting_category',\n              ),\n      };\n    },\n  );\n  return {\n    id,\n    chargeId,\n    paymentIntentId,\n    amount,\n    currency,\n    status,\n    providerStatus,\n    livemode: object.livemode,\n    createdAt: disputeDate(object.created),\n    balanceTransactions,\n    ...(account === undefined ? {} : { account }),\n    raw: object,\n  };\n}\n\nfunction mapStripeConnectEventDetail(\n  type: string,\n  object: Record<string, unknown> | undefined,\n): StripeConnectEventDetail | undefined {\n  if (type === 'account.updated') {\n    return {\n      type,\n      account: mapStripeConnectAccount(\n        object,\n        'Stripe account.updated webhook object',\n      ),\n    };\n  }\n\n  if (\n    type === 'application_fee.created' ||\n    type === 'application_fee.refunded'\n  ) {\n    return { type, applicationFee: mapStripeApplicationFee(object) };\n  }\n\n  return undefined;\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' ? 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package/dist/types.d.ts

@@ -97,6 +97,39 @@ export interface WatchPaymentInput {
 export interface PaymentEvent extends PaymentStatusResult {
     event: 'status' | 'confirmed' | 'failed' | 'expired' | 'refunded' | 'timeout';
 }
+/** Provider lifecycle state; unknown values never imply settlement or money movement. */
+export type PaymentDisputeStatus = 'warning_needs_response' | 'warning_under_review' | 'warning_closed' | 'needs_response' | 'under_review' | 'won' | 'lost' | 'prevented' | 'unknown';
+/** Actual provider balance evidence, not a posting instruction. */
+export interface PaymentDisputeBalanceTransaction {
+    id: string;
+    /** Signed integer minor units in this transaction's currency. */
+    amount: number;
+    /** Signed integer minor units in this transaction's currency. */
+    fee: number;
+    /** Signed integer minor units; amount minus fee. */
+    net: number;
+    currency: string;
+    createdAt: Date;
+    /** Provider value, retained without assigning accounting semantics. */
+    type: string;
+    reportingCategory?: string;
+}
+/** Read-only dispute snapshot. Consumers own routing, ledger, retries and ordering. */
+export interface PaymentDispute {
+    id: string;
+    chargeId: string;
+    paymentIntentId?: string;
+    /** Non-negative safe integer minor units in currency. */
+    amount: number;
+    currency: string;
+    status: PaymentDisputeStatus;
+    /** Original status; quarantine unknown statuses before business decisions. */
+    providerStatus: string;
+    livemode: boolean;
+    createdAt: Date;
+    /** Complete validated evidence; [] means no balance transactions reported. */
+    balanceTransactions: PaymentDisputeBalanceTransaction[];
+}
 export interface PaymentWebhookEvent {
     id?: string;
     deliveryId?: string;
@@ -106,6 +139,8 @@ export interface PaymentWebhookEvent {
     status: PaymentStatus;
     providerPaymentId?: string;
     duplicate?: boolean;
+    /** Typed dispute evidence when supported by the provider. */
+    dispute?: PaymentDispute;
     raw: unknown;
 }
 export interface VerifyX402ProofInput {

package/dist/types.d.ts.map

@@ -1 +1 @@
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package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@happyvertical/payments",
-  "version": "0.106.1",
+  "version": "0.107.0",
   "description": "Payment backend abstraction with adapters for Base USDC, BTCPay Server, and Stripe",
   "type": "module",
   "main": "./dist/index.js",