@happyvertical/payments 0.74.11 → 0.76.0

package/README.md

@@ -31,11 +31,63 @@ import { StripeAdapter } from '@happyvertical/payments/stripe';
 - `BtcAdapter`: BTCPay Server invoice, polling/webhook status, tiered
   confirmation policy, and unsigned PSBT payout creation.
 - `StripeAdapter`: Stripe Checkout URL settlement, webhook verification,
-  refunds, and Stripe Connect transfers.
+  refunds, Stripe Connect transfers, saved payment methods / card-on-file
+  (`createSetupSession` / `getSetupResult`), and the manual-capture card
+  lifecycle (`authorizePayment` / `capturePayment` / `voidPayment`).
 
 The package does not depend on SMRT or a database. Consumers own quote
 persistence, webhook routing, and operational policy.
 
+### Save a card (setup) → charge later
+
+```ts
+const setup = await stripe.createSetupSession({
+  customerEmail: advertiser.email, // or providerCustomerId for an existing customer
+  successUrl,
+  cancelUrl,
+});
+redirect(setup.url); // buyer saves their card on Stripe's hosted page
+
+// on return, read the reusable references to persist:
+const saved = await stripe.getSetupResult({ sessionId: setup.sessionId });
+if (saved.status === 'complete') {
+  // both refs are guaranteed present when complete; persist them (never `raw`,
+  // which may contain PII). Charge later via authorizePayment (see below /
+  // the manual-capture adapter).
+  persist({ cus: saved.providerCustomerId, pm: saved.providerPaymentMethodId,
+            brand: saved.brand, last4: saved.last4 });
+}
+// status: 'pending' (still processing), 'failed' (declined — stop polling),
+// 'expired' (session lapsed). A setup-mode Checkout webhook is only a
+// "go call getSetupResult" trigger, not the save outcome itself.
+```
+
+### Manual capture (authorize → capture / void)
+
+Charge a saved card later — e.g. hold at approval, capture on fulfillment:
+
+```ts
+const auth = await stripe.authorizePayment({
+  amount: 5000, // minor units
+  currency: 'CAD',
+  providerPaymentMethodId: saved.providerPaymentMethodId, // pm_...
+  providerCustomerId: saved.providerCustomerId, // cus_... — REQUIRED for a saved card
+  quoteId: campaign.id, // stamp your id so capture/void webhooks are correlatable
+  // offSession defaults to true (buyer absent). An off-session step-up throws
+  // `authentication_required`; re-prompt on-session (offSession: false) to recover.
+});
+if (auth.status !== 'requires_capture') {
+  // 'succeeded' means already captured (don't capture again); else declined.
+}
+await stripe.capturePayment({ providerPaymentId: auth.providerPaymentId, idempotencyKey });
+// or, to release the hold:
+await stripe.voidPayment({ providerPaymentId: auth.providerPaymentId, idempotencyKey });
+```
+
+Common footguns: omitting `providerCustomerId` for a customer-attached (saved)
+card 400s at charge time; omitting `quoteId` leaves the intent's
+capture/void/fail webhooks un-correlatable (`processing`, no `quoteId`).
+
 Public payment amounts follow Stripe's convention: `amount` is an integer in
 the smallest currency unit, paired with a `currency` code. For example,
 `{ amount: 1234, currency: 'USD' }` means USD 12.34. Crypto settlement uses the

package/dist/adapters/stripe.d.ts

@@ -1,5 +1,5 @@
 import { FetchLike } from '../shared.js';
-import { CreatePaymentOptionInput, PaymentBackend, PaymentBackendCapabilities, PaymentEvent, PaymentOption, PaymentStatus, PaymentStatusContext, PaymentStatusResult, PaymentWebhookEvent, PayoutResult, RefundPaymentInput, RefundResult, SendPayoutInput, WatchPaymentInput } from '../types.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';
 export declare const STRIPE_BACKEND_ID = "stripe";
 export interface StripeAdapterOptions {
     secretKey: string;
@@ -45,6 +45,11 @@ export declare class StripeAdapter implements PaymentBackend {
     getStatus(quoteId: string, payTo: string, context?: PaymentStatusContext): Promise<PaymentStatusResult>;
     sendPayout(input: SendPayoutInput): Promise<PayoutResult>;
     refundPayment(input: RefundPaymentInput): Promise<RefundResult>;
+    authorizePayment(input: AuthorizePaymentInput): Promise<AuthorizationResult>;
+    capturePayment(input: CapturePaymentInput): Promise<CaptureResult>;
+    voidPayment(input: VoidPaymentInput): Promise<VoidResult>;
+    createSetupSession(input: CreateSetupSessionInput): Promise<SetupSession>;
+    getSetupResult(input: GetSetupResultInput): Promise<SavedPaymentMethod>;
     parseWebhookEvent(payload: string, signature?: string): StripeWebhookEvent;
     private stripeRequest;
     private assertSupportedCurrency;

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

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

@@ -1,6 +1,6 @@
 import { createHmac, timingSafeEqual } from "node:crypto";
 import { P as PaymentConfigurationError, b as PaymentProviderError, d as PaymentVerificationError } from "../chunks/errors-BgFC46qQ.js";
-import { g as getFetch, a as normalizeMaxStoredPaymentOptions, b as normalizeUrlString, n as normalizeNonEmptyString, o as normalizePositivePaymentAmount, h as normalizeDate, t as formEncode, r as rememberPaymentOption, p as pollPaymentStatus, i as normalizeMinorUnitAmount, j as readJsonResponse, s as applyExpiryToPendingStatus } from "../chunks/shared-DGHSqDQT.js";
+import { g as getFetch, a as normalizeMaxStoredPaymentOptions, b as normalizeUrlString, n as normalizeNonEmptyString, o as normalizePositivePaymentAmount, h as normalizeDate, t as formEncode, r as rememberPaymentOption, p as pollPaymentStatus, i as normalizeMinorUnitAmount, e as normalizePositiveMinorUnitAmount, j as readJsonResponse, s as applyExpiryToPendingStatus } from "../chunks/shared-DGHSqDQT.js";
 const STRIPE_BACKEND_ID = "stripe";
 const STRIPE_CHECKOUT_MIN_EXPIRY_MS = 30 * 60 * 1e3;
 const STRIPE_CHECKOUT_MAX_EXPIRY_MS = 24 * 60 * 60 * 1e3;
@@ -86,6 +86,8 @@ class StripeAdapter {
       supportsRefunds: true,
       supportsPayouts: true,
       supportsWebhooks: true,
+      supportsManualCapture: true,
+      supportsSavedPaymentMethods: true,
       metadata: {
         provider: "stripe"
       }
@@ -341,6 +343,239 @@ class StripeAdapter {
       raw: refund
     };
   }
+  async authorizePayment(input) {
+    const currency = normalizeStripeCurrency(input.currency);
+    this.assertSupportedCurrency(currency);
+    const amount = normalizePositivePaymentAmount(
+      input.amount,
+      currency,
+      "Stripe authorize amount"
+    );
+    const paymentMethod = normalizeNonEmptyString(
+      input.providerPaymentMethodId,
+      "Stripe authorize providerPaymentMethodId"
+    );
+    const providerCustomerId = input.providerCustomerId === void 0 ? void 0 : normalizeNonEmptyString(
+      input.providerCustomerId,
+      "Stripe authorize providerCustomerId"
+    );
+    const quoteId = input.quoteId === void 0 ? void 0 : normalizeNonEmptyString(input.quoteId, "Stripe authorize quoteId");
+    const intent = await this.stripeRequest(
+      "/payment_intents",
+      {
+        method: "POST",
+        idempotencyKey: input.idempotencyKey,
+        body: formEncode({
+          amount,
+          currency,
+          confirm: true,
+          "payment_method_types[]": "card",
+          description: input.description,
+          ...Object.fromEntries([
+            ["payment_method", paymentMethod],
+            ["capture_method", "manual"],
+            // Off-session (merchant-initiated) by default — the primary use is
+            // charging a saved card while the buyer is absent. Without this,
+            // Stripe treats it as on-session and may raise an SCA challenge the
+            // absent buyer can't complete, so the hold is never placed.
+            ["off_session", input.offSession ?? true]
+          ]),
+          ...providerCustomerId === void 0 ? {} : { customer: providerCustomerId },
+          ...flattenStripeMetadata(input.metadata),
+          ...quoteId === void 0 ? {} : { "metadata[quoteId]": quoteId }
+        })
+      }
+    );
+    const providerPaymentId = normalizeOptionalProviderString(
+      readProviderString(intent, "id")
+    );
+    if (!providerPaymentId) {
+      throw new PaymentProviderError(
+        "Stripe PaymentIntent response did not include an id."
+      );
+    }
+    const status = mapStripeAuthorizationStatus(readString(intent, "status"));
+    const actionRequired = status === "requires_action";
+    return {
+      backendId: this.capabilities.id,
+      status,
+      providerPaymentId,
+      amount: readSafeInteger(intent, "amount") ?? amount,
+      currency: (readString(intent, "currency") ?? currency).toUpperCase(),
+      clientSecret: actionRequired ? normalizeOptionalProviderString(
+        readProviderString(intent, "client_secret")
+      ) : void 0,
+      nextAction: actionRequired ? intent.next_action ?? void 0 : void 0,
+      raw: intent
+    };
+  }
+  async capturePayment(input) {
+    const providerPaymentId = normalizeNonEmptyString(
+      input.providerPaymentId,
+      "Stripe capture providerPaymentId"
+    );
+    const amount = input.amount === void 0 ? void 0 : normalizePositiveMinorUnitAmount(
+      input.amount,
+      "Stripe capture amount"
+    );
+    const intent = await this.stripeRequest(
+      `/payment_intents/${encodeURIComponent(providerPaymentId)}/capture`,
+      {
+        method: "POST",
+        idempotencyKey: input.idempotencyKey,
+        body: formEncode({
+          ...Object.fromEntries([["amount_to_capture", amount]]),
+          ...flattenStripeMetadata(input.metadata)
+        })
+      }
+    );
+    return {
+      backendId: this.capabilities.id,
+      status: mapStripeCaptureStatus(readString(intent, "status")),
+      providerPaymentId: normalizeOptionalProviderString(readProviderString(intent, "id")) ?? providerPaymentId,
+      amount: readSafeInteger(intent, "amount_received") ?? readSafeInteger(intent, "amount") ?? amount,
+      currency: readStripeResultCurrency(intent),
+      raw: intent
+    };
+  }
+  async voidPayment(input) {
+    const providerPaymentId = normalizeNonEmptyString(
+      input.providerPaymentId,
+      "Stripe void providerPaymentId"
+    );
+    const reason = input.reason === void 0 ? void 0 : normalizeNonEmptyString(input.reason, "Stripe void reason");
+    const intent = await this.stripeRequest(
+      `/payment_intents/${encodeURIComponent(providerPaymentId)}/cancel`,
+      {
+        method: "POST",
+        idempotencyKey: input.idempotencyKey,
+        body: formEncode(Object.fromEntries([["cancellation_reason", reason]]))
+      }
+    );
+    return {
+      backendId: this.capabilities.id,
+      status: mapStripeVoidStatus(readString(intent, "status")),
+      providerPaymentId: normalizeOptionalProviderString(readProviderString(intent, "id")) ?? providerPaymentId,
+      amount: readSafeInteger(intent, "amount"),
+      currency: readStripeResultCurrency(intent),
+      raw: intent
+    };
+  }
+  async createSetupSession(input) {
+    const rawSuccessUrl = input.successUrl ?? this.options.successUrl;
+    const rawCancelUrl = input.cancelUrl ?? this.options.cancelUrl;
+    if (rawSuccessUrl === void 0 || rawCancelUrl === void 0) {
+      throw new PaymentConfigurationError(
+        "StripeAdapter createSetupSession requires successUrl and cancelUrl."
+      );
+    }
+    const successUrl = normalizeUrlString(rawSuccessUrl, "Stripe successUrl");
+    const cancelUrl = normalizeUrlString(rawCancelUrl, "Stripe cancelUrl");
+    const currency = normalizeStripeCurrency(
+      input.currency ?? this.defaultCurrency
+    );
+    this.assertSupportedCurrency(currency);
+    const providerCustomerId = input.providerCustomerId === void 0 ? void 0 : normalizeNonEmptyString(
+      input.providerCustomerId,
+      "Stripe setup customer"
+    );
+    const customerParams = [];
+    if (providerCustomerId !== void 0) {
+      customerParams.push(["customer", providerCustomerId]);
+    } else {
+      customerParams.push(["customer_creation", "always"]);
+      if (input.customerEmail !== void 0) {
+        customerParams.push([
+          "customer_email",
+          normalizeNonEmptyString(
+            input.customerEmail,
+            "Stripe setup customerEmail"
+          )
+        ]);
+      }
+    }
+    const params = {
+      mode: "setup",
+      currency,
+      // Restrict to cards: SavedPaymentMethod exposes card display fields
+      // (brand/last4/expiry), so allowing SEPA/Bacs/etc. would yield saved
+      // methods with no usable display detail.
+      "payment_method_types[]": "card",
+      ...Object.fromEntries([
+        ["success_url", successUrl],
+        ["cancel_url", cancelUrl],
+        ...customerParams
+      ]),
+      ...flattenStripeMetadata(input.metadata)
+    };
+    const session = await this.stripeRequest(
+      "/checkout/sessions",
+      {
+        method: "POST",
+        idempotencyKey: input.idempotencyKey,
+        body: formEncode(params)
+      }
+    );
+    const sessionId = normalizeOptionalProviderString(
+      readProviderString(session, "id")
+    );
+    const url = normalizeOptionalProviderString(
+      readProviderString(session, "url")
+    );
+    if (!sessionId || !url) {
+      throw new PaymentProviderError(
+        "Stripe setup Checkout Session response did not include id and url."
+      );
+    }
+    return {
+      backendId: this.capabilities.id,
+      sessionId,
+      url,
+      providerCustomerId: providerCustomerId ?? normalizeOptionalProviderString(
+        readProviderString(session, "customer")
+      ),
+      raw: session
+    };
+  }
+  async getSetupResult(input) {
+    const sessionId = normalizeNonEmptyString(
+      input.sessionId,
+      "Stripe setup sessionId"
+    );
+    const query = new URLSearchParams();
+    query.append("expand[]", "setup_intent.payment_method");
+    const session = await this.stripeRequest(
+      `/checkout/sessions/${encodeURIComponent(sessionId)}?${query.toString()}`
+    );
+    const setupIntent = readObject(session, "setup_intent");
+    const paymentMethod = readObject(setupIntent, "payment_method");
+    const card = readObject(paymentMethod, "card");
+    const providerCustomerId = normalizeOptionalProviderString(
+      readProviderString(session, "customer") ?? readProviderString(readObject(session, "customer"), "id")
+    );
+    const providerPaymentMethodId = normalizeOptionalProviderString(
+      readProviderString(paymentMethod, "id")
+    );
+    let status = mapStripeSetupStatus(
+      readString(session, "status"),
+      readString(setupIntent, "status")
+    );
+    if (status === "complete" && (!providerCustomerId || !providerPaymentMethodId)) {
+      status = "pending";
+    }
+    return {
+      backendId: this.capabilities.id,
+      status,
+      providerCustomerId,
+      providerPaymentMethodId,
+      type: readString(paymentMethod, "type"),
+      brand: readString(card, "brand"),
+      last4: readString(card, "last4"),
+      expMonth: readSafeInteger(card, "exp_month"),
+      expYear: readSafeInteger(card, "exp_year"),
+      raw: session
+    };
+  }
   parseWebhookEvent(payload, signature) {
     if (!this.webhookSecret) {
       throw new PaymentConfigurationError(
@@ -379,7 +614,12 @@ class StripeAdapter {
       type,
       status: mapStripeWebhookStatus(type, data),
       quoteId: normalizeOptionalWebhookString(
-        readString(data, "client_reference_id") ?? readString(
+        // `client_reference_id` is a Checkout Session-only field; honor it only
+        // for session events so a non-session object (a PaymentIntent / Charge /
+        // Transfer, possibly from a malicious Connect account) can't spoof
+        // correlation to another quote's id. Non-session events correlate only
+        // via our own `metadata.quoteId`.
+        (type.startsWith("checkout.session.") ? readString(data, "client_reference_id") : void 0) ?? readString(
           data?.metadata ?? {},
           "quoteId"
         )
@@ -625,12 +865,27 @@ function mapStripeWebhookStatus(type, object) {
   if (type === "checkout.session.expired") {
     return "expired";
   }
-  if (type?.includes("failed")) {
-    return "failed";
+  if (type === "payment_intent.succeeded" || type === "payment_intent.canceled" || type === "payment_intent.payment_failed") {
+    const metadata = object?.metadata ?? {};
+    const owned = normalizeOptionalWebhookString(readString(metadata, "quoteId")) !== void 0;
+    if (owned) {
+      if (type === "payment_intent.succeeded") {
+        return "confirmed";
+      }
+      if (type === "payment_intent.canceled" && readString(object, "cancellation_reason") === "automatic") {
+        return "expired";
+      }
+      return "failed";
+    }
+    return "processing";
   }
-  if (type?.includes("refunded")) {
+  const isPaymentInEvent = type?.startsWith("checkout.session.") === true || type?.startsWith("payment_intent.") === true || type?.startsWith("charge.") === true;
+  if (isPaymentInEvent && type?.includes("refunded")) {
     return "refunded";
   }
+  if (isPaymentInEvent && type?.includes("failed")) {
+    return "failed";
+  }
   return "processing";
 }
 function mapStripeRefundStatus(status) {
@@ -646,6 +901,58 @@ function mapStripeRefundStatus(status) {
       return "submitted";
   }
 }
+function mapStripeAuthorizationStatus(status) {
+  switch (status) {
+    case "requires_capture":
+      return "requires_capture";
+    case "succeeded":
+      return "succeeded";
+    case "requires_action":
+      return "requires_action";
+    case "processing":
+      return "processing";
+    default:
+      return "failed";
+  }
+}
+function mapStripeCaptureStatus(status) {
+  switch (status) {
+    case "succeeded":
+      return "succeeded";
+    // Capturing an authorized intent shouldn't re-enter authentication; treat
+    // any in-flight/action state as still processing rather than a failure.
+    case "processing":
+    case "requires_action":
+      return "processing";
+    default:
+      return "failed";
+  }
+}
+function mapStripeVoidStatus(status) {
+  return status === "canceled" ? "canceled" : "failed";
+}
+function readStripeResultCurrency(value) {
+  const currency = readString(value, "currency");
+  return currency === void 0 ? void 0 : currency.toUpperCase();
+}
+function mapStripeSetupStatus(sessionStatus, setupIntentStatus) {
+  if (sessionStatus === "expired") {
+    return "expired";
+  }
+  if (sessionStatus === "complete") {
+    if (setupIntentStatus === "succeeded") {
+      return "complete";
+    }
+    if (setupIntentStatus === "canceled" || setupIntentStatus === "requires_payment_method") {
+      return "failed";
+    }
+  }
+  return "pending";
+}
+function readObject(value, key) {
+  const item = value?.[key];
+  return item && typeof item === "object" && !Array.isArray(item) ? item : void 0;
+}
 function extractStripeSessionId(payTo) {
   if (/^cs_(test_|live_)?[A-Za-z0-9_]+$/.test(payTo)) {
     return payTo;

package/dist/adapters/stripe.js.map

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

@@ -18,6 +18,18 @@ export interface PaymentBackendCapabilities {
     supportsRefunds: boolean;
     supportsPayouts: boolean;
     supportsWebhooks: boolean;
+    /**
+     * Whether the backend supports the manual-capture card lifecycle
+     * (`authorizePayment` → `capturePayment` / `voidPayment`). Card processors
+     * such as Stripe set this; settlement-only rails (crypto) leave it unset.
+     */
+    supportsManualCapture?: boolean;
+    /**
+     * Whether the backend can save a reusable payment method (card on file)
+     * via `createSetupSession` / `getSetupResult`. Card processors such as
+     * Stripe set this; settlement-only rails (crypto) leave it unset.
+     */
+    supportsSavedPaymentMethods?: boolean;
     metadata?: Record<string, unknown>;
 }
 export interface CreatePaymentOptionInput {
@@ -160,6 +172,175 @@ export interface RefundResult {
     currency?: string;
     raw?: unknown;
 }
+export interface AuthorizePaymentInput {
+    /** Amount to authorize, in the currency's smallest unit (e.g. cents). */
+    amount: number;
+    /** Currency (ISO 4217). Must be in the backend's configured supported set. */
+    currency: string;
+    /**
+     * Provider payment-method reference to charge (e.g. a Stripe `pm_...` id) —
+     * the `providerPaymentMethodId` a saved-card / setup flow returns.
+     */
+    providerPaymentMethodId: string;
+    /**
+     * Provider customer reference (e.g. a Stripe `cus_...` id). Required when the
+     * payment method is attached to a customer — which a saved card always is, so
+     * this is required for the save-card → charge flow — or the provider rejects
+     * the charge. Optional only for a one-off, unattached payment method.
+     */
+    providerCustomerId?: string;
+    description?: string;
+    /**
+     * Whether the customer is absent — an off-session, merchant-initiated charge
+     * (e.g. charging a saved card at approval time). Defaults to `true`, the
+     * primary use of this method. Set `false` for on-session authorizations where
+     * the buyer is present to complete any authentication challenge.
+     *
+     * Note: off-session, an issuer step-up surfaces as a thrown error
+     * (`authentication_required`), NOT a `requires_action` result — the absent
+     * buyer can't authenticate, so the caller must re-prompt on-session.
+     * `requires_action` (with `clientSecret`/`nextAction`) only occurs when
+     * `offSession` is `false`.
+     */
+    offSession?: boolean;
+    /**
+     * Optional caller reference, surfaced to the provider as metadata. Also
+     * correlates this intent's capture/void/fail webhooks: without it, those
+     * PaymentIntent events surface as `processing` (non-terminal) rather than
+     * `confirmed`/`failed`, since they can't be attributed.
+     */
+    quoteId?: string;
+    idempotencyKey?: string;
+    metadata?: Record<string, string | number | boolean | null | undefined>;
+}
+export interface AuthorizationResult {
+    backendId: string;
+    /**
+     * `requires_capture` on a successful hold (the normal manual-capture result).
+     * `succeeded` means the intent was already captured (an auto-capture backend/
+     * config) — treat it as captured, do NOT then call `capturePayment`.
+     * `requires_action` (on-session only — see `AuthorizePaymentInput.offSession`)
+     * needs the buyer to complete authentication via `clientSecret`/`nextAction`.
+     * `processing` is an async authorization still in flight; `failed` is a
+     * declined/unusable intent.
+     */
+    status: 'requires_capture' | 'requires_action' | 'processing' | 'succeeded' | 'failed';
+    /** Provider id of the authorized payment, needed to capture or void it. */
+    providerPaymentId?: string;
+    amount?: number;
+    currency?: string;
+    /**
+     * Client secret to complete authentication when `status` is
+     * `requires_action` (e.g. 3-D Secure). The buyer's client uses it to finish
+     * the challenge, after which the intent moves to `requires_capture`.
+     */
+    clientSecret?: string;
+    /**
+     * Provider-specific next-action payload when `status` is `requires_action`
+     * (e.g. the redirect/challenge details). Present only when action is needed.
+     */
+    nextAction?: unknown;
+    raw?: unknown;
+}
+export interface CapturePaymentInput {
+    /** Provider id returned by `authorizePayment`. */
+    providerPaymentId: string;
+    /** Partial capture amount in the smallest unit; omit to capture in full. */
+    amount?: number;
+    idempotencyKey?: string;
+    metadata?: Record<string, string | number | boolean | null | undefined>;
+}
+export interface CaptureResult {
+    backendId: string;
+    status: 'succeeded' | 'processing' | 'failed';
+    providerPaymentId?: string;
+    amount?: number;
+    currency?: string;
+    raw?: unknown;
+}
+export interface VoidPaymentInput {
+    /** Provider id returned by `authorizePayment`. */
+    providerPaymentId: string;
+    idempotencyKey?: string;
+    /**
+     * Optional cancellation reason. Constrained to the provider's accepted set —
+     * Stripe rejects any other value, which would fail the cancel and leave the
+     * authorization hold in place.
+     */
+    reason?: 'duplicate' | 'fraudulent' | 'requested_by_customer' | 'abandoned';
+}
+export interface VoidResult {
+    backendId: string;
+    status: 'canceled' | 'failed';
+    providerPaymentId?: string;
+    amount?: number;
+    currency?: string;
+    raw?: unknown;
+}
+export interface CreateSetupSessionInput {
+    /**
+     * Settlement currency for the setup session. Stripe requires a currency for
+     * setup-mode Checkout Sessions; defaults to the backend's configured
+     * currency when omitted.
+     */
+    currency?: string;
+    /** Where Stripe returns the buyer after saving the card. */
+    successUrl?: string;
+    cancelUrl?: string;
+    /** Prefill / create the customer by email (ignored if providerCustomerId is set). */
+    customerEmail?: string;
+    /** Attach the saved method to an existing provider customer (e.g. cus_...). */
+    providerCustomerId?: string;
+    idempotencyKey?: string;
+    metadata?: Record<string, string | number | boolean | null | undefined>;
+}
+export interface SetupSession {
+    backendId: string;
+    /** Provider session id (e.g. a Stripe Checkout Session cs_...). */
+    sessionId: string;
+    /** Hosted URL the buyer completes to save their card. */
+    url: string;
+    /**
+     * Provider customer id — present only when one was supplied on input. For the
+     * email / auto-create path the customer is created when the buyer completes
+     * the flow, so this is typically `undefined` here; read it from
+     * {@link getSetupResult} after completion instead.
+     */
+    providerCustomerId?: string;
+    raw?: unknown;
+}
+export interface GetSetupResultInput {
+    /** The `sessionId` returned by createSetupSession. */
+    sessionId: string;
+}
+export interface SavedPaymentMethod {
+    backendId: string;
+    /**
+     * `complete` only when the method is actually reusable — the setup succeeded
+     * AND both reusable references are present. `pending` while still in progress,
+     * `failed` on a declined/canceled setup (terminal — stop polling), `expired`
+     * when the session lapsed.
+     */
+    status: 'complete' | 'pending' | 'failed' | 'expired';
+    /**
+     * Reusable references to persist — never card data. Both are guaranteed
+     * present whenever `status === 'complete'`.
+     */
+    providerCustomerId?: string;
+    providerPaymentMethodId?: string;
+    /** Non-sensitive display fields. */
+    type?: string;
+    brand?: string;
+    last4?: string;
+    expMonth?: number;
+    expYear?: number;
+    /**
+     * Full, untrimmed provider object for inspection. May contain PII (e.g. a
+     * Checkout Session's `customer_details`) — persist the typed reference/display
+     * fields above, not `raw`.
+     */
+    raw?: unknown;
+}
 export interface PaymentBackend {
     readonly capabilities: PaymentBackendCapabilities;
     createPaymentOption(input: CreatePaymentOptionInput): Promise<PaymentOption>;
@@ -168,6 +349,33 @@ export interface PaymentBackend {
     verifyX402Proof?(input: VerifyX402ProofInput): Promise<X402VerificationResult>;
     sendPayout(input: SendPayoutInput): Promise<PayoutResult>;
     refundPayment?(input: RefundPaymentInput): Promise<RefundResult>;
+    /**
+     * Authorize (place a hold on) funds without capturing them, returning an
+     * uncaptured payment that can later be captured or voided. Card-processor
+     * backends implement this; settlement-only rails do not.
+     */
+    authorizePayment?(input: AuthorizePaymentInput): Promise<AuthorizationResult>;
+    /**
+     * Capture a previously authorized payment — in full, or a partial `amount`.
+     */
+    capturePayment?(input: CapturePaymentInput): Promise<CaptureResult>;
+    /**
+     * Void (cancel) an authorized-but-uncaptured payment. No funds move.
+     */
+    voidPayment?(input: VoidPaymentInput): Promise<VoidResult>;
+    /**
+     * Start a hosted flow to save a reusable payment method (card on file)
+     * without charging. Returns a redirect URL the buyer completes; the saved
+     * method is then read back with {@link getSetupResult}. Card-processor
+     * backends implement this; settlement-only rails do not.
+     */
+    createSetupSession?(input: CreateSetupSessionInput): Promise<SetupSession>;
+    /**
+     * Read the outcome of a {@link createSetupSession} flow — the saved
+     * payment-method + customer references and non-sensitive card display
+     * fields (brand / last4 / expiry). Never returns raw card data.
+     */
+    getSetupResult?(input: GetSetupResultInput): Promise<SavedPaymentMethod>;
     parseWebhookEvent?(payload: string, signature?: string): PaymentWebhookEvent;
 }
 export type PaymentBackendFactory<TOptions> = (options: TOptions) => PaymentBackend | Promise<PaymentBackend>;

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package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@happyvertical/payments",
-  "version": "0.74.11",
+  "version": "0.76.0",
   "description": "Payment backend abstraction with adapters for Base USDC, BTCPay Server, and Stripe",
   "type": "module",
   "main": "./dist/index.js",