@happyvertical/smrt-commerce 0.51.32 → 0.51.34

package/AGENTS.md

@@ -100,6 +100,23 @@ for usage.
   `WRITTEN_OFF` (a later payment is recorded; the status stays).
 - **`Invoice.providerTaxAmount`** is added to line-item tax; it is
   server-managed (not API-writable). `toAccountingInput()` emits major units.
+- **Payment rails (#3138).** A runtime has one issuing `provider` and any
+  number of `paymentProviders` (unique names, one inbox namespace each; a
+  provider with `capabilities.issuesInvoices === false` can never issue).
+  `observe()` resolves the provider from the delivery namespace, never the
+  payload. Crypto rails implement the port over `@happyvertical/payments`'
+  `CryptoCheckoutGateway`; never call BTCPay (or any gateway) from here.
+  Settlement is decided by the pure `decideAttempt()` from gateway state and
+  `paymentPolicy` — the gateway's `settled` is authoritative and nothing here
+  counts confirmations. A `BillingPaymentAttempt` (`(provider, checkout_id)`
+  deterministic id) records every state and settles once; grants and payments
+  are keyed by checkout id. Invoice payments close the issuer's invoice out of
+  band in `observe()` (idempotent) before `project()` records the payment, and
+  `settlePaidInvoice` skips (records nothing for) a `paidOutOfBand` invoice
+  the rail latched with `outOfBandRequestedAt`; other out-of-band closes are
+  recorded as `OTHER` payments. Rails never save cards or charge tax: a taxed
+  credit purchase on a rail needs an explicit `automaticTax: false`. Exceptions are flags for operators;
+  nothing reverses or refunds automatically.
 - **Known limits**: write-offs post no bad-debt journal (AR stays until paid
   or journaled by an operator); discounts still reach Stripe as negative lines (the SDK's
   line `discount` would change the lines a replayed push reconciles, so it

package/README.md

@@ -373,6 +373,94 @@ const evaluator = await SpendingPolicyEvaluator.create({
   `automaticTax: false` to keep them untaxed), and Stripe customers are
   created idempotently.
 
+### Payment rails: BTC and other crypto (#3138)
+
+A seller runtime can take payments on more than one **rail**. The issuing
+`provider` (Stripe) still issues, taxes, and emails every invoice; extra rails
+in `paymentProviders` let a payer choose, per payment, to pay an invoice or buy
+prepaid credit another way. The crypto rail runs short-lived, fiat-priced
+checkouts through `@happyvertical/payments`' provider-neutral
+`CryptoCheckoutGateway` — BTCPay Server at launch — so another gateway can
+replace BTCPay without changing this package or its consumers.
+
+```ts
+import {
+  BillingRuntime,
+  createBtcPayBillingProvider,
+  createStripeBillingProvider,
+} from '@happyvertical/smrt-commerce';
+
+const btcpay = createBtcPayBillingProvider({
+  baseUrl, apiKey, storeId,        // one BTCPay store per seller entity
+  webhookSecret, metadataSecret,   // from the host's secret store, by name
+  speedPolicy: 'LowMediumSpeed',   // settle after 2 confirmations (BTCPay offers 0/1/2/6)
+  rateSource: 'kraken',
+  minimumAmount: { CAD: 500, USD: 500 },
+});
+const billing = await BillingRuntime.create({
+  db, sellerTenantId, kind: 'provider',
+  provider: createStripeBillingProvider({ stripe, webhookSecret }),
+  paymentProviders: [btcpay],
+  paymentPolicy: { latePaymentPolicy: 'review', refundBasis: 'original_native' },
+  billingRelationships,
+  ledger: { ...ledger, cryptoHoldingsAccountId, fxGainLossAccountId, feesAccountId },
+});
+
+// Prepaid credit or an issued invoice, paid with BTC:
+await billing.createCreditCheckout({ ...purchase, provider: 'btcpay' });
+await billing.createInvoicePayment({ invoiceId, provider: 'btcpay', purchaseId, successUrl, cancelUrl });
+
+// Webhook route for the rail (BTCPay signs with its own header):
+await billing.acceptWebhook(rawBody, '', { provider: 'btcpay', headers: request.headers });
+await billing.processEvents();
+```
+
+- **Settlement is the gateway's.** Credit is granted and invoices are paid
+  only when the gateway reports `settled` under its own confirmation policy;
+  this package never counts confirmations. BTCPay offers 0, 1, 2 or 6
+  confirmations; the default is `LowMediumSpeed` (2 confirmations).
+- **Payment attempts.** Every rail checkout is a `BillingPaymentAttempt`
+  recording the locked fiat price, fiat and native amounts received, rate and
+  rate source, each payment's txid, rail and fee, a timeline of status changes,
+  and what settlement produced. `listPaymentAttempts()` feeds "payment
+  confirming" displays and operator queues; `refreshPaymentAttempts()` is the
+  polling fallback for missed webhooks.
+- **Dunning pauses** for an invoice while a payment for it is confirming
+  (0-conf seen); if the payment then expires or is invalidated the payer's
+  standing is re-applied.
+- **Invoices paid on a rail** are closed at the issuer with
+  `markInvoicePaidOutOfBand` (Stripe `paid_out_of_band`), so Stripe stops
+  collecting; Stripe's own `paid` event then records nothing more.
+  `createInvoicePayment` refuses when the issuing provider cannot do that.
+- **Exceptions never auto-refund.** Underpaid, overpaid, late, manually marked
+  (at the gateway), invalidated-after-settlement, and paid-twice attempts are
+  flagged for an operator (`resolvePaymentAttempt`). Per-seller
+  `paymentPolicy` sets under/overpayment tolerances (basis points), late
+  payments (`review` | `accept`), manually marked checkouts, hold vs convert
+  (`conversionHandler`), and the refund basis.
+- **Ledger.** Receipts are booked at the locked fiat amount into
+  `cryptoHoldingsAccountId` (default `cashAccountId`); money received above
+  the price is booked as customer credit (prepaid-credit liability).
+  `recordManualRefund()` refunds from that excess first, then from purchased
+  credit (or an invoice payment kept as credit because the invoice was paid
+  elsewhere) — capped cumulatively, once per reference; an invoice payment
+  applied to its invoice is reversed at the issuer, not here.
+  `recordCryptoConversion()` posts a conversion with FX gain/loss.
+- **Upgrading.** Additive schema: `_smrt_billing_payment_attempts` (run
+  `smrt db:migrate`). A runtime without `paymentProviders` never reads it.
+- **One live payment per invoice.** The issuer's own `paid` event for an
+  invoice a rail closed out of band records nothing (the rail records it); an
+  out-of-band close made by someone else (wire, cheque) is recorded as an
+  `OTHER`-method payment; a real card payment made while a rail payment
+  confirms is recorded and the rail money is flagged `invoice_already_paid`.
+  An issuer close whose rail payment never settles is flagged
+  `out_of_band_without_settlement`: reopen the invoice at the issuer, then
+  `resolvePaymentAttempt()` it, after which a later out-of-band close is
+  recorded normally.
+- **Entities.** Each legal entity is its own seller runtime with its own
+  store, keys, and ledger. Inter-entity resale is ordinary reseller billing
+  between two sellers, payable on any rail the selling entity offers.
+
 See [`AGENTS.md`](./AGENTS.md#billing-period-close-3060) for invariants and
 known limits.
 

package/dist/__tests__/foreign-key-fixtures.d.ts

@@ -0,0 +1,13 @@
+interface CommerceForeignKeyFixtures {
+    db: {
+        type: 'sqlite';
+        url: string;
+    };
+    customerIds?: string[];
+    vendorIds?: string[];
+    contractIds?: string[];
+}
+/** Seed only the real same-package parents referenced by a test scenario. */
+export declare function seedCommerceForeignKeyFixtures({ db, customerIds, vendorIds, contractIds, }: CommerceForeignKeyFixtures): Promise<void>;
+export {};
+//# sourceMappingURL=foreign-key-fixtures.d.ts.map

package/dist/__tests__/foreign-key-fixtures.d.ts.map

@@ -0,0 +1 @@
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package/dist/__tests__/helpers/anchor-fixture.d.ts

@@ -0,0 +1,36 @@
+/**
+ * Helpers for billing-cycle anchor tests (#3116), shared by the SQLite suite
+ * and the PostgreSQL lane. Scenarios run at fixed future dates with no usage
+ * charges, so only flat plans are billed.
+ */
+import type { TenantSubscription } from '@happyvertical/smrt-subscriptions';
+import type { BillingRuntime } from '../../billing/runtime.js';
+import { type BillingLineSource } from '../../models/billing.js';
+import { type BillingWorld } from './billing-fixture.js';
+export declare const at: (iso: string) => Date;
+export declare const DAY = 86400000;
+export declare function subscriptionOf(world: BillingWorld, tenantId: string): Promise<TenantSubscription>;
+export declare function updateSubscription(world: BillingWorld, tenantId: string, patch: Partial<Pick<TenantSubscription, 'startedAt' | 'canceledAt' | 'trialEndsAt' | 'status'>>): Promise<TenantSubscription>;
+/** Put SITE (billed to NETWORK) out of the way so NETWORK has nothing due. */
+export declare function parkNetwork(world: BillingWorld): Promise<void>;
+/** Subscribe another tenant to the provider's site plan, billed to NETWORK. */
+export declare function addNetworkSite(world: BillingWorld, tenantId: string, startedAt: Date): Promise<TenantSubscription>;
+/** A payer's invoices from the provider runtime, oldest period first. */
+export declare function invoicesOf(world: BillingWorld, payer: string, runtime?: BillingRuntime): Promise<import("../../index.js").Invoice[]>;
+export declare function flatClaims(world: BillingWorld, subscriptionId?: string): Promise<BillingLineSource[]>;
+/** Claimed windows as ISO pairs with amounts, in time order. */
+export declare function claimedWindows(world: BillingWorld, subscriptionId: string): Promise<Array<[string, string, number]>>;
+/** Assert that no two flat claims of one subscription cover the same time. */
+export declare function overlappingClaims(world: BillingWorld): Promise<string[]>;
+/**
+ * Hold a runtime's first flat-plan claim insert for `lineKey` until
+ * `release()`: `reached` resolves once the claim has read the existing
+ * coverage and is about to insert, so a test can interleave a second worker
+ * deterministically.
+ */
+export declare function holdFlatClaim(runtime: BillingRuntime, lineKey: string): {
+    reached: Promise<void>;
+    release: () => void;
+    restore: () => void;
+};
+//# sourceMappingURL=anchor-fixture.d.ts.map

package/dist/__tests__/helpers/anchor-fixture.d.ts.map

@@ -0,0 +1 @@
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package/dist/__tests__/helpers/billing-fixture.d.ts

@@ -0,0 +1,51 @@
+/**
+ * A small reseller world for billing-period close tests (#3060), shared by
+ * the SQLite suite and the PostgreSQL lane.
+ *
+ * PROVIDER sells to NETWORK (a reseller that pays for SITE's usage and plan)
+ * and to SOLO (billed for itself). NETWORK resells to SITE (retail usage) and
+ * to SITE2 (NETWORK's own flat plan).
+ */
+import type { DatabaseInterface } from '@happyvertical/smrt-core/migrations';
+import { BillingAdjustmentCollection, ClientChargeCollection, CommercialUsageService, ResellerBillingService, SubscriptionPlanCollection, TenantSubscriptionCollection } from '@happyvertical/smrt-subscriptions';
+import { BillingRelationshipService } from '@happyvertical/smrt-tenancy';
+import { type BillingLedgerAccounts, BillingRuntime, type PayerStandingChange } from '../../billing/runtime.js';
+import { FakeStripe } from './fake-stripe.js';
+export declare const PROVIDER = "00000000-0000-4000-8000-00000000000a";
+export declare const NETWORK = "aaaaaaaa-1111-4111-8111-aaaaaaaaaaaa";
+export declare const SITE = "cccccccc-3333-4333-8333-cccccccccccc";
+export declare const SITE2 = "eeeeeeee-5555-4555-8555-eeeeeeeeeeee";
+export declare const SOLO = "dddddddd-4444-4444-8444-dddddddddddd";
+export declare const STRANGER = "ffffffff-6666-4666-8666-ffffffffffff";
+/** The current UTC calendar month, closable by passing `now: periodEnd + 1d`. */
+export declare function currentMonth(): {
+    periodStart: Date;
+    periodEnd: Date;
+    now: Date;
+};
+export declare function nextMonth(period: {
+    periodEnd: Date;
+}): {
+    periodStart: Date;
+    periodEnd: Date;
+    now: Date;
+};
+export interface BillingWorld {
+    db: DatabaseInterface;
+    stripe: FakeStripe;
+    provider: BillingRuntime;
+    reseller: BillingRuntime;
+    commercial: CommercialUsageService;
+    relationships: BillingRelationshipService;
+    resellerBilling: ResellerBillingService;
+    ledger: BillingLedgerAccounts;
+    standingChanges: PayerStandingChange[];
+    subscriptions: TenantSubscriptionCollection;
+    plans: SubscriptionPlanCollection;
+    charges: ClientChargeCollection;
+    adjustments: BillingAdjustmentCollection;
+    /** Record and rate one usage event (10 tokens) for a tenant. */
+    usage(tenantId: string, quantity?: number): Promise<void>;
+}
+export declare function createBillingWorld(db: DatabaseInterface): Promise<BillingWorld>;
+//# sourceMappingURL=billing-fixture.d.ts.map

package/dist/__tests__/helpers/billing-fixture.d.ts.map

@@ -0,0 +1 @@
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package/dist/__tests__/helpers/consumer-license-sale.d.ts

@@ -0,0 +1,13 @@
+import { type SmrtObject } from '@happyvertical/smrt-core';
+export declare const CONSUMER_PACKAGE = "@fixture/market-core";
+export declare function defineConsumerLicenseSale(): Promise<{
+    ctor: typeof SmrtObject;
+    dispose: () => void;
+}>;
+/**
+ * Each `LicenseSale` keeps its own identity and table, the schema planner
+ * keeps commerce's `contracts` free of the consumer's class, and commerce's
+ * `LicenseSale` still round-trips through its own table.
+ */
+export declare function assertLicenseSalesCoexist(consumer: typeof SmrtObject): Promise<void>;
+//# sourceMappingURL=consumer-license-sale.d.ts.map

package/dist/__tests__/helpers/consumer-license-sale.d.ts.map

@@ -0,0 +1 @@
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package/dist/__tests__/helpers/crypto-rail.d.ts

@@ -0,0 +1,69 @@
+/**
+ * A crypto payment rail world for #3138: the billing fixture's Stripe
+ * issuing provider plus an in-memory `CryptoCheckoutGateway`, wired into one
+ * seller runtime. Shared by the SQLite suite and the PostgreSQL lane.
+ */
+import { type CreateCryptoCheckoutInput, type CryptoCheckout, type CryptoCheckoutException, type CryptoCheckoutGateway, type CryptoCheckoutPayment, type CryptoCheckoutStatus } from '@happyvertical/payments';
+import type { DatabaseInterface } from '@happyvertical/smrt-core/migrations';
+import type { BillingPaymentPolicy } from '../../billing/payment-attempts.js';
+import type { BillingProvider } from '../../billing/provider.js';
+import { type BillingLedgerAccounts, BillingRuntime } from '../../billing/runtime.js';
+import { type BillingWorld } from './billing-fixture.js';
+export declare const RAIL_METADATA_SECRET = "rail-metadata-secret";
+export declare const RAIL_SIGNATURE = "fake-rail-ok";
+interface FakeCheckout {
+    id: string;
+    orderId: string;
+    amount: number;
+    currency: string;
+    metadata: Record<string, string>;
+    status: CryptoCheckoutStatus;
+    exception: CryptoCheckoutException;
+    amountPaid: number;
+    payments: CryptoCheckoutPayment[];
+    owned: boolean;
+    /** Settlement asset override (default BTC). */
+    asset?: string;
+}
+/** An in-memory gateway: tests move checkouts through their states. */
+export declare class FakeCryptoGateway implements CryptoCheckoutGateway {
+    readonly id = "btcpay";
+    readonly checkouts: Map<string, FakeCheckout>;
+    created: number;
+    private counter;
+    createCheckout(input: CreateCryptoCheckoutInput): Promise<CryptoCheckout>;
+    getCheckout(checkoutId: string): Promise<CryptoCheckout>;
+    listCheckouts(input: {
+        orderId: string;
+    }): Promise<CryptoCheckout[]>;
+    verifyWebhook(rawBody: string, headers: Headers | Record<string, string | undefined>): {
+        eventId: string;
+        checkoutId: string | null;
+        type: string;
+        redelivery: boolean;
+    };
+    /** Move a checkout: `paid` is fiat minor units received. */
+    set(checkoutId: string, status: CryptoCheckoutStatus, options?: {
+        exception?: CryptoCheckoutException;
+        paid?: number;
+        paymentStatus?: CryptoCheckoutPayment['status'];
+    }): void;
+    private view;
+}
+export interface RailWorld extends BillingWorld {
+    gateway: FakeCryptoGateway;
+    rail: BillingProvider;
+    runtime: BillingRuntime;
+    railLedger: BillingLedgerAccounts;
+    /** Provider invoice ids closed as paid out of band. */
+    outOfBand: string[];
+    /** Deliver a signed rail webhook for a checkout and process events. */
+    railEvent(checkoutId: string, eventId?: string): Promise<void>;
+}
+export declare function createRailWorld(db: DatabaseInterface, options?: {
+    paymentPolicy?: Partial<BillingPaymentPolicy>;
+    /** Give Stripe the out-of-band method (default true). */
+    outOfBand?: boolean;
+}): Promise<RailWorld>;
+export {};
+//# sourceMappingURL=crypto-rail.d.ts.map

package/dist/__tests__/helpers/crypto-rail.d.ts.map

@@ -0,0 +1 @@
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package/dist/__tests__/helpers/fake-stripe.d.ts

@@ -0,0 +1,147 @@
+import type { StripeAccountingProvider } from '@happyvertical/accounting';
+export declare const WEBHOOK_SECRET = "whsec_test_billing";
+interface FakeCustomer {
+    id: string;
+    created: number;
+    name?: string;
+    email?: string;
+    address?: Record<string, string>;
+    tax_exempt?: string;
+    default_payment_method?: string;
+    metadata: Record<string, string>;
+}
+interface FakeInvoiceItem {
+    id: string;
+    customer: string;
+    currency: string;
+    quantity: number;
+    unit_amount: number;
+    description: string;
+    invoice: string | null;
+    metadata: Record<string, string>;
+}
+interface FakeInvoice {
+    id: string;
+    customer: string;
+    currency: string;
+    status: 'draft' | 'open' | 'paid' | 'void' | 'uncollectible';
+    collection_method: 'send_invoice' | 'charge_automatically';
+    auto_advance: boolean;
+    finalized: number;
+    due_date: number | null;
+    created: number;
+    automatic_tax: boolean;
+    items: string[];
+    subtotal: number;
+    tax: number;
+    total: number;
+    amount_paid: number;
+    amount_remaining: number;
+    metadata: Record<string, string>;
+    sent: number;
+    paid_out_of_band?: boolean;
+}
+interface FakeSession {
+    id: string;
+    url: string;
+    mode: string;
+    currency: string | null;
+    amount_subtotal: number | null;
+    amount_tax: number;
+    amount_total: number | null;
+    customer: string | null;
+    status: 'open' | 'complete' | 'expired';
+    payment_status: 'paid' | 'unpaid' | 'no_payment_required';
+    automatic_tax: boolean;
+    customer_update_address: boolean;
+    billing_address_collection: string | null;
+    setup_future_usage: string | null;
+    payment_method: string | null;
+    metadata: Record<string, string>;
+}
+/** How a saved payment method answers an off-session charge. */
+export type FakeCardBehavior = 'succeed' | 'processing' | 'decline' | 'authentication_required';
+interface FakePaymentIntent {
+    id: string;
+    object: 'payment_intent';
+    created: number;
+    amount: number;
+    currency: string;
+    customer: string;
+    payment_method: string;
+    status: string;
+    last_payment_error: Record<string, string> | null;
+    metadata: Record<string, string>;
+}
+export declare class FakeStripe {
+    readonly customers: Map<string, FakeCustomer>;
+    readonly invoiceItems: Map<string, FakeInvoiceItem>;
+    readonly invoices: Map<string, FakeInvoice>;
+    readonly sessions: Map<string, FakeSession>;
+    readonly paymentIntents: Map<string, FakePaymentIntent>;
+    /** False while Stripe's search index lags behind writes. */
+    searchable: boolean;
+    /** Behavior of each saved payment method (default `succeed`). */
+    readonly cards: Map<string, FakeCardBehavior>;
+    readonly subscriptions: Map<string, Record<string, unknown>>;
+    readonly requests: Array<{
+        method: string;
+        path: string;
+        key?: string;
+    }>;
+    private readonly idempotent;
+    private failures;
+    private counter;
+    private nextId;
+    /** Make the next matching request(s) fail. */
+    fail(method: string, path: RegExp, when?: 'before' | 'after', times?: number): void;
+    provider(): Promise<StripeAccountingProvider>;
+    readonly fetch: (input: string | URL | Request, init?: RequestInit) => Promise<Response>;
+    private route;
+    private applyCustomer;
+    private recalculate;
+    private customerView;
+    private sessionView;
+    private view;
+    /** Customer pays an open invoice in full. */
+    pay(invoiceId: string): void;
+    /**
+     * Stripe's automatic collection of a finalized `charge_automatically`
+     * invoice: charges the customer's default card. Returns the outcome.
+     */
+    collect(invoiceId: string): 'paid' | 'failed';
+    /**
+     * The customer finishes a checkout: a payment session is paid with tax
+     * from the collected (or customer) address; a setup session saves
+     * `paymentMethod`. A collected address is saved to the customer when the
+     * session asked to.
+     */
+    completeSession(sessionId: string, options?: {
+        paymentMethod?: string;
+        address?: Record<string, string>;
+    }): FakeSession;
+    private createPaymentIntent;
+    /** A processing PaymentIntent settles (Stripe then sends its event). */
+    settlePaymentIntent(intentId: string, status: 'succeeded' | 'failed'): FakePaymentIntent;
+    setInvoiceStatus(invoiceId: string, status: FakeInvoice['status']): void;
+    lineItemsOf(invoiceId: string): FakeInvoiceItem[];
+}
+/** A signed Stripe webhook delivery for `event`. */
+export declare function signedEvent(event: Record<string, unknown>): {
+    payload: string;
+    signature: string;
+};
+export declare function invoiceEvent(type: string, invoiceId: string): Record<string, unknown>;
+export declare function checkoutEvent(session: {
+    id: string;
+    mode?: string;
+    currency: string | null;
+    amount_subtotal: number | null;
+    amount_total?: number | null;
+    metadata: Record<string, string>;
+}, paymentStatus?: string, type?: string): Record<string, unknown>;
+/** A `payment_intent.*` event for a PaymentIntent the fake holds. */
+export declare function paymentIntentEvent(type: string, intent: Record<string, unknown>): Record<string, unknown>;
+export declare function subscriptionEvent(type: string, subscriptionId: string): Record<string, unknown>;
+export {};
+//# sourceMappingURL=fake-stripe.d.ts.map

package/dist/__tests__/helpers/fake-stripe.d.ts.map

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package/dist/billing/btcpay.d.ts

@@ -0,0 +1,40 @@
+/**
+ * BTCPay Server as a crypto payment rail (#3138): sugar over
+ * {@link createCryptoBillingProvider} with the SDK's BTCPay checkout gateway.
+ * One BTCPay store per seller; keys and secrets come from the host's secret
+ * store, never from this package.
+ */
+import { type BtcpayClientOptions, type BtcpaySpeedPolicy } from '@happyvertical/payments/btcpay';
+import type { BillingProvider } from './provider.js';
+export interface BtcPayBillingProviderOptions {
+    /** Server origin, for example `https://btcpay.example.com`. */
+    baseUrl: string;
+    /** Store-scoped key: `canviewinvoices` + `cancreateinvoice` suffice. */
+    apiKey: string;
+    storeId: string;
+    /** The store webhook's secret. */
+    webhookSecret: string;
+    /** Secret signing the `smrt_*` checkout metadata. */
+    metadataSecret: string;
+    /**
+     * Confirmations before BTCPay settles on-chain: `HighSpeed` 0,
+     * `MediumSpeed` 1, `LowMediumSpeed` 2 (default, the owner's settlement
+     * policy), `LowSpeed` 6.
+     */
+    speedPolicy?: BtcpaySpeedPolicy;
+    /** Default `['BTC-CHAIN']`; add `BTC-LN` once the store has Lightning. */
+    paymentMethods?: string[];
+    expirationMinutes?: number;
+    monitoringMinutes?: number;
+    /** BTCPay's own underpayment tolerance, percent (default 0). */
+    paymentTolerance?: number;
+    /** Label of the store's rate source, recorded on every payment. */
+    rateSource?: string;
+    /** Minimum checkout per currency, minor units. */
+    minimumAmount?: Record<string, number>;
+    /** Provider name (default `btcpay`). */
+    name?: string;
+    fetch?: BtcpayClientOptions['fetch'];
+}
+export declare function createBtcPayBillingProvider(options: BtcPayBillingProviderOptions): BillingProvider;
+//# sourceMappingURL=btcpay.d.ts.map

package/dist/billing/btcpay.d.ts.map

@@ -0,0 +1 @@
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package/dist/billing/cards.d.ts

@@ -1,7 +1,17 @@
-import { DatabaseInterface } from '@happyvertical/smrt-core/migrations';
-import { BillingAccount } from '../models/billing.js';
-import { BillingProviderCheckoutSession, BillingProviderCheckoutState } from './provider.js';
-import { BillingRuntime } from './runtime.js';
+/**
+ * Card on file (#3139): a provider checkout that saves a payment method
+ * without charging, and the settlement that makes it the payer's default.
+ *
+ * A completed setup (or a credit purchase that saved its card) is applied
+ * from the provider's checkout event: `observe()` re-reads the session and
+ * makes the saved method the provider customer's default; `project()`
+ * records it as the payer customer's default commerce `PaymentInstrument`
+ * and adopts the billing address collected at checkout as the tax location.
+ */
+import type { DatabaseInterface } from '@happyvertical/smrt-core/migrations';
+import type { BillingAccount } from '../models/billing.js';
+import type { BillingProviderCheckoutSession, BillingProviderCheckoutState } from './provider.js';
+import type { BillingRuntime } from './runtime.js';
 export declare const CARD_SETUP_PURPOSE = "card_setup";
 /** Checkout metadata flag: the session saves its payment method. */
 export declare const SAVE_CARD_METADATA = "smrt_save_card";

package/dist/billing/credits.d.ts

@@ -1,5 +1,5 @@
-import { BillingProviderCheckoutSession } from './provider.js';
-import { BillingRuntime } from './runtime.js';
+import { type BillingProviderCheckoutSession } from './provider.js';
+import type { BillingRuntime } from './runtime.js';
 export declare const CREDIT_PURCHASE_PURPOSE = "credit_purchase";
 export interface CreateCreditCheckoutInput {
     /** The `period: 'balance'` spending policy to credit. */
@@ -27,6 +27,11 @@ export interface CreateCreditCheckoutInput {
      * automatically charged invoices (#3139).
      */
     savePaymentMethod?: boolean;
+    /**
+     * The payment rail to pay with (a provider name from the runtime's
+     * `provider` or `paymentProviders`; default the issuing provider, #3138).
+     */
+    provider?: string;
 }
 /** The checkout metadata a completed purchase is settled from. */
 export interface CreditPurchaseMetadata {

package/dist/billing/credits.d.ts.map

@@ -1 +1 @@
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+{"version":3,"file":"credits.d.ts","sourceRoot":"","sources":["../../src/billing/credits.ts"],"names":[],"mappings":"AAkBA,OAAO,EACL,KAAK,8BAA8B,EAEpC,MAAM,eAAe,CAAC;AACvB,OAAO,KAAK,EAAE,cAAc,EAAE,MAAM,cAAc,CAAC;AAQnD,eAAO,MAAM,uBAAuB,oBAAoB,CAAC;AAEzD,MAAM,WAAW,yBAAyB;IACxC,yDAAyD;IACzD,gBAAgB,EAAE,MAAM,CAAC;IACzB,oEAAoE;IACpE,MAAM,EAAE,MAAM,CAAC;IACf,UAAU,EAAE,MAAM,CAAC;IACnB,SAAS,EAAE,MAAM,CAAC;IAClB;;;OAGG;IACH,UAAU,EAAE,MAAM,CAAC;IACnB,4DAA4D;IAC5D,WAAW,CAAC,EAAE,MAAM,CAAC;IACrB;;;;;OAKG;IACH,YAAY,CAAC,EAAE,OAAO,CAAC;IACvB;;;OAGG;IACH,iBAAiB,CAAC,EAAE,OAAO,CAAC;IAC5B;;;OAGG;IACH,QAAQ,CAAC,EAAE,MAAM,CAAC;CACnB;AAED,kEAAkE;AAClE,MAAM,WAAW,sBAAsB;IACrC,OAAO,EAAE,MAAM,CAAC;IAChB,cAAc,EAAE,MAAM,CAAC;IACvB,aAAa,EAAE,MAAM,CAAC;IACtB,gBAAgB,EAAE,MAAM,CAAC;IACzB,gBAAgB,EAAE,MAAM,CAAC;IACzB,iBAAiB,EAAE,MAAM,CAAC;IAC1B,MAAM,EAAE,MAAM,CAAC;IACf,QAAQ,EAAE,MAAM,CAAC;CAClB;AAuBD,uEAAuE;AACvE,wBAAgB,cAAc,CAC5B,GAAG,EAAE,MAAM,CAAC,MAAM,EAAE,MAAM,CAAC,GAC1B,sBAAsB,GAAG,IAAI,CAwB/B;AAED,wBAAsB,oBAAoB,CACxC,OAAO,EAAE,cAAc,EACvB,KAAK,EAAE,yBAAyB,GAC/B,OAAO,CAAC,8BAA8B,CAAC,CAwHzC"}

package/dist/billing/crypto.d.ts

@@ -0,0 +1,32 @@
+/**
+ * A crypto payment rail for the {@link BillingProvider} port (#3138).
+ *
+ * The rail runs short-lived, fiat-priced checkouts through a
+ * `CryptoCheckoutGateway` from `@happyvertical/payments` — BTCPay at launch,
+ * any other implementation of the port later. It never issues invoices: the
+ * runtime's issuing provider (Stripe) does, and this rail pays them or buys
+ * prepaid credit. Settlement is the gateway's decision (its confirmation
+ * policy); this package never counts confirmations.
+ */
+import { type CryptoCheckoutGateway } from '@happyvertical/payments';
+import { type BillingProvider } from './provider.js';
+export interface CryptoBillingProviderOptions {
+    /** A checkout gateway, for example `createBtcpayCheckoutGateway()`. */
+    gateway: CryptoCheckoutGateway;
+    /**
+     * Secret the `smrt_*` checkout metadata is signed with. Rotating it
+     * strands checkouts created before the rotation.
+     */
+    metadataSecret: string;
+    /** Provider name on local rows and in the inbox (default the gateway id). */
+    name?: string;
+    /**
+     * Smallest checkout accepted, per currency, in minor units (fee and dust
+     * economics). A currency without an entry has no minimum.
+     */
+    minimumAmount?: Record<string, number>;
+}
+export declare function createCryptoBillingProvider(options: CryptoBillingProviderOptions): BillingProvider;
+/** Exact decimal string → integer atomic units; rejects excess precision. */
+export declare function decimalToAtomic(value: string, exponent: number): number;
+//# sourceMappingURL=crypto.d.ts.map

package/dist/billing/crypto.d.ts.map

@@ -0,0 +1 @@
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