@owlmeans/server-payment 0.1.18-rc.11 → 0.1.18-rc.12

package/README.md

@@ -130,7 +130,7 @@ This package ships embedded agent skills under `agent-meta/`. After installing y
 your project's skill store (`.agents/skills/`):
 
 ```sh
-npx @owlmeans/agent-skills@^0.1.18-rc.28
+npx @owlmeans/agent-skills@^0.1.18-rc.29
 ```
 
 The embedded files are version-matched to this package release. Do not edit them

package/agent-meta/manifest.json

@@ -1,8 +1,8 @@
 {
   "schemaVersion": 2,
   "package": "@owlmeans/server-payment",
-  "version": "0.1.18-rc.11",
-  "generatedAt": "2026-09-16T17:32:31.941Z",
+  "version": "0.1.18-rc.12",
+  "generatedAt": "2026-09-18T19:03:53.989Z",
   "canonicalRepo": "https://github.com/owlmeans/common",
   "entries": [
     {

package/agent-meta/skills/server-payment/SKILL.md

@@ -7,7 +7,7 @@ user-invocable: false
 
 # @owlmeans/server-payment
 
-**Install:** `bun add @owlmeans/server-payment@^0.1.18-rc.11`
+**Install:** `bun add @owlmeans/server-payment@^0.1.18-rc.12`
 
 Public MIT package. It embeds Stripe into an application backend and owns everything between
 Stripe and an entity's entitlements: the subscription store, one-time fulfillments, the usage
@@ -22,6 +22,10 @@ the `entitlements` skill.
 ```typescript
 stripeSecrets(cfg, { api: '/secrets/stripe-key' })     // webhook secret: optional override
 portalBranding(cfg, { returnUrl: 'https://app.example.com/billing', headline: 'Example' })
+declarePaymentPricing(cfg, {                           // absent entirely: today's fixed behaviour, unchanged
+  tax: { automatic: true, behavior: TaxBehavior.Exclusive, collectTaxId: true, estimate: true },
+  currency: { adaptive: true, estimate: true },
+})
 declarePaymentProduct(cfg, { sku: 'app-plans', type: ProductType.Service, services: ['app'], name: 'Plans' })
 declarePaymentPlan(cfg, { productSku: 'app-plans', sku: 'free', rank: 0, free: true, price: 0, … })
 declarePaymentPlan(cfg, { productSku: 'app-plans', sku: 'pro-monthly', rank: 10, price: 20,
@@ -82,19 +86,49 @@ does not know as a string, and the collection validator rejects it.
 
 ## Checkout and fulfillment
 
-- `Amount`: one inline `price_data` item for the synchronized product, quantity 1, tax-exclusive,
-  no promotion codes; the net `amountMinor` and the grossed-up `chargeAmountMinor` travel in the
-  session metadata. `Quantity`: the reusable price under the plan lookup key, adjustable quantity.
-  Subscription: `planSku` (else the product's first recurring plan), quantity 1.
+- `Amount`: one inline `price_data` item for the synchronized product, quantity 1, its `tax_behavior`
+  the declared `PricingPolicy.tax.behavior` (default `'exclusive'`), no promotion codes; the net
+  `amountMinor` and the grossed-up `chargeAmountMinor` travel in the session metadata. `Quantity`:
+  the reusable price under the plan lookup key, adjustable quantity. Subscription: `planSku` (else
+  the product's first recurring plan), quantity 1.
 - A plan the paygate does not sell — a free plan, another gateway's plan — is refused
-  (`ProductError`). Every session enables automatic tax, billing address and tax id collection.
+  (`ProductError`). `checkoutOptions(policy, promotions)` puts automatic tax, billing address
+  collection, tax-id collection and Adaptive Pricing (`adaptive_pricing`) on the session, each
+  independently, exactly as `PricingPolicy` declares them — an undeclared policy reproduces the
+  fixed pre-policy session (automatic tax + tax-id collection on, no Adaptive Pricing).
 - `checkout.session.completed` and `…async_payment_succeeded` fulfill only a `payment`-mode session
   with `payment_status === 'paid'`; an amount session must match its metadata currency and subtotal.
+  Adaptive Pricing never disturbs this: Session/webhook amounts stay in the integration currency
+  (USD here) whatever currency the buyer paid in.
 - A pending `payment-fulfillment` row (with `paymentIntentId` and `invoiceId`) is written before
   observers run; `fulfilledAt` is stamped after they succeed. An observer throw escapes so Stripe
   redelivers, and the observer must stay idempotent by `externalId` — a crash after its side effect
   and before the stamp redelivers the same session.
 
+## Price sync and the tax estimate
+
+- `syncStripeProducts` gives a matching, still-`unspecified` price the declared `tax.behavior` IN
+  PLACE (`prices.update`; Stripe forbids changing a price already `exclusive`/`inclusive`) and a
+  fresh one on creation; a price already carrying the OPPOSITE behavior is deactivated and replaced,
+  the same as any other catalogue mismatch. Before an in-place update it checks the account's own
+  tax-settings default (`stripe.tax.settings.retrieve`) and skips the update — logging why — when
+  that default would make the price behave the other way for existing renewals, unless
+  `declarePaymentPricing({ stripe: { migrateUnspecifiedPrices: true } })` opts in. The behavior is
+  part of the sync fingerprint, so declaring or changing it re-syncs every product exactly once.
+- `GatewayService.estimatePrice(ctx, { entityId, productSku, planSku?, country? })` (`estimatePrice`
+  in `plugins/estimate.ts`) is a Stripe Tax calculation (plus, with `currency.estimate` and
+  `currency.adaptive` both on, an FX Quotes lookup) for one product/plan's reference amount, at a
+  billing country the request names or the entity's paygate customer's. **$0.05 per distinct**
+  (currency, country, amount, tax code, behavior, matching tax ids) **combination** — cached per
+  gateway-service instance (never module-level: several instances in one process, as in tests, must
+  never share hits) for 24h; a rate-limit or connection error is never cached. Its status
+  (`TaxEstimateStatus`) covers a resolved rate, EU/GB reverse charge (a saved tax id whose OWN
+  country matches the one being estimated), no tax, "compute at checkout" (an unsupported
+  jurisdiction, or an invalid-request error such as a US address with no postal code), and
+  "choose a country" (neither the request nor the customer names one — zero Stripe calls). The FX
+  Quotes call is a Stripe PREVIEW endpoint (`STRIPE_FX_QUOTES_API_VERSION`, `stripe.rawRequest`),
+  and its failure only drops the estimate's `local` field, never the tax half.
+
 ## The subscription store
 
 - **The effective plan** is the highest-ranked row in `ENTITLING_STATUSES` (catalogue rank; the
@@ -183,7 +217,9 @@ and logged when it fails.
   price switching between every product's active recurring prices with prorations — both
   subscription features off when nothing recurring is sold. `portalBranding` supplies the business
   profile and default return URL; fingerprint `portal:<service>` holds its id, and its hash covers
-  the catalogue, the branding and the deployment key, so an unchanged declaration makes no call.
+  the catalogue (including the declared tax behavior — a price `sync.ts` replaces refreshes the
+  portal's `products[].prices` too), the branding and the deployment key, so an unchanged
+  declaration makes no call.
 - **Each deployment owns its own portal configuration**, tagged
   `{ owlmeans: 'payment', service, deployment: webhookUrlOf(ctx) }` (`STRIPE_DEPLOYMENT_KEY`) — the
   webhook URL keys it even when undeliverable (local). The configuration the fingerprint row names
@@ -286,6 +322,10 @@ database.
 - https://docs.stripe.com/api/subscriptions/object — statuses `incomplete|incomplete_expired|trialing|active|past_due|canceled|unpaid|paused`; `pause_collection` pauses collection without changing the status; `paused` only after a trial without a payment method; on `2025-02-24.acacia` (stripe-node 17) `current_period_start/end` and `invoice.subscription` are top-level and move in later versions.
 - https://docs.stripe.com/customer-management/portal-deep-links and https://docs.stripe.com/api/customer_portal/sessions/create — `flow_data.type` ∈ `payment_method_update|subscription_cancel|subscription_update|subscription_update_confirm`; `subscription_update_confirm.items` holds exactly one `{ id: <subscription item id>, price, quantity }`; `after_completion` is `redirect|hosted_confirmation|portal_homepage`; the configuration must enable `subscription_update` (with `products[{product, prices[]}]`) and `subscription_cancel`.
 - https://docs.stripe.com/api/customer_portal/configurations/create — `features.{customer_update, invoice_history, payment_method_update, subscription_cancel{enabled, mode, proration_behavior}, subscription_update{enabled, default_allowed_updates, products, proration_behavior}}`, `business_profile`, `default_return_url`, `metadata`; updatable by id, retrievable and listable (`active`, paginated), and never deletable — a configuration can only be deactivated.
+- https://docs.stripe.com/api/tax/calculations/create — `line_items[].tax_behavior` (default `exclusive`), `tax_code`; `customer_details.address_source` ∈ `billing|shipping`; `tax_ids[]` shifts liability (a valid id is never validated for correctness); the response's `tax_breakdown[].tax_rate_details.percentage_decimal` is a STRING (parse it exactly, never `Number(x) * 10_000`) and `.rate_type` ∈ `flat_amount|percentage` (a flat rate never scales with the amount).
+- https://docs.stripe.com/tax/products-prices-tax-codes-tax-behavior — a price's `tax_behavior` can be set only from `unspecified`; once `exclusive`/`inclusive` it cannot change, and `inferred_by_currency` (an account tax-settings default) resolves to exclusive for USD/CAD, inclusive otherwise.
+- https://docs.stripe.com/payments/currencies/localize-prices/adaptive-pricing — `adaptive_pricing.enabled` on a Checkout Session; requires the price currency to be a settlement currency; Session/PaymentIntent/webhook amounts stay in the integration currency, with `presentment_details.{presentment_amount, presentment_currency}` alongside them when the buyer paid differently.
+- https://docs.stripe.com/api/fx_quotes/create — a **preview** endpoint (needs a preview `Stripe-Version`, called via `stripe.rawRequest`); `to_currency`/`from_currencies[]`; `lock_duration: 'none'` is free, `five_minutes|hour|day` add a fee (`rate_details.duration_premium`) baked into `exchange_rate`.
 
 ## Related
 

package/build/config.d.ts

@@ -1,4 +1,4 @@
-import type { Config, PaymentPlan, PaymentPlanDef, PaymentProductDef, PortalBrandingDef, StripeSecretsDef } from './types.js';
+import type { Config, PaymentPlan, PaymentPlanDef, PaymentProductDef, PortalBrandingDef, PricingDef, StripeSecretsDef } from './types.js';
 export declare const declarePaymentProduct: (cfg: Config, def: PaymentProductDef) => void;
 /**
  * Declare a plan into the configuration catalogue.
@@ -32,4 +32,18 @@ export declare const assertPlanDeclarations: (cfg: Config) => void;
 export declare const stripeSecrets: (cfg: Config, paths: StripeSecretsDef) => void;
 /** Branding and the default return URL of the managed customer portal configuration. */
 export declare const portalBranding: (cfg: Config, def: PortalBrandingDef) => void;
+/**
+ * Declare the pricing policy: whether checkout collects tax and a VAT/GST id, what `tax_behavior`
+ * synced prices are given, Adaptive Pricing, and whether the estimate endpoints are served. A
+ * config never carries more than one — a second call replaces the first, so re-declaring (a test, a
+ * config module re-run) is safe rather than silently ignored (a config resource resolves an id to
+ * its FIRST match).
+ *
+ * `def.stripe` (the FX Quotes preview version, the unspecified-price migration switch) is
+ * Stripe-only and goes to a backend plugin, never the advertised `PricingPolicy` record.
+ *
+ * @throws PaymentError (`assertPricingPolicy`) when an estimate is declared without the tax or
+ * currency capability it requires.
+ */
+export declare const declarePaymentPricing: (cfg: Config, def: PricingDef) => void;
 //# sourceMappingURL=config.d.ts.map

package/build/config.d.ts.map

@@ -1 +1 @@
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+{"version":3,"file":"config.d.ts","sourceRoot":"","sources":["../src/config.ts"],"names":[],"mappings":"AAYA,OAAO,KAAK,EACV,MAAM,EAAE,WAAW,EAAE,cAAc,EAAkB,iBAAiB,EAAE,iBAAiB,EACzF,UAAU,EAAE,gBAAgB,EAC7B,MAAM,YAAY,CAAA;AAEnB,eAAO,MAAM,qBAAqB,QAAS,MAAM,OAAO,iBAAiB,KAAG,IAS3E,CAAA;AA8BD;;;;;;;GAOG;AACH,eAAO,MAAM,kBAAkB,QAAS,MAAM,OAAO,cAAc,KAAG,IA2CrE,CAAA;AAED,gDAAgD;AAChD,eAAO,MAAM,eAAe,QAAS,MAAM,KAAG,WAAW,EACiD,CAAA;AAE1G;;;;;;;;;;;;GAYG;AACH,eAAO,MAAM,sBAAsB,QAAS,MAAM,KAAG,IAmBpD,CAAA;AAED;;;GAGG;AACH,eAAO,MAAM,aAAa,QAAS,MAAM,SAAS,gBAAgB,KAAG,IAIpE,CAAA;AAED,wFAAwF;AACxF,eAAO,MAAM,cAAc,QAAS,MAAM,OAAO,iBAAiB,KAAG,IAOpE,CAAA;AAED;;;;;;;;;;;;GAYG;AACH,eAAO,MAAM,qBAAqB,QAAS,MAAM,OAAO,UAAU,KAAG,IAUpE,CAAA"}

package/build/config.js

@@ -1,7 +1,7 @@
 import { toConfigRecord } from '@owlmeans/server-app';
 import { plugin } from '@owlmeans/config';
-import { assertAmountCheckoutPolicy, assertQuantityCheckoutPolicy, CAPABILITY_LIMIT_SCOPE, CheckoutPricingMode, LimitKind, LimitMisdeclared, LimitWindow, PLAN_RECORD_PREFIX, PLAN_RECORD_TYPE, PlanDuration, PlanRankConflict, PlanStatus, PRODUCT_RECORD_PREFIX, PRODUCT_RECORD_TYPE, } from '@owlmeans/payment';
-import { STRIPE_PAYGATE_ALIAS, STRIPE_PLUGIN_CONFIG, STRIPE_PORTAL_PLUGIN_CONFIG } from './consts.js';
+import { assertAmountCheckoutPolicy, assertPricingPolicy, assertQuantityCheckoutPolicy, CAPABILITY_LIMIT_SCOPE, CheckoutPricingMode, LimitKind, LimitMisdeclared, LimitWindow, PLAN_RECORD_PREFIX, PLAN_RECORD_TYPE, PlanDuration, PlanRankConflict, PlanStatus, PRICING_POLICY_RECORD_ID, PRICING_POLICY_RECORD_TYPE, PRODUCT_RECORD_PREFIX, PRODUCT_RECORD_TYPE, } from '@owlmeans/payment';
+import { STRIPE_PAYGATE_ALIAS, STRIPE_PLUGIN_CONFIG, STRIPE_PORTAL_PLUGIN_CONFIG, STRIPE_PRICING_PLUGIN_CONFIG, } from './consts.js';
 export const declarePaymentProduct = (cfg, def) => {
     cfg.records = cfg.records ?? [];
     const product = {
@@ -141,4 +141,28 @@ export const portalBranding = (cfg, def) => {
         ...(def.termsOfServiceUrl != null ? { termsOfServiceUrl: def.termsOfServiceUrl } : {}),
     }, STRIPE_PORTAL_PLUGIN_CONFIG);
 };
+/**
+ * Declare the pricing policy: whether checkout collects tax and a VAT/GST id, what `tax_behavior`
+ * synced prices are given, Adaptive Pricing, and whether the estimate endpoints are served. A
+ * config never carries more than one — a second call replaces the first, so re-declaring (a test, a
+ * config module re-run) is safe rather than silently ignored (a config resource resolves an id to
+ * its FIRST match).
+ *
+ * `def.stripe` (the FX Quotes preview version, the unspecified-price migration switch) is
+ * Stripe-only and goes to a backend plugin, never the advertised `PricingPolicy` record.
+ *
+ * @throws PaymentError (`assertPricingPolicy`) when an estimate is declared without the tax or
+ * currency capability it requires.
+ */
+export const declarePaymentPricing = (cfg, def) => {
+    const { stripe, ...policy } = def;
+    assertPricingPolicy(policy);
+    cfg.records = (cfg.records ?? []).filter(record => record.id !== PRICING_POLICY_RECORD_ID);
+    cfg.records.push({
+        ...toConfigRecord(policy), recordType: PRICING_POLICY_RECORD_TYPE, id: PRICING_POLICY_RECORD_ID,
+    });
+    if (stripe != null) {
+        plugin(cfg, { ...stripe }, STRIPE_PRICING_PLUGIN_CONFIG);
+    }
+};
 //# sourceMappingURL=config.js.map

package/build/config.js.map

@@ -1 +1 @@
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package/build/consts.d.ts

@@ -3,7 +3,17 @@ export { INTERNAL_PAYGATE, LIMIT_GATE };
 export declare const STRIPE_PAYGATE_ALIAS = "stripe";
 export declare const STRIPE_PLUGIN_CONFIG = "_external:stripe";
 export declare const STRIPE_PORTAL_PLUGIN_CONFIG = "_external:stripe-portal";
+/** Stripe-only pricing settings (FX Quotes API version, the unspecified-price migration switch) — never advertised to the browser, unlike the `PricingPolicy` record itself. */
+export declare const STRIPE_PRICING_PLUGIN_CONFIG = "_external:stripe-pricing";
 export declare const STRIPE_SIGNATURE = "Stripe-Signature";
+/**
+ * The FX Quotes API is a Stripe PREVIEW endpoint as of this writing: it answers only a
+ * `Stripe-Version` header naming a preview version, never the SDK's pinned stable one. Verify this
+ * string against https://docs.stripe.com/api/fx_quotes/create before relying on it, and override it
+ * with `declarePaymentPricing({ stripe: { fxApiVersion } })` once Stripe moves the API or renames
+ * the preview.
+ */
+export declare const STRIPE_FX_QUOTES_API_VERSION = "2025-07-30.preview";
 export declare const GATEWAY_SERVICE = "payment-gateway";
 export declare const PAYMENT_OBSERVER = "payment-observer";
 export declare const ENTITLEMENT_SERVICE = "payment-entitlement";

package/build/consts.d.ts.map

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package/build/consts.js

@@ -6,7 +6,17 @@ export { INTERNAL_PAYGATE, LIMIT_GATE };
 export const STRIPE_PAYGATE_ALIAS = 'stripe';
 export const STRIPE_PLUGIN_CONFIG = '_external:stripe';
 export const STRIPE_PORTAL_PLUGIN_CONFIG = '_external:stripe-portal';
+/** Stripe-only pricing settings (FX Quotes API version, the unspecified-price migration switch) — never advertised to the browser, unlike the `PricingPolicy` record itself. */
+export const STRIPE_PRICING_PLUGIN_CONFIG = '_external:stripe-pricing';
 export const STRIPE_SIGNATURE = 'Stripe-Signature';
+/**
+ * The FX Quotes API is a Stripe PREVIEW endpoint as of this writing: it answers only a
+ * `Stripe-Version` header naming a preview version, never the SDK's pinned stable one. Verify this
+ * string against https://docs.stripe.com/api/fx_quotes/create before relying on it, and override it
+ * with `declarePaymentPricing({ stripe: { fxApiVersion } })` once Stripe moves the API or renames
+ * the preview.
+ */
+export const STRIPE_FX_QUOTES_API_VERSION = '2025-07-30.preview';
 export const GATEWAY_SERVICE = 'payment-gateway';
 export const PAYMENT_OBSERVER = 'payment-observer';
 export const ENTITLEMENT_SERVICE = 'payment-entitlement';

package/build/consts.js.map

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package/build/index.d.ts

@@ -15,6 +15,8 @@ export { classifySubscriptionChange, commitSubscription, propagatedStateOf, subs
 export type { CommitOptions, CommitResult } from './subscription.js';
 export { planLookupKey, syncPaymentProducts, syncStripeProducts } from './sync.js';
 export { amountCheckoutLineItem, quantityCheckoutLineItem } from './plugins/stripe.js';
+export { makeEstimateCache, estimateStripePrice } from './plugins/estimate.js';
+export type { EstimateCache } from './plugins/estimate.js';
 export { applySubscription, createEventHandler, mapStatus } from './plugins/events.js';
 export type { ApplyOptions } from './plugins/events.js';
 export { ensureWebhookEndpoint, stripeWebhookSecret, stripeWebhookSecrets, webhookUrlOf, } from './plugins/webhook-manager.js';

package/build/index.d.ts.map

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package/build/index.js

@@ -13,6 +13,7 @@ export { consumeLimit, consumptionByRefOf, consumptionOf, limitStateOf, reconcil
 export { classifySubscriptionChange, commitSubscription, propagatedStateOf, subscriptionEventKey, } from './subscription.js';
 export { planLookupKey, syncPaymentProducts, syncStripeProducts } from './sync.js';
 export { amountCheckoutLineItem, quantityCheckoutLineItem } from './plugins/stripe.js';
+export { makeEstimateCache, estimateStripePrice } from './plugins/estimate.js';
 export { applySubscription, createEventHandler, mapStatus } from './plugins/events.js';
 export { ensureWebhookEndpoint, stripeWebhookSecret, stripeWebhookSecrets, webhookUrlOf, } from './plugins/webhook-manager.js';
 export { ensurePortalConfiguration } from './plugins/portal.js';

package/build/index.js.map

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package/build/plugins/estimate.d.ts

@@ -0,0 +1,43 @@
+import type Stripe from 'stripe';
+import type { PriceEstimate } from '@owlmeans/payment';
+import type { Context as ApiContext } from '@owlmeans/server-api';
+import type { PriceEstimateParams } from '../types.js';
+interface CacheEntry<T> {
+    value: T;
+    expiresAt: number;
+}
+export interface EstimateCache {
+    taxTtlMs: number;
+    fxTtlMs: number;
+    customerTtlMs: number;
+    tax: Map<string, CacheEntry<TaxOutcome>>;
+    fx: Map<string, CacheEntry<FxOutcome>>;
+    customer: Map<string, CacheEntry<Stripe.Customer | null>>;
+    inflight: Map<string, Promise<unknown>>;
+}
+/** @param taxTtlMs default 24h; @param fxTtlMs default 1h; @param customerTtlMs default 5min. */
+export declare const makeEstimateCache: (taxTtlMs?: number, fxTtlMs?: number, customerTtlMs?: number) => EstimateCache;
+type TaxOutcome = {
+    ok: true;
+    calculation: Stripe.Tax.Calculation;
+} | {
+    ok: false;
+    code?: string;
+};
+type FxOutcome = {
+    currency: string;
+    exchangeRate: number;
+    fxFeeRate?: number;
+} | null;
+/**
+ * A Stripe Tax estimate (and, when the pricing policy asks for it, a local-currency conversion) for
+ * one product/plan, at a billing country the request names or the entity's paygate customer does.
+ *
+ * Costs one Tax Calculation API call ($0.05) per distinct (currency, country, amount, tax code,
+ * behavior, matching tax ids) within `cache`'s TTL, and one free FX Quotes call per distinct
+ * (currency, local currency) — never more, and never for a rate-limit or connection error, which is
+ * never cached.
+ */
+export declare const estimateStripePrice: (ctx: ApiContext, stripe: Stripe, params: PriceEstimateParams, cache: EstimateCache) => Promise<PriceEstimate>;
+export {};
+//# sourceMappingURL=estimate.d.ts.map

package/build/plugins/estimate.d.ts.map

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package/build/plugins/estimate.js

@@ -0,0 +1,225 @@
+import { chargeAmountMinor, CheckoutPricingMode, currencyOfCountry, ProductError, ratePpmOf, TaxBehavior, TaxEstimateStatus, TaxType, UnknownProduct, } from '@owlmeans/payment';
+import { STRIPE_FX_QUOTES_API_VERSION, STRIPE_PAYGATE_ALIAS } from '../consts.js';
+import { findProduct } from '../plan.js';
+import { isSoldThrough } from '../sync.js';
+import { isMissingObject, paygateCustomers, payment, stripePricingConfig } from '../utils.js';
+/** @param taxTtlMs default 24h; @param fxTtlMs default 1h; @param customerTtlMs default 5min. */
+export const makeEstimateCache = (taxTtlMs = 24 * 60 * 60 * 1_000, fxTtlMs = 60 * 60 * 1_000, customerTtlMs = 5 * 60 * 1_000) => ({
+    taxTtlMs, fxTtlMs, customerTtlMs, tax: new Map(), fx: new Map(), customer: new Map(), inflight: new Map(),
+});
+/**
+ * A keyed value cached for `ttlMs`, with in-flight requests shared across concurrent callers. Only
+ * a settled (resolved) outcome is cached — a thrown error (a rate limit, a dropped connection) never
+ * is, so the next call simply tries again.
+ */
+const cached = async (store, inflight, key, ttlMs, factory) => {
+    const now = Date.now();
+    const hit = store.get(key);
+    if (hit != null && hit.expiresAt > now) {
+        return hit.value;
+    }
+    const pending = inflight.get(key);
+    if (pending != null) {
+        return pending;
+    }
+    const promise = factory().then(value => {
+        store.set(key, { value, expiresAt: Date.now() + ttlMs });
+        inflight.delete(key);
+        return value;
+    }).catch(error => {
+        inflight.delete(key);
+        throw error;
+    });
+    inflight.set(key, promise);
+    return promise;
+};
+// -------------------------------------------------------------------------------------------
+// Customer lookup — the fallback country and the tax ids a request-given country still checks.
+// -------------------------------------------------------------------------------------------
+const cachedCustomer = async (ctx, stripe, entityId, cache) => cached(cache.customer, cache.inflight, `customer:${entityId}`, cache.customerTtlMs, async () => {
+    const record = await paygateCustomers(ctx).byEntity(entityId, STRIPE_PAYGATE_ALIAS);
+    if (record == null || record.deletedAt != null) {
+        return null;
+    }
+    try {
+        const retrieved = await stripe.customers.retrieve(record.externalId, { expand: ['tax_ids'] });
+        return retrieved.deleted ? null : retrieved;
+    }
+    catch (error) {
+        if (isMissingObject(error))
+            return null;
+        throw error;
+    }
+});
+/** A duck-typed check, matching `isMissingObject` above: the installed SDK's own error classes. */
+const isInvalidRequest = (error) => error?.type === 'StripeInvalidRequestError';
+const NON_SCALABLE_REASONS = new Set([
+    'portion_product_exempt', 'portion_reduced_rated', 'portion_standard_rated', 'taxable_basis_reduced',
+    'proportionally_rated',
+]);
+/** A linear percentage rate scales with the amount; a flat fee, a partial exemption, or several inclusive rates do not. */
+const scalableOf = (breakdown, behavior) => {
+    if (breakdown.some(row => row.tax_rate_details?.rate_type === 'flat_amount'))
+        return false;
+    if (breakdown.some(row => NON_SCALABLE_REASONS.has(row.taxability_reason)))
+        return false;
+    if (behavior === TaxBehavior.Inclusive && breakdown.length > 1)
+        return false;
+    return true;
+};
+const statusOf = (breakdown, taxMinor) => {
+    if (breakdown.some(row => row.taxability_reason === 'reverse_charge'))
+        return TaxEstimateStatus.ReverseCharge;
+    if (taxMinor > 0)
+        return TaxEstimateStatus.Taxed;
+    if (breakdown.some(row => row.taxability_reason === 'not_supported'))
+        return TaxEstimateStatus.AtCheckout;
+    return TaxEstimateStatus.None;
+};
+const TAX_TYPE_MAP = Object.freeze({
+    vat: TaxType.Vat, gst: TaxType.Gst, sales_tax: TaxType.SalesTax,
+});
+const taxTypeOf = (raw) => raw != null && raw in TAX_TYPE_MAP ? TAX_TYPE_MAP[raw] : TaxType.Tax;
+const ratesOf = (breakdown) => breakdown
+    .filter((row) => row.tax_rate_details != null)
+    .map(row => ({
+    type: taxTypeOf(row.tax_rate_details.tax_type),
+    percentage: row.tax_rate_details.percentage_decimal,
+    ratePpm: ratePpmOf(row.tax_rate_details.percentage_decimal),
+    ...(row.tax_rate_details.country != null ? { country: row.tax_rate_details.country } : {}),
+    ...(row.tax_rate_details.state != null ? { state: row.tax_rate_details.state } : {}),
+}));
+const taxEstimateOf = (calculation, behavior, subtotalMinor) => {
+    const breakdown = calculation.tax_breakdown ?? [];
+    const taxMinor = calculation.tax_amount_exclusive + calculation.tax_amount_inclusive;
+    const status = statusOf(breakdown, taxMinor);
+    return {
+        status, subtotalMinor, taxMinor, totalMinor: calculation.amount_total,
+        scalable: scalableOf(breakdown, behavior), rates: ratesOf(breakdown),
+    };
+};
+/** The reference amount and currency of the estimate: an amount plan's default preset, else the plan's own price. */
+const referenceOf = (plan) => {
+    if (plan.pricingMode === CheckoutPricingMode.Amount) {
+        if (plan.amountPolicy == null)
+            throw new ProductError(`amount-policy:${plan.sku}`);
+        return {
+            subtotalMinor: chargeAmountMinor(plan.amountPolicy.defaultMinor, plan.amountPolicy),
+            currency: plan.amountPolicy.currency.toLowerCase(),
+        };
+    }
+    return { subtotalMinor: Math.round(plan.price * 100), currency: (plan.currency ?? 'usd').toLowerCase() };
+};
+/** A placeholder estimate — no known tax, shown by its `status`, never by its zeroed numbers. */
+const unresolvedEstimate = (status, subtotalMinor) => ({
+    status, subtotalMinor, taxMinor: 0, totalMinor: subtotalMinor, scalable: false, rates: [],
+});
+const fetchFxRate = async (stripe, currency, localCurrency, apiVersion) => {
+    const response = await stripe.rawRequest('POST', '/v1/fx_quotes', { to_currency: currency, 'from_currencies[]': localCurrency, lock_duration: 'none' }, { apiVersion });
+    const rate = response.rates?.[localCurrency];
+    if (rate?.exchange_rate == null) {
+        return null;
+    }
+    return {
+        currency: localCurrency, exchangeRate: rate.exchange_rate,
+        ...(rate.rate_details?.fx_fee_rate != null ? { fxFeeRate: rate.rate_details.fx_fee_rate } : {}),
+    };
+};
+// -------------------------------------------------------------------------------------------
+/**
+ * A Stripe Tax estimate (and, when the pricing policy asks for it, a local-currency conversion) for
+ * one product/plan, at a billing country the request names or the entity's paygate customer does.
+ *
+ * Costs one Tax Calculation API call ($0.05) per distinct (currency, country, amount, tax code,
+ * behavior, matching tax ids) within `cache`'s TTL, and one free FX Quotes call per distinct
+ * (currency, local currency) — never more, and never for a rate-limit or connection error, which is
+ * never cached.
+ */
+export const estimateStripePrice = async (ctx, stripe, params, cache) => {
+    const product = await findProduct(ctx, params.productSku);
+    if (product == null)
+        throw new UnknownProduct(params.productSku);
+    const plans = (await payment(ctx).allPlans(product.sku))
+        .filter(plan => isSoldThrough(product, plan, STRIPE_PAYGATE_ALIAS));
+    const plan = params.planSku != null
+        ? plans.find(item => item.sku === params.planSku)
+        : plans.find(item => item.recurring != null) ?? plans[0];
+    if (plan == null)
+        throw new ProductError(params.planSku != null ? `plan:${params.planSku}` : 'plan');
+    const pricing = await payment(ctx).pricingPolicy();
+    const behavior = pricing.tax.behavior ?? TaxBehavior.Exclusive;
+    const { subtotalMinor, currency } = referenceOf(plan);
+    let country = params.country?.toUpperCase();
+    let source = country != null ? 'request' : undefined;
+    let matchingTaxIds = [];
+    let taxabilityOverride;
+    const customer = await cachedCustomer(ctx, stripe, params.entityId, cache);
+    if (customer != null) {
+        if (country == null && customer.address?.country != null) {
+            country = customer.address.country;
+            source = 'customer';
+        }
+        if (country != null) {
+            matchingTaxIds = (customer.tax_ids?.data ?? [])
+                .filter(taxId => taxId.country === country)
+                .map(taxId => ({ type: taxId.type, value: taxId.value }));
+            if (customer.tax_exempt === 'exempt')
+                taxabilityOverride = 'customer_exempt';
+            else if (customer.tax_exempt === 'reverse')
+                taxabilityOverride = 'reverse_charge';
+        }
+    }
+    if (country == null) {
+        return { currency, behavior, tax: unresolvedEstimate(TaxEstimateStatus.LocationRequired, subtotalMinor) };
+    }
+    const cacheKey = JSON.stringify([
+        currency, country, subtotalMinor, product.taxCode ?? null, behavior,
+        matchingTaxIds.map(id => `${id.type}:${id.value}`).sort(), taxabilityOverride ?? null,
+    ]);
+    const outcome = await cached(cache.tax, cache.inflight, `tax:${cacheKey}`, cache.taxTtlMs, async () => {
+        try {
+            const calculation = await stripe.tax.calculations.create({
+                currency,
+                line_items: [{
+                        amount: subtotalMinor, reference: plan.sku, tax_behavior: behavior,
+                        ...(product.taxCode != null ? { tax_code: product.taxCode } : {}),
+                    }],
+                customer_details: {
+                    address: { country },
+                    address_source: 'billing',
+                    // Cast: `Stripe.TaxId.type` (the customer's saved tax id) and the Tax Calculation
+                    // parameter's own tax-id-type enum are independently generated from Stripe's OpenAPI
+                    // spec and can drift apart in this pinned SDK; every value here still came from a real
+                    // Stripe `TaxId` record, so it is valid at the API even where the two types disagree.
+                    ...(matchingTaxIds.length > 0
+                        ? { tax_ids: matchingTaxIds }
+                        : {}),
+                    ...(taxabilityOverride != null ? { taxability_override: taxabilityOverride } : {}),
+                },
+            });
+            return { ok: true, calculation };
+        }
+        catch (error) {
+            if (isInvalidRequest(error))
+                return { ok: false, code: error.code };
+            throw error;
+        }
+    });
+    const tax = outcome.ok
+        ? taxEstimateOf(outcome.calculation, behavior, subtotalMinor)
+        : unresolvedEstimate(TaxEstimateStatus.AtCheckout, subtotalMinor);
+    const result = { country, source, currency, behavior, tax };
+    if (pricing.currency.estimate && pricing.currency.adaptive === true) {
+        const localCurrency = currencyOfCountry(country);
+        if (localCurrency != null && localCurrency !== currency) {
+            const apiVersion = (await stripePricingConfig(ctx))?.fxApiVersion ?? STRIPE_FX_QUOTES_API_VERSION;
+            // A preview endpoint: unreachable or erroring never fails the estimate, it only drops `local`.
+            const fx = await cached(cache.fx, cache.inflight, `fx:${currency}:${localCurrency}:${apiVersion}`, cache.fxTtlMs, () => fetchFxRate(stripe, currency, localCurrency, apiVersion)).catch(() => null);
+            if (fx != null) {
+                result.local = { currency: fx.currency, exchangeRate: fx.exchangeRate, ...(fx.fxFeeRate != null ? { fxFeeRate: fx.fxFeeRate } : {}) };
+            }
+        }
+    }
+    return result;
+};
+//# sourceMappingURL=estimate.js.map