@owlmeans/web-payment 0.1.18-rc.20 → 0.1.18-rc.22

package/README.md

@@ -65,7 +65,7 @@ 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.36
+npx @owlmeans/agent-skills@^0.1.18-rc.39
 ```
 
 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/web-payment",
-  "version": "0.1.18-rc.20",
-  "generatedAt": "2026-09-22T22:22:19.443Z",
+  "version": "0.1.18-rc.22",
+  "generatedAt": "2026-09-24T14:00:35.062Z",
   "canonicalRepo": "https://github.com/owlmeans/common",
   "entries": [
     {

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

@@ -1,18 +1,19 @@
 ---
 name: web-payment
-description: Public React payment UI for OwlMeans web apps — protocol-bound checkout/balance hooks, same-window redirects, entitlement helpers and the themed AmountCheckoutDialog. Use when building payment UI with @owlmeans/web-payment.
+description: Public React payment UI for OwlMeans web apps — protocol-bound checkout/balance hooks, same-window redirects, entitlement helpers, the themed AmountCheckoutDialog with its per-entity checkout limit, the locked-country price estimate, and the EU consumer-rights pieces of the ./consumer subpath (spend consent, subscription start, withdrawal and cancellation functions, the consent gate). Use when building payment UI with @owlmeans/web-payment.
 user-invocable: false
 ---
 <!-- AUTO-GENERATED — do not edit. Regenerate via sync-agent-meta. -->
 
 # @owlmeans/web-payment
 
-**Install:** `bun add @owlmeans/web-payment@^0.1.18-rc.20`
+**Install:** `bun add @owlmeans/web-payment@^0.1.18-rc.22`
 
 Public MIT web package paired with `@owlmeans/server-payment`. It incorporates checkout, balance,
 entitlement and shallow-auth helpers over the underlying `@owlmeans/client-payment` service, plus
 presentational pieces over the entitlement view of `@owlmeans/payment` (the model itself is the
-`entitlements` skill).
+`entitlements` skill), and — on the `./consumer` subpath — the consumer-rights pieces over
+`@owlmeans/payment`'s consumer-rights contracts and legal copy (the `payment` skill).
 
 ## Protocol-bound hooks
 
@@ -69,23 +70,25 @@ and action text come from the application). Every one accepts `className`.
 | `PlanCard` | `plan: EntitlementPlanView`, `offer?: { sku, title, priceLabel, highlight? }`, `current?`, `pending?`, `actionLabel?`, `onAction?(sku)`, `children?` | Title; the status line (with a tone dot) for the entity's own plan, or for an offer only when it is current; a "Current plan" badge; `priceLabel`; children; one action button (outline when current, disabled while `pending`). `current` defaults to `offer.sku === plan.sku`. |
 | `LimitMeter` | `limit: LimitView`, `label`, `showReset? = true`, `compact?` | `used of limit` (with `unit`), a `Progress` bar, "Limit reached" when exhausted, "Resets on …" for a window limit, the promo inscription. `limit: 0` reads "Not included" and draws no bar. |
 | `CapabilityList` | `capabilities: CapabilityView[]`, `labels: Record<param, string>`, `onlyGranted?` | One row per labelled param in view order (duplicate params collapse, granted wins); unlabelled rows are not rendered; ungranted rows are muted; promo inscription under the label. |
+| `CheckoutLimitNote` | `limit: CheckoutLimitView \| null`, `reasonLabel?: string \| (reason) => string` | Nothing for `null` or a limit that narrowed nothing; else "You can add up to {max} right now" (or "You cannot add credits right now" when `blocked`), the reason's sentence (`per-purchase`, `window`, `hold`, any other → generic; `reasonLabel` replaces it) and "More becomes available on {resetsAt}" (UTC, to the minute). |
 
 - **Stable selectors** for tests and styling: `[data-plan-card]` with `data-plan-sku`,
   `data-plan-status` (the line kind), `data-plan-tone`, `data-current`; `[data-plan-status-line]`,
   `[data-plan-current]`, `[data-plan-price]`; `[data-limit-meter]` with `data-limit-key`,
   `data-limit-kind`, `data-included`, `data-exhausted`, and `[data-limit-usage]`,
   `[data-limit-resets]`, `[data-limit-exhausted]`; `[data-capability-list]`, `[data-capability]`
-  with `data-granted`; `[data-promo]` carrying the inscription kind.
+  with `data-granted`; `[data-promo]` carrying the inscription kind; `[data-checkout-limit]` with
+  `data-max-minor`, `data-blocked` (`"true"`/`"false"`), `data-reason`, `data-resets-at` (ISO).
 - **Dates render as calendar UTC days** (`dateStyle: 'medium'`) in the current language — the
   calendar limit windows count in, so a reset date names the day the counter rolls.
 - Promo copy: "Free until {{date}}", "Included for your plan", "Promotion ended".
 
 ## AmountCheckoutDialog
 
-The dialog takes `{ open, onOpenChange, policy, pending, onConfirm, estimate? }`. It keeps integer
-minor units, accepts locale decimal separators and at most two decimals, shows configured presets
-plus custom input, and reports below/above-bound errors without clamping. Confirmation is disabled
-when invalid or pending.
+The dialog takes `{ open, onOpenChange, policy, pending, onConfirm, estimate?, limit?, legalNote? }`.
+It keeps integer minor units, accepts locale decimal separators and at most two decimals, shows
+configured presets plus custom input, and reports below/above-bound errors without clamping.
+Confirmation is disabled when invalid or pending.
 
 It shows net credit value, processing adjustment and pre-tax subtotal from `chargeAmountMinor`.
 With no `estimate`, the plain note that Stripe calculates applicable tax; with one, `PriceEstimateSummary`
@@ -93,6 +96,19 @@ renders instead (see below) against the SAME `chargeMinor`, so the country picke
 track whatever the buyer has typed. The policy maximum bounds net credit, not the adjusted or
 tax-inclusive debit.
 
+- **`limit`** (`AmountPolicyView.limit`, what the entity may buy NOW) narrows `policy` through
+  `@owlmeans/payment`'s `narrowAmountPolicy` — the same computation the server refuses with
+  (`CheckoutLimitExceeded`), so the control and a refusal cannot disagree. Presets above the
+  maximum disappear, the default is clamped, the above-bound error names the narrowed maximum
+  ("The most you can add right now is …"), and a `CheckoutLimitNote` shows above the presets.
+  `policy` may be the plan's or one already narrowed (`AmountPolicyView.policy`) — narrowing is
+  idempotent. **`blocked`** disables the presets, the input and the confirm button; the pinned
+  policy `narrowAmountPolicy` returns for a block is never an offer of the minimum.
+- **`legalNote`** is a slot right above the buttons for the application's legal line (the EU
+  withdrawal note of a top-up, terms links) — `[data-legal-note]`.
+- Selectors: `[data-amount-checkout]` (`data-blocked`), `[data-amount-preset="<minor>"]`,
+  `[data-amount-confirm]`.
+
 ## Price estimate: a live tax/currency read for any amount
 
 ```typescript
@@ -105,7 +121,7 @@ const estimate = usePriceEstimate(ctx.entrypoint(account.priceEstimate), { enabl
 const [country, setCountry] = useState('')
 const pro = usePriceEstimate(entry, { enabled, country, onCountryChange: setCountry }, { body: { planSku: 'pro' } })
 const team = usePriceEstimate(entry, { enabled, country, onCountryChange: setCountry }, { body: { planSku: 'team' } })
-<CountrySelect value={country} onChange={setCountry} />               {/* rendered ONCE */}
+<CountrySelect value={country} onChange={setCountry} disabled={pro.locked} />   {/* rendered ONCE */}
 <PriceEstimateAmount control={pro} subtotalMinor={proPriceMinor} currency="usd" />     {/* per offer */}
 <PriceEstimateAmount control={team} subtotalMinor={teamPriceMinor} currency="usd" />
 ```
@@ -122,9 +138,15 @@ const team = usePriceEstimate(entry, { enabled, country, onCountryChange: setCou
     calls can share ONE value (a plan comparison table, one picker, one estimate per offer); the
     hook never preselects on its own, and the returned control's `onCountryChange` calls
     `opts.onCountryChange` instead of an internal setter.
-- **`CountrySelect({ value, onChange, label?, id?, className? })`** is the picker alone —
-  `Intl.DisplayNames` + `Intl.Collator` over `@owlmeans/payment`'s `COUNTRY_CODES`, so it lists the
-  buyer's language's own country names. Render it once and drive every estimate that shares it.
+  - **Locked** (an answer with `locked: true` or `source: 'profile'` — the entity's billing country
+    fixed by its first purchase): the hook adopts that country over any pick (controlled: through
+    `opts.onCountryChange`, once), returns `locked: true`, and ignores `onCountryChange` from then
+    on (`isLockedAnswer(estimate)`).
+- **`CountrySelect({ value, onChange, label?, id?, className?, disabled?, note? })`** is the picker
+  alone — `Intl.DisplayNames` + `Intl.Collator` over `@owlmeans/payment`'s `COUNTRY_CODES`, so it
+  lists the buyer's language's own country names. Render it once and drive every estimate that
+  shares it. `disabled` (a locked country) disables it; `note` is a line under it. Selectors
+  `[data-country-select]` with `data-locked` and `data-country`, `[data-country-note]`.
 - **`PriceEstimateAmount({ control, subtotalMinor, currency, suffix?, className? })`** is the
   numbers alone, no picker: via `estimateOf` re-derived against `subtotalMinor`, a rate row for a
   `taxed` status, an estimated total, and one sentence for every status that leaves no number to
@@ -136,19 +158,114 @@ const team = usePriceEstimate(entry, { enabled, country, onCountryChange: setCou
     at Stripe's current rate and confirmed at checkout. With no `local`, the amounts show in
     `currency` (the integration currency) with no `≈` and no note.
 - **`PriceEstimateSummary`** is `CountrySelect` bound to the control's own `country`/
-  `onCountryChange` followed by `PriceEstimateAmount` — the one-estimate composition. Building a
+  `onCountryChange` followed by `PriceEstimateAmount` — the one-estimate composition. A `locked`
+  control renders the picker disabled with the "set by your first purchase" note. Building a
   shared picker composes the two pieces separately instead, one `PriceEstimateAmount` per estimate.
 
+## `./consumer` — the EU consumer-rights pieces
+
+`import { … } from '@owlmeans/web-payment/consumer'` — a separate subpath, so an application that
+never renders them needs neither their checkbox primitive nor its peer. Legal text comes from
+`@owlmeans/payment`'s `payment-consumer-rights` copy (`consumerText`, `legalLabelsOf`,
+`consentStatementOf` render the same strings the server records and mails); the interface text
+comes from this package's `web-payment` resource. Neither carries product copy: the trader, the
+plan title and the price line are the view's or the application's.
+
+**The language rule.** A consent or statutory function is shown in the CONTRACT language — the
+billing country's (`view.language`, `list.language`, the `language` prop) — with a toggle to the
+interface language and back (`useShownLanguage`, `LanguageToggle`). The whole piece switches: the
+legal copy through `legalTextOf(lng)`, the interface strings through `paymentTextOf(lng)` (both
+read any language without i18next and without draining a bundle — `resolveI18nResource`), dates
+and amounts through `Intl` in that language. The toggle alone is phrased in the INTERFACE language
+("Show in German") — the reader who needs it reads that one. The links follow the shown language
+(`links` prop: a record by language or a function such as `lng => linksOf(policy, lng)`; absent,
+the view's own). What a person agrees to is what was on screen: toggling un-ticks the checkbox, and
+the recorded body names the language shown.
+
+| Piece | Props | Behaviour |
+|---|---|---|
+| `PerformanceConsentDialog` | `open, onOpenChange, view: PerformanceConsentView \| null, onConfirm(body: PerformanceConsentBody), onDecline?, uiLanguage?, pending?, error?, links?, onWithdraw?, formatAmount?` | Title and intro (count, last deadline), the purchases with date, amount and last withdrawal day (`performance-consent.purchase`), ONE checkbox carrying the whole statement (`performance-consent.checkbox` with `view.trader`), **unchecked by default**; confirm ("Start now" / "Jetzt beginnen" …) disabled until it is ticked; decline ("Not now"); links Billing Terms · Withdrawal information · the withdrawal function (a button when `onWithdraw`, else the links' `withdrawalFunction` page). `onConfirm` gets `{ purchaseIds, textVersion, language: <shown>, acknowledged: true, uiLanguage }`. |
+| `SubscriptionStartDialog` | `open, onOpenChange, view: SubscriptionStartView \| null, planTitle, price?: ReactNode, onConfirm(body: SubscriptionStartBody), onDecline?, uiLanguage?, pending?, error?, links?, onWithdraw?` | The same shape before a subscription checkout; confirm is "Continue to payment" — the step before the paygate's own order button. |
+| `WithdrawalFunctionButton` | `language, onClick, uiLanguage?, disabled?, variant? = 'outline'` | The statutory entry ("Withdraw from contract here", "Vertrag widerrufen", "Renoncer au contrat ici", "Odstąp od umowy tutaj") in the contract language; the interface language's label as `title` when they differ. |
+| `WithdrawalForm` / `WithdrawalDialog` | `mode: 'in-app' \| 'public', language, onSubmit(body: WithdrawalBody), list?, defaults?, uiLanguage?, pending?, error?, receipt?, formatAmount?` (+ `open, onOpenChange` for the dialog; `onClose` for the form) | Three steps. **Form**: in-app a contract picker over `list.candidates` (bought, paid, last day, estimated refund), publicly a contract-reference field — plus name and e-mail, NOTHING else is asked (a public form also carries the honeypot). **Review**: the summary and the statutory confirm ("Confirm withdrawal", "Widerruf bestätigen", "Confirmer la rétractation", "Potwierdź odstąpienie od umowy"). **Receipt** (whenever `receipt` is set): the received sentence with date AND time in UTC, reference, status, refund. The dialog does not clear the receipt the application holds — reset it on close. |
+| `CancellationForm` | `mode, language, onSubmit(body: CancellationBody), defaults?, uiLanguage?, pending?, error?, receipt?, onPrint?, onClose?` | **Form**: kind (ordinary / extraordinary — the reason becomes required), name, contract or customer reference, effective (earliest / a date from today), e-mail, and a honeypot. **Summary** with the statutory confirm ("Cancel now", "Jetzt kündigen", "Notification de la résiliation", "Wypowiedz teraz"). **Receipt**: received date and time in UTC, the effective date when known, status, a print button (`onPrint`, default `window.print()`). |
+
+- `error` is `true` (the generic sentence in the shown language) or the application's own node — a
+  `WithdrawalUnavailable` phrased by the app, say.
+- **The honeypot** (`Honeypot`, internal): an input named `website`, off screen, `tabIndex={-1}`,
+  inside `aria-hidden`; only a filled one is sent (`body.honeypot`), and the server answers a bot
+  exactly like a person.
+- **Bodies** carry `language` = the shown language; an in-app withdrawal sends `purchaseId` and
+  `contractRef`, a public one `contractRef` only.
+
+### Hooks — protocol-bound, from `makeConsumerRightsProtocols`
+
+```ts
+usePerformanceConsent(view: RegisteredEntrypoint<{}, PerformanceConsentView>,
+  record: RegisteredEntrypoint<{ body: PerformanceConsentBody }, PerformanceConsentResponse>,
+  opts?: { enabled?, uiLanguage?, links?, onWithdraw?, onRecorded?(response) })
+  → { view, required: boolean | null, ensure(opts?: { force? }): Promise<boolean>, refresh(), dialog }
+PerformanceConsentProvider({ view, record, options?, children })   // ONE dialog for the app
+useConsentGate() → { ensure, withConsent<T>(action): Promise<T>, required }
+useSubscriptionStart(start: RegisteredEntrypoint<{ query: { planSku } }, SubscriptionStartView>,
+  requestStart: RegisteredEntrypoint<{ body: SubscriptionStartBody }, SubscriptionStartResponse>, opts?)
+  → { ensure(planSku, { planTitle, price? }): Promise<string | null>, view, dialog }
+useWithdrawal(withdrawals | null, withdraw, { enabled? }) → { list, load, submit, receipt, pending, error, reset, form }
+useCancellation(cancel) → { submit, receipt, pending, error, reset, form }
+```
+
+- **`ensure()`** reads the view fresh: `true` when nothing is required, or once the consent was
+  confirmed AND recorded; `false` on a decline or a closed dialog. A failed read answers `true` —
+  the server's 428 stays the authority, and a flaky read never blocks work that needs no consent.
+  Concurrent calls share ONE pending answer (a burst of clicks opens one dialog). A record refused
+  with a 428 (a stale text version) reloads the view and keeps the dialog open.
+- **`useSubscriptionStart().ensure`** answers the `startRequestId` to send with the checkout
+  (`CreateCheckoutBody.startRequestId`), `''` when none is needed (or the read failed — the
+  checkout's own refusal then decides), `null` on a decline.
+- **`withConsent(action)`** runs the action; on a SPEND-consent refusal it asks with
+  `ensure({ force: true })` and retries exactly ONCE. A decline throws `ConsentDeclined`
+  (`isConsentDeclined`); a second refusal and every other failure propagate unchanged. Outside a
+  provider the gate passes through (`ensure` → `true`, refusals propagate).
+- The asking state machine is `makeAsker` and the gate `makeConsentGate` (pure, React-free).
+- `dialog` / `form` objects are spread into ONE piece each; `form.error` is a boolean, the raw
+  failure is `error`.
+
+### Recognising a consent refusal
+
+`isConsentRefusal(e)` — `consentRefusalOf(e) != null` (the class after the registry, or its marker
+in `message`/`type`) OR `httpStatusOf(e) === 428` (`@owlmeans/api/status`: a production body is only
+an incident id, so the status is all that is left). Read on the error AND on what it wraps —
+`cause`, `error`, `original`, `originalError`, `inner`, `reason`, an aggregate's `errors`, and
+strings — five levels deep with a cycle guard, so a planning `CommitFailed`
+(`planning:commit-failed:<transition>:<the refusal's text>`) is recognised without depending on
+planning. `consentRefusalKindOf(e)` → `'performance' | 'subscription-start' | 'unknown'` (a bare
+428) `| null`; `isPerformanceConsentRefusal(e)` is what the gate retries on (performance or
+unknown — never a subscription start).
+
+### Selectors
+
+| Piece | Selectors |
+|---|---|
+| Spend consent | `[data-consent-dialog]` (also `[data-performance-consent]`) with `data-language` (shown), `data-contract-language`, `data-text-version`; `[data-consent-purchase]` with `data-purchase-id`, `data-deadline` (ISO); `[data-consent-statement]`; `[data-consent-checkbox]` (Radix `data-state`); `[data-consent-confirm]`; `[data-consent-decline]`; `[data-consent-language-toggle]` (also `[data-language-toggle]` with `data-target-language`) |
+| Legal links (both dialogs) | `[data-legal-links]`, `[data-legal-link="billing-terms" \| "withdrawal-information" \| "withdrawal-function"]` |
+| Subscription start | `[data-start-dialog]` (also `[data-subscription-start]`) with `data-language`, `data-contract-language`, `data-plan-sku`; `[data-start-statement]`, `[data-start-price]`, `[data-start-checkbox]`, `[data-start-confirm]`, `[data-start-decline]`, `[data-start-language-toggle]` |
+| Withdrawal | `[data-withdrawal-function]` (`data-language`); `[data-withdrawal-dialog]` (`data-language`, `data-step`); `[data-withdrawal-form]` with `data-withdrawal-step="form\|review\|receipt"` (also `data-step`, `data-mode`, `data-language`); `[data-withdrawal-candidate]` (`data-purchase-id`, `data-contract-ref`) and its radio `[data-withdrawal-candidate-input="<purchaseId>"]`; `[data-withdrawal-estimate]` (`data-refund-minor`); `[data-withdrawal-field="contract\|name\|email"]`; `[data-withdrawal-continue]`, `[data-withdrawal-back]`, `[data-withdrawal-confirm]`; `[data-withdrawal-receipt]` (`data-status`, `data-declaration-id`, `data-received-at`), `[data-withdrawal-reference]`, `[data-withdrawal-received-at]`, `[data-withdrawal-refund]`; `[data-withdrawal-language-toggle]` |
+| Cancellation | `[data-cancellation-form]` with `data-cancellation-step="form\|review\|receipt"` (also `data-step`, `data-mode`, `data-language`); `[data-cancellation-field="kind\|reason\|name\|contract\|effective\|date\|email"]` (kind radios carry `data-kind`, effective radios `data-effective`); `[data-cancellation-continue]`, `[data-cancellation-back]`, `[data-cancellation-confirm]`, `[data-cancellation-summary]`; `[data-cancellation-receipt]` (`data-status`, `data-declaration-id`, `data-received-at`, `data-effective-at`), `[data-cancellation-effective]`, `[data-cancellation-print]`; `[data-cancellation-language-toggle]` |
+| Honeypot | `[data-honeypot]` |
+
 ## The `@/components/ui/*` contract
 
 Components import the consuming app's shadcn primitives through the app alias:
-`@/components/ui/{button,dialog,input,label,select}` for the dialog and estimate summary and
+`@/components/ui/{button,dialog,input,label,select}` for the dialog and estimate summary,
 `@/components/ui/{card,progress,button}` for the pieces (`Card`, `CardHeader`, `CardTitle`,
-`CardDescription`, `CardContent`, `CardFooter`, `Progress`). The consumer therefore provides those
-files and the peers `@radix-ui/react-progress` / `@radix-ui/react-select` beside the dialog's Radix
-ones. The package carries standalone copies under `src/@` only so its own build and tests resolve
-the same alias; they are never exported. Styling uses semantic theme tokens only (`primary`,
-`muted-foreground`, `destructive`, `border`, `card`).
+`CardDescription`, `CardContent`, `CardFooter`, `Progress`), and — **only from `./consumer`** —
+`@/components/ui/checkbox` (`export { Checkbox }` with the Radix Root props, the stock shadcn file).
+The consumer therefore provides those files and the peers `@radix-ui/react-progress` /
+`@radix-ui/react-select` beside the dialog's Radix ones, plus `@radix-ui/react-checkbox` when it
+imports `./consumer`. The package carries standalone copies under `src/@` only so its own build and
+tests resolve the same alias; they are never exported (its checkbox draws an inline SVG check, no
+icon library). Styling uses semantic theme tokens only (`primary`, `muted-foreground`,
+`destructive`, `border`, `card`).
 
 A Tailwind v4 consumer scanning package source adds:
 
@@ -158,18 +275,41 @@ A Tailwind v4 consumer scanning package source adds:
 
 ## Strings
 
-All visible strings live in the `web-payment` library resource (`lib` namespace) in all seven
-languages — `en pl ru be uk es de` — under three branches: `amount-checkout`, `entitlement`
-(`plan`, `status`, `limit`, `promo`, `capability`) and `estimate` (`country`, `tax-type`, `rate`,
-`total`, `converted-note`, `status`, `loading`, `failed`). A new key lands in every language at once, with
-the same `{{placeholders}}`; the parity spec walks the resources recursively. An application
-overrides a string with `addI18nApp(lng, 'web-payment', data, { ns: LIB_NAMESPACE })`.
+All visible interface strings live in the `web-payment` library resource (`lib` namespace,
+`WEB_PAYMENT_RESOURCE`) in all eight languages — `en pl ru be uk es de fr` — under
+`amount-checkout` (incl. `above-limit`), `checkout-limit` (`note`, `blocked`, `resets`,
+`reason.{per-purchase,window,hold,other}`), `entitlement` (`plan`, `status`, `limit`, `promo`,
+`capability`), `estimate` (`country`, `country-locked`, `tax-type`, `rate`, `total`,
+`converted-note`, `status`, `loading`, `failed`), and for `./consumer`: `consumer` (toggle, steps,
+receipt labels, validation), `withdrawal` (candidate lines, estimate, kinds, `status.*`) and
+`cancellation` (`effective-at`, `status.*`). The legal copy is NOT here — it is `@owlmeans/payment`'s.
+
+- A new key lands in every language at once, with the same `{{placeholders}}`; the parity spec
+  walks the resources recursively and scans every language for the forbidden wording (never
+  "non-refundable" or a translation of it: the right of withdrawal EXPIRES for what was used, and
+  unused credits ARE reimbursed). Every `WithdrawalStatus`, `CancellationStatus` (incl. `review` —
+  extraordinary and unmatched public cancellations) and `PurchaseKind` value has its string; the
+  spec iterates the enums, so a new status fails it until all eight languages phrase it.
+- The last withdrawal day shown anywhere is `@owlmeans/payment`'s `lastWithdrawalDayOf(deadline)`
+  (the deadline is exclusive), formatted as a UTC date — the rule the server's e-mails use.
+- The `consumer`/`withdrawal`/`cancellation` branches take the register of the legal copy they sit
+  beside (de and es formal, like `payment-consumer-rights`), while `amount-checkout` and
+  `checkout-limit` keep the dialog's.
+- An application overrides a string with `addI18nApp(lng, 'web-payment', data, { ns: LIB_NAMESPACE })`
+  — `paymentTextOf` reads that override too.
 
 ## Tests
 
-Category D plus unit specs: `bun test ./tests` runs the selector, hook and cache specs (hooks
-rendered with `react-dom/server`, a fake `window` for navigation) and drives chromium through the
-Vite harness, which picks a surface by `?case=` (none = the dialog, `pieces`, `hook`) and, for the
-dialog, an `?estimate=<name>` canned `PriceEstimateControl` fixture (`tests/harness/estimate-fixtures.ts`
-— no server, no Stripe). The harness pre-bundles every runtime dependency in `optimizeDeps.include`;
-one discovered mid-navigation loads a second React and the page throws "Invalid hook call".
+Category D plus unit specs: `bun test ./tests` runs the selector, hook, cache, consent-refusal
+(`consent-refusal.spec.ts`: class, marker in message/type/string, bare 428 `ApiStatusError`,
+stamped status, `cause`/`error`/aggregate nesting, a `CommitFailed`-shaped message, negatives) and
+asker/gate (`consumer-hooks.spec.ts`: `makeAsker` sharing and failing open, `withConsent` retrying
+exactly once, first-render hook shapes with `react-dom/server`) specs, the 8-language parity spec,
+and drives chromium through the Vite harness, which picks a surface by `?case=` (none = the dialog,
+`pieces`, `hook`, `shared-estimate`; `consent`, `start`, `withdrawal`, `withdrawal-public`,
+`cancellation`, `limit` (`&blocked=true`), `country-locked`, `consent-gate`), with `?lng=` the
+contract language and `?ui=` the interface language, and for the dialog an `?estimate=<name>`
+canned `PriceEstimateControl` fixture (`tests/harness/estimate-fixtures.ts`,
+`tests/harness/consumer-fixtures.ts` — no server, no Stripe). The harness pre-bundles every runtime
+dependency in `optimizeDeps.include` (`@radix-ui/react-checkbox` included); one discovered
+mid-navigation loads a second React and the page throws "Invalid hook call".

package/build/@/components/ui/checkbox.d.ts

@@ -0,0 +1,5 @@
+import * as React from 'react';
+import * as CheckboxPrimitive from '@radix-ui/react-checkbox';
+/** The shadcn checkbox, with an inline check mark instead of an icon library. */
+export declare const Checkbox: ({ className, ...props }: React.ComponentProps<typeof CheckboxPrimitive.Root>) => React.JSX.Element;
+//# sourceMappingURL=checkbox.d.ts.map

package/build/@/components/ui/checkbox.d.ts.map

@@ -0,0 +1 @@
+{"version":3,"file":"checkbox.d.ts","sourceRoot":"","sources":["../../../../src/@/components/ui/checkbox.tsx"],"names":[],"mappings":"AAAA,OAAO,KAAK,KAAK,MAAM,OAAO,CAAA;AAC9B,OAAO,KAAK,iBAAiB,MAAM,0BAA0B,CAAA;AAG7D,iFAAiF;AACjF,eAAO,MAAM,QAAQ,4BAA6B,KAAK,CAAC,cAAc,CAAC,OAAO,iBAAiB,CAAC,IAAI,CAAC,sBAiB1E,CAAA"}

package/build/@/components/ui/checkbox.js

@@ -0,0 +1,6 @@
+import { jsx as _jsx } from "react/jsx-runtime";
+import * as CheckboxPrimitive from '@radix-ui/react-checkbox';
+import { cn } from '@/lib/utils';
+/** The shadcn checkbox, with an inline check mark instead of an icon library. */
+export const Checkbox = ({ className, ...props }) => _jsx(CheckboxPrimitive.Root, { "data-slot": "checkbox", className: cn('peer border-input size-4 shrink-0 cursor-pointer rounded-[4px] border shadow-xs outline-none transition-shadow', 'data-[state=checked]:bg-primary data-[state=checked]:text-primary-foreground data-[state=checked]:border-primary', 'focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] disabled:cursor-not-allowed disabled:opacity-50', className), ...props, children: _jsx(CheckboxPrimitive.Indicator, { "data-slot": "checkbox-indicator", className: "flex items-center justify-center text-current", children: _jsx("svg", { viewBox: "0 0 24 24", "aria-hidden": "true", className: "size-3.5", fill: "none", stroke: "currentColor", strokeWidth: 3, strokeLinecap: "round", strokeLinejoin: "round", children: _jsx("path", { d: "M20 6 9 17l-5-5" }) }) }) });
+//# sourceMappingURL=checkbox.js.map

package/build/@/components/ui/checkbox.js.map

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package/build/checkout-limit.d.ts

@@ -0,0 +1,11 @@
+import type { CheckoutLimitNoteProps } from './types.js';
+/**
+ * What an amount checkout is narrowed to for this entity now: the largest amount (or that nothing
+ * may be bought), why, and when it rises again — the same `CheckoutLimitView` the server refuses
+ * with, so the note and a refusal never disagree.
+ *
+ * `[data-checkout-limit]` carries `data-max-minor`, `data-blocked`, `data-reason` and, when known,
+ * `data-resets-at` (ISO).
+ */
+export declare const CheckoutLimitNote: ({ limit, reasonLabel, className }: CheckoutLimitNoteProps) => import("react").JSX.Element | null;
+//# sourceMappingURL=checkout-limit.d.ts.map

package/build/checkout-limit.d.ts.map

@@ -0,0 +1 @@
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package/build/checkout-limit.js

@@ -0,0 +1,34 @@
+import { jsx as _jsx, jsxs as _jsxs } from "react/jsx-runtime";
+import { useI18nLib, useLanguage } from '@owlmeans/client-i18n';
+import { cn } from '@/lib/utils';
+import { money, shortMomentUtc } from './format.js';
+/** The reasons the package phrases itself; any other reads the generic sentence. */
+const KNOWN_REASONS = ['per-purchase', 'window', 'hold'];
+/**
+ * What an amount checkout is narrowed to for this entity now: the largest amount (or that nothing
+ * may be bought), why, and when it rises again — the same `CheckoutLimitView` the server refuses
+ * with, so the note and a refusal never disagree.
+ *
+ * `[data-checkout-limit]` carries `data-max-minor`, `data-blocked`, `data-reason` and, when known,
+ * `data-resets-at` (ISO).
+ */
+export const CheckoutLimitNote = ({ limit, reasonLabel, className }) => {
+    const t = useI18nLib('web-payment', 'checkout-limit');
+    const [locale] = useLanguage();
+    if (limit == null || (!limit.narrowed && !limit.blocked)) {
+        return null;
+    }
+    const reason = limit.reason ?? '';
+    const custom = typeof reasonLabel === 'function' ? reasonLabel(reason) : reasonLabel;
+    const explained = custom != null && custom !== ''
+        ? custom
+        : t(`reason.${KNOWN_REASONS.includes(reason) ? reason : 'other'}`);
+    const resetsAt = limit.resetsAt != null ? new Date(limit.resetsAt) : null;
+    const resets = resetsAt != null && !Number.isNaN(resetsAt.getTime())
+        ? t('resets', { date: shortMomentUtc(resetsAt, locale), interpolation: { escapeValue: false } })
+        : null;
+    return _jsxs("div", { "data-checkout-limit": "", "data-max-minor": limit.maximumMinor, "data-blocked": limit.blocked ? 'true' : 'false', "data-reason": reason, "data-resets-at": resetsAt?.toISOString(), role: limit.blocked ? 'alert' : 'note', className: cn('grid gap-1 rounded-lg border p-3 text-sm', limit.blocked ? 'border-destructive/50' : 'bg-muted/30', className), children: [_jsx("p", { className: limit.blocked ? 'text-destructive font-medium' : 'font-medium', "data-checkout-limit-headline": "", children: limit.blocked
+                    ? t('blocked')
+                    : t('note', { amount: money(limit.maximumMinor, limit.currency, locale), interpolation: { escapeValue: false } }) }), _jsx("p", { className: "text-muted-foreground text-xs", "data-checkout-limit-reason": "", children: explained }), resets != null && _jsx("p", { className: "text-muted-foreground text-xs", "data-checkout-limit-resets": "", children: resets })] });
+};
+//# sourceMappingURL=checkout-limit.js.map

package/build/checkout-limit.js.map

@@ -0,0 +1 @@
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package/build/consumer/cancellation.d.ts

@@ -0,0 +1,20 @@
+import type { CancellationFormProps } from './types.js';
+/**
+ * The cancellation function (§ 312k BGB "Verträge hier kündigen" → "Jetzt kündigen"; L215-1-1 /
+ * D215-1 "Résilier votre contrat" → a summary → "Notification de la résiliation"), for a public
+ * page reachable without a login and for the same function in-app.
+ *
+ * Step 1 asks for the kind (ordinary, or extraordinary with its reason), the name, the contract or
+ * customer reference, the date (the earliest possible, or a specific one) and the e-mail address
+ * the acknowledgement goes to; a honeypot field no person reaches rides along. Step 2 is the
+ * summary with the statutory confirm button; step 3 the receipt — date and time of receipt in UTC,
+ * the effective date when known — with a print button, so it can be kept.
+ *
+ * Selectors: `[data-cancellation-form]` / `[data-cancellation-step="form|review|receipt"]` (also
+ * `data-step`, `data-language`, `data-mode`), `[data-cancellation-field="kind|reason|name|contract|
+ * effective|date|email"]`, `[data-cancellation-continue]`, `[data-cancellation-confirm]`,
+ * `[data-cancellation-receipt]` (`data-status`, `data-declaration-id`, `data-received-at`,
+ * `data-effective-at`), `[data-cancellation-print]`.
+ */
+export declare const CancellationForm: ({ mode, language: contractLanguage, uiLanguage, defaults, pending, error, receipt, onSubmit, onPrint, onClose, className, }: CancellationFormProps) => import("react").JSX.Element;
+//# sourceMappingURL=cancellation.d.ts.map

package/build/consumer/cancellation.d.ts.map

@@ -0,0 +1 @@
+{"version":3,"file":"cancellation.d.ts","sourceRoot":"","sources":["../../src/consumer/cancellation.tsx"],"names":[],"mappings":"AASA,OAAO,KAAK,EAAE,qBAAqB,EAAmB,MAAM,YAAY,CAAA;AAOxE;;;;;;;;;;;;;;;;GAgBG;AACH,eAAO,MAAM,gBAAgB,gIAG1B,qBAAqB,gCAiLvB,CAAA"}

package/build/consumer/cancellation.js

@@ -0,0 +1,115 @@
+import { Fragment as _Fragment, jsx as _jsx, jsxs as _jsxs } from "react/jsx-runtime";
+import { useEffect, useState } from 'react';
+import { CancellationKind } from '@owlmeans/payment';
+import { cn } from '@/lib/utils';
+import { Button } from '@/components/ui/button';
+import { dayUtc, momentUtc } from '../format.js';
+import { useLegalText, usePaymentText } from './copy.js';
+import { Choice, Field, Honeypot, isEmail } from './fields.js';
+import { ErrorLine, LanguageToggle, useShownLanguage } from './legal.js';
+const isCancellationReceipt = (receipt) => 'status' in receipt;
+/** Today as a UTC calendar day, `YYYY-MM-DD` — the earliest date a termination may name. */
+const todayUtc = () => new Date().toISOString().slice(0, 10);
+/**
+ * The cancellation function (§ 312k BGB "Verträge hier kündigen" → "Jetzt kündigen"; L215-1-1 /
+ * D215-1 "Résilier votre contrat" → a summary → "Notification de la résiliation"), for a public
+ * page reachable without a login and for the same function in-app.
+ *
+ * Step 1 asks for the kind (ordinary, or extraordinary with its reason), the name, the contract or
+ * customer reference, the date (the earliest possible, or a specific one) and the e-mail address
+ * the acknowledgement goes to; a honeypot field no person reaches rides along. Step 2 is the
+ * summary with the statutory confirm button; step 3 the receipt — date and time of receipt in UTC,
+ * the effective date when known — with a print button, so it can be kept.
+ *
+ * Selectors: `[data-cancellation-form]` / `[data-cancellation-step="form|review|receipt"]` (also
+ * `data-step`, `data-language`, `data-mode`), `[data-cancellation-field="kind|reason|name|contract|
+ * effective|date|email"]`, `[data-cancellation-continue]`, `[data-cancellation-confirm]`,
+ * `[data-cancellation-receipt]` (`data-status`, `data-declaration-id`, `data-received-at`,
+ * `data-effective-at`), `[data-cancellation-print]`.
+ */
+export const CancellationForm = ({ mode, language: contractLanguage, uiLanguage, defaults, pending = false, error, receipt, onSubmit, onPrint, onClose, className, }) => {
+    const language = useShownLanguage(contractLanguage, uiLanguage);
+    const legal = useLegalText(language.shown);
+    const text = usePaymentText(language.shown);
+    const [step, setStep] = useState('form');
+    const [kind, setKind] = useState(CancellationKind.Ordinary);
+    const [reason, setReason] = useState('');
+    const [name, setName] = useState(defaults?.name ?? '');
+    const [contractRef, setContractRef] = useState(defaults?.contractRef ?? '');
+    const [effective, setEffective] = useState('earliest');
+    const [date, setDate] = useState('');
+    const [email, setEmail] = useState(defaults?.email ?? '');
+    const [honeypot, setHoneypot] = useState('');
+    const [checked, setChecked] = useState(false);
+    const [submitted, setSubmitted] = useState(null);
+    useEffect(() => {
+        if (receipt == null && submitted != null)
+            setStep('form');
+        // eslint-disable-next-line react-hooks/exhaustive-deps
+    }, [receipt]);
+    const current = receipt != null ? 'receipt' : step;
+    const extraordinary = kind === CancellationKind.Extraordinary;
+    const earliestDate = todayUtc();
+    const errors = {
+        reason: extraordinary && reason.trim() === '' ? text('consumer.required') : null,
+        name: name.trim() === '' ? text('consumer.required') : null,
+        date: effective === 'date' && (!/^\d{4}-\d{2}-\d{2}$/.test(date) || date < earliestDate) ? text('consumer.date-invalid') : null,
+        email: email.trim() === '' ? text('consumer.required') : !isEmail(email.trim()) ? text('consumer.email-invalid') : null,
+    };
+    const shown = (key) => checked ? errors[key] : null;
+    const valid = Object.values(errors).every(value => value == null);
+    const body = () => ({
+        kind,
+        ...(extraordinary ? { reason: reason.trim() } : {}),
+        name: name.trim(),
+        ...(contractRef.trim() !== '' ? { contractRef: contractRef.trim() } : {}),
+        ...(defaults?.subscriptionId != null ? { subscriptionId: defaults.subscriptionId } : {}),
+        effective,
+        ...(effective === 'date' ? { date } : {}),
+        email: email.trim(),
+        language: language.shown,
+        ...(honeypot !== '' ? { honeypot } : {}),
+    });
+    const toReview = () => {
+        setChecked(true);
+        if (valid)
+            setStep('review');
+    };
+    const confirm = async () => {
+        if (!valid || pending)
+            return;
+        const declared = body();
+        setSubmitted(declared);
+        await onSubmit(declared);
+    };
+    const print = () => {
+        if (onPrint != null)
+            onPrint();
+        else if (typeof window !== 'undefined')
+            window.print();
+    };
+    const kindLabel = (value) => legal(value === CancellationKind.Extraordinary
+        ? 'cancellation.kind-extraordinary' : 'cancellation.kind-ordinary');
+    const effectiveLabel = (declared) => declared.effective === 'date' && declared.date != null
+        ? dayUtc(`${declared.date}T00:00:00Z`, language.shown) : legal('cancellation.effective-earliest');
+    const summary = (declared, hook) => _jsxs("dl", { className: "grid grid-cols-[auto_1fr] gap-x-4 gap-y-1.5 rounded-lg border bg-muted/30 p-4 text-sm", ...(hook != null ? { [hook]: '' } : {}), children: [_jsx("dt", { className: "text-muted-foreground", children: legal('cancellation.kind') }), _jsx("dd", { "data-summary": "kind", children: kindLabel(declared.kind) }), declared.reason != null && _jsxs(_Fragment, { children: [_jsx("dt", { className: "text-muted-foreground", children: legal('cancellation.reason') }), _jsx("dd", { "data-summary": "reason", className: "whitespace-pre-wrap", children: declared.reason })] }), _jsx("dt", { className: "text-muted-foreground", children: legal('cancellation.name') }), _jsx("dd", { "data-summary": "name", children: declared.name }), _jsx("dt", { className: "text-muted-foreground", children: legal('cancellation.contract') }), _jsx("dd", { "data-summary": "contract", children: declared.contractRef ?? '—' }), _jsx("dt", { className: "text-muted-foreground", children: legal('cancellation.effective') }), _jsx("dd", { "data-summary": "effective", children: effectiveLabel(declared) }), _jsx("dt", { className: "text-muted-foreground", children: legal('cancellation.email') }), _jsx("dd", { "data-summary": "email", children: declared.email })] });
+    let content;
+    if (current === 'receipt' && receipt != null) {
+        const receivedAt = new Date(receipt.receivedAt);
+        const declared = submitted ?? body();
+        const status = isCancellationReceipt(receipt) ? receipt.status : undefined;
+        const effectiveAt = isCancellationReceipt(receipt) && receipt.effectiveAt != null ? new Date(receipt.effectiveAt) : null;
+        const effectiveKnown = effectiveAt != null && !Number.isNaN(effectiveAt.getTime());
+        content = _jsxs("div", { className: "grid gap-4", "data-cancellation-receipt": "", "data-status": status ?? 'received', "data-declaration-id": receipt.declarationId, "data-received-at": Number.isNaN(receivedAt.getTime()) ? undefined : receivedAt.toISOString(), "data-effective-at": effectiveKnown ? effectiveAt.toISOString() : undefined, children: [_jsx("h3", { className: "text-sm font-medium", children: text('consumer.receipt') }), _jsx("p", { className: "text-sm", children: receipt.mailed
+                        ? legal('cancellation.received', { date: momentUtc(receivedAt, language.shown), email: declared.email })
+                        : `${text('consumer.received-at')}: ${momentUtc(receivedAt, language.shown)} (UTC). ${text('consumer.not-mailed')}` }), effectiveKnown && _jsx("p", { className: "text-sm font-medium", "data-cancellation-effective": "", children: text('cancellation.effective-at', { date: dayUtc(effectiveAt, language.shown) }) }), _jsxs("dl", { className: "grid grid-cols-[auto_1fr] gap-x-4 gap-y-1.5 rounded-lg border p-4 text-sm", children: [_jsx("dt", { className: "text-muted-foreground", children: text('consumer.reference') }), _jsx("dd", { "data-cancellation-reference": "", children: receipt.declarationId }), _jsx("dt", { className: "text-muted-foreground", children: text('consumer.received-at') }), _jsxs("dd", { "data-cancellation-received-at": "", children: [momentUtc(receivedAt, language.shown), " (UTC)"] }), status != null && _jsxs(_Fragment, { children: [_jsx("dt", { className: "text-muted-foreground", children: text('consumer.status') }), _jsx("dd", { "data-cancellation-status": "", children: text(`cancellation.status.${status}`) })] })] }), summary(declared), _jsxs("div", { className: "flex flex-col-reverse gap-2 sm:flex-row sm:justify-end print:hidden", children: [onClose != null && _jsx(Button, { type: "button", variant: "outline", onClick: onClose, children: text('consumer.close') }), _jsx(Button, { type: "button", variant: "outline", onClick: print, "data-cancellation-print": "", children: text('consumer.print') })] })] });
+    }
+    else if (current === 'review') {
+        content = _jsxs("div", { className: "grid gap-4", children: [_jsx("h3", { className: "text-sm font-medium", children: text('consumer.review') }), _jsx("p", { className: "text-sm", children: legal('cancellation.summary') }), summary(body(), 'data-cancellation-summary'), _jsx(ErrorLine, { error: error, text: text }), _jsxs("div", { className: "flex flex-col-reverse gap-2 sm:flex-row sm:justify-end", children: [_jsx(Button, { type: "button", variant: "outline", disabled: pending, onClick: () => setStep('form'), "data-cancellation-back": "", children: text('consumer.back') }), _jsx(Button, { type: "button", disabled: pending || !valid, onClick: () => void confirm(), "data-cancellation-confirm": "", children: pending ? text('consumer.pending') : legal('cancellation.confirm') })] })] });
+    }
+    else {
+        content = _jsxs("form", { className: "relative grid gap-4", noValidate: true, onSubmit: event => { event.preventDefault(); toReview(); }, children: [_jsxs("fieldset", { className: "grid gap-2", children: [_jsx("legend", { className: "mb-1 text-sm font-medium", children: legal('cancellation.kind') }), [CancellationKind.Ordinary, CancellationKind.Extraordinary].map(value => _jsx(Choice, { id: `cancellation-kind-${value}`, name: "cancellation-kind", checked: kind === value, onSelect: () => setKind(value), disabled: pending, hook: { 'data-cancellation-field': 'kind', 'data-kind': value }, children: kindLabel(value) }, value))] }), extraordinary && _jsx(Field, { id: "cancellation-reason", label: legal('cancellation.reason'), value: reason, onChange: setReason, error: shown('reason'), disabled: pending, multiline: true, hook: { 'data-cancellation-field': 'reason' } }), _jsx(Field, { id: "cancellation-name", label: legal('cancellation.name'), value: name, onChange: setName, error: shown('name'), autoComplete: "name", disabled: pending, hook: { 'data-cancellation-field': 'name' } }), _jsx(Field, { id: "cancellation-contract", label: legal('cancellation.contract'), value: contractRef, onChange: setContractRef, disabled: pending, hook: { 'data-cancellation-field': 'contract' } }), _jsxs("fieldset", { className: "grid gap-2", children: [_jsx("legend", { className: "mb-1 text-sm font-medium", children: legal('cancellation.effective') }), _jsx(Choice, { id: "cancellation-effective-earliest", name: "cancellation-effective", checked: effective === 'earliest', onSelect: () => setEffective('earliest'), disabled: pending, hook: { 'data-cancellation-field': 'effective', 'data-effective': 'earliest' }, children: legal('cancellation.effective-earliest') }), _jsx(Choice, { id: "cancellation-effective-date", name: "cancellation-effective", checked: effective === 'date', onSelect: () => setEffective('date'), disabled: pending, hook: { 'data-cancellation-field': 'effective', 'data-effective': 'date' }, children: legal('cancellation.effective-date') }), effective === 'date' && _jsx(Field, { id: "cancellation-date", type: "date", label: legal('cancellation.effective-date'), value: date, onChange: setDate, min: earliestDate, error: shown('date'), disabled: pending, hook: { 'data-cancellation-field': 'date' } })] }), _jsx(Field, { id: "cancellation-email", type: "email", label: legal('cancellation.email'), value: email, onChange: setEmail, error: shown('email'), autoComplete: "email", disabled: pending, hook: { 'data-cancellation-field': 'email' } }), _jsx(Honeypot, { id: "cancellation-website", label: text('consumer.website'), value: honeypot, onChange: setHoneypot }), _jsx(ErrorLine, { error: error, text: text }), _jsx("div", { className: "flex justify-end", children: _jsx(Button, { type: "submit", disabled: pending, "data-cancellation-continue": "", children: text('consumer.continue') }) })] });
+    }
+    return _jsxs("section", { className: cn('grid gap-4', className), "data-cancellation-section": "", "data-language": language.shown, children: [_jsxs("header", { className: "grid gap-1.5", lang: language.shown, children: [_jsx("h2", { className: "text-lg font-semibold leading-none", children: legal('cancellation.title') }), current === 'form' && _jsx("p", { className: "text-muted-foreground text-sm", children: legal('cancellation.intro') })] }), _jsx(LanguageToggle, { language: language, hook: "data-cancellation-language-toggle" }), _jsx("div", { "data-cancellation-form": "", "data-cancellation-step": current, "data-step": current, "data-mode": mode, "data-language": language.shown, lang: language.shown, className: "grid gap-4", children: content })] });
+};
+//# sourceMappingURL=cancellation.js.map

package/build/consumer/cancellation.js.map

@@ -0,0 +1 @@
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package/build/consumer/copy.d.ts

@@ -0,0 +1,23 @@
+import type { CopyValues } from '@owlmeans/payment';
+/** A translator bound to ONE language, whatever the active i18n language is. */
+export type FixedText = (key: string, values?: CopyValues) => string;
+/**
+ * The package's own interface strings (`web-payment`, library tier, any application override
+ * included) in a FIXED language, merged key by key over English — no i18next instance and no
+ * draining (`resolveI18nResource`). What lets a consumer-rights dialog render wholly in the
+ * contract language while the rest of the page stays in the interface language.
+ */
+export declare const paymentTextOf: (lng: string) => FixedText;
+/**
+ * The legal copy of `@owlmeans/payment` (`payment-consumer-rights`) in a fixed language. A text
+ * that cannot be rendered in the language (a broken application override) falls back to English
+ * rather than blanking the page; one that cannot be rendered at all is `''`.
+ */
+export declare const legalTextOf: (lng: string) => FixedText;
+/** `paymentTextOf(lng)`, memoised for the language. */
+export declare const usePaymentText: (lng: string) => FixedText;
+/** `legalTextOf(lng)`, memoised for the language. */
+export declare const useLegalText: (lng: string) => FixedText;
+/** A language's own name in another language (`de` in `en` → "German"); the code when unknown. */
+export declare const languageNameOf: (lng: string, inLanguage: string) => string;
+//# sourceMappingURL=copy.d.ts.map