@payment-kit-js/vanilla 0.5.17 → 0.5.18

package/dist/payment-methods/apple-pay.mjs.map

@@ -1 +1 @@
-{"version":3,"file":"apple-pay.mjs","names":["preparedStripeState: PreparedStripeApplePayState | null","preparedAirwallexState: PreparedAirwallexState | null","applePayScriptLoadPromise: Promise<void> | null","airwallexMockScenario: AirwallexApplePayMockScenario","config: AirwallexApplePayConfig","submitPayment: TInternalFuncs[\"submitPayment\"]","paymentResult","confirmResult","paymentMethodId","billingDetails","autoPrepareConfig: AutoPrepareConfig | null","onApplePayReadyCallbacks: ((isReady: boolean) => void)[]","pendingAutoPrepareArgs: { apiBaseUrl: string; secureToken: string; environment: string } | null","pendingPrepareResolvers: (() => void)[]"],"sources":["../../src/payment-methods/apple-pay.ts"],"sourcesContent":["import type { PaymentKitErrors, PaymentKitStates, TInternalFuncs } from \"../types\";\nimport { collectFraudMetadata, definePaymentMethod, getOrCreateCheckoutRequestId } from \"../utils\";\nimport {\n  AirwallexApplePayAdapter,\n  type AirwallexApplePayConfig,\n  AirwallexApplePayMockScenario,\n  type ApplePayEncryptedToken,\n} from \"./airwallex-apple-pay-adapter\";\nimport { handleNextAction } from \"./next-action-handlers\";\nimport { ApplePayMockScenario, StripeApplePayAdapter } from \"./stripe-apple-pay-adapter\";\n\n// Apple Pay-specific types\nexport type ApplePayCustomerInfo = {\n  first_name: string;\n  last_name: string;\n  email?: string;\n};\n\nexport type ApplePayStartRequest = {\n  processor_id: string;\n  // Airwallex-only fields. Stripe /apple-pay/start is a pure read and\n  // ignores these — customer_info/fraud_metadata are sent to /apple-pay/confirm\n  // instead, where the customer + checkout attempt + PaymentIntent are created.\n  customer_info?: ApplePayCustomerInfo;\n  fraud_metadata?: {\n    ipAddress?: string;\n    browserInfo?: { [key: string]: unknown };\n    processorFraudInfo?: { [key: string]: unknown };\n  };\n  mock_scenario?: string;\n  // Airwallex-specific fields (sent on /start for merchant validation)\n  validation_url?: string;\n  initiative_context?: string;\n};\n\nexport type ApplePayStartResponse = {\n  amount: number;\n  currency: string;\n  country: string;\n\n  // Stripe-specific (when calling /apple-pay/start)\n  stripe_pk?: string;\n\n  // Airwallex-specific (when calling /airwallex/apple-pay/start). Stripe's\n  // /start does not create a checkout attempt — it's deferred to /confirm.\n  checkout_attempt_id?: string;\n  merchant_session?: { [key: string]: unknown }; // Apple merchant session for completeMerchantValidation()\n};\n\n// Airwallex 3DS next action type (matches backend snake_case response)\nexport type Airwallex3dsNextAction = {\n  type: \"airwallex_3ds\";\n  url: string;\n};\n\nexport type ApplePayConfirmRequest = {\n  // Stripe-only: moved from /start (where they used to drive customer/PI\n  // creation). At confirm time, the Stripe path creates the customer, checkout\n  // attempt, and PaymentIntent in a single call.\n  processor_id?: string;\n  customer_info?: ApplePayCustomerInfo;\n  fraud_metadata?: {\n    ipAddress?: string;\n    browserInfo?: { [key: string]: unknown };\n    processorFraudInfo?: { [key: string]: unknown };\n  };\n  // Stripe: Send PaymentMethod ID\n  payment_method_id?: string;\n  // Airwallex: Send encrypted Apple Pay token\n  apple_pay_token?: ApplePayEncryptedToken | { [key: string]: unknown };\n  // Email from payment sheet (Stripe Apple Pay) — used to fill missing customer email\n  payer_email?: string;\n  // Name from payment sheet — used to fill missing customer name\n  payer_first_name?: string;\n  payer_last_name?: string;\n  mock_scenario?: string;\n};\n\nexport type ApplePayConfirmResponse = {\n  charge_status: \"success\" | \"fail\" | \"pending\";\n  transaction_id?: string;\n  error_code?: string;\n  error_message_for_customer?: string;\n  error_message_for_debug?: string;\n  checkout_attempt_id: string;\n  checkout_session_id?: string;\n  next_action?: Airwallex3dsNextAction; // Present when charge_status=\"pending\" for 3DS\n  payment_intent_id?: string;\n  customer_id?: string;\n  payment_method_id?: string;\n  processor_used?: string;\n  subscription_id?: string;\n  invoice_id?: string;\n  invoice_number?: number;\n  card_brand?: string;\n  card_last4?: string;\n  card_exp_month?: number;\n  card_exp_year?: number;\n};\n\nexport type ApplePaySubmitOptions = {\n  /** Processor external ID — optional when using auto-prepare (SDK fetches from checkout session) */\n  processorId?: string;\n  processorType?: \"stripe\" | \"airwallex\";\n  customerInfo: ApplePayCustomerInfo;\n  mockScenario?: ApplePayMockScenario;\n  amount?: number; // Amount in atomic units (cents) for Apple Pay sheet display\n  currency?: string; // Currency code (e.g., \"usd\")\n  /** Country code — optional when using auto-prepare (fetched from backend) */\n  country?: string;\n  merchantName?: string; // Merchant display name on Apple Pay sheet\n};\n\ntype ApplePayResult =\n  | { data: { [key: string]: unknown }; errors?: undefined }\n  | { data?: undefined; errors: PaymentKitErrors };\n\n// =============================================================================\n// Prepared Payment State (for Stripe pre-fetching before click)\n// =============================================================================\n\ntype PreparedStripeApplePayState = {\n  processor: \"stripe\";\n  adapter: StripeApplePayAdapter;\n  startData: ApplePayStartResponse;\n  mockScenarioStr?: string;\n  checkoutRequestId: string;\n};\n\n// Global state to store prepared Apple Pay data (Stripe only - Airwallex uses native session)\nlet preparedStripeState: PreparedStripeApplePayState | null = null;\n\n// Prepared Airwallex state — persists options from prepare call for use at submit time\n// The amount field is fetched from the session via /session-info endpoint to fix\n// the $0.00 bug where options.amount was undefined and defaulted to 0.\ntype PreparedAirwallexState = {\n  country: string;\n  currency?: string;\n  amount?: number;\n  merchantName?: string;\n};\nlet preparedAirwallexState: PreparedAirwallexState | null = null;\n\n// Response type for Airwallex Apple Pay session-info endpoint\ntype AirwallexSessionInfoResponse = {\n  amount: number;\n  currency: string;\n  country: string;\n};\n\n// =============================================================================\n// Auto-Prepare State\n// =============================================================================\n\ntype AutoPrepareConfig = {\n  processorId: string;\n  processorType: \"airwallex\" | \"stripe\" | undefined;\n};\n\ntype CheckoutSessionConfig = {\n  express_checkout_processor_id?: string | null;\n  express_checkout_processor_type?: string | null;\n};\n\n// =============================================================================\n// Apple Pay SDK Loader\n// =============================================================================\n\n// Loads Apple's JS SDK, which makes window.ApplePaySession available in non-Safari\n// browsers (Chrome, Firefox, etc.) and enables the \"Scan Code with iPhone\" QR flow.\nlet applePayScriptLoadPromise: Promise<void> | null = null;\nasync function loadApplePayScript(): Promise<void> {\n  if (typeof window === \"undefined\") return;\n  if (window.ApplePaySession) return;\n  if (document.getElementById(\"__pk_apple_pay_sdk\")) {\n    // Tag exists — if we have a cached promise, wait for it; otherwise the tag\n    // already resolved (e.g. after a module reload) so return immediately.\n    return applePayScriptLoadPromise ?? Promise.resolve();\n  }\n  applePayScriptLoadPromise = new Promise<void>((resolve, reject) => {\n    const script = document.createElement(\"script\");\n    script.id = \"__pk_apple_pay_sdk\";\n    script.src = \"https://applepay.cdn-apple.com/jsapi/1.latest/apple-pay-sdk.js\";\n    script.crossOrigin = \"anonymous\";\n    // NOTE: Apple doesn't publish stable SRI hashes for the 1.latest pointer,\n    // so integrity checking is omitted. CSP must allow script-src https://applepay.cdn-apple.com.\n    script.onload = () => resolve();\n    script.onerror = () => {\n      // Clear cached state so the next prepareApplePay call can retry.\n      applePayScriptLoadPromise = null;\n      document.getElementById(\"__pk_apple_pay_sdk\")?.remove();\n      reject(new Error(\"Failed to load Apple Pay SDK\"));\n    };\n    document.head.appendChild(script);\n  });\n  return applePayScriptLoadPromise;\n}\n\n// =============================================================================\n// Helper Functions\n// =============================================================================\n\nasync function apiCall<T>(\n  url: string,\n  options: RequestInit,\n  checkoutRequestId?: string,\n): Promise<{ data?: T; error?: string }> {\n  const headers = new Headers(options.headers);\n  if (checkoutRequestId) {\n    headers.set(\"x-request-id\", checkoutRequestId);\n  }\n\n  const response = await fetch(url, { ...options, headers });\n  if (!response.ok) {\n    let errorMessage = `Request failed (${response.status})`;\n    try {\n      const errorData = await response.json();\n      errorMessage = errorData.detail || errorMessage;\n    } catch {\n      errorMessage = response.statusText || errorMessage;\n    }\n    return { error: errorMessage };\n  }\n  return { data: await response.json() };\n}\n\nfunction validateOptions(options: ApplePaySubmitOptions): PaymentKitErrors | null {\n  if (!options?.processorId) {\n    return { processor_id: \"Processor ID is required\" };\n  }\n  // For Airwallex, country is required (either directly or from prepared state)\n  if (options.processorType === \"airwallex\" && !options.country && !preparedAirwallexState?.country) {\n    return { country: \"Country is required for Airwallex Apple Pay\" };\n  }\n  return null;\n}\n\nfunction getMockScenarioStr(mockScenario?: ApplePayMockScenario): string | undefined {\n  return mockScenario && mockScenario !== ApplePayMockScenario.None ? mockScenario : undefined;\n}\n\n// =============================================================================\n// Stripe Apple Pay Flow\n// =============================================================================\n\nasync function callStripeStartEndpoint(\n  apiBaseUrl: string,\n  secureToken: string,\n  options: ApplePaySubmitOptions,\n  checkoutRequestId?: string,\n): Promise<{ data?: ApplePayStartResponse; error?: string }> {\n  // /apple-pay/start is now a pure read: it returns stripe_pk + sheet data\n  // (amount/currency/country). Customer/CheckoutAttempt/PaymentIntent are\n  // created in /apple-pay/confirm once the user authorizes the sheet.\n  return apiCall<ApplePayStartResponse>(\n    `${apiBaseUrl}/api/checkout/${secureToken}/apple-pay/start`,\n    {\n      method: \"POST\",\n      headers: { \"Content-Type\": \"application/json\" },\n      body: JSON.stringify({\n        processor_id: options.processorId,\n      } as ApplePayStartRequest),\n    },\n    checkoutRequestId,\n  );\n}\n\nfunction initializeStripeAdapter(\n  stripePk: string,\n  mockScenario?: ApplePayMockScenario,\n): { adapter?: StripeApplePayAdapter; error?: string } {\n  const adapter = new StripeApplePayAdapter(mockScenario);\n\n  if (!adapter.initialize(stripePk)) {\n    return { error: 'Stripe.js not loaded. Add <script src=\"https://js.stripe.com/v3/\"></script> to your page.' };\n  }\n\n  return { adapter };\n}\n\nasync function callStripeConfirmEndpoint(\n  apiBaseUrl: string,\n  secureToken: string,\n  options: ApplePaySubmitOptions,\n  paymentMethodId: string,\n  mockScenarioStr?: string,\n  checkoutRequestId?: string,\n  payerEmail?: string,\n): Promise<ApplePayResult> {\n  // /apple-pay/confirm now carries the fields that used to live on /start —\n  // processor_id, customer_info, fraud_metadata — because the customer,\n  // checkout attempt, and Stripe PaymentIntent are all created here.\n  const result = await apiCall<ApplePayConfirmResponse>(\n    `${apiBaseUrl}/api/checkout/${secureToken}/apple-pay/confirm`,\n    {\n      method: \"POST\",\n      headers: { \"Content-Type\": \"application/json\" },\n      body: JSON.stringify({\n        processor_id: options.processorId,\n        customer_info: options.customerInfo,\n        fraud_metadata: collectFraudMetadata(),\n        payment_method_id: paymentMethodId,\n        payer_email: payerEmail,\n        mock_scenario: mockScenarioStr,\n      } as ApplePayConfirmRequest),\n    },\n    checkoutRequestId,\n  );\n\n  if (result.error || !result.data) {\n    return { errors: { apple_pay: result.error || \"Failed to confirm payment\" } };\n  }\n\n  const confirmData = result.data;\n\n  if (confirmData.charge_status === \"success\") {\n    return {\n      data: {\n        id: confirmData.transaction_id,\n        checkoutAttemptId: confirmData.checkout_attempt_id,\n        checkoutSessionId: confirmData.checkout_session_id ?? secureToken,\n        state: \"checkout_succeeded\",\n        paymentIntentId: confirmData.payment_intent_id,\n        customerId: confirmData.customer_id,\n        paymentMethodId: confirmData.payment_method_id,\n        processorUsed: confirmData.processor_used,\n        subscriptionId: confirmData.subscription_id,\n        invoiceId: confirmData.invoice_id,\n        invoiceNumber: confirmData.invoice_number,\n        cardBrand: confirmData.card_brand,\n        cardLast4: confirmData.card_last4,\n        cardExpMonth: confirmData.card_exp_month,\n        cardExpYear: confirmData.card_exp_year,\n        errorCode: confirmData.error_code,\n        errorMessageForCustomer: confirmData.error_message_for_customer,\n        errorMessageForDebug: confirmData.error_message_for_debug,\n        nextAction: confirmData.next_action,\n      },\n    };\n  }\n\n  return {\n    errors: {\n      apple_pay: confirmData.error_message_for_customer || confirmData.error_message_for_debug || \"Payment failed\",\n    },\n  };\n}\n\n// =============================================================================\n// Prepare Function (call BEFORE the click handler)\n// =============================================================================\n\n/**\n * Pre-fetch Apple Pay data and prepare the PaymentRequest.\n * Call this when the checkout page loads, NOT in the click handler.\n *\n * For Stripe: pre-fetches data and prepares PaymentRequest for immediate show.\n * For Airwallex: returns success with processor=\"airwallex\" so submit uses native ApplePaySession.\n *\n * @deprecated The SDK now calls this automatically on init. Use `onApplePayReady` to observe\n * readiness and `notifyAmountChanged` to trigger re-prepare after amount changes.\n */\nexport async function prepareApplePay(\n  apiBaseUrl: string,\n  secureToken: string,\n  options: ApplePaySubmitOptions,\n  environment: string,\n): Promise<{ success: boolean; error?: string; applePay?: boolean }> {\n  console.log(\"[ApplePay] prepareApplePay called\");\n\n  // Clear any previous state\n  preparedStripeState = null;\n\n  const mockScenarioStr = getMockScenarioStr(options.mockScenario);\n  const checkoutRequestId = getOrCreateCheckoutRequestId(environment);\n  console.log(`[ApplePay] Using checkout_request_id: ${checkoutRequestId}`);\n\n  // Airwallex: Load Apple Pay SDK (enables QR code flow in non-Safari browsers),\n  // then fetch session info to get the correct amount from line items.\n  // This fixes the $0.00 bug where options.amount was undefined and defaulted to 0.\n  if (options.processorType === \"airwallex\") {\n    console.log(\"[ApplePay] Airwallex processor - loading Apple Pay SDK, fetching session info for amount\");\n\n    // In mock mode, skip SDK loading and availability check (jsdom has no ApplePaySession)\n    if (!mockScenarioStr) {\n      try {\n        await loadApplePayScript();\n      } catch (err) {\n        console.error(\"[ApplePay] Failed to load Apple Pay SDK:\", err);\n        return { success: false, error: \"Failed to load Apple Pay\" };\n      }\n\n      let canMake = false;\n      try {\n        canMake = !!window.ApplePaySession?.canMakePayments();\n      } catch {\n        canMake = false;\n      }\n      if (!canMake) {\n        console.log(\"[ApplePay] Apple Pay not available on this device/browser\");\n        return { success: false, error: \"Apple Pay not available on this device\" };\n      }\n    }\n\n    // Fetch session info (amount, currency, country) from backend\n    const sessionInfoResult = await callAirwallexSessionInfoEndpoint(apiBaseUrl, secureToken, checkoutRequestId);\n\n    if (sessionInfoResult.error || !sessionInfoResult.data) {\n      console.error(\"[ApplePay] Failed to fetch session info:\", sessionInfoResult.error);\n      return { success: false, error: sessionInfoResult.error || \"Failed to fetch Apple Pay session info\" };\n    }\n\n    console.log(\"[ApplePay] Got session info:\", sessionInfoResult.data);\n    const resolvedAmount = sessionInfoResult.data.amount;\n    const resolvedCurrency = sessionInfoResult.data.currency;\n    const resolvedCountry = sessionInfoResult.data.country || options.country;\n\n    preparedAirwallexState = {\n      country: resolvedCountry,\n      currency: resolvedCurrency,\n      amount: resolvedAmount,\n      merchantName: options.merchantName,\n    };\n    console.log(\"[ApplePay] Airwallex prepared state:\", preparedAirwallexState);\n    return { success: true, applePay: true };\n  }\n\n  // Call Stripe start endpoint to fetch stripe_pk + sheet display data\n  const startResult = await callStripeStartEndpoint(\n    apiBaseUrl,\n    secureToken,\n    options,\n    checkoutRequestId,\n  );\n  if (startResult.error || !startResult.data) {\n    return { success: false, error: startResult.error || \"Failed to start Apple Pay\" };\n  }\n\n  const startData = startResult.data;\n\n  // Initialize Stripe adapter\n  if (!startData.stripe_pk) {\n    return { success: false, error: \"Stripe publishable key not provided\" };\n  }\n\n  const { adapter, error: adapterError } = initializeStripeAdapter(startData.stripe_pk, options.mockScenario);\n  if (!adapter) {\n    return { success: false, error: adapterError };\n  }\n\n  // Create PaymentRequest and call canMakePayment() (required before show())\n  const prepareResult = await adapter.preparePaymentRequest({\n    country: startData.country,\n    currency: startData.currency.toLowerCase(),\n    total: {\n      label: \"Total\",\n      amount: startData.amount,\n    },\n  });\n\n  if (!prepareResult.success) {\n    return {\n      success: false,\n      error: prepareResult.error || \"Failed to prepare payment request\",\n      applePay: prepareResult.applePay,\n    };\n  }\n\n  if (!prepareResult.applePay) {\n    return {\n      success: false,\n      error: \"Apple Pay is not available on this device or Stripe account\",\n      applePay: false,\n    };\n  }\n\n  // Store the prepared state\n  preparedStripeState = {\n    processor: \"stripe\",\n    adapter,\n    startData,\n    mockScenarioStr,\n    checkoutRequestId,\n  };\n\n  console.log(\"[ApplePay] prepareApplePay success (Stripe), ready for click\");\n  return { success: true, applePay: true };\n}\n\n/**\n * Check if Apple Pay has been prepared and is ready.\n */\nexport function isApplePayPrepared(): boolean {\n  return (preparedStripeState?.adapter.isPrepared() ?? false) || preparedAirwallexState !== null;\n}\n\n/**\n * Clear prepared state (call on unmount or when checkout changes).\n */\nexport function clearPreparedApplePay(): void {\n  if (preparedStripeState) {\n    preparedStripeState.adapter.clearPrepared();\n  }\n  preparedStripeState = null;\n  preparedAirwallexState = null;\n}\n\n// =============================================================================\n// Airwallex Apple Pay Flow\n// =============================================================================\n\n/**\n * Fetch session info (amount, currency, country) from the backend.\n * Called during prepareApplePay to get the correct amount BEFORE showing the payment sheet.\n * This fixes the $0.00 bug where options.amount was undefined and defaulted to 0.\n */\nasync function callAirwallexSessionInfoEndpoint(\n  apiBaseUrl: string,\n  secureToken: string,\n  checkoutRequestId?: string,\n): Promise<{ data?: AirwallexSessionInfoResponse; error?: string }> {\n  return apiCall<AirwallexSessionInfoResponse>(\n    `${apiBaseUrl}/api/checkout/${secureToken}/airwallex/apple-pay/session-info`,\n    {\n      method: \"GET\",\n      headers: { \"Content-Type\": \"application/json\" },\n    },\n    checkoutRequestId,\n  );\n}\n\nasync function callAirwallexStartEndpoint(\n  apiBaseUrl: string,\n  secureToken: string,\n  options: ApplePaySubmitOptions,\n  validationUrl: string,\n  initiativeContext: string,\n  mockScenarioStr?: string,\n  checkoutRequestId?: string,\n): Promise<{ data?: ApplePayStartResponse; error?: string }> {\n  return apiCall<ApplePayStartResponse>(\n    `${apiBaseUrl}/api/checkout/${secureToken}/airwallex/apple-pay/start`,\n    {\n      method: \"POST\",\n      headers: { \"Content-Type\": \"application/json\" },\n      body: JSON.stringify({\n        processor_id: options.processorId,\n        customer_info: options.customerInfo,\n        fraud_metadata: collectFraudMetadata(),\n        validation_url: validationUrl,\n        initiative_context: initiativeContext,\n        mock_scenario: mockScenarioStr,\n      } as ApplePayStartRequest),\n    },\n    checkoutRequestId,\n  );\n}\n\nasync function callAirwallexConfirmEndpoint(\n  apiBaseUrl: string,\n  secureToken: string,\n  applePayToken: ApplePayEncryptedToken,\n  mockScenarioStr?: string,\n  checkoutRequestId?: string,\n  payerEmail?: string,\n  payerFirstName?: string,\n  payerLastName?: string,\n): Promise<ApplePayConfirmResponse> {\n  const result = await apiCall<ApplePayConfirmResponse>(\n    `${apiBaseUrl}/api/checkout/${secureToken}/airwallex/apple-pay/confirm`,\n    {\n      method: \"POST\",\n      headers: { \"Content-Type\": \"application/json\" },\n      body: JSON.stringify({\n        apple_pay_token: applePayToken,\n        payer_email: payerEmail,\n        payer_first_name: payerFirstName,\n        payer_last_name: payerLastName,\n        mock_scenario: mockScenarioStr,\n      } as ApplePayConfirmRequest),\n    },\n    checkoutRequestId,\n  );\n\n  if (result.error || !result.data) {\n    return {\n      charge_status: \"fail\",\n      error_message_for_debug: result.error || \"Failed to confirm payment\",\n      checkout_attempt_id: \"\",\n    };\n  }\n\n  return result.data;\n}\n\nasync function callAirwallexVerifyEndpoint(\n  apiBaseUrl: string,\n  secureToken: string,\n  checkoutRequestId?: string,\n): Promise<ApplePayConfirmResponse> {\n  const result = await apiCall<ApplePayConfirmResponse>(\n    `${apiBaseUrl}/api/checkout/${secureToken}/airwallex/apple-pay/verify`,\n    {\n      method: \"POST\",\n      headers: { \"Content-Type\": \"application/json\" },\n    },\n    checkoutRequestId,\n  );\n\n  if (result.error || !result.data) {\n    return {\n      charge_status: \"fail\",\n      error_message_for_debug: result.error || \"Failed to verify payment\",\n      checkout_attempt_id: \"\",\n    };\n  }\n\n  return result.data;\n}\n\nfunction toApplePayResult(response: ApplePayConfirmResponse, secureToken: string): ApplePayResult {\n  if (response.charge_status === \"success\") {\n    return {\n      data: {\n        id: response.transaction_id,\n        checkoutAttemptId: response.checkout_attempt_id,\n        checkoutSessionId: response.checkout_session_id ?? secureToken,\n        state: \"checkout_succeeded\",\n        paymentIntentId: response.payment_intent_id,\n        customerId: response.customer_id,\n        paymentMethodId: response.payment_method_id,\n        processorUsed: response.processor_used,\n        subscriptionId: response.subscription_id,\n        invoiceId: response.invoice_id,\n        invoiceNumber: response.invoice_number,\n        cardBrand: response.card_brand,\n        cardLast4: response.card_last4,\n        cardExpMonth: response.card_exp_month,\n        cardExpYear: response.card_exp_year,\n        errorCode: response.error_code,\n        errorMessageForCustomer: response.error_message_for_customer,\n        errorMessageForDebug: response.error_message_for_debug,\n        nextAction: response.next_action,\n      },\n    };\n  }\n  return {\n    errors: {\n      apple_pay: response.error_message_for_customer || response.error_message_for_debug || \"Payment failed\",\n    },\n  };\n}\n\nconst MAX_USER_ACTIONS = 5;\n\n/**\n * Run the Airwallex Apple Pay flow with 3DS loop support.\n *\n * Flow:\n * 1. Show native ApplePaySession, call /start for merchant validation\n * 2. On payment authorized, call /confirm with token\n * 3. If 3DS required, handle it and call /verify\n * 4. Loop if more 3DS needed\n */\nasync function runAirwallexFlow(\n  apiBaseUrl: string,\n  secureToken: string,\n  options: ApplePaySubmitOptions,\n  mockScenarioStr?: string,\n  checkoutRequestId?: string,\n): Promise<ApplePayResult> {\n  // Convert mock scenario\n  let airwallexMockScenario: AirwallexApplePayMockScenario = AirwallexApplePayMockScenario.None;\n  if (options.mockScenario === ApplePayMockScenario.Success) {\n    airwallexMockScenario = AirwallexApplePayMockScenario.Success;\n  } else if (options.mockScenario === ApplePayMockScenario.Cancelled) {\n    airwallexMockScenario = AirwallexApplePayMockScenario.Cancelled;\n  }\n\n  // Defense-in-depth: validateOptions should catch this earlier, but guard against\n  // future callers that bypass validation to avoid an unhandled TypeError on `.toUpperCase()`\n  if (!options.country) {\n    return { errors: { apple_pay: \"Country is required for Airwallex Apple Pay\" } };\n  }\n\n  // Auto-fetch amount from session if not provided (e.g. merchant didn't call prepareApplePay first)\n  if (!options.amount) {\n    const sessionInfoResult = await callAirwallexSessionInfoEndpoint(apiBaseUrl, secureToken, checkoutRequestId);\n    if (sessionInfoResult.data) {\n      options.amount = sessionInfoResult.data.amount;\n      options.currency = options.currency || sessionInfoResult.data.currency;\n      options.country = options.country || sessionInfoResult.data.country;\n    }\n  }\n\n  // Initialize adapter\n  const adapter = new AirwallexApplePayAdapter(airwallexMockScenario);\n\n  const config: AirwallexApplePayConfig = {\n    amount: options.amount || 0,\n    currency: (options.currency || \"USD\").toUpperCase(),\n    country: options.country.toUpperCase(),\n    merchantName: options.merchantName || \"Total\",\n  };\n\n  if (!adapter.initialize(config)) {\n    return { errors: { apple_pay: \"Apple Pay not available on this device\" } };\n  }\n\n  const canPay = await adapter.canMakePayment();\n  if (!canPay) {\n    return { errors: { apple_pay: \"Apple Pay not available on this device\" } };\n  }\n\n  // Get current domain for initiative_context\n  const initiativeContext = typeof window !== \"undefined\" ? window.location.hostname : \"\";\n\n  // In mock mode, call /start first to create checkout attempt (mock adapter skips merchant validation)\n  if (airwallexMockScenario !== AirwallexApplePayMockScenario.None) {\n    const startResult = await callAirwallexStartEndpoint(\n      apiBaseUrl,\n      secureToken,\n      options,\n      \"https://mock-apple-pay-gateway.example.com/paymentservices/startSession\",\n      initiativeContext,\n      mockScenarioStr,\n      checkoutRequestId,\n    );\n    if (startResult.error || !startResult.data) {\n      return { errors: { apple_pay: startResult.error || \"Failed to start mock checkout\" } };\n    }\n  }\n\n  // Show Apple Pay sheet with merchant validation callback\n  const paymentResult = await adapter.showPaymentSheet(async (validationUrl: string) => {\n    // Call /start endpoint for merchant validation\n    const startResult = await callAirwallexStartEndpoint(\n      apiBaseUrl,\n      secureToken,\n      options,\n      validationUrl,\n      initiativeContext,\n      mockScenarioStr,\n      checkoutRequestId,\n    );\n\n    if (startResult.error || !startResult.data) {\n      return { error: startResult.error || \"Merchant validation failed\" };\n    }\n\n    if (!startResult.data.merchant_session) {\n      return { error: \"No merchant session returned from server\" };\n    }\n\n    return { merchantSession: startResult.data.merchant_session };\n  });\n\n  if (!paymentResult.success) {\n    if (\"cancelled\" in paymentResult && paymentResult.cancelled) {\n      return { errors: { apple_pay: \"Apple Pay cancelled by user\" } };\n    }\n    return { errors: { apple_pay: paymentResult.error || \"Apple Pay failed\" } };\n  }\n\n  const { token, complete, payerEmail, payerFirstName, payerLastName } = paymentResult;\n\n  // Call /confirm with the token\n  let response = await callAirwallexConfirmEndpoint(\n    apiBaseUrl,\n    secureToken,\n    token,\n    mockScenarioStr,\n    checkoutRequestId,\n    payerEmail,\n    payerFirstName,\n    payerLastName,\n  );\n\n  // Handle 3DS loop\n  let userActionCount = 0;\n  while (response.charge_status === \"pending\" && response.next_action && userActionCount < MAX_USER_ACTIONS) {\n    userActionCount++;\n\n    // Handle 3DS challenge — Airwallex3dsNextAction is structurally identical to SDK's Airwallex3dsAction\n    const nextAction = response.next_action as Airwallex3dsNextAction;\n    const actionResult = await handleNextAction({ type: nextAction.type, url: nextAction.url });\n\n    // Call verify endpoint\n    const verifyResponse = await callAirwallexVerifyEndpoint(apiBaseUrl, secureToken, checkoutRequestId);\n\n    // Check if another 3DS action is required\n    if (verifyResponse.charge_status === \"pending\" && verifyResponse.next_action) {\n      if (!actionResult.success) {\n        console.log(\"[ApplePay:Airwallex] 3DS failed but retry available, continuing loop...\");\n      }\n      response = verifyResponse;\n      continue;\n    }\n\n    // No more actions - check final result\n    if (!actionResult.success) {\n      complete(\"fail\");\n      return {\n        errors: {\n          apple_pay:\n            verifyResponse.error_message_for_customer ||\n            verifyResponse.error_message_for_debug ||\n            actionResult.error ||\n            \"3DS authentication failed\",\n        },\n      };\n    }\n\n    // 3DS succeeded\n    complete(verifyResponse.charge_status === \"success\" ? \"success\" : \"fail\");\n    return toApplePayResult(verifyResponse, secureToken);\n  }\n\n  // Check for max attempts exceeded\n  if (userActionCount >= MAX_USER_ACTIONS) {\n    complete(\"fail\");\n    return { errors: { apple_pay: \"Too many authentication attempts. Please try again.\" } };\n  }\n\n  // No 3DS required - complete with result\n  complete(response.charge_status === \"success\" ? \"success\" : \"fail\");\n  return toApplePayResult(response, secureToken);\n}\n\n// =============================================================================\n// Main Submit Function\n// =============================================================================\n\nconst defSubmitPayment = (\n  states: PaymentKitStates,\n  getAutoPrepareConfig: () => AutoPrepareConfig | null,\n  onClearPrepared: () => void,\n) => {\n  const submitPayment: TInternalFuncs[\"submitPayment\"] = async (_fields, options) => {\n    const { apiBaseUrl, secureToken, environment } = states;\n    const applePayOptions = options as ApplePaySubmitOptions;\n\n    // Fill in processorId/processorType from auto-prepare config if merchant didn't provide them\n    const autoPrepareConfig = getAutoPrepareConfig();\n    if (!applePayOptions.processorId && autoPrepareConfig?.processorId) {\n      applePayOptions.processorId = autoPrepareConfig.processorId;\n    }\n    if (!applePayOptions.processorType && autoPrepareConfig?.processorType) {\n      applePayOptions.processorType = autoPrepareConfig.processorType;\n    }\n\n    // Validate options\n    const validationError = validateOptions(applePayOptions);\n    if (validationError) {\n      return { errors: validationError };\n    }\n\n    try {\n      const mockScenarioStr = getMockScenarioStr(applePayOptions.mockScenario);\n      const checkoutRequestId = getOrCreateCheckoutRequestId(environment);\n      console.log(`[ApplePay] Using checkout_request_id: ${checkoutRequestId}`);\n\n      // Check if we have prepared Stripe state\n      if (preparedStripeState?.adapter.isPrepared()) {\n        console.log(\"[ApplePay] Using prepared Stripe state for immediate sheet display\");\n\n        // Show Apple Pay sheet IMMEDIATELY using the prepared PaymentRequest\n        const paymentResultPromise = preparedStripeState.adapter.showPreparedPaymentSheet();\n        const paymentResult = await paymentResultPromise;\n\n        if (!paymentResult.success) {\n          clearPreparedApplePay();\n\n          if (\"cancelled\" in paymentResult && paymentResult.cancelled) {\n            return { errors: { apple_pay: \"Apple Pay cancelled by user\" } };\n          }\n          const errorMessage = \"error\" in paymentResult ? paymentResult.error : \"Unknown error\";\n          return { errors: { apple_pay: errorMessage } };\n        }\n\n        const { paymentMethodId, paymentMethodEvent, billingDetails } = paymentResult;\n\n        // Confirm with backend using the PaymentMethod ID\n        const confirmResult = await callStripeConfirmEndpoint(\n          apiBaseUrl,\n          secureToken,\n          applePayOptions,\n          paymentMethodId,\n          mockScenarioStr,\n          preparedStripeState.checkoutRequestId,\n          billingDetails?.email,\n        );\n\n        // Complete Apple Pay UI based on result\n        if (confirmResult.data) {\n          paymentMethodEvent.complete(\"success\");\n          clearPreparedApplePay();\n          return confirmResult;\n        } else {\n          paymentMethodEvent.complete(\"fail\");\n          clearPreparedApplePay();\n          return confirmResult;\n        }\n      }\n\n      // Check if this is an Airwallex processor - route directly to Airwallex flow\n      if (applePayOptions.processorType === \"airwallex\") {\n        console.log(\"[ApplePay] Running Airwallex flow (processorType=airwallex)\");\n        // Merge prepare-time state into submit options so country/currency/amount/merchantName\n        // are available even if the merchant only provided them at prepare time\n        if (preparedAirwallexState) {\n          if (applePayOptions.country == null) applePayOptions.country = preparedAirwallexState.country;\n          if (applePayOptions.currency == null) applePayOptions.currency = preparedAirwallexState.currency;\n          if (applePayOptions.amount == null) applePayOptions.amount = preparedAirwallexState.amount;\n          if (applePayOptions.merchantName == null) applePayOptions.merchantName = preparedAirwallexState.merchantName;\n        }\n        try {\n          return await runAirwallexFlow(apiBaseUrl, secureToken, applePayOptions, mockScenarioStr, checkoutRequestId);\n        } finally {\n          preparedAirwallexState = null;\n        }\n      }\n\n      // No prepared state for Stripe - call start endpoint\n      const startResult = await callStripeStartEndpoint(\n        apiBaseUrl,\n        secureToken,\n        applePayOptions,\n        checkoutRequestId,\n      );\n\n      if (startResult.error || !startResult.data) {\n        return { errors: { apple_pay: startResult.error || \"Failed to start Apple Pay\" } };\n      }\n\n      const startData = startResult.data;\n\n      // Stripe flow without prepared state - this may fail due to user gesture requirements\n      console.warn(\"[ApplePay] Stripe flow without prepared state - may fail due to user gesture requirements\");\n\n      if (!startData.stripe_pk) {\n        return { errors: { apple_pay: \"Stripe publishable key not provided\" } };\n      }\n\n      const { adapter, error: adapterError } = initializeStripeAdapter(\n        startData.stripe_pk,\n        applePayOptions.mockScenario,\n      );\n      if (!adapter) {\n        return { errors: { apple_pay: adapterError || \"Failed to initialize Stripe adapter\" } };\n      }\n\n      // This will likely fail due to user gesture requirements\n      const prepareResult = await adapter.preparePaymentRequest({\n        country: startData.country,\n        currency: startData.currency.toLowerCase(),\n        total: { label: \"Total\", amount: startData.amount },\n      });\n\n      if (!prepareResult.success || !prepareResult.applePay) {\n        return { errors: { apple_pay: prepareResult.error || \"Apple Pay not available\" } };\n      }\n\n      const paymentResult = await adapter.showPreparedPaymentSheet();\n\n      if (!paymentResult.success) {\n        if (\"cancelled\" in paymentResult && paymentResult.cancelled) {\n          return { errors: { apple_pay: \"Apple Pay cancelled by user\" } };\n        }\n        const errorMessage = \"error\" in paymentResult ? paymentResult.error : \"Unknown error\";\n        return { errors: { apple_pay: errorMessage } };\n      }\n\n      const { paymentMethodId, paymentMethodEvent, billingDetails } = paymentResult;\n\n      const confirmResult = await callStripeConfirmEndpoint(\n        apiBaseUrl,\n        secureToken,\n        applePayOptions,\n        paymentMethodId,\n        mockScenarioStr,\n        checkoutRequestId,\n        billingDetails?.email,\n      );\n\n      if (confirmResult.data) {\n        paymentMethodEvent.complete(\"success\");\n        return confirmResult;\n      } else {\n        paymentMethodEvent.complete(\"fail\");\n        return confirmResult;\n      }\n    } catch (error) {\n      onClearPrepared();\n      return { errors: { apple_pay: `Apple Pay error: ${error}` } };\n    }\n  };\n\n  return submitPayment;\n};\n\n// =============================================================================\n// Payment Method Definition\n// =============================================================================\n\nconst ApplePayPaymentMethod = definePaymentMethod((paymentKitStates) => {\n  const { apiBaseUrl, secureToken, environment } = paymentKitStates;\n\n  // Per-instance auto-prepare state — isolated from other ApplePayPaymentMethod instances.\n  // Note: preparedStripeState and preparedAirwallexState remain module-level globals (pre-existing\n  // architectural constraint shared across the file). Full per-instance isolation for those fields\n  // would require threading them through prepareApplePay, runAirwallexFlow, validateOptions, and\n  // defSubmitPayment — tracked as tech debt.\n  let autoPrepareConfig: AutoPrepareConfig | null = null;\n  let onApplePayReadyCallbacks: ((isReady: boolean) => void)[] = [];\n  let isApplePayReadyState = false;\n  let autoPrepareInProgress = false;\n  // Incremented by cleanup() so that in-flight prepares can detect staleness and skip writes.\n  let cleanupGeneration = 0;\n  // Stores pending retry args when notifyAmountChanged is called while a prepare is in flight.\n  let pendingAutoPrepareArgs: { apiBaseUrl: string; secureToken: string; environment: string } | null = null;\n  // Resolvers waiting for a queued retry to complete (for correct notifyAmountChanged await).\n  let pendingPrepareResolvers: (() => void)[] = [];\n\n  function instanceSetApplePayReady(ready: boolean): void {\n    isApplePayReadyState = ready;\n    for (const cb of onApplePayReadyCallbacks) cb(ready);\n  }\n\n  function instanceClearPreparedApplePay(): void {\n    clearPreparedApplePay();\n    instanceSetApplePayReady(false);\n  }\n\n  async function instanceAutoPrepare(apBase: string, sToken: string, env: string): Promise<void> {\n    if (autoPrepareInProgress) {\n      // A prepare is already in flight; queue a retry and return a promise that resolves after it.\n      pendingAutoPrepareArgs = { apiBaseUrl: apBase, secureToken: sToken, environment: env };\n      return new Promise<void>((resolve) => pendingPrepareResolvers.push(resolve));\n    }\n    autoPrepareInProgress = true;\n    // Capture generation so we can detect if cleanup() is called while we await.\n    const capturedGeneration = cleanupGeneration;\n    instanceSetApplePayReady(false);\n\n    try {\n      const result = await apiCall<CheckoutSessionConfig>(`${apBase}/api/checkout-sessions/token/${sToken}`, {\n        method: \"GET\",\n      });\n\n      if (cleanupGeneration !== capturedGeneration) return;\n\n      if (result.error || !result.data) {\n        console.warn(\"[ApplePay] Auto-prepare: failed to fetch session config:\", result.error);\n        return;\n      }\n\n      const processorId = result.data.express_checkout_processor_id;\n      if (!processorId) {\n        console.log(\"[ApplePay] Auto-prepare: no express checkout processor configured\");\n        return;\n      }\n\n      const processorTypeRaw = result.data.express_checkout_processor_type;\n      const processorType =\n        processorTypeRaw === \"airwallex\" || processorTypeRaw === \"stripe\" ? processorTypeRaw : undefined;\n\n      autoPrepareConfig = { processorId, processorType };\n\n      const prepareResult = await prepareApplePay(\n        apBase,\n        sToken,\n        { processorId, processorType, customerInfo: { first_name: \"\", last_name: \"\" } },\n        env,\n      );\n\n      if (cleanupGeneration !== capturedGeneration) return;\n\n      instanceSetApplePayReady(prepareResult.success && prepareResult.applePay === true);\n    } catch (err) {\n      if (cleanupGeneration === capturedGeneration) {\n        console.error(\"[ApplePay] Auto-prepare failed:\", err);\n      }\n    } finally {\n      autoPrepareInProgress = false;\n      const stale = cleanupGeneration !== capturedGeneration;\n      const pending = pendingAutoPrepareArgs;\n      const resolvers = pendingPrepareResolvers.splice(0);\n      if (!stale && pending) {\n        pendingAutoPrepareArgs = null;\n        // Run the retry and resolve all callers that were waiting for it.\n        instanceAutoPrepare(pending.apiBaseUrl, pending.secureToken, pending.environment).then(() => {\n          for (const r of resolvers) r();\n        });\n      } else {\n        pendingAutoPrepareArgs = null;\n        for (const r of resolvers) r();\n      }\n    }\n  }\n\n  // Start auto-prepare immediately so the button is ready before first user interaction.\n  instanceAutoPrepare(apiBaseUrl, secureToken, environment).catch((err) =>\n    console.error(\"[ApplePay] Unhandled init error:\", err),\n  );\n\n  return {\n    name: \"apple_pay\",\n    externalFuncs: {\n      /**\n       * @deprecated The SDK now prepares automatically on init. Use `onApplePayReady` to observe\n       * readiness and `notifyAmountChanged` to trigger re-prepare after amount changes.\n       */\n      prepareApplePay: (options: ApplePaySubmitOptions) =>\n        prepareApplePay(apiBaseUrl, secureToken, options, environment),\n\n      /**\n       * Register a callback to be notified when Apple Pay becomes ready (or stops being ready).\n       * Fires immediately with the current state, then on every state change.\n       * Multiple registrations are all notified — none are silently overwritten.\n       *\n       * @example\n       * paymentKit.apple_pay.onApplePayReady((isReady) => {\n       *   applePayButton.disabled = !isReady;\n       * });\n       */\n      onApplePayReady: (callback: (isReady: boolean) => void): void => {\n        onApplePayReadyCallbacks.push(callback);\n        // Fire immediately with current state so caller doesn't miss a completed prepare.\n        callback(isApplePayReadyState);\n      },\n\n      /**\n       * Notify the SDK that the payment amount has changed (e.g. coupon applied).\n       * The SDK will disable Apple Pay, re-prepare with the new amount, then re-enable.\n       * The returned promise resolves when re-prepare is fully complete.\n       *\n       * @example\n       * await paymentKit.apple_pay.notifyAmountChanged();\n       */\n      notifyAmountChanged: (): Promise<void> => {\n        instanceClearPreparedApplePay();\n        autoPrepareConfig = null;\n        return instanceAutoPrepare(apiBaseUrl, secureToken, environment);\n      },\n    },\n    internalFuncs: {\n      submitPayment: defSubmitPayment(paymentKitStates, () => autoPrepareConfig, instanceClearPreparedApplePay),\n      cleanup: () => {\n        cleanupGeneration++;\n        onApplePayReadyCallbacks = [];\n        isApplePayReadyState = false;\n        autoPrepareConfig = null;\n        pendingAutoPrepareArgs = null;\n        pendingPrepareResolvers = [];\n        autoPrepareInProgress = false;\n        clearPreparedApplePay();\n      },\n    },\n  };\n});\n\nexport { ApplePayMockScenario };\n\nexport default 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+{"version":3,"file":"apple-pay.mjs","names":["preparedStripeState: PreparedStripeApplePayState | null","preparedAirwallexState: PreparedAirwallexState | null","applePayScriptLoadPromise: Promise<void> | null","airwallexMockScenario: AirwallexApplePayMockScenario","config: AirwallexApplePayConfig","submitPayment: TInternalFuncs[\"submitPayment\"]","paymentResult","confirmResult","paymentMethodId","billingDetails","autoPrepareConfig: AutoPrepareConfig | null","onApplePayReadyCallbacks: ((isReady: boolean) => void)[]","pendingAutoPrepareArgs: { apiBaseUrl: string; secureToken: string; environment: PaymentKitEnvironment } | null","pendingPrepareResolvers: (() => void)[]"],"sources":["../../src/payment-methods/apple-pay.ts"],"sourcesContent":["import type { PaymentKitEnvironment, PaymentKitErrors, PaymentKitStates, TInternalFuncs } from \"../types\";\nimport { collectFraudMetadata, definePaymentMethod, getOrCreateCheckoutRequestId } from \"../utils\";\nimport {\n  AirwallexApplePayAdapter,\n  type AirwallexApplePayConfig,\n  AirwallexApplePayMockScenario,\n  type ApplePayEncryptedToken,\n} from \"./airwallex-apple-pay-adapter\";\nimport { handleNextAction } from \"./next-action-handlers\";\nimport { ApplePayMockScenario, StripeApplePayAdapter } from \"./stripe-apple-pay-adapter\";\n\n// Apple Pay-specific types\nexport type ApplePayCustomerInfo = {\n  first_name: string;\n  last_name: string;\n  email?: string;\n};\n\nexport type ApplePayStartRequest = {\n  processor_id: string;\n  // Airwallex-only fields. Stripe /apple-pay/start is a pure read and\n  // ignores these — customer_info/fraud_metadata are sent to /apple-pay/confirm\n  // instead, where the customer + checkout attempt + PaymentIntent are created.\n  customer_info?: ApplePayCustomerInfo;\n  fraud_metadata?: {\n    ipAddress?: string;\n    browserInfo?: { [key: string]: unknown };\n    processorFraudInfo?: { [key: string]: unknown };\n  };\n  mock_scenario?: string;\n  // Airwallex-specific fields (sent on /start for merchant validation)\n  validation_url?: string;\n  initiative_context?: string;\n};\n\nexport type ApplePayStartResponse = {\n  amount: number;\n  currency: string;\n  country: string;\n\n  // Stripe-specific (when calling /apple-pay/start)\n  stripe_pk?: string;\n\n  // Airwallex-specific (when calling /airwallex/apple-pay/start). Stripe's\n  // /start does not create a checkout attempt — it's deferred to /confirm.\n  checkout_attempt_id?: string;\n  merchant_session?: { [key: string]: unknown }; // Apple merchant session for completeMerchantValidation()\n};\n\n// Airwallex 3DS next action type (matches backend snake_case response)\nexport type Airwallex3dsNextAction = {\n  type: \"airwallex_3ds\";\n  url: string;\n};\n\nexport type ApplePayConfirmRequest = {\n  // Stripe-only: moved from /start (where they used to drive customer/PI\n  // creation). At confirm time, the Stripe path creates the customer, checkout\n  // attempt, and PaymentIntent in a single call.\n  processor_id?: string;\n  customer_info?: ApplePayCustomerInfo;\n  fraud_metadata?: {\n    ipAddress?: string;\n    browserInfo?: { [key: string]: unknown };\n    processorFraudInfo?: { [key: string]: unknown };\n  };\n  // Stripe: Send PaymentMethod ID\n  payment_method_id?: string;\n  // Airwallex: Send encrypted Apple Pay token\n  apple_pay_token?: ApplePayEncryptedToken | { [key: string]: unknown };\n  // Email from payment sheet (Stripe Apple Pay) — used to fill missing customer email\n  payer_email?: string;\n  // Name from payment sheet — used to fill missing customer name\n  payer_first_name?: string;\n  payer_last_name?: string;\n  mock_scenario?: string;\n};\n\nexport type ApplePayConfirmResponse = {\n  charge_status: \"success\" | \"fail\" | \"pending\";\n  transaction_id?: string;\n  error_code?: string;\n  error_message_for_customer?: string;\n  error_message_for_debug?: string;\n  checkout_attempt_id: string;\n  checkout_session_id?: string;\n  next_action?: Airwallex3dsNextAction; // Present when charge_status=\"pending\" for 3DS\n  payment_intent_id?: string;\n  customer_id?: string;\n  payment_method_id?: string;\n  processor_used?: string;\n  subscription_id?: string;\n  invoice_id?: string;\n  invoice_number?: number;\n  card_brand?: string;\n  card_last4?: string;\n  card_exp_month?: number;\n  card_exp_year?: number;\n};\n\nexport type ApplePaySubmitOptions = {\n  /** Processor external ID — optional when using auto-prepare (SDK fetches from checkout session) */\n  processorId?: string;\n  processorType?: \"stripe\" | \"airwallex\";\n  customerInfo: ApplePayCustomerInfo;\n  mockScenario?: ApplePayMockScenario;\n  amount?: number; // Amount in atomic units (cents) for Apple Pay sheet display\n  currency?: string; // Currency code (e.g., \"usd\")\n  /** Country code — optional when using auto-prepare (fetched from backend) */\n  country?: string;\n  merchantName?: string; // Merchant display name on Apple Pay sheet\n};\n\ntype ApplePayResult =\n  | { data: { [key: string]: unknown }; errors?: undefined }\n  | { data?: undefined; errors: PaymentKitErrors };\n\n// =============================================================================\n// Prepared Payment State (for Stripe pre-fetching before click)\n// =============================================================================\n\ntype PreparedStripeApplePayState = {\n  processor: \"stripe\";\n  adapter: StripeApplePayAdapter;\n  startData: ApplePayStartResponse;\n  mockScenarioStr?: string;\n  checkoutRequestId: string;\n};\n\n// Global state to store prepared Apple Pay data (Stripe only - Airwallex uses native session)\nlet preparedStripeState: PreparedStripeApplePayState | null = null;\n\n// Prepared Airwallex state — persists options from prepare call for use at submit time\n// The amount field is fetched from the session via /session-info endpoint to fix\n// the $0.00 bug where options.amount was undefined and defaulted to 0.\ntype PreparedAirwallexState = {\n  country: string;\n  currency?: string;\n  amount?: number;\n  merchantName?: string;\n};\nlet preparedAirwallexState: PreparedAirwallexState | null = null;\n\n// Response type for Airwallex Apple Pay session-info endpoint\ntype AirwallexSessionInfoResponse = {\n  amount: number;\n  currency: string;\n  country: string;\n};\n\n// =============================================================================\n// Auto-Prepare State\n// =============================================================================\n\ntype AutoPrepareConfig = {\n  processorId: string;\n  processorType: \"airwallex\" | \"stripe\" | undefined;\n};\n\ntype CheckoutSessionConfig = {\n  express_checkout_processor_id?: string | null;\n  express_checkout_processor_type?: string | null;\n};\n\n// =============================================================================\n// Apple Pay SDK Loader\n// =============================================================================\n\n// Loads Apple's JS SDK, which makes window.ApplePaySession available in non-Safari\n// browsers (Chrome, Firefox, etc.) and enables the \"Scan Code with iPhone\" QR flow.\nlet applePayScriptLoadPromise: Promise<void> | null = null;\nasync function loadApplePayScript(): Promise<void> {\n  if (typeof window === \"undefined\") return;\n  if (window.ApplePaySession) return;\n  if (document.getElementById(\"__pk_apple_pay_sdk\")) {\n    // Tag exists — if we have a cached promise, wait for it; otherwise the tag\n    // already resolved (e.g. after a module reload) so return immediately.\n    return applePayScriptLoadPromise ?? Promise.resolve();\n  }\n  applePayScriptLoadPromise = new Promise<void>((resolve, reject) => {\n    const script = document.createElement(\"script\");\n    script.id = \"__pk_apple_pay_sdk\";\n    script.src = \"https://applepay.cdn-apple.com/jsapi/1.latest/apple-pay-sdk.js\";\n    script.crossOrigin = \"anonymous\";\n    // NOTE: Apple doesn't publish stable SRI hashes for the 1.latest pointer,\n    // so integrity checking is omitted. CSP must allow script-src https://applepay.cdn-apple.com.\n    script.onload = () => resolve();\n    script.onerror = () => {\n      // Clear cached state so the next prepareApplePay call can retry.\n      applePayScriptLoadPromise = null;\n      document.getElementById(\"__pk_apple_pay_sdk\")?.remove();\n      reject(new Error(\"Failed to load Apple Pay SDK\"));\n    };\n    document.head.appendChild(script);\n  });\n  return applePayScriptLoadPromise;\n}\n\n// =============================================================================\n// Helper Functions\n// =============================================================================\n\nasync function apiCall<T>(\n  url: string,\n  options: RequestInit,\n  checkoutRequestId?: string,\n): Promise<{ data?: T; error?: string }> {\n  const headers = new Headers(options.headers);\n  if (checkoutRequestId) {\n    headers.set(\"x-request-id\", checkoutRequestId);\n  }\n\n  const response = await fetch(url, { ...options, headers });\n  if (!response.ok) {\n    let errorMessage = `Request failed (${response.status})`;\n    try {\n      const errorData = await response.json();\n      errorMessage = errorData.detail || errorMessage;\n    } catch {\n      errorMessage = response.statusText || errorMessage;\n    }\n    return { error: errorMessage };\n  }\n  return { data: await response.json() };\n}\n\nfunction validateOptions(options: ApplePaySubmitOptions): PaymentKitErrors | null {\n  if (!options?.processorId) {\n    return { processor_id: \"Processor ID is required\" };\n  }\n  // For Airwallex, country is required (either directly or from prepared state)\n  if (options.processorType === \"airwallex\" && !options.country && !preparedAirwallexState?.country) {\n    return { country: \"Country is required for Airwallex Apple Pay\" };\n  }\n  return null;\n}\n\nfunction getMockScenarioStr(mockScenario?: ApplePayMockScenario): string | undefined {\n  return mockScenario && mockScenario !== ApplePayMockScenario.None ? mockScenario : undefined;\n}\n\n// =============================================================================\n// Stripe Apple Pay Flow\n// =============================================================================\n\nasync function callStripeStartEndpoint(\n  apiBaseUrl: string,\n  secureToken: string,\n  options: ApplePaySubmitOptions,\n  checkoutRequestId?: string,\n): Promise<{ data?: ApplePayStartResponse; error?: string }> {\n  // /apple-pay/start is now a pure read: it returns stripe_pk + sheet data\n  // (amount/currency/country). Customer/CheckoutAttempt/PaymentIntent are\n  // created in /apple-pay/confirm once the user authorizes the sheet.\n  return apiCall<ApplePayStartResponse>(\n    `${apiBaseUrl}/api/checkout/${secureToken}/apple-pay/start`,\n    {\n      method: \"POST\",\n      headers: { \"Content-Type\": \"application/json\" },\n      body: JSON.stringify({\n        processor_id: options.processorId,\n      } as ApplePayStartRequest),\n    },\n    checkoutRequestId,\n  );\n}\n\nfunction initializeStripeAdapter(\n  stripePk: string,\n  mockScenario?: ApplePayMockScenario,\n): { adapter?: StripeApplePayAdapter; error?: string } {\n  const adapter = new StripeApplePayAdapter(mockScenario);\n\n  if (!adapter.initialize(stripePk)) {\n    return { error: 'Stripe.js not loaded. Add <script src=\"https://js.stripe.com/v3/\"></script> to your page.' };\n  }\n\n  return { adapter };\n}\n\nasync function callStripeConfirmEndpoint(\n  apiBaseUrl: string,\n  secureToken: string,\n  options: ApplePaySubmitOptions,\n  paymentMethodId: string,\n  mockScenarioStr?: string,\n  checkoutRequestId?: string,\n  payerEmail?: string,\n): Promise<ApplePayResult> {\n  // /apple-pay/confirm now carries the fields that used to live on /start —\n  // processor_id, customer_info, fraud_metadata — because the customer,\n  // checkout attempt, and Stripe PaymentIntent are all created here.\n  const result = await apiCall<ApplePayConfirmResponse>(\n    `${apiBaseUrl}/api/checkout/${secureToken}/apple-pay/confirm`,\n    {\n      method: \"POST\",\n      headers: { \"Content-Type\": \"application/json\" },\n      body: JSON.stringify({\n        processor_id: options.processorId,\n        customer_info: options.customerInfo,\n        fraud_metadata: collectFraudMetadata(),\n        payment_method_id: paymentMethodId,\n        payer_email: payerEmail,\n        mock_scenario: mockScenarioStr,\n      } as ApplePayConfirmRequest),\n    },\n    checkoutRequestId,\n  );\n\n  if (result.error || !result.data) {\n    return { errors: { apple_pay: result.error || \"Failed to confirm payment\" } };\n  }\n\n  const confirmData = result.data;\n\n  if (confirmData.charge_status === \"success\") {\n    return {\n      data: {\n        id: confirmData.transaction_id,\n        checkoutAttemptId: confirmData.checkout_attempt_id,\n        checkoutSessionId: confirmData.checkout_session_id ?? secureToken,\n        state: \"checkout_succeeded\",\n        paymentIntentId: confirmData.payment_intent_id,\n        customerId: confirmData.customer_id,\n        paymentMethodId: confirmData.payment_method_id,\n        processorUsed: confirmData.processor_used,\n        subscriptionId: confirmData.subscription_id,\n        invoiceId: confirmData.invoice_id,\n        invoiceNumber: confirmData.invoice_number,\n        cardBrand: confirmData.card_brand,\n        cardLast4: confirmData.card_last4,\n        cardExpMonth: confirmData.card_exp_month,\n        cardExpYear: confirmData.card_exp_year,\n        errorCode: confirmData.error_code,\n        errorMessageForCustomer: confirmData.error_message_for_customer,\n        errorMessageForDebug: confirmData.error_message_for_debug,\n        nextAction: confirmData.next_action,\n      },\n    };\n  }\n\n  return {\n    errors: {\n      apple_pay: confirmData.error_message_for_customer || confirmData.error_message_for_debug || \"Payment failed\",\n    },\n  };\n}\n\n// =============================================================================\n// Prepare Function (call BEFORE the click handler)\n// =============================================================================\n\n/**\n * Pre-fetch Apple Pay data and prepare the PaymentRequest.\n * Call this when the checkout page loads, NOT in the click handler.\n *\n * For Stripe: pre-fetches data and prepares PaymentRequest for immediate show.\n * For Airwallex: returns success with processor=\"airwallex\" so submit uses native ApplePaySession.\n *\n * @deprecated The SDK now calls this automatically on init. Use `onApplePayReady` to observe\n * readiness and `notifyAmountChanged` to trigger re-prepare after amount changes.\n */\nexport async function prepareApplePay(\n  apiBaseUrl: string,\n  secureToken: string,\n  options: ApplePaySubmitOptions,\n  environment: PaymentKitEnvironment,\n): Promise<{ success: boolean; error?: string; applePay?: boolean }> {\n  console.log(\"[ApplePay] prepareApplePay called\");\n\n  // Clear any previous state\n  preparedStripeState = null;\n\n  const mockScenarioStr = getMockScenarioStr(options.mockScenario);\n  const checkoutRequestId = getOrCreateCheckoutRequestId(environment);\n  console.log(`[ApplePay] Using checkout_request_id: ${checkoutRequestId}`);\n\n  // Airwallex: Load Apple Pay SDK (enables QR code flow in non-Safari browsers),\n  // then fetch session info to get the correct amount from line items.\n  // This fixes the $0.00 bug where options.amount was undefined and defaulted to 0.\n  if (options.processorType === \"airwallex\") {\n    console.log(\"[ApplePay] Airwallex processor - loading Apple Pay SDK, fetching session info for amount\");\n\n    // In mock mode, skip SDK loading and availability check (jsdom has no ApplePaySession)\n    if (!mockScenarioStr) {\n      try {\n        await loadApplePayScript();\n      } catch (err) {\n        console.error(\"[ApplePay] Failed to load Apple Pay SDK:\", err);\n        return { success: false, error: \"Failed to load Apple Pay\" };\n      }\n\n      let canMake = false;\n      try {\n        canMake = !!window.ApplePaySession?.canMakePayments();\n      } catch {\n        canMake = false;\n      }\n      if (!canMake) {\n        console.log(\"[ApplePay] Apple Pay not available on this device/browser\");\n        return { success: false, error: \"Apple Pay not available on this device\" };\n      }\n    }\n\n    // Fetch session info (amount, currency, country) from backend\n    const sessionInfoResult = await callAirwallexSessionInfoEndpoint(apiBaseUrl, secureToken, checkoutRequestId);\n\n    if (sessionInfoResult.error || !sessionInfoResult.data) {\n      console.error(\"[ApplePay] Failed to fetch session info:\", sessionInfoResult.error);\n      return { success: false, error: sessionInfoResult.error || \"Failed to fetch Apple Pay session info\" };\n    }\n\n    console.log(\"[ApplePay] Got session info:\", sessionInfoResult.data);\n    const resolvedAmount = sessionInfoResult.data.amount;\n    const resolvedCurrency = sessionInfoResult.data.currency;\n    const resolvedCountry = sessionInfoResult.data.country || options.country;\n\n    preparedAirwallexState = {\n      country: resolvedCountry,\n      currency: resolvedCurrency,\n      amount: resolvedAmount,\n      merchantName: options.merchantName,\n    };\n    console.log(\"[ApplePay] Airwallex prepared state:\", preparedAirwallexState);\n    return { success: true, applePay: true };\n  }\n\n  // Call Stripe start endpoint to fetch stripe_pk + sheet display data\n  const startResult = await callStripeStartEndpoint(apiBaseUrl, secureToken, options, checkoutRequestId);\n  if (startResult.error || !startResult.data) {\n    return { success: false, error: startResult.error || \"Failed to start Apple Pay\" };\n  }\n\n  const startData = startResult.data;\n\n  // Initialize Stripe adapter\n  if (!startData.stripe_pk) {\n    return { success: false, error: \"Stripe publishable key not provided\" };\n  }\n\n  const { adapter, error: adapterError } = initializeStripeAdapter(startData.stripe_pk, options.mockScenario);\n  if (!adapter) {\n    return { success: false, error: adapterError };\n  }\n\n  // Create PaymentRequest and call canMakePayment() (required before show())\n  const prepareResult = await adapter.preparePaymentRequest({\n    country: startData.country,\n    currency: startData.currency.toLowerCase(),\n    total: {\n      label: \"Total\",\n      amount: startData.amount,\n    },\n  });\n\n  if (!prepareResult.success) {\n    return {\n      success: false,\n      error: prepareResult.error || \"Failed to prepare payment request\",\n      applePay: prepareResult.applePay,\n    };\n  }\n\n  if (!prepareResult.applePay) {\n    return {\n      success: false,\n      error: \"Apple Pay is not available on this device or Stripe account\",\n      applePay: false,\n    };\n  }\n\n  // Store the prepared state\n  preparedStripeState = {\n    processor: \"stripe\",\n    adapter,\n    startData,\n    mockScenarioStr,\n    checkoutRequestId,\n  };\n\n  console.log(\"[ApplePay] prepareApplePay success (Stripe), ready for click\");\n  return { success: true, applePay: true };\n}\n\n/**\n * Check if Apple Pay has been prepared and is ready.\n */\nexport function isApplePayPrepared(): boolean {\n  return (preparedStripeState?.adapter.isPrepared() ?? false) || preparedAirwallexState !== null;\n}\n\n/**\n * Clear prepared state (call on unmount or when checkout changes).\n */\nexport function clearPreparedApplePay(): void {\n  if (preparedStripeState) {\n    preparedStripeState.adapter.clearPrepared();\n  }\n  preparedStripeState = null;\n  preparedAirwallexState = null;\n}\n\n// =============================================================================\n// Airwallex Apple Pay Flow\n// =============================================================================\n\n/**\n * Fetch session info (amount, currency, country) from the backend.\n * Called during prepareApplePay to get the correct amount BEFORE showing the payment sheet.\n * This fixes the $0.00 bug where options.amount was undefined and defaulted to 0.\n */\nasync function callAirwallexSessionInfoEndpoint(\n  apiBaseUrl: string,\n  secureToken: string,\n  checkoutRequestId?: string,\n): Promise<{ data?: AirwallexSessionInfoResponse; error?: string }> {\n  return apiCall<AirwallexSessionInfoResponse>(\n    `${apiBaseUrl}/api/checkout/${secureToken}/airwallex/apple-pay/session-info`,\n    {\n      method: \"GET\",\n      headers: { \"Content-Type\": \"application/json\" },\n    },\n    checkoutRequestId,\n  );\n}\n\nasync function callAirwallexStartEndpoint(\n  apiBaseUrl: string,\n  secureToken: string,\n  options: ApplePaySubmitOptions,\n  validationUrl: string,\n  initiativeContext: string,\n  mockScenarioStr?: string,\n  checkoutRequestId?: string,\n): Promise<{ data?: ApplePayStartResponse; error?: string }> {\n  return apiCall<ApplePayStartResponse>(\n    `${apiBaseUrl}/api/checkout/${secureToken}/airwallex/apple-pay/start`,\n    {\n      method: \"POST\",\n      headers: { \"Content-Type\": \"application/json\" },\n      body: JSON.stringify({\n        processor_id: options.processorId,\n        customer_info: options.customerInfo,\n        fraud_metadata: collectFraudMetadata(),\n        validation_url: validationUrl,\n        initiative_context: initiativeContext,\n        mock_scenario: mockScenarioStr,\n      } as ApplePayStartRequest),\n    },\n    checkoutRequestId,\n  );\n}\n\nasync function callAirwallexConfirmEndpoint(\n  apiBaseUrl: string,\n  secureToken: string,\n  applePayToken: ApplePayEncryptedToken,\n  mockScenarioStr?: string,\n  checkoutRequestId?: string,\n  payerEmail?: string,\n  payerFirstName?: string,\n  payerLastName?: string,\n): Promise<ApplePayConfirmResponse> {\n  const result = await apiCall<ApplePayConfirmResponse>(\n    `${apiBaseUrl}/api/checkout/${secureToken}/airwallex/apple-pay/confirm`,\n    {\n      method: \"POST\",\n      headers: { \"Content-Type\": \"application/json\" },\n      body: JSON.stringify({\n        apple_pay_token: applePayToken,\n        payer_email: payerEmail,\n        payer_first_name: payerFirstName,\n        payer_last_name: payerLastName,\n        mock_scenario: mockScenarioStr,\n      } as ApplePayConfirmRequest),\n    },\n    checkoutRequestId,\n  );\n\n  if (result.error || !result.data) {\n    return {\n      charge_status: \"fail\",\n      error_message_for_debug: result.error || \"Failed to confirm payment\",\n      checkout_attempt_id: \"\",\n    };\n  }\n\n  return result.data;\n}\n\nasync function callAirwallexVerifyEndpoint(\n  apiBaseUrl: string,\n  secureToken: string,\n  checkoutRequestId?: string,\n): Promise<ApplePayConfirmResponse> {\n  const result = await apiCall<ApplePayConfirmResponse>(\n    `${apiBaseUrl}/api/checkout/${secureToken}/airwallex/apple-pay/verify`,\n    {\n      method: \"POST\",\n      headers: { \"Content-Type\": \"application/json\" },\n    },\n    checkoutRequestId,\n  );\n\n  if (result.error || !result.data) {\n    return {\n      charge_status: \"fail\",\n      error_message_for_debug: result.error || \"Failed to verify payment\",\n      checkout_attempt_id: \"\",\n    };\n  }\n\n  return result.data;\n}\n\nfunction toApplePayResult(response: ApplePayConfirmResponse, secureToken: string): ApplePayResult {\n  if (response.charge_status === \"success\") {\n    return {\n      data: {\n        id: response.transaction_id,\n        checkoutAttemptId: response.checkout_attempt_id,\n        checkoutSessionId: response.checkout_session_id ?? secureToken,\n        state: \"checkout_succeeded\",\n        paymentIntentId: response.payment_intent_id,\n        customerId: response.customer_id,\n        paymentMethodId: response.payment_method_id,\n        processorUsed: response.processor_used,\n        subscriptionId: response.subscription_id,\n        invoiceId: response.invoice_id,\n        invoiceNumber: response.invoice_number,\n        cardBrand: response.card_brand,\n        cardLast4: response.card_last4,\n        cardExpMonth: response.card_exp_month,\n        cardExpYear: response.card_exp_year,\n        errorCode: response.error_code,\n        errorMessageForCustomer: response.error_message_for_customer,\n        errorMessageForDebug: response.error_message_for_debug,\n        nextAction: response.next_action,\n      },\n    };\n  }\n  return {\n    errors: {\n      apple_pay: response.error_message_for_customer || response.error_message_for_debug || \"Payment failed\",\n    },\n  };\n}\n\nconst MAX_USER_ACTIONS = 5;\n\n/**\n * Run the Airwallex Apple Pay flow with 3DS loop support.\n *\n * Flow:\n * 1. Show native ApplePaySession, call /start for merchant validation\n * 2. On payment authorized, call /confirm with token\n * 3. If 3DS required, handle it and call /verify\n * 4. Loop if more 3DS needed\n */\nasync function runAirwallexFlow(\n  apiBaseUrl: string,\n  secureToken: string,\n  options: ApplePaySubmitOptions,\n  mockScenarioStr?: string,\n  checkoutRequestId?: string,\n): Promise<ApplePayResult> {\n  // Convert mock scenario\n  let airwallexMockScenario: AirwallexApplePayMockScenario = AirwallexApplePayMockScenario.None;\n  if (options.mockScenario === ApplePayMockScenario.Success) {\n    airwallexMockScenario = AirwallexApplePayMockScenario.Success;\n  } else if (options.mockScenario === ApplePayMockScenario.Cancelled) {\n    airwallexMockScenario = AirwallexApplePayMockScenario.Cancelled;\n  }\n\n  // Defense-in-depth: validateOptions should catch this earlier, but guard against\n  // future callers that bypass validation to avoid an unhandled TypeError on `.toUpperCase()`\n  if (!options.country) {\n    return { errors: { apple_pay: \"Country is required for Airwallex Apple Pay\" } };\n  }\n\n  // Auto-fetch amount from session if not provided (e.g. merchant didn't call prepareApplePay first)\n  if (!options.amount) {\n    const sessionInfoResult = await callAirwallexSessionInfoEndpoint(apiBaseUrl, secureToken, checkoutRequestId);\n    if (sessionInfoResult.data) {\n      options.amount = sessionInfoResult.data.amount;\n      options.currency = options.currency || sessionInfoResult.data.currency;\n      options.country = options.country || sessionInfoResult.data.country;\n    }\n  }\n\n  // Initialize adapter\n  const adapter = new AirwallexApplePayAdapter(airwallexMockScenario);\n\n  const config: AirwallexApplePayConfig = {\n    amount: options.amount || 0,\n    currency: (options.currency || \"USD\").toUpperCase(),\n    country: options.country.toUpperCase(),\n    merchantName: options.merchantName || \"Total\",\n  };\n\n  if (!adapter.initialize(config)) {\n    return { errors: { apple_pay: \"Apple Pay not available on this device\" } };\n  }\n\n  const canPay = await adapter.canMakePayment();\n  if (!canPay) {\n    return { errors: { apple_pay: \"Apple Pay not available on this device\" } };\n  }\n\n  // Get current domain for initiative_context\n  const initiativeContext = typeof window !== \"undefined\" ? window.location.hostname : \"\";\n\n  // In mock mode, call /start first to create checkout attempt (mock adapter skips merchant validation)\n  if (airwallexMockScenario !== AirwallexApplePayMockScenario.None) {\n    const startResult = await callAirwallexStartEndpoint(\n      apiBaseUrl,\n      secureToken,\n      options,\n      \"https://mock-apple-pay-gateway.example.com/paymentservices/startSession\",\n      initiativeContext,\n      mockScenarioStr,\n      checkoutRequestId,\n    );\n    if (startResult.error || !startResult.data) {\n      return { errors: { apple_pay: startResult.error || \"Failed to start mock checkout\" } };\n    }\n  }\n\n  // Show Apple Pay sheet with merchant validation callback\n  const paymentResult = await adapter.showPaymentSheet(async (validationUrl: string) => {\n    // Call /start endpoint for merchant validation\n    const startResult = await callAirwallexStartEndpoint(\n      apiBaseUrl,\n      secureToken,\n      options,\n      validationUrl,\n      initiativeContext,\n      mockScenarioStr,\n      checkoutRequestId,\n    );\n\n    if (startResult.error || !startResult.data) {\n      return { error: startResult.error || \"Merchant validation failed\" };\n    }\n\n    if (!startResult.data.merchant_session) {\n      return { error: \"No merchant session returned from server\" };\n    }\n\n    return { merchantSession: startResult.data.merchant_session };\n  });\n\n  if (!paymentResult.success) {\n    if (\"cancelled\" in paymentResult && paymentResult.cancelled) {\n      return { errors: { apple_pay: \"Apple Pay cancelled by user\" } };\n    }\n    return { errors: { apple_pay: paymentResult.error || \"Apple Pay failed\" } };\n  }\n\n  const { token, complete, payerEmail, payerFirstName, payerLastName } = paymentResult;\n\n  // Call /confirm with the token\n  let response = await callAirwallexConfirmEndpoint(\n    apiBaseUrl,\n    secureToken,\n    token,\n    mockScenarioStr,\n    checkoutRequestId,\n    payerEmail,\n    payerFirstName,\n    payerLastName,\n  );\n\n  // Handle 3DS loop\n  let userActionCount = 0;\n  while (response.charge_status === \"pending\" && response.next_action && userActionCount < MAX_USER_ACTIONS) {\n    userActionCount++;\n\n    // Handle 3DS challenge — Airwallex3dsNextAction is structurally identical to SDK's Airwallex3dsAction\n    const nextAction = response.next_action as Airwallex3dsNextAction;\n    const actionResult = await handleNextAction({ type: nextAction.type, url: nextAction.url });\n\n    // Call verify endpoint\n    const verifyResponse = await callAirwallexVerifyEndpoint(apiBaseUrl, secureToken, checkoutRequestId);\n\n    // Check if another 3DS action is required\n    if (verifyResponse.charge_status === \"pending\" && verifyResponse.next_action) {\n      if (!actionResult.success) {\n        console.log(\"[ApplePay:Airwallex] 3DS failed but retry available, continuing loop...\");\n      }\n      response = verifyResponse;\n      continue;\n    }\n\n    // No more actions - check final result\n    if (!actionResult.success) {\n      complete(\"fail\");\n      return {\n        errors: {\n          apple_pay:\n            verifyResponse.error_message_for_customer ||\n            verifyResponse.error_message_for_debug ||\n            actionResult.error ||\n            \"3DS authentication failed\",\n        },\n      };\n    }\n\n    // 3DS succeeded\n    complete(verifyResponse.charge_status === \"success\" ? \"success\" : \"fail\");\n    return toApplePayResult(verifyResponse, secureToken);\n  }\n\n  // Check for max attempts exceeded\n  if (userActionCount >= MAX_USER_ACTIONS) {\n    complete(\"fail\");\n    return { errors: { apple_pay: \"Too many authentication attempts. Please try again.\" } };\n  }\n\n  // No 3DS required - complete with result\n  complete(response.charge_status === \"success\" ? \"success\" : \"fail\");\n  return toApplePayResult(response, secureToken);\n}\n\n// =============================================================================\n// Main Submit Function\n// =============================================================================\n\nconst defSubmitPayment = (\n  states: PaymentKitStates,\n  getAutoPrepareConfig: () => AutoPrepareConfig | null,\n  onClearPrepared: () => void,\n) => {\n  const submitPayment: TInternalFuncs[\"submitPayment\"] = async (_fields, options) => {\n    const { apiBaseUrl, secureToken, environment } = states;\n    const applePayOptions = options as ApplePaySubmitOptions;\n\n    // Fill in processorId/processorType from auto-prepare config if merchant didn't provide them\n    const autoPrepareConfig = getAutoPrepareConfig();\n    if (!applePayOptions.processorId && autoPrepareConfig?.processorId) {\n      applePayOptions.processorId = autoPrepareConfig.processorId;\n    }\n    if (!applePayOptions.processorType && autoPrepareConfig?.processorType) {\n      applePayOptions.processorType = autoPrepareConfig.processorType;\n    }\n\n    // Validate options\n    const validationError = validateOptions(applePayOptions);\n    if (validationError) {\n      return { errors: validationError };\n    }\n\n    try {\n      const mockScenarioStr = getMockScenarioStr(applePayOptions.mockScenario);\n      const checkoutRequestId = getOrCreateCheckoutRequestId(environment);\n      console.log(`[ApplePay] Using checkout_request_id: ${checkoutRequestId}`);\n\n      // Check if we have prepared Stripe state\n      if (preparedStripeState?.adapter.isPrepared()) {\n        console.log(\"[ApplePay] Using prepared Stripe state for immediate sheet display\");\n\n        // Show Apple Pay sheet IMMEDIATELY using the prepared PaymentRequest\n        const paymentResultPromise = preparedStripeState.adapter.showPreparedPaymentSheet();\n        const paymentResult = await paymentResultPromise;\n\n        if (!paymentResult.success) {\n          clearPreparedApplePay();\n\n          if (\"cancelled\" in paymentResult && paymentResult.cancelled) {\n            return { errors: { apple_pay: \"Apple Pay cancelled by user\" } };\n          }\n          const errorMessage = \"error\" in paymentResult ? paymentResult.error : \"Unknown error\";\n          return { errors: { apple_pay: errorMessage } };\n        }\n\n        const { paymentMethodId, paymentMethodEvent, billingDetails } = paymentResult;\n\n        // Confirm with backend using the PaymentMethod ID\n        const confirmResult = await callStripeConfirmEndpoint(\n          apiBaseUrl,\n          secureToken,\n          applePayOptions,\n          paymentMethodId,\n          mockScenarioStr,\n          preparedStripeState.checkoutRequestId,\n          billingDetails?.email,\n        );\n\n        // Complete Apple Pay UI based on result\n        if (confirmResult.data) {\n          paymentMethodEvent.complete(\"success\");\n          clearPreparedApplePay();\n          return confirmResult;\n        } else {\n          paymentMethodEvent.complete(\"fail\");\n          clearPreparedApplePay();\n          return confirmResult;\n        }\n      }\n\n      // Check if this is an Airwallex processor - route directly to Airwallex flow\n      if (applePayOptions.processorType === \"airwallex\") {\n        console.log(\"[ApplePay] Running Airwallex flow (processorType=airwallex)\");\n        // Merge prepare-time state into submit options so country/currency/amount/merchantName\n        // are available even if the merchant only provided them at prepare time\n        if (preparedAirwallexState) {\n          if (applePayOptions.country == null) applePayOptions.country = preparedAirwallexState.country;\n          if (applePayOptions.currency == null) applePayOptions.currency = preparedAirwallexState.currency;\n          if (applePayOptions.amount == null) applePayOptions.amount = preparedAirwallexState.amount;\n          if (applePayOptions.merchantName == null) applePayOptions.merchantName = preparedAirwallexState.merchantName;\n        }\n        try {\n          return await runAirwallexFlow(apiBaseUrl, secureToken, applePayOptions, mockScenarioStr, checkoutRequestId);\n        } finally {\n          preparedAirwallexState = null;\n        }\n      }\n\n      // No prepared state for Stripe - call start endpoint\n      const startResult = await callStripeStartEndpoint(apiBaseUrl, secureToken, applePayOptions, checkoutRequestId);\n\n      if (startResult.error || !startResult.data) {\n        return { errors: { apple_pay: startResult.error || \"Failed to start Apple Pay\" } };\n      }\n\n      const startData = startResult.data;\n\n      // Stripe flow without prepared state - this may fail due to user gesture requirements\n      console.warn(\"[ApplePay] Stripe flow without prepared state - may fail due to user gesture requirements\");\n\n      if (!startData.stripe_pk) {\n        return { errors: { apple_pay: \"Stripe publishable key not provided\" } };\n      }\n\n      const { adapter, error: adapterError } = initializeStripeAdapter(\n        startData.stripe_pk,\n        applePayOptions.mockScenario,\n      );\n      if (!adapter) {\n        return { errors: { apple_pay: adapterError || \"Failed to initialize Stripe adapter\" } };\n      }\n\n      // This will likely fail due to user gesture requirements\n      const prepareResult = await adapter.preparePaymentRequest({\n        country: startData.country,\n        currency: startData.currency.toLowerCase(),\n        total: { label: \"Total\", amount: startData.amount },\n      });\n\n      if (!prepareResult.success || !prepareResult.applePay) {\n        return { errors: { apple_pay: prepareResult.error || \"Apple Pay not available\" } };\n      }\n\n      const paymentResult = await adapter.showPreparedPaymentSheet();\n\n      if (!paymentResult.success) {\n        if (\"cancelled\" in paymentResult && paymentResult.cancelled) {\n          return { errors: { apple_pay: \"Apple Pay cancelled by user\" } };\n        }\n        const errorMessage = \"error\" in paymentResult ? paymentResult.error : \"Unknown error\";\n        return { errors: { apple_pay: errorMessage } };\n      }\n\n      const { paymentMethodId, paymentMethodEvent, billingDetails } = paymentResult;\n\n      const confirmResult = await callStripeConfirmEndpoint(\n        apiBaseUrl,\n        secureToken,\n        applePayOptions,\n        paymentMethodId,\n        mockScenarioStr,\n        checkoutRequestId,\n        billingDetails?.email,\n      );\n\n      if (confirmResult.data) {\n        paymentMethodEvent.complete(\"success\");\n        return confirmResult;\n      } else {\n        paymentMethodEvent.complete(\"fail\");\n        return confirmResult;\n      }\n    } catch (error) {\n      onClearPrepared();\n      return { errors: { apple_pay: `Apple Pay error: ${error}` } };\n    }\n  };\n\n  return submitPayment;\n};\n\n// =============================================================================\n// Payment Method Definition\n// =============================================================================\n\nconst ApplePayPaymentMethod = definePaymentMethod((paymentKitStates) => {\n  const { apiBaseUrl, secureToken, environment } = paymentKitStates;\n\n  // Per-instance auto-prepare state — isolated from other ApplePayPaymentMethod instances.\n  // Note: preparedStripeState and preparedAirwallexState remain module-level globals (pre-existing\n  // architectural constraint shared across the file). Full per-instance isolation for those fields\n  // would require threading them through prepareApplePay, runAirwallexFlow, validateOptions, and\n  // defSubmitPayment — tracked as tech debt.\n  let autoPrepareConfig: AutoPrepareConfig | null = null;\n  let onApplePayReadyCallbacks: ((isReady: boolean) => void)[] = [];\n  let isApplePayReadyState = false;\n  let autoPrepareInProgress = false;\n  // Incremented by cleanup() so that in-flight prepares can detect staleness and skip writes.\n  let cleanupGeneration = 0;\n  // Stores pending retry args when notifyAmountChanged is called while a prepare is in flight.\n  let pendingAutoPrepareArgs: { apiBaseUrl: string; secureToken: string; environment: PaymentKitEnvironment } | null =\n    null;\n  // Resolvers waiting for a queued retry to complete (for correct notifyAmountChanged await).\n  let pendingPrepareResolvers: (() => void)[] = [];\n\n  function instanceSetApplePayReady(ready: boolean): void {\n    isApplePayReadyState = ready;\n    for (const cb of onApplePayReadyCallbacks) cb(ready);\n  }\n\n  function instanceClearPreparedApplePay(): void {\n    clearPreparedApplePay();\n    instanceSetApplePayReady(false);\n  }\n\n  async function instanceAutoPrepare(apBase: string, sToken: string, env: PaymentKitEnvironment): Promise<void> {\n    if (autoPrepareInProgress) {\n      // A prepare is already in flight; queue a retry and return a promise that resolves after it.\n      pendingAutoPrepareArgs = { apiBaseUrl: apBase, secureToken: sToken, environment: env };\n      return new Promise<void>((resolve) => pendingPrepareResolvers.push(resolve));\n    }\n    autoPrepareInProgress = true;\n    // Capture generation so we can detect if cleanup() is called while we await.\n    const capturedGeneration = cleanupGeneration;\n    instanceSetApplePayReady(false);\n\n    try {\n      const result = await apiCall<CheckoutSessionConfig>(`${apBase}/api/checkout-sessions/token/${sToken}`, {\n        method: \"GET\",\n      });\n\n      if (cleanupGeneration !== capturedGeneration) return;\n\n      if (result.error || !result.data) {\n        console.warn(\"[ApplePay] Auto-prepare: failed to fetch session config:\", result.error);\n        return;\n      }\n\n      const processorId = result.data.express_checkout_processor_id;\n      if (!processorId) {\n        console.log(\"[ApplePay] Auto-prepare: no express checkout processor configured\");\n        return;\n      }\n\n      const processorTypeRaw = result.data.express_checkout_processor_type;\n      const processorType =\n        processorTypeRaw === \"airwallex\" || processorTypeRaw === \"stripe\" ? processorTypeRaw : undefined;\n\n      autoPrepareConfig = { processorId, processorType };\n\n      const prepareResult = await prepareApplePay(\n        apBase,\n        sToken,\n        { processorId, processorType, customerInfo: { first_name: \"\", last_name: \"\" } },\n        env,\n      );\n\n      if (cleanupGeneration !== capturedGeneration) return;\n\n      instanceSetApplePayReady(prepareResult.success && prepareResult.applePay === true);\n    } catch (err) {\n      if (cleanupGeneration === capturedGeneration) {\n        console.error(\"[ApplePay] Auto-prepare failed:\", err);\n      }\n    } finally {\n      autoPrepareInProgress = false;\n      const stale = cleanupGeneration !== capturedGeneration;\n      const pending = pendingAutoPrepareArgs;\n      const resolvers = pendingPrepareResolvers.splice(0);\n      if (!stale && pending) {\n        pendingAutoPrepareArgs = null;\n        // Run the retry and resolve all callers that were waiting for it.\n        instanceAutoPrepare(pending.apiBaseUrl, pending.secureToken, pending.environment).then(() => {\n          for (const r of resolvers) r();\n        });\n      } else {\n        pendingAutoPrepareArgs = null;\n        for (const r of resolvers) r();\n      }\n    }\n  }\n\n  // Start auto-prepare immediately so the button is ready before first user interaction.\n  instanceAutoPrepare(apiBaseUrl, secureToken, environment).catch((err) =>\n    console.error(\"[ApplePay] Unhandled init error:\", err),\n  );\n\n  return {\n    name: \"apple_pay\",\n    externalFuncs: {\n      /**\n       * @deprecated The SDK now prepares automatically on init. Use `onApplePayReady` to observe\n       * readiness and `notifyAmountChanged` to trigger re-prepare after amount changes.\n       */\n      prepareApplePay: (options: ApplePaySubmitOptions) =>\n        prepareApplePay(apiBaseUrl, secureToken, options, environment),\n\n      /**\n       * Register a callback to be notified when Apple Pay becomes ready (or stops being ready).\n       * Fires immediately with the current state, then on every state change.\n       * Multiple registrations are all notified — none are silently overwritten.\n       *\n       * @example\n       * paymentKit.apple_pay.onApplePayReady((isReady) => {\n       *   applePayButton.disabled = !isReady;\n       * });\n       */\n      onApplePayReady: (callback: (isReady: boolean) => void): void => {\n        onApplePayReadyCallbacks.push(callback);\n        // Fire immediately with current state so caller doesn't miss a completed prepare.\n        callback(isApplePayReadyState);\n      },\n\n      /**\n       * Notify the SDK that the payment amount has changed (e.g. coupon applied).\n       * The SDK will disable Apple Pay, re-prepare with the new amount, then re-enable.\n       * The returned promise resolves when re-prepare is fully complete.\n       *\n       * @example\n       * await paymentKit.apple_pay.notifyAmountChanged();\n       */\n      notifyAmountChanged: (): Promise<void> => {\n        instanceClearPreparedApplePay();\n        autoPrepareConfig = null;\n        return instanceAutoPrepare(apiBaseUrl, secureToken, environment);\n      },\n    },\n    internalFuncs: {\n      submitPayment: defSubmitPayment(paymentKitStates, () => autoPrepareConfig, instanceClearPreparedApplePay),\n      cleanup: () => {\n        cleanupGeneration++;\n        onApplePayReadyCallbacks = [];\n        isApplePayReadyState = false;\n        autoPrepareConfig = null;\n        pendingAutoPrepareArgs = null;\n        pendingPrepareResolvers = [];\n        autoPrepareInProgress = false;\n        clearPreparedApplePay();\n      },\n    },\n  };\n});\n\nexport { ApplePayMockScenario };\n\nexport default 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package/dist/payment-methods/bnpl-shared.d.mts

@@ -1,5 +1,5 @@
-import "../types-B3mjYfOm.mjs";
+import "../types-Cjcc3xak.mjs";
 import "../connect-card-CZhzK_Tp.mjs";
 import "../connect-tunnel-x-BKtMfoGh.mjs";
-import { a as BnplStartResponse, c as createBnplPaymentMethod, i as BnplStartRequest, n as BnplCustomerInfo, o as BnplStatusResponse, r as BnplProviderConfig, s as BnplSubmitOptions, t as BnplCheckoutResponse } from "../bnpl-shared-BQwCBD45.mjs";
+import { a as BnplStartResponse, c as createBnplPaymentMethod, i as BnplStartRequest, n as BnplCustomerInfo, o as BnplStatusResponse, r as BnplProviderConfig, s as BnplSubmitOptions, t as BnplCheckoutResponse } from "../bnpl-shared-D-Kd58Qz.mjs";
 export { BnplCheckoutResponse, BnplCustomerInfo, BnplProviderConfig, BnplStartRequest, BnplStartResponse, BnplStatusResponse, BnplSubmitOptions, createBnplPaymentMethod };

package/dist/payment-methods/bnpl-shared.mjs

@@ -1,4 +1,4 @@
-import "../utils-Dc6zwOe1.mjs";
-import { t as createBnplPaymentMethod } from "../bnpl-shared-DGs1YzS9.mjs";
+import "../utils-DIqrx4XF.mjs";
+import { t as createBnplPaymentMethod } from "../bnpl-shared-CL900HFN.mjs";
 
 export { createBnplPaymentMethod };

package/dist/payment-methods/card.d.mts

@@ -1,4 +1,4 @@
-import { r as PaymentMethod } from "../types-B3mjYfOm.mjs";
+import { i as PaymentMethod } from "../types-Cjcc3xak.mjs";
 import { n as CardInputType$1, o as connectToCardIframe, r as CheckoutResponse$1 } from "../connect-card-CZhzK_Tp.mjs";
 import "../connect-tunnel-x-BKtMfoGh.mjs";
 

package/dist/payment-methods/card.d.mts.map

@@ -1 +1 @@
-{"version":3,"file":"card.d.mts","names":[],"sources":["../../src/payment-methods/card.ts"],"sourcesContent":[],"mappings":";;;;;KAQY,aAAA,GAAgB;KAChB,gBAAA,GAAmB;KAsG1B,oBAAA,GAAuB,QAAQ,kBAAkB;UAC5C;EAxGE,WAAA,CAAA,EAAA,MAAa;AACzB,CAAA;AAAsD,cA6zBhD,iBAvtBmB,EAQyC,aARzC,CAAA;EAA6B,aAAA,EAAA,CAAA,IAAA,EAQtC,eARsC,EAAA,OAAA,EAQR,oBARQ,EAAA,GAAA;IAAlB,KAAA,EAAA,CAAA,cAAA,EAAA,MAAA,EAAA,GAAA;MAAR,OAAA,EAAA,GAAA,GAAA,IAAA;IAClB,CAAA;EAAM,CAAA;AAAA,CAAA,EAAA,MAstBV,CAAA"}
+{"version":3,"file":"card.d.mts","names":[],"sources":["../../src/payment-methods/card.ts"],"sourcesContent":[],"mappings":";;;;;KAQY,aAAA,GAAgB;KAChB,gBAAA,GAAmB;KAsG1B,oBAAA,GAAuB,QAAQ,kBAAkB;UAC5C;EAxGE,WAAA,CAAA,EAAA,MAAa;AACzB,CAAA;AAAsD,cAu0BhD,iBAjuBmB,EAQyC,aARzC,CAAA;EAA6B,aAAA,EAAA,CAAA,IAAA,EAQtC,eARsC,EAAA,OAAA,EAQR,oBARQ,EAAA,GAAA;IAAlB,KAAA,EAAA,CAAA,cAAA,EAAA,MAAA,EAAA,GAAA;MAAR,OAAA,EAAA,GAAA,GAAA,IAAA;IAClB,CAAA;EAAM,CAAA;AAAA,CAAA,EAAA,MAguBV,CAAA"}

package/dist/payment-methods/card.mjs

@@ -1,8 +1,8 @@
 import { n as AnalyticsService } from "../analytics-Blvs2DW7.mjs";
 import "../penpal-CBrj43M5.mjs";
 import { t as TunnelXManager } from "../connect-tunnel-x-5XOct5Tm.mjs";
-import { a as validateFormFields, i as definePaymentMethod, n as collectFraudMetadata, r as createCheckoutIFrame, s as withRequestId, t as $ } from "../utils-Dc6zwOe1.mjs";
-import { t as handleNextAction } from "../next-action-handlers-CLOt1wzO.mjs";
+import { a as validateFormFields, i as definePaymentMethod, n as collectFraudMetadata, r as createCheckoutIFrame, s as withRequestId, t as $ } from "../utils-DIqrx4XF.mjs";
+import { t as handleNextAction } from "../next-action-handlers-BZ5gynXe.mjs";
 import { t as connectToCardIframe } from "../connect-card-kXLdSNTL.mjs";
 import { n as initVgsCollect, r as loadVgsCollectScript, t as createVgsCardFields } from "../vgs-collect-loader-CTLSv4qv.mjs";
 
@@ -198,7 +198,10 @@ const defSubmitPayment = (states) => {
 		timingTracker.trackSubmit();
 		const requestOptions = withRequestId(checkoutRequestId);
 		const tunnelX = await TunnelXManager.createFromPenpalConnection(states.tunnelXConnection);
-		const validateFormResult = options?.skipCustomerValidation === true ? { isSuccess: true } : await validateFormFields(fields);
+		const validateFormResult = options?.skipCustomerValidation === true ? {
+			isSuccess: true,
+			errors: {}
+		} : await validateFormFields(fields);
 		if (!isVgsMode) {
 			const validateCardResult = await validateCardFields(states);
 			if (!(validateCardResult.isSuccess && validateFormResult.isSuccess)) {
@@ -477,6 +480,7 @@ const submitVgsCardFields = async (states, tunnelX) => {
 		};
 	}
 	const { pan_alias, cvc_alias, exp_month, exp_year } = cardResult.data.attributes;
+	if (!cvc_alias) console.warn(`${logPrefix} VGS createCard response missing cvc_alias (303 dedup):`, JSON.stringify(cardResult.data.attributes));
 	const fullYear = exp_year < 100 ? 2e3 + exp_year : exp_year;
 	const formattedExp = `${String(exp_month).padStart(2, "0")}/${fullYear}`;
 	const cmpCardId = cardResult.data.id;
@@ -487,7 +491,7 @@ const submitVgsCardFields = async (states, tunnelX) => {
 			updateCardSetupIntentReq: {
 				cardPan: pan_alias,
 				cardExp: formattedExp,
-				cardCvc: cvc_alias,
+				...cvc_alias ? { cardCvc: cvc_alias } : {},
 				cmpCardId,
 				fraudMetadata: collectFraudMetadata()
 			}

package/dist/payment-methods/card.mjs.map

@@ -1 +1 @@
-{"version":3,"file":"card.mjs","names":["taxIds: string[] | undefined","cleanupVgs: (() => void) | undefined","cleanupDirect: (() => void) | undefined","cdnTimeoutId: ReturnType<typeof setTimeout>","params: Record<string, string>","submitPayment: TInternalFuncs[\"submitPayment\"]","VGS_FIELD_MAP: Record<string, keyof PaymentKitErrors>","accessToken: string","cardResult: VGSCreateCardResponse","createCardTimeoutId: ReturnType<typeof setTimeout>","errors: PaymentKitErrors"],"sources":["../../src/payment-methods/card.ts"],"sourcesContent":["import {\n  connectToCardIframe,\n  type IFrameConnection,\n  type CardInputType as PenpalCardInputType,\n  type CheckoutResponse as PenpalCheckoutResponse,\n} from \"../penpal/connect-card\";\n\n// Re-export types for public API\nexport type CardInputType = PenpalCardInputType;\nexport type CheckoutResponse = PenpalCheckoutResponse;\n\nimport { AnalyticsService } from \"../analytics\";\nimport { TunnelXManager } from \"../penpal/connect-tunnel-x\";\nimport type { PaymentKitErrors, PaymentKitFields, PaymentKitStates, TInternalFuncs } from \"../types\";\nimport {\n  $,\n  collectFraudMetadata,\n  createCheckoutIFrame,\n  definePaymentMethod,\n  validateFormFields,\n  withRequestId,\n} from \"../utils\";\nimport { handleNextAction } from \"./next-action-handlers\";\nimport { createVgsCardFields, initVgsCollect, loadVgsCollectScript } from \"./vgs-collect-loader\";\n\n/**\n * Splits a full name into first name and last name.\n * First word becomes firstName, rest becomes lastName.\n */\nconst splitName = (fullName: string): { firstName: string; lastName?: string } => {\n  const trimmed = fullName.trim();\n  const spaceIndex = trimmed.indexOf(\" \");\n  if (spaceIndex === -1) {\n    return { firstName: trimmed };\n  }\n  return {\n    firstName: trimmed.substring(0, spaceIndex),\n    lastName: trimmed.substring(spaceIndex + 1).trim() || undefined,\n  };\n};\n\n/**\n * Maps PaymentKitFields to the customerInfo structure expected by the API.\n */\nconst mapFieldsToCustomerInfo = (fields: PaymentKitFields) => {\n  const { firstName, lastName } = splitName(fields.customer_name);\n\n  const hasBillingAddress =\n    fields.customer_country ||\n    fields.customer_zip_code ||\n    fields.customer_address_line1 ||\n    fields.customer_address_line2 ||\n    fields.customer_city ||\n    fields.customer_state;\n\n  const hasShippingAddress =\n    fields.shipping_address_line1 ||\n    fields.shipping_address_line2 ||\n    fields.shipping_city ||\n    fields.shipping_state ||\n    fields.shipping_zip_code ||\n    fields.shipping_country;\n\n  let taxIds: string[] | undefined;\n  if (fields.customer_tax_ids) {\n    try {\n      taxIds = JSON.parse(fields.customer_tax_ids);\n    } catch {\n      taxIds = undefined;\n    }\n  }\n\n  return {\n    email: fields.customer_email || undefined,\n    firstName,\n    lastName,\n    businessName: fields.customer_business_name || undefined,\n    taxIds: taxIds?.length ? taxIds : undefined,\n    billingAddress: hasBillingAddress\n      ? {\n          country: fields.customer_country || undefined,\n          zipCode: fields.customer_zip_code || undefined,\n          line1: fields.customer_address_line1 || undefined,\n          line2: fields.customer_address_line2 || undefined,\n          city: fields.customer_city || undefined,\n          state: fields.customer_state || undefined,\n        }\n      : undefined,\n    shippingAddress: hasShippingAddress\n      ? {\n          line1: fields.shipping_address_line1 || undefined,\n          line2: fields.shipping_address_line2 || undefined,\n          city: fields.shipping_city || undefined,\n          state: fields.shipping_state || undefined,\n          zipCode: fields.shipping_zip_code || undefined,\n          country: fields.shipping_country || undefined,\n        }\n      : undefined,\n  };\n};\n\ntype CardStates = PaymentKitStates & {\n  cardSetupIntentId?: string;\n  cardInputConnections: Partial<Record<PenpalCardInputType, IFrameConnection>>;\n  vgsForm?: VGSCollectForm;\n  vgsFieldsCleanup?: () => void;\n  vgsFocusCallbacks?: Partial<Record<PenpalCardInputType, (isFocused: boolean) => void>>;\n  vgsMountSelectors?: Partial<Record<PenpalCardInputType, string>>;\n  vgsPlaceholders?: Partial<Record<PenpalCardInputType, string>>;\n};\n\ntype CreateElementOptions = Partial<Parameters<typeof connectToCardIframe>[1]> & {\n  style?: Record<string, string>;\n  placeholder?: string;\n};\n\nconst defCreateElement = (states: CardStates) => {\n  const { baseUrl, apiBaseUrl, cardInputConnections, secureToken, timingTracker } = states;\n\n  return (type: PenpalCardInputType, options: CreateElementOptions) => {\n    const { style, onLoaded, onFocusChange, placeholder } = options;\n\n    const mountIFrame = (parentSelector: string) => {\n      // Mutable cleanup callbacks — set once mode is determined and mount completes\n      let cleanupVgs: (() => void) | undefined;\n      let cleanupDirect: (() => void) | undefined;\n      // Cancellation flag: prevents deferred doMount from executing after unmount.\n      // Needed because React strict mode may call unmount before the deferred\n      // _sessionConfigReady promise resolves.\n      let cancelled = false;\n\n      /**\n       * Performs the actual DOM mount after the tokenization mode is known.\n       * Runs synchronously when mode is explicitly provided, or after the\n       * auto-detect fetch resolves.\n       */\n      // Store mount selector so VGS init (triggered by card_pan) can read\n      // the exp/cvc selectors that were registered by their own createElement calls.\n      if (!states.vgsMountSelectors) states.vgsMountSelectors = {};\n      states.vgsMountSelectors[type] = parentSelector;\n\n      const doMount = () => {\n        if (cancelled) return;\n        const isVgsMode = states.cardTokenizationMode === \"vgs\";\n        console.log(\n          `[PaymentKit] card.doMount(${type}) — mode: ${states.cardTokenizationMode}, vgsVaultId: ${states.vgsVaultId ?? \"unset\"}, vgsEnvironment: ${states.vgsEnvironment ?? \"unset\"}`,\n        );\n\n        // VGS mode: initialize VGS Collect form and mount fields on card_pan\n        if (isVgsMode && states.vgsVaultId && states.vgsEnvironment) {\n          // Store per-field focus callbacks and placeholders so createVgsCardFields\n          // can wire each field to its own callback/placeholder. All three createElement\n          // calls complete before the CDN script loads, so all values are available by then.\n          if (onFocusChange) {\n            if (!states.vgsFocusCallbacks) states.vgsFocusCallbacks = {};\n            states.vgsFocusCallbacks[type] = onFocusChange;\n          }\n          if (placeholder) {\n            if (!states.vgsPlaceholders) states.vgsPlaceholders = {};\n            states.vgsPlaceholders[type] = placeholder;\n          }\n\n          if (type === \"card_pan\") {\n            const vaultId = states.vgsVaultId;\n            const vgsEnv = states.vgsEnvironment;\n\n            console.log(`[PaymentKit] VGS mode active — loading VGS Collect CDN for vault ${vaultId} (${vgsEnv})...`);\n            const VGS_CDN_TIMEOUT_MS = 15_000;\n            let cdnTimeoutId: ReturnType<typeof setTimeout>;\n            Promise.race([\n              loadVgsCollectScript(),\n              new Promise<never>((_, reject) => {\n                cdnTimeoutId = setTimeout(() => {\n                  console.warn(`[PaymentKit] VGS Collect CDN load timed out after ${VGS_CDN_TIMEOUT_MS / 1000}s`);\n                  reject(new Error(\"VGS Collect CDN load timed out\"));\n                }, VGS_CDN_TIMEOUT_MS);\n              }),\n            ])\n              .finally(() => clearTimeout(cdnTimeoutId))\n              .then(() => {\n                if (cancelled) return;\n                console.log(\"[PaymentKit] VGS Collect CDN loaded — initializing form...\");\n                const form = initVgsCollect(vaultId, vgsEnv);\n                if (cancelled) {\n                  form.unmount();\n                  return;\n                }\n                states.vgsForm = form;\n\n                const css = style\n                  ? Object.fromEntries(\n                      Object.entries(style).map(([k, v]) => [k.replace(/([A-Z])/g, \"-$1\").toLowerCase(), v]),\n                    )\n                  : undefined;\n\n                // Read exp/cvc selectors from shared state.\n                // Each createElement(\"card_exp/card_cvc\").mount(selector) stores its\n                // selector before this async callback runs, so they're available here.\n                const expSelector = states.vgsMountSelectors?.card_exp;\n                const cvcSelector = states.vgsMountSelectors?.card_cvc;\n                if (!expSelector || !cvcSelector) {\n                  const msg =\n                    `[PaymentKit] VGS mode requires all three card fields to be mounted. ` +\n                    `Missing: ${!expSelector ? \"card_exp\" : \"\"}${!expSelector && !cvcSelector ? \", \" : \"\"}${!cvcSelector ? \"card_cvc\" : \"\"}`;\n                  console.error(msg);\n                  onLoaded?.();\n                  return;\n                }\n                console.log(\n                  `[PaymentKit] Creating VGS card fields — pan: ${parentSelector}, exp: ${expSelector}, cvc: ${cvcSelector}`,\n                );\n                states.vgsFieldsCleanup = createVgsCardFields(\n                  form,\n                  {\n                    pan: parentSelector,\n                    exp: expSelector,\n                    cvc: cvcSelector,\n                  },\n                  css,\n                  states.vgsFocusCallbacks,\n                  states.vgsPlaceholders,\n                );\n\n                console.log(\"[PaymentKit] VGS card fields created successfully\");\n                timingTracker.trackInputReady();\n                onLoaded?.();\n              })\n              .catch((err) => {\n                console.error(\"[PaymentKit] Failed to load VGS Collect script. Card input will not be available:\", err);\n                // Signal loaded so the form exits loading state rather than hanging forever.\n                // Card fields won't render, but submit will fail with a clear error.\n                onLoaded?.();\n              });\n          }\n\n          // For non-pan fields in VGS mode, signal loaded immediately since\n          // VGS handles all three fields from the card_pan mount.\n          if (type !== \"card_pan\") {\n            onLoaded?.();\n          }\n\n          cleanupVgs = () => {\n            if (type === \"card_pan\" && states.vgsForm) {\n              try {\n                states.vgsFieldsCleanup?.();\n              } catch {\n                // VGS may try to remove iframes from containers already removed by React\n              }\n              states.vgsFieldsCleanup = undefined;\n              try {\n                states.vgsForm.unmount();\n              } catch {\n                // VGS unmount may fail if DOM nodes are already detached\n              }\n              states.vgsForm = undefined;\n            }\n          };\n          return;\n        }\n\n        // If we got here and mode was \"vgs\", it means VGS config was incomplete\n        if (isVgsMode) {\n          console.warn(\n            `[PaymentKit] VGS mode requested but config incomplete (vgsVaultId: ${states.vgsVaultId ?? \"unset\"}, vgsEnvironment: ${states.vgsEnvironment ?? \"unset\"}) — using direct mode`,\n          );\n        }\n\n        // Direct mode: existing penpal iframe logic\n        const parent = $(parentSelector) as HTMLElement;\n\n        // Read container padding so the embed input matches the merchant's\n        // visual intent. The iframe uses absolute positioning to fill the\n        // full container, so the input needs its own padding for alignment.\n        const computed = getComputedStyle(parent);\n        const containerPadding = computed.padding !== \"0px\" ? computed.padding : undefined;\n        const enhancedStyle = {\n          ...(style ?? {}),\n          height: \"100%\",\n          boxSizing: \"border-box\",\n          ...(containerPadding ? { padding: containerPadding } : {}),\n        };\n\n        const params: Record<string, string> = {\n          checkout_token: secureToken,\n          api_base_url: apiBaseUrl,\n          style: JSON.stringify(enhancedStyle),\n        };\n\n        const iframe = createCheckoutIFrame(type.replace(\"_\", \"-\"), baseUrl, params);\n\n        // Use absolute positioning so the iframe covers the full container\n        // including any padding the merchant's CSS applies.\n        if (computed.position === \"static\") {\n          parent.style.position = \"relative\";\n        }\n        iframe.style.position = \"absolute\";\n        iframe.style.inset = \"0\";\n\n        // Set cleanup before DOM mutation to avoid leaking the iframe if\n        // unmount() is called between appendChild and onload.\n        cleanupDirect = () => {\n          const connection = cardInputConnections[type];\n          connection?.destroy();\n          try {\n            parent.removeChild(iframe);\n          } catch {\n            // Parent may already be detached from DOM by React\n          }\n          states.cardInputConnections[type] = undefined;\n        };\n\n        parent.appendChild(iframe);\n\n        iframe.onload = () => {\n          if (type === \"card_pan\") {\n            timingTracker.trackInputReady();\n          }\n\n          const connection = connectToCardIframe(iframe, {\n            onLoaded: onLoaded || (() => {}),\n            onFocusChange: onFocusChange || (() => {}),\n          });\n\n          states.cardInputConnections[type] = connection;\n        };\n      };\n\n      // If session config needs auto-detection, wait for it; otherwise mount synchronously\n      if (states._sessionConfigReady) {\n        states._sessionConfigReady.then(doMount);\n      } else {\n        doMount();\n      }\n\n      return {\n        unmount: () => {\n          cancelled = true;\n          cleanupVgs?.();\n          cleanupDirect?.();\n        },\n      };\n    };\n\n    return { mount: mountIFrame };\n  };\n};\n\nconst defSubmitPayment = (states: CardStates) => {\n  const submitPayment: TInternalFuncs[\"submitPayment\"] = async (fields, options) => {\n    // Ensure session config is loaded (no-op if explicitly provided)\n    if (states._sessionConfigReady) await states._sessionConfigReady;\n    const isVgsMode = states.cardTokenizationMode === \"vgs\";\n\n    const { timingTracker, checkoutRequestId } = states;\n\n    // Track submit event\n    timingTracker.trackSubmit();\n\n    // Use the checkout request ID from states (generated on page load)\n    const requestOptions = withRequestId(checkoutRequestId);\n\n    const tunnelX = await TunnelXManager.createFromPenpalConnection(states.tunnelXConnection);\n\n    // Step 1. Validate form values.\n    // Form field validation is shared across both modes.\n    // In VGS mode, card field validation is handled by VGS Collect (built-in validators).\n    // In direct mode, card field validation is handled by penpal iframes.\n    const skipCustomerValidation = options?.skipCustomerValidation === true;\n    const validateFormResult = skipCustomerValidation ? { isSuccess: true as const } : await validateFormFields(fields);\n    if (!isVgsMode) {\n      const validateCardResult = await validateCardFields(states);\n      if (!(validateCardResult.isSuccess && validateFormResult.isSuccess)) {\n        timingTracker.trackFail(null, \"validation_error\", \"Form validation failed\");\n        return { errors: { ...validateCardResult.errors, ...validateFormResult.errors } };\n      }\n    } else if (!validateFormResult.isSuccess) {\n      timingTracker.trackFail(null, \"validation_error\", \"Form validation failed\");\n      return { errors: validateFormResult.errors };\n    }\n\n    // Step 2. Create card setup intent if not present\n    if (!states.cardSetupIntentId) {\n      const res = await tunnelX.publicEndpoints.createCardSetupIntent({\n        checkoutToken: states.secureToken,\n      });\n      states.cardSetupIntentId = res.cardSetupIntentId;\n    }\n\n    // Step 3. Submit card values.\n    if (isVgsMode) {\n      // VGS mode: create card via CMP, then send aliases to backend\n      console.log(\"[PaymentKit] Submitting card via VGS CMP...\");\n      const vgsSubmitResult = await submitVgsCardFields(states, tunnelX);\n      if (!vgsSubmitResult.isSuccess) {\n        // Include field-level error details for PostHog visibility\n        const errorDetail = Object.entries(vgsSubmitResult.errors)\n          .map(([k, v]) => `${k}: ${v}`)\n          .join(\", \");\n        timingTracker.trackFail(null, \"card_submit_error\", errorDetail || \"VGS card submission failed\");\n        return { errors: vgsSubmitResult.errors };\n      }\n    } else {\n      // Direct mode: submit via penpal iframes\n      const submitCardResult = await submitCardFields(states);\n      if (!submitCardResult.isSuccess) {\n        timingTracker.trackFail(null, \"card_submit_error\", \"Card submission failed\");\n        return { errors: submitCardResult.errors };\n      }\n    }\n\n    // Step 4. Get card setup intent.\n    const cardSetupIntent = await tunnelX.publicEndpoints.getCardSetupIntent({\n      cardSetupIntentId: states.cardSetupIntentId,\n      checkoutToken: states.secureToken,\n    });\n    if (!cardSetupIntent.isCardAllSet) {\n      const errors = {} as PaymentKitErrors;\n      if (!cardSetupIntent.isCardPanSet) errors.card_pan = \"required\";\n      if (!cardSetupIntent.isCardExpSet) errors.card_exp = \"required\";\n      if (!cardSetupIntent.isCardCvcSet) errors.card_cvc = \"required\";\n      timingTracker.trackFail(null, \"card_setup_incomplete\", \"Card details incomplete\");\n      return { errors };\n    }\n\n    console.log(\"Card setup intent is set ✅\", cardSetupIntent);\n    console.log(\"Fields\", fields);\n\n    // Step 5. Submit card checkout with customer info and fraud metadata\n    let currentResult = await tunnelX.publicEndpoints.cardCheckout(\n      {\n        checkoutToken: states.secureToken,\n        publicCardCheckoutRequest: {\n          cardSetupIntentId: states.cardSetupIntentId,\n          customerInfo: mapFieldsToCustomerInfo(fields),\n          fraudMetadata: collectFraudMetadata(),\n        },\n      },\n      requestOptions,\n    );\n\n    console.log(\"Card checkout result:\", currentResult);\n\n    // Step 6. Handle next actions in a loop (supports multiple 3DS challenges)\n    // This loop handles the case where one processor fails and we try another\n    // that also requires 3DS authentication.\n    const MAX_USER_ACTIONS = 5; // Safety limit to prevent infinite loops\n    let userActionCount = 0;\n\n    while (currentResult.nextAction && userActionCount < MAX_USER_ACTIONS) {\n      userActionCount++;\n      console.log(`Handling user action ${userActionCount}/${MAX_USER_ACTIONS}...`);\n\n      const actionResult = await handleNextAction(currentResult.nextAction);\n\n      // Always call verify endpoint so backend can properly conclude the checkout.\n      // This is needed even on 3DS failure so the backend can transition from\n      // user_actions_requested to card_payment_concluded with proper failure state.\n      console.log(\"User action completed, verifying checkout...\");\n      const verifyResult = await tunnelX.publicEndpoints.cardCheckoutVerify(\n        {\n          checkoutToken: states.secureToken,\n        },\n        requestOptions,\n      );\n\n      // Check if another action is required (e.g., cascade to next processor with 3DS)\n      // This must be checked BEFORE returning error, as cascade may offer a new 3DS challenge\n      if (verifyResult.nextAction) {\n        if (!actionResult.success) {\n          console.log(\"3DS failed but cascade triggered new action, continuing loop...\");\n        } else {\n          console.log(\"Another user action required, continuing loop...\");\n        }\n        currentResult = verifyResult;\n        continue;\n      }\n\n      if (!actionResult.success) {\n        // 3DS failed and no cascade/retry available - return error\n        // Include verifyResult as checkout_response so error_code is available to frontend\n        console.log(\"3DS authentication failed, checkout concluded:\", verifyResult);\n        timingTracker.trackFail(\n          verifyResult.checkoutAttemptId || null,\n          verifyResult.errorCode || \"3ds_failed\",\n          verifyResult.errorMessageForCustomer || actionResult.error,\n        );\n        return {\n          errors: {\n            root: verifyResult.errorMessageForCustomer || actionResult.error,\n            checkout_response: verifyResult,\n          },\n        };\n      }\n\n      console.log(\"Card checkout verified ✅\", verifyResult);\n\n      // No more actions needed, return the result\n      timingTracker.trackSuccess(verifyResult.checkoutAttemptId || \"unknown\");\n      return { data: verifyResult as { [key: string]: unknown } };\n    }\n\n    if (userActionCount >= MAX_USER_ACTIONS) {\n      console.error(\"Max user actions exceeded\");\n      timingTracker.trackFail(null, \"max_actions_exceeded\", \"Too many authentication attempts\");\n      return { errors: { root: \"Too many authentication attempts. Please try again.\" } };\n    }\n\n    // Check if checkout succeeded or failed\n    // States: checkout_succeeded (success), payment_failed (failure)\n    if (currentResult.state === \"payment_failed\" || currentResult.state === \"checkout_failed\") {\n      console.log(\"Card checkout failed:\", currentResult);\n      timingTracker.trackFail(\n        currentResult.checkoutAttemptId || null,\n        currentResult.errorCode || \"payment_failed\",\n        currentResult.errorMessageForCustomer || \"Payment failed\",\n      );\n      // Return the full response as errors so frontend can display error details\n      // including error_code, error_message_for_customer, error_message_for_debug\n      return {\n        errors: {\n          root: currentResult.errorMessageForCustomer || \"Payment failed\",\n          checkout_response: currentResult,\n        },\n      };\n    }\n\n    console.log(\"Card checkout completed ✅\", currentResult);\n    timingTracker.trackSuccess(currentResult.checkoutAttemptId || \"unknown\");\n    return { data: currentResult as { [key: string]: unknown } };\n  };\n  return submitPayment;\n};\n\n/**\n * Fetches a VGS CMP access token from the backend.\n * Uses AbortController with 10s timeout to prevent indefinite hangs on slow networks.\n */\nconst FETCH_COLLECT_TOKEN_TIMEOUT_MS = 10_000;\n\nconst fetchCollectToken = async (apiBaseUrl: string, secureToken: string): Promise<string> => {\n  const controller = new AbortController();\n  const timeoutId = setTimeout(() => controller.abort(), FETCH_COLLECT_TOKEN_TIMEOUT_MS);\n\n  try {\n    const resp = await fetch(`${apiBaseUrl}/api/card-setup-intents/${secureToken}/collect-token`, {\n      method: \"POST\",\n      headers: { \"Content-Type\": \"application/json\" },\n      signal: controller.signal,\n    });\n    if (!resp.ok) {\n      throw new Error(`Failed to get collect token: ${resp.status}`);\n    }\n    const data = await resp.json();\n    return data.access_token;\n  } finally {\n    clearTimeout(timeoutId);\n  }\n};\n\n/**\n * Creates a card via VGS CMP and sends aliases to our backend.\n *\n * Flow:\n * 1. Fetch CMP access token from our backend\n * 2. Call form.createCard() → VGS creates card, returns aliases\n * 3. Send aliases + fraud metadata to our backend via updateCardSetupIntent\n */\n/**\n * Map VGS field-level error keys to PaymentKitErrors field keys.\n *\n * VGS CMP errorCallback uses short field names (\"pan\", \"cvc\", \"exp-date\")\n * matching the CMP field type, NOT the longer CSS-style names. Both forms\n * are mapped here for robustness.\n */\nconst VGS_FIELD_MAP: Record<string, keyof PaymentKitErrors> = {\n  // Actual VGS CMP error keys (verified empirically)\n  pan: \"card_pan\",\n  cvc: \"card_cvc\",\n  \"exp-date\": \"card_exp\",\n  // Alternative key formats (VGS documentation references)\n  \"card-number\": \"card_pan\",\n  \"card-security-code\": \"card_cvc\",\n  \"card-expiration-date\": \"card_exp\",\n};\n\n/**\n * Safely stringify an error for console logging.\n * VGS errors are plain objects that print as [object Object] without this.\n */\nconst stringifyError = (err: unknown): string => {\n  if (err instanceof Error) return err.message;\n  try {\n    return JSON.stringify(err);\n  } catch {\n    return String(err);\n  }\n};\n\nconst submitVgsCardFields = async (\n  states: CardStates,\n  tunnelX: Awaited<ReturnType<typeof TunnelXManager.createFromPenpalConnection>>,\n): Promise<{ errors: PaymentKitErrors; isSuccess: boolean }> => {\n  const { vgsForm, cardSetupIntentId, secureToken, apiBaseUrl, checkoutRequestId } = states;\n  const logPrefix = `[PaymentKit] [${checkoutRequestId}]`;\n  const errors = {} as PaymentKitErrors;\n\n  if (!vgsForm) {\n    errors.card_pan = \"required\";\n    return { errors, isSuccess: false };\n  }\n\n  if (!cardSetupIntentId) {\n    errors.root = \"Card setup intent not created\";\n    return { errors, isSuccess: false };\n  }\n\n  // Step 1: Get CMP access token from our backend\n  let accessToken: string;\n  const collectTokenStart = performance.now();\n  try {\n    accessToken = await fetchCollectToken(apiBaseUrl, secureToken);\n    const collectTokenDuration = Math.round(performance.now() - collectTokenStart);\n    AnalyticsService.capture(\"vgs_collect_token_timing\", {\n      checkout_session_id: secureToken,\n      request_id: checkoutRequestId,\n      duration_ms: collectTokenDuration,\n      success: true,\n    });\n  } catch (err) {\n    const collectTokenDuration = Math.round(performance.now() - collectTokenStart);\n    const isAbortError = err instanceof DOMException && err.name === \"AbortError\";\n    AnalyticsService.capture(\"vgs_collect_token_timing\", {\n      checkout_session_id: secureToken,\n      request_id: checkoutRequestId,\n      duration_ms: collectTokenDuration,\n      success: false,\n      error_type: isAbortError ? \"FETCH_TIMEOUT\" : \"FETCH_ERROR\",\n    });\n    console.error(`${logPrefix} VGS auth token fetch failed:`, stringifyError(err));\n    errors.root = isAbortError\n      ? \"Card authentication timed out — please try again\"\n      : \"Card authentication failed — please try again\";\n    return { errors, isSuccess: false };\n  }\n\n  // Step 2: Create card via VGS CMP — returns aliases for PAN/CVC, plain text expiry\n  let cardResult: VGSCreateCardResponse;\n  const VGS_CREATE_CARD_TIMEOUT_MS = 120_000;\n  const createCardStart = performance.now();\n  try {\n    let createCardTimeoutId: ReturnType<typeof setTimeout>;\n    cardResult = await Promise.race([\n      new Promise<VGSCreateCardResponse>((resolve, reject) => {\n        vgsForm.createCard(\n          {\n            auth: accessToken,\n            data: { cardholder: {} },\n          },\n          (_status, cardObject) => resolve(cardObject),\n          (error) => reject(error),\n        );\n      }),\n      new Promise<never>((_, reject) => {\n        createCardTimeoutId = setTimeout(() => reject(new Error(\"VGS_TIMEOUT\")), VGS_CREATE_CARD_TIMEOUT_MS);\n      }),\n    ]).finally(() => clearTimeout(createCardTimeoutId));\n\n    // Emit timing event on success\n    const createCardDuration = Math.round(performance.now() - createCardStart);\n    AnalyticsService.capture(\"vgs_create_card_timing\", {\n      checkout_session_id: secureToken,\n      request_id: checkoutRequestId,\n      duration_ms: createCardDuration,\n      success: true,\n    });\n  } catch (err) {\n    const createCardDuration = Math.round(performance.now() - createCardStart);\n    const errStr = stringifyError(err);\n    console.error(`${logPrefix} VGS createCard failed:`, errStr);\n\n    // Distinguish timeout from VGS field validation errors\n    if (err instanceof Error && err.message === \"VGS_TIMEOUT\") {\n      AnalyticsService.capture(\"vgs_create_card_timing\", {\n        checkout_session_id: secureToken,\n        request_id: checkoutRequestId,\n        duration_ms: createCardDuration,\n        success: false,\n        error_type: \"VGS_TIMEOUT\",\n      });\n      errors.root = \"Card processing timed out — please try again\";\n      return { errors, isSuccess: false };\n    }\n\n    // VGS errorCallback returns field-level errors as a plain object,\n    // e.g. { \"card-number\": { errorMessages: [\"Card number is not valid\"] } }\n    // Map them to per-field errors so inline validation shows on the right field.\n    if (err && typeof err === \"object\" && !(err instanceof Error)) {\n      const vgsErrors = err as Record<string, unknown>;\n      for (const [vgsKey, fieldKey] of Object.entries(VGS_FIELD_MAP)) {\n        if (vgsKey in vgsErrors) {\n          const fieldErr = vgsErrors[vgsKey] as Record<string, unknown> | undefined;\n          const messages = fieldErr?.errorMessages;\n          errors[fieldKey] = Array.isArray(messages) ? messages[0] : \"invalid\";\n        }\n      }\n      if (Object.keys(errors).length > 0) {\n        AnalyticsService.capture(\"vgs_create_card_timing\", {\n          checkout_session_id: secureToken,\n          request_id: checkoutRequestId,\n          duration_ms: createCardDuration,\n          success: false,\n          error_type: \"VGS_VALIDATION_ERROR\",\n        });\n        return { errors, isSuccess: false };\n      }\n    }\n\n    // Generic VGS error\n    AnalyticsService.capture(\"vgs_create_card_timing\", {\n      checkout_session_id: secureToken,\n      request_id: checkoutRequestId,\n      duration_ms: createCardDuration,\n      success: false,\n      error_type: \"VGS_ERROR\",\n    });\n    errors.root = \"Card validation failed — please check your card details and try again\";\n    return { errors, isSuccess: false };\n  }\n\n  // Step 3: Extract aliases and expiry from CMP response\n  if (!cardResult?.data?.attributes) {\n    console.error(`${logPrefix} VGS createCard returned invalid response:`, stringifyError(cardResult));\n    errors.root = \"Card processing returned an invalid response — please try again\";\n    return { errors, isSuccess: false };\n  }\n  const { pan_alias, cvc_alias, exp_month, exp_year } = cardResult.data.attributes;\n  const fullYear = exp_year < 100 ? 2000 + exp_year : exp_year;\n  const formattedExp = `${String(exp_month).padStart(2, \"0\")}/${fullYear}`;\n\n  // Capture CMP card ID for network token tracking\n  const cmpCardId = cardResult.data.id;\n\n  // Step 4: Send aliases + fraud metadata to our backend.\n  // CVC is sent as a VGS alias from createCard. Additionally, the CVC is\n  // submitted via the vault inbound proxy (REDACT route) as a fallback for\n  // the 303 deduplication path where VGS returns an existing card without\n  // a fresh cvc_alias.\n  try {\n    const updateIntentCall = tunnelX.publicEndpoints.updateCardSetupIntent({\n      checkoutToken: secureToken,\n      cardSetupIntentId: cardSetupIntentId,\n      updateCardSetupIntentReq: {\n        cardPan: pan_alias,\n        cardExp: formattedExp,\n        cardCvc: cvc_alias,\n        cmpCardId: cmpCardId,\n        fraudMetadata: collectFraudMetadata(),\n      },\n    });\n\n    const proxyCvcCall = new Promise<void>((resolve, reject) => {\n      if (!vgsForm.submit) {\n        reject(new Error(\"VGS form.submit not available\"));\n        return;\n      }\n      vgsForm.submit(\n        `/api/card-setup-intents/${secureToken}/${cardSetupIntentId}`,\n        {\n          method: \"post\",\n          headers: { \"Content-Type\": \"application/json\" },\n          data: (fields: Record<string, unknown>) => ({ card_cvc: fields.cvc }),\n        },\n        (_status: number) => resolve(),\n        (err: unknown) => reject(err),\n      );\n    });\n\n    await Promise.all([updateIntentCall, proxyCvcCall]);\n  } catch (err) {\n    console.error(`${logPrefix} updateCardSetupIntent failed:`, stringifyError(err));\n    errors.root = \"Failed to save card details — please try again\";\n    return { errors, isSuccess: false };\n  }\n\n  return { errors: {}, isSuccess: true };\n};\n\nconst submitCardFields = async (states: CardStates) => {\n  const errors = {} as PaymentKitErrors;\n  const { cardSetupIntentId, cardInputConnections } = states;\n\n  const submitPromises = Object.entries(cardInputConnections).map(async ([_type, connection]) => {\n    const type = _type as PenpalCardInputType;\n\n    const remote = await connection.promise;\n    const result = await remote.onSubmit(cardSetupIntentId || \"\");\n\n    if (\"error\" in result) {\n      errors[type] = result.error;\n    }\n  });\n\n  await Promise.allSettled(submitPromises);\n\n  return {\n    errors,\n    isSuccess: Object.keys(errors).length === 0,\n  };\n};\n\nconst validateCardFields = async (states: CardStates) => {\n  const errors: PaymentKitErrors = {};\n  const { cardInputConnections } = states;\n\n  const validatePromises = Object.entries(cardInputConnections).map(async ([_type, connection]) => {\n    const type = _type as PenpalCardInputType;\n\n    if (!connection) {\n      errors[type] = \"penpal_not_connected\";\n      return;\n    }\n\n    const remote = await connection.promise;\n    const errorMsg = await remote.onValidate();\n\n    if (errorMsg) {\n      errors[type] = errorMsg;\n    }\n  });\n\n  await Promise.allSettled(validatePromises);\n\n  return {\n    errors,\n    isSuccess: Object.keys(errors).length === 0,\n  };\n};\n\nconst CardPaymentMethod = definePaymentMethod((paymentKitStates) => {\n  // Object.create() creates prototype delegation: reads fall through to the shared\n  // paymentKitStates (preserving auto-detected VGS config), writes stay local.\n  // This prevents card-specific properties (cardInputConnections, vgsForm, etc.)\n  // from leaking onto the shared paymentKitStates object.\n  const localStates = Object.create(paymentKitStates) as CardStates;\n  localStates.cardInputConnections = {};\n\n  return {\n    name: \"card\",\n    externalFuncs: {\n      createElement: defCreateElement(localStates),\n    },\n    internalFuncs: {\n      submitPayment: defSubmitPayment(localStates),\n      cleanup: () => {\n        // Clean up VGS form if present\n        if (localStates.vgsForm) {\n          localStates.vgsFieldsCleanup?.();\n          localStates.vgsFieldsCleanup = undefined;\n          localStates.vgsForm.unmount();\n          localStates.vgsForm = undefined;\n        }\n        // Clean up all card input iframe connections\n        for (const connection of Object.values(localStates.cardInputConnections)) {\n          connection?.destroy();\n        }\n        localStates.cardInputConnections = {};\n      },\n    },\n  };\n});\n\nexport default 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+{"version":3,"file":"card.mjs","names":["taxIds: string[] | undefined","cleanupVgs: (() => void) | undefined","cleanupDirect: (() => void) | undefined","cdnTimeoutId: ReturnType<typeof setTimeout>","params: Record<string, string>","submitPayment: TInternalFuncs[\"submitPayment\"]","VGS_FIELD_MAP: Record<string, keyof PaymentKitErrors>","accessToken: string","cardResult: VGSCreateCardResponse","createCardTimeoutId: ReturnType<typeof setTimeout>","errors: PaymentKitErrors"],"sources":["../../src/payment-methods/card.ts"],"sourcesContent":["import {\n  connectToCardIframe,\n  type IFrameConnection,\n  type CardInputType as PenpalCardInputType,\n  type CheckoutResponse as PenpalCheckoutResponse,\n} from \"../penpal/connect-card\";\n\n// Re-export types for public API\nexport type CardInputType = PenpalCardInputType;\nexport type CheckoutResponse = PenpalCheckoutResponse;\n\nimport { AnalyticsService } from \"../analytics\";\nimport { TunnelXManager } from \"../penpal/connect-tunnel-x\";\nimport type { PaymentKitErrors, PaymentKitFields, PaymentKitStates, TInternalFuncs } from \"../types\";\nimport {\n  $,\n  collectFraudMetadata,\n  createCheckoutIFrame,\n  definePaymentMethod,\n  validateFormFields,\n  withRequestId,\n} from \"../utils\";\nimport { handleNextAction } from \"./next-action-handlers\";\nimport { createVgsCardFields, initVgsCollect, loadVgsCollectScript } from \"./vgs-collect-loader\";\n\n/**\n * Splits a full name into first name and last name.\n * First word becomes firstName, rest becomes lastName.\n */\nconst splitName = (fullName: string): { firstName: string; lastName?: string } => {\n  const trimmed = fullName.trim();\n  const spaceIndex = trimmed.indexOf(\" \");\n  if (spaceIndex === -1) {\n    return { firstName: trimmed };\n  }\n  return {\n    firstName: trimmed.substring(0, spaceIndex),\n    lastName: trimmed.substring(spaceIndex + 1).trim() || undefined,\n  };\n};\n\n/**\n * Maps PaymentKitFields to the customerInfo structure expected by the API.\n */\nconst mapFieldsToCustomerInfo = (fields: PaymentKitFields) => {\n  const { firstName, lastName } = splitName(fields.customer_name);\n\n  const hasBillingAddress =\n    fields.customer_country ||\n    fields.customer_zip_code ||\n    fields.customer_address_line1 ||\n    fields.customer_address_line2 ||\n    fields.customer_city ||\n    fields.customer_state;\n\n  const hasShippingAddress =\n    fields.shipping_address_line1 ||\n    fields.shipping_address_line2 ||\n    fields.shipping_city ||\n    fields.shipping_state ||\n    fields.shipping_zip_code ||\n    fields.shipping_country;\n\n  let taxIds: string[] | undefined;\n  if (fields.customer_tax_ids) {\n    try {\n      taxIds = JSON.parse(fields.customer_tax_ids);\n    } catch {\n      taxIds = undefined;\n    }\n  }\n\n  return {\n    email: fields.customer_email || undefined,\n    firstName,\n    lastName,\n    businessName: fields.customer_business_name || undefined,\n    taxIds: taxIds?.length ? taxIds : undefined,\n    billingAddress: hasBillingAddress\n      ? {\n          country: fields.customer_country || undefined,\n          zipCode: fields.customer_zip_code || undefined,\n          line1: fields.customer_address_line1 || undefined,\n          line2: fields.customer_address_line2 || undefined,\n          city: fields.customer_city || undefined,\n          state: fields.customer_state || undefined,\n        }\n      : undefined,\n    shippingAddress: hasShippingAddress\n      ? {\n          line1: fields.shipping_address_line1 || undefined,\n          line2: fields.shipping_address_line2 || undefined,\n          city: fields.shipping_city || undefined,\n          state: fields.shipping_state || undefined,\n          zipCode: fields.shipping_zip_code || undefined,\n          country: fields.shipping_country || undefined,\n        }\n      : undefined,\n  };\n};\n\ntype CardStates = PaymentKitStates & {\n  cardSetupIntentId?: string;\n  cardInputConnections: Partial<Record<PenpalCardInputType, IFrameConnection>>;\n  vgsForm?: VGSCollectForm;\n  vgsFieldsCleanup?: () => void;\n  vgsFocusCallbacks?: Partial<Record<PenpalCardInputType, (isFocused: boolean) => void>>;\n  vgsMountSelectors?: Partial<Record<PenpalCardInputType, string>>;\n  vgsPlaceholders?: Partial<Record<PenpalCardInputType, string>>;\n};\n\ntype CreateElementOptions = Partial<Parameters<typeof connectToCardIframe>[1]> & {\n  style?: Record<string, string>;\n  placeholder?: string;\n};\n\nconst defCreateElement = (states: CardStates) => {\n  const { baseUrl, apiBaseUrl, cardInputConnections, secureToken, timingTracker } = states;\n\n  return (type: PenpalCardInputType, options: CreateElementOptions) => {\n    const { style, onLoaded, onFocusChange, placeholder } = options;\n\n    const mountIFrame = (parentSelector: string) => {\n      // Mutable cleanup callbacks — set once mode is determined and mount completes\n      let cleanupVgs: (() => void) | undefined;\n      let cleanupDirect: (() => void) | undefined;\n      // Cancellation flag: prevents deferred doMount from executing after unmount.\n      // Needed because React strict mode may call unmount before the deferred\n      // _sessionConfigReady promise resolves.\n      let cancelled = false;\n\n      /**\n       * Performs the actual DOM mount after the tokenization mode is known.\n       * Runs synchronously when mode is explicitly provided, or after the\n       * auto-detect fetch resolves.\n       */\n      // Store mount selector so VGS init (triggered by card_pan) can read\n      // the exp/cvc selectors that were registered by their own createElement calls.\n      if (!states.vgsMountSelectors) states.vgsMountSelectors = {};\n      states.vgsMountSelectors[type] = parentSelector;\n\n      const doMount = () => {\n        if (cancelled) return;\n        const isVgsMode = states.cardTokenizationMode === \"vgs\";\n        console.log(\n          `[PaymentKit] card.doMount(${type}) — mode: ${states.cardTokenizationMode}, vgsVaultId: ${states.vgsVaultId ?? \"unset\"}, vgsEnvironment: ${states.vgsEnvironment ?? \"unset\"}`,\n        );\n\n        // VGS mode: initialize VGS Collect form and mount fields on card_pan\n        if (isVgsMode && states.vgsVaultId && states.vgsEnvironment) {\n          // Store per-field focus callbacks and placeholders so createVgsCardFields\n          // can wire each field to its own callback/placeholder. All three createElement\n          // calls complete before the CDN script loads, so all values are available by then.\n          if (onFocusChange) {\n            if (!states.vgsFocusCallbacks) states.vgsFocusCallbacks = {};\n            states.vgsFocusCallbacks[type] = onFocusChange;\n          }\n          if (placeholder) {\n            if (!states.vgsPlaceholders) states.vgsPlaceholders = {};\n            states.vgsPlaceholders[type] = placeholder;\n          }\n\n          if (type === \"card_pan\") {\n            const vaultId = states.vgsVaultId;\n            const vgsEnv = states.vgsEnvironment;\n\n            console.log(`[PaymentKit] VGS mode active — loading VGS Collect CDN for vault ${vaultId} (${vgsEnv})...`);\n            const VGS_CDN_TIMEOUT_MS = 15_000;\n            let cdnTimeoutId: ReturnType<typeof setTimeout>;\n            Promise.race([\n              loadVgsCollectScript(),\n              new Promise<never>((_, reject) => {\n                cdnTimeoutId = setTimeout(() => {\n                  console.warn(`[PaymentKit] VGS Collect CDN load timed out after ${VGS_CDN_TIMEOUT_MS / 1000}s`);\n                  reject(new Error(\"VGS Collect CDN load timed out\"));\n                }, VGS_CDN_TIMEOUT_MS);\n              }),\n            ])\n              .finally(() => clearTimeout(cdnTimeoutId))\n              .then(() => {\n                if (cancelled) return;\n                console.log(\"[PaymentKit] VGS Collect CDN loaded — initializing form...\");\n                const form = initVgsCollect(vaultId, vgsEnv);\n                if (cancelled) {\n                  form.unmount();\n                  return;\n                }\n                states.vgsForm = form;\n\n                const css = style\n                  ? Object.fromEntries(\n                      Object.entries(style).map(([k, v]) => [k.replace(/([A-Z])/g, \"-$1\").toLowerCase(), v]),\n                    )\n                  : undefined;\n\n                // Read exp/cvc selectors from shared state.\n                // Each createElement(\"card_exp/card_cvc\").mount(selector) stores its\n                // selector before this async callback runs, so they're available here.\n                const expSelector = states.vgsMountSelectors?.card_exp;\n                const cvcSelector = states.vgsMountSelectors?.card_cvc;\n                if (!expSelector || !cvcSelector) {\n                  const msg =\n                    `[PaymentKit] VGS mode requires all three card fields to be mounted. ` +\n                    `Missing: ${!expSelector ? \"card_exp\" : \"\"}${!expSelector && !cvcSelector ? \", \" : \"\"}${!cvcSelector ? \"card_cvc\" : \"\"}`;\n                  console.error(msg);\n                  onLoaded?.();\n                  return;\n                }\n                console.log(\n                  `[PaymentKit] Creating VGS card fields — pan: ${parentSelector}, exp: ${expSelector}, cvc: ${cvcSelector}`,\n                );\n                states.vgsFieldsCleanup = createVgsCardFields(\n                  form,\n                  {\n                    pan: parentSelector,\n                    exp: expSelector,\n                    cvc: cvcSelector,\n                  },\n                  css,\n                  states.vgsFocusCallbacks,\n                  states.vgsPlaceholders,\n                );\n\n                console.log(\"[PaymentKit] VGS card fields created successfully\");\n                timingTracker.trackInputReady();\n                onLoaded?.();\n              })\n              .catch((err) => {\n                console.error(\"[PaymentKit] Failed to load VGS Collect script. Card input will not be available:\", err);\n                // Signal loaded so the form exits loading state rather than hanging forever.\n                // Card fields won't render, but submit will fail with a clear error.\n                onLoaded?.();\n              });\n          }\n\n          // For non-pan fields in VGS mode, signal loaded immediately since\n          // VGS handles all three fields from the card_pan mount.\n          if (type !== \"card_pan\") {\n            onLoaded?.();\n          }\n\n          cleanupVgs = () => {\n            if (type === \"card_pan\" && states.vgsForm) {\n              try {\n                states.vgsFieldsCleanup?.();\n              } catch {\n                // VGS may try to remove iframes from containers already removed by React\n              }\n              states.vgsFieldsCleanup = undefined;\n              try {\n                states.vgsForm.unmount();\n              } catch {\n                // VGS unmount may fail if DOM nodes are already detached\n              }\n              states.vgsForm = undefined;\n            }\n          };\n          return;\n        }\n\n        // If we got here and mode was \"vgs\", it means VGS config was incomplete\n        if (isVgsMode) {\n          console.warn(\n            `[PaymentKit] VGS mode requested but config incomplete (vgsVaultId: ${states.vgsVaultId ?? \"unset\"}, vgsEnvironment: ${states.vgsEnvironment ?? \"unset\"}) — using direct mode`,\n          );\n        }\n\n        // Direct mode: existing penpal iframe logic\n        const parent = $(parentSelector) as HTMLElement;\n\n        // Read container padding so the embed input matches the merchant's\n        // visual intent. The iframe uses absolute positioning to fill the\n        // full container, so the input needs its own padding for alignment.\n        const computed = getComputedStyle(parent);\n        const containerPadding = computed.padding !== \"0px\" ? computed.padding : undefined;\n        const enhancedStyle = {\n          ...(style ?? {}),\n          height: \"100%\",\n          boxSizing: \"border-box\",\n          ...(containerPadding ? { padding: containerPadding } : {}),\n        };\n\n        const params: Record<string, string> = {\n          checkout_token: secureToken,\n          api_base_url: apiBaseUrl,\n          style: JSON.stringify(enhancedStyle),\n        };\n\n        const iframe = createCheckoutIFrame(type.replace(\"_\", \"-\"), baseUrl, params);\n\n        // Use absolute positioning so the iframe covers the full container\n        // including any padding the merchant's CSS applies.\n        if (computed.position === \"static\") {\n          parent.style.position = \"relative\";\n        }\n        iframe.style.position = \"absolute\";\n        iframe.style.inset = \"0\";\n\n        // Set cleanup before DOM mutation to avoid leaking the iframe if\n        // unmount() is called between appendChild and onload.\n        cleanupDirect = () => {\n          const connection = cardInputConnections[type];\n          connection?.destroy();\n          try {\n            parent.removeChild(iframe);\n          } catch {\n            // Parent may already be detached from DOM by React\n          }\n          states.cardInputConnections[type] = undefined;\n        };\n\n        parent.appendChild(iframe);\n\n        iframe.onload = () => {\n          if (type === \"card_pan\") {\n            timingTracker.trackInputReady();\n          }\n\n          const connection = connectToCardIframe(iframe, {\n            onLoaded: onLoaded || (() => {}),\n            onFocusChange: onFocusChange || (() => {}),\n          });\n\n          states.cardInputConnections[type] = connection;\n        };\n      };\n\n      // If session config needs auto-detection, wait for it; otherwise mount synchronously\n      if (states._sessionConfigReady) {\n        states._sessionConfigReady.then(doMount);\n      } else {\n        doMount();\n      }\n\n      return {\n        unmount: () => {\n          cancelled = true;\n          cleanupVgs?.();\n          cleanupDirect?.();\n        },\n      };\n    };\n\n    return { mount: mountIFrame };\n  };\n};\n\nconst defSubmitPayment = (states: CardStates) => {\n  const submitPayment: TInternalFuncs[\"submitPayment\"] = async (fields, options) => {\n    // Ensure session config is loaded (no-op if explicitly provided)\n    if (states._sessionConfigReady) await states._sessionConfigReady;\n    const isVgsMode = states.cardTokenizationMode === \"vgs\";\n\n    const { timingTracker, checkoutRequestId } = states;\n\n    // Track submit event\n    timingTracker.trackSubmit();\n\n    // Use the checkout request ID from states (generated on page load)\n    const requestOptions = withRequestId(checkoutRequestId);\n\n    const tunnelX = await TunnelXManager.createFromPenpalConnection(states.tunnelXConnection);\n\n    // Step 1. Validate form values.\n    // Form field validation is shared across both modes.\n    // In VGS mode, card field validation is handled by VGS Collect (built-in validators).\n    // In direct mode, card field validation is handled by penpal iframes.\n    const skipCustomerValidation = options?.skipCustomerValidation === true;\n    const validateFormResult = skipCustomerValidation\n      ? { isSuccess: true as const, errors: {} as PaymentKitErrors }\n      : await validateFormFields(fields);\n    if (!isVgsMode) {\n      const validateCardResult = await validateCardFields(states);\n      if (!(validateCardResult.isSuccess && validateFormResult.isSuccess)) {\n        timingTracker.trackFail(null, \"validation_error\", \"Form validation failed\");\n        return { errors: { ...validateCardResult.errors, ...validateFormResult.errors } };\n      }\n    } else if (!validateFormResult.isSuccess) {\n      timingTracker.trackFail(null, \"validation_error\", \"Form validation failed\");\n      return { errors: validateFormResult.errors };\n    }\n\n    // Step 2. Create card setup intent if not present\n    if (!states.cardSetupIntentId) {\n      const res = await tunnelX.publicEndpoints.createCardSetupIntent({\n        checkoutToken: states.secureToken,\n      });\n      states.cardSetupIntentId = res.cardSetupIntentId;\n    }\n\n    // Step 3. Submit card values.\n    if (isVgsMode) {\n      // VGS mode: create card via CMP, then send aliases to backend\n      console.log(\"[PaymentKit] Submitting card via VGS CMP...\");\n      const vgsSubmitResult = await submitVgsCardFields(states, tunnelX);\n      if (!vgsSubmitResult.isSuccess) {\n        // Include field-level error details for PostHog visibility\n        const errorDetail = Object.entries(vgsSubmitResult.errors)\n          .map(([k, v]) => `${k}: ${v}`)\n          .join(\", \");\n        timingTracker.trackFail(null, \"card_submit_error\", errorDetail || \"VGS card submission failed\");\n        return { errors: vgsSubmitResult.errors };\n      }\n    } else {\n      // Direct mode: submit via penpal iframes\n      const submitCardResult = await submitCardFields(states);\n      if (!submitCardResult.isSuccess) {\n        timingTracker.trackFail(null, \"card_submit_error\", \"Card submission failed\");\n        return { errors: submitCardResult.errors };\n      }\n    }\n\n    // Step 4. Get card setup intent.\n    const cardSetupIntent = await tunnelX.publicEndpoints.getCardSetupIntent({\n      cardSetupIntentId: states.cardSetupIntentId,\n      checkoutToken: states.secureToken,\n    });\n    if (!cardSetupIntent.isCardAllSet) {\n      const errors = {} as PaymentKitErrors;\n      if (!cardSetupIntent.isCardPanSet) errors.card_pan = \"required\";\n      if (!cardSetupIntent.isCardExpSet) errors.card_exp = \"required\";\n      if (!cardSetupIntent.isCardCvcSet) errors.card_cvc = \"required\";\n      timingTracker.trackFail(null, \"card_setup_incomplete\", \"Card details incomplete\");\n      return { errors };\n    }\n\n    console.log(\"Card setup intent is set ✅\", cardSetupIntent);\n    console.log(\"Fields\", fields);\n\n    // Step 5. Submit card checkout with customer info and fraud metadata\n    let currentResult = await tunnelX.publicEndpoints.cardCheckout(\n      {\n        checkoutToken: states.secureToken,\n        publicCardCheckoutRequest: {\n          cardSetupIntentId: states.cardSetupIntentId,\n          customerInfo: mapFieldsToCustomerInfo(fields),\n          fraudMetadata: collectFraudMetadata(),\n        },\n      },\n      requestOptions,\n    );\n\n    console.log(\"Card checkout result:\", currentResult);\n\n    // Step 6. Handle next actions in a loop (supports multiple 3DS challenges)\n    // This loop handles the case where one processor fails and we try another\n    // that also requires 3DS authentication.\n    const MAX_USER_ACTIONS = 5; // Safety limit to prevent infinite loops\n    let userActionCount = 0;\n\n    while (currentResult.nextAction && userActionCount < MAX_USER_ACTIONS) {\n      userActionCount++;\n      console.log(`Handling user action ${userActionCount}/${MAX_USER_ACTIONS}...`);\n\n      const actionResult = await handleNextAction(currentResult.nextAction);\n\n      // Always call verify endpoint so backend can properly conclude the checkout.\n      // This is needed even on 3DS failure so the backend can transition from\n      // user_actions_requested to card_payment_concluded with proper failure state.\n      console.log(\"User action completed, verifying checkout...\");\n      const verifyResult = await tunnelX.publicEndpoints.cardCheckoutVerify(\n        {\n          checkoutToken: states.secureToken,\n        },\n        requestOptions,\n      );\n\n      // Check if another action is required (e.g., cascade to next processor with 3DS)\n      // This must be checked BEFORE returning error, as cascade may offer a new 3DS challenge\n      if (verifyResult.nextAction) {\n        if (!actionResult.success) {\n          console.log(\"3DS failed but cascade triggered new action, continuing loop...\");\n        } else {\n          console.log(\"Another user action required, continuing loop...\");\n        }\n        currentResult = verifyResult;\n        continue;\n      }\n\n      if (!actionResult.success) {\n        // 3DS failed and no cascade/retry available - return error\n        // Include verifyResult as checkout_response so error_code is available to frontend\n        console.log(\"3DS authentication failed, checkout concluded:\", verifyResult);\n        timingTracker.trackFail(\n          verifyResult.checkoutAttemptId || null,\n          verifyResult.errorCode || \"3ds_failed\",\n          verifyResult.errorMessageForCustomer || actionResult.error,\n        );\n        return {\n          errors: {\n            root: verifyResult.errorMessageForCustomer || actionResult.error,\n            checkout_response: verifyResult,\n          },\n        };\n      }\n\n      console.log(\"Card checkout verified ✅\", verifyResult);\n\n      // No more actions needed, return the result\n      timingTracker.trackSuccess(verifyResult.checkoutAttemptId || \"unknown\");\n      return { data: verifyResult as { [key: string]: unknown } };\n    }\n\n    if (userActionCount >= MAX_USER_ACTIONS) {\n      console.error(\"Max user actions exceeded\");\n      timingTracker.trackFail(null, \"max_actions_exceeded\", \"Too many authentication attempts\");\n      return { errors: { root: \"Too many authentication attempts. Please try again.\" } };\n    }\n\n    // Check if checkout succeeded or failed\n    // States: checkout_succeeded (success), payment_failed (failure)\n    if (currentResult.state === \"payment_failed\" || currentResult.state === \"checkout_failed\") {\n      console.log(\"Card checkout failed:\", currentResult);\n      timingTracker.trackFail(\n        currentResult.checkoutAttemptId || null,\n        currentResult.errorCode || \"payment_failed\",\n        currentResult.errorMessageForCustomer || \"Payment failed\",\n      );\n      // Return the full response as errors so frontend can display error details\n      // including error_code, error_message_for_customer, error_message_for_debug\n      return {\n        errors: {\n          root: currentResult.errorMessageForCustomer || \"Payment failed\",\n          checkout_response: currentResult,\n        },\n      };\n    }\n\n    console.log(\"Card checkout completed ✅\", currentResult);\n    timingTracker.trackSuccess(currentResult.checkoutAttemptId || \"unknown\");\n    return { data: currentResult as { [key: string]: unknown } };\n  };\n  return submitPayment;\n};\n\n/**\n * Fetches a VGS CMP access token from the backend.\n * Uses AbortController with 10s timeout to prevent indefinite hangs on slow networks.\n */\nconst FETCH_COLLECT_TOKEN_TIMEOUT_MS = 10_000;\n\nconst fetchCollectToken = async (apiBaseUrl: string, secureToken: string): Promise<string> => {\n  const controller = new AbortController();\n  const timeoutId = setTimeout(() => controller.abort(), FETCH_COLLECT_TOKEN_TIMEOUT_MS);\n\n  try {\n    const resp = await fetch(`${apiBaseUrl}/api/card-setup-intents/${secureToken}/collect-token`, {\n      method: \"POST\",\n      headers: { \"Content-Type\": \"application/json\" },\n      signal: controller.signal,\n    });\n    if (!resp.ok) {\n      throw new Error(`Failed to get collect token: ${resp.status}`);\n    }\n    const data = await resp.json();\n    return data.access_token;\n  } finally {\n    clearTimeout(timeoutId);\n  }\n};\n\n/**\n * Creates a card via VGS CMP and sends aliases to our backend.\n *\n * Flow:\n * 1. Fetch CMP access token from our backend\n * 2. Call form.createCard() → VGS creates card, returns aliases\n * 3. Send aliases + fraud metadata to our backend via updateCardSetupIntent\n */\n/**\n * Map VGS field-level error keys to PaymentKitErrors field keys.\n *\n * VGS CMP errorCallback uses short field names (\"pan\", \"cvc\", \"exp-date\")\n * matching the CMP field type, NOT the longer CSS-style names. Both forms\n * are mapped here for robustness.\n */\nconst VGS_FIELD_MAP: Record<string, keyof PaymentKitErrors> = {\n  // Actual VGS CMP error keys (verified empirically)\n  pan: \"card_pan\",\n  cvc: \"card_cvc\",\n  \"exp-date\": \"card_exp\",\n  // Alternative key formats (VGS documentation references)\n  \"card-number\": \"card_pan\",\n  \"card-security-code\": \"card_cvc\",\n  \"card-expiration-date\": \"card_exp\",\n};\n\n/**\n * Safely stringify an error for console logging.\n * VGS errors are plain objects that print as [object Object] without this.\n */\nconst stringifyError = (err: unknown): string => {\n  if (err instanceof Error) return err.message;\n  try {\n    return JSON.stringify(err);\n  } catch {\n    return String(err);\n  }\n};\n\nconst submitVgsCardFields = async (\n  states: CardStates,\n  tunnelX: Awaited<ReturnType<typeof TunnelXManager.createFromPenpalConnection>>,\n): Promise<{ errors: PaymentKitErrors; isSuccess: boolean }> => {\n  const { vgsForm, cardSetupIntentId, secureToken, apiBaseUrl, checkoutRequestId } = states;\n  const logPrefix = `[PaymentKit] [${checkoutRequestId}]`;\n  const errors = {} as PaymentKitErrors;\n\n  if (!vgsForm) {\n    errors.card_pan = \"required\";\n    return { errors, isSuccess: false };\n  }\n\n  if (!cardSetupIntentId) {\n    errors.root = \"Card setup intent not created\";\n    return { errors, isSuccess: false };\n  }\n\n  // Step 1: Get CMP access token from our backend\n  let accessToken: string;\n  const collectTokenStart = performance.now();\n  try {\n    accessToken = await fetchCollectToken(apiBaseUrl, secureToken);\n    const collectTokenDuration = Math.round(performance.now() - collectTokenStart);\n    AnalyticsService.capture(\"vgs_collect_token_timing\", {\n      checkout_session_id: secureToken,\n      request_id: checkoutRequestId,\n      duration_ms: collectTokenDuration,\n      success: true,\n    });\n  } catch (err) {\n    const collectTokenDuration = Math.round(performance.now() - collectTokenStart);\n    const isAbortError = err instanceof DOMException && err.name === \"AbortError\";\n    AnalyticsService.capture(\"vgs_collect_token_timing\", {\n      checkout_session_id: secureToken,\n      request_id: checkoutRequestId,\n      duration_ms: collectTokenDuration,\n      success: false,\n      error_type: isAbortError ? \"FETCH_TIMEOUT\" : \"FETCH_ERROR\",\n    });\n    console.error(`${logPrefix} VGS auth token fetch failed:`, stringifyError(err));\n    errors.root = isAbortError\n      ? \"Card authentication timed out — please try again\"\n      : \"Card authentication failed — please try again\";\n    return { errors, isSuccess: false };\n  }\n\n  // Step 2: Create card via VGS CMP — returns aliases for PAN/CVC, plain text expiry\n  let cardResult: VGSCreateCardResponse;\n  const VGS_CREATE_CARD_TIMEOUT_MS = 120_000;\n  const createCardStart = performance.now();\n  try {\n    let createCardTimeoutId: ReturnType<typeof setTimeout>;\n    cardResult = await Promise.race([\n      new Promise<VGSCreateCardResponse>((resolve, reject) => {\n        vgsForm.createCard(\n          {\n            auth: accessToken,\n            data: { cardholder: {} },\n          },\n          (_status, cardObject) => resolve(cardObject),\n          (error) => reject(error),\n        );\n      }),\n      new Promise<never>((_, reject) => {\n        createCardTimeoutId = setTimeout(() => reject(new Error(\"VGS_TIMEOUT\")), VGS_CREATE_CARD_TIMEOUT_MS);\n      }),\n    ]).finally(() => clearTimeout(createCardTimeoutId));\n\n    // Emit timing event on success\n    const createCardDuration = Math.round(performance.now() - createCardStart);\n    AnalyticsService.capture(\"vgs_create_card_timing\", {\n      checkout_session_id: secureToken,\n      request_id: checkoutRequestId,\n      duration_ms: createCardDuration,\n      success: true,\n    });\n  } catch (err) {\n    const createCardDuration = Math.round(performance.now() - createCardStart);\n    const errStr = stringifyError(err);\n    console.error(`${logPrefix} VGS createCard failed:`, errStr);\n\n    // Distinguish timeout from VGS field validation errors\n    if (err instanceof Error && err.message === \"VGS_TIMEOUT\") {\n      AnalyticsService.capture(\"vgs_create_card_timing\", {\n        checkout_session_id: secureToken,\n        request_id: checkoutRequestId,\n        duration_ms: createCardDuration,\n        success: false,\n        error_type: \"VGS_TIMEOUT\",\n      });\n      errors.root = \"Card processing timed out — please try again\";\n      return { errors, isSuccess: false };\n    }\n\n    // VGS errorCallback returns field-level errors as a plain object,\n    // e.g. { \"card-number\": { errorMessages: [\"Card number is not valid\"] } }\n    // Map them to per-field errors so inline validation shows on the right field.\n    if (err && typeof err === \"object\" && !(err instanceof Error)) {\n      const vgsErrors = err as Record<string, unknown>;\n      for (const [vgsKey, fieldKey] of Object.entries(VGS_FIELD_MAP)) {\n        if (vgsKey in vgsErrors) {\n          const fieldErr = vgsErrors[vgsKey] as Record<string, unknown> | undefined;\n          const messages = fieldErr?.errorMessages;\n          errors[fieldKey] = Array.isArray(messages) ? messages[0] : \"invalid\";\n        }\n      }\n      if (Object.keys(errors).length > 0) {\n        AnalyticsService.capture(\"vgs_create_card_timing\", {\n          checkout_session_id: secureToken,\n          request_id: checkoutRequestId,\n          duration_ms: createCardDuration,\n          success: false,\n          error_type: \"VGS_VALIDATION_ERROR\",\n        });\n        return { errors, isSuccess: false };\n      }\n    }\n\n    // Generic VGS error\n    AnalyticsService.capture(\"vgs_create_card_timing\", {\n      checkout_session_id: secureToken,\n      request_id: checkoutRequestId,\n      duration_ms: createCardDuration,\n      success: false,\n      error_type: \"VGS_ERROR\",\n    });\n    errors.root = \"Card validation failed — please check your card details and try again\";\n    return { errors, isSuccess: false };\n  }\n\n  // Step 3: Extract aliases and expiry from CMP response\n  if (!cardResult?.data?.attributes) {\n    console.error(`${logPrefix} VGS createCard returned invalid response:`, stringifyError(cardResult));\n    errors.root = \"Card processing returned an invalid response — please try again\";\n    return { errors, isSuccess: false };\n  }\n  const { pan_alias, cvc_alias, exp_month, exp_year } = cardResult.data.attributes;\n\n  if (!cvc_alias) {\n    console.warn(\n      `${logPrefix} VGS createCard response missing cvc_alias (303 dedup):`,\n      JSON.stringify(cardResult.data.attributes),\n    );\n  }\n\n  const fullYear = exp_year < 100 ? 2000 + exp_year : exp_year;\n  const formattedExp = `${String(exp_month).padStart(2, \"0\")}/${fullYear}`;\n\n  // Capture CMP card ID for network token tracking\n  const cmpCardId = cardResult.data.id;\n\n  // Step 4: Send aliases + fraud metadata to our backend.\n  // CVC is sent as a VGS alias from createCard. Additionally, the CVC is\n  // submitted via the vault inbound proxy (REDACT route) as a fallback for\n  // the 303 deduplication path where VGS returns an existing card without\n  // a fresh cvc_alias.\n  try {\n    const updateIntentCall = tunnelX.publicEndpoints.updateCardSetupIntent({\n      checkoutToken: secureToken,\n      cardSetupIntentId: cardSetupIntentId,\n      updateCardSetupIntentReq: {\n        cardPan: pan_alias,\n        cardExp: formattedExp,\n        ...(cvc_alias ? { cardCvc: cvc_alias } : {}),\n        cmpCardId: cmpCardId,\n        fraudMetadata: collectFraudMetadata(),\n      },\n    });\n\n    const proxyCvcCall = new Promise<void>((resolve, reject) => {\n      if (!vgsForm.submit) {\n        reject(new Error(\"VGS form.submit not available\"));\n        return;\n      }\n      vgsForm.submit(\n        `/api/card-setup-intents/${secureToken}/${cardSetupIntentId}`,\n        {\n          method: \"post\",\n          headers: { \"Content-Type\": \"application/json\" },\n          data: (fields: Record<string, unknown>) => ({ card_cvc: fields.cvc }),\n        },\n        (_status: number) => resolve(),\n        (err: unknown) => reject(err),\n      );\n    });\n\n    await Promise.all([updateIntentCall, proxyCvcCall]);\n  } catch (err) {\n    console.error(`${logPrefix} updateCardSetupIntent failed:`, stringifyError(err));\n    errors.root = \"Failed to save card details — please try again\";\n    return { errors, isSuccess: false };\n  }\n\n  return { errors: {}, isSuccess: true };\n};\n\nconst submitCardFields = async (states: CardStates) => {\n  const errors = {} as PaymentKitErrors;\n  const { cardSetupIntentId, cardInputConnections } = states;\n\n  const submitPromises = Object.entries(cardInputConnections).map(async ([_type, connection]) => {\n    const type = _type as PenpalCardInputType;\n\n    const remote = await connection.promise;\n    const result = await remote.onSubmit(cardSetupIntentId || \"\");\n\n    if (\"error\" in result) {\n      errors[type] = result.error;\n    }\n  });\n\n  await Promise.allSettled(submitPromises);\n\n  return {\n    errors,\n    isSuccess: Object.keys(errors).length === 0,\n  };\n};\n\nconst validateCardFields = async (states: CardStates) => {\n  const errors: PaymentKitErrors = {};\n  const { cardInputConnections } = states;\n\n  const validatePromises = Object.entries(cardInputConnections).map(async ([_type, connection]) => {\n    const type = _type as PenpalCardInputType;\n\n    if (!connection) {\n      errors[type] = \"penpal_not_connected\";\n      return;\n    }\n\n    const remote = await connection.promise;\n    const errorMsg = await remote.onValidate();\n\n    if (errorMsg) {\n      errors[type] = errorMsg;\n    }\n  });\n\n  await Promise.allSettled(validatePromises);\n\n  return {\n    errors,\n    isSuccess: Object.keys(errors).length === 0,\n  };\n};\n\nconst CardPaymentMethod = definePaymentMethod((paymentKitStates) => {\n  // Object.create() creates prototype delegation: reads fall through to the shared\n  // paymentKitStates (preserving auto-detected VGS config), writes stay local.\n  // This prevents card-specific properties (cardInputConnections, vgsForm, etc.)\n  // from leaking onto the shared paymentKitStates object.\n  const localStates = Object.create(paymentKitStates) as CardStates;\n  localStates.cardInputConnections = {};\n\n  return {\n    name: \"card\",\n    externalFuncs: {\n      createElement: defCreateElement(localStates),\n    },\n    internalFuncs: {\n      submitPayment: defSubmitPayment(localStates),\n      cleanup: () => {\n        // Clean up VGS form if present\n        if (localStates.vgsForm) {\n          localStates.vgsFieldsCleanup?.();\n          localStates.vgsFieldsCleanup = undefined;\n          localStates.vgsForm.unmount();\n          localStates.vgsForm = undefined;\n        }\n        // Clean up all card input iframe connections\n        for (const connection of Object.values(localStates.cardInputConnections)) {\n          connection?.destroy();\n        }\n        localStates.cardInputConnections = {};\n      },\n    },\n  };\n});\n\nexport default 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