@payment-kit-js/vanilla 0.5.19 → 0.5.20

package/dist/index.mjs

@@ -4,7 +4,7 @@ import { n as connectToTunnelXIframe } from "./connect-tunnel-x-5XOct5Tm.mjs";
 import { o as getOrCreateCheckoutRequestId, r as createCheckoutIFrame } from "./utils-DIqrx4XF.mjs";
 
 //#region package.json
-var version = "0.5.19";
+var version = "0.5.20";
 
 //#endregion
 //#region src/types.ts

package/dist/index.mjs.map

@@ -1 +1 @@
-{"version":3,"file":"index.mjs","names":["STATIC_ENVIRONMENT_URLS: Record<Exclude<PaymentKitEnvironment, \"tunnel\">, EnvironmentUrls>","PaymentKit: PaymentKitType","PACKAGE_VERSION","loadPromises: Promise<void>[]","externalFuncsMapByPm: ExternalFuncsMapByPm<PaymentMethods>","submit: PaymentKitReturnType[\"submit\"]"],"sources":["../package.json","../src/types.ts","../src/index.ts"],"sourcesContent":["{\n  \"name\": \"@payment-kit-js/vanilla\",\n  \"version\": \"0.5.19\",\n  \"main\": \"./dist/index.mjs\",\n  \"types\": \"./dist/index.d.mts\",\n  \"module\": \"./dist/index.mjs\",\n  \"exports\": {\n    \".\": \"./dist/index.mjs\",\n    \"./payment-methods/affirm\": \"./dist/payment-methods/affirm.mjs\",\n    \"./payment-methods/afterpay\": \"./dist/payment-methods/afterpay.mjs\",\n    \"./payment-methods/airwallex-apple-pay-adapter\": \"./dist/payment-methods/airwallex-apple-pay-adapter.mjs\",\n    \"./payment-methods/airwallex-google-pay-adapter\": \"./dist/payment-methods/airwallex-google-pay-adapter.mjs\",\n    \"./payment-methods/apple-pay\": \"./dist/payment-methods/apple-pay.mjs\",\n    \"./payment-methods/bnpl-shared\": \"./dist/payment-methods/bnpl-shared.mjs\",\n    \"./payment-methods/card\": \"./dist/payment-methods/card.mjs\",\n    \"./payment-methods/google-pay\": \"./dist/payment-methods/google-pay.mjs\",\n    \"./payment-methods/klarna\": \"./dist/payment-methods/klarna.mjs\",\n    \"./payment-methods/next-action-handlers\": \"./dist/payment-methods/next-action-handlers.mjs\",\n    \"./payment-methods/paypal\": \"./dist/payment-methods/paypal.mjs\",\n    \"./payment-methods/stripe-apple-pay-adapter\": \"./dist/payment-methods/stripe-apple-pay-adapter.mjs\",\n    \"./payment-methods/stripe-google-pay-adapter\": \"./dist/payment-methods/stripe-google-pay-adapter.mjs\",\n    \"./payment-methods/vgs-collect-loader\": \"./dist/payment-methods/vgs-collect-loader.mjs\",\n    \"./penpal/connect-card\": \"./dist/penpal/connect-card.mjs\",\n    \"./penpal/connect-tunnel-x\": \"./dist/penpal/connect-tunnel-x.mjs\",\n    \"./package.json\": \"./package.json\"\n  },\n  \"license\": \"MIT\",\n  \"description\": \"Vanilla package for PaymentKit\",\n  \"files\": [\n    \"dist\",\n    \"dist/cdn\"\n  ],\n  \"scripts\": {\n    \"dev\": \"yarn tsdown --watch ./src\",\n    \"build:npm\": \"yarn tsdown\",\n    \"build:cdn\": \"node build-cdn.mjs\",\n    \"build\": \"yarn build:npm && yarn build:cdn\"\n  },\n  \"packageManager\": \"yarn@4.10.3\",\n  \"dependencies\": {\n    \"nanoid\": \"^5.0.7\",\n    \"penpal\": \"^7.0.4\",\n    \"posthog-js\": \"^1.196.0\",\n    \"valibot\": \"^1.1.0\"\n  },\n  \"devDependencies\": {\n    \"@pkg/sdk\": \"workspace:*\",\n    \"@pkg/tsconfig\": \"workspace:*\",\n    \"@stripe/stripe-js\": \"^8.6.1\",\n    \"@types/applepayjs\": \"^14.0.9\",\n    \"esbuild\": \"^0.24.2\",\n    \"tsdown\": \"^0.15.10\",\n    \"typescript\": \"^5.9.3\"\n  },\n  \"stableVersion\": \"0.5.19\"\n}\n","import type { CheckoutTimingTracker } from \"./analytics\";\nimport type { CardErrorCode } from \"./penpal/connect-card\";\nimport type { TunnelXIFrameConnection } from \"./penpal/connect-tunnel-x\";\n\nexport type PaymentKitEnvironment = \"local\" | \"tunnel\" | \"sandbox\" | \"staging\" | \"production\";\n\ntype EnvironmentUrls = {\n  baseUrl: string;\n  apiBaseUrl: string;\n};\n\n// TODO: Cleanup this after launch to only use SDK instead of plain fetch.\nconst STATIC_ENVIRONMENT_URLS: Record<Exclude<PaymentKitEnvironment, \"tunnel\">, EnvironmentUrls> = {\n  local: {\n    baseUrl: \"http://localhost:9101\",\n    apiBaseUrl: \"http://localhost:9000\",\n  },\n  sandbox: {\n    baseUrl: \"https://app.paymentkit.com/customer\",\n    apiBaseUrl: \"https://app.paymentkit.com\",\n  },\n  staging: {\n    baseUrl: \"https://staging.paymentkit.com/customer\",\n    apiBaseUrl: \"https://staging.paymentkit.com\",\n  },\n  production: {\n    baseUrl: \"https://app.paymentkit.com/customer\",\n    apiBaseUrl: \"https://app.paymentkit.com\",\n  },\n};\n\nfunction getTunnelUrls(): EnvironmentUrls {\n  if (typeof window !== \"undefined\") {\n    const params = new URLSearchParams(window.location.search);\n    const apiBaseUrl = params.get(\"api_base_url\");\n    if (apiBaseUrl) {\n      return {\n        baseUrl: window.location.origin,\n        apiBaseUrl,\n      };\n    }\n    // For loclx-style tunnels where API hostname is derived from the current hostname\n    const hostname = window.location.hostname;\n    if (hostname.includes(\"loclx.io\")) {\n      const apiHostname = hostname.replace(/cportal|playground/, \"api\");\n      return {\n        baseUrl: `https://${hostname}`,\n        apiBaseUrl: `https://${apiHostname}`,\n      };\n    }\n  }\n  // Fallback\n  return STATIC_ENVIRONMENT_URLS.local;\n}\n\nexport function getUrlsForEnvironment(environment: PaymentKitEnvironment): EnvironmentUrls {\n  if (environment === \"tunnel\") {\n    return getTunnelUrls();\n  }\n  const urls = STATIC_ENVIRONMENT_URLS[environment];\n  if (!urls) {\n    console.warn(`[PaymentKit] Invalid environment \"${environment}\", falling back to local`);\n    return STATIC_ENVIRONMENT_URLS.local;\n  }\n  return urls;\n}\n\ntype FormFieldNames =\n  | \"customer_name\"\n  | \"customer_email\"\n  | \"customer_country\"\n  | \"customer_zip_code\"\n  | \"customer_business_name\"\n  | \"customer_address_line1\"\n  | \"customer_address_line2\"\n  | \"customer_city\"\n  | \"customer_state\"\n  | \"customer_tax_ids\"\n  | \"shipping_address_line1\"\n  | \"shipping_address_line2\"\n  | \"shipping_city\"\n  | \"shipping_state\"\n  | \"shipping_zip_code\"\n  | \"shipping_country\";\n\nexport type FormErrorCodes = \"required\" | \"invalid\";\n\nexport type CardSubmitOptions = {\n  skipCustomerValidation?: boolean;\n};\n\nexport type TInternalFuncs = {\n  submitPayment: (\n    fields: Partial<PaymentKitFields>,\n    options?: unknown,\n  ) => Promise<{ data: { [key: string]: unknown }; errors?: never } | { data?: never; errors: PaymentKitErrors }>;\n  cleanup?: () => void;\n};\n\nexport type PaymentKit = <T extends readonly PaymentMethod<unknown>[]>(options: {\n  environment?: PaymentKitEnvironment;\n  secureToken: string;\n  paymentMethods: T;\n  /** Card tokenization mode from checkout session */\n  cardTokenizationMode?: \"direct\" | \"vgs\";\n  /** VGS vault ID from checkout session */\n  vgsVaultId?: string;\n  /** VGS environment from checkout session */\n  vgsEnvironment?: string;\n  /** @internal Enable analytics test mode for e2e testing */\n  __enableAnalyticsTestMode?: boolean;\n}) => ExternalFuncsMapByPm<T> & {\n  submit: PaymentKitSubmitHandler<T>;\n  cleanup: () => void;\n};\n\ntype PaymentKitSubmitHandler<T extends readonly PaymentMethod<unknown>[]> = <\n  N extends keyof ExternalFuncsMapByPm<T>,\n>(options: {\n  fields: Partial<PaymentKitFields>;\n  paymentMethod: N;\n  options?: unknown;\n  onError: (error: PaymentKitErrors) => void;\n  onSuccess: (data: { [key: string]: unknown }) => void;\n}) => void;\n\nexport type PaymentKitStates = {\n  baseUrl: string;\n  apiBaseUrl: string;\n  secureToken: string;\n  environment: PaymentKitEnvironment;\n  tunnelXConnection: TunnelXIFrameConnection;\n  timingTracker: CheckoutTimingTracker;\n  /** Checkout request ID for correlating all API calls and analytics events */\n  checkoutRequestId: string;\n  /** Card tokenization mode: 'direct' (KMS) or 'vgs' (VGS Collect + proxy) */\n  cardTokenizationMode?: \"direct\" | \"vgs\";\n  /** VGS vault ID (only when cardTokenizationMode is 'vgs') */\n  vgsVaultId?: string;\n  /** VGS environment: 'sandbox' or 'live' (only when cardTokenizationMode is 'vgs') */\n  vgsEnvironment?: string;\n  /** @internal Promise that resolves when session config (incl. VGS mode) is auto-detected */\n  _sessionConfigReady?: Promise<void>;\n};\n\nexport type PaymentKitErrors = {\n  root?: string;\n  card_pan?: CardErrorCode;\n  card_exp?: CardErrorCode;\n  card_cvc?: CardErrorCode;\n  paypal?: string;\n  google_pay?: string;\n  apple_pay?: string;\n  processor_id?: string;\n  amount?: string;\n  currency?: string;\n  country?: string;\n} & { [key in FormFieldNames]?: FormErrorCodes | string };\n\nexport type PaymentKitFields = { [key in FormFieldNames]: string };\n\nexport type PaymentMethod<TExternalFuncs = unknown, TName = string> = (paymentKitStates: PaymentKitStates) => {\n  name: TName;\n  externalFuncs: TExternalFuncs;\n  internalFuncs: TInternalFuncs;\n};\n\nexport type ExternalFuncsMapByPm<T extends readonly PaymentMethod<unknown>[]> = {\n  [K in T[number] as ReturnType<K>[\"name\"]]: ReturnType<K>[\"externalFuncs\"];\n};\n","import { version as PACKAGE_VERSION } from \"../package.json\";\nimport { AnalyticsService, CheckoutTimingTracker } from \"./analytics\";\nimport { connectToTunnelXIframe } from \"./penpal/connect-tunnel-x\";\nimport type { ExternalFuncsMapByPm, PaymentKit as PaymentKitType } from \"./types\";\nimport { getUrlsForEnvironment } from \"./types\";\nimport { createCheckoutIFrame } from \"./utils\";\nimport { getOrCreateCheckoutRequestId } from \"./utils/checkout-request-id\";\n\n/** Append script to DOM, falling back to head if body not ready */\nfunction appendScriptToDOM(script: HTMLScriptElement): void {\n  const target = document.body ?? document.head;\n  target.appendChild(script);\n}\n\n/**\n * Map fraud script URL to the script ID that the processor's script expects.\n * Airwallex's fingerprint script looks for `id=\"airwallex-fraud-api\"` via getElementById.\n * Other processors may have different ID requirements.\n */\nfunction getFraudScriptId(url: string): string {\n  // Airwallex expects exactly \"airwallex-fraud-api\" as the script ID\n  if (url.includes(\"airwallex.com\")) {\n    return \"airwallex-fraud-api\";\n  }\n  // Fallback for other processors: use a hash-based ID\n  const urlObj = new URL(url);\n  const hash = btoa(urlObj.origin + urlObj.pathname)\n    .replace(/[^a-zA-Z0-9]/g, \"\")\n    .slice(0, 12);\n  return `pk-fraud-script-${hash}`;\n}\n\ntype PaymentKitReturnType = ReturnType<PaymentKitType>;\n\nconst createTunnelXConnection = (baseUrl: string, apiBaseUrl: string, token: string) => {\n  const iframe = createCheckoutIFrame(\"tunnel-x\", baseUrl, {\n    checkout_token: token,\n    api_base_url: apiBaseUrl,\n  });\n  // Tunnel-X is a hidden communication iframe, not a visible UI element\n  Object.assign(iframe.style, { width: \"0\", height: \"0\", position: \"absolute\", visibility: \"hidden\" });\n  document.body.appendChild(iframe);\n\n  const connection = connectToTunnelXIframe(iframe, {});\n\n  let destroyed = false;\n  const unmount = () => {\n    if (destroyed) return;\n    destroyed = true;\n    connection.destroy();\n    iframe.remove();\n  };\n\n  return { unmount, connection };\n};\n\nconst PaymentKit: PaymentKitType = ({\n  environment = \"production\",\n  secureToken,\n  paymentMethods,\n  cardTokenizationMode,\n  vgsVaultId,\n  vgsEnvironment,\n  __enableAnalyticsTestMode,\n}) => {\n  type PaymentMethods = typeof paymentMethods;\n\n  // Resolve URLs from environment\n  const { baseUrl, apiBaseUrl } = getUrlsForEnvironment(environment);\n\n  // Log version for debugging\n  console.log(`[PaymentKit] v${PACKAGE_VERSION} initialized (env: ${environment})`);\n\n  // Generate checkout request ID for correlating all API calls and analytics events\n  // This is idempotent - same ID is reused across multiple PaymentKit instantiations\n  const checkoutRequestId = getOrCreateCheckoutRequestId(environment);\n  console.log(`[PaymentKit] checkout_request_id: ${checkoutRequestId}`);\n\n  // Initialize analytics and identify with secure token for correlation\n  AnalyticsService.init(apiBaseUrl, __enableAnalyticsTestMode);\n  AnalyticsService.identify(secureToken);\n\n  // Create timing tracker for this checkout session\n  const timingTracker = new CheckoutTimingTracker(secureToken, checkoutRequestId);\n\n  // Track page ready immediately\n  timingTracker.trackPageReady();\n\n  const { connection: tunnelXConnection, unmount: unmountTunnelX } = createTunnelXConnection(\n    baseUrl,\n    apiBaseUrl,\n    secureToken,\n  );\n\n  const paymentKitStates = {\n    baseUrl,\n    apiBaseUrl,\n    secureToken,\n    environment,\n    tunnelXConnection,\n    timingTracker,\n    checkoutRequestId,\n    cardTokenizationMode,\n    vgsVaultId,\n    vgsEnvironment,\n    _sessionConfigReady: undefined as Promise<void> | undefined,\n    _fraudScriptIds: [] as string[],\n    _fraudScriptsReady: undefined as Promise<void> | undefined,\n  };\n\n  // Auto-detect VGS mode from session API if not explicitly provided.\n  // The promise resolves before any card mount or submit needs the mode.\n  if (cardTokenizationMode === undefined) {\n    const sessionConfigUrl = `${apiBaseUrl}/api/checkout-sessions/token/${secureToken}`;\n    console.log(\n      `[PaymentKit] cardTokenizationMode not provided — auto-detecting from session API: ${sessionConfigUrl}`,\n    );\n    paymentKitStates._sessionConfigReady = fetch(sessionConfigUrl)\n      .then((resp) => {\n        if (!resp.ok) {\n          console.warn(`[PaymentKit] Session config fetch failed with status ${resp.status}`);\n          return null;\n        }\n        return resp.json();\n      })\n      .then((session) => {\n        if (session && typeof session === \"object\" && typeof session.card_tokenization_mode === \"string\") {\n          paymentKitStates.cardTokenizationMode = session.card_tokenization_mode || \"direct\";\n          console.log(\n            `[PaymentKit] Session config detected — cardTokenizationMode: ${paymentKitStates.cardTokenizationMode}`,\n          );\n\n          // Validate VGS config from API before trusting it\n          const vaultId = session.vgs_vault_id;\n          const vgsEnv = session.vgs_environment;\n          if (vaultId && /^tnt[a-z0-9]+$/.test(vaultId) && (vgsEnv === \"sandbox\" || vgsEnv === \"live\")) {\n            paymentKitStates.vgsVaultId = vaultId;\n            paymentKitStates.vgsEnvironment = vgsEnv;\n            console.log(`[PaymentKit] VGS config valid — vaultId: ${vaultId}, environment: ${vgsEnv}`);\n          } else if (paymentKitStates.cardTokenizationMode === \"vgs\") {\n            console.warn(\n              `[PaymentKit] Invalid VGS config from session API (vaultId: ${vaultId}, env: ${vgsEnv}), falling back to direct mode`,\n            );\n            paymentKitStates.cardTokenizationMode = \"direct\";\n          }\n\n          // Inject fraud fingerprinting scripts (for processors that support device fingerprinting)\n          if (session?.fraud_script_urls?.length) {\n            const loadPromises: Promise<void>[] = [];\n\n            session.fraud_script_urls.forEach((url: string) => {\n              const scriptId = getFraudScriptId(url);\n\n              if (document.getElementById(scriptId)) {\n                console.log(`[PaymentKit] Fraud script already present: ${scriptId}`);\n                loadPromises.push(Promise.resolve());\n                return;\n              }\n\n              const script = document.createElement(\"script\");\n              script.type = \"text/javascript\";\n              script.async = true;\n              script.id = scriptId;\n              script.src = url;\n              script.dataset.orderSessionId = checkoutRequestId;\n\n              const loadPromise = new Promise<void>((resolve) => {\n                script.onload = () => {\n                  console.log(`[PaymentKit] Fraud script loaded: ${scriptId}`);\n                  resolve();\n                };\n                script.onerror = () => {\n                  console.error(\n                    `[PaymentKit] Failed to load fraud prevention script. If using Content-Security-Policy, add to script-src: ${new URL(url).origin}`,\n                  );\n                  resolve(); // Resolve anyway — don't block payment on optional fraud script\n                };\n              });\n\n              loadPromises.push(loadPromise);\n              paymentKitStates._fraudScriptIds.push(scriptId);\n              appendScriptToDOM(script);\n            });\n\n            paymentKitStates._fraudScriptsReady = Promise.all(loadPromises).then(() => {\n              console.log(`[PaymentKit] All ${loadPromises.length} fraud fingerprinting script(s) ready`);\n            });\n\n            // Log each injected script with its data-order-session-id for debugging\n            session.fraud_script_urls.forEach((url: string) => {\n              const scriptId = getFraudScriptId(url);\n              console.log(\n                `[PaymentKit] Fraud script injected: id=${scriptId}, data-order-session-id=${checkoutRequestId}, src=${url}`,\n              );\n            });\n            console.log(`[PaymentKit] Injected ${session.fraud_script_urls.length} fraud fingerprinting script(s)`);\n          }\n        } else {\n          console.log(\"[PaymentKit] Session response missing card_tokenization_mode — defaulting to direct mode\");\n          paymentKitStates.cardTokenizationMode = \"direct\";\n        }\n      })\n      .catch((err) => {\n        console.error(\"[PaymentKit] Session config fetch error — falling back to direct mode:\", err);\n        paymentKitStates.cardTokenizationMode = \"direct\";\n      });\n  } else {\n    console.log(`[PaymentKit] cardTokenizationMode explicitly set: ${cardTokenizationMode}`);\n  }\n\n  const pmInstances = paymentMethods.map((paymentMethod) => paymentMethod(paymentKitStates));\n\n  const externalFuncsMapByPm: ExternalFuncsMapByPm<PaymentMethods> = pmInstances.reduce(\n    (acc, { name, externalFuncs }) => {\n      // @ts-expect-error - typecase this better in future\n      acc[name] = externalFuncs;\n      return acc;\n    },\n    {} as ExternalFuncsMapByPm<PaymentMethods>,\n  );\n\n  const submit: PaymentKitReturnType[\"submit\"] = ({\n    paymentMethod: paymentMethodName,\n    fields,\n    options,\n    onSuccess,\n    onError,\n  }) => {\n    const paymentMethod = pmInstances.find(({ name }) => name === paymentMethodName);\n    if (!paymentMethod) {\n      onError({ root: \"payment_method_not_found\" });\n      return;\n    }\n    paymentMethod.internalFuncs\n      .submitPayment(fields, options)\n      .then(({ data, errors }) => {\n        errors ? onError(errors) : onSuccess(data);\n      })\n      .catch((e) => {\n        console.error(\"PaymentKit:submit:catch\", e);\n\n        // Try to extract error message from response\n        if (e?.response?.data) {\n          onError(e.response.data);\n        } else if (e?.message) {\n          onError({ root: e.message });\n        } else {\n          onError({ root: \"unknown_error\" });\n        }\n      });\n  };\n\n  const cleanup = () => {\n    // Clean up fraud fingerprinting scripts\n    for (const scriptId of paymentKitStates._fraudScriptIds) {\n      const script = document.getElementById(scriptId);\n      if (script) {\n        script.remove();\n      }\n    }\n    paymentKitStates._fraudScriptIds = [];\n\n    // Clean up all payment method instances\n    for (const pm of pmInstances) {\n      if (pm.internalFuncs.cleanup) {\n        pm.internalFuncs.cleanup();\n      }\n    }\n    unmountTunnelX();\n  };\n\n  return {\n    submit,\n    cleanup,\n    ...externalFuncsMapByPm,\n  };\n};\n\nexport type { PaymentKitEnvironment, PaymentKitFields } from \"./types\";\n\nexport default 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\"./dist/payment-methods/airwallex-google-pay-adapter.mjs\",\n    \"./payment-methods/apple-pay\": \"./dist/payment-methods/apple-pay.mjs\",\n    \"./payment-methods/bnpl-shared\": \"./dist/payment-methods/bnpl-shared.mjs\",\n    \"./payment-methods/card\": \"./dist/payment-methods/card.mjs\",\n    \"./payment-methods/google-pay\": \"./dist/payment-methods/google-pay.mjs\",\n    \"./payment-methods/klarna\": \"./dist/payment-methods/klarna.mjs\",\n    \"./payment-methods/next-action-handlers\": \"./dist/payment-methods/next-action-handlers.mjs\",\n    \"./payment-methods/paypal\": \"./dist/payment-methods/paypal.mjs\",\n    \"./payment-methods/stripe-apple-pay-adapter\": \"./dist/payment-methods/stripe-apple-pay-adapter.mjs\",\n    \"./payment-methods/stripe-google-pay-adapter\": \"./dist/payment-methods/stripe-google-pay-adapter.mjs\",\n    \"./payment-methods/vgs-collect-loader\": \"./dist/payment-methods/vgs-collect-loader.mjs\",\n    \"./penpal/connect-card\": \"./dist/penpal/connect-card.mjs\",\n    \"./penpal/connect-tunnel-x\": \"./dist/penpal/connect-tunnel-x.mjs\",\n    \"./package.json\": \"./package.json\"\n  },\n  \"license\": \"MIT\",\n  \"description\": \"Vanilla package for PaymentKit\",\n  \"files\": [\n    \"dist\",\n    \"dist/cdn\"\n  ],\n  \"scripts\": {\n    \"dev\": \"yarn tsdown --watch ./src\",\n    \"build:npm\": \"yarn tsdown\",\n    \"build:cdn\": \"node build-cdn.mjs\",\n    \"build\": \"yarn build:npm && yarn build:cdn\"\n  },\n  \"packageManager\": \"yarn@4.10.3\",\n  \"dependencies\": {\n    \"nanoid\": \"^5.0.7\",\n    \"penpal\": \"^7.0.4\",\n    \"posthog-js\": \"^1.196.0\",\n    \"valibot\": \"^1.1.0\"\n  },\n  \"devDependencies\": {\n    \"@pkg/sdk\": \"workspace:*\",\n    \"@pkg/tsconfig\": \"workspace:*\",\n    \"@stripe/stripe-js\": \"^8.6.1\",\n    \"@types/applepayjs\": \"^14.0.9\",\n    \"esbuild\": \"^0.24.2\",\n    \"tsdown\": \"^0.15.10\",\n    \"typescript\": \"^5.9.3\"\n  },\n  \"stableVersion\": 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PaymentKitErrors) => void;\n  onSuccess: (data: { [key: string]: unknown }) => void;\n}) => void;\n\nexport type PaymentKitStates = {\n  baseUrl: string;\n  apiBaseUrl: string;\n  secureToken: string;\n  environment: PaymentKitEnvironment;\n  tunnelXConnection: TunnelXIFrameConnection;\n  timingTracker: CheckoutTimingTracker;\n  /** Checkout request ID for correlating all API calls and analytics events */\n  checkoutRequestId: string;\n  /** Card tokenization mode: 'direct' (KMS) or 'vgs' (VGS Collect + proxy) */\n  cardTokenizationMode?: \"direct\" | \"vgs\";\n  /** VGS vault ID (only when cardTokenizationMode is 'vgs') */\n  vgsVaultId?: string;\n  /** VGS environment: 'sandbox' or 'live' (only when cardTokenizationMode is 'vgs') */\n  vgsEnvironment?: string;\n  /** @internal Promise that resolves when session config (incl. VGS mode) is auto-detected */\n  _sessionConfigReady?: Promise<void>;\n};\n\nexport type PaymentKitErrors = {\n  root?: string;\n  card_pan?: CardErrorCode;\n  card_exp?: CardErrorCode;\n  card_cvc?: CardErrorCode;\n  paypal?: string;\n  google_pay?: string;\n  apple_pay?: string;\n  processor_id?: string;\n  amount?: string;\n  currency?: string;\n  country?: string;\n} & { [key in FormFieldNames]?: FormErrorCodes | string };\n\nexport type PaymentKitFields = { [key in FormFieldNames]: string };\n\nexport type PaymentMethod<TExternalFuncs = unknown, TName = string> = (paymentKitStates: PaymentKitStates) => {\n  name: TName;\n  externalFuncs: TExternalFuncs;\n  internalFuncs: TInternalFuncs;\n};\n\nexport type ExternalFuncsMapByPm<T extends readonly PaymentMethod<unknown>[]> = {\n  [K in T[number] as ReturnType<K>[\"name\"]]: ReturnType<K>[\"externalFuncs\"];\n};\n","import { version as PACKAGE_VERSION } from \"../package.json\";\nimport { AnalyticsService, CheckoutTimingTracker } from \"./analytics\";\nimport { connectToTunnelXIframe } from \"./penpal/connect-tunnel-x\";\nimport type { ExternalFuncsMapByPm, PaymentKit as PaymentKitType } from \"./types\";\nimport { getUrlsForEnvironment } from \"./types\";\nimport { createCheckoutIFrame } from \"./utils\";\nimport { getOrCreateCheckoutRequestId } from \"./utils/checkout-request-id\";\n\n/** Append script to DOM, falling back to head if body not ready */\nfunction appendScriptToDOM(script: HTMLScriptElement): void {\n  const target = document.body ?? document.head;\n  target.appendChild(script);\n}\n\n/**\n * Map fraud script URL to the script ID that the processor's script expects.\n * Airwallex's fingerprint script looks for `id=\"airwallex-fraud-api\"` via getElementById.\n * Other processors may have different ID requirements.\n */\nfunction getFraudScriptId(url: string): string {\n  // Airwallex expects exactly \"airwallex-fraud-api\" as the script ID\n  if (url.includes(\"airwallex.com\")) {\n    return \"airwallex-fraud-api\";\n  }\n  // Fallback for other processors: use a hash-based ID\n  const urlObj = new URL(url);\n  const hash = btoa(urlObj.origin + urlObj.pathname)\n    .replace(/[^a-zA-Z0-9]/g, \"\")\n    .slice(0, 12);\n  return `pk-fraud-script-${hash}`;\n}\n\ntype PaymentKitReturnType = ReturnType<PaymentKitType>;\n\nconst createTunnelXConnection = (baseUrl: string, apiBaseUrl: string, token: string) => {\n  const iframe = createCheckoutIFrame(\"tunnel-x\", baseUrl, {\n    checkout_token: token,\n    api_base_url: apiBaseUrl,\n  });\n  // Tunnel-X is a hidden communication iframe, not a visible UI element\n  Object.assign(iframe.style, { width: \"0\", height: \"0\", position: \"absolute\", visibility: \"hidden\" });\n  document.body.appendChild(iframe);\n\n  const connection = connectToTunnelXIframe(iframe, {});\n\n  let destroyed = false;\n  const unmount = () => {\n    if (destroyed) return;\n    destroyed = true;\n    connection.destroy();\n    iframe.remove();\n  };\n\n  return { unmount, connection };\n};\n\nconst PaymentKit: PaymentKitType = ({\n  environment = \"production\",\n  secureToken,\n  paymentMethods,\n  cardTokenizationMode,\n  vgsVaultId,\n  vgsEnvironment,\n  __enableAnalyticsTestMode,\n}) => {\n  type PaymentMethods = typeof paymentMethods;\n\n  // Resolve URLs from environment\n  const { baseUrl, apiBaseUrl } = getUrlsForEnvironment(environment);\n\n  // Log version for debugging\n  console.log(`[PaymentKit] v${PACKAGE_VERSION} initialized (env: ${environment})`);\n\n  // Generate checkout request ID for correlating all API calls and analytics events\n  // This is idempotent - same ID is reused across multiple PaymentKit instantiations\n  const checkoutRequestId = getOrCreateCheckoutRequestId(environment);\n  console.log(`[PaymentKit] checkout_request_id: ${checkoutRequestId}`);\n\n  // Initialize analytics and identify with secure token for correlation\n  AnalyticsService.init(apiBaseUrl, __enableAnalyticsTestMode);\n  AnalyticsService.identify(secureToken);\n\n  // Create timing tracker for this checkout session\n  const timingTracker = new CheckoutTimingTracker(secureToken, checkoutRequestId);\n\n  // Track page ready immediately\n  timingTracker.trackPageReady();\n\n  const { connection: tunnelXConnection, unmount: unmountTunnelX } = createTunnelXConnection(\n    baseUrl,\n    apiBaseUrl,\n    secureToken,\n  );\n\n  const paymentKitStates = {\n    baseUrl,\n    apiBaseUrl,\n    secureToken,\n    environment,\n    tunnelXConnection,\n    timingTracker,\n    checkoutRequestId,\n    cardTokenizationMode,\n    vgsVaultId,\n    vgsEnvironment,\n    _sessionConfigReady: undefined as Promise<void> | undefined,\n    _fraudScriptIds: [] as string[],\n    _fraudScriptsReady: undefined as Promise<void> | undefined,\n  };\n\n  // Auto-detect VGS mode from session API if not explicitly provided.\n  // The promise resolves before any card mount or submit needs the mode.\n  if (cardTokenizationMode === undefined) {\n    const sessionConfigUrl = `${apiBaseUrl}/api/checkout-sessions/token/${secureToken}`;\n    console.log(\n      `[PaymentKit] cardTokenizationMode not provided — auto-detecting from session API: ${sessionConfigUrl}`,\n    );\n    paymentKitStates._sessionConfigReady = fetch(sessionConfigUrl)\n      .then((resp) => {\n        if (!resp.ok) {\n          console.warn(`[PaymentKit] Session config fetch failed with status ${resp.status}`);\n          return null;\n        }\n        return resp.json();\n      })\n      .then((session) => {\n        if (session && typeof session === \"object\" && typeof session.card_tokenization_mode === \"string\") {\n          paymentKitStates.cardTokenizationMode = session.card_tokenization_mode || \"direct\";\n          console.log(\n            `[PaymentKit] Session config detected — cardTokenizationMode: ${paymentKitStates.cardTokenizationMode}`,\n          );\n\n          // Validate VGS config from API before trusting it\n          const vaultId = session.vgs_vault_id;\n          const vgsEnv = session.vgs_environment;\n          if (vaultId && /^tnt[a-z0-9]+$/.test(vaultId) && (vgsEnv === \"sandbox\" || vgsEnv === \"live\")) {\n            paymentKitStates.vgsVaultId = vaultId;\n            paymentKitStates.vgsEnvironment = vgsEnv;\n            console.log(`[PaymentKit] VGS config valid — vaultId: ${vaultId}, environment: ${vgsEnv}`);\n          } else if (paymentKitStates.cardTokenizationMode === \"vgs\") {\n            console.warn(\n              `[PaymentKit] Invalid VGS config from session API (vaultId: ${vaultId}, env: ${vgsEnv}), falling back to direct mode`,\n            );\n            paymentKitStates.cardTokenizationMode = \"direct\";\n          }\n\n          // Inject fraud fingerprinting scripts (for processors that support device fingerprinting)\n          if (session?.fraud_script_urls?.length) {\n            const loadPromises: Promise<void>[] = [];\n\n            session.fraud_script_urls.forEach((url: string) => {\n              const scriptId = getFraudScriptId(url);\n\n              if (document.getElementById(scriptId)) {\n                console.log(`[PaymentKit] Fraud script already present: ${scriptId}`);\n                loadPromises.push(Promise.resolve());\n                return;\n              }\n\n              const script = document.createElement(\"script\");\n              script.type = \"text/javascript\";\n              script.async = true;\n              script.id = scriptId;\n              script.src = url;\n              script.dataset.orderSessionId = checkoutRequestId;\n\n              const loadPromise = new Promise<void>((resolve) => {\n                script.onload = () => {\n                  console.log(`[PaymentKit] Fraud script loaded: ${scriptId}`);\n                  resolve();\n                };\n                script.onerror = () => {\n                  console.error(\n                    `[PaymentKit] Failed to load fraud prevention script. If using Content-Security-Policy, add to script-src: ${new URL(url).origin}`,\n                  );\n                  resolve(); // Resolve anyway — don't block payment on optional fraud script\n                };\n              });\n\n              loadPromises.push(loadPromise);\n              paymentKitStates._fraudScriptIds.push(scriptId);\n              appendScriptToDOM(script);\n            });\n\n            paymentKitStates._fraudScriptsReady = Promise.all(loadPromises).then(() => {\n              console.log(`[PaymentKit] All ${loadPromises.length} fraud fingerprinting script(s) ready`);\n            });\n\n            // Log each injected script with its data-order-session-id for debugging\n            session.fraud_script_urls.forEach((url: string) => {\n              const scriptId = getFraudScriptId(url);\n              console.log(\n                `[PaymentKit] Fraud script injected: id=${scriptId}, data-order-session-id=${checkoutRequestId}, src=${url}`,\n              );\n            });\n            console.log(`[PaymentKit] Injected ${session.fraud_script_urls.length} fraud fingerprinting script(s)`);\n          }\n        } else {\n          console.log(\"[PaymentKit] Session response missing card_tokenization_mode — defaulting to direct mode\");\n          paymentKitStates.cardTokenizationMode = \"direct\";\n        }\n      })\n      .catch((err) => {\n        console.error(\"[PaymentKit] Session config fetch error — falling back to direct mode:\", err);\n        paymentKitStates.cardTokenizationMode = \"direct\";\n      });\n  } else {\n    console.log(`[PaymentKit] cardTokenizationMode explicitly set: ${cardTokenizationMode}`);\n  }\n\n  const pmInstances = paymentMethods.map((paymentMethod) => paymentMethod(paymentKitStates));\n\n  const externalFuncsMapByPm: ExternalFuncsMapByPm<PaymentMethods> = pmInstances.reduce(\n    (acc, { name, externalFuncs }) => {\n      // @ts-expect-error - typecase this better in future\n      acc[name] = externalFuncs;\n      return acc;\n    },\n    {} as ExternalFuncsMapByPm<PaymentMethods>,\n  );\n\n  const submit: PaymentKitReturnType[\"submit\"] = ({\n    paymentMethod: paymentMethodName,\n    fields,\n    options,\n    onSuccess,\n    onError,\n  }) => {\n    const paymentMethod = pmInstances.find(({ name }) => name === paymentMethodName);\n    if (!paymentMethod) {\n      onError({ root: \"payment_method_not_found\" });\n      return;\n    }\n    paymentMethod.internalFuncs\n      .submitPayment(fields, options)\n      .then(({ data, errors }) => {\n        errors ? onError(errors) : onSuccess(data);\n      })\n      .catch((e) => {\n        console.error(\"PaymentKit:submit:catch\", e);\n\n        // Try to extract error message from response\n        if (e?.response?.data) {\n          onError(e.response.data);\n        } else if (e?.message) {\n          onError({ root: e.message });\n        } else {\n          onError({ root: \"unknown_error\" });\n        }\n      });\n  };\n\n  const cleanup = () => {\n    // Clean up fraud fingerprinting scripts\n    for (const scriptId of paymentKitStates._fraudScriptIds) {\n      const script = document.getElementById(scriptId);\n      if (script) {\n        script.remove();\n      }\n    }\n    paymentKitStates._fraudScriptIds = [];\n\n    // Clean up all payment method instances\n    for (const pm of pmInstances) {\n      if (pm.internalFuncs.cleanup) {\n        pm.internalFuncs.cleanup();\n      }\n    }\n    unmountTunnelX();\n  };\n\n  return {\n    submit,\n    cleanup,\n    ...externalFuncsMapByPm,\n  };\n};\n\nexport type { PaymentKitEnvironment, PaymentKitFields } from \"./types\";\n\nexport default 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package/dist/payment-methods/card.d.mts.map

@@ -1 +1 @@
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+{"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,cA22BhD,iBArwBmB,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,MAowBV,CAAA"}

package/dist/payment-methods/card.mjs

@@ -188,6 +188,19 @@ const defCreateElement = (states) => {
 		return { mount: mountIFrame };
 	};
 };
+/**
+* Terminal failure states for a card checkout. Mirrors the backend checkout-attempt state machine
+* (app/modules/checkout/checkout_attempt/checkout_attempt_state_machine.py — the only terminal
+* success state is `checkout_succeeded`). A checkout in one of these states must be surfaced to the
+* merchant as an error so `onError` — not `onSuccess` — fires.
+*
+* Note: 3DS authentication *passing* does NOT imply the charge succeeded — a pass-then-decline
+* concludes with `payment_failed` and no further `nextAction`. Other non-terminal states (e.g.
+* `payment_started` from an async "pending" charge that carries no `nextAction`) are intentionally
+* left to the success/data path here, preserving existing behavior for the non-3DS flow.
+*/
+const CHECKOUT_FAILURE_STATES = new Set(["payment_failed", "checkout_failed"]);
+const isCheckoutFailure = (result) => CHECKOUT_FAILURE_STATES.has(result.state);
 const defSubmitPayment = (states) => {
 	const submitPayment = async (fields, options) => {
 		if (states._sessionConfigReady) await states._sessionConfigReady;
@@ -278,6 +291,14 @@ const defSubmitPayment = (states) => {
 					checkout_response: verifyResult
 				} };
 			}
+			if (isCheckoutFailure(verifyResult)) {
+				console.log("Card checkout concluded in a failure state after 3DS:", verifyResult);
+				timingTracker.trackFail(verifyResult.checkoutAttemptId || null, verifyResult.errorCode || "payment_failed", verifyResult.errorMessageForCustomer || "Payment failed");
+				return { errors: {
+					root: verifyResult.errorMessageForCustomer || "Payment failed",
+					checkout_response: verifyResult
+				} };
+			}
 			console.log("Card checkout verified ✅", verifyResult);
 			timingTracker.trackSuccess(verifyResult.checkoutAttemptId || "unknown");
 			return { data: verifyResult };
@@ -287,7 +308,7 @@ const defSubmitPayment = (states) => {
 			timingTracker.trackFail(null, "max_actions_exceeded", "Too many authentication attempts");
 			return { errors: { root: "Too many authentication attempts. Please try again." } };
 		}
-		if (currentResult.state === "payment_failed" || currentResult.state === "checkout_failed") {
+		if (isCheckoutFailure(currentResult)) {
 			console.log("Card checkout failed:", currentResult);
 			timingTracker.trackFail(currentResult.checkoutAttemptId || null, currentResult.errorCode || "payment_failed", currentResult.errorMessageForCustomer || "Payment failed");
 			return { errors: {

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          iframe.remove();\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    // Include processor_fraud_info with airwallex_device_id for fraud fingerprinting\n    const fraudMetadata = {\n      ...collectFraudMetadata(),\n      processorFraudInfo: {\n        airwallexDeviceId: states.checkoutRequestId,\n      },\n    };\n    let currentResult = await tunnelX.publicEndpoints.cardCheckout(\n      {\n        checkoutToken: states.secureToken,\n        publicCardCheckoutRequest: {\n          cardSetupIntentId: states.cardSetupIntentId,\n          customerInfo: mapFieldsToCustomerInfo(fields),\n          fraudMetadata,\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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+{"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          iframe.remove();\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\n/**\n * Terminal failure states for a card checkout. Mirrors the backend checkout-attempt state machine\n * (app/modules/checkout/checkout_attempt/checkout_attempt_state_machine.py — the only terminal\n * success state is `checkout_succeeded`). A checkout in one of these states must be surfaced to the\n * merchant as an error so `onError` — not `onSuccess` — fires.\n *\n * Note: 3DS authentication *passing* does NOT imply the charge succeeded — a pass-then-decline\n * concludes with `payment_failed` and no further `nextAction`. Other non-terminal states (e.g.\n * `payment_started` from an async \"pending\" charge that carries no `nextAction`) are intentionally\n * left to the success/data path here, preserving existing behavior for the non-3DS flow.\n */\nconst CHECKOUT_FAILURE_STATES = new Set([\"payment_failed\", \"checkout_failed\"]);\n\nconst isCheckoutFailure = (result: CheckoutResponse): boolean => CHECKOUT_FAILURE_STATES.has(result.state);\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    // Include processor_fraud_info with airwallex_device_id for fraud fingerprinting\n    const fraudMetadata = {\n      ...collectFraudMetadata(),\n      processorFraudInfo: {\n        airwallexDeviceId: states.checkoutRequestId,\n      },\n    };\n    let currentResult = await tunnelX.publicEndpoints.cardCheckout(\n      {\n        checkoutToken: states.secureToken,\n        publicCardCheckoutRequest: {\n          cardSetupIntentId: states.cardSetupIntentId,\n          customerInfo: mapFieldsToCustomerInfo(fields),\n          fraudMetadata,\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      // 3DS auth passed AND no further action — but the charge may still have been declined.\n      // Gate the success return on the checkout state so a pass-then-decline\n      // (state=payment_failed) reports onError instead of a false onSuccess.\n      if (isCheckoutFailure(verifyResult)) {\n        console.log(\"Card checkout concluded in a failure state after 3DS:\", verifyResult);\n        timingTracker.trackFail(\n          verifyResult.checkoutAttemptId || null,\n          verifyResult.errorCode || \"payment_failed\",\n          verifyResult.errorMessageForCustomer || \"Payment failed\",\n        );\n        return {\n          errors: {\n            root: verifyResult.errorMessageForCustomer || \"Payment failed\",\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 (isCheckoutFailure(currentResult)) {\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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package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@payment-kit-js/vanilla",
-  "version": "0.5.19",
+  "version": "0.5.20",
   "main": "./dist/index.mjs",
   "types": "./dist/index.d.mts",
   "module": "./dist/index.mjs",
@@ -52,5 +52,5 @@
     "tsdown": "^0.15.10",
     "typescript": "^5.9.3"
   },
-  "stableVersion": "0.5.19"
+  "stableVersion": "0.5.20"
 }