@phala/pay 0.3.0 → 0.4.0

package/CHANGELOG.md

@@ -6,6 +6,37 @@ All notable changes to `@phala/pay` are recorded here. The format follows
 
 ## [Unreleased]
 
+## [0.4.0] - 2026-10-01
+
+### Added
+
+- `payWithWallet` reads the account's token balance before sending and, when it is below the
+  quote's amount, sends nothing and throws `WalletError` with the new code
+  `insufficient_balance`: the transfer would revert and still cost gas. `<Checkout>` shows the
+  error's message (what the wallet holds and what the quote needs). A wallet that cannot read the
+  balance still pays.
+- `<Checkout onWalletError>`: called with the `WalletError` and the wallet it tried (the chosen
+  browser wallet's provider, or `walletClient`) when the wallet tab could not send the payment, for
+  example to offer your own way to fund that wallet on `insufficient_balance`.
+- `ClientQuote.amount_credited`, what a credited payment credited in cents (it differs from
+  `amount` for a payment of another amount or a late one), and `ClientQuote.typical_credit_seconds`,
+  the typical credit time at the quote's confirmation.
+
+### Changed (breaking)
+
+- `parseClientQuote`, and so `<Checkout>` and `createCheckout`, require `amount_credited` (an
+  integer or `null`) and `typical_credit_seconds`, which the service sends from v0.3.4: upgrade
+  the service before the SDK.
+
+### Fixed
+
+- `<Checkout>` showed the quoted amount as credited ("Payment credited: $25.00" for a $25 quote
+  paid with $10). It now shows what was credited and, when that differs from the quote, says so
+  ("Payment credited: $10.00 of $25.00"); `onSuccess(quote)` carries it as `amount_credited`.
+- `<Checkout>` told a payer "crediting in about 30 seconds" on every chain. It now states the
+  quote's typical wait: about 5 minutes at Base's `safe` block, 15 minutes under a `finalized`
+  policy.
+
 ## [0.3.0] - 2026-10-01
 
 ### Changed (breaking)
@@ -152,7 +183,8 @@ All notable changes to `@phala/pay` are recorded here. The format follows
   without trailing zeros (`1,273.9185`); `tokenAmount(quote)` is the plain decimal a wallet
   accepts, which `<Checkout>`'s "Exact amount" copies.
 
-[Unreleased]: https://github.com/Phala-Network/phala-pay/compare/sdk-js-v0.3.0...HEAD
+[unreleased]: https://github.com/Phala-Network/phala-pay/compare/sdk-js-v0.4.0...HEAD
+[0.4.0]: https://github.com/Phala-Network/phala-pay/compare/sdk-js-v0.3.0...sdk-js-v0.4.0
 [0.3.0]: https://github.com/Phala-Network/phala-pay/compare/sdk-js-v0.2.0...sdk-js-v0.3.0
 [0.2.0]: https://github.com/Phala-Network/phala-pay/compare/sdk-js-v0.1.2...sdk-js-v0.2.0
 [0.1.2]: https://github.com/Phala-Network/phala-pay/compare/sdk-js-v0.1.1...sdk-js-v0.1.2

package/README.md

@@ -66,9 +66,9 @@ mode".
 |---|---|
 | `loading` | Loading payment details |
 | `waiting` | Payment options, the exact amount, and the time left |
-| `seen` | Payment in a block, with its confirmations (a reorg can still remove it) |
+| `seen` | Payment in a block, with its confirmations and the typical wait for the credit (a reorg can still remove it) |
 | `confirming` | Payment at the route's confirmation (two blocks on Ethereum), being valued and screened |
-| `credited` | Credited, typically about 30 seconds after paying; `onSuccess` is called once |
+| `credited` | What was credited, typically `typical_credit_seconds` after paying; `onSuccess(quote)` is called once |
 | `rejected` | Will not be credited; the payer contacts support |
 | `reversed` | Credited, then its transaction left the chain before finality: the payment did not happen |
 | `expired`, `canceled` | The address is hidden; `onExpire` is called once |
@@ -78,17 +78,27 @@ mode".
 Elements' `onChange`, for example to hide your own "new payment" control while a payment is
 `seen` or `confirming`.
 
+Before the wallet tab sends a payment, it reads the wallet's token balance; when the wallet holds
+less than the quote, it sends nothing (the transfer would revert and still cost gas) and says how
+much the wallet holds. `onWalletError(error, wallet)` is called with the `WalletError` and the
+wallet it tried (the chosen browser wallet's EIP-1193 provider, or your `walletClient`) whenever the
+wallet tab could not send (`code` `insufficient_balance`, `rejected`, `wrong_chain`, …), for example
+to offer your own way to fund that wallet.
+
 To resume after a reload, keep the client secret in the browser (for example `localStorage`, per
 signed-in account) until the status is `credited`, `expired`, `canceled`, or `error`. Tell a
-payer who is waiting that the payment is credited in about 30 seconds and the credit arrives on
-its own.
+payer who is waiting that the payment is credited in about the quote's `typical_credit_seconds`
+(30 seconds on Ethereum, about 5 minutes on Base, 15 minutes under a `finalized` policy) and the
+credit arrives on its own.
 
 A credit is made before Ethereum finality (about 15 minutes). In the rare case that a reorg drops
 the payment's transaction, your backend receives `deposit.reversed` and claws the credit back as
 for `deposit.refunded`; the checkout itself only reflects the quote.
 
 The payment options disappear once a payment is seen, and at `expires_at`. A payment of a different
-amount, or after expiry, is still credited, at the market price instead of the quote's.
+amount, or after expiry, is still credited, at the market price instead of the quote's: the
+checkout then says so ("Payment credited: $10.00 of $25.00"), and `onSuccess` receives the quote
+with what was credited as `amount_credited`, beside the quoted `amount`.
 
 ### Your own wallet connection
 
@@ -214,7 +224,9 @@ checkout.destroy();
 wagmi's `useWalletClient()` or `getWalletClient(config)`; its account is used without asking to
 connect again). It connects, switches the wallet to the quote's chain (adding Ethereum, Sepolia,
 Base, or Base Sepolia when the wallet lacks it), and sends the ERC-20 `transfer` stated by the
-quote's `payment_uri`, after checking that it pays exactly `amount_atomic` to `address`.
+quote's `payment_uri`, after checking that it pays exactly `amount_atomic` to `address`. A wallet
+holding less of the token than that sends nothing: `WalletError` with `code`
+`insufficient_balance`.
 
 ## Server helpers
 

package/dist/checkout.d.ts

@@ -5,8 +5,8 @@ import { type ClientQuote } from "./quote.js";
  * - `waiting` for a payment, until `expires_at`;
  * - `seen` once a transfer is in a block, `confirming` once it reaches the route's confirmation
  *   (two blocks on Ethereum) and is being valued;
- * - `credited` (about 30 seconds after paying), or `rejected` for a payment that will not be
- *   credited;
+ * - `credited` (typically the quote's `typical_credit_seconds` after paying), or `rejected` for a
+ *   payment that will not be credited;
  * - `reversed` when a credited payment's transaction left the chain before finality;
  * - `expired` or `canceled` without a payment;
  * - `error` when the client secret is not valid, or the quote's address is not the one your

package/dist/format.d.ts

@@ -4,10 +4,16 @@ import type { ClientQuote } from "./quote.js";
  * `1,273.9185`. Every digit is kept: the service rounds a quote to a few decimals.
  */
 export declare function formatTokenAmount(quote: ClientQuote, locale?: string): string;
+/** An atomic token amount, grouped for `locale` and without trailing zeros, as `formatTokenAmount`. */
+export declare function formatUnitsGrouped(atomic: bigint, decimals: number, locale?: string): string;
 /** The exact token amount as a plain decimal, for copying into a wallet, for example `1273.9185`. */
 export declare function tokenAmount(quote: ClientQuote): string;
 /** The credit in the quote's currency, for example `$25.00`. */
 export declare function formatAmount(quote: ClientQuote, locale?: string): string;
+/** `minor` units of the quote's currency, for example `$10.00` for 1000. */
+export declare function formatMinorAmount(quote: ClientQuote, minor: number, locale?: string): string;
+/** A typical wait, for example `about 30 seconds` or `about 15 minutes`. */
+export declare function formatWait(seconds: number): string;
 /** `mm:ss` (or `h:mm:ss`) until `expiresAt` Unix seconds, never negative. */
 export declare function formatCountdown(expiresAt: number, nowMs: number): string;
 //# sourceMappingURL=format.d.ts.map

package/dist/format.d.ts.map

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package/dist/format.js

@@ -4,7 +4,11 @@ import { formatUnits } from "viem";
  * `1,273.9185`. Every digit is kept: the service rounds a quote to a few decimals.
  */
 export function formatTokenAmount(quote, locale) {
-    const [whole = "0", fraction] = tokenAmount(quote).split(".");
+    return formatUnitsGrouped(BigInt(quote.amount_atomic), quote.decimals, locale);
+}
+/** An atomic token amount, grouped for `locale` and without trailing zeros, as `formatTokenAmount`. */
+export function formatUnitsGrouped(atomic, decimals, locale) {
+    const [whole = "0", fraction] = formatUnits(atomic, decimals).split(".");
     const format = new Intl.NumberFormat(locale);
     const grouped = format.format(BigInt(whole));
     if (fraction === undefined) {
@@ -19,10 +23,21 @@ export function tokenAmount(quote) {
 }
 /** The credit in the quote's currency, for example `$25.00`. */
 export function formatAmount(quote, locale) {
+    return formatMinorAmount(quote, quote.amount, locale);
+}
+/** `minor` units of the quote's currency, for example `$10.00` for 1000. */
+export function formatMinorAmount(quote, minor, locale) {
     return new Intl.NumberFormat(locale, {
         style: "currency",
         currency: quote.currency.toUpperCase(),
-    }).format(quote.amount / 100);
+    }).format(minor / 100);
+}
+/** A typical wait, for example `about 30 seconds` or `about 15 minutes`. */
+export function formatWait(seconds) {
+    if (seconds < 90) {
+        return `about ${seconds} second${seconds === 1 ? "" : "s"}`;
+    }
+    return `about ${Math.round(seconds / 60)} minutes`;
 }
 /** `mm:ss` (or `h:mm:ss`) until `expiresAt` Unix seconds, never negative. */
 export function formatCountdown(expiresAt, nowMs) {

package/dist/format.js.map

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package/dist/quote.d.ts

@@ -8,7 +8,7 @@ export interface ClientQuote {
     livemode: boolean;
     /** `open` until a matching payment completes it, it expires by chain time, or it is canceled. */
     status: "open" | "complete" | "expired" | "canceled";
-    /** Credit in the currency's minor unit (US cents). */
+    /** The quoted credit in the currency's minor unit (US cents). */
     amount: number;
     currency: string;
     /** The token's code, for example `pha`. */
@@ -25,13 +25,24 @@ export interface ClientQuote {
     expires_at: number;
     /**
      * `seen` once in a block (a reorg can remove it), `confirming` while a payment at the route's
-     * confirmation is valued and screened, `credited` once it is credited (about 30 seconds after
-     * paying), `rejected` when it will not be, `reversed` when a credited payment's transaction
-     * left the chain before finality (the payment did not happen).
+     * confirmation is valued and screened, `credited` once it is credited (typically
+     * `typical_credit_seconds` after paying), `rejected` when it will not be, `reversed` when a
+     * credited payment's transaction left the chain before finality (the payment did not happen).
      */
     payment_status: "none" | "seen" | "confirming" | "credited" | "rejected" | "reversed";
     /** Block confirmations while `payment_status` is `seen`, otherwise `null`. */
     confirmations: number | null;
+    /**
+     * While `payment_status` is `credited`: what was credited, in the currency's minor unit. It
+     * differs from `amount` for a payment valued at the market price (another amount, or paid late);
+     * otherwise `null`.
+     */
+    amount_credited: number | null;
+    /**
+     * Typical seconds from paying to the credit at the confirmation this quote's payments need:
+     * 30 on Ethereum (two blocks), about 300 at an OP-stack chain's `safe` block, 900 at finality.
+     */
+    typical_credit_seconds: number;
 }
 /** Returns the quote id a client secret belongs to (`qt_…_secret_…`), or throws. */
 export declare function quoteIdFromClientSecret(clientSecret: string): string;

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+{"version":3,"file":"quote.d.ts","sourceRoot":"","sources":["../src/quote.ts"],"names":[],"mappings":"AAAA;;GAEG;AACH,MAAM,WAAW,WAAW;IAC1B,EAAE,EAAE,MAAM,CAAC;IACX,MAAM,EAAE,OAAO,CAAC;IAChB,0EAA0E;IAC1E,QAAQ,EAAE,OAAO,CAAC;IAClB,iGAAiG;IACjG,MAAM,EAAE,MAAM,GAAG,UAAU,GAAG,SAAS,GAAG,UAAU,CAAC;IACrD,iEAAiE;IACjE,MAAM,EAAE,MAAM,CAAC;IACf,QAAQ,EAAE,MAAM,CAAC;IACjB,2CAA2C;IAC3C,KAAK,EAAE,MAAM,CAAC;IACd,QAAQ,EAAE,MAAM,CAAC;IACjB,QAAQ,EAAE,MAAM,CAAC;IACjB,yFAAyF;IACzF,aAAa,EAAE,MAAM,CAAC;IACtB,8CAA8C;IAC9C,OAAO,EAAE,MAAM,CAAC;IAChB,mFAAmF;IACnF,WAAW,EAAE,MAAM,CAAC;IACpB,oEAAoE;IACpE,UAAU,EAAE,MAAM,CAAC;IACnB;;;;;OAKG;IACH,cAAc,EAAE,MAAM,GAAG,MAAM,GAAG,YAAY,GAAG,UAAU,GAAG,UAAU,GAAG,UAAU,CAAC;IACtF,8EAA8E;IAC9E,aAAa,EAAE,MAAM,GAAG,IAAI,CAAC;IAC7B;;;;OAIG;IACH,eAAe,EAAE,MAAM,GAAG,IAAI,CAAC;IAC/B;;;OAGG;IACH,sBAAsB,EAAE,MAAM,CAAC;CAChC;AAKD,oFAAoF;AACpF,wBAAgB,uBAAuB,CAAC,YAAY,EAAE,MAAM,GAAG,MAAM,CAMpE;AAED,wFAAwF;AACxF,wBAAgB,gBAAgB,CAAC,KAAK,EAAE,OAAO,GAAG,WAAW,CAiD5D"}

package/dist/quote.js

@@ -15,6 +15,7 @@ export function parseClientQuote(value) {
     }
     const v = value;
     const confirmations = v["confirmations"];
+    const amountCredited = v["amount_credited"];
     if (typeof v["id"] !== "string" ||
         v["object"] !== "quote" ||
         typeof v["livemode"] !== "boolean" ||
@@ -31,7 +32,9 @@ export function parseClientQuote(value) {
         typeof v["payment_uri"] !== "string" ||
         !isSafeInteger(v["expires_at"]) ||
         !oneOf(v["payment_status"], PAYMENT_STATUSES) ||
-        !(confirmations === null || isSafeInteger(confirmations))) {
+        !(confirmations === null || isSafeInteger(confirmations)) ||
+        !(amountCredited === null || isSafeInteger(amountCredited)) ||
+        !isSafeInteger(v["typical_credit_seconds"])) {
         throw new TypeError("quote response does not match the public quote view");
     }
     return {
@@ -50,6 +53,8 @@ export function parseClientQuote(value) {
         expires_at: v["expires_at"],
         payment_status: v["payment_status"],
         confirmations,
+        amount_credited: amountCredited,
+        typical_credit_seconds: v["typical_credit_seconds"],
     };
 }
 function oneOf(value, allowed) {

package/dist/quote.js.map

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+{"version":3,"file":"quote.js","sourceRoot":"","sources":["../src/quote.ts"],"names":[],"mappings":"AA+CA,MAAM,cAAc,GAAG,CAAC,MAAM,EAAE,UAAU,EAAE,SAAS,EAAE,UAAU,CAAU,CAAC;AAC5E,MAAM,gBAAgB,GAAG,CAAC,MAAM,EAAE,MAAM,EAAE,YAAY,EAAE,UAAU,EAAE,UAAU,EAAE,UAAU,CAAU,CAAC;AAErG,oFAAoF;AACpF,MAAM,UAAU,uBAAuB,CAAC,YAAoB;IAC1D,MAAM,KAAK,GAAG,mCAAmC,CAAC,IAAI,CAAC,YAAY,CAAC,CAAC;IACrE,IAAI,KAAK,EAAE,CAAC,CAAC,CAAC,KAAK,SAAS,EAAE,CAAC;QAC7B,MAAM,IAAI,SAAS,CAAC,2CAA2C,CAAC,CAAC;IACnE,CAAC;IACD,OAAO,KAAK,CAAC,CAAC,CAAC,CAAC;AAClB,CAAC;AAED,wFAAwF;AACxF,MAAM,UAAU,gBAAgB,CAAC,KAAc;IAC7C,IAAI,OAAO,KAAK,KAAK,QAAQ,IAAI,KAAK,KAAK,IAAI,EAAE,CAAC;QAChD,MAAM,IAAI,SAAS,CAAC,iCAAiC,CAAC,CAAC;IACzD,CAAC;IACD,MAAM,CAAC,GAAG,KAAgC,CAAC;IAC3C,MAAM,aAAa,GAAG,CAAC,CAAC,eAAe,CAAC,CAAC;IACzC,MAAM,cAAc,GAAG,CAAC,CAAC,iBAAiB,CAAC,CAAC;IAC5C,IACE,OAAO,CAAC,CAAC,IAAI,CAAC,KAAK,QAAQ;QAC3B,CAAC,CAAC,QAAQ,CAAC,KAAK,OAAO;QACvB,OAAO,CAAC,CAAC,UAAU,CAAC,KAAK,SAAS;QAClC,CAAC,KAAK,CAAC,CAAC,CAAC,QAAQ,CAAC,EAAE,cAAc,CAAC;QACnC,CAAC,aAAa,CAAC,CAAC,CAAC,QAAQ,CAAC,CAAC;QAC3B,OAAO,CAAC,CAAC,UAAU,CAAC,KAAK,QAAQ;QACjC,OAAO,CAAC,CAAC,OAAO,CAAC,KAAK,QAAQ;QAC9B,CAAC,aAAa,CAAC,CAAC,CAAC,UAAU,CAAC,CAAC;QAC7B,CAAC,aAAa,CAAC,CAAC,CAAC,UAAU,CAAC,CAAC;QAC7B,OAAO,CAAC,CAAC,eAAe,CAAC,KAAK,QAAQ;QACtC,CAAC,OAAO,CAAC,IAAI,CAAC,CAAC,CAAC,eAAe,CAAC,CAAC;QACjC,OAAO,CAAC,CAAC,SAAS,CAAC,KAAK,QAAQ;QAChC,CAAC,qBAAqB,CAAC,IAAI,CAAC,CAAC,CAAC,SAAS,CAAC,CAAC;QACzC,OAAO,CAAC,CAAC,aAAa,CAAC,KAAK,QAAQ;QACpC,CAAC,aAAa,CAAC,CAAC,CAAC,YAAY,CAAC,CAAC;QAC/B,CAAC,KAAK,CAAC,CAAC,CAAC,gBAAgB,CAAC,EAAE,gBAAgB,CAAC;QAC7C,CAAC,CAAC,aAAa,KAAK,IAAI,IAAI,aAAa,CAAC,aAAa,CAAC,CAAC;QACzD,CAAC,CAAC,cAAc,KAAK,IAAI,IAAI,aAAa,CAAC,cAAc,CAAC,CAAC;QAC3D,CAAC,aAAa,CAAC,CAAC,CAAC,wBAAwB,CAAC,CAAC,EAC3C,CAAC;QACD,MAAM,IAAI,SAAS,CAAC,qDAAqD,CAAC,CAAC;IAC7E,CAAC;IACD,OAAO;QACL,EAAE,EAAE,CAAC,CAAC,IAAI,CAAC;QACX,MAAM,EAAE,OAAO;QACf,QAAQ,EAAE,CAAC,CAAC,UAAU,CAAC;QACvB,MAAM,EAAE,CAAC,CAAC,QAAQ,CAAC;QACnB,MAAM,EAAE,CAAC,CAAC,QAAQ,CAAC;QACnB,QAAQ,EAAE,CAAC,CAAC,UAAU,CAAC;QACvB,KAAK,EAAE,CAAC,CAAC,OAAO,CAAC;QACjB,QAAQ,EAAE,CAAC,CAAC,UAAU,CAAC;QACvB,QAAQ,EAAE,CAAC,CAAC,UAAU,CAAC;QACvB,aAAa,EAAE,CAAC,CAAC,eAAe,CAAC;QACjC,OAAO,EAAE,CAAC,CAAC,SAAS,CAAC;QACrB,WAAW,EAAE,CAAC,CAAC,aAAa,CAAC;QAC7B,UAAU,EAAE,CAAC,CAAC,YAAY,CAAC;QAC3B,cAAc,EAAE,CAAC,CAAC,gBAAgB,CAAC;QACnC,aAAa;QACb,eAAe,EAAE,cAAc;QAC/B,sBAAsB,EAAE,CAAC,CAAC,wBAAwB,CAAC;KACpD,CAAC;AACJ,CAAC;AAED,SAAS,KAAK,CAAmB,KAAc,EAAE,OAAqB;IACpE,OAAO,OAAO,KAAK,KAAK,QAAQ,IAAK,OAA6B,CAAC,QAAQ,CAAC,KAAK,CAAC,CAAC;AACrF,CAAC;AAED,SAAS,aAAa,CAAC,KAAc;IACnC,OAAO,MAAM,CAAC,aAAa,CAAC,KAAK,CAAC,CAAC;AACrC,CAAC"}

package/dist/react/Checkout.d.ts

@@ -1,6 +1,7 @@
 import type { WalletClient } from "viem";
 import type { CheckoutState } from "../checkout.js";
 import type { ClientQuote } from "../quote.js";
+import { WalletError, type EthereumProvider } from "../wallet.js";
 import { type Appearance } from "./appearance.js";
 export interface CheckoutProps {
     /** The quote's `client_secret`, from your backend's `POST /v1/quotes`. */
@@ -13,13 +14,20 @@ export interface CheckoutProps {
     expectedAddress: string;
     /** The service origin, for example `https://topup.example.com`. */
     apiBase: string;
-    /** Called once when the payment is credited. Fulfil from the `deposit.credited` webhook, not here. */
+    /** Called once when the payment is credited, with the quote: its `amount_credited` is what was
+     * credited, which differs from `amount` for a payment of another amount or a late one. Fulfil
+     * from the `deposit.credited` webhook, not here. */
     onSuccess?: (quote: ClientQuote) => void;
     /** Called once when the quote expires or is canceled without a payment. */
     onExpire?: (quote: ClientQuote) => void;
     /** Called whenever the checkout's status changes, like Stripe Elements' `onChange`: for example,
      * to hide your own "new payment" control while a payment is `seen` or `confirming`. */
     onChange?: (state: CheckoutState) => void;
+    /** Called when the wallet tab could not send the payment, with the `WalletError` and the wallet
+     * it tried (the chosen browser wallet's provider, or `walletClient`): for example on
+     * `insufficient_balance` (nothing was sent), to offer your own way to fund that wallet. The
+     * checkout shows the error's message itself. */
+    onWalletError?: (error: WalletError, wallet: WalletClient | EthereumProvider) => void;
     appearance?: Appearance;
     /** Milliseconds between status reads; default 3000. */
     pollInterval?: number;
@@ -31,5 +39,5 @@ export interface CheckoutProps {
     walletClient?: WalletClient | undefined;
 }
 /** A checkout for one quote: pay from a browser wallet, by QR code, or manually, with live status. */
-export declare function Checkout({ clientSecret, expectedAddress, apiBase, onSuccess, onExpire, onChange, appearance, pollInterval, className, buttonText, walletClient, }: CheckoutProps): import("react").JSX.Element;
+export declare function Checkout({ clientSecret, expectedAddress, apiBase, onSuccess, onExpire, onChange, onWalletError, appearance, pollInterval, className, buttonText, walletClient, }: CheckoutProps): import("react").JSX.Element;
 //# sourceMappingURL=Checkout.d.ts.map

package/dist/react/Checkout.d.ts.map

@@ -1 +1 @@
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+{"version":3,"file":"Checkout.d.ts","sourceRoot":"","sources":["../../src/react/Checkout.tsx"],"names":[],"mappings":"AAGA,OAAO,KAAK,EAAQ,YAAY,EAAE,MAAM,MAAM,CAAC;AAC/C,OAAO,KAAK,EAAqB,aAAa,EAAkB,MAAM,gBAAgB,CAAC;AAWvF,OAAO,KAAK,EAAE,WAAW,EAAE,MAAM,aAAa,CAAC;AAC/C,OAAO,EACL,WAAW,EAGX,KAAK,gBAAgB,EAEtB,MAAM,cAAc,CAAC;AACtB,OAAO,EAA2B,KAAK,UAAU,EAAE,MAAM,iBAAiB,CAAC;AAK3E,MAAM,WAAW,aAAa;IAC5B,0EAA0E;IAC1E,YAAY,EAAE,MAAM,CAAC;IACrB;;;;OAIG;IACH,eAAe,EAAE,MAAM,CAAC;IACxB,mEAAmE;IACnE,OAAO,EAAE,MAAM,CAAC;IAChB;;wDAEoD;IACpD,SAAS,CAAC,EAAE,CAAC,KAAK,EAAE,WAAW,KAAK,IAAI,CAAC;IACzC,2EAA2E;IAC3E,QAAQ,CAAC,EAAE,CAAC,KAAK,EAAE,WAAW,KAAK,IAAI,CAAC;IACxC;2FACuF;IACvF,QAAQ,CAAC,EAAE,CAAC,KAAK,EAAE,aAAa,KAAK,IAAI,CAAC;IAC1C;;;oDAGgD;IAChD,aAAa,CAAC,EAAE,CAAC,KAAK,EAAE,WAAW,EAAE,MAAM,EAAE,YAAY,GAAG,gBAAgB,KAAK,IAAI,CAAC;IACtF,UAAU,CAAC,EAAE,UAAU,CAAC;IACxB,uDAAuD;IACvD,YAAY,CAAC,EAAE,MAAM,CAAC;IACtB,SAAS,CAAC,EAAE,MAAM,CAAC;IACnB,4DAA4D;IAC5D,UAAU,CAAC,EAAE,MAAM,CAAC;IACpB;2FACuF;IACvF,YAAY,CAAC,EAAE,YAAY,GAAG,SAAS,CAAC;CACzC;AAUD,sGAAsG;AACtG,wBAAgB,QAAQ,CAAC,EACvB,YAAY,EACZ,eAAe,EACf,OAAO,EACP,SAAS,EACT,QAAQ,EACR,QAAQ,EACR,aAAa,EACb,UAAU,EACV,YAAY,EACZ,SAAS,EACT,UAA8B,EAC9B,YAAY,GACb,EAAE,aAAa,+BAqEf"}

package/dist/react/Checkout.js

@@ -2,7 +2,7 @@
 import { jsx as _jsx, jsxs as _jsxs, Fragment as _Fragment } from "react/jsx-runtime";
 import { useEffect, useId, useRef, useState } from "react";
 import { networkName, transactionUrl } from "../chains.js";
-import { formatAmount, formatCountdown, formatTokenAmount, tokenAmount } from "../format.js";
+import { formatAmount, formatCountdown, formatMinorAmount, formatTokenAmount, formatWait, tokenAmount, } from "../format.js";
 import { quoteTransfer } from "../payment.js";
 import { WalletError, payWithWallet, watchWallets, } from "../wallet.js";
 import { STYLES, appearanceStyle } from "./appearance.js";
@@ -15,7 +15,7 @@ const METHODS = [
     { id: "manual", label: "Send manually" },
 ];
 /** A checkout for one quote: pay from a browser wallet, by QR code, or manually, with live status. */
-export function Checkout({ clientSecret, expectedAddress, apiBase, onSuccess, onExpire, onChange, appearance, pollInterval, className, buttonText = "Pay with crypto", walletClient, }) {
+export function Checkout({ clientSecret, expectedAddress, apiBase, onSuccess, onExpire, onChange, onWalletError, appearance, pollInterval, className, buttonText = "Pay with crypto", walletClient, }) {
     const { status, quote, error, refresh } = useCheckout({
         clientSecret,
         expectedAddress,
@@ -51,7 +51,7 @@ export function Checkout({ clientSecret, expectedAddress, apiBase, onSuccess, on
     return (_jsxs("div", { className: className === undefined ? "pp-root" : `pp-root ${className}`, "data-theme": appearance?.theme ?? "light", style: appearanceStyle(appearance), children: [_jsx("style", { children: STYLES }), quote !== null && (_jsxs(_Fragment, { children: [_jsxs("p", { className: "pp-amount", children: [formatTokenAmount(quote), " ", quote.asset.toUpperCase()] }), _jsxs("p", { className: "pp-subtitle", children: [formatAmount(quote), " top-up \u00B7 ", networkName(quote.chain_id), !quote.livemode && _jsx("span", { className: "pp-badge", children: " \u00B7 Test mode" })] })] })), _jsx(StatusLine, { status: status, quote: quote, now: now, error: error }), txHash !== null && quote !== null && _jsx(Transaction, { hash: txHash, chainId: quote.chain_id }), status === "waiting" && quote !== null && (_jsx(PaymentOptions, { quote: quote, buttonText: buttonText, walletClient: walletClient, now: now, onSent: (hash) => {
                     setTxHash(hash);
                     refresh();
-                } }))] }));
+                }, onWalletError: onWalletError }))] }));
 }
 function StatusLine({ status, quote, now, error, }) {
     const tone = status === "credited"
@@ -68,13 +68,11 @@ function statusMessage(status, quote, code) {
         case "waiting":
             return "Waiting for your payment";
         case "seen":
-            return quote?.confirmations == null
-                ? "Payment received, crediting in about 30 seconds"
-                : `Payment received, ${quote.confirmations} confirmation${quote.confirmations === 1 ? "" : "s"}. Crediting in about 30 seconds`;
+            return seenMessage(quote);
         case "confirming":
             return "Payment confirmed on chain, crediting…";
         case "credited":
-            return quote === null ? "Payment credited" : `Payment credited: ${formatAmount(quote)}`;
+            return creditedMessage(quote);
         case "rejected":
             return "This payment cannot be credited. Contact support with your transaction.";
         case "reversed":
@@ -89,11 +87,34 @@ function statusMessage(status, quote, code) {
                 : "This payment link is not valid. Start a new top-up.";
     }
 }
+function seenMessage(quote) {
+    if (quote === null) {
+        return "Payment received, crediting once it is confirmed";
+    }
+    const wait = formatWait(quote.typical_credit_seconds);
+    return quote.confirmations === null
+        ? `Payment received, crediting in ${wait}`
+        : `Payment received, ${quote.confirmations} confirmation${quote.confirmations === 1 ? "" : "s"}. Crediting in ${wait}`;
+}
+/** What was credited and, when the payment was valued at the market price, the quote it missed. */
+function creditedMessage(quote) {
+    if (quote?.amount_credited == null) {
+        return "Payment credited";
+    }
+    const credited = formatMinorAmount(quote, quote.amount_credited);
+    if (quote.amount_credited < quote.amount) {
+        return `Payment credited: ${credited} of ${formatAmount(quote)}`;
+    }
+    if (quote.amount_credited > quote.amount) {
+        return `Payment credited: ${credited}, more than the ${formatAmount(quote)} quoted`;
+    }
+    return `Payment credited: ${credited}`;
+}
 function Transaction({ hash, chainId }) {
     const url = transactionUrl(chainId, hash);
     return (_jsxs("p", { className: "pp-tx", children: ["Transaction sent:", " ", url === undefined ? (_jsx("span", { className: "pp-value", children: hash })) : (_jsx("a", { className: "pp-value", href: url, target: "_blank", rel: "noreferrer", children: hash }))] }));
 }
-function PaymentOptions({ quote, now, buttonText, walletClient, onSent, }) {
+function PaymentOptions({ quote, now, buttonText, walletClient, onSent, onWalletError, }) {
     const [method, setMethod] = useState("wallet");
     const id = useId();
     const tabs = useRef([]);
@@ -118,9 +139,9 @@ function PaymentOptions({ quote, now, buttonText, walletClient, onSent, }) {
     };
     return (_jsxs(_Fragment, { children: [_jsxs("p", { className: "pp-notice", children: ["Send ", _jsxs("strong", { children: ["exactly ", amount] }), " on ", networkName(quote.chain_id), " in one transfer before the timer ends. A different amount, or a payment after expiry, is credited at the market price instead of this quote. Exchanges may deduct a withdrawal fee, so the amount that arrives must be exact."] }), _jsx("div", { className: "pp-tabs", role: "tablist", "aria-label": "Payment method", onKeyDown: onKeyDown, children: METHODS.map((m, index) => (_jsx("button", { ref: (element) => {
                         tabs.current[index] = element;
-                    }, type: "button", role: "tab", className: "pp-tab", id: `${id}-tab-${m.id}`, "aria-selected": method === m.id, "aria-controls": `${id}-panel-${m.id}`, tabIndex: method === m.id ? 0 : -1, onClick: () => setMethod(m.id), children: m.label }, m.id))) }), _jsxs("div", { role: "tabpanel", id: `${id}-panel-${method}`, "aria-labelledby": `${id}-tab-${method}`, tabIndex: 0, children: [method === "wallet" && (_jsx(WalletPanel, { quote: quote, buttonText: buttonText, walletClient: walletClient, onSent: onSent })), method === "qr" && (_jsxs("div", { className: "pp-qr-panel", children: [_jsx(QrCode, { value: quote.payment_uri, label: `Payment request for ${amount}` }), _jsxs("p", { className: "pp-message", children: ["Scan with a wallet app that reads payment links, and check that it shows ", amount, " on", " ", networkName(quote.chain_id), " before you confirm."] })] })), method === "manual" && _jsx(ManualPanel, { quote: quote, now: now })] })] }));
+                    }, type: "button", role: "tab", className: "pp-tab", id: `${id}-tab-${m.id}`, "aria-selected": method === m.id, "aria-controls": `${id}-panel-${m.id}`, tabIndex: method === m.id ? 0 : -1, onClick: () => setMethod(m.id), children: m.label }, m.id))) }), _jsxs("div", { role: "tabpanel", id: `${id}-panel-${method}`, "aria-labelledby": `${id}-tab-${method}`, tabIndex: 0, children: [method === "wallet" && (_jsx(WalletPanel, { quote: quote, buttonText: buttonText, walletClient: walletClient, onSent: onSent, onWalletError: onWalletError })), method === "qr" && (_jsxs("div", { className: "pp-qr-panel", children: [_jsx(QrCode, { value: quote.payment_uri, label: `Payment request for ${amount}` }), _jsxs("p", { className: "pp-message", children: ["Scan with a wallet app that reads payment links, and check that it shows ", amount, " on", " ", networkName(quote.chain_id), " before you confirm."] })] })), method === "manual" && _jsx(ManualPanel, { quote: quote, now: now })] })] }));
 }
-function WalletPanel({ quote, buttonText, walletClient, onSent, }) {
+function WalletPanel({ quote, buttonText, walletClient, onSent, onWalletError, }) {
     const [discovered, setDiscovered] = useState([]);
     const [step, setStep] = useState({ kind: "idle" });
     useEffect(() => (walletClient === undefined ? watchWallets(setDiscovered) : undefined), [walletClient]);
@@ -138,6 +159,9 @@ function WalletPanel({ quote, buttonText, walletClient, onSent, }) {
                 kind: "failed",
                 message: error instanceof WalletError ? error.message : "The payment could not be sent",
             });
+            if (error instanceof WalletError) {
+                onWalletError?.(error, wallet);
+            }
         }
     };
     if (wallets.length === 0) {

package/dist/react/Checkout.js.map

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package/dist/wallet.d.ts

@@ -27,7 +27,7 @@ export declare const INJECTED_WALLET_UUID = "injected";
  * itself. Returns the function that stops listening.
  */
 export declare function watchWallets(onChange: (wallets: Wallet[]) => void): () => void;
-export type WalletErrorCode = "rejected" | "no_account" | "wrong_chain" | "failed";
+export type WalletErrorCode = "rejected" | "no_account" | "wrong_chain" | "insufficient_balance" | "failed";
 export declare class WalletError extends Error {
     readonly code: WalletErrorCode;
     readonly name = "WalletError";
@@ -37,8 +37,10 @@ export declare class WalletError extends Error {
  * Pays a quote from a wallet: a viem `WalletClient` (for example wagmi's `useWalletClient()`), or an
  * EIP-1193 provider such as a discovered `Wallet`'s. Connects (unless the client already has an
  * account), switches to (or adds) the quote's chain, and sends the ERC-20 `transfer` that the quote's
- * `payment_uri` states. Resolves with the transaction hash once the wallet has broadcast it; the
- * checkout's status follows the payment from there.
+ * `payment_uri` states. Before sending, it reads the account's token balance and, when it is below
+ * the quote's amount, sends nothing and throws `WalletError` `insufficient_balance`: the transfer
+ * would revert and still cost gas. Resolves with the transaction hash once the wallet has broadcast
+ * it; the checkout's status follows the payment from there.
  */
 export declare function payWithWallet(wallet: WalletClient | EthereumProvider, quote: ClientQuote): Promise<Hash>;
 //# sourceMappingURL=wallet.d.ts.map

package/dist/wallet.d.ts.map

@@ -1 +1 @@
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+{"version":3,"file":"wallet.d.ts","sourceRoot":"","sources":["../src/wallet.ts"],"names":[],"mappings":"AACA,OAAO,EAQL,KAAK,IAAI,EACT,KAAK,YAAY,EAClB,MAAM,MAAM,CAAC;AAKd,OAAO,KAAK,EAAE,WAAW,EAAE,MAAM,YAAY,CAAC;AAE9C,8BAA8B;AAC9B,MAAM,WAAW,UAAU;IACzB,IAAI,EAAE,MAAM,CAAC;IACb,IAAI,EAAE,MAAM,CAAC;IACb,kBAAkB;IAClB,IAAI,EAAE,MAAM,CAAC;IACb,IAAI,EAAE,MAAM,CAAC;CACd;AAED,2FAA2F;AAC3F,MAAM,WAAW,gBAAgB;IAC/B,OAAO,CAAC,IAAI,EAAE;QAAE,MAAM,EAAE,MAAM,CAAC;QAAC,MAAM,CAAC,EAAE,OAAO,CAAA;KAAE,GAAG,OAAO,CAAC,OAAO,CAAC,CAAC;CACvE;AAED,MAAM,WAAW,MAAM;IACrB,IAAI,EAAE,UAAU,CAAC;IACjB,QAAQ,EAAE,gBAAgB,CAAC;CAC5B;AAED,iGAAiG;AACjG,eAAO,MAAM,oBAAoB,aAAa,CAAC;AAE/C;;;;GAIG;AACH,wBAAgB,YAAY,CAAC,QAAQ,EAAE,CAAC,OAAO,EAAE,MAAM,EAAE,KAAK,IAAI,GAAG,MAAM,IAAI,CAa9E;AA8BD,MAAM,MAAM,eAAe,GACvB,UAAU,GACV,YAAY,GACZ,aAAa,GACb,sBAAsB,GACtB,QAAQ,CAAC;AAEb,qBAAa,WAAY,SAAQ,KAAK;IAIlC,QAAQ,CAAC,IAAI,EAAE,eAAe;IAHhC,SAAkB,IAAI,iBAAiB;gBAG5B,IAAI,EAAE,eAAe,EAC9B,OAAO,EAAE,MAAM,EACf,OAAO,CAAC,EAAE,YAAY;CAIzB;AAED;;;;;;;;GAQG;AACH,wBAAsB,aAAa,CACjC,MAAM,EAAE,YAAY,GAAG,gBAAgB,EACvC,KAAK,EAAE,WAAW,GACjB,OAAO,CAAC,IAAI,CAAC,CAoCf"}

package/dist/wallet.js

@@ -1,6 +1,8 @@
 import { createStore } from "mipd";
 import { BaseError, createWalletClient, custom, erc20Abi, SwitchChainError, UserRejectedRequestError, } from "viem";
+import { readContract } from "viem/actions";
 import { knownChain, networkName } from "./chains.js";
+import { formatTokenAmount, formatUnitsGrouped } from "./format.js";
 import { quoteTransfer } from "./payment.js";
 /** The legacy `window.ethereum` provider, offered when no wallet announces itself (EIP-6963). */
 export const INJECTED_WALLET_UUID = "injected";
@@ -59,8 +61,10 @@ export class WalletError extends Error {
  * Pays a quote from a wallet: a viem `WalletClient` (for example wagmi's `useWalletClient()`), or an
  * EIP-1193 provider such as a discovered `Wallet`'s. Connects (unless the client already has an
  * account), switches to (or adds) the quote's chain, and sends the ERC-20 `transfer` that the quote's
- * `payment_uri` states. Resolves with the transaction hash once the wallet has broadcast it; the
- * checkout's status follows the payment from there.
+ * `payment_uri` states. Before sending, it reads the account's token balance and, when it is below
+ * the quote's amount, sends nothing and throws `WalletError` `insufficient_balance`: the transfer
+ * would revert and still cost gas. Resolves with the transaction hash once the wallet has broadcast
+ * it; the checkout's status follows the payment from there.
  */
 export async function payWithWallet(wallet, quote) {
     const transfer = quoteTransfer(quote);
@@ -71,6 +75,13 @@ export async function payWithWallet(wallet, quote) {
             throw new WalletError("no_account", "The wallet shared no account");
         }
         await ensureChain(client, transfer.chainId);
+        const address = typeof account === "string" ? account : account.address;
+        const balance = await tokenBalance(client, transfer.token, address);
+        if (balance !== undefined && balance < transfer.amount) {
+            const symbol = quote.asset.toUpperCase();
+            throw new WalletError("insufficient_balance", `Your wallet holds ${formatUnitsGrouped(balance, quote.decimals)} ${symbol}, less than the ` +
+                `${formatTokenAmount(quote)} ${symbol} to pay. Nothing was sent.`);
+        }
         return await client.writeContract({
             account,
             chain: knownChain(transfer.chainId) ?? null,
@@ -90,6 +101,19 @@ export async function payWithWallet(wallet, quote) {
         throw new WalletError("failed", "The wallet could not send the payment", { cause: error });
     }
 }
+/**
+ * The account's balance of `token`, read through the wallet on its current chain; `undefined` when
+ * the wallet cannot read it. The check only spares the payer a reverting transfer, so a wallet that
+ * does not serve `eth_call` still pays.
+ */
+async function tokenBalance(wallet, token, owner) {
+    try {
+        return await readContract(wallet, { address: token, abi: erc20Abi, functionName: "balanceOf", args: [owner] });
+    }
+    catch {
+        return undefined;
+    }
+}
 function isWalletClient(wallet) {
     return "writeContract" in wallet;
 }

package/dist/wallet.js.map

@@ -1 +1 @@
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package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@phala/pay",
-  "version": "0.3.0",
+  "version": "0.4.0",
   "description": "Phala Pay checkout: a framework-agnostic client and React bindings",
   "keywords": [
     "crypto",

package/src/checkout.ts

@@ -7,8 +7,8 @@ import { parseClientQuote, quoteIdFromClientSecret, type ClientQuote } from "./q
  * - `waiting` for a payment, until `expires_at`;
  * - `seen` once a transfer is in a block, `confirming` once it reaches the route's confirmation
  *   (two blocks on Ethereum) and is being valued;
- * - `credited` (about 30 seconds after paying), or `rejected` for a payment that will not be
- *   credited;
+ * - `credited` (typically the quote's `typical_credit_seconds` after paying), or `rejected` for a
+ *   payment that will not be credited;
  * - `reversed` when a credited payment's transaction left the chain before finality;
  * - `expired` or `canceled` without a payment;
  * - `error` when the client secret is not valid, or the quote's address is not the one your

package/src/format.ts

@@ -6,7 +6,12 @@ import type { ClientQuote } from "./quote.js";
  * `1,273.9185`. Every digit is kept: the service rounds a quote to a few decimals.
  */
 export function formatTokenAmount(quote: ClientQuote, locale?: string): string {
-  const [whole = "0", fraction] = tokenAmount(quote).split(".");
+  return formatUnitsGrouped(BigInt(quote.amount_atomic), quote.decimals, locale);
+}
+
+/** An atomic token amount, grouped for `locale` and without trailing zeros, as `formatTokenAmount`. */
+export function formatUnitsGrouped(atomic: bigint, decimals: number, locale?: string): string {
+  const [whole = "0", fraction] = formatUnits(atomic, decimals).split(".");
   const format = new Intl.NumberFormat(locale);
   const grouped = format.format(BigInt(whole));
   if (fraction === undefined) {
@@ -23,10 +28,23 @@ export function tokenAmount(quote: ClientQuote): string {
 
 /** The credit in the quote's currency, for example `$25.00`. */
 export function formatAmount(quote: ClientQuote, locale?: string): string {
+  return formatMinorAmount(quote, quote.amount, locale);
+}
+
+/** `minor` units of the quote's currency, for example `$10.00` for 1000. */
+export function formatMinorAmount(quote: ClientQuote, minor: number, locale?: string): string {
   return new Intl.NumberFormat(locale, {
     style: "currency",
     currency: quote.currency.toUpperCase(),
-  }).format(quote.amount / 100);
+  }).format(minor / 100);
+}
+
+/** A typical wait, for example `about 30 seconds` or `about 15 minutes`. */
+export function formatWait(seconds: number): string {
+  if (seconds < 90) {
+    return `about ${seconds} second${seconds === 1 ? "" : "s"}`;
+  }
+  return `about ${Math.round(seconds / 60)} minutes`;
 }
 
 /** `mm:ss` (or `h:mm:ss`) until `expiresAt` Unix seconds, never negative. */

package/src/quote.ts

@@ -8,7 +8,7 @@ export interface ClientQuote {
   livemode: boolean;
   /** `open` until a matching payment completes it, it expires by chain time, or it is canceled. */
   status: "open" | "complete" | "expired" | "canceled";
-  /** Credit in the currency's minor unit (US cents). */
+  /** The quoted credit in the currency's minor unit (US cents). */
   amount: number;
   currency: string;
   /** The token's code, for example `pha`. */
@@ -25,13 +25,24 @@ export interface ClientQuote {
   expires_at: number;
   /**
    * `seen` once in a block (a reorg can remove it), `confirming` while a payment at the route's
-   * confirmation is valued and screened, `credited` once it is credited (about 30 seconds after
-   * paying), `rejected` when it will not be, `reversed` when a credited payment's transaction
-   * left the chain before finality (the payment did not happen).
+   * confirmation is valued and screened, `credited` once it is credited (typically
+   * `typical_credit_seconds` after paying), `rejected` when it will not be, `reversed` when a
+   * credited payment's transaction left the chain before finality (the payment did not happen).
    */
   payment_status: "none" | "seen" | "confirming" | "credited" | "rejected" | "reversed";
   /** Block confirmations while `payment_status` is `seen`, otherwise `null`. */
   confirmations: number | null;
+  /**
+   * While `payment_status` is `credited`: what was credited, in the currency's minor unit. It
+   * differs from `amount` for a payment valued at the market price (another amount, or paid late);
+   * otherwise `null`.
+   */
+  amount_credited: number | null;
+  /**
+   * Typical seconds from paying to the credit at the confirmation this quote's payments need:
+   * 30 on Ethereum (two blocks), about 300 at an OP-stack chain's `safe` block, 900 at finality.
+   */
+  typical_credit_seconds: number;
 }
 
 const QUOTE_STATUSES = ["open", "complete", "expired", "canceled"] as const;
@@ -53,6 +64,7 @@ export function parseClientQuote(value: unknown): ClientQuote {
   }
   const v = value as Record<string, unknown>;
   const confirmations = v["confirmations"];
+  const amountCredited = v["amount_credited"];
   if (
     typeof v["id"] !== "string" ||
     v["object"] !== "quote" ||
@@ -70,7 +82,9 @@ export function parseClientQuote(value: unknown): ClientQuote {
     typeof v["payment_uri"] !== "string" ||
     !isSafeInteger(v["expires_at"]) ||
     !oneOf(v["payment_status"], PAYMENT_STATUSES) ||
-    !(confirmations === null || isSafeInteger(confirmations))
+    !(confirmations === null || isSafeInteger(confirmations)) ||
+    !(amountCredited === null || isSafeInteger(amountCredited)) ||
+    !isSafeInteger(v["typical_credit_seconds"])
   ) {
     throw new TypeError("quote response does not match the public quote view");
   }
@@ -90,6 +104,8 @@ export function parseClientQuote(value: unknown): ClientQuote {
     expires_at: v["expires_at"],
     payment_status: v["payment_status"],
     confirmations,
+    amount_credited: amountCredited,
+    typical_credit_seconds: v["typical_credit_seconds"],
   };
 }
 

package/src/react/Checkout.tsx

@@ -4,7 +4,14 @@ import { useEffect, useId, useRef, useState, type KeyboardEvent } from "react";
 import type { Hash, WalletClient } from "viem";
 import type { CheckoutErrorCode, CheckoutState, CheckoutStatus } from "../checkout.js";
 import { networkName, transactionUrl } from "../chains.js";
-import { formatAmount, formatCountdown, formatTokenAmount, tokenAmount } from "../format.js";
+import {
+  formatAmount,
+  formatCountdown,
+  formatMinorAmount,
+  formatTokenAmount,
+  formatWait,
+  tokenAmount,
+} from "../format.js";
 import { quoteTransfer } from "../payment.js";
 import type { ClientQuote } from "../quote.js";
 import {
@@ -30,13 +37,20 @@ export interface CheckoutProps {
   expectedAddress: string;
   /** The service origin, for example `https://topup.example.com`. */
   apiBase: string;
-  /** Called once when the payment is credited. Fulfil from the `deposit.credited` webhook, not here. */
+  /** Called once when the payment is credited, with the quote: its `amount_credited` is what was
+   * credited, which differs from `amount` for a payment of another amount or a late one. Fulfil
+   * from the `deposit.credited` webhook, not here. */
   onSuccess?: (quote: ClientQuote) => void;
   /** Called once when the quote expires or is canceled without a payment. */
   onExpire?: (quote: ClientQuote) => void;
   /** Called whenever the checkout's status changes, like Stripe Elements' `onChange`: for example,
    * to hide your own "new payment" control while a payment is `seen` or `confirming`. */
   onChange?: (state: CheckoutState) => void;
+  /** Called when the wallet tab could not send the payment, with the `WalletError` and the wallet
+   * it tried (the chosen browser wallet's provider, or `walletClient`): for example on
+   * `insufficient_balance` (nothing was sent), to offer your own way to fund that wallet. The
+   * checkout shows the error's message itself. */
+  onWalletError?: (error: WalletError, wallet: WalletClient | EthereumProvider) => void;
   appearance?: Appearance;
   /** Milliseconds between status reads; default 3000. */
   pollInterval?: number;
@@ -64,6 +78,7 @@ export function Checkout({
   onSuccess,
   onExpire,
   onChange,
+  onWalletError,
   appearance,
   pollInterval,
   className,
@@ -133,6 +148,7 @@ export function Checkout({
             setTxHash(hash);
             refresh();
           }}
+          onWalletError={onWalletError}
         />
       )}
     </div>
@@ -182,13 +198,11 @@ function statusMessage(
     case "waiting":
       return "Waiting for your payment";
     case "seen":
-      return quote?.confirmations == null
-        ? "Payment received, crediting in about 30 seconds"
-        : `Payment received, ${quote.confirmations} confirmation${quote.confirmations === 1 ? "" : "s"}. Crediting in about 30 seconds`;
+      return seenMessage(quote);
     case "confirming":
       return "Payment confirmed on chain, crediting…";
     case "credited":
-      return quote === null ? "Payment credited" : `Payment credited: ${formatAmount(quote)}`;
+      return creditedMessage(quote);
     case "rejected":
       return "This payment cannot be credited. Contact support with your transaction.";
     case "reversed":
@@ -204,6 +218,31 @@ function statusMessage(
   }
 }
 
+function seenMessage(quote: ClientQuote | null): string {
+  if (quote === null) {
+    return "Payment received, crediting once it is confirmed";
+  }
+  const wait = formatWait(quote.typical_credit_seconds);
+  return quote.confirmations === null
+    ? `Payment received, crediting in ${wait}`
+    : `Payment received, ${quote.confirmations} confirmation${quote.confirmations === 1 ? "" : "s"}. Crediting in ${wait}`;
+}
+
+/** What was credited and, when the payment was valued at the market price, the quote it missed. */
+function creditedMessage(quote: ClientQuote | null): string {
+  if (quote?.amount_credited == null) {
+    return "Payment credited";
+  }
+  const credited = formatMinorAmount(quote, quote.amount_credited);
+  if (quote.amount_credited < quote.amount) {
+    return `Payment credited: ${credited} of ${formatAmount(quote)}`;
+  }
+  if (quote.amount_credited > quote.amount) {
+    return `Payment credited: ${credited}, more than the ${formatAmount(quote)} quoted`;
+  }
+  return `Payment credited: ${credited}`;
+}
+
 function Transaction({ hash, chainId }: { hash: Hash; chainId: number }) {
   const url = transactionUrl(chainId, hash);
   return (
@@ -226,12 +265,14 @@ function PaymentOptions({
   buttonText,
   walletClient,
   onSent,
+  onWalletError,
 }: {
   quote: ClientQuote;
   now: number;
   buttonText: string;
   walletClient: WalletClient | undefined;
   onSent: (hash: Hash) => void;
+  onWalletError: CheckoutProps["onWalletError"];
 }) {
   const [method, setMethod] = useState<Method>("wallet");
   const id = useId();
@@ -298,6 +339,7 @@ function PaymentOptions({
             buttonText={buttonText}
             walletClient={walletClient}
             onSent={onSent}
+            onWalletError={onWalletError}
           />
         )}
         {method === "qr" && (
@@ -325,11 +367,13 @@ function WalletPanel({
   buttonText,
   walletClient,
   onSent,
+  onWalletError,
 }: {
   quote: ClientQuote;
   buttonText: string;
   walletClient: WalletClient | undefined;
   onSent: (hash: Hash) => void;
+  onWalletError: CheckoutProps["onWalletError"];
 }) {
   const [discovered, setDiscovered] = useState<Wallet[]>([]);
   const [step, setStep] = useState<WalletStep>({ kind: "idle" });
@@ -352,6 +396,9 @@ function WalletPanel({
         kind: "failed",
         message: error instanceof WalletError ? error.message : "The payment could not be sent",
       });
+      if (error instanceof WalletError) {
+        onWalletError?.(error, wallet);
+      }
     }
   };
 

package/src/wallet.ts

@@ -6,10 +6,13 @@ import {
   erc20Abi,
   SwitchChainError,
   UserRejectedRequestError,
+  type Address,
   type Hash,
   type WalletClient,
 } from "viem";
+import { readContract } from "viem/actions";
 import { knownChain, networkName } from "./chains.js";
+import { formatTokenAmount, formatUnitsGrouped } from "./format.js";
 import { quoteTransfer } from "./payment.js";
 import type { ClientQuote } from "./quote.js";
 
@@ -83,7 +86,12 @@ function isProvider(value: unknown): value is EthereumProvider {
   return typeof (value as Partial<EthereumProvider> | null | undefined)?.request === "function";
 }
 
-export type WalletErrorCode = "rejected" | "no_account" | "wrong_chain" | "failed";
+export type WalletErrorCode =
+  | "rejected"
+  | "no_account"
+  | "wrong_chain"
+  | "insufficient_balance"
+  | "failed";
 
 export class WalletError extends Error {
   override readonly name = "WalletError";
@@ -101,8 +109,10 @@ export class WalletError extends Error {
  * Pays a quote from a wallet: a viem `WalletClient` (for example wagmi's `useWalletClient()`), or an
  * EIP-1193 provider such as a discovered `Wallet`'s. Connects (unless the client already has an
  * account), switches to (or adds) the quote's chain, and sends the ERC-20 `transfer` that the quote's
- * `payment_uri` states. Resolves with the transaction hash once the wallet has broadcast it; the
- * checkout's status follows the payment from there.
+ * `payment_uri` states. Before sending, it reads the account's token balance and, when it is below
+ * the quote's amount, sends nothing and throws `WalletError` `insufficient_balance`: the transfer
+ * would revert and still cost gas. Resolves with the transaction hash once the wallet has broadcast
+ * it; the checkout's status follows the payment from there.
  */
 export async function payWithWallet(
   wallet: WalletClient | EthereumProvider,
@@ -116,6 +126,16 @@ export async function payWithWallet(
       throw new WalletError("no_account", "The wallet shared no account");
     }
     await ensureChain(client, transfer.chainId);
+    const address = typeof account === "string" ? account : account.address;
+    const balance = await tokenBalance(client, transfer.token, address);
+    if (balance !== undefined && balance < transfer.amount) {
+      const symbol = quote.asset.toUpperCase();
+      throw new WalletError(
+        "insufficient_balance",
+        `Your wallet holds ${formatUnitsGrouped(balance, quote.decimals)} ${symbol}, less than the ` +
+          `${formatTokenAmount(quote)} ${symbol} to pay. Nothing was sent.`,
+      );
+    }
     return await client.writeContract({
       account,
       chain: knownChain(transfer.chainId) ?? null,
@@ -135,6 +155,19 @@ export async function payWithWallet(
   }
 }
 
+/**
+ * The account's balance of `token`, read through the wallet on its current chain; `undefined` when
+ * the wallet cannot read it. The check only spares the payer a reverting transfer, so a wallet that
+ * does not serve `eth_call` still pays.
+ */
+async function tokenBalance(wallet: WalletClient, token: Address, owner: Address): Promise<bigint | undefined> {
+  try {
+    return await readContract(wallet, { address: token, abi: erc20Abi, functionName: "balanceOf", args: [owner] });
+  } catch {
+    return undefined;
+  }
+}
+
 function isWalletClient(wallet: WalletClient | EthereumProvider): wallet is WalletClient {
   return "writeContract" in wallet;
 }